MiWay is a bully

Hi. I am really furious and disgusted by MiWay. I have been a reliable client since June 2013 and have never missed a payment. I have been really happy with your service and sung your praises to anyone looking for an insurer. I have been loyal. Over the insured period, I have submitted a total of 11 claims which are : 3 for a locksmith 1 for an electrician 2 for glass repair on my insured vehicle 1 for my laptop 1 for my prescription glasses 2 for mechanical breakdown 1 for a car incident

I've had the following insured with you: • engagement ring • Opel Corsa • laptop • 2x Prescription glasses • Wacom tablet • Household insurance • Samsung S7

I have paid R39 941 over this time. I submitted a claim for my laptop on 9 September 2017 which was approved. On 3 October 2017, I received a threatening letter from Greta Goosen saying that my claims profile has been assessed and that I need to take corrective steps to improve it or it would be cancelled or my excess / premiums would increase. It's one thing to increase my premium or excess, it's another thing to threaten to cancel my insurance. When I received the letter I tried taking it further but was told basically that I should be grateful that MiWay at least sent that letter because most insurers would simply just cancel and that I must refer to the terms and conditions. I have just read through my policy documents and see nothing that mentions the amount of times I am able to claim. You agreed to provide a service to protect valuable things I own in the event of accident or loss. I pay for that service and have used the agreed upon services when it was required and I am now penalised for doing so. As you can see I have insured multiple items which means that there was also more chance for more accident or loss incidents to occur. A good example would be my medical aid provider: they offer a service and specific benefits; I pay for said service and they honour their service agreement and do not threaten me if I use any or all of the benefits. Just to repeat that, they honour the services they agreed to provide without threatening me for using those services.

You have put me in a position and I have lost the respect and trust I previously had for MiWay. I am paying for a service every month and am now held hostage to the point that if something happens to one of my valuables I am unable to claim. This is a bullying tactic on your part. I don't see anywhere in the documents that there is a limit to how often I can claim and I do not think that I have claimed to such a point that this treatment is fair. 3 claims were for a locksmith. 1 for an electrician. YOU offer these services. I have not abused them. I have claimed in the event of loss or accident. How is this acceptable MiWay?