Worst Insurance Experience Ever!!!!

I submitted a claim through Standard Bank insurance brokers towards end of November last year of which the claim was rejected for vague reasons which I did not agree with. The overall service received was the WORST I have ever experienced. Not only was the consultant(Phumi Ngcombela) handling my claim pathetic which resulted in my overall experience with the claim being Thee worst ever!! She never kept her promises to call with feedback not once. I had to constantly be calling to follow up. We eventually received a settlement offer(of a measly and pathetic 54% only), but we only after the short term insurance o<br> mbudsman was involved did Standard bank respond. Then after all was signed and agreed upon with the Ombudsman, did Standard bank realise there was a \miscalculation"on their settlement offer and were now offering my R20000 less than initial offer"