Unfair Claim Rejection and Poor Communication by Budget Insurance

On the 8th of June 2025, I was involved in an accident and immediately contacted Budget Insurance to report the incident. I parked my vehicle safely at home, and on the 9th of June, I was provided with a rental car. Budget then came to collect my vehicle for inspection on the 12th of June.

To my surprise, a week later I was informed that my claim had been denied due to a missed payment. At no point during the claim process was I made aware that my policy had lapsed or that there was a payment issue. I was under the impression that my policy was active and in good standing.

Apparently, Budget attempted to debit my Capitec account when there were insufficient funds, but I had sufficient funds in my African Bank account. Had I been informed that payment was missed or that the debit failed, I would have immediately made the payment. I never refused to pay and was not given the opportunity to resolve this.

Now, Budget has taken my vehicle and I’m left with a rental car and a denied claim, despite having tried to do everything correctly. This situation is completely unfair, and I feel I’ve been penalized due to lack of communication on their part.

All I want is for Budget Insurance to treat this matter fairly, reinstate my claim, and return my car if they will not assist me. I was not negligent — I simply was not informed.

Please resolve this issue urgently.