sG
sean G
1 reviews | Active since Jul 2015
26 Aug 2025, 16:08
Claim Rejected
Broker sold me Short Term Insurance which included Building Cover, quotation done at my home. After the wind on Saturday, 2 Assessors from Miway (NoWay) came to my home and both agree that the boundary walls are not up to SANS specifications and thereby claim is immediately rejected. I asked him to check my other boundary walls and without hesitation I was told that my Precast walls were not compliant as they are also retaining walls...UNDERSTOOD. My question is, why was I sold the insurance when it must have been obvious to the Broker as well that my Walls were not compliant and would not be covered? Is it the Brokers Fault? Perhaps, but I know that brokers are not trained, nor told to inspect "even visually" if what we are payong for is actually covered. The assessor went into details about the width of the bricks and the height of the wall and what it should be etc and told me that I should have disclosed this. How should i know these technical details, shouldn't the broker who sat at the home insured be better equipped to notice these things? I will be going to the Ombudsman regarding this matter
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Replies (3)
MiWay Insurance's replyOfficial
26 Aug 2025, 16:09We don’t like that you’ve been disappointed; our sincerest apologies! Your message is with the right team and one of our service agents will be in touch shortly. Thanks for bearing with us and giving us a chance to turn this around for you.
Best regards,
The MiWay Team
Best regards,
The MiWay Team
MiWay Insurance's reply26 Aug 2025, 16:09
Official
We don’t like that you’ve been disappointed; our sincerest apologies! Your message is with the right team and one of our service agents will be in touch shortly. Thanks for bearing with us and giving us a chance to turn this around for you.
Best regards,
The MiWay Team
Best regards,
The MiWay Team
sG
sean G's updateReviewer Update
28 Aug 2025, 12:22still no call, what a surprise!!!!!!
sG
sean G's update28 Aug 2025, 12:22
Reviewer Update
still no call, what a surprise!!!!!!
sG
sean G's updateReviewer Update
28 Aug 2025, 12:24The following has been sent to Miway for internal review and will then be escalated to the Ombudsman:
Claim RejectedBroker sold me Short Term Insurance which included Building Cover, quotation was done at my home. After the wind on Saturday, 2 Assessors from Miway (NoWay) came to my home and both agree that the boundary walls are not up to SANS specifications and thereby the claim is immediately rejected. I asked him to check my other boundary walls and without hesitation I was told that my Precast walls were not compliant as they are also retaining walls...UNDERSTOOD. My question is, why was I sold the insurance when it must have been obvious to the Broker as well that my Walls were not compliant and would not be covered "ESPECIALLY SINCE QUOTATION WAS DONE AT MY HOUSE AND THE WALLS WERE IN PLAIN SIGHT"? Is it the Brokers Fault? Perhaps, but I know that brokers are not trained, nor told to inspect "even visually" if what we are payIng for is actually covered. The assessor went into details about the width of the bricks and the height of the wall and what it should be etc and told me that I should have disclosed this. How should i know these technical details, shouldn't the broker who sat at the home be better equipped to notice these things? When i asked him to check the rest of the structure in the house he said it wasn't his job "he recorded our whole conversation btw". I also asked why MiWay doesnt send someone to inspect property before giving cover, he told me "inspections were only done on expensive properties as it costs over R7000 minimum per inspection 10 years ago and it doesn't make business sense for Miway. If i am expected to know these specs, then surely the trained broker should be better equipped. I will be going to the Ombudsman regarding this matter after I have followed the internal process. I would at the very least expect that the Premium paid towards Building Cover "since inception" be refunded, since the broker knew or shouldve known it wasnt compliant and since it didn't make business sense to Miway to do an inspection... Is it not strange that at cliam stage you guys are able to send 2 different individuals "one the repair company to quote, two, the Miway inspector to look for ways not to pay" but you are not willing to send ONE inspector at Inception??? MiWay "NoWay" truely looks for reaons not to pay.
Claim RejectedBroker sold me Short Term Insurance which included Building Cover, quotation was done at my home. After the wind on Saturday, 2 Assessors from Miway (NoWay) came to my home and both agree that the boundary walls are not up to SANS specifications and thereby the claim is immediately rejected. I asked him to check my other boundary walls and without hesitation I was told that my Precast walls were not compliant as they are also retaining walls...UNDERSTOOD. My question is, why was I sold the insurance when it must have been obvious to the Broker as well that my Walls were not compliant and would not be covered "ESPECIALLY SINCE QUOTATION WAS DONE AT MY HOUSE AND THE WALLS WERE IN PLAIN SIGHT"? Is it the Brokers Fault? Perhaps, but I know that brokers are not trained, nor told to inspect "even visually" if what we are payIng for is actually covered. The assessor went into details about the width of the bricks and the height of the wall and what it should be etc and told me that I should have disclosed this. How should i know these technical details, shouldn't the broker who sat at the home be better equipped to notice these things? When i asked him to check the rest of the structure in the house he said it wasn't his job "he recorded our whole conversation btw". I also asked why MiWay doesnt send someone to inspect property before giving cover, he told me "inspections were only done on expensive properties as it costs over R7000 minimum per inspection 10 years ago and it doesn't make business sense for Miway. If i am expected to know these specs, then surely the trained broker should be better equipped. I will be going to the Ombudsman regarding this matter after I have followed the internal process. I would at the very least expect that the Premium paid towards Building Cover "since inception" be refunded, since the broker knew or shouldve known it wasnt compliant and since it didn't make business sense to Miway to do an inspection... Is it not strange that at cliam stage you guys are able to send 2 different individuals "one the repair company to quote, two, the Miway inspector to look for ways not to pay" but you are not willing to send ONE inspector at Inception??? MiWay "NoWay" truely looks for reaons not to pay.
sG
sean G's update28 Aug 2025, 12:24
Reviewer Update
The following has been sent to Miway for internal review and will then be escalated to the Ombudsman:
Claim RejectedBroker sold me Short Term Insurance which included Building Cover, quotation was done at my home. After the wind on Saturday, 2 Assessors from Miway (NoWay) came to my home and both agree that the boundary walls are not up to SANS specifications and thereby the claim is immediately rejected. I asked him to check my other boundary walls and without hesitation I was told that my Precast walls were not compliant as they are also retaining walls...UNDERSTOOD. My question is, why was I sold the insurance when it must have been obvious to the Broker as well that my Walls were not compliant and would not be covered "ESPECIALLY SINCE QUOTATION WAS DONE AT MY HOUSE AND THE WALLS WERE IN PLAIN SIGHT"? Is it the Brokers Fault? Perhaps, but I know that brokers are not trained, nor told to inspect "even visually" if what we are payIng for is actually covered. The assessor went into details about the width of the bricks and the height of the wall and what it should be etc and told me that I should have disclosed this. How should i know these technical details, shouldn't the broker who sat at the home be better equipped to notice these things? When i asked him to check the rest of the structure in the house he said it wasn't his job "he recorded our whole conversation btw". I also asked why MiWay doesnt send someone to inspect property before giving cover, he told me "inspections were only done on expensive properties as it costs over R7000 minimum per inspection 10 years ago and it doesn't make business sense for Miway. If i am expected to know these specs, then surely the trained broker should be better equipped. I will be going to the Ombudsman regarding this matter after I have followed the internal process. I would at the very least expect that the Premium paid towards Building Cover "since inception" be refunded, since the broker knew or shouldve known it wasnt compliant and since it didn't make business sense to Miway to do an inspection... Is it not strange that at cliam stage you guys are able to send 2 different individuals "one the repair company to quote, two, the Miway inspector to look for ways not to pay" but you are not willing to send ONE inspector at Inception??? MiWay "NoWay" truely looks for reaons not to pay.
Claim RejectedBroker sold me Short Term Insurance which included Building Cover, quotation was done at my home. After the wind on Saturday, 2 Assessors from Miway (NoWay) came to my home and both agree that the boundary walls are not up to SANS specifications and thereby the claim is immediately rejected. I asked him to check my other boundary walls and without hesitation I was told that my Precast walls were not compliant as they are also retaining walls...UNDERSTOOD. My question is, why was I sold the insurance when it must have been obvious to the Broker as well that my Walls were not compliant and would not be covered "ESPECIALLY SINCE QUOTATION WAS DONE AT MY HOUSE AND THE WALLS WERE IN PLAIN SIGHT"? Is it the Brokers Fault? Perhaps, but I know that brokers are not trained, nor told to inspect "even visually" if what we are payIng for is actually covered. The assessor went into details about the width of the bricks and the height of the wall and what it should be etc and told me that I should have disclosed this. How should i know these technical details, shouldn't the broker who sat at the home be better equipped to notice these things? When i asked him to check the rest of the structure in the house he said it wasn't his job "he recorded our whole conversation btw". I also asked why MiWay doesnt send someone to inspect property before giving cover, he told me "inspections were only done on expensive properties as it costs over R7000 minimum per inspection 10 years ago and it doesn't make business sense for Miway. If i am expected to know these specs, then surely the trained broker should be better equipped. I will be going to the Ombudsman regarding this matter after I have followed the internal process. I would at the very least expect that the Premium paid towards Building Cover "since inception" be refunded, since the broker knew or shouldve known it wasnt compliant and since it didn't make business sense to Miway to do an inspection... Is it not strange that at cliam stage you guys are able to send 2 different individuals "one the repair company to quote, two, the Miway inspector to look for ways not to pay" but you are not willing to send ONE inspector at Inception??? MiWay "NoWay" truely looks for reaons not to pay.