Claim declined and bad service !!

I took a comprehensive cover with Auto and general and the consultant notified me that I had to do self inspection on the vehicle and send photos online etc. Totally slipped my mind which resulted to me not sending.

I made a claim on the 15 January 2022 regarding an accident that occurred,Submitted all the photos on my app and every detail of the incident. 2days after I received a call from their panel beaters that the damage on the car exceeds the amount they need to use to repair my car so he will return the claim to the claims department and they will contact me regarding the way forward. I had to call the claims department myself in order to get feedback firstly then I was told they will not cover my claim mainly because I didn’t do the inspection when I took out the cover!! What upsets me is they were deducting their premiums on a monthly basis R815 and it never occurred to them to atleast call and say Ms Ndou u still have a pending inspection that you need to submit etc they wait for u to claim so they can tell you that we cannot assist because u never completed this when u took the cover I am really disappointed that they don’t follow up with their customers or remind them if there’s missing information that they haven’t submitted yet they take their money on a monthly basis. The guy I spoke too told me they will cancel my policy but today 26/01/2022 as I wake up Auto and general still has the audacity to deduct their premium of R815 what nonsense 🤬 Kindly refund back my money !! I will not suggest Auto and general to anyone and people need to be careful with them their ******!!