Worst service in my life!

It is now nearly four weeks since I have reported a claim after lightning fried some things in my home, including a fridge and microwave which I believe are basic items for a decent life. Four weeks that the insurance that I have been paying for to prevent situations such as this expects me to live without a fridge, to name but one item!! Best of all, I have not been able to replace it in the mean time with my own finances due to the insurance paying the claim into a card supp**** by the insurance. This further has the implication that I cannot purchase any of the items online since I have to swipe the card. This is the worst experience from any service provider I have ever had, and living in South Africa that says a lot!!! Absolutely shocking!