MiWay Insurance review: Claim

Claim No: 1802530.

First and foremost, I was initially informed that an assessor would come to validate my claim. To my surprise, two assessors arrived, and I cooperated with them for over two hours. During our discussion, the lady repeatedly inquired about my activities before discovering the loss, leaving me feeling blank and unable to recall specifics. While I did go out on the date mentioned, I struggled to recollect the sequence of events.

Furthermore, when asked about photos of the items, I was surprised to learn that I had already sent them but was instructed to send them again to one of the assessors. Additionally, I was advised to avoid being underinsured and was requested to photograph my inventory. My primary concern pertains to the claim I lodged with MiWay. I was accused of dishonesty due to inconsistencies in my dates.

What I find perplexing though is that when I attempted to schedule an appointment with the assessor, I mentioned that my phone was broken but was uncertain about proceeding while still dealing with another claim. Amidst discussions about the alleged inconsistencies in my story, I was urged to withdraw the claim and terminate my insurance policy. When I inquired about my phone's status, considering I intended to file a claim but was unsure due to the pending claim, the gentleman advised that I could proceed with the claim despite withdrawing the other one, as they involved different incidents. I discovered that I was recorded without my consent, which struck me as unexpected, especially considering that they hold me to stringent standards while not reciprocating the same level of transparency.

Moreover, I was accused of failing to disclose losses from my previous insurer, which I know I did. For instance, the lady referenced a J7 claim from Outsurance, which I distinctly recall disclosing. I previously claimed for my broken phone with Outsurance, and they replaced it as they were unable to repair the screen. It's perplexing how I could be accused of dishonesty regarding this matter. I was bombarded with additional issues, such as my Guess watch claim.

The inconsistency between Tshepo's advice about proceeding with the phone claim and Amanda's differing stance adds to my frustration. Is there honesty and consistency in this scenario? It feels as though I'm expected to recall every detail flawlessly, akin to a computer.

At this point, I believe being denied the ability to claim for my phone is unjust. I feel victimized and that my privacy was violated by conducting an inventory when they knew that my insurance will be terminated.

I find it incredibly puzzling that I'm expected to be as flawless as a computer, especially when the assessor herself made scheduling errors. Initially, she proposed Friday, February 16, 2024, for our appointment, but then suggested Thursday, February 15, at 10:00. However, in her confirmation email, she mistakenly set it for Friday, February 8, at 13:00, and later corrected it to Friday, February 15, at 10:00. Yet, they arrived on Thursday at 10:00 instead. This inconsistency raises questions about honesty and reliability.

So, if an assessor can make multiple mistakes in scheduling, why am I, as the client, expected to be flawless?

Regards

Angel Tyumre

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