Bad decisions, rejecting Claims to shy away from responsibility.

I purchased a month-month Comprehensive Household insurance with Auto-gen (meaning I choose which month to have a cover). One of my claims, a damaged microwave was declined as " wear and tear hole, I let that go. My latest claim for my fridge which was freezing up everything on the fridge side. The claim was again declined based on their assessor report (I only have a slip of what their contractor wrote when they came to my place). Then I get a call from Auto-gen saying my claim is declined, again it’s a ”wear and tear” and the fridge “irreparable”, that I must buy a new fridge and keep the slip. Because I hate arguing, I went straight to my email and cancelled the insurance. I was then requested to call as cancellation can only be done telephonically, which I did, asking them to cancel immediately on 06 Sept @08h42 with their Agent (Makhotso More). I then requested an email confirming the cover will be cancelled by 30th Sept, I am still waiting for that email, am about to call them again for that email. I don’t know what Auto-gen comprehensive household cover means, as their claims agent told me that they only pay for “accident” damage, example lightning etc. So, I cancelled because my understanding of comprehensive does not mean accidental cover, and I am not going to lie and say there was an accident. Insurances are ware that we have been plagued by loadshedding and therefore there could be delay in the damage caused by loadshedding. More so I was very shocked when I went into my profile, I even captured the screen. When I clicked on my profile Icon – my cover type reads standard and my liability cover reads Standard Cover, when on my policy schedule document both read as Comprehensive Cover. The question then is when they evaluate my claims – do they look at standard or comprehensive? …...think for yourself how unsettling that feels.

Anyway – I had a local skilled contractor who did not even come to do a physical assessment. The guys asked me to whatsapp him a picture of my fridge outside, and the inside to see what is happening, in 5 minutes he told me it’s a thermostat that packed , quoting me R850 for the replacement of thermostat and labour…and he came to fix my fridge in less than 30minutes, and it is still working till this day. Learn from this. I am glad I cancelled Auto-gen, next I will be filing a complaint with Insurance Ombudsman