1 reviews | Active since Apr 2018
Be ware of motorite clauses in underwriting
I service my car at more than regular intervals if something sounds a little off I take my baby to have it looked at.
To say the least, I am rather anal with my car. Because I bought a 2008 model Mini Cooper S Clubman I thought it wise to buy a Motorwrite policy to cover me in the event of anything major. A light for the turbo appeared on my dash and we immediately took action. Keep in mind that prior to this light coming on it was in perfect running order having replaced a oil seal just 2 weeks prior.
We called Motorite to find out what procedure was and we were told to take it to the dealer for a diagnostic test to and after the dealer will contact them to liaise. Great right........ Turns out not so great. The diagnostic they wanted to be done is also something they don't pay for. Something that was also neglected to tell me with the first call.
Well, that rainy day came nearly a year after I bought my car and a quote was generated by the dealer for repairs to the value of R43000.00. In my view that is major. (Keep in mind I paid R150 000.00 for my car bringing the cost to nearly a third of the value i paid for ) Ok, so it was submitted to Motowrite and surprise surprise.
Whilst most of the parts that were needed was covered it was not covered all at once. So what I understand is if it was just the turbo that would be fine but because it was more than just that only one part would be covered and at their discretion. turns out they paid around R6875.00 of the claim leaving me with the balance. In my view is sly underwriting and not at all what I expected. What happens when you snap a conrod and smack the head?
Only one or the other will be paid. To run a motor is an event of chain reactions that fit very snugly into each other how for the love of all that is holy can you differentiate like this and given this how can you tell me that I have cover to the value of R100 000.00 no one part of the labour can ever cost that. No, I feel done in and taken for a ride by these guys why not explain it like that when the policy is sold. It clearly is underwritten to ***** the consumer and only enrich the insurance company.
Keep in mind you have to keep your car in good order as any failure to keep it in good nick can and will result in you also having no claim.
Apon purchasing this vehicle I bought this policy and a top up policy on the motor and now I am being told that you will only cover around R6874.56 of the R43871.59. I can understand that you won't pay for certain items but the bulk of the bill is being passed over. We called in and was told to take the car to the dealer and they must do a diagnostic test and then call you the rest will be handles. Now you won't pay for the diagnostic test as well, this was done as per your instruction? This policy it endorsed by MFC and I was assured that it will cover everything other than things like CV joints and wheel bearings, oil, fuel and Tyres, etcetera that is for my account but major issues with the engine would be covered.
I did everything in my power to make sure that with a major break I would be covered and yet here I find myself with the bill that exceeds 1 third of the value of my vehicle. I had my vehicle serviced and kept in good running order taking it to the mechanical workshop with even small issues that looked suspicious.
See below and beware of this when you purchase a policy like this to not be caught in the same trap I was caught in myself. I am extremely unhappy about the whole situation and find it wholly unacceptable. I, unfortunately, spoke to some other consumers that had much the same experience it seems to be a trend and one I won't be caught in again.
"Good Afternoon,
Please take note that this warranty is a parts basket warranty and not unlimited cover. Furthermore, as the vehicle is a 2008 model, it qualifies for benefit 4 as per the attached policy wording and the claim has been administered according to the policy wording and the terms and conditions.
Regrettably, the items mentioned in the authorization letter, which are not covered, was unfortunately rejected due to the following reasons:
1. Turbo , Fuel Pump And Vacuum Pump Rejected For More Than One Failure
page:8 clause: Important
Important Notes: More Than One Failure At The Same Time In The Event That Two Separate Components From Two Separate Component Categories Fail Simultaneously, The Component With The Highest Cost (more Expensive Component Failure) Will Be Covered Up To The Maximum Benefit Limit As Stated In The Limits Of Liability Table Or To The Quoted Cost Of The Repair (whichever Is The Lesser). Only One Component Per Claim Will Be Entertained. We Shall, At Our Discretion, Apply The MaxLimit Clause, As Per The Limits Of Liability For The Covered Component. Repairs To The Remaining Failed Part(s) Will Be For Your Own Account Should MaxLimit Not Be Allowed.
2. Diagnostics And Car Wash Not Covered
page:10 clause:24 para:h
(h) You Are Responsible For Paying The Administrator Or Manufacturer Approved Dealership Any Amount Over The Approved Amount, As Well As For Any Other Dealership Charges For Which We Are Not Liable;
3. Sump Seal And Tappet Cover Seal Not Covered
page:9 clause:20 para:b
(b) Services, Maintenance Items, Seals, Oil Leaks, Cambelt Replacement, Drive Shaft Boots And Drive Shaft Failure As A Result Of Worn Or Damaged Boots Or Covers, Brake And Clutch Friction Surfaces, V-belts, Fan Belts And Auxi****y Equipment;
4. Service Items Not Covered
page:9 clause:20 para:b
(b) Services, Maintenance Items, Seals, Oil Leaks, Cambelt Replacement, Drive Shaft Boots And Drive Shaft Failure As A Result Of Worn Or Damaged Boots Or Covers, Brake And Clutch Friction Surfaces, V-belts, Fan Belts And Auxi****y Equipment;
5. Wiper Blades Not Covered
page:9 clause:20 para:a
20 Items Not Covered By This Policy We Are Not Liable For: (a) All Parts Not Listed Under Parts Covered In Clause 19;
6. Consumables Not Covered
page:9 clause:20 para:c
(c) Replacement Or Repair Of All Service Items That Need Changing At Specific Or Regular Intervals. For Example: Oil, Grease, Filters, Hydraulic Fluid, Additives And Antifreeze, Spark Plugs, Points, Condenser And Consumables;
7. Pipes Not Covered
page:9 clause:20 para:q
(q) Replacement Or Repair Resulting From The Failure Of Hoses Or Pipes;
Please let us know should you have any further queries.
Kind regards, CS Support"
Dear Madam,
Motorite has reviewed your complaint and duly noted your comments – we wish to address your complaint as follows:
The product that forms the basis of this complaint is an Options Formula 1 mechanical breakdown warranty underwritten by Infiniti Insurance Ltd. of which Motorite Administrators (Pty) Ltd. act as the appointed claims administrator. The policy provides cover for the failure of specified mechanical and electrical components subject to the policy terms and conditions being adhered to whereby the applicable limits of liability apply. The policy incepted on the 20/10/2016 at 95 200 km and runs for a period of 2 years.
The sale of this product was facilitated through a mandated intermediary whereby Motorite was not present at point of sale and therefore regrettably cannot validate any sales discussions held at that point. We have noted that as per the signed copy of contract it would appear that the relevant policy terms and conditions were duly issued to you at point of sale.
The claim in contention was logged with Motorite on the 13/12/2017 at 106 304 km by SMG Tygervalley (PTY) LTD. The repairer reported that the vehicle came in for a turbo repair and required replacement thereof. The normal claims procedure was followed whereby we requested the vehicles service record, written failure report and quotation.
Upon receipt of the requested documents – Motorite proceeded to approve the claim for the valve operating mechanism for the quoted amount of R 4 305.65 VAT inclusive, the timing chain for the quoted amount of R 2 133.05 VAT inclusive and the lubricants and fluids for the quoted amount of R 420.15 VAT inclusive.
Furthermore, Motorite proceeded to reject the following components, in accordance with the policy wording:
Turbo, fuel pump and vacuum pump
Important notes:
More than one failure at the same time
In the event that two separate components from two separate component categories fail simultaneously, the component with the highest cost (more expensive component failure) will be covered up to the maximum benefit limit as stated in the Limits of Liability Table or to the quoted cost of the repair (whichever is the lesser). Only one component per claim will be entertained. We shall, at our discretion, apply the MaxLimit Clause, as per the limits of liability for the covered component. Repairs to the remaining failed part(s) will be for your own account should MaxLimit not be allowed.
Car Wash and diagnostics
Procedure if the vehicle breaks down
(h) You are responsible for paying the Administrator or Manufacturer Approved Dealership any amount over the approved amount, as well as for any other dealership charges for which we are not liable;
Windscreen Wiper Blades
Items not covered by this Policy
We are not liable for:
(a) All parts not listed under Parts Covered in Clause 17;
service Items, sump seal and tappet cover seal
Items not covered by this Policy
We are not liable for:
(b) Services, maintenance items, seals, oil leaks, cambelt replacement, drive shaft boots and drive shaft failure as a result of worn or damaged boots or covers, brake and clutch friction surfaces, burnt valves, V-belts, fan belts and auxi****y equipment;
Consumables
Items not covered by this Policy
We are not liable for:
(c) Replacement or repair of all service items that need changing at specific or regular intervals. For example: oil, grease, filters, hydraulic fluid, additives and antifreeze, spark plugs, points, condenser and consumables
Pipes
(q) Replacement or repair resulting from the failure of hoses or pipes;
Motorite are under obligation to administer all claims in accordance with the policy terms and conditions as set out by the insurer.
In view of the matter - Motorite remains of the opinion that your claim was administered correctly, in line with the policy terms and conditions. Should you not be satisfied with the outcome herein, you are at liberty to seek further recourse through the office of the Insurer or The Short Term Insurance Ombudsman, their details are as follows:
Please find the details of Insurer below:
Details of the insurer : Infiniti Insurance Limited
Contact Person : Robert Masia
Contact Number : ***
E mail contact : ***
Fax number : ***
Particulars of the Short-Term Insurance Ombudsman, who is available to advise you in the event of any claim disputes which are not satisfactorily resolved by the intermediary, the Administrator and / or the insurer:
Easy Contact number : ***/ 0860 OMBUDS
Contact number : ***
Fax number : ***
Postal Address : P. O. Box 32334, Braamfontein, 2017
Kind Regards
Dear Madam,
Motorite has reviewed your complaint and duly noted your comments – we wish to address your complaint as follows:
The product that forms the basis of this complaint is an Options Formula 1 mechanical breakdown warranty underwritten by Infiniti Insurance Ltd. of which Motorite Administrators (Pty) Ltd. act as the appointed claims administrator. The policy provides cover for the failure of specified mechanical and electrical components subject to the policy terms and conditions being adhered to whereby the applicable limits of liability apply. The policy incepted on the 20/10/2016 at 95 200 km and runs for a period of 2 years.
The sale of this product was facilitated through a mandated intermediary whereby Motorite was not present at point of sale and therefore regrettably cannot validate any sales discussions held at that point. We have noted that as per the signed copy of contract it would appear that the relevant policy terms and conditions were duly issued to you at point of sale.
The claim in contention was logged with Motorite on the 13/12/2017 at 106 304 km by SMG Tygervalley (PTY) LTD. The repairer reported that the vehicle came in for a turbo repair and required replacement thereof. The normal claims procedure was followed whereby we requested the vehicles service record, written failure report and quotation.
Upon receipt of the requested documents – Motorite proceeded to approve the claim for the valve operating mechanism for the quoted amount of R 4 305.65 VAT inclusive, the timing chain for the quoted amount of R 2 133.05 VAT inclusive and the lubricants and fluids for the quoted amount of R 420.15 VAT inclusive.
Furthermore, Motorite proceeded to reject the following components, in accordance with the policy wording:
Turbo, fuel pump and vacuum pump
Important notes:
More than one failure at the same time
In the event that two separate components from two separate component categories fail simultaneously, the component with the highest cost (more expensive component failure) will be covered up to the maximum benefit limit as stated in the Limits of Liability Table or to the quoted cost of the repair (whichever is the lesser). Only one component per claim will be entertained. We shall, at our discretion, apply the MaxLimit Clause, as per the limits of liability for the covered component. Repairs to the remaining failed part(s) will be for your own account should MaxLimit not be allowed.
Car Wash and diagnostics
Procedure if the vehicle breaks down
(h) You are responsible for paying the Administrator or Manufacturer Approved Dealership any amount over the approved amount, as well as for any other dealership charges for which we are not liable;
Windscreen Wiper Blades
Items not covered by this Policy
We are not liable for:
(a) All parts not listed under Parts Covered in Clause 17;
service Items, sump seal and tappet cover seal
Items not covered by this Policy
We are not liable for:
(b) Services, maintenance items, seals, oil leaks, cambelt replacement, drive shaft boots and drive shaft failure as a result of worn or damaged boots or covers, brake and clutch friction surfaces, burnt valves, V-belts, fan belts and auxi****y equipment;
Consumables
Items not covered by this Policy
We are not liable for:
(c) Replacement or repair of all service items that need changing at specific or regular intervals. For example: oil, grease, filters, hydraulic fluid, additives and antifreeze, spark plugs, points, condenser and consumables
Pipes
(q) Replacement or repair resulting from the failure of hoses or pipes;
Motorite are under obligation to administer all claims in accordance with the policy terms and conditions as set out by the insurer.
In view of the matter - Motorite remains of the opinion that your claim was administered correctly, in line with the policy terms and conditions. Should you not be satisfied with the outcome herein, you are at liberty to seek further recourse through the office of the Insurer or The Short Term Insurance Ombudsman, their details are as follows:
Please find the details of Insurer below:
Details of the insurer : Infiniti Insurance Limited
Contact Person : Robert Masia
Contact Number : ***
E mail contact : ***
Fax number : ***
Particulars of the Short-Term Insurance Ombudsman, who is available to advise you in the event of any claim disputes which are not satisfactorily resolved by the intermediary, the Administrator and / or the insurer:
Easy Contact number : ***/ 0860 OMBUDS
Contact number : ***
Fax number : ***
Postal Address : P. O. Box 32334, Braamfontein, 2017
Kind Regards