Standard Bank Insurance - appalling service

Standard Bank Insurance service is absolutely appalling. Our gate motor was faulty due to the power surges during loadshedding in July. After numerous emails and telephone calls, they eventually sent three electricians from East London to check the motor. East London is over 2 hours drive from where I stay. The electricians worked on the motor, checking it, etc. for over three hours, only to then tell me that Standard Bank Insurance does not cover power surges. Then, why after struggling for weeks to get an answer from them, do they send three electricians out and then only after that tell me it is not covered. I then asked them to send me an electronic copy of the document, in which it states that it does not cover power surges and I am still waiting for that. It has been 8 weeks and I am still struggling to get an answer out of them. The worst thing one can do is to take insurance out with Standard Bank.