Totally useless service

I don't think they even deserve a rating. I always have endless problems when claiming on homeowners insurance. I had a pipe leak that required the paving to be lifted, had that repaired after paying and access of R1200, only to be told that in order for Standardbank to send ut a builder to quote on laying the paving bricks down again i will have to pay another access of R500. This is rediculous as it shoud have been mentioned in the initial call when the claim was logged. Horrible service, excuses and you pay a premium every month just to pay such access amounts when you actually claim. Why is the proper process not followed and all possible access amounts payable not diclosed when logging the claims, this after the agent was told that the leak is under the paving. The plumber does not have magic abilities to replace the pipe without removing the paving bricks. How does this tranlate into the money you pay for pathetic service?