King Price rejected my claim of damage caused by pests, which is not stipulated as "not covered" in the comprehensive policy.

Being a driver for 12 years, the only claim I ever submitted was either for a glass chip repair/windscreen replacement in severe cases. I used to advocate for King Price previously, as I had been with them for years and kept with them even when changing vehicles and as I had no issues with their service. I recently submitted a claim with King Price in Dec 2025, after discovering that there was damage in the engine harness of my Haval H6 that was later confirmed to have been caused by pests. I had been a client of King price for years and it was extremely disappointing that they rejected my repairs claim to resolve the above issue which was at the value of R26 277.50, especially with a monthly premium of R1480.63 (KP***). With my excess amount of R7500, their contribution would have been R18 777.50. Response to my claim was that they do not provide cover for damage caused by insects and pests. Unfortunately this is not stipulated anywhere in my comprehensive policy cover document, more importantly it is not clearly indicated in the items they DO NOT cover. This is misleading and has caused a great deal of frustration to discover this very important piece of information only after the effect because I had to pay the full amount myself in order to resolve the issue which took four weeks to fix as my car engine had to be fully stripped and reassembled. I do not recommend King Price as a reliable insurance provider for many reasons but the most important one being that they do not provide clarity into what they DO NOT cover, and clients only learn that when they experience the problem. I do not have influence to the "damage caused by insects or pests" similarly to how I would when driving the car, and unfortunately such damage is typically only discovered after the effect. It's unfortunate that I paid high premiums for months/years for comprehensive car insurance with King Price that did not provide cover for me, when I needed it most. All I got back from them in my years of being a loyal client was only cover for low cost repairs such as window chip repair and window replacement. I will never a client of theirs and definitely will not recommend them to anyone.