Up s**t creek without a paddle...

Xperia said:
By this stage I have missed 2, when the accident happened I had missed 1
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Have you spoken to them nicely? If it's only a month, maybe they're willing to meet in the middle somewhere?
 
Tander said:
Have you spoken to them nicely? If it's only a month, maybe they're willing to meet in the middle somewhere?
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I have hey, they won't entertain it at all. I have however been to my lawyers who are looking into the matter.
 
Xperia said:
I have hey, they won't entertain it at all. I have however been to my lawyers who are looking into the matter.
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If I am totally honest - your lawyers are not going to be able to help at all either. If your insurer says that non payment ='s no cover (Which they all do) and they won't "help you out" - then there is nothing you can do as you breached the contract. At the end of the day - these insurance companies are there to make as much money as possible and not care about their customers all that much.

How long have you been with them?
 
Tander said:
If I am totally honest - your lawyers are not going to be able to help at all either. If your insurer says that non payment ='s no cover (Which they all do) and they won't "help you out" - then there is nothing you can do as you breached the contract. At the end of the day - these insurance companies are there to make as much money as possible and not care about their customers all that much.

How long have you been with them?
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I joined up with them just short of 2 years ago. I figured the insurer wouldn't be much help, so the lawyers are writing all the necessary letters to the guilty party as well as his insurer etc.
 
Who are you insured with? Who is this company that does not let a client know that a debit order has not gone through?
 
Remember to explore the Ombudsman avenue as well...

http://osti.co.za/motor-accidents.html
Non-payment of premium

On 6 April 2002, a husband and wife jointly purchased a BMW 316 and signed a debit order. Two days later, on 8 April, the insurer cancelled the insurance pursuant to a telephone conversation between a clerk and the insured. On 26 April the vehicle was taken for a Netstar fitment. A collision occurred on 2 June and the insu*rer rejected liability because no pre*miums had been paid subsequent to the first installment.

It was pointed out to the insurer that the cancellation of the policy on 8 April was more than likely a bureaucratic bungle on the part of the insurer, because the probabilities indicated that it was most unlikely that a person would buy a new car and two days later cancel the insurance, and yet two weeks later incur the expense of a Netstar fitment. Furthermore, the insured’s, at all material times, had sufficient funds in their bank account to pay the premium, if debited. The insurer agreed to admit the claim.

Source: Ombudsman Newsletter : 02/03
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http://osti.co.za/theft/hijacking.html
Non-payment of premium

The Insured acquired a second hand Nissan Hard Body valued at R85,500, with the assistance of Wesbank and took out Comprehensive cover as required. The monthly premium was R544.54. After four months the Insured omitted to pay the premium on 1st March 2002 and when the Debit Order was returned unmet, a double Debit was done on 1st April 2002 only to be returned as a result of insufficient funds. On 28th April 2002, the Insured, who was driving the Nissan Hard Body in Tembisa, was hijacked. Two days later the Insured deposited R530, which was in any event not sufficient to cover the outstanding premiums. The Insured’s claim was rejected and he was faced with a claim from Wesbank for the balance due under the Finance Agreement.

The Ombudsman could not assist the Insured because at date of the loss, two months’ premium had not been paid, and the 15 day grace period in terms of the Policyholder Protection Rules having expired, and in any event, the payment two days after the loss was insufficient to cover the arrear premium payments.

Source: Ombudsman Newsletter : 02/03
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There are various factors that determine the outcome, and seemingly there is a 15 day grace period for example.
 
supersunbird said:
Remember to explore the Ombudsman avenue as well...

http://osti.co.za/motor-accidents.html


http://osti.co.za/theft/hijacking.html


There are various factors that determine the outcome, and seemingly there is a 15 day grace period for example.
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Yes, there is a 15 day grace period, however that had passed by the time I filed my claim, without the insurer informing me of the bounced debit order. They authorised the tow of the wreck and had to pay that, but have repudiated (or rather, thrown out) all other claims.
 
Xperia said:
Nope, I have no correspondence of that nature, but apparently they don't need to inform..
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Then isn't this partly their issue - for not notifying you that payment had not gone through?
 
Xperia said:
Alexander Forbes
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Now it makes sense. I had my car insured by BMW finance, which ended up being underwritten by Alexander Forbes. Having experienced their service, I wouldn't advise anyone to use them.

I recently switched away from them and I'm now trying Virgin Insurance.
 
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