It's more the Highway than MiWay

On the 22nd of November 2018 I was Hijacked, I reported the incident the same morning to Miway. It took two days for me to received my claim number, only because I had to phone the call centre and there was nothing from yourselves. I forwarded all relevant documents including my financial agreement between myself and MFC, as requested. My policy states I am covered under retail value if the vehicle is ****** or written off. I have only received an amount of R92 700, and that has left a shortfall of R29 000 for which I am now liable to MFC. The reason why I wasn’t paid the full retail amount was because of the Service plan, Renew Tech Warranty and Crystal Fusion which is included in my monthly payments to MFC, which Miway are now disputing. Why was this not brought to my attention right at the beginning when I first signed up with Miway that the above would be a problem. As long as my premiums are paid there is no problem but let me get highjacked at gunpoint and then there is every excuse in the book. Miway have now left me in a worse position then I was, not only do I have this outstanding debt around my neck, I now also have to look for another motor vehicle to replace what was taken from me. Well done Miway, you have really lost all my future business and that of my family members, I am not happy with the way this was handled and am going to take this further, Short Term Ombudsman and the Consumer Complains Board.