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I was ******,i took an insurance with hollard in July 2018,the excess is R3000 I made a claim in december because of Incident which caused scratches and dents theý are saying i must pay excess of R6000,R 3000 excess and R3000 because the policy is under 6 months.That was the case since I made a claim in December 28 The problem is after I made a claim,they said they will send an assessor,they didn't,I made a follow up,they told me they no longer sending an assessor,they will use the pictures to make a decision,I only received an email end of January saying it been approved and the repairs will only be done on Monday 28th,Why am I paying extra R3000 but they car is not repaired,the quote and pictures were sent on the 28th no delays. I'm really dissapointed,I was using MIWAY and PMD and a told me that I must change to Hollard but I feel I didn't make a right decision.