The worse insurer

I have been with Standard Bank Insurance for over 22 years and in that time I have only made 2 claims concerning my geyser . I recently had a problem with my gate motor which stopped working so I contacted my insurance and they said they would send a contractor out but they never did . After numerous calls to them(Standard Bank Insurance)claim was logged on the 30 August 2025 and on the 3 September 2025 a contractor arrived to view the motor . That was the last I heard from the insurer. I had to fone constantly to check on my claim . On the 6 of September I contacted the insurance only to find out my claim was rejected which they didn't have the courtesy to inform me until I contacted them .According to Standard Bank I am not covered for electrical surge .I was told they would send me an official rejection statement but as of today 22 September 2025 I have received nothing from the Insurer. My problem is with the instability of our National Electrical Grid if my DB box has to blow and burn my house down Standard Bank would not pay and I would be sitting without a house . My premiums are not cheap at R900 I thought I would be covered.