MiWay Insurance is a ****!

I had put through a claim to MiWay Insurance for my vehicle. Claim Number - ***.

On the 19th of July 2023, the claim had been approved. Later on, I was asked to take the vehicle to one stop autobody. Without looking at the vehicle, I was told by MiWay that it is uneconomical to have it repaired and had written it off.

Before they say it is uneconomical to repair the vehicle, they should get a second and third opinion.

The vehicle is insured for retail value which is over R400 000,00. I had called through their claim department and spoke to an advisor, I had asked the advisor if I can purchase the vehicle from them, the advisor said that this would be allowed. Two days later, I had phoned them again, I spoke to another advisor and was told that I am not allowed to purchase the vehicle as it is financed. A week later, I had contacted them again to follow up on the claim status and progress. The advisor had said that I can get the vehicle fixed and will be reimbursed by MiWay once all invoices for the repair is submitted. I had gotten the vehicle repaired and submitted the invoice to MiWay on the 28th of August 2023. I have called MiWay many times after this and even resent the invoices but I am not getting any feedback with regards to the reimbur*****t.

The vehicle was repaired for R100 000,00 which is not even 50% of what the vehicle is worth. How did they declare this as uneconomical? I am using my vehicle and it is in running condition. Further to this, MiWay is continuing to debit my account monthly, if the vehicle was written-off, why are they still debiting me? We spend more time trying to reach them and get the matter resolved, they do not respond. I'm not sure if I have an incident where I need to claim if it will even be addressed.

MiWay is completely *********** and *********. They do not have standard processes and procedures and this is shown with the way in which my claim is being handled. Their staff have all different approaches to handling it. STAY AWAY FROM MiWay! I will be taking this up with the ombudsman as they approved the claim and then changed their minds and said that it is uneconomical. How is this possible? How does this make sense?

Do NOT take cover with them, do NOT fall for their **** promises when signing up with them for insurance. Insurance with them are a ****.