Lost almost everything, Discovery not willing to assist with claim.

I advertised a few items , and was contacted by a potential buyer . He sent me a POP , copy of his ID , Copy of his Prison card in Malmesbury . I got an SMS as well to say Payment was made , the evening no funds were showing , The next morning I tried to contact this person , Phones were off and could not get hold of them and Money was still not showing . I got all my proof documents and information together and when to the Police station to open a case , I received a case number and called Discovery to claim for the lost of my items , my broker assisted me and told me she does not think I am going to come right but lets see , I explained the whole story to her , she said lets see what we can do , I got a message to say that the claim was logged and someone will be handeling the claim , a day or 2 later I got a call from my broker telling me that Discovery is going to decline the claim , they are not going to sort this out , they are busy drafting a letter and it is with management and will be sent to me in due time . No one contacted me , I just received the letter, with the following details : We refer to the above claim and confirm that we have repudiated your claim. We refer to the claim which occurred on 28 June 2023 for Loss/Damage to your item. During the validation of your claim, it was established that the damage to the below is not covered. • Queen size bed • 3-seater couch • 40-inch LED TV • Fridge In this regard we refer you to Section 13 of the PLAN GUIDE (‘the Guide’), which forms part of the contract of insurance which provides that: 13 | Events not covered. 13.8| Financial loss We will not cover loss or damage that relates in any manner to exchange, cash or credit agreements. This includes ***** or theft under false pretenses. In light of the aforementioned we wish to advise that we have elected to reject your claim.

If you disagree with our decision 1. You may make representations to us in writing within 90 days of being informed of the decision. Should you wish to raise any concerns as to the decision on your claim you may do so in writing within 90 days to: The Claims Manager Discovery Insure Telephone: ***Fax: *** Email: *** We will endeavour to consider your complaint within 30 days of receiving your correspondence. 2. Contact the Ombudsman If your dispute is not satisfactorily resolved after the review, then you can contact the Ombudsman for Short-term Insurance: Address : PO Box 32334, Braamfontein, 2017 Phone : +***0 or ***Fax : +***1 2018/01 Page 2 of 2 Email : *** Website : www.osti.co.za 3. You can lodge a complaint against your financial adviser. If you have a complaint against your financial adviser, you may lay a complaint with the Ombud for Financial Services Providers (FAIS Ombud). For this, you must submit a complaints registration form. The form is available on the FAIS Ombud’s website (www.faisombud.co.za) or from: PO Box 74571, Lynnwood Ridge, Pretoria, 0040 Telephone: 0860 OMBUDS (***) Fax: *** Email: *** 4. Time Bar Should you wish to take legal action you must serve a summons on us within 6 months after the expiry of the above 90-day representation period. If this is not done, you will lose your right to do so. Kind Regards Discovery Insure – Personal Lines

Up until now, now one has contact me, not even the broker or Discovery.

I know I don't pay millions in insurance, but I am still a client in need and in stress, with no furniture, I pay my monthly premiums every month and have a few policies with Discovery, I am not very happy with this and this and the way that this was handles does not say a lot about Discovery.

This is not a reflection of putting the Customer first or being there, or at least trusting in an insurer for the bad times or when they are needed.