******

Pathetic.

We have an Mechanical extended warranty with Auto and General that is administered by the Innovation Group. Low and behold when I spoke to the sales person he never ever mentioned a maximum threshold for a claim. Our car broke down on Thursday 16 July 2020 and for days on end I tried to register the claim just to find out the policy was never registered on the system but they debited every month on the 15th.

Fast forward to yesterday after 7 frustrating days of being transferred from consultant to consultant some not so professional I get told to take the car to Motolek as that was the only approved dealership for my car in my area. To top it I had to pay R950 for towing.

Motolek phoned this morning 22 July informing me they wont be able to repair the fault as it was the engine and they specialize in auto electrical. I phoned the Innovation group requesting them to once again give me dealerships who would be able to assist. The consultant emailed me a list and out of the 7 no one dealt in mechanical failure. I again phoned them asking what to do and was advised to take it to Toyota. So I had to pay another R950 out of my own pocket (in total R1900). Toyota called me earlier advising me to open and strip the engine would cost R13 400 and thats without the parts. Innovation Group tells me I am only covered for maximum R6500 detail they “left out” when they called me to do a quote. I ask about the car rental as when we did the quote I asked if we would be covered and it was a hell yes just to hear now I’m only covered for 2 days and I have to pay it out of my own pocket. Also I never received my documents but requested it twice from them. Toyota doesn't want to do a quote before authorization. I need to think and decide if they should go ahead or let the car be towed still faulty on my own expense again home.

How pathetic can a insurance be. In your most vulnerable state they exploit you like this. I will not leave this like this. I don't have a car at the moment and is struggling to get to work. The ombudsman will hear about this for sure.