Insurance reject stolen vehicle claim.





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  1. #1
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    Default Insurance reject stolen vehicle claim.

    So my 2018 Hilux Dakar was stolen in the beginning of the month. My Hilux was stolen on a Saturday late afternoon/ early evening. First time I got wind of this was when the tracker company phoned me and ask if I was in a accident. Which was news to me as we were in an restaurant. Was later informed by the tracking company that they got the tracker units next to the highway, and this is presumably when the tracker units was discarded and gave them the signal that I was in an accident.

    So my head I racing and the whole time I am in communication with the tracking company. Phone my fiance to come and pick me up, we stay in Harties and my Hilux was stolen in Fourways, My heavily pregnant (41 weeks) fiance against medical advice drive through, with our infant son to come and pick me up.

    Now here is the part why the insurer is rejecting my claim, because I only reported the theft on Sunday morning, and not within their 6 hours (originally 24 hours)
    because I didn't want to drag my infant son and pregnant fiance to the SAPS on a Saturday night.

    What is my options here? Lawyers? Ombudsman?
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  2. #2
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    Default Re: Insurance reject stolen vehicle claim.

    Ombudsman

    Real 4x4's don't have
    curved windscreens!!
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    some dangerous toys


  3. #3
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    Default Re: Insurance reject stolen vehicle claim.

    This sounds like very sketchy grounds to dismiss a claim , ombudsman I would say

    I got hijacked on a Sunday night, and only informed my insurer the Monday morning, and there was no issues
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  4. #4
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    Default Re: Insurance reject stolen vehicle claim.

    Jammer om te hoor van jou verlies. Ek kan nie glo dat daar sulke reŽls is van binne 6 uur moet aanmeld nie. Hoop egter jy kom tog reg.

  5. #5
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    Default Re: Insurance reject stolen vehicle claim.

    Driving
    2010 Land Rover Discovery 4 3.0 TD/SD V6 SE

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  7. #6
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    Default Re: Insurance reject stolen vehicle claim.

    Get a lawyer quick...

  8. #7
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    Default Re: Insurance reject stolen vehicle claim.

    Ombudsman.

    I will type out a long response with suggestions tomorrow. In the meantime, ask your insurance for a formal repudiation letter.
    Stephan

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  10. #8
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    Default Re: Insurance reject stolen vehicle claim.

    Here is an article on similar facts:

    https://www.moonstone.co.za/ombud-ov...ejected-claim/

    Ombudsman is the best way to go.
    Stephan

    4x4: 2018 Isuzu KB250 D-Teq 4x4 DC
    Platkar: 2019 Suzuki Baleno GLX

    "All of us get lost in the darkness. Dreamers learn to steer by the stars"

  11. #9
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    Default Re: Insurance reject stolen vehicle claim.

    Quote Originally Posted by Andre Burger View Post
    So my 2018 Hilux Dakar was stolen in the beginning of the month. My Hilux was stolen on a Saturday late afternoon/ early evening. First time I got wind of this was when the tracker company phoned me and ask if I was in a accident. Which was news to me as we were in an restaurant. Was later informed by the tracking company that they got the tracker units next to the highway, and this is presumably when the tracker units was discarded and gave them the signal that I was in an accident.

    So my head I racing and the whole time I am in communication with the tracking company. Phone my fiance to come and pick me up, we stay in Harties and my Hilux was stolen in Fourways, My heavily pregnant (41 weeks) fiance against medical advice drive through, with our infant son to come and pick me up.

    Now here is the part why the insurer is rejecting my claim, because I only reported the theft on Sunday morning, and not within their 6 hours (originally 24 hours)
    because I didn't want to drag my infant son and pregnant fiance to the SAPS on a Saturday night.

    What is my options here? Lawyers? Ombudsman?
    Ask them to point out where that time clause can be found on your policy document.

    If they still persist with the rejection (after they will likely not be able to show you the clause), then get it in writing that they are rejecting the claim and then Ombudsman time.

  12. #10
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    Default Re: Insurance reject stolen vehicle claim.

    Theft is not a vehicle collision though.

  13. #11
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    Default Re: Insurance reject stolen vehicle claim.

    So the tracking co. records to be used.
    If you phone your broker late at night he will arrange a report in time ?
    If you contact your insurance co. early on a sunday,

    Good luck my friend, you will win and it will leave sour taste.
    Pse tell us the insurance name .

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  15. #12
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    Default Re: Insurance reject stolen vehicle claim.

    So what if you're highjacked and held hostage for 7 hours? Insurance going to go "oh, sorry"?

  16. #13
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    Thumbs up Re: Insurance reject stolen vehicle claim.

    Ombudsman, change insurance, speak to Stranger!
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  17. #14
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    Default Re: Insurance reject stolen vehicle claim.

    shocking!!!!!. they should be in your side.... I hope they are not one of those fly by night insurers
    Isuzu KB300 2012 Auto - KingHyundai Grand10 1.2 Auto - Queen

  18. #15
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    Default Re: Insurance reject stolen vehicle claim.

    Quote Originally Posted by ekkekan View Post
    Jammer om te hoor van jou verlies. Ek kan nie glo dat daar sulke reŽls is van binne 6 uur moet aanmeld nie. Hoop egter jy kom tog reg.
    Verstaan dit ook nie, Wat as jou voertuig gesteel word en jy sit in die buiteland en verwittig jouself eers van die diefstal as jy 2-weke na die diefstal by die huis kom ?

  19. #16
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    Default Re: Insurance reject stolen vehicle claim.

    Quote Originally Posted by janseekat View Post
    Pse tell us the insurance name .
    I predict it is the OUTsurer...........
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  21. #17
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    Default Re: Insurance reject stolen vehicle claim.

    Quote Originally Posted by jelo View Post
    I predict it is the OUTsurer...........
    Could be any direct insurer.

  22. #18
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    Default Re: Insurance reject stolen vehicle claim.

    Report to ombudsman. Thanks for the thread though, I read the one link which states you can report it by phoning 10111. I also did not know this, same as the person in that article. Maybe a note to anyone in future, phone insurance, phone police as soon as possible. Will result in not having to fight with them.

    I also think your insurance is just sour that they have 2 thefts in a month, you are costing them money, and they don't like that much. Probably they know they will have to pay, but perhaps trying to upset you so that you move insurance.
    2011 Freelander 2 SE
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  23. #19
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    Default Re: Insurance reject stolen vehicle claim.

    Thank you for all the replies. When I insured the Hilux the 'grace period' was 24hrs, the insurance however changed the time frame to 6 hrs when I insured my land cruiser with them a month before this incident.
    Maybe ignorance from my side because I was familiar with my Hiulux's policy, thus 24 hr period.
    But then on the other side my better half was in early labor when she drove to come and fetch me with our 1year 11month old son. I had their well being and safety
    in mind when I decided not to go to saps immediately, I didnt want her to go into labor next to the road and have the risk of being robbed, hi jacked or killed especially with what is going on on our roads nowadays. (she did go into active labor on the Monday)
    Thus only reporting at saps early Sunday morning.
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  24. #20
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    Default Re: Insurance reject stolen vehicle claim.

    Quote Originally Posted by janseekat View Post
    Pse tell us the insurance name .
    Im not going to name them now, but are well know on the forum.
    2 A 2 Quit

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