Miway is the worst car insurance company out there. Be warned!

<p>MiWay is the worst Insurance company in south Africa. Beware all you vulnerable clients of MiWay. Let me share my worst experience.</p> <p> </p> <p>On the 27th of February 2017, I called Miway requesting them to ADD my son as an additional driver to which Refilwe from Miway advised that MiWay does not cater for that option. Refilwe asked if my son will be the regular driver to which my response was as follows: "My son is in Matric and they are not allowed cars at school. Instead, I shall be driving with him to school, drop him off then I head to work with my car” During the said telephone conversation, I then requested they reduce my premiums from the proposed 2017 increase to which they accepted especially seeing that my car is not brand new. Refilwe then advised I should call Miway and add my son as an additional driver the day I feel the ownership has changed hands. My response was, "Only upon the child turning 21yrs only". . (Palesa Morithi and Mandisa Xulu both from MiWay confirmed they have listened to my telephone recordings to this effect)."</p> <p> </p> <p>While on the same telephone call, Refilwe reminded me that in a weeks time I will be smiling as I receive Mirewards CashBack for a 3 year claim free policy. Indeed Miway paid me back R310 in February 2017 which was quite exciting. Before the conversation ended, Refilwe requested me to rate MiWay on HelloPeter. I gladly accepted and rated MiWay with a star rating of 5 as I felt it was well deserved.</p> <p><br />Miway DOES NOT DESERVE THE 5 STAR rating and hence am retracting this rating on Hellopeter. I cannot afford to mislead the general public. Please take time and read my frustration below then try and reason with me especially MiWay clients with teenagers.</p> <p> </p> <p>My son received his national driver’s licence in March 2017. If am not running late for work, my son will drive to school while I sit as a passenger. Upon arriving school, I take my car and off to work I go. Bear in mind, I was upfront and extremely honest to call MiWay in February 2017 to have my child added as a second driver but I was told NO. As a result, I have an OPEN DRIVER POLICY.</p> <p><br />On the 25th of May 2017, five minutes from my house while going to fetch pizza and am home offsick, my son had a minor accident with another car. The true colours of MiWay came out. It has been hell since then. Be patient and keep reading if you dont want to fall prey.</p> <p><br />On the 9th of June 2017, after waiting for the Assessors report, I tried to get hold of Darren from Miway who was assigned to my claim. I ended up speaking to Seipati Ngake who said my car is a writeoff. I then requested the assessors report because I found it strange and shocking how a damaged bumper and bonnet can declare my car writeoff yet the Airbags, windscreen and headlights are all intact and never affected in the accident. Perfect condition as they were before.</p> <p><br />Seipati, a very professional employee, advised me on two options: Salvage or Writeoff. She then elaborated further and said: Should I chose Salvage, I will receive R20,234.00 and I can fix the car myself considering the AirBags are still intact. Should I chose writeoff, I will receive R58750. My request to Seipati was to give me time to speak to several panelbeaters for a second opinion. The weekend of the 9th of June, I took two panelbeaters to quote on the car and I was shocked when compared to the ridiculous assessors quote of 32,000</p> <p><br />Since then, I have been trying to get hold of Darren who never returns my calls and I have ended up calling and speaking to the various personnel at Miway namely: Lizane, Olga, Palesa, Bridget, Maureen. <br />As per Lizane and Darren, they indicated that Mandisa Xulu the claims manager has decided to impose a 63% penalty on my claim because she telephonically interviewed my sons classmates who confirmed that my son is a regular driver and I failed to inform Miway. The interview took place secretly without I, the policy holder being made aware of. I immediately called Mandisa who played hide and seek and finally after 4 attempts, messages etc she finally answered my call.</p> <p><br />My questions to her were as follows: The students are right to say my son drives regularly because they see him drive me to school and then he jumps off and I disappear with my car. According to any teenager, that is a regular driver. Does that mean that the 18 year old kids understand the term “regular driver” as defined by MiWay? The school trip is less than 1 hour of driving. For a parent, this is the best practice I can give my child who is in possession of a valid Drivers Licence and not a learners either. Secondly, I told Mandisa that I called MiWay requesting an additional driver. She said yes, she heard the recordings but her decision is based on my sons friends interview because the risk has changed hands. Am now wondering if my sons friends were the ones servicing my premiums or are they the kids who recruited me to buy into Miway. How pathetic and evil of Mandisa, applying **** rules where they should not be, thinking she is dealing with an illerate policy holder.</p> <p>Thirdly, I asked her to call the school, call my office, check with my home address who is the regular driver and I must confess Mandisa was RUDE, ARROGANT and did not want to listen to me. Instead she told me she is sending me a settlement letter based on the “Outcome of my sons friends interview and she is not fact finding elsewhere”. I just fail to understand the merits used by MiWay to recruot Mandisa as a client representative. totally unqualified individual. </p> <p> </p> <p>She then kept insisting on sending me the so called settlement letter. I asked her what kind of a manager is she if she does not undertand the terms of a settlement letter. You cannot push a settlement letter down the other persons throat before both parties agree on the terms of the settlement. Her rude answer as usual was to tell me to address my problems with Disputes at Miway. Within seconds, she sends me an sms telling me to email Disputes. This is the highest don’t-care attitude vested in a poorly trained “manager”. Get ride of her asap! </p> <p><br />I called again and found Darren. I told him I shall go to Hellopeter and retract my rating of 5. Guess what: Darren is a junior employee and this was his response to me: “Please mum, kindly do not go to HelloPeter as yet. Let me try and speak to my manager Mandisa and see what we can do” . Truly and honestly, Darren is a Junior employee who understands the core of Customer Service including Seipati. On the other hand, Mandisa Xulu as a manager has no clue what is customer service and neither does she understand how to treat clients. She is useless and ****ing if not silently ******ing the Brand image of the company while receiving a fat salary in return. How ironic! Nothing is worse than poor customer service for any company big or small and this has become an international norm. The Customer is KING.</p> <p><br />My plea to the MD of Miway is to review his/her training strategy. The Junior employees are fully trained considering so far I have spoken to almost 10 of them, but his so called claims manager, Mandisa deserves a DEMOTION and promotion to junior employees who nature the ethics of the company. What is the point of having the public rate Miway service after every phone call if this is the rotten attitude we receive when we hope that escalation at managerial level, will be amicably resolved? At management level with the likes of Mandisa, is where your business is being ****ed. Miway needs us, the public, the customer who is king to invest in you considering there are plenty of your competitors out there willing to treat us with childs gloves.</p> <p><br />It was not my intention to revert to Hellopeter but Mandisa left me with no choice despite Darren pleading with me. Instead she has avoided me like a plague not caring how we get around yet my premiums never failed at any given month and I have been upfront with Miway from inception. </p> <p> IS THIS WHAT MIWAY PRIDES ITSELF IN? DOING THINGS MY WAY? ITS DOING THINGS YOUR WAY WHILE I PAY YOU MONTHLY REMIUMS FOR THAT. </p> <p> </p> <p>It is my mission to ensure I publicly make known my frustration at EVERY SOCIAL media out there to prevent other parents from falling prey to this **** of *********** innocent clients. I have suffered enough since the 25th of May while you do things YourWay instead of MiWay! </p>