Car accident claim

Make sure you read your policy clearly. I had no idea that the courtesy car option I was paying for was only for 30 days so I had to extend out of my own pocket for another 30 days!! Had the consultant explained this upon doing the quotation I would have taken the longest duration you can get the courtesy car for, which is 60 days.

Also make sure you read the conditions of your excess because when it’s too good to be true, it really is. I had to cough out more money for excess because of the additional excess.

Now I’m in more debt because they took their time to authorise my claim. The communication with the consultant that was handling my claim was horrible, he wasn’t clear in terms of what he required from me and I had to call in to follow up a week later after responding to his unclear email only to find that instead of the AR Number he requested, they wanted a copy of it - something a mere reply to my email response to his request could have cleared but I had to call in a WHOLE WEEK later. I had to always run after them and check on them and their call lines were so long. I once had to wait over an hour to speak to a consultant, imagine that airtime.

On the night of the accident, I didn’t know where I was and they couldn’t detect my location from my cell phone. If I was in a life or death situation, they wouldn’t have been able to assist or send medical assistance. I’m just happy they approved my claim, now I wait to see how my premium will increase, yoh. So much stress…