Insurance...is the monthly cost worth the hassle of them not giving service and paying out claims when you need it?

Good afternoon I had an incident on the N2 between Somerset West and Cape Town at 4am in the rain on the 20th of July. I logged a claim on the 25th of July with Discovery after realizing that it was not only one tyre and rim that needed to be replace but 4 rims. Initially they only approved one tyre and rim as that is the only damage that they could see with the eye. The rims had to be place on a machine and they refused to accept the two letters from two different tyre companies.

There has been several queries, I’ve had various communication with Discovery directly but with little reply. My broker is just getting one person passing the buck to the next. I’ve even been speaking to the panel beaters directly. As of yet there seem to not be any real resolve of my claim.

Steyl Panelbeaters can see that some of the claim has been approved, but with one of the rims there are now value. They have queried this with Net Assess, but have not received any feedback. I work in Rondebosch and drive the N2 highway daily, this is a high crime zone. It seems that Discovery think my life is not worth anything at the rate that they are dealing with this. I am really trying to sort out this and have the tyres repaired to ensure that my car is road worthy but with little assistance from Discovery that I pay every single month for the past 4 years with now claims on my vehicle up to this point.

I have an access fund that is suppose to cover any accesses that I need to pay, the panelbeater insist that I need to pay them directly while Discovery insist that I do not have to pay them, On my Access Fund the R 3500 has already been deducted as if anything as been resolved. I have asked about this but do not get any reply. I must be honest at this rate I will be looking at another insurance company that will value my life and my money, not only my money. I am wondering it is really is that difficult, with in between companies just passing the buck the whole time. I would suggest that if you consider Discovery for insurance...THINK AGAIN.