They Will Invent Any Excuse to Deny Your Claim: B.S. MiWarranty— Bronze Cover and MiWay Third Party M-Sure!!!

I regret taking a MiWarranty—Bronze Cover with MiWay, which uses M-Sure, a third-party financial services provider that specialises in vehicle value-added products. I won't forget the frustration they put me through. My car needed a clutch kit replacement on 21 February 2026, and they delayed me with their B.S. instructions and gave me a list of their approved repairers "for your convenience," they said. The only good thing they had done was to call a tow truck for a pickup. After that, the towing company took the car to the repairer I selected from the list provided by MiWay. When it was time for me to claim, I was then referred to M-Sure, who kept on referring me to different individuals and finally to a gentleman who then requested me to contact MiWay again to find out the reason for the amount the repairer might be able to claim. I then made a call to MiWay and spoke to a gentleman that indicated that they can only pay R2 500 for the claim; he also directed me to open the policy wording for MiWarranty Cover and referred me to a schedule on components covered & benefits table with a claim limit on the clutch for that B.S. Bronze Cover, which is written as R2 500 for a clutch replacement! They had the audacity to tell the repairer that they can only make a payment if there is a warranty on the work done by a repairer in my car. I was very disappointed at MiWay and Msure, as it was my first time experiencing such poor service. The cost of buying a clutch kit at VW is plus or minus R17K plus R6K for labour which will total to R23K. I had to buy a clutch kit from Goldwagen for R5 500 and R7,342.75 for labour to the repairer, which totaled to R12842.75. MiWay did not make a payment because I went to buy parts from Goldwagen since the repairer could not warrant the part bought elsewhere. Then MiWay and M-Sure find an excuse not to pay. Before joining this, I had a maintenance plan with Traficc that I took back in 2018 when I bought the car and extended in January 2022 after it expired. I had never experienced any issues with Traficc. MiWay failed to help me and refused to pay all the premiums I've been paying since Inception of the MiWarranty Cover, instead they suggested that they will send me the recording of the phone call between their agent Sipho and myself of which they did after I requested the recording that came after I don't know how many days and hours. They kept on saying, "We are still busy listening to the recording," and they tempered with the recording as some of the parts where their agent indicated that I won't have a problem when it is time for submitting a claim and that MiWay and Msure will make a payment to the repairer, or if it is above that, R19 800 will be paid to me to find any repairer to fix the car. They took their time to delete and fix the recording to suit their narrative. In the recording my voice can be heard saying that I was driving and on a phone call on Bluetooth and was rushing home since I was writing exams, and I even told that Sipho guy he kept on saying he needed a few seconds from me, and I can be heard saying I don't have time since I'm rushing home to prepare for exams, and they deleted the part where I indicated that I prefer him to call me back when I'm free or when I get home. He promised and agreed to give me a call when I get home, but that call never came and never happened. Due to the situation I was in, I only managed to check and read the letter, cover sheet, and payment details, and I never got time to check and read what is written in the policy schedule on components covered & benefits table, but who does? I've been paying monthly premiums to MiWay from January 2024 until February 2026. Before that, I had comprehensive car insurance with them since September 2019, and I cancelled it in March 2024. I will definitely rate MiWay and M-Sure a single star this time, and I won't be referring any family members, friends, or colleagues to MiWay after this experience.