Nedbank home content

Do Not i repeat do not take Home content insurence with nedbank. 1 they will say they cover electronics at a certain value. They will ask you to total all your electronics so that the monthly premium goes up. You pay that every month diligently as we are afraid of damage to our electronics due to load shedding. So u want peace of mind. And u think you paying for that BUT!!!!!!. So I accidentally dropped my phone and the back glass cracked at Home and I immediately called them just curious about my home content cover because. I do have cellphone cover with vodacom but wanted to know how my home content work. Because if nothing fails will never know what we pay for. So they told me it's not covered because I never specified it on my policy. But it's a electronic and got damaged here at home. But I said fine at least I'm covered with my cellphone policy. As if faith intended for me to experience the hustle of the Home content T&C. My Pc did not turn on. And I called them and explained and they came and got the Pc. They called me in almost 2 weeks coz they sent it for assessment. Then they say we not covering your claim. They say motherboard is not working and if the power supply is working that means it's not electrical surge. So it classified as weare and tare. I went and downloaded their policy. They say they don't cover wear and tare but that never specified how old an item should be. So if I buy something today and tomorrow breaks they will say wear and tare. That's it ? Case closed. Why are we taken advantage of? I beg you guys just don't take it. Rather spend that money buying pizza or burgers or something else. You will replace your electronics as usual. I'm not even sure my car is safe with them now