If you want your claim declined, and complaint ignored please use Stratum for GAP cover

While I have already escalated the matter to both FAIS as well as OSTI, I would like to warn other GAP cover holders. Stratum has a way in which their benefits and then their myriad of exclusions entirely contradict each other. There is always another reason why they don't pay out. Then you follow their complaints resolution process.... and wonder by wonder, they do not even respond. Now R 8000 is probably not such a big deal, but in two years I have only submitted one claim, and it was declined within less than two minutes, you actually get an sms when they start working on your claim, to get an sms a minute later, saying declined. Despite all the evidence etc to the contrary having been sent to them, they just said, well follow the complaints resolution process. (Don't even bother with this one) Take care, I can only assume the raving reviews and 5stars come from employees of family of employees, because as per my experience and other people that held policies with Stratum, this is definitely not the case for real customers. However let us see whether the Ombudsman and further escalation can assist in getting my claim settled.