Disappointment of Oldmutual ensure and Iwyze

This insurance and its overwriter they are 100 /% ****. I have ensured my car with Iwyse in 2021 and made 2 claims with Iwyze they struggled for a period of 5 months and half to pay for the damages caused to my car whereas they kept on debiting my money from my bank 2021. In July 2022, I changed the car to Old Mutual Ensure and my premiums were R1358. 00 for full cover (Comprehensive) but their underwriter was also Iwyze.

I had an accident on the 20th January 2023 where someone bumped into my car and I laid a claim with them. After providing them with everything they needed. These guys debited my money R1358 of comprehensive cover since from July 2022 and now on the 21 February 2023 they called me and say they can't pay for my car because it is not covered. They said I should have taken the car to the inspection by the moment I took the insurance in July 2022 so because I didn't do so even if I have paid all the premiums for comprehensive car the car was is not covered. I asked them why they kept on debiting my money knowing axactly that my car is not covered from July 2022.

They said even if I have paid all the premiums the car cannot be paid because I didn't took it to the inspection of which that was something I never knew about and I tried to explain from the beginning when they asked me about it that it's my first time to hear about taking a car to the inspection.

So now they are using that against me but my money is gone that I paid from July 2022 till to date.

I'm so disappointed with this insurance company because always when I had to claim its a problem. Something that is so fishy about this is that the first 2 claims that had with them (Iwyse) that were paid after 5 months they didn't told me about inspection but now they tell me about inspect that I'm not even aware of. So I am not happy and can't recommend anyone to use this insurance. I have been risking all along driving a car that I thought it is covered because the debits were always went through and come to realize now that I have waisted my money, my time and took a risk of driving up and down thinking if anything happens I am covered but I only heard after 8 months that I was paying for nothing meaning if someone didn't bumped into my car and had to get serious accident maybe in 2025 God Forbid it will be then that I know that all this years I have been paying for not nothing. I asked them why did they kept quiet about this inspection statement from 2022 until I laid a claim and now use this again me...