Total Risk Assessment GAP COVER is probably one of the worst products on the market

Total Risk Assessment GAP COVER is probably one of the worst products on the market. First of all, they hardly ever pay for anything. Secondly, if I try to claim, the information submitted is misinterpreted or simply ignored. It's extremely time consuming to get someone to understand what the claim entails. I get the impression they don't even try to process any claim before denying it. Thirdly, if I complain about something or query something, all I get is an automated response and no follow-up. And then they have the audacity to increase premiums by 20% for 2025.