Empty promises - no service

I changed so Discovery insurance after being promised that the how you drive gadget and petrol saving swiping card would earn me monthly points effectively reducing my premium and adding up to more than the cash back I had at First4Woman.

I returned thrice even called but the gadget is still not working today even when I went to the Tyger wheels and tyres to test it and download a new app as apparently I was not supposed to download it from the google app store but from Huawei.

To date, I have no cash backs or points after almost a year of having the policy for almost a year. I also was subject to a road rage incident recently when a motorbike driver hit off my mirror purposefully. I put in my claim and discovery but was immediately told it might not be covered as I have an excess of R5,000 but I thought I had only an excess of R1000 for glass and the main purpose of the rear mirror is to see and it is glass. When I arrived on time at Discovery’s assessors I had to wait for another 30 minutes as two other customers arrived after me – walk in customers who pay cash instead of claiming from insurance – these customers then took priority over me. So, I was made to wait with no explanation. The assessor who looked at my vehicle just took pictures – I tried talking to him and asking him questions, but he ignored me like I did not exist. I was just processed.

Then Discovery calls me this morning to advise me they are declining my claim because it is under R5000, and I want to explain to the consultant about the R1000 excess, but she railroads me saying – let me speak.

So far, my experience has been dismal and I regret leaving my previous insurer. The insurer process does not reconcile with the Policyholder Protection Rules and instead Discovery has just been taking my premiums with no product benefits – what am I paying for.