FNB Scratch & Dent - claim rejected, daylight *******

I took up an FNB Scratch & Dent Policy for my vehicle on 1 August 2019. The policy number is FNB***. I have never lodged any claim until Wednesday, 25 February 2026. The claim (Ref Number ***) was lodged through WhatsApp, including the photos that were needed to assess the claim.

On Monday, 2 March 2026, I received an email requesting me to phone a *** number. During my conversation with the consultant at MotoVantage/SMART/Motorite (no longer FNB) is was informed that my claim for scratches on the vehicle has been rejected because their service provider says the scratches will cost R24000, which exceeds the FNB policy rate of R3000.

My question to the consultant was the following (to which she hesitated to respond to): I have submitted pictures of three areas on the car (both close up and further away from the car), does none of those scratches not qulify for a repair?

I am told that I will be receiving a letter of rejection of the claim. I am still waiting so that I can pursue the matter further to demand justice. I have paid for the policy for well over 6 years without fail.