Shocking Truth About Inside Operation of Auto and General

Please read to the end to see twist they do inside claim processes in order to reject high costs claims.

I took a car business insurance policy with auto and gen to cover my bakkie for courier as it will be used to drop and collect parcels for a particular courier company, my car is registered with that courier company, it runs their deliveries and collections of parcels for a certain area that this courier company has given my cousin/brother a contract to run.

The business car insurance cover I took for this car with auto and gen is open driver policy, because it will not have regular driver, in the policy it is defined as follow. I quote "A pool vehicle is a vehicle with no specific regular driver as the vehicle is used randomly by more than three drivers for business trips related to the function of the insured business noted on the policy. You will also have cover if any driver, whom we did not exclude from the policy, uses the vehicle occasionally for social, domestic and pleasure purposes."

Recently this year towards end of February 2022, my car got accident when it was at work collecting and delivering parcels. I claimed and the cost of fixing the car was over R90000.00 and they declared the car write off as there might even be more cost during repair processes.

Below is where story gets interesting.

After many calls and follow up I did with no success of getting hold of the person in charge on my claim, always being told that she will give me a call back, she finally did call me and tell me that my claim cannot be approved, and below are the 2 reasons she told me and this was over the call when she breaks the news and the reasons to me.

1.I do not have a courier business, my car works under another person who has contract with this company to courier their parcels. 2.If they knew that the car is doing courier under another person’s contract they would have not given me a cover or they would have stopped my cover should they have been aware of this at some point.

When they continue justifying this reasons they said this is renting and they don’t cover renting and this in my policy, of which I do not agree as they did not see it as renting when I take the cover, this car is registered for courier or to do courier services with that courier company and it even has cameras fitted to it by that courier company, when I took the policy I never said to them I own courier company, I explained the car will handle deliveries and collections of parcels for a courier company and they accepted that, they did not say to me this is allowed because it is renting and we don’t cover renting.

This did not sit well with me and I asked someone to call Auto and gen and open policy with them and explain the business to them as the exact same one that they are saying to me that it is renting and they don’t cover renting and if they knew this they would have not given me a cover. To my surprise they accepted to cover it and not say no it is renting and we cannot cover you.

I then got more worried as they are giving out policy under the same condition they are using to decline my claim.

A day later, after this new policy that was opened they called me, and tell me that they will sent me reject letter and pay me my last 6 months premiums because the car has been working on that area delivering parcels for about 6 months.

In that call I told them how they are not truthful, I told them about the new policy that was opened under the same conditions they are saying is not allowed and that I have recording of that policy. The news got to the manager and within 30 min I got a call from the claim department manager and she then asked me to send her the recording of that new policy or policy details for it so that they can go through it and possibly review my claim again. this was on 12 May 2022, just this past Tuesday.

Later same day I sent them email that I will not be giving them the recording of that new policy. little did I know that telling them about this new policy and recording I make them cover up for what will contradict them tomorrow.

When the rejection letter comes, it no longer states the reasons they told me on the call, they have amended the reasons in a way that now even when the recording of the new policy comes forward it puts them in a safer side

This is what was said in the letter, I quote, "Hiring poses a specialized set of risks, which do not fall into this same ambit. If we were aware that your vehicle would be used for these purposes, your schedule would have stated this, and you would be paying a premium for it."

Wow now as per the reject letter it looks like hiring is allowed as long as your paying premium for it.

I then asked them the recordings of when they were telling me why this claim cannot be approved and am being told they don’t know when I will get them as this is done by infrastructure team, and they are millions of recordings being made every day that they are dealing with, and because of that the time line of when I can be given those recordings is not known. And before the situations got to this point I asked them can I get calls record when I need them and she said yes it takes up to 48 hours to get them, this is the same person that now say no time frame.

I have a feeling that I will not get those recordings as they will expose the twist they made on the rejection letter to cover up the reason they told me on the call and questions about why declining a claim on this condition and give a cover on the same condition.

Also, from the decline letter it stated, I quote “We do not indemnify you for vehicle used to earn an income”

Of course I have to earn income the use of the car is what I get paid for and which is only for courier services and nothing else, and the accident took place while this purpose was being fulfilled, and this is what I took cover for it for, so that as it is busy doing this courier services it can be covered.

Please help.