Shocking service- Garage door claim rejected

Having been with Outsurance for more than 6 years and paying the an average of R3500 per month for various policies, building insurance, household insurance, content insurance, out and about insurance, vehicles insurance and life policies.

I went out on Saturday morning and when I returned parking in front of my garage I opened the garage using the remote and the garage started to crumble and crease, within a few seconds the garage motor dropped to the ground and broke because of the intense pressure from the crumbling door. Seeing that it was the weekend and the claims department at OUTsurance was closed, I called out a garage door company and they suggested I replace the garage motor to get the door to close, I gladly paid for this from my pocked R4000 for the motor and R800 for the springs. This was critical for me as it was a entry point to my house and I could not wait for OUTsurance to open the claims department to resolve, the technician the notice that the garage door had cracked and was totally off balances and he suggested that it needed to be replaced. I called OUTsurance on Monday to make the claim, they requested some photos and an assessment report from the technician because the assessor could not come out to me, because of my working hour, I work in retail. I spoke to the assessor and submitted all the documents, a day later I get a call from the assessor stating that the claim was rejected as it was not covered by the policy. I then called the call center asking to speak to a Manager, the lady did not empathize with my situation and just went on about the policy.

I then called my wife to vent my frustrations and to my surprise she now mentioned that the guys who came out the day before to have a look at one of our air conditioning units which was not cooling, bumped into the garage with the ladder that was sticking out of the van when they were backing up into the yard. There was no major damage so she did not think much of it, and this is what cause the garage to jam and crumble which in turn caused the motor to fall of and break.

I am highly disgusted by there service from OUTsurance, this is an entry point to my premises and puts my entire family and possessions and risk, they have no care for the customers but look for the easiest way not to pay out claims.

I will be canceling all my policies with them in the next few weeks.