Incompetence galore when looking out for their paying client’s interests

Incompetence galore!! Insurance claim for someone rear ending us on a suburban road. Totally their fault with an admission of such. Had to pay the excess of R10,000 which was done by us (but surprised by it). Car fixed but excess not recovered from the offending party involved. Incident happened 4.12.2023. Up to date, Naked Inuirance’s legal team was incable of retrieving the excess amount from the third party and refunding it to us. No communication regarding the excess amount was EVER received from them. We always had to reach out first for feedback. EVERY SINGLE TIME!! Via email or telephonically. They are useless. It’s been a year plus of contacting them via email (this is their core niche for ease of use - but not for long) and receiving the same answer: It’s with our legal team. I actually called them in September 2024 and they said that it had just been given over to our legal team! Really? After 10 months? When I contacted them telephonically (because of the same feedback with no results) they didn’t give a turnaround time for addressing your issues, or given a call reference number to follow up with later. I mean, once you start contacting your insurance company to see how the case is developing, surely you’d like to follow up with that call ref no later because it’s now becoming a problem. BEST PART: Latest email i January 2025 asked for the NaTIS documentation in order to prove ownership. The vehicle is still under finance, therefore the NaTIS document is with the bank. How do you comprehend this?? Complete incompetence from Naked Insurance in retrieving their paying client’s money and then turning on the client by having to prove ownership? I’ve never missed a payment. Why can’t they support paying customers? I was so impressed at the beginning with efficient app, but the actual work to be done when there’s a claim, is complete incompetence. Don’t be fooled by them. Supposed to be built on AI for more user control, but only the sign-up is user friendly. Not even their staff is “user friendly” when ot comes to claims. Outsurance here I come!!! Or King Price. Or Pineapple! Anything but Naked Insurance.