Complaint Regarding Budget Insurance VAP Shortfall Cover

I am extremely disappointed with Budget Insurance’s VAP shortfall cover. I submitted a claim over a month ago, and to this day, I have not received any feedback. When I called yesterday, I was told that amounts already refunded by my finance house would be deducted from the settlement. On what grounds is this being done, especially when the bank credited those amounts even before the updated settlement was issued?

This whole process feels like a ****. If you have Budget’s shortfall cover, I strongly advise you to cancel it and rather take the cover directly through your finance house. You’ll save yourself a lot of stress and frustration. Budget Insurance’s handling of claims is unacceptable and misleading.