Santam and Indwe Risk unfair and *********

Santam and Indwe Risk Services are ridiculous and completely *********.

Being over 55 years of age I receive cover without having to pay excess on future claims. Guess what, after a few small claims over a three-year period, (e.g. glasses, sports watch, car window, etc.....) my excess shot up from nothing to R3000 per future All Risk claim. How can they justify R3000 excess to be paid for an iPhone that costs R17 000?? ?? ? Where if I was in a car accident regardless of the damage costs being R4000. 1. Being over 55 "NO EXCESS SHOULD BE PAYABLE”- Contradictory Much. 2. The insurance Broker confirmed over the phone no excess will be payable. 3. On receiving the document to sign, it says there is R3000 excess payable.

How do you justify R3000 for a phone to R4000 for a car accident that could be over R200 000 claim?

So the company entice you with a "No Excess" sign up, but in return you should not use the policy... How does that work? One takes out insurance for specifically that reason... to cover the unforeseen. Not one of my claims exceeded the excess that I am now subjected to pay.

For this reason I would not recommend Santam at all and will be moving insurance companies even after 21 years of being a client of theirs.