LYING, MISLEADING AND SABOTABY BY VIRSEKER INSURANCE / TELESURE INVESTMENT HOLDINGS

#Virseker, #TelesureInvestmentHoldings, #Auto&General. You are LIERS. You are MISLEADING. You IGNORE. You SABOTAGE.

If you thinking about supporting these companies with Insurance get ready for financial loss and being ignored in time of need. BUT THEY TAKE YOUR MONEY EVERY MONTH!!!

Please do not support this holding company or any insurance company underwritten by them like Auto & General and Virseker.

I have a dispute with Virseker where they included the Solar Geyser display into my claim even though I do not have cover for the Solar Geyser. After months of fighting and supplying them with literature that this should not have been included into the claim, they have now shoved me off to their Adjudicator department. And typically as they are, I am now being ignored. So below my time frames.

5 June 2025 - Virseker installed the Geyserwise display due to fire damage. I have another extensive explanation on Hello Peter due to Virseker causing massive financial loss to me due to having to install whole new Solar Geyser system due to their assessor not sending qualified people to assess situation. I start the claim for the new geyser of R22000. 12 June 2025 - Virseker tells me they are not responsible for the failure of the old geyser and they reject my claim. They advised me that the geyser burst which is a usual thing. I am saying they did not replace the old display with the same display which resulted in not being done correctly and that it was Virseker's error by including this into the claim. They should not have. 26 June 2025 - After sending numerous mails I place complaint on Hello Peter as now I am ignored by the Virseker consultant. I am all of a sudden being contacted by Telesure Investment Holdings management that they are looking into the case. I tell my story and state my case that the failure of the Geyser is due to the replacement of the display as it is 2 totally different makes of geyser systems. 12 July 2025 - Telesure Investment Holdings manager comes back and again tell me it is not their fault and dismiss my claim. I ask them to send their assessor to my house in order to have a meeting about this. The old geyser is still on roof and they can do their inspection on what went wrong. 31 July 2025 - Still not response from TIHSA. 4 August 2025 - TIHSA Manager tell me to escalate this to their dispute department. 6 August 2025 - Internal Dispute Resolution Consultant contact me and ask till 26 August to "look into the case". I forward her the full explanation on what happened and what my opinion is regarding the failure of the old solar geyser. 18 August 2025 - I got contacted and I discussed it telephonically with the dispute consultant. I again highlighted the problem areas of this. 19 August 2025 - She tells me AGAIN that the solar geyser is not covered by the insurance as we did not include it in the policy which is a specified item on the insurance policy. At this time I asked " WHY DID THEY INCLUDE THE DISPLAY UNDER THE CLAIM WE LODGE FOR THE FIRE IN THE HOUSE". Along with this I attached extensive literature on the Solar system I had in the house VS what they replaced the display with. I had a TKDZ Low pressure Thermosyphon and they replaced it with a Geyserwize display. I pointed out to them that these 2 displays cannot just be changed without changing probes and sensors in the existing geyser. This was not done correctly by the company that did the repair and replacement. 10 September 2025 - 3 weeks with no answer from TIHSA dispute consultant. I sent reminder. She advised that she is now getting the assessor to advise. I again asked why the display was included in the claim when it should not have been included due to the exclusion on the policy of the Solar Geyser and accessories. 18 September 2025 - After constant nagging TIHSA Dispute Consultant tells me that the display is included in the Structural Insurance ( which we had ) BUT THE GEYSER IS NOT AS IT HAS TO BE SPECIFIED. I totally disagreed with this and asked her to send me where it is stated on the policy. She sent me just a little extract out of the policy which states: "Gebou dekking: Ons sal jou vergoed vir: Verlies van die skade aan jou eie huis, Motorhuis, buitegeboue, swembad ( maar nie boorgat- en swembadtoerusting nie), mure, hekke, Grensdrade, Tennisbane en vir die (and the following is highlighted) BYBE**** EN VASTE TOEBE**** BY DIE ADRES OP JOU SKEDULE" I asked for the full policy as one sentence does not explain the policy. And true and behold the policy says the below: " skade/verlies aan geisers en aangehegte bytoeselle/pype - Dekking nie geneem Skae/verlies veroorsaak deur bars of oorloop van geisers, toerusting of pype aangeheg aan geisers - Dekking nie geneem: What aggravate me more is that she is so deceiving by not sending their full policy specs which I had to search for online and found. Below was my response to her. "I had to deal with my father’s death, funeral and then still fight with non responding Virsekering consultants that gives me generic responses and then try and hide behind part extracts on the policy which does not bring into context the whole SOLAR GEYSER EXCLUSION clause under 11 (a) and 11(b) of the Virsekering Schedule. TIHSA dispute consultant is trying to classify the Geyserwise component under “ bybe**** en vaste toebe**** by die adres op jou skedule” on the broad explanation of the schedule, which under my impression would be solar panels or inverters as it is specifically named and excluded under point 2 of Structural cover as well as point 11 I pointed out So to my opinion the display should not have been included into the claim as it is "bytoestelle" ( accessories) of the geyser. It is specifically excluded in their policy that anything connected to the Solar Geyser is EXCLUDED from my policy. It should not have been included because changing the display also forces you to change the temperature probes and sensors which goes inside the geyser if you are changing the manufacturing make of the geyser. As previously explained, I had a TKDZ low pressure thermosyphon solar geyser and they are replacing it with a Geyserwise display. And conveniently as per the Dispute consultant the display is part of structural but sensors and probes is part of Geyser insurance. This is a blatant lie to cover that the mistake is made by the Virseker Consultant to include it in claim and proceed to send the assessor's contractor to change the display. This is FALSE pretenses and they are not admitting to the mistake. This caused me to lay out R23000 a week after the death of my father to replace the geyser that they were directly responsible for the failure of the old geyser. 01 October - After daily back and forth between myself and the Technical Advisor of Digicall Assessing Solutions I finally got my full answer which in my opinion should have been the proof that this was a mistake by Virseker consultant. Below is his response: "The probe controls and monitors Temperature and circulation The geyser wise does not control water level. As mentioned before all geysers are supposed to be full. You should never adjust or restrict water level as this will damage the geyser severely. It could cause an explosion or severely burn people. These TKDZ controllers are no longer imported and there is no agent as the units did not pass the South African standards on geysers. Yes they would have had to replace the controller, Thermostat, Probe and Keypad. Only those four components, but all 4 would have to be replaced. " 2 October - I am being told by the Internal Dispute Resolutions Consultant of Telesure Investment Holdings to escalate this to ***. Why because now she is tired of dealing with me and do not know how to admit to the mistake made by their Virseker Insurance Consultant and then just passing me on to the next entity that DOES NOT LIVE UP TO THEIR PROMISES OF HAVING AN ANSWER. I immediately escalated it to the Adjudicator sending them all emails and literature to this case to work throught. 3 October. They acknowledge receipt of mail and asked till 16 October to investigate. 30 October - After numerous emails and reminders to them followed up with a phone call ( of which was unsuccessful due to the fact that no one can put me through to the consultant that is handling the case. Best protected people in the world). NOW THERE IS TOTAL SILENCE AND NO RESPONSE FROM THEM.

To finalize. I am waiting for *** to get back to me.