******* Unit (****)

My mother paid R3 800 for scratch and dent insurance with SMART UMA. When she wanted to claim before the plan expired, she was told that she can take the car to a panelbeater to get it repaired. SMARR UMA gets a quote of about R10 000 for the damages and says that she can take the car to a panelbeater herself and SMART UMA will foot the bill. She takes it to the panelbeater to be told where she paid in cash and expected to be refunded to be told that she cannot get refunded because the panelbeater must be paid directly and because the quote is more than R3 000 (SMART UMA will pay up to R3 000). She says no problem then refunded me R3 000 and I will take the knock on the difference. SMART UMA says no they can't pay the R3 000 because the invoice is for more, even though she is willing to take the difference on her own accord. So outcome, SMART UMA takes R 3 800 and pays nothing. Not a bad business model (uhm ****).