Ridiculous Reason To Refuse Paying Claim

You wrote: The cost to repair damages you are claiming for is R2973.06 and your excess is R5950. The cost to repair damages is less your excess. This means you will have to repair the damages at your own cost. ______________________________ I write: Is that how insurance works, that one's excess must always be more than what one is claiming, if that is the case then there is no need to take insurance; For almost the 10 odd years I have been with A&G, this is the 2nd claim; interestingly, the other claim, the amount I claimed was more than excess, so why this ridiculous excuse now.

I have been a client since 2014/15, policy number ***, and then re-joined 2017/18; it means A&G has made more money from my premiums [plus profit/interest], yet they give the most weird excuse not to pay-out that small amount; and additionally, A&G is expensive, the quotes i had for the same car were way much less; I stuck with your insurance; but this is what ones get after staying with a brand for this long.

I know at times insurance can refuse to pay-out if there is a lie, why not say what the lie is; the oke that helped me register my claim, seem to be nice, and he didn't mention that he found anything untoward in our chatting; he is the one who was actually giving opinions when i mentioned that i was supposed to submit proof of a tracking device, for which he confirmed that the devices are now useless as ******* use signal jammers. He is the one actually mentioned that, it should no longer be mandatory as A&G just charge an extra amount as "extra excess" for not fitting a tracker in the event of theft; And in my opinion, after all that talk, is all that actually irrelevant because this is an accident, and has nothing to do with a tracking device. ___________________________________ You wrote: Please consider lowering your excess, for a higher premium. This will allow the insurance to help in future even when you have smaller damages. __________________________________ I write: I do not know what you are trying to say, but all I can say is insurance is pooling together to lessen the burden in times of misfortune _______________________________________