Heartless

Dear Lungelwa N Thank you for your message. Kindly note that the grace period only applies where a premium remains unpaid due to insufficient funds. However if a policyholder reverses or stops a debit order, an insurance policy will cancel automatically. (This applies to most, if not all insurance policies) If you are unable to afford the premium or are struggling to meet the premiums requirements, our team are always available to assist with premium arrangements and we invite our policyholders to chat with us before taking drastic measures such as reversing a debit order.  With regards to premium payments, we confirm that it is not possible to accidentally reverse a debit order. In order to reverse a debit order, one must specifically request the reversal from the bank and pay the required bank charges. It has been confirmed that your mother intentionally stopped the debit order and therefore the policy cancelled automatically.  By reversing the debit order, your mother made a conscious decision to stop cover under the policy.As the policy was cancelled prior to the incident, there is unfortunately no cover for the loss suffered.  Kind regards  The SAU Team We Dare to Deliver!