Terrible Service

When it comes to Miway Insurance I like that they send me sms' with a hail alert to move my vehicle to safety, but when it comes to processing a claim, you are better off with another insurer. I had to log a claim for damage (locking mechanism) to my vehicle and items ****** from vehicle (Spare wheel, jack, wheel spanner, tow hook, emergency roadside kit). I logged claim on 29 October 2024, and received confirmation of payment of the claim today, 06 December 2024 after sending them photos with all the proof of damage and missing items, along with a repair quote from the dealership on 29 October 2024. Since this time I had to submit more photos on the Miway app which were then used for a virtual assessment and then subsequently had my claim withdrawn from Miway’s side because the estimated repair costs for the minor dings, dents and scratches that they could see on the virtual assessment amounted to less than my excess amount. Yet Miway did not consider that I was claiming for repairs to the vehicle locking mechanisms and for ****** items essential to the vehicle’s functionality. After a lot of phone calls to Miway asking for feedback and the Claims Advisor saying that they are waiting for the signed "Disclaimer Letter" (which she only sent after me asking when payment would be made, after receiving the claim authorization) from me, I finally received confirmation of payment today, which unfortunately does not leave me with enough time to get my vehicle repaired in time for my planned holiday. Still have not spoken a single word to the Claims Advisor over the phone.