Poor Disclosure and Claim Process for Courtesy Car Policy

I purchased a Courtesy Car policy through Wesbank in July. However, when I recently attempted to file a claim, I was informed by Hollard Insurance that I need to hire a car first and then submit the claim for reimbur*****t. This requirement was not disclosed to me at the time of purchase.

Despite raising my concerns with Hollard, I was advised to contact Wesbank, the seller of the policy. I believe Hollard, as the underwriter, has a responsibility to ensure transparency in policy terms and conditions.