Worst treatment ever!!!!!

So i went to old mutual. Thinkin i would get the best home content home owner and car insurance. Biggest mistake ever!!!!! They ***** and dont keep to their word. Monday i joined them. And the broker who assisted me assured me i would be covered from date. He even gave me the option of being covered and only payin the following month but a double debit which i was totally fine with. That was the monday. The tuesday a pipe in my wall was leaking and i phoned to hear if im covered for that ofwhich the guy told me no i wasnt. N i told them to add it then. The evening of tht same night a pipe burst. And i phoned them and told them and a plumber came tellin me a whole different story should he find more leaks he would charge more and more. Ofwhich i wasnt aware. I thought excess covered all the leaks. And then my husband calls them stating what had happend then they say someone is going to phone. We were still waiting when my husband phoned them himself. To my disgust they tell him that we are not covered unless we pay our 1st installment. Which was not the info we received upon signing on. So people if you want to go to old mutual for insurance please dont. They are pathetic and shouldnt be in the business