OUTSURANCE NOT AYOBA-BE VERY CAREFUL

My Claim Reference*** My 58inch Smart TV was accidentally damaged.Ive been paying Outsurance almost R2000 monthly, with hoping that if whatever happens I'll at least be put back to where I was BEFORE the accident.I've been claim free for more than a year a half(since I switched to Outsurance, with a potential no claim bonus of almost R7k.I had a self recovered motor accident claim- almst 30k- that i recovered myself not wanting to jeopardize my no claim bonus.Now that I have to claim for my TV they are expecting me to pitch in almost 13k to salvage a tv thats worth about 7k(they are taking my no claim bonus of almost 7k, expecting me to pay access of almost 3k to pay me out 4k for the damaged tv- which means I must add another 3k out of myown pocket to replace my tv...So all in all I am paying 13k to replace my TV of 7k...And I am begging them to at least cancel the acess...They wont budge....BE Careful, Very Careful...I'm awaiting their feedback before I label them as a ******* to Unsuspecting Clients.....TRUST is EARNED!!