Hollard funeral cover is a ****!!

If you have Hollard funeral cover, I would advise you indeed not rest assured. A few years ago My mother took out funeral cover covering herself, my late father and myself. Unfortunately, my father passed 6 months later following a short illness. We felt assured that the insurer would pay as we had paid 6 premiums in the 6 months we were signed up.

At the time of claiming, we were made to fill in a million forms, which doctors had to fill in and which we were charged for. This became such a administrative nightmare. We postponed the funeral hoping the claim would pass and we could use the money to plan. We were told that they will provide us with the use of their car for funeral arrangements while awaiting the claim process. Eventually things just became awkward timewise and we decided to take out a loan for the funeral. Needless to say. our claim was rejected on the basis that while we had paid 6 premiums in 6 months, the waiting period had not expired. Hollards' logic was explained as follows: "The total premium is due in advance on the first of every month, but we will collect the total on the premium collection date. We have noted that 6 premiums were received, however the 6 (six) months waiting period had not expired at the time of incident. Even if we calculate the waiting period from the 1st October 2017, the waiting period in this instance would have been completed on the 01st April 2018. The incident date happened on the 16th March 2018. In terms of our Hollard Consumer Initiative, this is aimed at providing our Policyholders with basic financial literacy and General Policy information on our funeral policy scheme. This training session, is not intended to replace our duty to provide accurate information at sales stage.

My understanding as a laymen is that in actual fact , the policy waiting period is then 7 months and not 6.

3 years later and I am still very upset at the fact that at a time when we were supposed to be mourning, we were running around trying to pay for a funeral where we thought we were covered. I would never ever recommend anyone to take cover with Hollard.