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Frequently Asked Questions

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Each matter is dealt with on its own merits and no precedent is created by our findings.

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Why pay several "excesses" in one incident

Why have we had to pay several "excesses" when the claim concerned only one incident?

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Returning Illness

It wasn't my fault that my angina flared up again during our holiday. Why won't the insurance company pay for my hospital visit?

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Unfair repudiation

If I feel that my insurer's repudiation of my claim is legally wrong or absolutely unfair, how should I complain? The insurers allege that my claim is time-barred/ reported late/prescribed. What does this mean?

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Late claim

The insurers allege that my claim is time-barred/ reported late/prescribed. What does this mean?

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What other free assistance is available?

Is the Ombudsman for short-term insurance the only free assistance available to me?

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Loosing no claim bonus

I was completely innocent in the road accident which smashed up my car. How come I now have to lose my no claim bonus?

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Paying excess even if it is no my fault

In that same accident which was completely the fault of the other driver, I had to pay the excess on my policy. I asked my insurer to recover the excess for me, but it is not prepared to do so. Is this right?

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Neighbour caused damage

Some tiles have been blown off my neighbour's house and smashed up my car. Surely it must be the neighbour's responsibility to pay up for the damage?

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Car value

I paid thousands of Rands more for my car than the insurance company is offering now it has been written off. Why is this?

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Stolen car, insurance company repudiating

My car was stolen notwithstanding that it had an immobiliser/gearlock. Why is the insurance company still repudiating?