Insurance *******!!!

DO NOT!!!! use Techsured(underwritten by Guardrisk Insurance Company) for electrical or computer/laptop cover. My laptop, HP EnvyX360, is insured for accidental breakage and loss. The monthly premium for this is R353.30 which includes a yearly increase of 8% as well as an excess of 15% for any claim. The exact same cover is R48.21( without an excess) per month with Outsurance. A yearly saving of R3661.08. I have sent 4 letters to Guardrisk Insurance as the underwriters to this policy querying their excessive premium structure to no avail. All I get back from them is an automated computer generated letter informing me that they have received my query. To date I have not been contacted by any agent or consultant, indicative of the uncaring level of service offered by most Insurance companies