This is how Insurance companies **** their customers.

Experience with this Insurer is very bad. Recommendation is not do any business with them. You insure your items sports equipment etc. with them and then when you use as is in cycling or swimming training with your equipment or bicycle they refuse to pay out because you are not entitled to use it like cycling with your bicycle. So you can't do any exercising with your sports equipment. If it then get damage it is your fault even in and accident scenario. So all you South Africans out there who are sports fanatics don't even consider hem because they will not pay your claims even if it was an accident and you where the innocent party in the accident. You are not allowed to ride your bicycle according to them. New trick to get your monies from these ****mers. Not even considering if are a pensioner or not.