SANTAM INSURANCE DOES NOT RESPOND TO MY CLAIMS

Thank you for your prompt response mr Olivier. If only TIC could take a page from your book and respond so promptly. I am still not getting any response and my fear is that TIC is technically bankrupt as are so many institutions in SA, due to the state of the nation, and that deeply concerns me. I spoke very candidly to Mr Noel Joseph of TIC last week and he has ignored it. I have complained using Santam’s Facebook and I have been blocked from making any further comments. That just confirms that my claims are not being dealt with professionally as I suspected. A contact at Facebook HQ advised me how to bypass the blocking of my comments and I have just posted another lot of complaints. I have contacts at both Google and Facebook European Headquarters in Dublin and I can cause a complaint to go viral and consequently close down an institution. I don’t want to do this as there will be collateral damage of innocent staff no longer having jobs. I’ve explained this to Mr Joseph but he chooses to ignore me. He is testing my patience and I am getting to a point where I will use all my resources to smear the name of TIC and SANTAM

Good evening Mr Olivier. No-one from TIC has contacted me except STACEY ERLANK saying: “Our *** - Please note that with regards to your luggage claim, We will be paying you the maximum luggage benefit of R25 000 Less the Excess of R350.” To which I responded at 14:38: “I accept that that is what I’m covered for. Please proceed ASAP as I need to replace my electronic equipment without which my work here is being delayed. How soon will the funds be in my bank account. I wish to contact Apple now to order a new laptop.” I have had no response at all since then. Another person who is dealing with my medical claim sent me the following messages when I asked her to intervene: “Stacey from TIC will be calling you shortly in tegards regards to the luggage claim .” All these promises but nothing happens. What exactly is going on? Am I just being told what I want to hear? Is TIC in a financial position to make the payment? The MD himself should be doing something about this. It all sounds extremely suspicious. I’ve been having the same problem with the medical claims. I have been to the ER at a hospital twice during the past 3nweeks for severe back pain and spasms which TIC are meant to resolve. A week ago I was informed at the ER that I needed a GP to authorise an MRI as my back pain is worsening. TIC obviously cannot afford this as I’m sill being stalled after 3 weeks to see a specialist. My back has been in severe pain for over 4 weeks now, untreated. This is crazy...

I see that it seems I have once again been blocked from posting my complaint on the Santam FaceBook page which simply reinforces that SANTAM Insurance, in my opinion, ignores and deletes client’s negative feedback instead of solving the issue.

Dear Mr Olivier As far as I’ve been informed, the missing luggage is not part of MSO, who I believe is only involved with the Medical side. However if this is the case, please provide me with the details of the MD and contact details so I can start liaising with them directly. I believe firmly in the saying : why go through Jesus if you can speak directly to God. Enough people concerned here have my email address so you can get it from them. Please give me that name of the

NEVER EVER USE SANTAM INSURANCE, THEY DONT PAYOUT - ******** IN MY OPINION - THIS COMPANY TIC BY SANTAM INSURANCE IS DEFINITELY A ****... WHEN I WAS SOLD THE INSURANCE I WAS NOT INFORMED ABOUT THIS I WOULD NEVER HAVE AGREED. I HAD TO PAY EXTRA FOR LUGGAGE COVER AS THE CON ARTIST, IN MY OPINION, TOLD ME IT WAS THE FINEST MEDICAL COVER OF WHICH I HAVENT BEEN COMPENSATED FOR EITHER - WHAT ABOUT ALL MY DESIGNER CLOTHING THAT WAS ******? I WONDER WHAT THAT EXCUSE WILL BE. ULTIMATELY THIS COMPANY IS DISGUSTING. THERE ARE ONLY SHOCKING REVIEWS ABOUT THEM ON HELLO PETER Re: Claim for ****** Luggage - Claim Number: ********** 9 We acknowledge receipt of the above claim. Should you have any query regarding this claim please quote the above claim number:- We would like to refer you to the policy wording:- GENERAL CONDITIONS APPLYING TO THE ENTIRE POLICY It is a condition precedent to liability that: p. under no circumstance will any payment on the policy exceed the Limit of Liability in respect of the particular benefit as stated in the Schedule of Insurance; SECTION 08: LUGGAGE, CASH AND TRAVEL DOCUMENTS AND TRADE SAMPLES SECTION 08: CONDITIONS g. Any electronic equipment (including but not limited to cameras, cellular phones, satellite phones, navigation systems and/or laptops) must accompany You as hand / cabin baggage; We have carefully considered your claim, but regret to advise that you have not comp**** with the terms and conditions of the policy. We are therefore unable to compensate you for your lost. Be advised that Santam is not limited to the reason(s) for declining liability as stated above and that all rights and further remedies are reserved. Should you wish to discuss this matter, kindly contact your broker or Santam Limited directly on telephone number (011) ********** , and/or fax ***or email ********** You may also make written representations to challenge this decision. Yours sincerely Stacey Erlank Claims Assessor Sent electronically without signature

AFTER BEING INFORMED I WOULD BE PAID OUT FOR MY LUGGAGE LOSS I AM THEN INFORMED I WILL NOT BE... PLEASE SEE MY RESPONSE AND THE 2 XEMAILS RECEIVED BELOW : (KINDLY SUPPLY ME WITH JASON VELTCH’S EMAIL ADDRESS SO I CAN COPY HIM IN AS HE IS THE HEAD OF TIC AND PERHAPS FORWARD THIS TO HIM. To whom it may concern WITHOUT PREJUDICE I am most confused. On Friday I received the below email from you stating, “Our ***. Please note that with regards to your luggage claim, We will be paying you the maximum luggage benefit of R25 000 Less the Excess of R350.” Then last night I received a contradictory email saying TIC will not cover any electronic equipment. Furthermore this email was sent electronically without a signature. I would expect this is a result of my telephonic conversation with GLEN STAPLES yesterday where he was quite patronizing and said my medical emergency that I’ve waited a month for approval, was not urgent. I asked him to email that to me in writing to which he agreed but still has not done so. As I have said before, in my opinion, considering the stalling and non authorisation of my medical claims so far, I am sure TIC are trying every attempt not to pay out my claim or they may be technically bankrupt and merely stretching the goal posts to pacify me until my travel insurance cover ends after a month? In my opinion this is **********? I have copied in my attorney and the SAP. Please see the communication received below: From: "Travel Insurance Consultants (Claims)" ********** Date: 30 July 2018 at 13:02:10 GMT+2 To: ********** ********** Subject: RE: Lyle Pewsey Claim - URGENT - policy no 26021D***MailRef: 781456 Reply-To: "Travel Insurance Consultants (Claims)" ********** Mr. Pewsey. Our ***. Please note that with regards to your luggage claim, We will be paying you the maximum luggage benefit of R25 000 Less the Excess of R350. Kind regards Stacey Erlank Claims Assessor Sent from my iPad On 31 Jul 2018, at 17:54, Travel Insurance Consultants (Claims) ********** wrote: Head Office/Hoofkantoor: The Pavilion, The Wanderers Office Park 52 Corlett Drive Illovo Johannesburg South Africa PO Box 3337 Cramerview 2060 t +27 11 ********** f ***www.tic.co.za Mr. L. Pewsey. 30 July 2018 “Without Prejudice” Dear Mr. Pewsey. Re: Claim for ****** Luggage Claim Number: ********** 9 We acknowledge receipt of the above claim. Should you have any query regarding this claim please quote the above claim number:- We would like to refer you to the policy wording:- GENERAL CONDITIONS APPLYING TO THE ENTIRE POLICY It is a condition precedent to liability that: p. under no circumstance will any payment on the policy exceed the Limit of Liability in respect of the particular benefit as stated in the Schedule of Insurance; SECTION 08: LUGGAGE, CASH AND TRAVEL DOCUMENTS AND TRADE SAMPLES SECTION 08: CONDITIONS g. Any electronic equipment (including but not limited to cameras, cellular phones, satellite phones, navigation systems and/or laptops) must accompany You as hand / cabin baggage; We have carefully considered your claim, but regret to advise that you have not comp**** with the terms and conditions of the policy. We are therefore unable to compensate you for your lost. Be advised that Santam is not limited to the reason(s) for declining liability as stated above and that all rights and further remedies are reserved. Should you wish to discuss this matter, kindly contact your broker or Santam Limited directly on telephone number (011) ********** , and/or fax ***or email ********** You may also make written representations to challenge this decision. Yours sincerely For Travel Insurance Consultants . . . . . . . . . . . . . . . . . . . . . . . . . . . . Stacey Erlank Claims Assessor Sent electronically without signature Directors/Direkteure: Gg Gelink (Chairman/Voorsitter), L Lambrechts (Chief Executive Officer/Uitvoerende Hoof), B Campbell, MD Dunn,Mp Fandeso, T Fubu, BTPKM Gamedze, IM Kirk, MLD Marole, JP Möller, M Reyneke, Dr J Van Zyl, HD Nel (Executive/Uitvoerend), Y Ramiah.Company Secretary/Maatskappysekretaris: M Allie. Reg no *** Santam Bpk/Ltd • Santam is an authorised financial services provider (licence number 3416).

I have just received the full payment of R25,000.00 less the R350.00 excess in my bank account. It seems that after I was informed that I won’t be receiving payment, I was paid after all. It’s a pity that one has to go to such great lengths to get justice. Unfortunately I cannot recommend TIC and hope that no other public members have to go through what I have endured.

WITHOUT PREJUDICE I have an ongoing issue with Santam’s TIC. I posted a separate complaint about my medical trauma and the lack of service I’m getting from TIC and MSO. The complaint was blocked meaning, in my opinion, that Santam has bul**** Hello Peter to not publish complaints against it? I slipped a disk in my back and landed up being taken to ER by ambulance. Physiotherapy treatment was recommended immediately. TIC sent me all over Spain claiming Gibraltar did not have facilities to treat me. I wasted days in Spain because no authorisations were supp**** by MSO for the treatments. The delays led to an infection and I landed up in ER with Septicemia after which TIC eventually agreed to an urgent MRI scan recommendation of a few weeks prior. The results have insisted I have physiology sessions, a bone scan and a test by a neuro surgeon. TIC have since kept a low profile and sent “supposed” authorisations to the wrong clinics that landed up in “junk mail’ but when I asked for the evidence, I’ve been ignored. Yesterday I was informed I had an appointment with a orthopedic surgeon within a few hours. I said I couldn’t make it as I was in Spain and needed a few days notice. I was told that I had received a GOP by email but have not received that evidence that I requesteded. NOEL JOSEPH explicitly told me on a conference call yesterday, after establishing that it was impossible for me to get to the appointment I was only informed of a couple of hours prior, that if I didn’t attend, he would shut down my cover. He conviniently followed this up with a formal SANTAM signed letter to state my cover has “EXPIRED” at midnight last night, before I was to start a series of reccomended physiology sessions today to sort out my back trauma. My back is still in pain. I get sharp pains when I move meaning nerves are affected and I still am feeling ill, probably meaning I still haven’t recovered from the Septicemia, which is life threatening, but TUC has refused a simple blood test requested weeks ago by the physiothe****** to see if it’s cleared as it’s affecting and hampering my recovery. NOEL JOSEPH has had previous alterations with me because I have exposed his unprofessional attitude on social media. JASON VEITCH - TIC CEO has been copied in on all emails but has ignored them and I got response to say he’s on leave. Is it a leave of absence because my case has opened a can of worms? Everything reeks of *****, in my opinion, and it seems TIC are blatantly trying NOT to cover what was sold to me..? In the USA people would be imprisoned for this

Why have I been blocked from making a complaint against Santam on Hello Peter? Does Santam control Hello Peter.?