Old mutual Failed house insurance

Bad bad service

Had house insurance through a broker by the name of frontline . Initially app**** for household content cover to the value of R420 000

I did not place the alarm with 24 hour response in as we have very good burglar bars and gates securing the windows and doors etc

Every year I received renewals of my insurance and in 2017 the household content cover went over R500 000 .

I have never received any changes to the insurance and when we had a incident on 6th august 2019 I was informed that the insurance has been declined because there was no alarm present .

When i went back to my renewal for 2019 . I then saw that indeed it states no alarm and 24 hour response .

After emailing my broker again . He then informed me that old mutual states that any household content cover over R500 000 must have a alarm and 24 hour monitoring response

So basically since 2017 where all my renewals stipulate that i have no alarm and paying the premium every month it was basically for nothing .

after my broker then pleaded with old mutual they have a nerve to tell me that they will approve everything besides the jewelry as it was not locked in a wall mounted safe

The clause clearly stipulates that any or jewelry over R5000 must be contained in a safe where 80% of my jewelry loss was under R5000 each .

Whats even more shocking is that my claim is not even a third of what im insured of

Just to put it out there . Please do not deal with old mutual . After our incident they still deducted money out of my account .

I have actually been very subtle about the matter and quite patient however I would not want any other customers to even come across this kind of service as its out right shocking .

I have laid a complaint with the ombudsman and osti and still awaiting a response .

I have now moved my house and vehicle insurance over to another company and advise all other customers to do the same