*****ing

I am very shocked, this insurance I have never troubled them, they first raised my insurance premium without consulting me.my car was involved in an accident, it was drivable but i am shocked that it is written off,okay my car is new 2014 model,but their assessor wrote all wrong things about my car, I owe my bank R104k, but they will pay R63k if you join the insurance they don't tell you that if the damages are above 65% of a car value they write it off, that is a *****, another thing they will tell you diff thing one lady told me that every year my premium will go down if I haven't claimed, but instead mine went up twice within 3months, The Telesure group are the biggest ********* I have ever done business with.where I am going to get R40k why did I joined insurance if I suffer like this, excess 15% plus less voluntary 16.2% no one have explained that to me. I am very disappointed I now believe that this insurance doesn't help people from Richards bay they told me that but I refused to listen, now I believe, THE only person that have assisted me proffessionaly is MARISKA she is tops. I wonder why this insurance is robbing me