Bad service overall

We were with Santam for a few years. The following happened:<br> 1) Our car broke down in Alberton in Jan 2013. They refused to bring us home, and wanted to take the car to a safe place. when we insisted, they said if we pay R2000 (more or less) they will take us home. We had a caravan and we were a lot of people in trouble.<br> 2) We had an accident in Sept 2014, not our fault. They said we will get our excess back, but we had to fight for it, and in the end they did not pay everything back. <br> 3) December 2014 I wanted to claim for our gate motor that was hit by lighting. I was informed if I do that, we will loose our no claim bonus that will pay out in June 2015. I specifically asked about the accident, and was told because it was not our fault, it would not influence the bonus.<br> 4)June 2015 I asked about the bonus, sorry - no bonus, the call centre made a mistake, we will only get the money in 2016. <br> 5) In August 2016, they increased my premium with 20%<br> <br> Not good customer service at all. My broker said that all insurance companies have problems, but at R1100 a month less, I will feel better about bad service, and will definitely try some of the other much cheaper companies.