Claim Rejected Irrational!!!

<p>I took up car insurance with iWyze. On 31st of March 2017 my car Ford Focus caught fire as I was driving out the work parking lot. I officially logged a claim on the 3rd of April 2017. The assessment took about 3 weeks and then afterwards they then appointed a fire specialist who took another week or 2 and a bit to do his assessment. His outcome is that Tracker's tracking unit caused the fire. The last time the tracking unit was successfully tested was on 2015 February.</p> <p> </p> <p>6 weeks later (12 May 2017) after logging the claim they then reject my claim because:</p> <p>"Electrical breakdown and failure is not covered, the fire as determined by an independent expert was due to an electrical device (tracking unit) failing. This is specifically excluded as per the general term and conditions. It was furthermore determined that you failed to take due care and/or precautions to prevent loss as you failed to ensure the device was in proper working order..." </p> <p> </p> <p>Due to the reasons above, my claim has been rejected?? They say the don't cover electric failure. I'm not asking them to cover an electrical failure, I'm asking them to cover a burnt car because of electrical failure. It is also can't be established for example that had the tracking been tested 6 months ago, the car would not have caught fire. This sounds like an insurace company determined to not pay claim because they get incentivised for rejections!!! We will hear what the ombudsman has to say about this!!!</p> <p> </p> <p>Furthermore, because the took an entire 6 weeks I'm now liable for R7700 car rental cost.</p> <p> </p> <p>Insurance taking people for a ride... beware!</p> <p> </p> <p> </p>