Insurance claim

<p>Last year 2015 novemeber I took house contents insurance with standard bank. Last week on the 05 of December early morning I phoned standard bank insuarance department for house contents after holding for almost 15 minutes a consultant pick up and I address the reason I was calling and he said he will inform consultant to phone me later. I waited the whole morning for the call until I made another call on my cell and I had to hold until I ran out of airtime. I asked for time off at work just to visit a branch and see how they can help. At Promenade mall an consultant made a call and I had to hold for almost 45 minutes until I panicked and I called the consultant that made the call for me notifiying her about the time I've been holding to be assistant. Eventual a consultant answered and I complain about the waiting and she answered by saying they are shot staffed and with an irritated voice and then we started arguing about my insurance I asked here to put me through the supervisor and I had to hold another 20 minutes . I explained to supervisor my enquiry and he explained to me what I'm am covered for and he even said the explanation I'm giving about my 3 kitchen appliances which is Kettle, iron and dust bin they will be covered except for the dustbin and the only I need to do is find a a place that repairs appliances and request them to assess my applinces and and email the report back to them. After long struggling google for places in my area and phoning them also to ask if they don't have places listed on their data base I can contact with no luck. I got one place and told me they busy but they will send a technician after hours since it's urgent matter. Technician came test my appliances and then said he will send me the report the next day and I had to pay R450 for which I didn't budget for and I did'nt know I had to pay for the report. After getting a report from service provider I phone standard bank again for email address as they promised to send me one and I phoned them to ask if they recieved a report and the lady picked up the phoned confirmed that the've recieved it. After a day and half not hearing from thenm I send another email to check status of my claim and they didn't respond. I phoned them on my cell following up my claim and the supervisor said unfortunately I'm not going to be covered due to discription of the report. I was shocked and ask him how come first you said will be covered according to my explanation and the assessor confirmed exactly the same thing about the electrial problem with my appliances but he still told me that I wo'nt be covered. It's not the first time I had an argument with standard insuarance broker every time I had to claim there's a hussle with them they don't want to pay they glamourise their services but when it comes to claim it's always a war. I'm tired of them and nonsense they are only good with banking not insurance and the unfortunate thing about them is they outsource the insuarane to companies that they are greed to make money and sales but they don't know the business. Please supply me with companies that I can rely on and be happy of what I'm paying for </p>