Caring Company, What caring?

It's sad that you can't chose zero stars. I can actually see how their service has degraded over the last year and a bit, I had to claim 4 times already and every single time the excuses and issues just grew. They force you to use absolutely useless suppliers to replace your lost items and then force you to use suppliers to do preventative maintenance on your house. I chose to do stuff myself like a grown up but not if you are with Outsurance. I have a leaky roof that needs R20k worth of work, my premium is R5+k a month yet because I didn't spend R17k 5 years ago my claim is no invalid. Can somebody please explain the math's to me here? I am so angry right now that I can't even think straight and this is the final straw another company will be getting the R5+k going forward.