Standard Bank is a ****

I am utterly disappointed by the service I received with Standard bank home content insurance, we had a faulty microwave that was collected by their repairs team last week only to be told that they can only cover the item if we have a surge arrestor switch installed and we have to send a certificate of that installation, if we don't have one we will be charged 10% excess for the claimed item to be replaced according to their quoted contract claws no.13 no 3 I presume, but the agent says we need to pay R2500 excess for a microwave that costs under R2000 ,does it make sense at all that we pay that much where as when we calculate it on our side the charge of 10% is way less,this is a **** and day light ******* ,incompetence will not even begin to explain the service ,its plain ****** and ******* from my point of view,I will be taking my business elsewhere where customers are valued and the service is just transparent with no ****mers