Guardrisk Insurance
Verified Business
|1.6|44 Reviews (last 12 months)|Responds in 28h 1m
Guardrisk Insurance
Verified Business
|1.6
44 Reviews (last 12 months)
Responds in 28h 1m
AI Review Summary
Based on recent customer reviews, Guardrisk Insurance is drawing significant frustration from policyholders, particularly around claims handling for cellphone, motor, gap and warranty products underwritten on behalf of partners such as Techsured, Viva Cover, Huawei Care, Admed and Traffic. Customers consistently mention rejected claims citing exclusions like 'no force used' during theft, prolonged delays in feedback, and unauthorised or unexplained debit orders. A recurring theme is poor communication and difficulty reaching consultants. Positive sentiment, while less common, highlights specific agents who resolved matters professionally and restored confidence.
Performance(last 12 months):
Trustindex Rating
3.2Ranked In Insurance
#93Reply Time
28h 1mNPS Score
-68Unlikely
Replied to 100% of negative reviews
Reply time on negative reviews: 25h 42m
TrustIndex
3.2
Ranking
#93
in Insurance
Reply Time
28h 1m
NPS Score
-68
Recommended: Unlikely
Replied to 100% of negative reviews
Reply time on negative reviews: 25h 42m
Review Distribution
1.6|44 Reviews
Jul '25 - Jun '26
Recent reviews (44)
Used this business recently? Share your experience to help others decide.
Used this business recently? Share your experience to help others decide.
Share Your ExperienceA
Anonymous
1 reviews | Active since Jan 2020
28 May 2026, 11:42
Extremely Poor Service – Unresolved Policy Cancellation and Ongoing Deductions !
I initially requested the cancellation of my policy in October 2025, yet as of 28 May 2026, deductions are still being made from my payslip. Despite several follow-ups and being asked to provide my banking details for a refund, no refund has been received and the deductions have not been stopped. Communication throughout this process has been poor, with repeated messages going unanswered. I am extremely disappointed with the level of service received. I entrusted this company with an important matter expecting professionalism and reliability, but instead have experienced delays, lack of communication, and no resolution. To date, the issue remains unresolved. I am still waiting for confirmation that the policy has been cancelled, a timeline for my refund, and written confirmation that all deductions have stopped. This has been a frustrating and unacceptable experience.
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Anonymous
1 reviews | Active since Jan 2020
28 May 2026, 11:42
Extremely Poor Service – Unresolved Policy Cancellation and Ongoing Deductions !
I initially requested the cancellation of my policy in October 2025, yet as of 28 May 2026, deductions are still being made from my payslip. Despite several follow-ups and being asked to provide my banking details for a refund, no refund has been received and the deductions have not been stopped. Communication throughout this process has been poor, with repeated messages going unanswered. I am extremely disappointed with the level of service received. I entrusted this company with an important matter expecting professionalism and reliability, but instead have experienced delays, lack of communication, and no resolution. To date, the issue remains unresolved. I am still waiting for confirmation that the policy has been cancelled, a timeline for my refund, and written confirmation that all deductions have stopped. This has been a frustrating and unacceptable experience.
0
Replies (3)A
Anonymous
1 reviews | Active since Jan 2020
7 May 2026, 10:21
Techsured the worst insurance administrators ever (STAY AWAY)
Techsured is the worst insurance administrator I've ever came across. Submitted a claim 24.02.2026 and it was declined unfairly a month later 23.03.2026. I escalated the rejection to the underwriter Guardrisk on the 30.03.2026 I only got assisted on the 29.04.2026 by (Lindokhuhle Vundla) who gave me good news stating that they are overturning the rejection an email will be sent to Techsured. I called Techsured they confirmed they received the email from Guardrisk and have escalated the claim to Techsured management to approve the claim on their system till to date my claim is still declined on their system. I don't recommend anyone to insure their cellphone with Gaurdrisk cell phone insurance administrated by Techsured. They are quick to debit, their service is **********, they dont return follow up emails. I don't understand why Gaurdrisk choose Techsured to look after their clients I guess both companies don't care about their clients experience when claiming they just in it for the money and cheating clients off their premiums.
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Anonymous
1 reviews | Active since Jan 2020
7 May 2026, 10:21
Techsured the worst insurance administrators ever (STAY AWAY)
Techsured is the worst insurance administrator I've ever came across. Submitted a claim 24.02.2026 and it was declined unfairly a month later 23.03.2026. I escalated the rejection to the underwriter Guardrisk on the 30.03.2026 I only got assisted on the 29.04.2026 by (Lindokhuhle Vundla) who gave me good news stating that they are overturning the rejection an email will be sent to Techsured. I called Techsured they confirmed they received the email from Guardrisk and have escalated the claim to Techsured management to approve the claim on their system till to date my claim is still declined on their system. I don't recommend anyone to insure their cellphone with Gaurdrisk cell phone insurance administrated by Techsured. They are quick to debit, their service is **********, they dont return follow up emails. I don't understand why Gaurdrisk choose Techsured to look after their clients I guess both companies don't care about their clients experience when claiming they just in it for the money and cheating clients off their premiums.
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Replies (0)A
Anonymous
1 reviews | Active since Jan 2020
7 May 2026, 01:48
Denied insurance claim
They're a bunch of ****mers. Lost my phone in town while having my son on the back and carrying plastics-easy target. They didn't approve my claim. Lost my money just like that. Unemployed, using grant money to pay thinking that I am taking a bold move but dololo. 2022 to date I have been paying. ****mers these ones. DO NOT TAKE THEIR NONSENSE POLICY
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Anonymous
1 reviews | Active since Jan 2020
7 May 2026, 01:48
Denied insurance claim
They're a bunch of ****mers. Lost my phone in town while having my son on the back and carrying plastics-easy target. They didn't approve my claim. Lost my money just like that. Unemployed, using grant money to pay thinking that I am taking a bold move but dololo. 2022 to date I have been paying. ****mers these ones. DO NOT TAKE THEIR NONSENSE POLICY
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Replies (0)A
Anonymous
1 reviews | Active since Jan 2020
4 May 2026, 13:32
Bad service
Since I logged a dispute and was told someone will get In touch with me but even now nothing. Yall are nothing but ****mers. I will never ever use you and I will make sure so as my household, cause we all insured our huawei's with you. We will be canceling. My policy number is VLM-63584617-1
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Anonymous
1 reviews | Active since Jan 2020
4 May 2026, 13:32
Bad service
Since I logged a dispute and was told someone will get In touch with me but even now nothing. Yall are nothing but ****mers. I will never ever use you and I will make sure so as my household, cause we all insured our huawei's with you. We will be canceling. My policy number is VLM-63584617-1
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Replies (0)A
Anonymous
1 reviews | Active since Jan 2020
4 May 2026, 08:39
MRP & GUARDRISK - Together in ****ming their clients
Submitted a claim on MRP account which Guardrisk underwrites. They say they will take 2 weeks to finalize a claim that has all claim document submitted LAST WEEK!!!!!!! Do not take the MRP insurance, it is a ****!
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Anonymous
1 reviews | Active since Jan 2020
4 May 2026, 08:39
MRP & GUARDRISK - Together in ****ming their clients
Submitted a claim on MRP account which Guardrisk underwrites. They say they will take 2 weeks to finalize a claim that has all claim document submitted LAST WEEK!!!!!!! Do not take the MRP insurance, it is a ****!
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Replies (0)A
Anonymous
1 reviews | Active since Jan 2020
20 Apr 2026, 13:50
DON'T TRUST GUARDRISK SCRATCH AND DENT COVER
I paid scratch and dent cover up to date I called to claim they sent paperwork filled in as instructioned mailed back took in the car to the dealerships as per the instructions they didn't pay I had to pay the dealership out of my pocket I called to follow-up several times the was only excuses and no action I had to cancel their cover.
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Anonymous
1 reviews | Active since Jan 2020
20 Apr 2026, 13:50
DON'T TRUST GUARDRISK SCRATCH AND DENT COVER
I paid scratch and dent cover up to date I called to claim they sent paperwork filled in as instructioned mailed back took in the car to the dealerships as per the instructions they didn't pay I had to pay the dealership out of my pocket I called to follow-up several times the was only excuses and no action I had to cancel their cover.
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Replies (0)A
Anonymous
1 reviews | Active since Jan 2020
18 Apr 2026, 08:19
Don't trust Guardrisk, they LIE!!!
I was hit from the back by a guardrisk client. At the accident scene, the guardrisk agent blatantly **** to me and said that Guardrisk will take responbsibility for my car and tow it and assess it. Well, that was a lie and `i had to take my car out myself and pay for it. They have also rejected my 3rd party claim saying that their client was within safe following distance, how if he bumped me while I was stationary ? I have completely taken them off the list of potential Insurance providers for our fleet and I am not happy with their ************ dealings. Also taking this up with Wendy Knowler so that people are aware !
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Anonymous
1 reviews | Active since Jan 2020
18 Apr 2026, 08:19
Don't trust Guardrisk, they LIE!!!
I was hit from the back by a guardrisk client. At the accident scene, the guardrisk agent blatantly **** to me and said that Guardrisk will take responbsibility for my car and tow it and assess it. Well, that was a lie and `i had to take my car out myself and pay for it. They have also rejected my 3rd party claim saying that their client was within safe following distance, how if he bumped me while I was stationary ? I have completely taken them off the list of potential Insurance providers for our fleet and I am not happy with their ************ dealings. Also taking this up with Wendy Knowler so that people are aware !
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Replies (0)A
Anonymous
1 reviews | Active since Jan 2020
2 Apr 2026, 19:05
You have to be assaulted in order to get a replacement device, Watchout!!!!
I have had my HUAWEI insuarance for 3years and on the 27.02.2026 it was ****** in a bag that I was carrying on my way to work. When I claimed My claim was then rejected due to not being harmed when it was stollen. This puzzled me , wondering if what was meant was I was supposed to ask to be beaten to dearth or be in a critical condition in order to get a replacement device. I feel ****med by Huwei viva cover and the underwritter GUARDRISK. The cover, covers unforseen circumstances, which what happened to me was unforseen. The bag was in my posession and phobe was stollen outside my leptop bag. I looged a dispute to guardrisk on the 26.03.2026 but till today no assistance, that's how your customer's are being treated. You are no different from ****mers, you take premiums but when it's time to replace, you have excuses. My policy number is/was; 1905023
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Anonymous
1 reviews | Active since Jan 2020
2 Apr 2026, 19:05
You have to be assaulted in order to get a replacement device, Watchout!!!!
I have had my HUAWEI insuarance for 3years and on the 27.02.2026 it was ****** in a bag that I was carrying on my way to work. When I claimed My claim was then rejected due to not being harmed when it was stollen. This puzzled me , wondering if what was meant was I was supposed to ask to be beaten to dearth or be in a critical condition in order to get a replacement device. I feel ****med by Huwei viva cover and the underwritter GUARDRISK. The cover, covers unforseen circumstances, which what happened to me was unforseen. The bag was in my posession and phobe was stollen outside my leptop bag. I looged a dispute to guardrisk on the 26.03.2026 but till today no assistance, that's how your customer's are being treated. You are no different from ****mers, you take premiums but when it's time to replace, you have excuses. My policy number is/was; 1905023
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Replies (0)