MVIA

<div>I'm penning this rather long review to warn the consumer to stay away from MVIA INSURE. I have a Service Plan and Mechanical Warranty Plan and to claim for anything is always a test of one’s patience.

Last November my car was due for a service. I received authorisation from MVIA to take the car to a workshop of my choice. The workshop provided a quotation as to which components needed to be replaced(spark plugs, filters, etc). MVIA rejected the workshop’s quotation authorising an oil service only. The 1st red flag. I paid for one of the filters out of my pocket. Fast forward to February of this year. The oil pressure warning light on my Citroen C4 illuminated with a warning to stop the car immediately and have it repaired. I contacted MVIA who advised me to take the car to an RMI-Approved workshop for a diagnostic test and technical report. I took my car to a workshop that found an oil leak but they were unable to detect where on the engine the oil leak originated from as there were no visible indicators(no smoke or oil stains on the driveway etc). MVIA was informed by the workshop that my car should go to Citroen for a strip and quote to determine the issue. This is essentially where my nightmare began. I took the car to Citroen on the 9th of February where they provided a quotation for strip and quote which MVIA rejected as they only cover R4000. I authorised Citroen to go ahead and send the engine to the engineers to determine the problem. Weeks went by and on the 8th of March Citroen provided the report from the engineers that the engine required an overhaul. Merely four days later MVIA rejected the claim citing “NO MECHANICAL FAILURE”, “PRE-EXISTING ISSUES”, “WEAR & TEAR” and WORN-OUT COMPONENTS, without having sent their assessor to do due diligence. The assessor was only sent AFTER I lodged a dispute. An investigation was launched and it's been ongoing with emails being sent back and forth. Their investigation “apparently” concluded and they stand by the rejection of my claim, but they offered me a laughable “goodwill offer” of R30 000 towards the repairs of R107 000. As per MVIA the policy I purchased “Is designed to provide financial aid towards the cost of sudden and unforeseen failure (cracked or broken into pieces) towards specific listed components only not exceeding the benefit limits and subject to the specific terms and conditions” and “A used vehicle mechanical breakdown policy is NOT designed to place the vehicle nor the vehicle owner in a better position prior to an alleged sudden and unforeseen failure(cracked or broken into pieces)”. Was I meant to continue driving my car until the engine blew up? Even with the warning to stop driving??

It is clear that the mechanical warranty product is designed to leave the consumer out of pocket and to enrich MVIA. I requested MVIA to at least meet me halfway with the repairs instead they suggested I have my car towed to an RMI-approved repairer to fix some of the components at a lower cost and not as per Citroen’s recommendation.

The matter is being investigated by the NFO (National Financial Ombud Scheme) and I'm hoping for a positive outcome. My vehicle is still at Citroen and I continue to fork out cash to get to work. I've spent close to R9000 since February.

Please stay away from MVIA. They are unprofessional and in my opinion, a ******** organisation who is getting rich by *********** hard-working, unsuspecting consumers.

I was advised just last week that the “investigation continues” as they now have to listen to the call recordings of the day I purchased the policy. Why???

STAY AWAY FROM MVIA!!!! They don't deserve that one star.</div>