Bad service santam

I am utterly disgusted with poor service provided and *********** consultant who assisted me when I called for a new policy at Santam. I asked the consultant to provide me with same benefits from my pervious insurer Old Mutual insure. I increased my contents amount to R604 662. She never explained to me that I required accidental l cover for television sets. When I logged a claim I was declined due to me not having accidental cover of which I was never told about this. I asked them to listen to the recording done. I do not think they listened to it. I am now penelised for incompatent work done by consultant of Santam. I would also like to bring to new clients be aware of incompatent staff not disclosing all that they should when you do enquiries for new polcies with Santam. I thought Santam is giving me a better premium, to my surprise I wasn't insured for accidental cover for television sets or electrical appliances of which I was never told about this. I also experienced poor service from them, since logged the claim on the 26/09/2023 I never received any correspondence from them, if I didn't call them on 3 occasions I would not have known of any outcome of my claim. I also called. Tersia Smit. manager in their department who could not assist me she had to refer the matter to a panel. Please be aware of Santam and convey this to family & friends.