Discovery insure dispute

Good day

I have had Discovery Insure for a good period of time, now that i have a claim i find that i have a major problem. I was in a accident 31 July 2020 in Maydon Wharf around 18h30 - 19h00. That area is dark and there are alot of trucks. As the accident happened a tow truck stopped by me to assist me which i gladly accepted as the area is not safe. As soon as i got home the same evening i called Discovery to tell them what had happened.(I am sure you have recordings in place).

Discovery said they would send their towing company to tow my car, and when they told me the name of the company i told them i dont agree because i had a problem with this tow company previously as i couldnt find my car for 3days.i told them ill use the towing company who assisted me to get my car home, who is also on Discovery panel. After lodging my claim there was no communication for about 2 weeks while the car was under insurance care. Discovery called after some time asking where was i was coming from and going to and also asked for the details of the person that i visited(whom I presumed is a witness) hence provided same. They asked if i consumed any alcohol and if i was of a sober sound mind. I do dont consume alcohol and neither do i smoke. The assessor said he was going to the scene to investigate further which I presumed he knew exactly where this incident occurred. However I had never been granted an opportunity to point out scene as the Investigator advised due to covid it was almost impossible to meet.

The Investigator called at later stage to say he is not happy with "his" investigation and told me i must fetch my car from repairer and they cancelled my entire insurance portfolio with immediate effect.

I was advised that there are too many discrepancies which I still fail to understand as I have assisted with all the required information and detail as follows:

- I was coming from Bluff after visiting a friend, going to home. I provided the insurance with her detail and presume you would have confirmed same.

- I advised of my travel route from Bluff via Maydon Wharf which is a valid public route hence your tracking system should have confirmed the same.

- The accident was along roadway where I avoided another party and knocked against verge/pavement and barriers, please see pictures of damaged car, I cannot intentionally damage left side panels and rims to such an extent.

- The towing entity from 1st Road Assist is a reputable tower on Discovery panel.He assisted on scene and assisted further with having car towed from my house to Discovery repairer. I am sure he too can verify version of events and I presume that he too was contacted to confirm the same.

- I registered police report and all the relevant detail was supp**** to your investigator and a copy of the same was provided with consistent detail as always advised.

- I lodged a claim on the same day of accident and all detail was provided.The car was towed to my yard and left there. I then removed all belongings as I presumed Discovery was sending through an alternate tower to take car to a repairer however they did not, butin rush of removing belongings my son removed white unit that was stuck on windscreen. It was only at that time that I was called by Discovery asking if I was involved in accident. I advised Discovery that this was all earlier and not now when they called. (Once again please check your record and detail). I have also advised Discovery about unit track device that worked occassionally and I have comp**** with request to have rectified at nearest Discovery service provider, Tiger wheels.

- There is a third party truck that exists but it is unfortunate that I do not have the detail as the truck continued. The only place I had an accident is the one I advised of and nowhere else. I did not have any accidents elsewhere as I am sure you may have conducted additional checks with Traffic authorities.

Based on the above detail, I seemed to have provided better clarity than yourselves and have gone the extra mile with all detail hence I am contesting your decision made on my matter.

I also noted that I have been covered with you for about 7 months with a premium of about R2 500 per month hence making it about only R17 000 paid to you thus far which may make more sense to find unjust reasons to not pay for a R35 000 repair.

You have cancelled my insurance portfolio that may have serious future implications with baseless reasons and without thoroughly interviewing all relevant witnesses.

Your consideration in reviewing my matter is appreciated. Should you not be able to find an amicable solution,please advise so we can get the Ombudsmann office to intervene.

Kind regards