Auto & General - *******

I recently found issues with my turbo and diagnostic test showed I needed to replace the turbo actuator. The cost of the part including labour was R4900. I use my vehicle for work and without it, I could lose my job. There was a back-and-forth with the underwriter wanting quotes for a full turbo, which was completely unnecessary. To ensure I did not have complications at work, as I desperately needed my vehicle I had no choice to pay for the repair. While I am aware that paying for the repair was at my risk should the claim be rejected due to perhaps the part not being covered, I received a rejection letter from the underwriter because I paid before approval was received, not because the part wasnt covered. How pathetic. If I did not use this vehicle my job would be at risk. If I continued to drive the vehicle the risk of more damage to the vehicle could have been substantial. My action to pay for the repair potentially saved both myself and this insurer from greater financial loss. I have paid my monthly fee diligently for a year, and to be rejected just because of this is pathetic. I have reported them to the FAIS Ombudsman.