Hi I have taken out an insurance a life insurance policy and dissability policy for myself and my wi…

Hi I have taken out an insurance a life insurance policy and dissability policy  for myself and my wife in 2013 with a broker for discovery health. In 2015 I had an incident at work were I was held up and assaulted  and suferred with major depression and had submitted a claim under my dissability which was going on and I was being treated for over 1 and a half years but in the interim I suffered from another condition of loss of vision and submitted another claim as my policy stated I was covered for 5million per dissability.  The insurer had first accused me of fraud and I was found not guilty of any fraud after there investigation and in the mean time prolonged my claim to prove my medical condition but had  my second claim which was straight forward and medical reports showed clearly I suffered from a dissease which caused me to suffer loss of vision in both eyes leaving me unable to perform or carry out my job. I was told that the first claim needed to be concluded before they look t the second. I then reffetered the matter to the oumbudsman and after months they had declined my claim and cancelled my policy due to non disclosure, I requested the insurers initial forms which the broker had filled in as t my knowledge had been honest and disclosed to him past medical conditions and to finish find out that he had not answered the question and do d not tick the box were it state yes or no so the oumbudsman ruled in favour of the insurer and cancelled the policy refunding me of my premiums which was at that time R10000 pm. My argument was how did the policy be accepted and gone through underwriting if the form had been incomplete but the oumbudsman had closed the case sayng they had already made a rulling. My Point is why did the insurer accept the policy and cover of the question on the form was filled out by the broker had been incomplete and why does then the broker get away with this or the insurer having accepted the policy in the first place being incomplete for such a big policy as my life cover was R10 million and disability was R5 million per dissability and my wife’s was had the amount I was covered for. My question. Is, If my broker had filled in the form and I was just asked to sign qwhe the him not ticking a box in the questionnaire relating to my medicals is this negligence on my side or he’s and why was the policy accepted being incomplete by the insurer and is there any way I can sue the broker then for this . 

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On the 8st of December 2019 I was approaching a red robot coming from Home affairs side, then I slow…

On the 8st of December 2019 I was approaching a red robot coming from Home affairs side, then I slowed down toward the red robot. The Bidvest vehicle had been stopped already by the same red robot I was approaching.  Before I could come to a stop the robot turned green and opened up for me then I proceeded to drive through. The Bidvest vehicle did not wait for me to drive through first before making a turn but he drove into my way and then we collided. So Now his insurance is refusing to cover the costs. Afer the driver has admitted. he was at fault. Can you help me make these guys fix my car.  

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My father passed away in 2006 due to natural causes. My older half sibling claimed for his share 60%…

My father passed away in 2006 due to natural causes. My older half-sibling claimed for his share (60%) in 2007, he received his payout between 2007 and 2010, in lump sums. At that time, I was still a minor,nothing of mine was submitted. After I turned 18, I made my own enquiries and uncovered that the 40% that was supposed to be mine was paid out to an unknown individual.My father worked at Lubners furnishers, under Ellerines. Those companies have since closed down down in 2014 and have ceased to exist. I contacted Momentum because they were the funds administrators.I believe Momentum acted negligently into not properly investigating that the deceased did not have any other dependants and/or confirming any relations of the person who received the 40%. What further steps can I take for further investigations, or to assist my complain against the company.

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Good day I had an incident where a lady’s car was parked in the street and i proceeded to overtake h…

Good day 

I had an incident where a lady’s car was parked in the street and i proceeded to overtake her, as I was overtaking her she turned and knocked into my car. No indicator or hazard lights were on. The lady admitted fault and said that we should submit the claim to her insurance. All necessary documents were submitted to her insurance. Today they rejected my claim stating that there is no proof that her indicators were not on. What can I do regarding this?

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Hi there The pool maintenace people recently came to give us a service aftewards the lady drove her …

Hi there – The pool maintenace people recently came to give us a service aftewards the lady drove her car out at which point an accident happened : her hyundai ix35 was scratched by the automated gate when she was reversing. I was there to admit that shortly after i saw them drive out i went into the house to drink some water and I heard a car hooter outside I thought that it was lady letting me know that she is out of the driveway . I closed the gate while inside the house and after about 3 seconds I went to the door to see if the gate is closed-only to find the gate closing in on this car and it was too late to stop either one .Please note the following facts as backgground : the hyundai ix 35 belongs to the lady`s husband and it is under finance with tthe bank but there is no car insuarence, furthermore the lady says that her husband is retrenched. I , the respondent am also facing a difficult financial position because I am unemployed and without a place to stay. I have been given one quotation from a local Hyundai accredited panelbeater but it is too expensive and I have suggesteed to the aggrieved party to shop for cheaper quotations but they are not cooperating – Please advise what are my rights and how can I proteect myself from being ripped off ? hope to hear from you thanks –

Karabo 0673879259 bonolokarabomodiboa@gmail.com

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Hi! A student bumped into my son’s car, but his insurance company doesn’t want to pay for the third …

Hi! A student bumped into my son’s car,  but his insurance company doesn’t want to pay for the third party claim. I think it’s because he drove under the influence of alcohol. Can my son open a case at the court for small claims for the damage to his car?

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We recently goy into a minor accident however we are uninsured and the other driver has insurance. N…

We recently goy into a minor accident however we are uninsured and the other driver has insurance. Now the insurance is claiming R19 000 from us. We do not believe damages are that bad as impact was not that hard and when she got out of the car she said she just fixed her car. How do we know that we are not being blamed for previous damages?  The insurance is demanding and harrassing us to pay via debit order but my husband is unempolyed as he was the driver. I myself am only working on fixed term till April.

We cannot afford repayments nor a lawyer.

Please advise?

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