Motor mend only happy to take your money but never pay out

Worst policy This company allways looking for a excuse to pay out. So I bought my motormend plan a few months ago and suffered 3 issues with my vechile.

The first of which they paid only half of the damages and didn't want to pay out for belting that snapped due to my mechanical failure although I'm covered for consequential damage.After having to fight with them I had my pay out reduced to R250 instead of R750

Secondly I started to experience my aircon wasn't working.After having a workshop look at the damaged parts they found my condenser was fualty. After the shop have been interrogated by the claims department they said they they won't pay out as they suspect my condenser was damaged due to a stone.

3rd claim My vechile started leaking coolant. After determining the radiator was damaged due to a bolt that came out of my vechile and hit the radiator. The claims department stated that they do not pay for accidental damage. Although its actually considered to be consequential damage due to a specific bolt - ( that has a part number) failed and coused secondary damage. The claims department stated that a part that fails and couses another part to fail is consequential but although a bolt has a part number its not considered as a part. They kept on saying it's accidental damage which is just their excuse of not paying for something like this.

I eventually spoke to the department manager and he was also stern that they not going to pay out.

This company is happy to take your money but never to pay out if your vechile gets a issue