ABSA Idirect Insurance Looks for any Loopholes to dishonour Large Claims

My name is Shemime S Mahomed and I would like to tell you about the most terrible experience I have had with Absa I Direct insurance. I bought a new BMW in September 2013 and decided to insure it with Absa I Direct because I was an Absa client, their quote was not the most the affordable but they were offering a no claim bonus. I paid my premiums for about 26 months but in November 2015, I was caught in a severe sandstorm followed by a hailstorm which damaged my rear windscreen as well as “sandblasted” the entire right hand side and other parts of the body. Absa I Direct replaced my car’s shattered back windscreen and sent assessors out to check on all the other damage to the vehicle. The quote that I got from BMW for the repairs amounted to approximately seventy one thousand rand. Absa I Direct refused to honour my claim and instead looked for any avenue not to honour the claim. They checked the condition of my cars tyres and found that they were in good condition. They checked the cars satellite tracking records but found nothing wrong. They did a ******** check on my name and also found nothing wrong. Eventually, the only reason they could find for not honouring the claim was that my husband ( who’s insurance is completely separate from mine and with a different company altogether) had a car insurance claim in 2012 amounting to about forty one thousand rand which was recovered from the other person’s Insurance. I also had a lightning strike claim in 2010 amounting to about eleven thousand rand. Absa I Direct claim that because I had not disclosed this information when I app**** for the insurance with them they would not honour the claim. They claim that if they had this information they would have declined my insurance application. Their way of questioning was misleading and unclear and although I told them that I had an insurance claim for household damages due to a lightning strike amounting to about eleven thousand rand in 2014 they chose to ignore it. I have had the worst experience of my life with Absa I Direct. I have had uninterrupted insurance prior to insuring with Absa I direct for twenty two years and have had less than four claims in all those years. Now that Absa I Direct has chosen not to honour my claim and in turn cancelled my insurance my name is tarnished with all the other insurance companies. I cannot get insurance cover anywhere else and I am forced to drive without any insurance for the first time since I got my driving license more than twenty two years ago.