Be Warned , worst service at claim stage!!!

I have been a loyal customer of PMD for more than 2 years, i have read many bad reviews of issues with them when it comes to claim stage, but said let me not be negative and give them a chance only to regret now. I have realized that the service will always be good when you not using policy and just paying your premiums. But when it comes time to claim that's when the nightmare begins.

On the 26 of July 2023 . I had an accident where my vehicle hit something on the highway and the impact caused damaged under my vehicle all the oil leaked out of vehicle and it broke down from the impact . I informed PMD and they sent out tow truck that took more than an hour to arrive and mind you it was night and i was alone and stuck in a very dangerous area.

I supp**** the necessary documents for the claim and the process began. It took more that 2 weeks for them to even get a report and quote from their assessment Centre they sent my vehicle too and only upon me following up did they escalate and get the quote.

on the 11 August 2023 the agent called me to advise me that they have received the reports and quotes and the assessor has declared the vehicle a write off. The agent advised that she needed to cancel my cover so that i do not incur any further cost for premiums as the car is write off. I asked what was the damages on the vehicle and she could not advise me of that as it was with the assessor.

She advised that there is nothing she needs from side and that they would contact me again once the they have finalized the claim which would have been this week.

On Monday, 14 August 2023 I received missed call from the agent and i called them back. Only for the agent to tell me that they were calling to tell me that the vehicle claim was not approved and made invalid as the vehicle broke down after due to mechanically failure.

The mechanically failure happened as a result of the impact from the object that hit my car on the road. So I am shocked as how they can claim otherwise after claiming my vehicle is write-off due to the damage and cancelling my policy. if it was mechanical as they now claimed, why did the advise me before declaring the vehicle as a write off and canceling my policy. Just looking for ways not pay again.

As a women in this women's month never thought would ever find myself in such a situation where i would be ****med out of my cover.

Really don't understand what's the purpose of the insurance if we pay for cover to protect us in the case of such incidents yet we still don't get cover.

Now they want me to pay for the release fees on the vehicle. I still don't have a proper explanation from them as requested and copy of the report from their assessors to substantiate their claim . I am very disappointed at the poor service in regards to my claim.

People be warned of this company, the stories' you hear of issues at claim stage is not just "stories" its reality and I have experienced now myself.