**** Insurance

We had an unfortunate accident and had to claim. Dotsure says that my excess is 21k and because I'm claiming within 6 months, they are adding another 21k excess. Apparently the damages are 48k BUT they send no one to personally view the vehicle. You are sent a link and you send them photos of the car. They then judge according to the pictures and send you a quote. I took the car to reputable shops in Cape Town and they all said they have issues with Dotsurance. They actually have to fight with them regularly. Every panel shop told me their quote was far too low and they a messing with me. How can they assess damages according to photos?

So Dotsure holds 42k and I get 6500 without even consenting to that as well as no email breakdown of this amount. How are you supposed to fix front damage with 6500? I even signed up for an 'excess buster' but they would help with the excess because they didn't bill me for that product yet. Does that make sense? An insurer should give you piece of mind and not **** clients over.

I have tried to contact them regularly but no one seems to be able to explain this issue properly.

Stay away and go for reputable companies.