Insurance ****

Honestly, I'm having the worst luck lately and unfortunately I'm signed up to this **** of an insurance. So after 2 years of being with them, I claim for my car, they want to charge me an excess of R7500. Because the quote for the damage on my car is less than R5000, guess what? They say that I must sort it out myself! On 30 Dec my phone was ******. So I go back to my insurance. My premium is for a phone worth R17000. Guess what? They want to replace it with what was ******. Then why don't you say this upfront because then I could be paying far less? And I'm not supposed to argue? If I am paying for something with a good hard earned cash, I should get what I want surely... I should have options! Don't sign up with Oakhurst. Worst insurance company ever!