**Ongoing Delay and Poor Service – Third‑Party Motor Claim**

I am extremely disappointed with Santam’s handling of a third‑party motor claim where their insured driver was clearly at fault. The accident occurred on **22 December 2025**, supported by a police report and the driver’s own admission — yet months later there is still no resolution.

Because of this delay and lack of urgency, I was left **without a vehicle over the festive season**, forced to claim from my own insurance and pay an excess for an accident I did not cause. My family and I were also compelled to **cancel a long‑planned holiday** we saved hard for, resulting in further financial and emotional stress.

It is now almost May, and dealing with poor communication and unresponsiveness from the broker has been exhausting. This experience reinforces the perception that insurers are quick to take premiums, but slow to act when a valid claim arises. I hope Santam takes accountability and resolves this matter before even more trust is lost.