Claim number: T379336

Motorite/Motovantage/SMART is a ****, they go all out to make sure they don't pay their claims, I would give them 0 stars if there was such.

Pre-lockdown early March 2020 I got scratches on my rear bumper, called their claims department, and they gave me a link to do the claim process and uploading the photos of the damage. No feedback or trace of the claim from their side. Then hard lockdown happened and months pass. fast forward to December 2020, my front bumper got scratched and I called them again, I stated that I submitted a claim for the rare bumper earlier in the year but nothing happened and now I'm claiming for the front bumper, but this time around I asked the lady to process the claim over the phone since the online claim process failed with the first claim regarding the rare bumper. I sent images of the bumpers to their WhatsApp number.

According to their processes (at least from what the lady explained) their mobile team was supposed to come to my location to attempt to fix it if they can't fix it Automagic will. I received an SMS stating that my assessment has been updated, I called a day later, then they told me the claim was rejected because it was above the covered amount of R4500, and that I should get quotes from different panel beaters. The obvious happed that those quotes were also above the covered amount. I decided to send them a quote for just the front bumper and cover the rare bumper from my own pocket but they still request the quote with the rare bumper knowing that it will exceed the covered amount. Telling me I should read the wording on my policy.

I understand that they can only pay a maximum amount of R4500 per claim, while I cannot cover the full amount required by the panel beater but I can pay for one component from my pocket, and they pay for one that doesn't exceed R4500, they don't want that option, they ignore the fact that I made a claim for the first rare bumper in March 2020 which nothing came out of it and made the second claim for the front bumper and rare bumper(first claim scratches) now because I'm actively following up they refuse to pay. I'm escalating this to the ombudsman.

I was thinking of taking mechanical cover with them...I guess not. I'm stuck with the scratch & dent cover and their Tyre and rim cover which is just as useless considering that I have replaced 3 tyres from my pocket already.