Claim Rejection

We insured our 125cc Husqvarna motorcycle through Select Brokers (broker), Brolink (underwriter), and Santam (insurer). The motorcycle was ******, and the appointed assessor confirmed in writing that the bike did exist at the time of the theft, and that the theft occurred exactly as reported. Despite this, Santam declined the claim, citing “mitigating circumstances” without providing any clear or substantive justification.

From our perspective, this feels like a legitimate claim that has been avoided without transparent reasoning. We have paid monthly instalments faithfully, even continuing to pay past the date of theft for almost 18 months, comp**** fully, provided all required documentation, and the assessor’s report supported the claim. Yet the outcome was still a rejection.

Our experience with this claim has left us feeling unsupported and extremely disappointed in the way the matter was handled by Santam, Brolink, and Select Brokers. Based on this experience, we cannot recommend them for reliable claims service.