****ty service from Naked insurance

Naked insurance from Hollard is a ****. I insured my phone for R20000 which was what it was valued at the time, and during that time they even increased my premiums! Now years later when claiming they’re saying that the market value of my phone has dropped so they’ll replace it with a R13000 card to purchase at Istore. Note that in don’t pay a premium of an insured product of R13000 I pay a premium for an insured amount of R20000! No assistance from them. And now since I’m unsatisfied I have to follow a lengthy annoying process calling different departments but they were very quick for 3 years to debit their premiums and never missed a single one