FNB Short Term Insurance? Same time and burn your money to start a braai. At least you get something back.

This relates specifically to FNB short term insurance. Do yourself the biggest favour and take out insurance with anyone else except FNB. "We Are Completely Useless" should be their new slogan and in all honesty should just do away with this service or start from scratch. You may earn extra eBucks but is it worth the cost of the monthly outlay you'll spend and the huge excesses they add onto your policy?

I feel that when you actually need the insurance you've been paying for, for months or years, it should be a fluid uncomplicated experience. Help when you need it. The work is done by them to assist YOU. After all, you've been keeping them employed. This is actually how it goes... It's a mission to get through to them on the phone and eventually you're just cut off. If you do get through to them you're made to jump through hoops with someone you can hardly hear on the other end only to be told you're claim is not going to be processed. Trying to reach them via the FNB app message portal is the same story. The message is clear... Leave you hanging on long enough, you and your claim will dissappear. If my car gets scratched and is fully covered, fix it! That is what I was paying for, is it not?

The story is not over. They offer rim, tyre, scratch, dent and motor warranty cover for your vehicle. You'll find out that this is done through a third party. When you phone them to claim they'll tell you, you need to call the third party company who are just as useless. You assume, because YOU are paying FNB, that they would handle the claims on your behalf. Don't be silly! YOU must just give them your money and then don't bother them any further.

Here's a kicker... Even if you have full comprehensive cover and by chance run out of fuel, they'll organise to bring you some to get you going again and then charge you for it. Most insurers will do this without any extra charges as part of your policy. Basic.

FNB insurance is not your friend. They couldn't care less about you. They're a frustrating headache and if they didn't exist the world would be a better place. Once a top bank now operated like a government department.

Go elsewhere. There are better companies and people out there.