Rejection of claim not accepted

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I am extremely disappointed with how my recent insurance claim has been handled by Nedbank Household Home Covers Insurance.

In May 2024, I submitted a request to have nine solar systems on my property insured. These systems are rented from Go Solar, and as part of the rental agreement, I was required to provide proof of insurance for all nine units.

I sent through all nine rental agreements, the Certificates of Compliance (COCs), and all relevant supporting documentation. Shortly thereafter, I received an updated policy schedule from Nedbank with a specific endor*****t confirming that the nine solar systems had been added to my policy. I therefore believed they were fully covered.

In early September 2024, two of the inverter systems were struck by lightning, and I immediately submitted a claim. Your assessor came out to inspect the damage and confirmed that the inverters had indeed been damaged.

Following this, I was informed that an independent company would be sent out to quote on replacing the systems. I made it clear from the start — and as confirmed in the documentation I submitted — that this was not possible under the terms of the Go Solar rental contracts, which state that only the owners of the systems may carry out replacements. Our obligation was purely to insure the equipment.

It now appears that my insistence on following the contractual conditions — the very same conditions disclosed and accepted when the systems were insured — is the reason the claim has been rejected.

After more than two months of back-and-forth communication, and despite having formal written confirmation from Nedbank that the systems were added to my policy in May 2024, I am now left with two non-functioning inverters, no resolution, and a final rejection of my claim.

This is unacceptable. Nedbank formally endorsed these systems on my policy, accepted my premiums, and is now refusing a valid claim based on circumstances that were fully disclosed and accepted at the time of cover.

After years as a loyal Nedbank client, I find this experience deeply disappointing. I urge Nedbank Household Home Covers Insurance to review this case urgently, honor the endorsed coverage, and take responsibility for the handling of this claim

Policy ***

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