Discriminatory service, bad service and bullying tactics from Discovery Insure

I took out cover with Discovery I sure and had my premiums paid 2018. I hold a valid Zimbabwean driver's license and a valid South African traffic register which I have held such for 18 years and submitted such to Discovery Insure which they accepted when I took out cover. All was well until I I submitted a claim with them.

At no point did they ever tell me that my cover was subject to me changing my licence to a South African licence. When I submitted a claim for an accident on one of my vehicles, that is when Discovery Insure started looking for excuses not to honor my claim. I was sent from one agent to another with no satisfactory answer being given to me regarding my claim. Finally a gentleman by the name Moss Phillips wrote to me with such arbitrary reasons communicating that they would be rejecting my claim. I was given 7 days to appeal the decision which I did and lodged a formal appeal/dispute to this day they have not bothered to respond.

It's over 3 months and they have not responded because they know the grounds they rejected the claim is not valid. Strangely they continued to deduct premiums from my account. When I kept following up on my claim and appeal they then unilaterally decided to cancel my policy without notifying me of such. I have requested a meeting with then they refuse to see me. I requested a letter with reasons for the cancelation of my cover so that I can move my insurance to another Insurer that is willing to cover foreign nationals who are legally in South Africa. Again they refuse to give me such a letter which prejudices me as I am unable to get cover for my vehicles. My life has been in limbo for the past 5 months due to the incompetence of this insurance giant. Needless to say when they ran double deductions for 4-5 months they apologized and spent a long time trying to resolve, I understood and forgave them. This company will do anything not to honor claims. My broker Joshua Sergey who works for Discovery Insure admitted to me that he was not aware of this rule about the licence. He further admitted that he acknowledges that the treatment from Discovery Insure has been appalling. However he is unable to assist further. The information received from their various employees is in conflict and not consistent.

I need Discovery Insure to honor the claim submitted which is still under review

I need them to give me a letter giving me reasons for the cancelation of my cover

Discovery must also honor all claims for accidents that I have had in the period that I am unable to get insurance because they refuse to give me a letter to submit to my new insurer so that I can activate my new cover

Discovery must apologize for their treatment of foreign nationals and their discriminatory practices