Extremely Disappointed

<p style="color: #000000; font-family: Calibri, Arial, Helvetica, sans-serif; font-size: 16px; background-color: #ffffff;">To explain my frustration, I would like to refer to an email which was sent to Discovery on 07/10/2016 (Mail ref:<span style="color: #000000; font-family: wf_segoe-ui_normal, 'Segoe UI', 'Segoe WP', Tahoma, Arial, sans-serif; font-size: medium; background-color: #ffffff;"> ********** 510):</span></p> <p style="color: #000000; font-family: Calibri, Arial, Helvetica, sans-serif; font-size: 16px; background-color: #ffffff;"><span style="color: #000000; background-color: #ffffff;">"Good day,</span></p> <p style="color: #000000; font-family: Calibri, Arial, Helvetica, sans-serif; font-size: 16px; background-color: #ffffff;"> </p> <p style="color: #000000; font-family: Calibri, Arial, Helvetica, sans-serif; font-size: 16px; background-color: #ffffff;"><strong>Re. Policy Nr. ###########</strong></p> <p style="color: #000000; font-family: Calibri, Arial, Helvetica, sans-serif; font-size: 16px; background-color: #ffffff;"> </p> <p style="color: #000000; font-family: Calibri, Arial, Helvetica, sans-serif; font-size: 16px; background-color: #ffffff;">I have recently added a vehicle to my household insurance. I am however not happy with the premium I received. I have compared quotes and took benefits as well as excess amounts etc. into consideration, I was still able to find quotes that gave me the <span style="text-decoration: underline;">same</span> cover for a substantially lower monthly premium.</p> <p style="color: #000000; font-family: Calibri, Arial, Helvetica, sans-serif; font-size: 16px; background-color: #ffffff;"> </p> <p style="color: #000000; font-family: Calibri, Arial, Helvetica, sans-serif; font-size: 16px; background-color: #ffffff;">As per policy mentioned above, I am currently paying : 2016 Honda Jazz 1.5 Dynamic @ R1,344.09 per month (Excluding Household Contents)</p> <p style="color: #000000; font-family: Calibri, Arial, Helvetica, sans-serif; font-size: 16px; background-color: #ffffff;"> </p> <p style="color: #000000; font-family: Calibri, Arial, Helvetica, sans-serif; font-size: 16px; background-color: #ffffff;">This came as a big shock to me, especially since I have every single policy that <span id="0. ********** ********** 5" class="highlight" style="background-color: #ffee94;">Discovery</span> has to offer. (Health, Life, <span id="0. ********** ********** 3" class="highlight" style="background-color: #ffee94;">Insure</span>, Invest, Vitality & <span id="0. ********** ********** 59" class="highlight" style="background-color: #ffee94;">Discovery</span> Card) Thus I was expecting a far better premium from <span id="0. ********** ********** 07" class="highlight" style="background-color: #ffee94;">Discovery</span>. <span style="font-size: 12pt;">My existing policies are all older than 3 years. <span style="font-family: Calibri, Arial, Helvetica, sans-serif, 'Apple Color Emoji', 'Segoe UI Emoji', NotoColorEmoji, 'Segoe UI Symbol', 'Android Emoji', EmojiSymbols;">I am over the age of 25, had my drivers license since 2007 and have not had one vehicle claim to date. </span></span><span style="font-size: 12pt;">The car is parked in a locked garage at night in a secure complex in Sundowner</span><span style="font-size: 12pt;">, during the day it is parked in an office park - ba*****t in Parktown </span><span style="font-size: 12pt;">with access control and 24/7 </span><span style="font-size: 12pt;">security guards. (This specific vehicle also comes standard with DataDot security which is a level 4 anti theft</span><span style="font-size: 12pt;"> system</span><span style="font-size: 12pt;">.) </span><span style="font-family: Calibri, Arial, Helvetica, sans-serif, 'Apple Color Emoji', 'Segoe UI Emoji', NotoColorEmoji, 'Segoe UI Symbol', 'Android Emoji', EmojiSymbols;">- These are all factors which I feel should be taken into consideration when calculating my premium.</span></p> <p style="color: #000000; font-family: Calibri, Arial, Helvetica, sans-serif; font-size: 16px; background-color: #ffffff;"> </p> <p style="color: #000000; font-family: Calibri, Arial, Helvetica, sans-serif; font-size: 16px; background-color: #ffffff;"><span style="font-size: 12pt;"> </span></p> <p style="color: #000000; font-family: Calibri, Arial, Helvetica, sans-serif; font-size: 16px; background-color: #ffffff;"><span style="font-size: 12pt;">I kindly request that <span id="0. ********** ********** 673" class="highlight" style="background-color: #ffee94;">Discovery</span> re-evaluate my risk profile and revert back to me with a revised quote. </span></p> <p style="color: #000000; font-family: Calibri, Arial, Helvetica, sans-serif; font-size: 16px; background-color: #ffffff;"><span style="font-size: 12pt;"> </span></p> <p style="color: #000000; font-family: Calibri, Arial, Helvetica, sans-serif; font-size: 16px; background-color: #ffffff;"><span style="font-size: 12pt;">Should <span id="0. ********** ********** 63" class="highlight" style="background-color: #ffee94;">Discovery</span> not be able to offer me a better premium, I will take this as an indication of the value they place on retaining their loyal customers, and based on principle I will sadly be forced to cancel <span style="text-decoration: underline;"><strong>all</strong> </span>my existing policies and move over to an <span id="0. ********** ********** 34" class="highlight" style="background-color: #ffee94;">insure</span>r that will value my loyalty.</span></p> <p style="color: #000000; font-family: Calibri, Arial, Helvetica, sans-serif; font-size: 16px; background-color: #ffffff;"><span style="font-size: 12pt;"> ....."</span></p> <p style="color: #000000; font-family: Calibri, Arial, Helvetica, sans-serif; font-size: 16px; background-color: #ffffff;"> </p> <p style="color: #000000; font-family: Calibri, Arial, Helvetica, sans-serif; font-size: 16px; background-color: #ffffff;"><span style="font-size: 12pt;">I received feedback that the risk assessment denied my request due to the fact that my lost ratio is 128%...whatever that means. </span></p> <p style="color: #000000; font-family: Calibri, Arial, Helvetica, sans-serif; font-size: 16px; background-color: #ffffff;"> </p> <p style="color: #000000; font-family: Calibri, Arial, Helvetica, sans-serif; font-size: 16px; background-color: #ffffff;"><span style="font-size: 12pt;">But I still don't understand how another insurer was able to give me a far better rate under exactly the same circumstances, same vehicle, same person, same terms, same cover, same excess , same benefits, same EVERYTHING.. all this without me even having a single other policy with them. This is why I refuse to accept that Discovery cannot give me a better monthly premium - since I have a whole bunch of policies with them. </span></p> <p style="color: #000000; font-family: Calibri, Arial, Helvetica, sans-serif; font-size: 16px; background-color: #ffffff;"> </p> <p style="color: #000000; font-family: Calibri, Arial, Helvetica, sans-serif; font-size: 16px; background-color: #ffffff;"><span style="font-size: 12pt;">Here's my favourite part though... before my first installment even went off, I received an email saying "Its your Discovery Insure Anniversary"... and according to this email my car insurance is already increasing...this while I was already in dispute of the initial installment amount is a massive slap in the face. </span></p> <p style="color: #000000; font-family: Calibri, Arial, Helvetica, sans-serif; font-size: 16px; background-color: #ffffff;"> </p> <p style="color: #000000; font-family: Calibri, Arial, Helvetica, sans-serif; font-size: 16px; background-color: #ffffff;"><span style="font-size: 12pt;">This complaint will be my final plea with Discovery. </span>I am so disappointed and will be sure to make my opinion heard all over social media platforms, pending the outcome of this.</p> <p style="color: #000000; font-family: Calibri, Arial, Helvetica, sans-serif; font-size: 16px; background-color: #ffffff;"> </p> <p style="color: #000000; font-family: Calibri, Arial, Helvetica, sans-serif; font-size: 16px; background-color: #ffffff;"> </p>