Viva Life Insurance Limited
Verified Business
Viva Life Insurance Limited
Verified Business
13 Reviews (last 12 months)
Responds in 398 hours 29 min
AI Review Summary
Based on recent customer reviews, Viva Life Insurance Limited faces significant criticism primarily related to its device insurance product administered through Huawei Care. Customers consistently report delayed or declined claims, unresponsive communication, and frustration with documentation requirements that appear to change after policy inception. Several reviewers describe paying premiums for extended periods without successful claim outcomes. Concerns about policy transparency, excessive excess charges, and unfair forfeiture clauses have also been raised. Positive feedback is limited to a few interactions with specific customer service agents praised for their helpfulness and product knowledge.
Performance(last 12 months):
0Trustindex Rating
#49Ranked In Insurance
398h 29mReply Time
-100 NPSUnlikely
Replied to 78% of negative reviews
Reply time on negative reviews: 390 hours 48 min
TrustIndex
0
Ranking
#49
in Insurance
Avg Reply
398h 29m
NPS Score
-100
Recommended: Unlikely
Replied to 78% of negative reviews
Reply time on negative reviews: 390 hours 48 min
Review Distribution
2.2|13 Reviews
Jun '25 - May '26
5(33.3%)
4(0%)
3(0%)
2(0%)
1(66.7%)
5(33.3%)
4(0%)
3(0%)
2(0%)
1(66.7%)
Frequently Asked Questions About Viva Life Insurance Limited
Based on recent customer reviews, Viva Life Insurance Limited faces significant criticism primarily related to its device insurance product administered through Huawei Care. Customers consistently report delayed or declined claims, unresponsive communication, and frustration with documentation requirements that appear to change after policy inception. Several reviewers describe paying premiums for extended periods without successful claim outcomes. Concerns about policy transparency, excessive excess charges, and unfair forfeiture clauses have also been raised. Positive feedback is limited to a few interactions with specific customer service agents praised for their helpfulness and product knowledge.
Viva Life Insurance Limited has a TrustIndex of 0 out of 10 on Hellopeter, based on 13 reviews in the last 12 months. They reply to 78% of negative reviews, typically within 390 hours 48 min. Hellopeter has tracked Viva Life Insurance Limited across 114 total reviews. How is the TrustIndex calculated? →
Recent reviews (13)
Used this business recently? Share your experience to help others decide.
Used this business recently? Share your experience to help others decide.
Share Your ExperienceMM
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Malesela M
1 reviews | Active since Jan 2020
27 Feb 2026, 17:47
Compliance Concern: Device Insurance Policy Transparency & Fairness
I am raising a compliance and consumer transparency concern regarding a device insurance policy administered by Viva Cover (Pty) Ltd (trading as Techsured) and underwritten by Guardrisk Insurance Company Ltd . After reviewing the full policy wording against the FAIS Act and the Policyholder Protection Rules (PPR), particularly within the Treating Customers Fairly (TCF) framework, several provisions raise material fairness considerations. Effective 40% Excess Within First 60 Days The policy applies: A 25% excess on all claims; and An additional 15% excess if a claim occurs within the first 60 days. This results in a potential 40% deduction from the claim value. From a TCF Outcome 3 perspective (clear and not misleading disclosure), the financial impact of this structure should be prominently and explicitly communicated at point of sale, as it significantly affects the value proposition of the product. Absolute 30-Day Forfeiture Clause The policy provides that failure to: Report a claim within 30 days; or Submit required documentation within 30 days results in automatic forfeiture of all benefits. This operates as a strict condition precedent to liability. In practice, such absolute forfeiture provisions raise proportionality considerations, particularly where minor or administrative delays may occur without prejudice to the insurer. Broad “Reasonable Precautions” Requirements The policy requires that devices must not be left in public places and must be safeguarded at all times. These clauses are broadly drafted and open to interpretation at claim stage. The concern is whether such wording may allow subjective assessment of precaution standards in genuine theft scenarios. Insurance products must not only be contractually enforceable — they must reflect transparency, proportionality, and fairness in application. I would welcome clarity from Viva Cover and Guardrisk on how these provisions are positioned to consumers at point of sale and how they align with TCF Outcomes 1, 3 and 6. Constructive engagement strengthens consumer confidence in the financial services sector. hashtag#Insurance hashtag#FAIS hashtag#TCF hashtag#Compliance hashtag#FinancialServices hashtag#ConsumerProtection hashtag#SouthAfrica
Helpful (0)
|Replies (0)MM
Malesela M
1 reviews | Active since Jan 2020
27 Feb 2026, 17:47
Compliance Concern: Device Insurance Policy Transparency & Fairness
I am raising a compliance and consumer transparency concern regarding a device insurance policy administered by Viva Cover (Pty) Ltd (trading as Techsured) and underwritten by Guardrisk Insurance Company Ltd . After reviewing the full policy wording against the FAIS Act and the Policyholder Protection Rules (PPR), particularly within the Treating Customers Fairly (TCF) framework, several provisions raise material fairness considerations. Effective 40% Excess Within First 60 Days The policy applies: A 25% excess on all claims; and An additional 15% excess if a claim occurs within the first 60 days. This results in a potential 40% deduction from the claim value. From a TCF Outcome 3 perspective (clear and not misleading disclosure), the financial impact of this structure should be prominently and explicitly communicated at point of sale, as it significantly affects the value proposition of the product. Absolute 30-Day Forfeiture Clause The policy provides that failure to: Report a claim within 30 days; or Submit required documentation within 30 days results in automatic forfeiture of all benefits. This operates as a strict condition precedent to liability. In practice, such absolute forfeiture provisions raise proportionality considerations, particularly where minor or administrative delays may occur without prejudice to the insurer. Broad “Reasonable Precautions” Requirements The policy requires that devices must not be left in public places and must be safeguarded at all times. These clauses are broadly drafted and open to interpretation at claim stage. The concern is whether such wording may allow subjective assessment of precaution standards in genuine theft scenarios. Insurance products must not only be contractually enforceable — they must reflect transparency, proportionality, and fairness in application. I would welcome clarity from Viva Cover and Guardrisk on how these provisions are positioned to consumers at point of sale and how they align with TCF Outcomes 1, 3 and 6. Constructive engagement strengthens consumer confidence in the financial services sector. hashtag#Insurance hashtag#FAIS hashtag#TCF hashtag#Compliance hashtag#FinancialServices hashtag#ConsumerProtection hashtag#SouthAfrica
0
Replies (0)MM
Mmule M
1 reviews | Active since Jan 2020
10 Dec 2025, 12:19
Scares by Huaweicares and viva cover
****!!! I ensured my Huwawei phone with Huaweicares/viva cover in 2023 September and i lost my phone end of November 2025 and they are refusing to replace my phone saying the claim is not valid as i was not injured or harmed at the time of the incident. When I asked how is that possible they don't respond my emails. My issue is I'm i the one who's insured or the phone, is this a funeral cover ,injury cover or is this a cellphone cover I'm not getting any responses from the any more Hows and viva cover are ****s
Helpful (0)
|Replies (0)MM
Mmule M
1 reviews | Active since Jan 2020
10 Dec 2025, 12:19
Scares by Huaweicares and viva cover
****!!! I ensured my Huwawei phone with Huaweicares/viva cover in 2023 September and i lost my phone end of November 2025 and they are refusing to replace my phone saying the claim is not valid as i was not injured or harmed at the time of the incident. When I asked how is that possible they don't respond my emails. My issue is I'm i the one who's insured or the phone, is this a funeral cover ,injury cover or is this a cellphone cover I'm not getting any responses from the any more Hows and viva cover are ****s
0
Replies (0)N
Nomathibane
1 reviews | Active since Jan 2020
7 Nov 2025, 10:15
My experience with R...
My experience with Rea was extremely good, she is the best.
Helpful (0)
|Replies (0)N
Nomathibane
1 reviews | Active since Jan 2020
7 Nov 2025, 10:15
My experience with R...
My experience with Rea was extremely good, she is the best.
0
Replies (0)TT
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Tumi M
1 reviews | Active since Jan 2020
30 Sept 2025, 09:26
Never join Huawei cares insurance they ****s
Beware when joining this insurance. It's a **** they will make you suffer for joining with them. I have been using Huawei mobile for till to date and this insurance company makes me hate #Huawei devices now . I have claimed since June 2025.everytimw they experiencing high claims. When I contacted them for repair they stopped deducting their monthly payment. Now I'm left stranded with my job on stake as I use it for business purpose . When I told them that they were rude telling me it's up to me to make a plan. Beware with Huawei cares insurance.as now no one is attending to my emails but I have been paying.
Helpful (0)
|Replies (0)TM
Tumi M
1 reviews | Active since Jan 2020
30 Sept 2025, 09:26
Never join Huawei cares insurance they ****s
Beware when joining this insurance. It's a **** they will make you suffer for joining with them. I have been using Huawei mobile for till to date and this insurance company makes me hate #Huawei devices now . I have claimed since June 2025.everytimw they experiencing high claims. When I contacted them for repair they stopped deducting their monthly payment. Now I'm left stranded with my job on stake as I use it for business purpose . When I told them that they were rude telling me it's up to me to make a plan. Beware with Huawei cares insurance.as now no one is attending to my emails but I have been paying.
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Replies (0)