Shady dealings. Poor Service

I am highly disappointed at Momentum for the shady manner they handled my recent claim. While on holiday in Dbn with my family recently. Our car was broken into and various items including luggage was ******. Unfortunately for us as confirmed by police, it was Car Jamming that resulted in theft and loss.

Momentum first acknowledged and asked for various photos, details about the incident. Yes, the agent was professional and sympathetic. We had to wait a while for the police report and my family was back in Gauteng. A few weeks later I was told in writing that the claim was authorised. However, telephonically the agent informed me it was declined. Reasons given: 1 No visible forced entry into the car. (How should I ask or choose what ********* do when committing theft) 2 Household goods were not at risk address. (I wonder how we should travel without luggage).

None of these are listed as exclusion on policy cover. Instead Momentum has offered us a consolation amount which does cover our losses. I was informed, it is some courtesy compensation. Yet claim is declined. Now we must see to finish about the losses. Car jamming is a serious crime not just in S.A but everywhere. I am dissapointed at Momentum and their response. With all their Intel and resources, they don't recognise such theft. What was the point of entertaining our claim initially if this kind of loss is not acknowledged. Really dissapointed and devastated. They chose to look for reasons not to compensate instead of assisting their client.