DISCOVERY INSURANCE - A BULLY IN A SUIT AND TIE

My view on insurance is that it is a necessary evil, but the insurance industry of late has become nothing more than a mob action draining the life out of existing clients be cause of things like covid, the July unrest, floods and power surges due to Eskom all of which is not in Discovery's clients control but they are being made accountable for these and are being penalized with higher premiums and excessive excesses which ultimately will result in people leaving Discovery and the only reason I am still with Discovery is because of the broker I have.

I will admit I have lodged quite a bit of claims over the last 3 years but most of these have been 3rd party claims which from what I have been told are supposed to be removed from your claims history and are not supposed to be left on Discovery seem to not do this they leave it on and there excuse is it takes time to remove them that is not an adequate answer if they are not meant to be there then remove them instantly leaving them were they are is just sloppy and unprofessional and Discovery pride themselves in there adds at least in being professional.

the crux of my review is that discovery insurance have increased my instalments and used excuses like due to covid, july unrest, floods and increased power surge claims to justify increases which are not really your clients problem these are the risks you as the insurer took when accepting to cover the individuals but when you add insult to injury and impose a R10 000.00 excess on a client which is excessive and unreasonable because you feel they has claimed to much and mind you the majority of the claims submitted are 3rd party claims were they have suffered loss through the fault of others not their own negligence this is simply not acceptable and who really has R10 000.00 sitting in a bank at any given time to pay this sort of excess and if you do not have it what then so in essence why are you paying for insurance if you can not use it when you need to.

I do not get up each day and say how am I going to submit a claim today with Discovery, I have insurance to be there in my hour of need and I can not control other people and I should not be held accountable for other people which is exactly what is happening with Discovery you are deemed a risk because of other people not because you are a risk but the other peoples actions result in loss or damage not because you have caused the loss or damage this is not only a flawed point a view but amounts to theft if you look at because your clients best intrests are not being looked after and you are in essence taking money from your client not the person who caused the loss or damage and should you not be able to recover the money from the individual who caused the loss or damage you can not then turn around and penalize your client for it because this truly makes you look vindictive in the way you conduct your business and your business is insurance loss and damage are inevitable either by way of your clients negligence or through the actions of someone else..

I do not knowingly put myself in a position were I am compromised, I have no control over other people so if because of something they do affects me by causing loss or damage to my possessions and property I am penalized for this by having unreasonable excess imposed on me like R10 000.00 I feel that Discovery have a very jaded system and are morally compromised because holding someone accountable for other peoples actions that has resulted in loss or damage is simply ludicrous and un justifiable but if you the client were the result of the loss or damage were through your actions the loss or damage was caused, this I can understand be held accountable for.

Like I said I have had quite a few claims all most all the claims on my and wife's vehicle which are 3rd party claims we sustained damage not by any fault of our own but by the actions of other people and the 1 claim due to my negligence that I had was when I accidently bumped a guy in the rear because he stalled Infront of me as we pulled off.

I have had a few claims on my building insurance,

1. A truck reversed into my front wall knocking it over 2. Copper water piping that was ****** 3. A under ground sewerage line that collapsed 4. Electrical Power surge that damaged my fridge 5. Flood damage to the rear of my property

All of which were never in my control but I am being penalized for this with a R10 000.00 excess again unreasonable and needs to be reduced to the normal excesses

People are afraid, insurance companies will cancel their policies and never challenge them but I am challenging Discovery you can not do what you have done to me and get away with it simply put my excess were at a zero ratio on my vehicles hence the reason I took a higher premium and it needs to be returned to that and the R10 000.00 excess you are trying to impose on me needs to be removed and all 3rd party claims are to be removed from my claims history with immediate affect. the house hold contents and building insurance excess needs to be returned to there normal rate and the R10 000.00 need