Bidvest Scratch and Dent

I had taken out a Bidvest scratch and dent policy in October 2018. They had taken out 3 payments. On the 5th of January I had an incident whereby someone had scratched my car. On the 7th of January 2019 i had called in requesting to put a claim. No one advises you that you can not due to 90 days or what ever the reason maybe even though they ask you every question in the book to verify your details. They would have start date of the policy. They had sent me the forms, asked to get the 2 quotations, send pictures and relevant details to them. This was like a 7 day process.

After making sure all was in order, they email stating they cannot process the claim. They had taken out 3 payments, which is equivalent They do not repair existing damage but when a log a claim 11 days before which alerts them its not pre existing to the policy. they decline you stating "We have noted that the claim/incident occurred within the waiting period. Any claim/incident that occurs within the first 90 days of the policy being intercepted, will not be entertained and hereafter be treated as pre-existing damage/s."

Bidvest scratch and dent are extremely quick to deduct money from the customers.