Santam
They actually DO pay out

I think Santam is the best insurance value for money. My cellphone fell and the glass shattered. They told me to have it assessed and when the assesors said the phone had to be replaced they did not argue, but immediately paid me the cash. It was an expensive phone and I think my premiums would only cover this loss over ten years, yet they did pay me out without any problems. thank you, I am marketing your service wherever I go.