Did I Make A Mistake?

I have changed insurers to Miway Insurance via their online platform. Vehicle details needs to be supp****, which includes make, year model, model etc. - Which I included in full. Further details requested includes security devices installed on the vehicles, such as tracking devices & one selects the tracking device that is installed in the vehicle from the drop down menu - to which I selected the devices that are currently installed in my cars - Keeping in mind that the full specification of the vehicles were already described to Miway.

I received my quotations, of which I was happy with. I accepted the quotations & shortly thereafter, I received my policy documents via Email.

On inspection and studying the terms of the policy, I came across a clause that states that in order for me to enjoy cover for theft and hijacking, a CARTRACK Fleet management device needs to be installed & be in full working order at the time of claim stage - I also received an SMS regarding tracking device fitment for these cars at this stage.

I immediately contacted Miway via their chat platform to which it was reconfirmed that I am required to have these devices installed on my cars. If I want to keep my existing devices, I would need to have this clause over-written & pay a higher premium!

Today I got in contact with Miway again regarding this issue, as I have had time to process the information and do some research on the CARTRACK products referred to by Miway.

Mpo Marutla contacted me per telephone & re-confirmed the clause. I informed him that during the quotation process Miway had the details of the vehicle(make, model etc) and the current security devices installed - So why didn't they specify that the current device is inadequate when quoting & that an alternate device is required?

Mpo confirmed that it can be over-written, however at a higher premium.

I do not agree with this as Miway withheld this information when quoting & only disclosed this in the policy documents & SMS AFTER accepting the quote!

I do not want my vehicles stripped and re-assembled over and over and wires cut and repaired.

The CARTRACK product is a 36 month contract & I will not keep my cars for a further 3 years & I will most likely be liable for early termination penalties should I cancel the contract prior to the end of the term.

If Miway had advised me of this at quote stage, I would not have accepted this policy. Miway had the opportunity to advise me of this as they had all the information about the make, model & current security devices installed on the cars.

Mpo said he will discuss with his manager on Monday morning and we agreed that we will have a conclusion by 09:00 am on Monday.

I hope I did not make a mistake in changing over & my policy has not even started yet & already drama...

This is still within the 7 day cooling off period, so I can still cancel this policy.

I will elaborate & amend my review pending the outcome on Monday morning.