Policyholders Terms and Conditions

Really pathetic service and T&C's from Standard Bank Insurance. I logged a claim for household contents that were damaged by a power surge in late September. My claim was rejected about 2 weeks later because under some updated policy schedule clause, this insurance company does not cover damage due to power surges or loadshedding. I was flabbergasted. In these times, in this country why would I have household content insurance if they do not cover these incidents. Obviously I logged a complaint which was also rejected because the clause is T&C. This clause was not even in writing on the previous schedules sent to me. Poor and pathetic service, their insurance cover is a **** to innocent customers who will still claim in future.