Miway Insurance - i learned a lesson today!

[CatGirl]

That's the one.

 

but what if you cannot lock your bike to your bikerack?? or can all bike racks lock the bike to the bike rack??

[GrumpyOldGuy]

I think the Western Cape recently added a plumbing compliance certificate as a condition of transfer, althought that is more to stop leaking pipes and wasting of water.

 

Oh, Okay, must be new, it was previously not a requirement as far as I can ascertain, and I dont see it been required up here in the big smoke either at the moment.

[Christopher Brunsdon]

...

which brings me to another thing: what happens if someone steals something through your bedroom window which has got burglar bars, and he can reach through the window?

 

Thats negligence on your part

[Minion]

but what if you cannot lock your bike to your bikerack??

In that case, you're asking for it to be stolen. If someone's not prepared to care for their own stuff, why should the insurers cover them.

 

I know the Thule roof racks can be locked and I've used a normal bicycle padlock on other racks. Loop the chain through the main triangle and some part of the car or rack. If necessary, cable tie the lock to something so it doesn't flap around and cause damage.

[Christopher Brunsdon]

but what if you cannot lock your bike to your bikerack?? or can all bike racks lock the bike to the bike rack??

 

Its your responsibility to get one that dose. I've seen some racks where I wondered how you lock your bike to them.

 

Also you need to make sure you have a lock that cannot be broken - no help in buying R10 Mr Wong special and then have it broken with a brick. You can also use special cables (I've got one) to loop through your wheel and frame to improve the bikes security.

[MiWayMTB]

I am so disappointed in them and would recommend that everybody that changed over to them (i saw their Mtb related advertisement), read the fine print with a magnifying glass.

 

I had break in into my car and about R5000 stuff was stolen. According to them everything in the car must be cubbyhole or the boot. Our GPS was under the seat (and out of sight) because the cubbyhole was full. So the whole claim was rejected. Has anybody else had similar problems with them? What do you do if the boot is full of wheels and helmets etc. Then you do not have any cover whatsoever!

 

I will be changing to another insurance on Monday.

 

Who do you suggest we change to now, as i am scared about what would happen if my car gets stolen or if somebody crashes into me, as I do not trust them anymore.

 

 

Hi everyone,

 

What an interesting read! We can see that a lot of you have concerns regarding the terms and conditions of your insurance policies.

 

For MiWay clients, please remember that we are always willing to listen to and/ resolve your concerns. We even have a dedicated transparent webpage on our website where you can submit your comments or queries and receive timeous feedback! For non-MiWay clients, we urge you to contact your insurer and get the answers you need to ensure that you understand your policy wording in full and know what you are and are not covered for.

 

@Marterlpypie: we’re happy that your concerns have been resolved, and your claim settled. For future, we suggest that when you have no space left in your cubbyhole or boot, that you take due care and remove the valuable items from your car when parking on an open street. Taking these kinds of simple precautions will ensure that you always have a valid claim and are covered in full!

 

For any queries with regards to MiWay policies, please call us on 0860 64 64 64 or visit our comments section on our website (http://www.miway.co.za/compliments-and-complaints). Should you have any queries directly relating to this thread, please feel free to email marketing@miway.co.za.

[Tjokkits]

@Marterlpypie: we’re happy that your concerns have been resolved, and your claim settled. For future, we suggest that when you have no space left in your cubbyhole or boot, that you take due care and remove the valuable items from your car when parking on an open street. Taking these kinds of simple precautions will ensure that you always have a valid claim and are covered in full!

 

and where would he go with the stuff, carry it along with him and get robbed? we are talking about people who are parking their cars and go for a bike ride, do you understand cycling? get real please

Edited December 13, 2011 by Tjokkits

[urbanroyal]

I have also heard of a couple of people of late struggling with claims at various places, I work through a broker, been with them for years and have never had any issues when claiming. They are underwritten by Santam/Sanlam and although I pay about 5% more than what I can get at insurers directly they give excellent service

 

 

I contacted Santam directly and I am paying 25% less as opposed to the quotes I received from brokers..

[MiWayMTB]

@Marterlpypie: we’re happy that your concerns have been resolved, and your claim settled. For future, we suggest that when you have no space left in your cubbyhole or boot, that you take due care and remove the valuable items from your car when parking on an open street. Taking these kinds of simple precautions will ensure that you always have a valid claim and are covered in full!

 

and where would he go with the stuff, carry it along with him and get robbed? we are talking about people who are parking their cars and go for a bike ride, do you understand cycling? get real please

 

Hi there,

 

Sorry for the misunderstanding! We were not addressing the issue of insurance cover for cars when parked at a bike park during a bike ride. Our client's case is specific to his car being parked outside of his residence, in an open street, and so of course we are referring to him taking his valuables (e.g. his GPS or sunglasses) into his house instead of leaving them in his car.

 

Each person's incident is obviously unique with lots of possibilities and therefore each is evaluated on its own merit.

 

Locking valuables away in your boot or cubbyhole is a condition of cover that is generally standard in all insurance policies - double-check with your insurer how this could apply to you. Generally though, whether parking your car at a race; at a bike park; or at a friend's house and so forth, we suggest taking the same precautions as much as reasonably possible to protect your valuables and ensure you meet the terms and conditions of your insurance policy. Cyclists and MTBers included.

 

Thanks for your comment - insurance is a subject where people traditionally have lots of questions. Feel free to email us (marketing@miway.co.za) if you have any more and we'll get back to you first thing tomorrow morning!

 

Kind regards,

The MiWay Team

[Tjokkits]

please PM me an emial address so i can send a spreadsheet with bikes for a quote and please also send me a draft policy doc so i can understand conditions and raise questions. thanks for taking the trouble to respond