********** Services

I am so disappointed with Pinnacle administrators regarding my MTN mobile device . They are very quick to take your money, but have no interest to settle your claims, specially not if the incident you claim for, fall within the notice period if you decide to cancel your claim.

I wanted to change the monthly day of payment of my insurance, they were not interested in helping me, so I decided to there and then to cancel my insurance with them (it was the 20th November when I spoke to Pinnacle Administrators ). The operator taking the call then notified me that I need to give a month's notice, which I accept.

As insurance are normally from the first day of the month till the last day of the month I did assume that the last day of coverage would therefore be 31 December 2018. ( and I have confirmed this to be as such in my contract document "Cover is provided for each month for which your premium is paid to your Insurer. The premium is payable in advance for the month of cover that follows." )

At the beginning of December, when my debit order was process, it once again was for the full month premium, as I expected it to be. I then proceed to arrange with my new insurer for coverage of the device from 1 January 2019.

On 23 December I fell into the pool, and my phone got water damaged. I visited a MTN Shop, and was assisted in completing the claim forms. The agent assisting me, confirmed that my device is still covered. He told me that the Pinnacle agent will phone me, to arrange for the collection of the phone within a few days.

On 27 Dec I received an SMS to phone them, made the call on the 28 December. The pinnacle agent asked me for the date of the incident, and I told him it happened on 23 December 2018. He told me my insurance stopped on the 20th, and the device is no longer covered.

The do take a full month premium, to cover the phone only for a part of the month. This to me is nothing else but *****.

I would advice people to rather use an alternative insurer, but to stay away from MTN /Pinnacle as far as possible.