Problems with insurers...

[WayneSchalk]

Perhaps someone can give me some advise on what to do?

In mid January my wife showed me that the alarm system is "off", now we did have lightning storms every other day then so I just assumed that was the problem, I called my security company to come have a look. The technician said lightning damaged it and I need a new controller, from there they will be able to test what else was damaged. So they sent out the sales rep that did a quote.

To be honest I think they smoke something, R19550 was their quote.

So I called the insurance and logged a claim, they sent out someone who at first said the same thing "lightning".

A couple of days passed without hearing from them, so I called them. Just to be told the claim is rejected!

The reason? According to the assessors report - "the client tampered with the unit that resulted in the system failure"

What a load of Bull....t!!!!

what am I to do? I called my legal adviser, they want me to get the report from the assessor and the letter stating that the claim is rejected.

But how can they do this? How do I prove I did not tamper with it, and how do they prove I did (according to them)?


I pay for years, and then the first time I want to claim they do this!

[pietpetoors]

I think they must prove that you did.

[zepplin]

I feel for you Wayne, going through a tense time with prime Meridian RE a vehicle claim...........................service non-existant. Make you feel guilty for using them!!!

[Masekind]

Ombudsman hulle vat nagal nie *a* nie

[CasKru]

Wayne... klink vir my soos Outsurance.

Anyway... lang storie kort. Kry daai eerste ouens wat jy uit gekry het om te bevestig dat dit weerligskade is. Gaan polisie toe en kry 'n beëdigde verklaring dat jy nie met die stelsel gepeuter het nie.

Gaan dan na die versekering toe en dring daarop aan dat hulle die eis betaal. As hulle se jy het met die ding gepeuter dan gee jy vir hulle die beëdigde verklaring. As hulle dan nog weier dan sê jy vir hulle dat hulle dan daarmee bedoel dat jy besig is met bedrog en as dit die geval is moet hulle 'n saak by die polisie moet maak of die eis betaal.

Dan wanneer hulle dan uit betaal, maak seker jy skuif weg van outsurance af want hulle is die grootste skelms daar buite

[WayneSchalk]

Wayne... klink vir my soos Outsurance.

Anyway... lang storie kort. Kry daai eerste ouens wat jy uit gekry het om te bevestig dat dit weerligskade is. Gaan polisie toe en kry 'n beëdigde verklaring dat jy nie met die stelsel gepeuter het nie.

Gaan dan na die versekering toe en dring daarop aan dat hulle die eis betaal. As hulle se jy het met die ding gepeuter dan gee jy vir hulle die beëdigde verklaring. As hulle dan nog weier dan sê jy vir hulle dat hulle dan daarmee bedoel dat jy besig is met bedrog en as dit die geval is moet hulle 'n saak by die polisie moet maak of die eis betaal.

Dan wanneer hulle dan uit betaal, maak seker jy skuif weg van outsurance af want hulle is die grootste skelms daar buite

Nee, dis Standard Bank. Maar die storie word nou teveel vir my. In tussen sit ek sonder 'n alarm

Beste van als, ekt so bitjie gekyk. Ek het op Private Security Industry Regulatory Authority (PSIRA) dit is wet dat enige besigheid wat 'n bestaan maak uit om sekuriteit dienste te verskaf in enige vorm moet volgens wet met hulle geregistreer en geakkrediteer word.

Die manne wat die versekering gestuur het is nie! Kan jy nou glo, ek sou dit nie van 'n bank af verwag het nie.

[Oupa Stig]

Wayne, hoe meer jy raas en skree, hoe meer likely is dit dat die claim goedgekeur sal word. Doen, soos gesê, die affadavit ens. Dan dring jy aan daarop om met 'n manager by die claims ouens te praat. Indien hul jou nie diens nie, vra hulle hoe jy tewerk gaan om al jou rekeninge toe te maak. As jy kan bewys die weerlig het gepiets (eerste ouens se opinie moet gestaaf kan word - wys 'n gebrande pcb of iets...) dan is jou veresekeraar verplig as jy gedek is vir weerlig skade. Hul assesor dink jy's dom. Wys hom jy is nie.

[Hangover]

Hollard wat na my meening net so skelm is het dieselfde truuks getry toe my trokkie gesteel was met alerhande stront storietjies... Op die ou einde het hulle maar betaal na die ombudsman goet uitgekrap het wat hulle selektief gekies het om nie te deel nie en wat ons heeltyd gese het hulle moet he... skelm fokkers as jy my vra... Nog nooit enige stront met mutual en federal of santam gehad nie...

[Stef]

Hollard wat na my meening net so skelm is het dieselfde truuks getry toe my trokkie gesteel was met alerhande s****t storietjies... Op die ou einde het hulle maar betaal na die ombudsman goet uitgekrap het wat hulle selektief gekies het om nie te deel nie en wat ons heeltyd gese het hulle moet he... skelm fokkers as jy my vra... Nog nooit enige s****t met mutual en federal of santam gehad nie...

Die van ons hier wat versekering deur Jaco van AgriSA gevat het....julle weet natuurlik dis nou Oostelike makelaars, en raai wie bestuur daai M&F polis van jou...HOLLARD


Moet se met die ongeluk toe die Polo afgeskryf is het ek nie probleme gehad nie.. retail - bybetaling, geen stories oor diens rekords en allerhande nonsens nie

[Cleaner]

Hollard...hmmmm Ek ondersteun eerder ons huidige goewerment as wat ek ooit weer enigiets deur Hollard insure! So jaar terug my eerste bakkie klaar betaal wat ek nooit gehad het nie, en hulle nie voor uitbetaal het nie, agv 'n "technicality".

Insurance boef het dit so aan my verduidleik - Insurance is soos gambling, sometime you win, most of the time the house win.

[Family_Dog]

Nee, dis Standard Bank. Maar die storie word nou teveel vir my. In tussen sit ek sonder 'n alarm

Beste van als, ekt so bitjie gekyk. Ek het op Private Security Industry Regulatory Authority (PSIRA) dit is wet dat enige besigheid wat 'n bestaan maak uit om sekuriteit dienste te verskaf in enige vorm moet volgens wet met hulle geregistreer en geakkrediteer word.

Die manne wat die versekering gestuur het is nie! Kan jy nou glo, ek sou dit nie van 'n bank af verwag het nie.

My home bond was through Standard Bank, as was the Insurance. After the second incident with them (over a geyser), I invited them to take a flying leap and swung over to M&F. No problems whatsoever and never a claim refused. SB cannot force you to take insurance through them, do yourself a huge favour and dump them.


-F_D

[WayneSchalk]

Nee, dis Standard Bank. Maar die storie word nou teveel vir my. In tussen sit ek sonder 'n alarm

Beste van als, ekt so bitjie gekyk. Ek het op Private Security Industry Regulatory Authority (PSIRA) dit is wet dat enige besigheid wat 'n bestaan maak uit om sekuriteit dienste te verskaf in enige vorm moet volgens wet met hulle geregistreer en geakkrediteer word.

Die manne wat die versekering gestuur het is nie! Kan jy nou glo, ek sou dit nie van 'n bank af verwag het nie.

My home bond was through Standard Bank, as was the Insurance. After the second incident with them (over a geyser), I invited them to take a flying leap and swung over to M&F. No problems whatsoever and never a claim refused. SB cannot force you to take insurance through them, do yourself a huge favour and dump them.


-F_D

Yep, will definitely do it. Just waiting for the final outcome on this

[Family_Dog]

Hollard wat na my meening net so skelm is het dieselfde truuks getry toe my trokkie gesteel was met alerhande s****t storietjies... Op die ou einde het hulle maar betaal na die ombudsman goet uitgekrap het wat hulle selektief gekies het om nie te deel nie en wat ons heeltyd gese het hulle moet he... skelm fokkers as jy my vra... Nog nooit enige s****t met mutual en federal of santam gehad nie...

Die van ons hier wat versekering deur Jaco van AgriSA gevat het....julle weet natuurlik dis nou Oostelike makelaars, en raai wie bestuur daai M&F polis van jou...HOLLARD


Moet se met die ongeluk toe die Polo afgeskryf is het ek nie probleme gehad nie.. retail - bybetaling, geen stories oor diens rekords en allerhande nonsens nie

Stef, you sure of this? M&F are huge, Hollard is small in comparison...

Our business insurance was also through Santam at one stage, we cancelled that as well after yet another incident. A Radio Mast was blown over in a very fierce storm we had and the assessor claimed because there were signs of rust *inside* the tower legs, we were therefore negligent. He could not tell me how to paint the inside of a 30M self-supporting tower though.The day we swung the business account to M&F we had another lightning storm, blowing up a Radio Systems Analyser. M&F paid up without a blink.


-F_D

[Stef]

F_D,

If Mr Buys moved it from M&F to Hollard there will be hell to pay...

That's how the lady explained it to me ..still M&F but Hollard took over the management of the claims but I could double check

[Family_Dog]

If I remember, I will ask my broker tomorrow, but really, that does not sound correct to me.


-F_D

[Sebata]

i have never had problems with M&F, i find them very efficient,

as for Standard bank home owners Insurers, they are a bunch of incompetent, my case with them for a burst pipe ended up on twitter & Ombudsman had to intervene........

[Family_Dog]

Stef, I spoke to my Broker today and she stated they have no knowledge of Hollard managing M&F's affairs. She actually laughed at this and said M&F is about 1000 - no, 2000 times larger than Hollard, so why would they do that?


Must say I would change to Tuff Stuff in a flash if that ever happened, but at this stage there is no justification for me to change from M&F. They even recover vehicles from across the border now, if need be.


-F_D

[Oupa Stig]

Guys, it boils down to reading and UNDERSTANDING your contract.
Mate of mine parked his Hummer to close to the high tide mark in Namibia, Hummer went swimming, Outsurance sent flatbed, colected Hummer, brought to SA, assessed it, wrote it off, and paid him out.

Because he understood what he paid for.

[Stef]

Stef, I spoke to my Broker today and she stated they have no knowledge of Hollard managing M&F's affairs. She actually laughed at this and said M&F is about 1000 - no, 2000 times larger than Hollard, so why would they do that?


Must say I would change to Tuff Stuff in a flash if that ever happened, but at this stage there is no justification for me to change from M&F. They even recover vehicles from across the border now, if need be.


-F_D

Just got my summary of Insurance, seems it is hollard now....so I wonder what happened...it used to be M&F...

[Scott]

Stef you must name the insurance so we know who to stay away from.

[zepplin]

I can tell you to stay faaaar away from Prime Meridian!!!!!!!!!!

[Family_Dog]

You might want to check this with your broker, it seems you have been switched over to Hollard without your consent - not good. I received my new M&F policy a week or two ago, still M&F.


-F_D

Stef, I spoke to my Broker today and she stated they have no knowledge of Hollard managing M&F's affairs. She actually laughed at this and said M&F is about 1000 - no, 2000 times larger than Hollard, so why would they do that?


Must say I would change to Tuff Stuff in a flash if that ever happened, but at this stage there is no justification for me to change from M&F. They even recover vehicles from across the border now, if need be.


-F_D

Just got my summary of Insurance, seems it is hollard now....so I wonder what happened...it used to be M&F...