Unfair and ********* services rendered

I really don't like giving bad reviews and always give the benefit of the doubt but sharing this experience may help another consumer save their hard earned money and precious time. The sales representative convinced me to sign up with a full comprehensive vehicle insurance and I've been covered with them for nearly 2 years but this was my experience with MiWay when I needed there service and it's absolutely appalling.

On the 27th December 2020 I was involved in an accident on the N1 towards Milnerton by accidently driving over something that I could not avoid in time on the highway. I heard a loud bang and immediately pulled over when it was safe to do so. I noticed lots of smoke coming from my engine bay. I got out of the vehicle and stayed clear for my own safety because I wasn't sure if the vehicle started catching fire. I called my insurance "MiWay" to tow the vehicle away.

MiWay advised me to take pictures of the damages to speed up the claim process, which I have done and I haven't heard of them again.I phoned them for an update on the claim process, they then advised me that they will send their assessor: Gavin Parker to assess damages for a final report.

They deemed the vehicle uneconomical to repair and advised me to have them tow my vehicle to their salvage yard and I should post my registration papers and spare keys to them via Postnet. I called MiWay every 2nd day at my own expense for an update. I've been liasing with Joseph, Kwena, Bridget Matlatla and Phule, because they neglected to contact me to keep me up to date with the proceedings. They told me that they were busy with the last process of the claim and my vehicle has been stocked in their salvage inventory and confirmed that they received my vehicle registration documents and spare keys. Since this took place they advised me to rent a vehicle for 10 days on the 13th January 2021. The 10 days has expired now and I have returned the rental vehicle. I phoned them again on 25th January 2021 because now I'm stranded without transport. My call was transfered to a new claims assessor Cidelia Barker, she told me "Sir, I think you have been driving with this damaged vehicle for a while until the engine blew up". I find this very insulting because it makes me sound like I'm a ****, now they appointed another assessor outsourced and not affiliated with MiWay to assess the damage (possibly leaves room for a convenient assessment to be within the MiWay's favor hence the second assessment.

This all cost me me as a consumer unnecessary time, money, interfering with my work and stressing me out because I have to source other ways of transport due to their incompetence. Another 2 weeks has passed and I am notified by Cidelia Barker that she has to listen to all my calls I made to MiWay causing more delay and creating more inconvenience for me, I phoned so many times for updates which was all lies and deceit. Then I get phone calls during the most inconvenient times for erralevant questions like, "did see what was in the road", Why would I get out my vehicle on the N1 highway to check what damaged my vehicle.. my experience with MiWay is nothing like its stated in the ads "hassle free insurance".

Eventually I'm phoned again by another consultant Itumeleng Machogo telling me that he checked the calls and he says I called in for a breakdown and not an accident so therefore based on he's recommendation the claim will be rejected and I'm liable for tow services to collect my vehicle and more fees to release my vehicle from their salvage yard. As a consumer I feel insulted, harassed and interrogated, I regret signing up with MiWay and wouldn't want another person to experience what I have. So think twice before signing up with MiWay because they do insurance their way and not your way.