Excess is ridicules

I'm actually very happy with the service we received from Outsurance so far but there is just this one huge problem the excess . Every time something breaks I have to pay a excesses of R2600 which is . You pay your premium every month which is already so high. I have a situation now were my gas geyser and gate motor broke. Now this is two separate claims which means I have to too pay R5200. Outsurance did send out their service provider and they did give them a quote and they said its it's about R7000. I asked if they can deduct excess and pay put the rest to me so I can fix the gate myself. The lady gave me such a attitude and she said I must get a quote from my own supplier. I insist that she speaks to her supervisor and get back to me . Still no feed back. Still waiting for the gas geyser's quote. I will send Outsurance proof that I fix the gate motor and gas geyser. I did have a claim in December for my bath that broke and Outsuance paid the money out and I managed to fix the entire bathroom with the money they paid out. I can also send proof of that. Your excess is ****ing us and we don't want to fix stuff in out house because of this. What is the point of building insurance? In the mean time I sit with a open gate and we had to revert back to the may geyser to bath. I'm alone at home my husband is working in a different town an I fell afraid.