Read this before signing up with MVIA Insurance please

I regret not reading reviews about MVIA Insure before entering into a contract with them. My experience has been marked by very poor client service. When I contacted them to cancel my policy, they showed no interest in understanding my reasons. Although the first representative asked me why, they made no effort to genuinely hear or address my concerns, as they had to transfer me to the collection department before I gave them the whole story.

I initially purchased a policy covering three services: the first at 105,000, the second at 120,000, and the third at 150,000. According to the terms, I was eligible to claim after making four payments with a 30-day grace period. However, due to unforeseen circumstances, I submitted my first claim just over 60 days after the payments. Despite multiple email exchanges to clarify what I needed to pay, I was told the calculation would only be done at the claim stage.

I was then given two options:

Service the vehicle immediately and incur a service penalty as per the policy terms and conditions. Wait until the 120,000 service or after making 12 payments, whichever came first, to avoid the penalty. I chose the first option. However, after my car had already been at the mechanic for two days—causing significant inconvenience—I received the quote and was shocked to find that I had to pay approximately 70% of the cost. This was unexpected, as I anticipated paying less than 30% based on my understanding of the policy.

Feeling cornered and unable to avoid further penalties, I paid the amount and decided to follow up with the company afterward. Only then was it clarified that the penalty app**** to the 120,000 service, not the 105,000 service, despite my vehicle having a mileage of approximately 108,000. Why would I pay to be penalized for a future service?

This experience has been incredibly frustrating and disappointing. I cannot, in good conscience, recommend MVIA Insure to anyone. Proceed with caution if you consider this company.