Won't pay out for insured goods

<p>When I joined Dial Direct, I was quoted to insure all my household goods for an amount of R385000. I have paid my premiums every single month. An assessor was never sent to me to ascertain whether or not I was (in)adequately insured.</p> <p>We live in a security estate. There are approx 400 houses in the estate. </p> <p>During last year on a few occasions we came home to find our garage door open. We found this strange as we make a point of waiting for the garage door to close before we drive away. The only explanation is that someone else in the estate has a garage remote with the same frequency as ours. </p> <p>We did not notice anything that was missing at the time. When we moved during December we noticed that there were a number of items that had been removed from our garage, incl a safe with jewellery and my husband's fishing equipment.</p> <p>We went to all the trouble of getting quotes, and reporting at the police station.</p> <p>The assessor asked me to complete an inventory of goods remaining in the house, which I did.</p> <p>Thereafter, I had to obtain a copy of the police report for the assessor.</p> <p>After all this, Dial Direct told me that because the goods were ****** from my garage, and the garage is seen as an outbuilding, they were not prepared to pay.</p> <p>Yet, the garage is attached to the house. In fact, the upper level is built above the garage. I had provided the assessor with the details of the house. She neglected to visit the premises.</p> <p>Then their story changed....there was no visible signs of housebreaking. Obviously not! I asked why they did not get a report from a reputable automation specialist as to if it was possible that someone else's remote could open my garage door. This was also not done.</p> <p>Now, they won't pay out for the full value of the insured goods because I don't have receipts to prove that I had the goods!!!!!!! Nowhere in my documentation does it state that I must produce receipts.</p> <p>God forbid that I had a total loss in a fire, for instance. How would I prove that I had anything?</p> <p>I have escalated the matter up from the assessor to the manager, who has failed to reply to any of my emails or calls or messages.</p> <p>I am utterly appalled at the service from Dial Direct, after having been a loyal client for many years.</p>