Do not take any insurance policies from Wesbank and Hollard. Worst Insurance Company and most *********** finance house EVER!

Wesbank called me to take a top up cover for my vehicle shortfall as I financed my vehicle with them.

As a result I cancelled my top up cover with BMW and took Wesbanks one which was underwritten by Hollard.

I called Wesbank repeatedly before taking their policy and confirmed that I would be covered for my ENTIRE SHORTFALL especially since it was more expensive than my BMW top up cover.

The consultants confirmed that the entire shortfall would be covered, on calls that are apparently recorded (for security and quality reasons).

I've requested these recordings without any success of actually receiving them.

Hollard now say that they do not cover finance costs and charges and do not settle the shortfall to the settlement letter, and they work with the outstanding capital balance at the time of the loss which is a total ******* and I would never have cancelled my policy with BMW if I knew this as they covered the ENTIRE shortfall for a significantly smaller premium.

My comprehensive insurance premium was less than 3 times the amount I was paying for this exorbitant top up policy with wesbank and Hollard, yet my insurance paid out 660 000 rands without a problem and Hollard cant pay a 50 000 rand shortfall when I was paying 500 rand a month?

I am extremely frustrated as it takes atleast 3 hours holding on for wesbank on (011) ********** /3 and Hollard can provide me with the recording of the call where I was sold the policy Either.