**** service

I would like to complain once again about Hollard,after putting my claim in it got rejected,there customer services department contacted me regarding the matter after responding to them via email,I am still waiting on a response as to why the claim was rejected,I also got told I should read through the things they attached in the email.firstly I would like to know how do you send terms and conditions of a policy after 3 months?do you guys not send terms and conditions when the policy starts?really pathetic services I am waiting 8 working days for a response from them and funny enough there automated email states they will contact me in 2 working days,the service is really not good at all!!!!I would like feedback ASAP