Cape Talk, Wednesday evening

Know while he lives in an area flanking Pinetown outside of Durban, which typically gets hit by hailstorms several times a year. I was able to figure that out with a quick search in a few seconds. The agent already had his home address and could have easily found out which hospital he worked at and would have found out that just that commute five days a week and was usually more was over a thousand kilometers a month. Anyway, then comes what options do you want? The first option was over.

3,000 rand a month with unlimited mileage and an excess of 6,500. So the kind of normal policy. And then she was like punting. But we've also got option two, which she described as being tailor-made for him. That was only $1,300 and something a month. So a lot less than the first one. But it came with an excess of $21,000. All this all explained or 10% of the claim. So minimum 21,000 excess. Only he could drive the car. No one else.

Anyone else behind the wheel, no cover. All of that. No hail and nothing more than a thousand kilometers a month. So he went for the lowest. And then obviously the worst happened. Yeah, six months later in March this year, he lost control of the car on a wet freeway, crashed into the bushes alongside. No other cars involved, but quite a lot of damage to the car. His claim was rejected because he'd gone over the thousand kilometers in a month. In fact, he'd overshot it by the 11th of March, 10 days before the accident.

And his case came to me via Anathetist, who works with Dokazisi in theatre. And that's when I started listening to the recording and all the rest. And when you put all of this to Docher, I mean, I'm sure there could be a huge argument about the meanings of certain words and all the rest, but what did they say? Well, they say, which was absolutely correct, at the National Financial Ombudsman, there was a complaint.

Lodge, they ruled in his faith in Dotshaw's favor, saying that they had explained the consequences of driving over a thousand kilometers in a month. And as the policyholder is still entitled to proceed to court, they said, We decline your invitation to respond at this stage as the matter may still become subjudicate. So I went to the NFO and I said, you know, if you listen to the context, this is first time taking on insurance, second-language English speaker. He was so clearly unsure of everything.

Everything. I just don't think justice has been served. It's just my opinion. And she's, they've agreed to open a case. So it's a to-be-continued on this one. But this, it's quite a, you know, I think first time, if when it's the first time for someone, you know, it's fine for you and I to say, well, you know, he agreed and he should have known. But the point is, they lack experience. And it's often that lack that lack of experience is, in my mind, often exploded. So the lesson from

us. I mean, as always, Wendy, I mean, our usual lesson when talking to you is to read the fine print. But we also need to know our business a little bit, you know, how far we're going. I don't blame, you know, I don't blame him because he was doing what we're all doing for the first time, which is starting a car and getting all of this going. It's difficult. But sure, I mean, you know, it's a really rough lesson, depending on how this fans out. Yeah, to my mind, there should have been a little bit more interrogation. Well, let's work this out, knowing how our material.