Bo Blink maar onder stink (Zero After Sales, we're on our own at claims stage)

What a poor claims experience, Logged a claim end July, claim approved on the 2 Aug 2024... still okay and then the wheel came off. I must follow up for OUTsurance(Mildred claim advisory advised the retention advisor that they have no capacity for follow ups. 24 phone calls until the 20 Aug by me and they decline the claim after a letter was sent as an approved. And then I got hold of the assessment report, which clearly states a large enough pothole could have cause the damages or it could be mechanical failure. So Outsurance chose the prejudice root and said mechanical failure? This is from a vehicle with a full service history at Merc, on time and I'm clearly smart enough to know where to take a mechanical failure issues and a accidental claim issue? That's not the end... empty promises from Nladi the manager... I requested the call recording between him and I and Mildred and I.... guess what. He promised 6 days eta, it's been over 12. The integrity of the manager is questionable, because he would not read his own Outsurance approval letter. He kept dogging it until we got very frustrated and he said Mildred didn't write the letter, it's system generated.... Wow! 18 days later, after creating the expectation that the claim is approved and with zero service, because an OUTsurance client must do their own follow ups with the outsurance repairers/service providers. The repairer even told me that Outsurance call him again after the 20/08/2024, and he said a large enough pothole could result in these damages and still they ignore his feedback.... wow It's so sad R400K in premiums, R5000 monthly premium and they could pay a R18k claim. And when I lodged the claim, I advised them I have never had a good claims experience with OUTsurance, because in Dec 2023 they took a month and half to conclude my repair and still sent me back a broken laptop that worked for exactly 3.5 minutes, so I encourage Mildred to change my view on Outsurance 's claim experience... I tried, right!