Another bad insurance experience!

Our company's fleet are insured with VAPS. We had a fire in December 2022 where the building and contents were demolished. Two forklifts and a trailer are claimed for but to date none of them are honoured. They make rediculous rulings, ie: 1 forklift was insured for R80 000 but they offer me R13 000 as settlement. None of their management wants to get involve, answer a phone call or an e-mail. The only thing they did immediately was to increase our premium due to "high risk".