Auto and General STAY AWAY !!!

On 20 October 2017 I have lodge a claim with Auto & General, claim Ref AG 501465 Policy no ********** 51

The left hand side of my car was damaged by the driveway gate .

When the damages were discussed with their consultant, Mr Oosthuizen it was made clear that the left hand side from the bumper to the back including the ''wheel arch'' was damaged and on three occasions have made it clear that if the cost of repairs exceeds the amount claimed for under the ''scratch & dents'' policy limit of R5000.00 then I would have the option to claim from my ''full comprehensive'' policy instead. The excess payment would then have been 4600.00.

After the assessment was done by their Panelbeater/ Assessor ,Mr Oosthuizen telephonically confirmed the conclusion and go ahead of the claim on condition that I settle the excess amount of R600.00 excess payment under ''scratches& dents' policy plus the additional amount of R1,877.62 to have all the damages caused by the driveway gate repaired without any exclusions .We both agreed and I was informed to take my car to their panel beaters for repairs. I was convinced that this was the better option as a ''full comprehensive'' claim would have attract an excess payment of R4600.00 thus a saving of R2,122.38.

When I went to fetch my car from the panel beaters, I was in total shock and in disbelief to find that only 30% of the damages that was caused by the gate plus a minor scratch on the right hand side, that wasn't even part of the claim, was repaired .The panel beater informed me that Auto & General instructed him to only do certain repairs and that the major damages that was caused to the wheel arch at the back wasn't in their ''scope of work" ! He demanded that the amount of R2,122.38 be settled before my car could be released.

After numerous emails and telephone conversations everyone that I have dealt with has apologized for the misunderstanding, and yet they blame me for not defining the damages correctly and that they are not prepared to reinstate the claim or to repair the rest of the damages that was originally claimed for.

The copies of their audio recordings and email correspondence clearly proves the contrary.

After not claiming for 5 years since insured with A & G and monthly premiums promptly settled 100% I only received a 30% settlement and 10% service on my first claim !!! RATING=F