Santam sharks do everything possible to not pay out valid claims!

Our hospitality and tourism business has been insured with Santam for several years now, and every year I ask myself why am I still with this terrible company? Their marketing stating "Real insurance good and proper" is absolute nonsense. We are paying thousands of Rands every month for fully comprehensive business insurance covering our vehicles, property, assets and our hospitality & tourism business in every respect. Over the years we have submitted several claims and if I have to think about it, approximately 80% of them have been rejected due to technicalities. Santam is very eager to take our money for the premiums, promising that we are covered and fully insured, but this is not the case. Each time we submit a claim for a valid reason, Santam deliberates for quite some time, pouring over all the correspondence & reports with all their experts to find any loophole or excuse not to pay us for honest claims we submit in our time of need. Recently we had an underground pipe burst on the nature reserve, resulting in dirty muddy water being drawn into the washing machines in our laundry with the result that R12.000 worth of white laundry was stained & damaged beyond repair. I queried why our claim was not successful, and I was informed that if the pipe had burst in the the laundry and flooded the laundry, and the linen was stained that way, then it would be covered. However, if the pipe burst outside the laundry and muddy water was pulled into the washing machines, it wouldn't be covered. What is the difference? A pipe burst beyond our control, we suffered damage to property due to this incident, and Santam found a fine print loophole which they exploited so that they didn't have to pay out the claim. Stay away from Santam, they don't have your best interests at heart.