A&G should go in for REPAIRS!

For the first time since I have my vehicle (7 years), she refused to start. Calling the people one is supposed to call in these situations (our Insurance), I called A&G. Firstly, they could only tow my vehicle to the authorised mechanic (3.8km - and not the 100km provision made in the Policy Book) and not back to my place of residence (should there be a need). Apparently, I am only allowed one tow per breakdown, when the policy document states 3 call outs annually, per insured vehicle.

My vehicle is currently in for repairs, but A&G is refusing to give me a hired vehicle (even though the Policy document states this) as my car was not hijacked or in an accident. Apparently, their definition of repairs do not include when a vehicle is in for repairs due to a breakdown. A detail that was not shared with me when I took out my policy 6 years ago and specifically inquired about this.

Since I took out my insurance, it has increased to R2000 per month because I apparently drive a high risk vehicle. If I saved that amount monthly, I would have been able to fix my car now AND pay for a hired vehicle - with change!

What is the point of having an insurance then? This is the first time that I really need my insurance, and they are not willing to assist. So common sense would also have been most welcome!

Needless to say, I will be shopping around for another insurance company.