MOMENTUM INSURE

I was exposed to the natural hailstorm catastrophe, Johannesburg November, 2023. I reported the incident to the insurance company first thing the following day. I was advised to book the car for assessment, and they also assisted with such. The report came back, and I was informed that the total cost to repair the hailstorm multiple body dents, the windscreen, car handle, etc., would be +R76 000, and a courtesy car for 20 days. Everything was well organized including the service provider to fix the car. Later, I was informed that the total cost will be subject to their internal policies that include underwriting. NB: This policy has been operational for more than a year now. IN ESSENCE, THIS WAS A RETROSPECTIVE UNDERWRITING. TO NOTE: I disclosed everything to the insurance company. They kept asking for information that was previously disclosed. THE RETROSPECTIVE UNDERWRITING RESULTED IN A +30% CUT ON THE TOTAL COST OF REPAIRS. THE COMPREHENSIVE, HOUSE, HOUSEHOLD AND CAR POLICY WAS CANCELLED WITH IMMEDIATE EFFECT (I.E. END DECEMBER 2023) CITING THAT I AM A MULTICLAIMANT. What the hell is that? Where have you ever heard of retrospective underwriting? I had no exclusions nor waiting period on this policy. THIS IS THE WORST INSURANCE COMPANY I HAVE EVER CONTRACTED WITH. THEY MISREPRESENTED THEIR PRODUCTS TO GET NEW CLIENTS AND NOT THERE WHEN YOU NEED THEM MOST. My car is still not fixed. I would not encourage anyone to join this insurance company unless you have money to pay for hidden exclusions. I have previous claims that were paid in full on this policy cover with no hassles...... why now? I am privy to the fact that Momentum decided to forgo underwriting at the time when I joined, as they were taking over Alexander Forbes clients. The underwriting should have been done prior sign on so that I could make an informed decision. I would like to hear from other disgruntled policy holders. Please advise the best insurance cover to enroll on.