Dishonest insurance company

I was so unfairly treated by this insurance company after being with them for years paying a high premium at the time I needed them to provide the service I have been paying for they couldn’t

I submitted a claim after a power surge that damaged nearly all appliances and electronics in my house. Firstly from the time I submitted the claim I had to be the one constantly phoning them to check on my claim no feedback whatsoever from them, they sent an assessor days later still after I had to be the one constantly phoning them to found out if they found the report from the accessor, all this time I am suffering from stress, everything is not working in my house, security system, gate motors, TVs and fridge damaged, yet I had to also constantly be on the phone following up

Yo make matters worse I just received an email saying my claim has been closed, no one bothered to call me and explain to me how my claim has been finalized I had to call them again only to be told I had R5000 cover on power surge for a building worth about R3m, thought that was the worst but more was coming from this company, I was told on the contents they will only cover certain appliances my fridge will not be covered as i tempered with it this is after I had explained to the accessor that the fuse was put by the guy who was trying to repair my fridge and all other appliances and they saw that on all appliances I tried to repair instead of just going to claim, the consultant said she will submit my appeal guess what nothing done and once again no feedback. To show that Santam just wanted to rip me off they still never paid for the contents that they said they will cover, nothing said to me about that even after countless calls I only received R5k for building when I had damage of about R70k as per their accessor

Santam is never ever to be trusted, they are good in taking your money but will never be there when you need them the most