Abuse of Power and Client Oppression

I am upset because Miway failed to resolve my complaint/dispute after they sent an *********** GW Tech employee who wrote a report saying my refrigerator was damaged due to wear and tear, this led to my claim being declined because it is not a power surge-related problem. When I first learned of this problem, I had to appeal and my case was referred to Kgake Mokwena. In the process, I was advised to call in a private expert who managed to determine the problem was that the refrigerator was damaged by a power surge.

The frustrating part on 09 October 2023, after Mokwena failed to give me feedback for more than 3 days, a representative named Mark informed me that Miway wanted me to pay an access of R4500 to get my refrigerator repaired and not replaced. I refused the settlement because I knew that the access was R1500 for the household so I told him to ask Kgake, which as usual did not happen. Today, October 11, 2023, I still had to follow up and managed to reach Kgake who mentioned the same settlement of me paying an access of R4500 all of sudden which still came as a shock to me. I told him I was willing to pay R1500 worth of access that I was aware of and not R4500 access. He told me it was revised on my policy around April/May 2023 and that was never discussed with me but he claimed the email was sent to me which I never received.

It is clear that Miway does not take responsibility at all, although firstly they failed to hire a professional surveyor, secondly, I lost R3900 worth of frozen food due to the damaged fridge, and thirdly I paid the private surveyor. For the whole month, I had no fridge, until today I live from hand to mouth because I cannot buy food suitable for the fridge. This has cost me a lot of money so far because we are a family of five. Every month I pay Miway R1949.26 for insurance but they fail to realize their failures in this claim. The Miway representative also refused to allow me to speak to Tracy Tshuma, one of the colleagues who intervened when Miway rejected my claim for an Apple Mac computer, and the matter was resolved in 2021. I am very disappointed with Miway, my claiming experience with them is always a hustle and very frustrating I don't trust them anymore to ensure my assets. I am considering shopping around for a transparent and fair insurance company.