SM
Sibusiso M
1 reviews | Active since Oct 2012
17 Jul 2020, 20:01
**** cover!
Please explain how the second quote is incomplete I received the quotes from panel beaters that I was directed by you. Secondly, one of the quotes is less than R5000 and my maximum cover is R5000. You are more than welcome to cancel the cover and give me back all my premiums paid dating back to after my claim 2018, clearly I am not getting what I pay for.
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Replies (3)
SMART UMA's replyOfficial
20 Jul 2020, 09:55Dear Sir,
The claim in contention was re-opened on the 25/06/2020. It was advised that the vehicle sustained dents to the left front fender and left front bumper and required repair and restoration thereof. The normal claims procedure was followed whereby we requested send photos regarding the required maintenance and restoration.
As it was evident that the damages are too big to be conducted by the Streamline mobile repair unit we then further referred you to one of our nationwide body maintenance shops.
Upon receiving the requested information – we noted that the cheaper quotation is incomplete, repairer quoted for the fender only and there is a damage on the front bumper as initially reported.
Secondly, the second quote submitted was rejected as all the damages quoted for which equates to R 11,854.64 exceeds the policy indemnity limit of R 5,000.00 VAT inclusive and regrettably is specifically excluded from the scope of cover.
In addition - we proceeded to reject the claim as the damages quoted for exceeds the indemnity size limit and regrettably is specifically excluded from the scope of cover as the total surface area – length - exceeds the 15cm size limit. Furthermore, any maintenance work in excess of the limit is usually not minor maintenance and may be covered under a comprehensive motor insurance policy.
There will be no cover if the cost of repairs inclusive of VAT, irrespective of the size of the damage, exceeds the Benefit Limit as stated on the Schedule.
Thank you for your cooperation and patience herein. Kind Regards, Risk Management Complaints Division
The claim in contention was re-opened on the 25/06/2020. It was advised that the vehicle sustained dents to the left front fender and left front bumper and required repair and restoration thereof. The normal claims procedure was followed whereby we requested send photos regarding the required maintenance and restoration.
As it was evident that the damages are too big to be conducted by the Streamline mobile repair unit we then further referred you to one of our nationwide body maintenance shops.
Upon receiving the requested information – we noted that the cheaper quotation is incomplete, repairer quoted for the fender only and there is a damage on the front bumper as initially reported.
Secondly, the second quote submitted was rejected as all the damages quoted for which equates to R 11,854.64 exceeds the policy indemnity limit of R 5,000.00 VAT inclusive and regrettably is specifically excluded from the scope of cover.
In addition - we proceeded to reject the claim as the damages quoted for exceeds the indemnity size limit and regrettably is specifically excluded from the scope of cover as the total surface area – length - exceeds the 15cm size limit. Furthermore, any maintenance work in excess of the limit is usually not minor maintenance and may be covered under a comprehensive motor insurance policy.
There will be no cover if the cost of repairs inclusive of VAT, irrespective of the size of the damage, exceeds the Benefit Limit as stated on the Schedule.
Thank you for your cooperation and patience herein. Kind Regards, Risk Management Complaints Division
SMART UMA's reply20 Jul 2020, 09:55
Official
Dear Sir,
The claim in contention was re-opened on the 25/06/2020. It was advised that the vehicle sustained dents to the left front fender and left front bumper and required repair and restoration thereof. The normal claims procedure was followed whereby we requested send photos regarding the required maintenance and restoration.
As it was evident that the damages are too big to be conducted by the Streamline mobile repair unit we then further referred you to one of our nationwide body maintenance shops.
Upon receiving the requested information – we noted that the cheaper quotation is incomplete, repairer quoted for the fender only and there is a damage on the front bumper as initially reported.
Secondly, the second quote submitted was rejected as all the damages quoted for which equates to R 11,854.64 exceeds the policy indemnity limit of R 5,000.00 VAT inclusive and regrettably is specifically excluded from the scope of cover.
In addition - we proceeded to reject the claim as the damages quoted for exceeds the indemnity size limit and regrettably is specifically excluded from the scope of cover as the total surface area – length - exceeds the 15cm size limit. Furthermore, any maintenance work in excess of the limit is usually not minor maintenance and may be covered under a comprehensive motor insurance policy.
There will be no cover if the cost of repairs inclusive of VAT, irrespective of the size of the damage, exceeds the Benefit Limit as stated on the Schedule.
Thank you for your cooperation and patience herein. Kind Regards, Risk Management Complaints Division
The claim in contention was re-opened on the 25/06/2020. It was advised that the vehicle sustained dents to the left front fender and left front bumper and required repair and restoration thereof. The normal claims procedure was followed whereby we requested send photos regarding the required maintenance and restoration.
As it was evident that the damages are too big to be conducted by the Streamline mobile repair unit we then further referred you to one of our nationwide body maintenance shops.
Upon receiving the requested information – we noted that the cheaper quotation is incomplete, repairer quoted for the fender only and there is a damage on the front bumper as initially reported.
Secondly, the second quote submitted was rejected as all the damages quoted for which equates to R 11,854.64 exceeds the policy indemnity limit of R 5,000.00 VAT inclusive and regrettably is specifically excluded from the scope of cover.
In addition - we proceeded to reject the claim as the damages quoted for exceeds the indemnity size limit and regrettably is specifically excluded from the scope of cover as the total surface area – length - exceeds the 15cm size limit. Furthermore, any maintenance work in excess of the limit is usually not minor maintenance and may be covered under a comprehensive motor insurance policy.
There will be no cover if the cost of repairs inclusive of VAT, irrespective of the size of the damage, exceeds the Benefit Limit as stated on the Schedule.
Thank you for your cooperation and patience herein. Kind Regards, Risk Management Complaints Division
SM
Sibusiso M's updateReviewer Update
20 Jul 2020, 10:24You can cancel the policy and refund all monies paid so far. Should you fail to do so, I will do so via the bank... we all know the bank charges u should I go that route
SM
Sibusiso M's update20 Jul 2020, 10:24
Reviewer Update
You can cancel the policy and refund all monies paid so far. Should you fail to do so, I will do so via the bank... we all know the bank charges u should I go that route
SMART UMA's replyOfficial
20 Jul 2020, 10:40Dear Sir,
Please refer the cancellation request to Standard Bank to cancel this debit order, we don’t cancel their policies.
Tel: 080 123 741
Thank you for your cooperation and patience herein.Kind Regards,
Risk Management Complaints Division
Please refer the cancellation request to Standard Bank to cancel this debit order, we don’t cancel their policies.
Tel: 080 123 741
Thank you for your cooperation and patience herein.Kind Regards,
Risk Management Complaints Division
SMART UMA's reply20 Jul 2020, 10:40
Official
Dear Sir,
Please refer the cancellation request to Standard Bank to cancel this debit order, we don’t cancel their policies.
Tel: 080 123 741
Thank you for your cooperation and patience herein.Kind Regards,
Risk Management Complaints Division
Please refer the cancellation request to Standard Bank to cancel this debit order, we don’t cancel their policies.
Tel: 080 123 741
Thank you for your cooperation and patience herein.Kind Regards,
Risk Management Complaints Division