********* Business Practice

I am really shocked by Santam's excess structures, they say the in a business to pay claims but they go out of their way to not pay claims and put their clients at a disadvantage. I lost both my glasses and engagement ring and they want to charge me R500 excess for each item plus R2000 additional excess. After they also removed accidental damage on their house contents insurance and now insure cars on Market or trade value only, I now see they trying by all means not to pay claims or pay as less as possible. Santam has dropped their standards drastically. After I have asked to be referred were in my policy documents does is say if I loose specified items at the same time which is one incident I have to pay double , I never got an answer. Terrible service , I am definately taking this matter to the ombudsman.