Stay away from ALL Standard Bank Insurance products!!!

Upon purchasing a home financed through Standard Bank, their insurance department was all over me trying to sell me building insurance to go with the bond. I accepted to keep all my products in one portfolio. Now the time comes for a claim. I have a water leak from the main pipe that has been determined to be under my garage, which is 1.5m above the garden ground level. They sent out a leak detection person to detect the leak and the recommendation was to reroute the main pipe because it will be more economical than to dig up the garage. Oh and guess what.. this is something they do not cover. Which I discovered only now after I wanted to claim and realised that I never got sent any policy documents. I had to request this. They have a great platform where you can access your documentation, but this document is not available there either. I contested this result and insisted they assess the resultant damage due to the amount of water leaking on a daily basis. Roughly 1000 liter per day. They sent out an engineer noted the excessive amount of water filling up underneath the property, the damp issues caused inside the house and the filling under the garage floor being eroded with the volume of water leaking on a daily basis. He also came to the same conclusion on having to reroute the pipe as the more economical option. But Standard Bank refuse to pay for this (as it their policy) and still proceeded to threaten me with outcomes, should I not take care of this leak as a matter of urgency as THEY have been recommended to do by the engineer. In most cases where there is a major pipe leak, the result is a pipe reroute. Further to this, I have been told that I need to fix the leaking pipe while the dispute is being resolved and they will pay me back depending on the outcome of the dispute. This is a clear indication that they are not willing to take responsibility for their product and prey on consumers that are not willing to go through the process of dispute resolution. In other words, I have to pay so there is no further damage caused, while they drag this out in dispute resolution and if they lose, they will just refund you. The long and short of this is that Standard Bank insurance does not deserve to call them self an insurance. This is the equivalent of a 3rd party vehicle warranty where they call themselves an insurance but hardly pay for anything. In this case of a pipe leak, they say they pay for pipe leaks but knowing that the majority of pipe leaks are resolved in the pipe reroutes, they conveniently do not pay for that. STAY AWAY from their insurance products!