MiWay to Hell

I've had a claim rejected from Miway insurance on grounds which I believe are unwarranted. My car got broken in to and they stole my laptop which was completely hidden under the seat of my Suzuki Jimny. The assessor’s images show that a small portion of the bag was slightly exposed. These photos were, however, taken in the morning with direct sunlight shining into the vehicle, thereby negating the effects of the dark tinted anti-smash and grab. These conditions were definitely not those experienced in the poorly lit underground parking lot on the evening of the incident.

I replicated the corrected conditions which prove that the car was so poorly lit that there was absolutely no indication that anything was present within the vehicle. Their grounds for rejection are further nullified based on the surveillance footage.

The final point that I would like to raise, is that MiWay should have informed me, when I insured my Suzuki Jimny, that none of the contents would be covered due to a lack of a boot, something MiWay failed to do. A parcel shelf isn't even an optional extra from the dealership.

Based on the evidence provided, the object was clearly not visible under the actual conditions experienced on the night of the incident and I therefore believe the rejection is unwarranted.

I have given all the facts to the Dispute Resolution Officer, Hlubi Mehlomakhulu, and then escalated the dispute to Candice Bergh, the team leader for Miway Dispute Resolution, which despite a generic confirmation of receipt of my email and numerous attempts to contact her, I've had no response in nearly 2 weeks!