Easy to take money but when it comes to settle a claim they have 10 different stories!!

I took out house hold insurance from Virseker. We had severe lightning /thunder storm on the early morning of 11 February 2021.

I phoned Virseker and informed them about my tv, 2x Fridges and dishwasher that was damaged due to the lighting .

They informed me to that I need to get a damage report from an appliance company and forward it to them. I did this and submitted the damage report. Virseker phoned me the following day after I send them the damage report to inform me that are going to send another company to collect the damaged items so that they can inspect the items and get a damage report from the company based in Johannesburg. KOMU Digital Technologies came to collect the goods on Monday 22 February. Photos where taken were they loaded the goods on the rain . The one guy picked up my tv and bumped it against the safety gate. Photos where taken of the goods prior to them loading it as proof of what state the goods where in before LOADED by KOMU. On the job card there they wrote that the 2 fridges had a few dents and scratches. But no damages noted on the television and Dishwasher. They loaded the items and went their way. The following day a lady from KOMU phoned me to inform me that all items were unrepairable but the could not inspect the TV as the pc board was not inside. I phoned the company who inspected the goods first and arranged for the pc board to be couriered to KUMO. They confirmed that they received the PC board and will test it. A few days later Grant from Virseker phoned me and informed that the screen of my tv was severly cracked and that I informed him it was the PCB that was faulty. I insured him that the sceen of my television was not cracked when Kumo collected it. And that no damages to my tv was noted on the job card when Kumo collected it. They then informed me that they wont be paying out my claim as there where also no lightning / thunder at my house but only at a radius of 700meter from my house. I told Grant that he must please send me the proof that there where no lightning/ Thunder close to my house which he failed to. He then informed me that my claim will not be paid out as Virseker accused me of *****. They said that I submitted ********** documentation and they do not cover *****. I dont understand what ********** documentation was given to them. I don't have invoices of the goods because I purchased these goods 3 to 5 years ago cash. Kumo provided them with the damage report on each item. Kumo is the company Virseker appointed to do the damage assessment. I am also awaiting to receive my goods back to see that damages there are to my fridges and dishwasher as my tv was damaged by Kumo.

Looking at the complaints on Hellp Peter Virseker is a company that doesn't hesitate to take your money but when it comes to paying out claims they refuse.

Iam not going to leave this matter. I will lay a complaint against Virseker at the Short Term Ombudsman.