Bad service

I am very disapointed in standard banks insurance department, i have had 3 geysers replaced in the past 6 years,all the geysers have burst and i know have to pay excess again. I recently found out that all geysers have warranties off 5 to 10 years free of charge. I had to pay for each time a gerseys was replacedTheys no way im paying anything this time around. Im fed up with this treatment and will not stand for it any longer. Im paying Srandard bank for the last 15 years with no difficulties however i never get service not even once. Im tired and will make it my means to expose this service . Standard bank owes me money for paying when i was not suppose to pay in the first place. For gods sake its winter can i get service . I want to use my own plumber cause clearly i need to.