Reasons not to pay

<p>I have been insured with Santam for some time and have, unfortunately, had a spate of small accidents with items such as cellphones, ****** camera and so on. On each occasion I questioned our broker as to the suitability of the claim and was referrred to Santam who duly paid out. All premiums have been paid on due date.</p> <p>Out of the blue I have received a registered letter from Santam summarily cancelling my policy invoking a clause in the contract as I have apparently overclaimed.</p> <p> </p> <p>There was no forwarning from Santam to either my broker or myself and no opportunity to renegoiate the terms of the policy or to offer an explation regarding the claims.</p> <p> </p> <p>I have been insured with other companies for the past 45 years and have never been treated in this fashion.</p> <p> </p> <p>I have just heard Santam's radio advert which states that they look for reasons to pay out- certainly they have looked for reasons NOT to pay in this instance.</p>