Terrible Insurance

I have experienced the worst service with Momentum Insure (MI), which I am fuming where I am. I submitted a claim for my fridge due to power surge, as my fridge was working fine prior to power cut. MI (Rinae Tshikovhi) rejected my claim and said its ‘wear-and-tear’ I then disputed to their claims operations (Ntakadzeni Netshisaulu – terrible service) who provided a different reason and said its ‘Mechanical, electrical or electronic breakdown, defect or failure’ which a power surge can cause this to happen. The wording on MI policy is subject to interpretation, they will put your claim under general exclusion with an intention not to cover your claim. I would have understood if they covered a portion and asked me to pay access. MI insurance is not reasonable, don’t be deceived by their premium, there’s a catch. Regarding the referral, they promised to pay R1k to your multiply money as I moved my parents’ two cars to MI. And they also promised to give 50 points to multiply when you take one of their products, to date I haven’t received none of the above. So I am not happy with MI at all, I regret switching to MI.