Be warned - insure with DialDirect at your own peril.

Don't be fooled into doing business with this company. I had a legitimate claim for water damage in my house when water leaked in from outside through my built in aircon onto my built in desks and onto expensive hardwood floors in my house during a stormy weekend when I was away.

At first they rejected my claim, stating that the premises need to be occupied full time. After that I pointed out that my domestic worker was on-site over that weekend as she is a live-in ****. They argued and I had to provide them with the proof.

After that they rejected the claim for a different reason, this time stating "inferior workmanship" from the electrician that installed the aircon unit. Since I'm not an electrician, I believe I followed due process by getting a qualified electrician to do the job - and I'm not qualified to determine whether or not electrical work is good or bad workmanship.

I subsequently asked if they could come and inspect my property to tell me if there is anything else they consider to be poor workmanship and that would be excluded by future claims - but they said "no we don't do that". I interpret this to mean they use "poor workmanship" whenever they don't feel like paying a claim.

After asking them to reconsider the claim and a number of back and forth engagements, they finally agreed to settle my claim. The problem is the repairs cost in excess of R300,000 yet DialDirect only paid me R20,072.81!

I asked if they could connect me with a contractor who could do the repairs for that ridiculous mount - but of course they ignored my request and simply fobbed me off. The only conclusion is that they were well aware that they refunded me an absurdly inadequate amount that would never cover the costs of repair work.

I will never deal with this company again. My experience is that they are dishonest and *********. I am disgusted with DialDirect.