Momentum Insure's poor claims administration and Assistance

Momentum is one of the worst, if not the absolute worst, insurers you could encounter. If it were possible to give them zero stars, I would.

A few years ago, I was involved in an incident about 500 km from my home. It occurred on a Saturday night, and I couldn't get any help from Momentum because "The Claims department does not work on weekends." What would have happened if I didn’t have the resources to get myself to the hospital that day? !

- They finally arranged a rental car five days after the incident, but they only booked it for five days. Keep in mind, my car had to be towed back to be assessed by their assessor, towed back to Johannesburg, and then repaired. - On the fifth day with the rental vehicle, the car rental company wanted their car back. According to them, Momentum either indicated that I would return it at the point of collection (500 km away) or failed to indicate otherwise. Nonetheless, the rental company deducted money from my credit card for this. I had to fight this battle alone with the car rental company without any assistance from Momentum. - When they had to repair my car, they refused to repair some factory-fitted extras because they were not specified. I explained that their consultant had told me I did not need to specify them since they were not aftermarket extras. Again, I had to fight tooth and nail to get the extras repaired. - The vehicle was eventually repaired, but poorly. The panel beater did not repair my air conditioning unit, and I had to fix it at my own expense. After about a year, I had to replace my radiator cradle because the repair shop/panel beater did a poor job replacing it. This latent defect cost me several thousand rands. - About two years after the incident, I asked Momentum to review my premiums. They did so, but the consultant did not inform me that she would reduce my premium by cutting my coverage without my consent. - Three years after the incident, someone bumped into me and damaged my car. I arranged for Momentum to repair my car and recover the money from the other party’s insurance. Again, Momentum arranged a rental for only five days, even though I pay for 30 days of rental coverage, and expected me to return the rental and wait for them to return to the office on Monday.

If you are with Momentum, do yourself a favour and seek alternative insurance. If you are not with them, do yourself an even bigger favour and do not sign up with them.