Disappointed 😞

I am extremely disappointed with my claims experience with Santam.

I recently submitted a claim for my ring and provided a valuation certificate confirming the value of the item. Despite providing the required documentation, Santam has refused to settle the claim based on the actual replacement value and has instead proposed a settlement based on a discounted preferred-supplier rate.

I have also requested clarity on how Santam arrived at the proposed settlement amount, but I am still waiting for a proper explanation and supporting quotation.

What is particularly frustrating is the lack of clear and timely communication throughout the process. As a policyholder, I expected better service and a claims experience that would give me confidence that my claim was being handled fairly.

I am now seriously considering cancelling my policy because of this experience.