OM Insure Terms and Conditions

Would like to inform others of my experience with a motor accident claim as I have a feeling that this may not work out in my favor. Over the past weekend, i made an accident that badly damaged my car, all cosmetic damaged and 100% my own fault. no other parties were involved in the accident and the wall had only scars of my plastic bumper to remember me by.

Monday morning I phoned OM Insures claims number and was pleasantly surprised by how helpful the consultant and the entire process was fairly quick and not tedious at all. She advised me of several repair shops in my area and I took the car to the closest one for assessment. I also revived a claims acknowledgment email with direct phone numbers to call for further queries.

The repair quote was sent to me and I forwarded it to the consultant's email. this was all done on Monday. Tuesday the consultants responded to the mail from the repair shop stating that they should upload it to Abuntex, and then later on they asked for a copy of my driver's license card which I sent.

Tuesday afternoon I phoned the landline number of the consultant but she was not available, another consultant spoke to me, and she noted that my license card was expired and that because of this my claim will be put on hold.

Wednesday (today) I spent the most part of the day at the licensing department to get a temporary license since as I have app**** for a PDP the process is more involved and there is a 10-day verification process needed prior to issuing of temporary licenses.

I understand if the expired card may have an impact on the excess payable, as there are provisions stated for a person driving without a license. My license has not been revoked or withdrawn just the card with my details on has expired. I don't understand how my claim is put on hold as a result of an expired license card. Having a temporary license now will not change the facts of the accident or the repairs required to my car.

Thus far I have lived up to my responsibility and paid faithfully toward the coverage you stipulated. I hold Old Mutual in very high regard and have never been let down by them, I sincerely hope that this won't be the first time.

I will update my experience as the process continues

Regards Francois