BEWARE OF PSG INSURE !!!

STAY AWAY FROM PSG INSURE!!! Customer care is non-existent. What a disappointment. To condense a painfully tedious experience I submitted a claim for repairs to my gearbox driving on our dreadful dirt roads after the torrential rain we had in Polokwane, Limpopo. My insurance contract states “LOSS OR DAMAGE TO THE INSURED PROPERTY ANYWHERE IS THE WORLD, CAUSED BY ANY ACCIDENT OR MISFORTUNE NOT EXCLUDED. I sent an email to PSG asking how to submit a claim in the 27th of January 2026. Off the bat I was told the damage would not be paid out as I was not involved in an accident. I proceeded to ask what their definition of a misfortune is as nowhere does the contract specify this and gearbox damage due to driving on our almost undriveable road I would classify as a misfortune. There is no other way for us to get to work and back home again. My question was completely ignored. The mechanic that replaced the gearbox bearings and welded the encasing stipulated that this was caused by something hitting the bottom of my car. I submitted the invoice of R 6 300, photos of the road, WhatsApp’s on our plot group of all the complaints about the road and their car damage etc. I reached out to Hello Peter as I was so dumbfounded by the reaction of PSG. Suddenly I was contacted by PSG to supply additional information. I could give a photo or the bearings but not the welded encasing as someone on the plot group suggested I claim from the insurance, as they did. But an assessor was sent to check the car. He took all of 5 minutes to make a call. Didn’t bother to get under the car to take photos. The mechanic said he would clearly have seen the welding on the encasing. Not I or the mechanic was contacted after the assessor had been to check the car. I heard nothing. So, I followed up and was told they are waiting for photos from the mechanic of the welded encasing. What purpose does the assessor play if he just stands looking at the car and then leaves again? I was very unhappy by once again the very poor service. Eventually I was told, after I followed up at least twice that the assessor was submitting his report. Again, I followed up and was told it could take 8 days for the result. Now having worked in corporate for many years, had my own business and was involved with sales I have seen that when a customer/ client is so unhappy we pulled out all the stops and expedited the issue to have it resolved as soon as possible to avoid negativity that could be reflected on us. It appears that PSG have become too complacent perhaps due to so many complaints. It’s the 23rd of February and I still have had no joy except an email stating the following “We are still awaiting feedback from the insurer regarding the rejection letter referred to them for approval, and this has unfortunately prolonged the process.”. I immediately responded at 9:58 am this morning asking what rejection letter they were talking about and received no response. Needless to say, I am shopping around for an alternate insurance company and would like to warn anyone to beware of PSG INSURE. I’ve wasted so much time on this. I am 61 years old and have submitted exactly 3 claims in my entire life, only 1 being a car claim over 20 years ago. Thank you, Hello Peter, for this platform or no one would be the wiser.