Baseless Repudiation of Claims: Scheming Practices

POLICY NUMBER: INS*** CLAIM NO: SPM484383

They have changed my policy without discussing it with me, neither with subsequent communication to justify the change and now have declined my claim purely because I had not informed them within 30 day of the event occurrence, but the accident had been reported at the nearby police station within the prescribed 24hrs.

A presentation was made to the Company giving reasons as to why, see below: a). Only the front bumper is cracked, therefore the damage is not a major one as the vehicle is still driving perfectly. b). It was only a month that the vehicle had just been repaired and felt I could still go on and recover from the previous loss as it is a business vehicle. c). The vehicle was then impounded, therefore not able to take it to the Body Repair workshop for quotations.

10. PRESCRIPTIONS (ii) of the same policy wording states that "The company will not be liable after 12(twelve) months have expired from the date of the defined event giving rise to a claim unless...is a claim under section 2". This claim results from an incident that occurred on 23 February 2019, which still falls within the period referred to in section stated above.

16. REPORTING CLAIMS TO AUTHORITIES "All events which may give rise to a claim in terms of this policy must be reported to the South African Police as soon as reasonably possible". This part was fully comp**** with at the Claremont SAPS referenced (AR230/02/2019).

Based on these submission I feel that the adjudication process for my claim did not take my interests and the outcome is rather punitive than corrective. The information provided is factual and nowhere misrepresented, but the main question is the time within which the claim is lodged. I am dissatisfied with the outcome and wish that the claim be reviewed.

Kind Regards

Sira Nkundla ***