Why do I have insurance?

Hi my name is Bahle. I have had a cover by Miway for the last 3 years and recently added my business vehicle to the cover. I have never submitted a claim. On Monday the 22 January my business vehicle was broken into and all my contents and work equipment were ******. I immediately contacted insurance and was informed to report the incident to SAPS. I followed all procedures required and subsequently submitted my claim hoping to be sorted and back to work in a few days since im self employed.

On submission of the claim the first thing im told is that it would be cheaper to fix the damage myself because Miway will NOT cover my ****** property. Im shocked to discovered this because I clearly recall informing Miway that this particular vehicle would be used for Professional /business use and OBVIOUSLY my equipment/instruments/devices etc would need to be covered as well. Now all of a sudden the cover only covers the vehicle? I immediately inform the agent that this is NOT what I was sold over the phone. Firstly my business vehicle was covered under OUTSURANCE BUSINESS prior to Miway and I was eluded to believe that the covers were the same with MIWAY being the cheaper option MIWAY even jumped at the opportunity to go and cancel my cover with OUTSURANCE to make my life easier, Secondly why would I request insurance for a BUSINESS vehicle that does NOT cover the goods and contents inside the vehicle?? Thirdly if this is true how do you sell a client cover that does not work in the clients best interests?

I immediately disputed this and I was informed that since all calls are recorded they will find the record and validate my claim. Surely a big insurance company such as Miway can retrieve recording within 48hrs?? PLEASE NOTE :That was on MONDAY. TODAY IS THURSDAY. I have not received the recordings or ANY information pertaining to my claim. Instead now i have to waste airtime calling into their call centre and chasing after them. I INFORMED the agent that with the current damage on the cars door locking mechanism IT DOES NOT LOCK and it poses a threat to my safety (my life) and the safety of my business/livelihood. MIWAY informed me that its fine as long as I informed them. Now how comforting, just because I told you and you are aware I can now relax with my Car door not locking securely? ARE you serious!

Three days later, im still driving around the vehicle with a broken lock, my stuff has not been replaced, all my other stuff including the vehicle and my life are now at RISK, NOBODY has assessed the damage to the vehicle, Miway is continuing with business as usual while I have to make means to pay their premiums at the END of the month. Great!

Is Miway a STATE OWNED ENTERPRISE owned and run by politicians, do you train employees to waste peoples TIME & Money, with No intention of paying back? When i pay for insurance I pay for Peace of Mind not this type of Nonsense. Miway needs to stop playing with peoples lives!!! If a simple claim such as this takes a whole week to resolve perhaps look at a different business venture and leave the insurance field to experts. Its true you only know how good your insurance is when you put in a claim.

MIWAY is the worst, they only difference between Miway and the ********* that broke into my vehicle is the suit and tie.

I will be taking this further to ombudsmen and whether the outcome be good or bad I will be switching insurance companies and advicing anyone else thinking of taking Miway as their insurer to not waste their time or money.

Thanks for nothing Miway.