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williebotes W

1 reviews | Active since Jul 2017

21 Oct 2020, 11:56

Insure Africa not willing to listen to reasons.

Hello

I am a member with Insure Africa since 2018.

They convinced me that when I take this insurance for my 2000 model Toyota Corolla that i will have peace of mind.

Fast forward tot 2020.

Crisis struck, my Toyota broke down due to cambelt failure.

I phone Insure Africa and explained to then what the problem was.

At first they were very helpful by towing my vehicle to a RMI approved service center.

Well that is were it stopped, that was about a week ago.

Since then I am battling to get the claim going.

My car was last serviced in June 2020 (cambelt was replaced) and the plan was to service it again before June 2020.

What happened in early 2020?

Covid-19 struct and everything was closed down.

Me and my wife financial income was also severely impacted as o business could be conducted due to the lockdown restrictions as well as travel banns.

Insure Africa asked why the car was not serviced in 2020?

I explained to then my situations and that the plan was to service the car in December 2020 when my wife receive her annual bonus.

They did not even respond to that explanation, no they immediately said if the service was not done before June 2020 the claim will be rejected.

They are willing to accept my monthly premiums, even during the whole lockdown period that is still in effect today, but they are not willing to listen or compromise when a client are in crisis.

Is this how these people do business?

Just take your money and that is where it ends.

Please advice on how I need to proceed to get my car fixed with and insurance that basically means nothing when you are in crisis.

Regards

Willie Botes

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Replies (4)
InsureAfrica Underwriting Managers (Pty) Ltd
InsureAfrica Underwriting Managers (Pty) Ltd's reply21 Oct 2020, 12:18
Official
Good day Sir, we are in receipt of your complaint.  Kindly allow me time to investigate your claim after which I will revert back to you via your email.

Thank you kindly, InsureAfrica
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williebotes W's update21 Oct 2020, 12:20
Reviewer Update
Thank you
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williebotes W's update21 Oct 2020, 12:36
Reviewer Update
This is the email response I received from the Claims manager Claus Richter.

"
Good afternoon Mr Botes
Thank you for your email. When the policy was bought in 2018, it made clear to you what the terms and conditions would be to keep the policy valid, and what the consequences would be should the policy terms and conditions not be adhere to. The vehicle has to be serviced according to manufacturer specification which was not adhered to. The 2020 annual service was not done. This would mean that if your claim is not service related, the policy would still apply the terms and conditions to validate the claim, but the vehicle has to be serviced as soon as possible and the policy will be suspended for 60 days going forward from the date of the late service.
Trust that this would all be in order."

I understand the whole explanation but do you understand my explanation?

Now you want me to service a broken down car.

Then you suspend the policy for 60 days that in effect means that I will not be able to use my vehicle for 60 days before the claim can be approved.

How does that make any sense and how does that give me peace of mind?

Regards

Willie Botes
InsureAfrica Underwriting Managers (Pty) Ltd
InsureAfrica Underwriting Managers (Pty) Ltd's reply21 Oct 2020, 14:41
Official
Good day Sir,

I will respond via email to you.