Standard Bank Insurance is an outright ****. They love taking your money, but hate providing service. Give them a skip and go to anyone else instead.

I have been a customer at Standard bank for 5 months. I have logged multiple complaints for various things because of the horrible service the bank provides. As part of my home loan, I took the Standard Bank insurance component with it. This was a mistake.

In the 5 months at my new home, I had two issues that I logged a claim for: 1) My gate started coming of the rail that goes over the motor gear and I logged a claim for it. The person that was assigned by SB insurance came out, rolled the gate open two times. I showed him how the gear started to spin on the rail wearing out some of the teeth due to it coming of the rail recently. He then said this is happening because of wear on the rail (the exact problem I showed him earlier that happened because of the issue) and he said this is due to maintenance not happening. Maintenance on a metal rail welded onto a metal gate? I asked the guy what maintenance I could possible do on a metal rail, he said "you need to do maintenance" so could not really tell me (spoiler, there is no maintenance you can do). Of course SB insurance rejected my claim because of lack of maintenance. This is actually funny how absurd that is. I then got out a private guy, immediately said a large gate changes shape sometimes because of heat, adjusted the railing and problem solved in 30mins.

2) My pool is leaking to a point then it just stops so its not the bottom, its either pipes at the outlets or the weir. I logged a claim and they assigned someone to come assess. The guy said he does not have a leak detection equipment, he will guess it is somewhere under the pavement, break the concrete and try and find it. This did not inspire confidence so I called SB insurance and said I want to cancel this claim cause this guy is clearly not competent. I phoned a private guy and he said lets do a leak test, determine exactly where the issue is then take it from there like you would expect a pool specialist would say. 4 days later (after I phoned them to cancel the claim) Standard bank calls me to tell me the claim has been refused with the reason (soil movement next to the pool causing a leak) which is not covered. Again actually funny how bad this is handled.

So SB insurance is 2/2 sending out *********** vendors, and 2/2 rejecting claims for absurd reasons. I will be looking at other insurance vendors who can actually provide a service for payment, since SB insurance enjoy getting the payments for the service monthly, but does not like resolving any issues customers may have. Both times I had to get private people to come and assist, but still have to pay my premium monthly.

Save yourself the frustration of dealing with these inept and *********** idiots and go to Outsurance or anywhere else.