Best Insurance

[dj_jyno]

Santam or Discovery.

 

[Avbob se stoep]

Tried a few insurers before moving to them.

Had a few claims over the years the first claim happened within the first week of switching over to them within the same week money was on account so couldnt have had better service.
Claims ranged from cars to house hold items ZERO issues

Thanks, this is interesting. Do you want to divulge under which institute you are registered, for interest sake. I always see you on financial threads, making me wonder.

 

[Cius]

PPS if you qualify

I was with PPS short term for a while. Really amazing claims process via Hollard, their underwriter. Had some major claims that where great and effortless, but last year they put through a major price hike (15%) on my premium with no real reason. My claims where long ago and the expensive one was zero fault on my side and reclaimed from the other driver. Tried to negotiate and they where really rude and said no unless I increased my excess. They have made so much money off me in the last 5 years it was disappointing. Switched to discovery and could not be happier. Not only was my car and content insurance R500 cheaper than the PPS price but I also get cash back of about R1200 per month between me and the wife's car drive rewards. Effectively cuts my insurance costs from R3200 at PPS to around R1500 with discovery. I have yet to claim from them but I have family and friends with them who have claimed with no issue. So I am a big fan. The spyware on your car via their telematic device at first seemed a bit extreme but honestly it has made me a better driver and rewards me for it with cold hard cash so I have become a supporter of it.

 

[Snyper564]

Thanks, this is interesting. Do you want to divulge under which institute you are registered, for interest sake. I always see you on financial threads, making me wonder.

No need for institution straight bcom was sufficient when registering

also changed property insurance to them after outsurance did a 50% increase

Dont just accept your premiums

Got this awesome surprise from outsurance this morning. 52% increase. 30% increase on my excess. Please note building cover is significantly more than home value :P Waiting for their update. PPS has the rest of my business. Can do the same but no excess for R780... Chow outsurance...

mybroadband.co.za

 

[Hemi300c]

Use a Broker

 

[BuckRogers]

Santam looks for a reason to pay. The others looks for a reason not to pay. Don't fall for a small premium saving and when you need them you are in trouble.

 

[The_MAC]

Have been pretty happy with Momentum. Unfortunately had a few claims (House and Home) over the last few years, and they have been pretty efficient.

 

[Pho3nix]

King Price about to be tested.

Initial signs are not great. You go to the trouble of filling out a claim on their application and it is worthless until some contact centre drone deigns to call you and repeat everything again. This time they failed to call (being South Africa, there is no voicemail or text message either, way too much trouble clearly).

Incident happened on Friday night, I called this morning to share a new piece of information (police report number) and found nothing at had been done but their system records that an attempt to contact me was made.

At every turn you're condescended to in being reminded of Ts&Cs - some sort of snivelling attempt to decline the claim.

Not too be a dick but there is a reason they’d be cheap. Friend had to go ombudsman to get paid out.

Let us know how it goes

 

[nazmo]

I was auto and general and they been decent. they let me choose my panel shops and claim approvals is effortless. but they have been increasing premiums and iv been fighting the cost for too long so switched to Santam. They giving me better rates at similar excess. I even have 800k worth of home goods insured WITHOUT specifying. so my PC, phone, bikes. all covered and i dont need to specify. Even mobile goods like rings and phones/bikes if you robbed. This is a premium service you get if you insuring a certain total.