Poor Claim Excess Policies

I am truly disappointed in the service I received from Outsurance when claiming for a damaged cell phone. I am a loyal customer of +/- 15 years with no service issues until now. It was an older phone that was insured for R18000 with and excess of R710 (which is understandable for that insured amount and if the full amount was being claimed) My repair Claim was +/-R4500, a quarter of the insured amount. Even though I asked them to adjust the excess for this claim to match the repair amount they would not budge and said it would still be R710. Due to this I was forced to cancel the claim as it would not be worth my while in the end to go through with it. Over my +/-15 Years with Outsurance I have always told telesales people calling about other insurance companies that I am happy where I am and do not need any quotes. After this I may just take their calls now to get comparative quotes.