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The company should invest in the employees by taking them to school to obtain their RE5 and NQF4 FAIS because they are clueless with the financial code of conducts, TFC is not considered and their TAT is very poor. My vehicle was taken in for engine failure somewhere month end November or the beginning of December, and my claim was rejected because I have called in to check the status of the policy without confirming that there is a failure on my car. I then disputed their rejection by sending proof that I had paid for the repairs that were needed while the policy was still on a waiting period, they then requested that I cancel one of the warranties because I cannot have 2 in place, I then told them that I will cancel the other warranty and keep theirs, they then requested that I email proof of cancelation so that they can assist me. I requested cancelation and emailed them proof as per their request. I am now told that the time I logged a claim I had two policies in place therefore they will not assist me. The policy wording only State that I am not allowed to claim from 2 policies for the same failure of which I only claimed from the unlimited warranty, under exclusions of the policy it is not stated that the claim will be rejected should I have 2 existing warranties in place. Basically they are looking for reasons not to pay . Their house is not in order, after sending documents you will never hear from them until you follow up, and once you follow up you will get a different agent who will sound lost and request that you email the same documents send previously. Their rep calendar must be investigated because they are lost and they don't render financial services as per FAIS legislation.