House Insurance

Standard Bank Insurance, Do not comply with any rules. 1 st , There is no human that can help you with issues of claims. 2nd , In 20 Years not one claim was approved or paid out neither, for disasters or for storms. every time the excuses is wear and tear. But they made me pay them a huge premium, which I do not want to pay, but they take it anyway 3 Every time I try to contact them , they are non existing. no one to speak to or help. 4 th, If You go to the bank, they can not help you, they phone, only to get a reply : someone will contact me. That never ever happen! How is it lawful to take a debit order? I refuse it but they keep on taking it anyway. If my house is not assure able, them why do they have the right to take my money from my account?