CLAIMING IS A PAIN!!!!

I've had insurance with OUTsurance for a few years now. Over the few years I paid OUTsurance over R200 000. I have only claimed a microwave and a fridge. But every time there is a story and fighting about access money. We bought a new microwave for R3700. We took it in to be fixed ourselves thinking it will not be a huge problem. The microwave does not want to heat up. They called us saying it is the mother board that broke and won't be able to fix. We called our broker Marli Esterhuysen (very good) who logged the claim on Friday immediately. Someone called us and said that our access will be R4200. It does not make any sense. We pay almost R3000 a month for insurance on our bakkies, ring, home etc. Why is it so difficult to claim? We are going to cancel all our policies with OUTsurance. We are done! Ewan ***