VERY BAD SERVICE

I was sold a policy by one of outsurance agents about a year ago and he convinced me to join stating what makes them different from other insurances is they don't ask questions I was very happy to hear this and I signed up but a few weeks ago I put a claim in for accidental damage for my fridge I broke one of the pipes by accident and put in the claim by them the firstly rejected it immediately telling me I and to take out extra accidental cover which was not evens mentioned then I wrote a complaint stating they must listen to the recording of the guy that sold the policy to me before telling me all those things of my claim being rejected few days passed and all of a sudden now my claim was accepted then they asked me for a quotation for damages and pictures of the fridge gave them all of it quotation came to R3500 today they call me and tell me my access is R3500 and my pay out will be 400 and something so you tell me why am I paying over 500 a month of my hard earned money for this insurance that claim on there adverts to be the best in SA but don't care about there clients at all how do you fix a fridge with R400 seriously its a major insult to me so poeple don't be fooled by them I'm looking for a other insurer now that actually really cares really disgusted by this service