Miway Insurance

Strange that the insurance companies like miway ask you to right great reviews on hallo peter when they know you will and received good service. But when they know that you are not happy, they dont assist you like before to go on hallo peter and write a great review.

I called them early November to remove a laptop and add a new one that i Purchased already. The agent on the phone was great and said i must claim the old broken one even if was not my intention. In any case she was great and i received a replacement. Then i get a letter stating that i need to manage my insurance claims better as they will cancel or change my insurance policy due to the claims.

Then a week later i had a car accident. first time in over 3 years. I drove into someone in the rain. Yes its my fault and that is why i have insurance. They let me stand next to the road in the middle of a informal settlement from 7h50 till 11h00 because their systems are offline. Then i begged the tow service guy just to take me 1 km from the accident scene to the police station. Miway was still offline. The claim was registered after I called in again and asked what is happening. After reporting the accident to the police and getting my wife to drive 30 minutes to collect me. Then when i took the insurance, they asked me if i wanted replacement value or book value, and i took replacement, then with the compulsory inspection i received a message i need to specify all the extras on the vehicle which i did. When the Vehicle was written off nothing was paid at replacement value. Half of the items were never specified and that was my fault as when i specified the items, the lady said she will come back to me as the extras was worth more than was allowed, and I never followed it up. The items specified was paid out minus depreciation. Canopy insured for R 14 000 - R 3610 paid. Tow bar insured for R 7000 and R 1280 paid Car radio R 1000 and they paid R 260. Ok we need to minus excesses of R1000 / R 1000 and R 400. The tow bar was fitted in May last year. How much depreciation could there be. The canopy was bought in March from a private seller on Facebook. I would love miway to show me how they can buy the same vehicle with that exact extras specified for the mount they paid out. Or just buy me any of the extras for those amounts and then a day after the claim was approved i get another letter about my profile and my claims history. Yes we need insurance, for just this, but now that you claim for the first time you are treated like a *****. Just not good enough Miway. This is not customer service. Please ask customer to rate you after claims finalized and lets see the ratings then. See wording of letter below

An analysis of your claims profile was conducted following your recent claim and we noticed that the frequency in which you claim, as well as your claimed amounts in relation to your premium is higher than the average of our client base. Unfortunately, if your profile does not improve, one of the following actions could be implemented on your policy in the future: • Cancellation (A cancellation of insurance based on claims history would make it difficult to get alternative insurance) • Increased excess • Increased premium

Will that make anyone happy when you receive 2 letters like this even if its a generic letter. After you get the service i received