We had an accident in Botswana on our honeymoon in our 4x4. Following this there have been several serious issues that we are struggling to resolve around the value of the vehicle, which has many accessories, the faculty document says are covered, but not taken into consideration. In addition the type of Toyota is captured incorrectly on the policy document so that:
- Real street value of the vehicle: R130, 000
- Book value of our actual vehicle: R62, 900
- Book value of the vehicle Outsurance have us recorded as: R31, 800
The cost of repairs is going to be circa R20, 000... so they are claiming that the vehicle is a write off and say they are only prepared to pay out 29.84% of the retail value they have on their books (our insurance is comprehensive at Retail value). They are also not responding to our requests for access to how these percentages are calculated. Surely it can't be right they are only prepared to pay out R9, 844 on vehicle that is actually worth R130, 000 due to their own administrative error? They are checking the call, but our requests for audio copies of the call ourselves are being ignored. Help us save our lovely vehicle!!
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