PINNAFRICA is a ****.

 We note your complaint and concerns.  We as PinnAfrica Insurance Underwriting Managers validate claims according to the terms and conditions of the Policy wording. When validating the claim submitted on your policy an independent assessor was appointed due to the severity of the claim, and that it was a major component that had failed, being the Engine. Upon receiving the claim documentation and failure report from Hatfield Auto they reported that the failure to the vehicle and the reason for the engine replacement was as a result of a water leak which resulted in the engine failure due to low coolant. We then appointed an independent assessor who confirmed that the sustained engine overheating failure damages were a result of a loss of water. The assessor stated that from his findings, the vehicle sustained engine overheating failures. Both the reports from Hatfield auto and the assessor confirmed that a compression test was done and found that both cylinders 1 and 2 of the vehicle had very low compression. Please be advised there is no way to forge these tests, as we supp**** photo evidence of the compressions test that was done while the assessor was present. Please understand from the report received from both the assessor and Hatfield auto the vehicle sustained heavy damages due to the lack of sufficient coolant which resulted in the requirement of a complete engine replacement as per the quotation supp****. Further to the assessors finding he reported that the vehicle does have a heat gauge that would have informed the driver of the vehicle overheating, further to this point the assessor also confirmed that the vehicle has a slow water leak coming from the water bottle which you agreed on your previous responses to us that the above is correct and found that the vehicle was regularly topped up with water as there was no cooling conditioner (which the vehicle requires) inside the water and cooling system of the vehicle. Which informs us that the vehicle was topped up with water on a regular occasion.  We further note that you have submitted a complaint with the Short term insurance ombudsman regarding the rejection of your claim which we have responded with our findings and documents relating to your claim and our decision.  Following the above please be advised that we will not have any further communication regarding the claim and will await the final decision from the Short term insurance ombudsman regarding the outcome of your complaint. 

 The complaints process has been followed and the matter has been reviewed by management, the Directors of the business as well as the Insurer. Please understand that spreading false information is considered deformation and has legal consequences.  Sincerely, PinnAfrica Directors 

 Sir this matter is closed on our side and we will have no further correspondence.  Sincerely, PinnAfrica Directors