Poor service / Helpless insurance 😣

My name is Siyanda Nqiwa I am writing this review on my cousin's phone as my phone was taken during my hijacking on Sunday at Mthatha in Slovo around 21:00.

Immediately after they took my car I rushed to the central police station to open case and also to call my car tracker (in the space of 30 minutes to 1 hour) my car was found in that same Slovo but the problem was only the car keys because they locked the car and run away with car keys THANK YOU TO CAR TRACKER IMMEDIATE RESPONSE!👌🏽

Now I asked MiWay to assist me on cutting a new key because I don't have any spare keys they say they only tow the car to their panel beaters for inspection and if they see any damages I will have to pay excess fee of R12000 and they will pay the difference of the damage then I asked them what if the damages are less than R12000 they said then I will have to pay it by myself.

I phoned lock Smith for their prices to open my car,change ignition and change door locks it's R6500 and my insurance cannot assist me even by a one cent on that and now they say they cannot tow my car to Lock Smith were they will program my car keys they will only take it to their panel beaters only! If it's going to Lock Smith I will pay it by myself😭 (my car is still at police station)

This is all new to my ears that if the damages are less than R12000 I am paying everything by myself I though I was going to pay a percent and a small percentage because I am paying them every month moss what's the use of having MiWay insurance if they cannot help me in this situation.

My number for now : ***