Active since Dec 2019
My fridge died due to loadshedding and I called Discovery, followed the process and submited a claim on the 07th April 2025. I have been asked how did this happened by 2 people, on separate phone calls and i was assigned an assesor who sent me a consent form to allow them to search if i have insurance elsewhere and if im not trying to hassle money from others also. My kids ID numbers were also requested to check if i dont have household insurance under their names. I agreed and i filled up the form. I was called again on Thursday the 10th at 13h00 to go through 10 questions and be asked again what happened, if I have proof that there was indeed load shedding and I went along and answered questions and submitted my proof. I was promised I will know by Monday the status of the claim. Monday I get a call they are waiting for King Price to send them my Car Insurance policy so that they can scrutinize it and check what is it for. I told him I can send the policy agreement myself which I did. Today 15 April I get a call and he says he went through my policy with Discovery and it looks like I'm under insured, the policy only covers R280K of my household, how much do I think my contents are worth, I tell him its more than that, but I covered for what I know is vital for my household. He then asks me to fill up a form, he will send it through. Its called an invetory list and send it back today so that going forward they can fully insure my household contents. I asked him is this going to be used to determine my current claim or not, he said NO, this is for future. I agreed and filled in the form my total cover as per form came to R500k, adding up my furniture and bedding and all the electricals. I sent it back to Discovery. I get a call and I'm told because of the form that I filled today on the 15 April 2025 which shows that I'm under insured my claim wont be paid in full. This right here is a game that they played, to trick me into filling a form that will have me ending up with a profile of being under insured, and with that my claim wont be fully covered. I have been without a fridge for over 5 days waiting for Discovery to investigate and decide whether I deserve to be covered or not and after all the waiting and all the calls and the forms I'm told because I only agreed to be covered for R280K, I will not be covered in full for the fridge. My question is do I have a say in what must be covered for, as household contents or is it decided for me? I only need cover for electricals I was not lookign for cover for my beds, my side table,sofa or my cutlery. From the 07th to the 15th I still dont know what is the status of my claim, he is going to talk to his manager and she the manager might not be in now as it is already late. My assesor's name is Thabiso Modibedi, Desktop Claims Assessor Discovery Insure my claim number is 3754414.
My debit date is the 01st of the month but for some odd reason discovery only debits after the 01st mostly on the 2nd. I had a chat on their website on the 01st midday to change my debit order date to the 28th as i cant have the inconvenience this is causing me. The lady on the chat advised if the debit order for April does not go through in 24hrs she will force push it, i agreed and we changed the date to the 28. 2nd Apr im debited twice R4K unbudgeted. I called Discovery today at 10:34 the call was for 18min 43 seconds, to ask what is going on and I was not assisted at all. She said the reason Im debited twice according is because I changed debit order dates. She said when you change the date you must pay the 2 months in advance and there is no other option, either I take the double debit or I change back and endure the inconsistency of being debited after the 01st. Trying to understand the logic behind paying 2 months in advance was useless, she kept on saying thats how it is, and there is nothing she can help me with. She could not help me with reversing the 2nd debit order because it takes 3 days before they see it on their side so I must wait. The only option i was given was to change back to the 1st and wait 3 days for the refund to be send for processing.
My order has been out for Delivery since 24th with no one to talk to about follow up. The service provider SkyNet is useless the number just rings. Samsung whattsapp you talk to a BOT and the call center/Customer care line just for minutes on end with no one on the other line to even pick up. Its been 3 days the status has been out for delivery, till today. Even now i just go a 3rd message of the same thing.
Bad service my delivery has been on the way since the 24th December. Their line is not going through, i have been trying to call since yesterday. The status is delivery is out and i get sms in the morning but no delivery for 3 days in a row. The guy called me on the 24th around 18h00 asking if im home, i said yes and he said he will call when he is close by. No calls since then that was it.
Was assisted with my query by Rameez Amanjee
The manager who is in charge of Helloise complex is always citing with the trustees who are not fair and not doing things to bettter the complex but to bully and oppress the residents. The trustees have been in power over 10yrs and year in year out we have complaints of the same person. The property they are managing is in a delapitating state. It is dirty walls are falling, roofs are falling, there are no parking lines, humps are delapitating. they use the same suppliers to fix the gate every month. They are bad at managing this complex and its evident in the state of the complex. The complex does not even have Original plans, they were since burned. Property managers should manager the properties to better them and allow change. Not the opposite. They charge owners every month plus minus R200 to open a file if you have a balance , every month they charge that fee.
My claim for an oven that is not working was rejected because according to the consultant the stove is part of the building becasue the cupboards are built around it. According to my understanding and after going through the policy numerous times to see where those terms are highlighted , which I couldnt find anywhere, I don't believe that the stove is part of the building because when this property was purchased it did not come with the stove only build in cupboards i purchased the stove separate. And the fact that it depends on where your stove is placed for Discovery to cover it I believe it is an unfair rule which is bias and only favours those individuals with big enough kitchens where they can place the stove in the middle of the kitchen. I also asked the consultant what are the reasons and she said if the house should be upside down the stove wont fall and 2 all equipment attached to the wall are regarded as building and not content with the exception of stoves and microwaves even though they can be attached to the wall. Her name is R Mateme on the 13th October 2023.
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