Don't cut out the middleman...for your own good!

Please do not use this insurance company. They are impossible to reach, and fight every claim. I was a policy holder for many, many years, but have just cancelled after a spate of really bad luck, with this company refusing to pay storm damage because I had not retained my skylight. They did not even bother to contact the contactor who had repaired that skylight one year previously. I disputed the fact that they had thrown out my claim, and of course the dispute is handled by Dialdirect itself, with no representation from the client. My excess for motor claims is R4,300. I work from home and have a very good claims record with the company. I am frequently a 5 star driver on their own driving app. When I queried this amount, I was told that I should have informed them that I am working from home. There is NO EXCESS with my new company, because I am over 60. Just saying... Dialdirect advertises that they cut out the middleman, and they do. But they don't accommodate the work of a broker...they expect their clients to somehow have that knowledge on their own. When I called to cancel my policy, they couldn't have tried hard enough to keep me. They offered to drop my premium, and discuss the reasons that I was canceling. If they could do that, then why hadn't they ALREADY done that??? Because this is the work of the middleman that they so blithely cut out. The bottom line is that I can't afford to stay with this company. If my house burns down and I lose everything I would fully expect them to throw out the claim because I keep matches next to my fireplace. Don't wait until you have a terrible experience like I did. Find a broker who will look after you when you need it most. Cutting out the middleman is in the best interests of the company, but does NOT take care of the clients. I deeply regret my years of loyalty to this company.