Worst service, no personal touch

I’ve insured my Apple Watch 1Gen in 2021, my watch is now broken and the 1st Gem is no longer available.

Santam is insisting that I replace my watch with the 2nd Gen Apple Watch. They then say I’m under insured and have to pay an additional amount on top of my access.

They have been busy with my claim for more than a week now, I had to send a follow up email them call the call Centre.

Santam then sent me an email with two quotes and said I MUST PAY the additional amount.

I am being assisted by Thandolwethu Ikaneng (Santam)