******* FROM MY INSURANCE

I was involved in an accident on the 28 September 2019 and lodged a claim with your offices which was registered under claim number CKP***/2. On the 03rd of September 2019, I called your offices and was assisted by a certain lady whose name I do not recall. She assisted me with registration of my claim, which included brief description of the accident on the date in question. I then received another call a week later from one of your consultant again who requested me to give her (Her name is also unknown to me, but the records can assist) my version of how the accident occurred on the date in question, which I once again furnish your office with same.

A month later in somewhere in October 2019, I received a call from your Mfundo Mankule who informed me that he is an assessor appointed for my claim and that my motor vehicle has been assessed. He further confirmed that the motor vehicle has been found to be structurally damaged beyond repair. Quite obviously, it means that I can no longer use the motor vehicle as it is damaged beyond repair (Common sense dictates).

The communication with Mfundo Mankule regarding the damage to my motor vehicle and the option that he gave me regarding the way forward gave me the impression that the issue of the merits (how the accident occurred) of my claim has already been investigated and conceded by the insurance. This was so given the lapse of time from the date on which the accident occurred to the date on which he was advising me of the options available.

On the 12th November 2019, your Emile D. Pieters sent me an e-mail for a “reasonable request”, requesting amongst others: my bank statement; a copy of my identity document; and requesting me to sign a Form giving them access to my personal details including my tracking device. I was very curious and shocked about the request as i find it too personal, I nonetheless provided Mr Pieters with all the requested documentation expeditiously even though I did not view this request as reasonable, I comp**** because I did not want to unnecessarily delay the finalisation of my claim.

It was only after two months after the accident had occurred when I received a call from yourself Mr Rodney Mahlangu, on the 20th November 2019, (subject to correction). During this call, he informed me that you was appointed to take over the matter. During this call, he requested me to give him my version of how the accident occurred, including my motor vehicle movement for the whole day until the time of the accident. Although I viewed this request as odd, and indeed as a potential tactical delay of the prosecution of my claim as i have provided same to the insurance timeously, I however obliged. He further requested the details of all the witness who were occupant in my vehicle at the accident which i provide same, which he then proceeded to interview.

My understating was that after all the interview and the information provided, your insurance will be in disposal of all the facts to make a sober and sound decision on regarding my claim. On the 10 December 2019, your offices sent me a letter of rejection of my claim. You re**** on two following grounds: - That i did not provide true and complete information. - That i was driving under the influence of alcohol.

Failure to provide true and complete information: The reasons to me are without basis as i have given them all necessary information for the finalisation of the claim. You will note that the judge dealt with this injustified reason of rejection in the case of Concise consulting services (PTY) v King Price Insurance.

Driving under the influence of alcohol: According to Mr. Rodney Mahlanagu, your offices interviewed a witness at the accident scene who told the investigator that i was smelling of alcohol. I am shocked in that no breathalyzer or any blood tests were done on me to confirm the alcohol in my body. It is also painful because all the witnesses interviewed confirm that i did not consume any alcohol at the time of the accident. Mr. Mahlangu from your offices therefore rejected on the basis of a hearsay evidence as i was not even told who this witness is and how he get to smell my alcohol.

It was only going to be fair if your company have given me clear and precise reasons of rejection. The reasons stated above that your company re**** on are vague and embarrasing in law which then put your company into disrepute. Your unbecoming conduct has caused me and is still to cause me financial and emotional distress.

I feel that I have been mistreated by my own insurer to whom I have been paying my premium. You have not been able to adduce any evidence proving my dishonesty or any sort of fault on my part which led to the accident, yet you are dilly-dallying regarding repairing my motor vehicle.

You should be alive to the damage that such treatment of customers can do to your brand. I take it you are aware of the much-publicised case of Momentum and the recent Old Mutual case and I do not wish for your company to expose its business to such bad publicity through litigation. This type of conduct by the insurance makes me feel ****med by your company and is inhuman and legally unacceptable and could only put the name of your company into disrepute.