They always take something out! definitely not value for money

<p>on the 7th of march I woke up with water gushing out of the outlet pipe of the geyser . I then switched off the geyser.</p> <p>The following day I switched the geyser back on when I opened the hot water tap , there was no hot water . On the 9 March I then phoned outsurance . They then sent out a plumber . The plumber told me I need the following ; 100 kpa masterflow valve - R699. 99, tp value - R399. 99 , 2x v-breakers - R150-300 , 1 red element - R199. 99 and one theremostat -R350. I received those prices from kismet hardware in Athlone . I asked the plumber to remove the masterflow valve because I bought one last year in September when I had the same issue . And the guy at kismet hardware told me that the valve is guaranteed for a year , I took the valve to the hardware store , they sent it to Cobra where it is being tested , I am still waiting for the valve . It is the third time I am having the same issue with geyser I decided to ask outsurance to replace the geyser , the materials to repair the geyser is going to amount to R1950 to repair a geyser which is 15 years old . </p> <p>On the 15 March I phoned outsurance to query if they could replace my geyser as I have been without hot water for the past week , I also noticed water dripping from my ceiling . The consultant I dealt with is meritha she gave me a claim number ********** 12 she told me if they are going to replace my geyser I would have to pay the excess of R2380 i agreed to pay the amount , they were also going to assist with the leaking ceiling aswell they then sent out a different plumber . The plumber told me he could not check the geyser out because the masterflow valve had been removed . I explained to them that the previous plumbers had removed the valve because they said it was faulty . I have been paying this insurance without fail for the past 11 years, why is it when i need to claim that i find out that they dont honour their customers. i trust that the matter will be resolved soonest.</p>