Hollard car insurance- Very slow service, lack of feedback and they do not pay claim in full

Hello. I am Raihan. I would like to share my experience that I had with Hollard car insurance. Point 1- very slow service and no feedback and communication from Hollard regarding my claim. I had a motor vehicle accident on the 29/03/2019. I contacted Hollard to file a claim on 01/04/2019 and they gave me a claim number which is ********** . They appointed an assessor and we went through the process of assessing which was done within the first two weeks of April 2019, no problems. Hollard then contacted me on 12/04/2019 and told me that they received the assessors' report and declared my vehicle a 'write-off', and said that they will be moving my vehicle to their yard at SMD. This was the last I have heard from Hollard in a very long time. Between the last two weeks of April 2019 and first 2 weeks of May 2019, I have made several attempts to contact Hollard on their call centre number to get feedback from them on my claim, but all they could say was that my claim was still being approved/authorised. After more than a month after I filed my claim with Hollard, I sent a complaint to Hollard on 09/05/2019 demanding that they call me back to give me feedback on my claim. Finally, on 11/05/2019 the Hollard responded to my complaint and the Consultant in charge of my claim had contacted me to give feedback on my claim, and it was approved. Finally, to cut the whole story short, on the 28/05/2019, after some discussion on the payment, almost 2 months later since I filed my claim, Hollard payed me only the retail value of my vehicle and also settled the outstanding finance on my vehicle with the bank. I thank Hollard for that, but Hollard did not pay me in full! This brings us to point 2- Hollard is quick to charge you increased premiums but does not pay your claim in full. My claim was approved, however there is dispute on the payment of the claim between myself and Hollard. Hollard has agreed to pay me the retail value of my written-off vehicle. The problem now is that for reasons unkown Hollard refuses to pay for the extra aftermarket accessories which were fitted to my vehicle. I find this unacceptable for Hollard not to pay for my aftermarket accessories despite me declaring these accessories with Hollard. It is also very sad because Hollard has increased my monthly premiums to provide cover for my extra aftermarket accessories, and now Hollard refuses to pay for it! These extra aftermarket accessories have been declared with Hollard, and confirmed that it will be covered for in the case of a claim. It is also clearly shown in my policy schedule that I am covered for my extra aftermarket accessories to the value of R24134. I have also contacted the Hollard Consultant who was in charge of my claim to review their decision about not paying for my aftermarket accessories, but he simply told me that there was nothing he could do and that I should send a complaint to Hollard. On 22/05/2019 and again on 28/05/2019 I sent complaints to Hollard, kindly requesting Hollard to please review/reconsider their decision about not paying for the extra aftermarket accessories, and to provide feedback as soon as possible. Today is 12/06/2019, which is now 20 days later, and I have still not received any feedback from Hollard regarding the payment for my aftermarket accessories! In conclusion, Hollard provided a very slow service for me, they only contacted/communicated and provided me with feedback after I sent complaints (I mean, why do I need to send complaints just to get simple feedback?), and without reason they still refuse to pay for my aftermarket accessories and have still not responded to my complaints on this matter to date. Overall, as a result, this costed me a lot of time and money. I feel that by posting this review online would seem like the only way to try to get Hollard to respond and contact me. I hope that Hollard will contact me very soon to at least give me feedback on reviewing their decision about not paying for my aftermarket accessories, and I hope that they eventually decide to pay for it.