devastating battle of insurance claim payout

I took out a comprehensive vehicle insurance policy with Iwyse in June 2023. Unfortunately, I was involved in an accident, and the vehicle was declared a total loss. Despite my policy being active and comprehensive, my claim (Claim No. ***) was rejected by Iwyse. Since then, it has been a long and frustrating battle. I have endured continuous back-and-forth with the company, which has refused to honor the claim. Instead, they've used every possible delay tactic to avoid paying out. My father, the primary driver on the policy, and I, the secondary driver, submitted all required documentation, including photos of the accident scene, promptly. Yet, weeks later, we were asked to resubmit the same images—by then outdated and no longer reflective of the actual scene. The appointed claim assessor was uncooperative and repeatedly requested irrelevant documentation. His behaviour raised serious concerns, including discriminatory conduct. The stress of this ordeal has taken a heavy toll on my family and tragically contributed to my father suffering a stroke—he is now bedridden. The insurance company’s tow-away partner collected the vehicle, yet we were later asked to submit a Power of Attorney form. Due to my father’s condition, he couldn’t sign. Following guidance from the ombudsman, we submitted a signed POA, which should have resolved the matter. But Iwyse continued to drag its feet. A lawyer is now handling our case and has issued multiple court summons, all of which the company has ignored. Communication from Iwyse has been abysmal. Rightfully expecting the full amount as per the policy. Rather than resolving the matter, they reopened the investigation and began requesting phone records, suggesting I was on a call during the accident. This invasive and irrelevant approach is clearly an attempt to avoid accountability. We are now two years into this dispute. Despite issuing final summons, there has been no resolution. Even the manager, has failed to provide meaningful feedback or action. Up to date we still have not received any payout. We demand answers: • Why has this claim taken so long to settle? • Why has there been no resolution or meaningful communication? • Why is the insurer still looking for loopholes when all requirements on our side have been fulfilled? This experience with Iwyse has been devastating. What should have been a straightforward claim under a valid, comprehensive policy has turned into a prolonged, distressing battle. We need accountability—and justice.