Ooba insurance ...BAD decision !

Their sales pitch is very attractive until you have to claim!!! Then they tell you of all the loopholes they will use to decline your claim and if you as a client challenge their findings, they will cancel you because that's their final loophole to use to get out. Please ooba insurance- guardrisk - hollard all incorporated then Ooba hires CLC to do the dirty work and send out assessors that they can manipulate, just to decline any claim. So why pay for insurance plus you must have an upfront excess which is really excessive!?