A and Z Brokers and Onsure Underwriters. Disgraceful Service on my Claim

Good Day my Name is Ian Cilliers and I am here to advise on my experience with the insurance company One Insurance and A to Z Insurance Company and would like this matter to be taken further my policy number is COMM/144683 I started my policy for business usage vehicle insurance, goods in transit cover, and tools on 1 Nov 2024 with a premium of R 1199,95 with an excess of R5000 for the vehicle However, kindly refer to my policy number for more information

'Incident: On March 5th, 2025, at around 19:30 p.m., an accident occurred at 3 Keith Ave, Florida Park. I contacted Achamat Rasdien(broker for A to Z Insurance Brokerage) who advised me that my vehicle had just had a sudden knock, and the tire fell over, causing damage to the fender and bumper. I had organized to organise my own towing service to get my car home which cost me R1000 (this I have proof and never received this back )due to my broker not able to organise a service for me these will be all found on my bank statement (kindly refer to my policy what would be covered for the safety of their clients ) I was also advised that I do have cover taken for car hire only to find out that the call was not recorded which I find extremely strange as I always take out care hire. They are still looking for this recording and I know this would not take that long especially in a claims department ( I have whatsapp voicenotes and pics of the incident and the RARC company nominated by OneSure between Agamat and myself of this claim. I then left Agamat my broker to deal with the incident I took photos and directly to the company whatsapp group so it could be dealt with quicker

after sending messages back and forth and calling Agamat, does not come back to me until the 10th of March because the debit order had to go off the 1st March on the the 3rd March and debit order returned however the debit order went in again on the 6th March 2025 and premium received successfully. Agamat Rasdien advised me that the debit order had to go off first and reflect in Onesure Account before I could've been assisted with my claim

10th March ONESURE collected my vehicle with their towing service and took my vehicle to RARC in Roodepoort and the car as been there ever since and on the 2nd April 2025 it was brought to my panelbeaters info is below explaining

Please note I have all the pictures of the accident scene and the damage to the vehicle have been sent to both underwriter and broker

Seeing that Agagmat is my broker I was told I had to deal with him directly and unfortunately no concrete information was forth coming. I then contacted Onsure myself and reaching. the most uncouth rude individual Deborh Nwaife. Please note in this time my broker Agamat is in contact with Onsure and the confusing messages given is my vehicle will be written off due to damage . This I took as I am prepared this vehicle will pay out and I can see to getting a new vehicle

I took the initiative to speak to OneSure as my broker was of no assistance they advised me I am not allowed to speak to anyone of them at OneSure due to a broker (customer service doesn't wait for people if brokers are off weekend who assists clients) your agent at Onesure Deborah Nwaife clearly made this statement to me and was not happy to assist me

I went back to my Broker Agamat who advised me he is also not getting any joy from OneSure as well if the car must be a written off or be fixed

An assessor went out 14th March 2025 to RARC and his conclusion is not a write off and the damages can be corrected RARC sent quotation same day that's what was advised by them to me

A week went by and on the 18th March I contacted Deborah again and I was unable to reach her however I got hold of her manager Gloria and only then I started seeing that my claim is being seen to

The vehicle was then only towed by RARC to my panelbeaters on 1st April 2025 I was advised it will be an estimated cost to fix vehicle for the amount of R16923.25 for damage minus excess of R5000 comes to R11923.25 I received in my account the sum of R11 923,35 2th April and amount

I was given an option for the panelneaters RARC to fix this vehicle or I could do this on my own I chose to do this on my own as my business was starting to run out of capital due to me having to UBER as well as pay SUB CONTRACTORS to do my work I have all the slips for the prove of loss to my company reputation, standards and quality of work Using the uber was to get to my client sites to inspect or install what my business module is

I have all the receipts on my bank statements approx R30 000 for work that had to be outsourced due to no vehicle Uber cost me about R600 a day until now still the 4th April as vehicle is being fixed by my Panel beaters MAMayos Auto (PTY)TLD

Also note my vehicle is also used for my home purposes for groceries going to church and work and visiting clients

I would like to show a full review of my bank statements and payments that have left my company at a shortfall due to this incident and would like to be rmet in a way that would assist us

this is my request to A to Z Insurance and One Sure to assist me with loss of income and the non communication when help was needed I had to make all attempts which I have on my cell phone as proof leading to high costs of cell phone bill and all extras having to uber eats for shopping in my home

I need these 2 companies to come to an understanding how this has set me back financially and would like to be metsomwhere halfway on this outcome as the car is costing me much more as the amount I received we all know parts and labor are extremely expensive

I will be gladly awaiting a response soonest so this matter doesn't drag itself out any further that It has already