non-Disclosure

The MFC finance a 335i BMW f30 2013 model and insured by Iwyze policy commandment date is 09/07/2019 I pay pro rate until 20/07/2019. I was driving from esikhamelele to my place proximity of 47km with speed 80 km/h. I see the fire come from the right and side front wheel than it bunny, immediately I stop next to the road. I start to take of my I terms inside the vehicle, because the fire happen so quickly sum of my Items are lose. I was followed by policy vehicle the policy stop immediate, they assist me to contact my wife and they assist me with a transport to go back at home so that I can take another car to go back to the Sean, I can wait for the insurance brake dawn, I contact Iwyze for towing assistance they come around 12am middle night to take the vehicle. I went to SAPS to repot accident and they give me OB no and AR No. they assessor want to policy for investigation they emphasise that the driver was in full contractual capacity to drive the vehicle he was not even drunk or any drug influence.

On the 22/07/2019 I submit the claim to Iwyze, they do investigation they fund that me as a regular drive nothing I did wrong to course accident. Since I was only 9 working day this policy is active, Note the policy and the car both it was new to me. I receive confirmation letter of the vehicle was carved from dealership hard copy, I found that the iwyze capture the incorrect information car does not belong to me, they update those changes and my premium affected increase. On the 19/08/2019 they reject my claim due non-Disclosure they mention that:

“ At the application of this policy you were asked whether you had any accidents,

Incidents or losses in the past 5 years and you advised that you did not have any. It was

Established that you an incident on 11 November 2018, prior to the policy inception

And you failed to disclose all it”.

The fact that the time I joint, I was spoke the Zulu language because I understand it better and the insurance question it was in English, I emphasize to them since I have 09 working day in this policy active. I did not receive the policy schedule so that I can check the material information, to make sure that I am covered and I did not get the reasonable time to fix those material information. “If they asked me above question, I Sade no” because I hear the ward accident not incident that was confusion question, Because of similarities pronouncing.

The fact that I try to update sum of material information and mistakes made by IWYZe on the 04/07/2019 the time I join the policy, on the 08/07/2019 the dealership print the letter confirmation the car that was covered. I discover that IWYZe cover the car does not belong to me.

09/07/2019 I call Iwyze to update correct the material information they cover incorrect vehicles BMW 320i M SPORT A/T (F30) [7/2012 - ] – 2013 instant of BMW 335i M SPORT LINE A/T (F30) [7/2012 - ] – 2013 those car the Value are not the same. To correct that, it lead to increase a monthly premium from R1269.46 to R1352.96.

This emphasise clear that, if I was received policy schedule and I get opportunity to ready it .I was willing to correct any mistake. Anywhere I did not receive a policy schedule send by post to me as a hard copy. The fact that I conclude the contract in Telephonic the hard copy must be post and record of advice. On the 20/07/2019 I request Iwyze to send record of conservation of two call take place on the 04/07/2019 since today I did not receive any things