SCRATCH & DENT COVER IS A **** - NO COURTESY VEHICLES

So Auto and General have been deducting over R1500 a month from me in premiums for 2x vehicles.

The one vehicle was insured from Sep 2018 when I bought it new. The other older vehicle was insured shortly after.

Both vehicles were insured for comprehensive insurance and scratch and dent cover. The newer vehicle I asked them to charge me extra premiums for getting a courtesy car if it ever needed repairs - they offered me and I opted for R80 extra p.m for a rental bakkie with a minimum 2L engine.

Now after deducting about R10 ********** 0 in total premiums for the last nine months. I enquire about getting a courtesy vehicle should my new bakkie need scratch and dent repairs. And now I'm all of a sudden given the runaround and told that all my premiums are in vain because if I need scratch and dent repairs Auto & General expects me to hire a courtesy car at my own cost which completely defeats the point of even having this insurance. If my vehicle needs scratch and dent repairs and has to sit in a workshop for 5-10 days then what??? Must I walk to work??? Paying Auto and General anything for a courtesy car was and is a **** because unless my vehicle is in a full accident or near written off they wouldn't give me a hire car. Great customer service guys! And when asked if I can pay additional premiums for a hire car on scratch and dent repairs the rep was confused and didn't seem keen to help with an amicable. And by amicable I don't mean more high costs and inconvenience which is all Auto and General threw my way on this matter.

What joke of an insurance company is this? This is how you "cover" your insured customers???

You know any clued up insurance provider would give courtesy vehicles even on scratch and dent repairs. There are insurance companies 1/10th the size of yours and they can get that right. Why can't you????

Auto and General are quick to sign you up for a policy but like most scaly insurance companies it hasn't taken long for me to notice why that's the case. You don't even have to file a claim and they already start looking for loopholes to get out of doing the right thing.