NC
Nazarene C

1 reviews | Active since Jul 2010

21 Jun 2018, 10:24

Cancelled policy for *****!!!

As I am writing this my blood is boiling. I am beyond mad with the way Discovery has handled my claim. Last year December my house was flooded. Put in a claim for content and building. They came through and assessed my claim which was approved. At that time I was leaving for holiday as it was December. When I got back after 3 weeks I realised my outbuilding was had flooded and the doors were all swollen and not closing due to the heavy rain. My contents was damaged and I called Discovery to come and asses and sort out the building and content. Never got a reply for over a month and so I logged a new claim and then was contacted. Take not this should have been done on the same claim number and it was all related to the storm in December. Someone it was allocated go two different consultants. I waited months for Discovery to come sort out my house and in the meantime I had no doors in my outbuilding with all my furniture there. With having renovations done in my main house my furniture was all in the outbuilding including my two lounge suites. Both which got damaged but not ad bad as the one in the passage. When the assessor came I showed her the furniture in the room and passage and left her to do her job. She however took photos of the lounge suite which was in my lounge. Which was wet but not bad as it just needed to get dried out. She cut my couch at the bottom and told me the board was wet underneath but not damaged. Which I said was ok il let it airdry as I did not want to claim for two lounge suites and also my ottoman and a few other items and the claim would have been too much. She took photos and sent the as*****t through. This took like a month of waiting which I was ok with as I did not need furniture at the moment to get damaged while Discovery was busy getting me contractors from December to fix up my building. In MAY this year 2018 they finally sent a contractor to sort out my claim and building so from December till May I had no doors in my outbuilding. And you think Discovery cared? I went to they head office to sort this out and guess what the consultant who was handling my claim told me not one manager was on site. Well anyways since I logged a new claim in May as my items was getting damaged and ridiculous wet. I then get called by Adele from Discovery to come and investigate why so many claims. So she comes here and give me her bull**** stories which I however explain and tell her why so many claims because they useless consultants don't get back to you and ignore your calls and in order to get answers you got to keep making a new claim. She comes and takes her photos of my place and stuff that she shouldn't be taking which I leave her. Because I just wanted this to be sorted. She then takes a month to get back to me and tells me Discovery wants a meeting which I tell her il will come. But this time I have already bought a new lounge suite and thrown the old one on the streets which I told Adele over the phone. She **** and tells me they been trying to contact me for some time,,,, REALLY I would love to see these call logs because no one contacted me and expected me to sit with smelling, mildew furniture in my house with a 4 month old baby and wait for Discovery to get back to me. Well anyways I get to the meeting and then they question me and tell me all sorts of stories which was all confusing calling me a ****, then found the right documents then apologises for calling me a ****. Then tell me that the lounge suite I'm claiming for is the same one as the last claim. Really???? I have shown them pictures of the two lounge suites which are similar brown suide. The assessor which I told her took picture of the couches in the lounge and not passage and handed that in with the previous claim. Now of Discovery had shown me the pictures they were sent I would have rectified that claim and told them wrong information was submitted. So I asked for all of the people involved including they assessors to all be present at the meeting because calls should all be recorded to say what was been said and who came go fetch the items and assess them. I was told another meeting was to happen which I wanted and agreed on because Adele and her crew were all going on hear say to what they assessors were telling them. What I don't understand is that if they wanted the items for salvage or what ever it is they do with it why was my items been assessed then returned back to me. So to my knowledge I had go get rid of it because I can not store damaged goods like my house is a storage place. Then while the investigation was going on they sent they salvage people to come and collect items from me from December claim??? Really??? Not doing they job well then trying to cover up they footsteps so that they knew when they reject my claim they could say they followed the steps correctly. Anyways with that been said Adele comes to my house and demands to come and take pictures of my new furniture while I'm not home and told her to be here at 5pm. She then sits here from 4pm and questions my sister about her moving from Durban to Johannesburg and we brought her here, which has nothing to do with her. She lucky that I was only informed about this when she left because she would have heard the other side of me. She then wants to come take photos of my whole house and things that does not relate to the claim which I told her NO. She calls me few days later and literally wants me to change my story about my claim. I have nothing to change my claim and story is correct.she then tell me ok well. I will get back to you a few days time. Me like the is it waiting for the meeting to confront all the assessor and consultants about all the confusion then gets a message from my broker telling me the claim is rejected and cancelled point for *****!!!!! WHAT THE HELL???? MY PARTNER is 40 years old and never ever has had on bad judgement of anything against his name. We are honest people and if we wanted to de***** Discovery you think I would wait for answer from them. I furnished my home before they even got back to me with an answer, I don't need the money or to lie. We both have excellent jobs working of this country. And now because of the lack of evidence and Adele who is just going on hear say about what her assessors are saying now has put a black mark on our names with insurance. I drive the latest car that now has no insurance because no one wants to give us because we are marked as *****!!! I really couldn't care less if Discovery doesn't want my R4000pm I pay for insurance, but to put a mark to say ***** is where I draw the line. I will not have out name marked because of Discovery. I am now contacting my lawyer and taking this with the ombudsman so I hope you have all your papers in order. Because I want OUR NAMES CLEARED...

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Replies (2)
Discovery Insure
Discovery Insure's reply21 Jun 2018, 15:47
Official

Thank you for raising your concerns with us.

Kindly note that you would need to follow the Claims dispute process on the rejection letter sent to you. Our Claims Management Team will then review the decision.

Should you feel aggrieved by the manner in which your claim has been handled you may lodge a dispute against Discovery Insure at the office of the Ombudsman for Short Term Insurance for mediation.


1. Contact the Ombudsman
If your dispute is not satisfactorily resolved you can contact the Ombudsman for Short-term Insurance:

Address : PO Box 32334, Braamfontein, 2017
Phone : +***0 or ***
Fax : +***1
Email : ***
Website : www.osti.co.za


2. Time Bar
Should you wish to take legal action you must serve a summons on us within 6 months after the expiry of the above 90 day representation period. If this is not done, you will lose your right to do so.

Regards

Preveshen
Discovery Insure

NC
Nazarene C's update21 Jun 2018, 15:52
Reviewer Update
I am definitely taking this up as I want all the prove and telephone call records. Not just hear say from your assessors. That made Adele feel she can blacklist our names. We work out this country and can not afford to have garnishes and bad judgement on our name. Because of your lack of evidence.