SS
Sive S

1 reviews | Active since Mar 2024

06 Sept 2024, 03:35

Shocking and Appalling Service – Avoid Smartsure 2020/GaurRisk at All Costs!

I am utterly appalled by the disgraceful service I’ve received from Smartsure 2020 (Pty) Ltd regarding my insurance claim. My experience with this company has been nothing short of a nightmare, filled with endless delays, shockingly poor communication, and what I believe to be ********* practices.

My vehicle was involved in an accident on the 3rd of June, 2024. Despite promptly reporting the incident and providing all necessary documents, Smartsure has dragged their feet every step of the way. It took them weeks just to appoint an assessor, and even then, I had to chase them for updates constantly. The communication from their team, particularly from Sarah, has been practically non-existent. I was promised weekly updates, yet I haven’t heard anything from them for over a month!

To make matters worse, the assessments of the damage to my vehicle have been all over the place, ranging from R76,000 to a ridiculous R168,000. The latest assessment, which seems highly inflated, is being used as an excuse to write off my vehicle as “uneconomical to repair.” This is despite my car being valued at R234,000! It’s clear to me that this is nothing more than an attempt to avoid paying for repairs.

The company’s lack of empathy and concern for their customers is shocking. I was provided a courtesy car for 20 days, but no extension was offered despite the outrageous delays in the repair process. This has left me scrambling to cover the cost of alternate transportation, adding even more stress to an already infuriating situation.

In short, Smartsure 2020 is a company that doesn’t care about its customers. Their service is appalling, their communication is nonexistent, and their practices are highly questionable. I wouldn’t recommend this insurance company to my worst enemy. If you’re considering using Smartsure, do yourself a favor and look elsewhere – this company will only bring you endless frustration and financial strain.

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Replies (2)
Guardrisk Insurance
Guardrisk Insurance's reply06 Sept 2024, 11:12
Official
Dear Sive Sombo,

Thank you for raising your concerns with us.  

The complaint has been escalated to the Administrator for urgent attention, and you will be contacted shortly. 

Feel free to contact us should you need anything else.

Regards 
The Guardrisk Team 
Email: ***
SS
Sive S's update10 Sept 2024, 07:53
Reviewer Update
Since my last review on September 6, 2024, I had hoped that Smartsure 2020 (Pty) Ltd would take my concerns seriously and rectify their shockingly poor service. Unfortunately, I am once again disappointed and disheartened by their complete lack of accountability and responsiveness.
Despite formally lodging a complaint regarding the gross delays, miscommunication, and highly questionable assessments, Smartsure's response has been inadequate at best. Their email was filled with empty reassurances but failed to address any of my key concerns. I demanded an independent assessment due to my justified distrust of their inflated evaluations, but they’ve passed the burden back to me, expecting me to appoint and pay for an assessor myself!
Smartsure’s excuse for not providing a replacement vehicle, despite nearly three months of delays, has left me stranded without proper transportation, while they continue to dodge any meaningful accountability. Adding insult to injury, they’ve refused to consider reimbursing me for premiums and excess, even though they’ve clearly failed to provide the service that I’m paying for.
To top it all off, they haven’t offered a satisfactory explanation for why my vehicle's repair estimate jumped from R76,000 to R168,000, despite my car being valued at R234,000. This inflated assessment is simply being used to justify writing off the vehicle instead of repairing it – a clear tactic to avoid paying out.
This entire ordeal has been a disgrace, and Smartsure has shown absolutely no regard for their customers’ well-being. If you're considering insurance, avoid Smartsure 2020/GuardRisk at all costs. Their service is not just bad – it’s non-existent. I’m now in the process of escalating this complaint to the Ombudsman for Short-Term Insurance, as Smartsure’s refusal to address my valid concerns has left me with no other choice.
In summary, Smartsure’s service is beyond appalling, and their customer care is a joke. Do not waste your time or money with this company unless you enjoy stress, financial strain, and being treated with complete disregard.