Flawed from start to finish

There's a plethora of bad business practice I will address: - A horrifically, seemingly intentionally inefficient claims department - Inexperienced claims consultants - Costs incurred on the insured's part to action a claim - A gauntlet of documentation requirements, specified when claiming but not specified upon taking out cover.

1.) It's clear that King Price is more concerned with preventing payouts over honouring cover. Need proof? Call their claims department. You'll wait with a recurring automated recording promising to call you back because they're too busy - and not once did I get called back. Sending emails or making phone calls to unrelated departments desperately trying to leave notes for the overloaded, unreachable consultant and move a claim process along, I would get feedback days later. Which leads to the next issue... - Claims consultants don't have sufficient training which led to me being the middle man, receiving instruction from King Price, taking it to retail store management to acquire an invoice from months ago, being told the instruction was incorrect, back to King Price, which went on four times, new instruction provided each time. Which feeds into the next point... - I have spent R100's in airtime and petrol trying to carry out King Price instruction which had to do with the final and most important point... - I was not advised through policy schedule nor phone call and King Price is welcome to search their records for that correspondence or lack thereof for the unrealistically extensive documentation requirements. To put this in perspective, to claim for a set of s****** keys being made, I was asked to provide 6 pieces of documentation. There is no call record when the policy was taken out that this was required. When I escalated the matter to management, they acknowledged the requests coming from the consultant as overboard and approved the claim. The same has now happened with my laptop claim. I was never told that I'd need to provide an invoice for my last laptop when King Price was happy to begin taking a monthly premium for its cover. Were it established, I would have been given the opportunity to say I cannot provide that documentation and will consequently not take out cover. The picture it paints is this:

If management can instantly negate consultant's never-before-established requirements for a claim to go through, the consultant's seem incentivised to ensure that the claims process be made so laborious that King Price will reject as many of its client's claims as possible.

In summary, my claim has taken a month within which all of the points above have cost me an immense amount of time and money, for nothing. The claim was rejected in spite of desperately trying to resurrect an invoice I was never told I needed in the first place.

If you want to put clients through their paces to ensure a thorough claims process, more power to you.

But it's clear in many different points mentioned here, that that is not what's going on.

It's cost me so much time, money and effort trying to provide information I never knew I'd have to come up with. The problems I've mentioned are multi-faceted and precipitate all of your business processes.

There are many more issues I have but this will suffice.

At this point, I am angry and disappointed and would like to cancel my cover and encourage my social network to also withdraw their policies from King Price in becoming aware that to be covered by King Price is to pay premiums to a company that will seek out every loophole coupled with unspecified conditions to negate as many claims as possible, leaving one asking, why did I ever bother taking out any claim at all?