Neither Good , nor Proper

I wish I could allocate ZERO stars....

We have a third-party liability claim against a Santam policyholder that has remained unresolved since October 2019. Dealing with Santam has been very unpleasant, with zero communication for the better part of two months. Eventually Santam ended up making a decision that defies logic in making a settlement offer on a quote that only covers a part of our claim. Santam’s legal branch also failed to respond to any requests for clarification, given us brush-off and half-formed answers, and have absolutely refused to give us any information on how to escalate our dispute. We will now have to take legal action against the policyholder to recover our damages. If you believe Santam will protect you as a policyholder, be aware that you are likely wrong. They will merely frustrate the process and hope that the third party claimant goes away. Most won’t. If you are the third party trying to claim against Santam- just don’t waste your time. You are better off going the legal route which will be faster and less hassle. Also, look at the Policyholder Protection Rules ( https://www.gov.za/documents/short-term-insurance-act-policyholder-protection-rules-amendment-28-sep-2*** ) , and the SAIA Code of Conduct (www.saia.co.za) . Check that Santam follows those rules. You will not have access to the Short Term Ombud, as third party claims fall outside its jurisdiction. At least insist on having the few rights you have protected! The only Good and Proper thing you will get from Santam is a GOOD and PROPER run-around.