Originally I signed up for a comprehensive car insurance policy with Miway on which I stated that I wanted my excess to be no more than R1000. About a year later, I called them when I received notification of an increase on my premium. Telephonically, I asked the consultant if we can review the policy and look at a smaller premium. She adjusted my car rental from 30 to 20 days and also spoke to her manager. After speaking to the manager, my premium was adjusted to a lower amount. She e-mailed the updated documents to me.
When I submitted a claim about 9 days later for a very minor accident resulting in a few scratches on the car's paint, I was immediately informed that my excess was now R3000. I was shocked at this information and was told I should have gone through my policy documents. This is a good excuse to hide behind, but I feel that when you adjust something as extremely important as an excess on a client's policy to supply a reduced premium, you should at least inform the client while you are speaking to them on the phone of any changes.
Now I am dealing with a claim whereby my insurance is basically going to be useless to me as a result of the ridiculous excess amount.
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