Unfair claim rejection and misleading turnaround times

I had an accident on 19 July 2025 and submitted my claim on 21 July 2025. They wrote off my car..The insurer’s advertised turnaround time when I joined was 10–15 working days, but they only responded almost a month later. In their repudiation reply, they suddenly claim their turnaround time is 21 days — which feels like they are shifting the goalposts to cover their delays.

On 15 August 2025, I was informed that my claim was rejected for “misrepresentation of material facts,” and when I asked what misrepresentation? They can my give me answers..also the rejection letter itself was dated 12 August 2025. This delay in communication is unfair and has cost me financially, as my vehicle is incurring daily storage fees of R300, now totaling R5 100.

I have always supported this insurer and even referred almost 10 of my colleagues to them. Sadly, after seeing how my claim was handled, most of them are now cancelling their policies — and I believe this is a wise decision. An insurer that advertises as “the best” should not treat clients with such poor communication, moving timelines, and unfair claim handling. I am escalating this matter to the Ombudsman for Short-Term Insurance, but I am also warning others to be cautious before trusting the promises made by this insurer.

Don’t believe the best reviews about PMD, I used to think they are the best..but honestly they are good with answering their phone quicky...hence I referred my friends and colleagues to them, and they are affordable.. but what’s the use of paying an affordable insurance that won’t help you during a major accident? At this point I wish I could have remained with King price.😭