HORRIBLE INSURANCE. DONT INSURE WITH NAKED INSURANCE. THEY’RE TERRIBLE.

I AM IN TOTAL DISBELIEF BY THE SERVICE IM RECEIVING FROM DUNCAN. I‘be been with Naked insurance for months now and I was referee by a friend. I recently lost my device that is valued at R25999 when I purchased it. I insured the device for that value and was paying a premium according to the value of my device. Yesterday they offered to send me a replacement device off which I didn’t accept and I opted for a voucher. They sent me a voucher of 13k and that is not even close to the value of my lost device and today as it’s the 1st they billed me my monthly premium for the device that is lost. How is that even okay? What apply device am I gonna get for 13k? The ****** device value was R25999, they were suppose to deduct the excess fee, which is 3k and I was suppose to be give a voucher of R22999 but yet they giving me 13k. I am so disappointed and heart broken by this and the fact that Duncan is refusing to fix this mess sickens me. And yet they billed me my monthly premium for a phone that is lost. What a horrible insurance. What a terrible experience.