You don't Budget, they do

On the 19 August 2024, I had a problem with my geyser. I called Budget. The individual who registers the claim said that it would take 5-10 working days to repair it. As it is winter, I couldn't wait so long. I bought the geyser and had it repaired by a registered plumber. That afternoon, the case worker (Celeste)assigned to me gave me a call and when I explained the situation. She understood that the fault was on their side as I was misinformed about the waiting period. I was then told that I should email my quotation with material and labour to Lerikar who would sort the issue and ensure that I got my refund. Apparently it seems that nobody cares about the situation. It appears that since I bought and installed it myself, it's not their problem. Almost a month has gone by and I have been ignored. The only thing they tell you is the excess story. I know the excess-I TOOK THE POLICY OUT in the first place. Secondly I took out a dent and scratch policy. There were scratches on the front bumper which is barely visible. So I went through the procedure, And called. I then worked through WhatsApp. To my surprise they got their own private assessor to view photograph's (mind you) and came back to me with a price of R 9000 as the Fender was damaged. The fender is by no means damaged at all. Not even a dent on it. A slight chip on it which is barely visible. After their company assessed the case worker called and informed me of the outcome. I am insured for 6000 on the policy which is perfectly alright but was explained about excess, took their assessors words for it and rejected the claim.. Guess what,, there 's no excess on that policy. It seems that they don't save you money but your save them money. Please be careful with Budget. Other major companies who don't talk about excess are better and really save you money. I am very disappointed as they provide services that are less than desirable.