PLEASE READ BEFORE SIGNING UP TO MSURE - WORST SERVICE PROVIDER EVER!!!!!!!!!!!!!!!!!

I am writing this review out of sheer frustration and disappointment after what I’ve been through with Msure’s Maintenance Plan, which I took out through Renault East Rand Mall in 2023 when I purchased my car.

For two years, I faithfully paid every premium and installment on time, believing that I was investing in peace of mind so that when something went wrong with my car, Msure would have my back. Unfortunately, when the time came for them to deliver on their promises, I was met with excuses, hidden costs, and total indifference.

About four weeks ago, my car overheated. I immediately called Msure’s roadside assistance, only to be told that they could only tow my vehicle to the nearest service provider, which happened to be Renault Northcliff.

I was told they would look at my car the following day but that never happened. The workshop only attended to my vehicle three days later. When they finally did, I was told I had to pay R10,000 just to get a quote to determine potential damage before a claim could even be processed!

Let that sink in: R10,000 just to get a quote. Not for the repairs. Not for diagnostics. Just to be told what might be wrong and whether Msure might consider covering it.

To make matters worse, after speaking to a few of Msure’s RMI-approved workshops, I learned that Msure’s assessors allegedly instruct these workshops to inflate repair costs so that they exceed the client’s claim limit. This way, Msure shifts the financial burden back to the customer.

When I initially took out my plan, I opted for the car hire benefit, thinking it would help me stay mobile if my car ever broke down. What a joke that turned out to be.

When I tried to make use of it, I was told I could only access a hired car if my vehicle had already been under repair for more than 8 hours and only after my claim was approved. How does that even make sense?

Once again, it’s a benefit in name only designed to sound great on paper but impossible to actually use.

Their call center staff are well-trained to be dismissive and robotic. Every time I’ve tried to get help or ask for alternatives, I’ve been met with copy-pasted, scripted answers that quote their terms and conditions word-for-word.

When I raised a complaint and offered a cheaper, faster solution having my trusted mechanic fix the car and sending Msure the invoice, their response was simply:

“We can only assist if our service providers handle the repair.”

So even if it would cost them less money and get me back on the road faster, they refused.

At this point, I realized that all these payments I’ve been making were for absolutely nothing.

Msure is quick to call you when they want a payment. I missed one debit when I changed bank accounts, and they were on the phone immediately. But when you actually need them? They disappear.

It’s been four weeks now without my car, and I’ve had to rent my own vehicle at my own cost just to get to work. I’m still fighting to get a straight answer or any form of assistance from them.

If you are considering taking out a maintenance plan with Msure, please learn from my experience, don’t do it. They make big promises, but when the time comes to deliver, you’ll find yourself paying ridiculous amounts out of pocket for things that should have been covered.

They will drain your wallet for premiums and then hide behind fine print when you actually need help. Their system is built to protect their profits, not their clients.

You’ll honestly have better luck getting milk from a rock than getting Msure to help you in your time of need.

My advice: Save yourself the stress, the financial loss, and the disappointment. Find another maintenance provider. Msure is nothing more than a false sense of security.

After everything I’ve been through, I can confidently say. Msure is NOT worth your money, your time, or your trust.