Stretch Posted August 16, 2017 Share D@mn just hate when i hear how okes get they rides taken as it happend to me!!Check out Santam i had two successful claims in the space of 6 months - Roadbike - completely shattered the frame going down in the bunch and they lifted it and after inspection - new bike , about 5 months later got bikejacked on the mtb - even tho when i was knocked off my by bike by knife wielding okes, i didnt fight back - opted to run in the bush so i can keep my phone to make that emergency call - still payed out (after case opened etc, and some investigation, using my strava as proof that i was there etc etc).Your premiums must be through the roof Link to comment Share on other sites More sharing options...
Patchelicious Posted August 16, 2017 Share Could you maybe post the text of the repudiation? Maybe the policy wording too? Help.Me. 1 Link to comment Share on other sites More sharing options...
Kranswurm Posted August 16, 2017 Share Your premiums must be through the roofThe premiums are through the roof in the first placeWhen my son was elite in MTB and Road with great aspirations of conquering Europe I was chief sponsor and its about R330PM for a 50K bike Link to comment Share on other sites More sharing options...
JustPaul Posted August 23, 2017 Share D@mn just hate when i hear how okes get they rides taken as it happend to me!!Check out Santam i had two successful claims in the space of 6 months - Roadbike - completely shattered the frame going down in the bunch and they lifted it and after inspection - new bike , about 5 months later got bikejacked on the mtb - even tho when i was knocked off my by bike by knife wielding okes, i didnt fight back - opted to run in the bush so i can keep my phone to make that emergency call - still payed out (after case opened etc, and some investigation, using my strava as proof that i was there etc etc).I have been with MIway insurance for more than six years, I have ensured my wife’s cars and mine and recently (almost two years) my mountain bike without a single claim. However, on the 5 July my mountain bike was stolen from my garage while I was at home.  The accessor made it clear that there were no physical signs of forced entry so they will not pay or replace even though I was at home when it happened. I feel hopeless and powerless. I am a hard-working honest person that has paid my insurance policy assuming that I am covered. Not sure if I should post the letter they send me here Link to comment Share on other sites More sharing options...
T-Bag68 Posted August 23, 2017 Share Sorry about your situation Just Paul, i hope it works out for you some how, be it getting your bike back or some good comes of the claim. Cookie88 1 Link to comment Share on other sites More sharing options...
JustPaul Posted August 23, 2017 Share Could you maybe post the text of the repudiation? Maybe the policy wording too?Sorry I dont have any original pics, but I serviced it my self so I know every scratch and dent on the bike, not going to tell here in case I bump into it some day, you never know. This is what happened.I woke up 6am, opened the garage dour and loaded my tools. Closed the dour but did not lock it as it is behind locked gates. I went to woke up the kids to get ready for school but as I got to into the kitchen my wife asked me why I left the door open. It was stolen in less than 5 minutes. They jumped the wall took the bike were it was hanging and used the kids jungle gym to get over again. they also got away with my wallet and phone that I left on the work bench.I had to give bank statements proving that I cancelled my cards and cell statements but all for nothing. Link to comment Share on other sites More sharing options...
ChrisF Posted August 23, 2017 Share I have been with MIway insurance for more than six years, I have ensured my wife’s cars and mine and recently (almost two years) my mountain bike without a single claim. However, on the 5 July my mountain bike was stolen from my garage while I was at home.  The accessor made it clear that there were no physical signs of forced entry so they will not pay or replace even though I was at home when it happened. I feel hopeless and powerless. I am a hard-working honest person that has paid my insurance policy assuming that I am covered. Not sure if I should post the letter they send me here "forced entry" is the issue, not if you were at home or not.  same as when your car get remote-jammed, and they steal your laptop ... no "forced entry" = no claim. Link to comment Share on other sites More sharing options...
Guest dirkieuys Posted August 23, 2017 Share I had a big fight with Miway insurance, I lost. They refused to pay because I was at home when it was stolen. Even though Iv been with them for almost seven years without a single claim.Sad when the CO you pay to have piece of mind doesn't back you.Hope you find your bike soon.D Link to comment Share on other sites More sharing options...
JustPaul Posted August 23, 2017 Share Sorry I dont have any original pics, but I serviced it my self so I know every scratch and dent on the bike, not going to tell here in case I bump into it some day, you never know. This is what happened.I woke up 6am, opened the garage dour and loaded my tools. Closed the dour but did not lock it as it is behind locked gates. I went to woke up the kids to get ready for school but as I got to into the kitchen my wife asked me why I left the door open. It was stolen in less than 5 minutes. They jumped the wall took the bike were it was hanging and used the kids jungle gym to get over again. they also got away with my wallet and phone that I left on the work bench.I had to give bank statements proving that I cancelled my cards and cell statements but all for nothing. Your telephonic conversation with the assessor, Stefan Share on 21 June 2017 refers. Weconfirm having advised of our decision to reject the claim due to, inter alia, the followingreason(s):No Cover: No visible signs of forced entry into building structureWe wish to refer you to your MiWay Policy in this regard, which states:We trust that you will appreciate that we are obliged to adhere to the Policy conditionsprevailing at the time of a loss.In terms of the Policyholder Protection Rules you have not less than 90 days from the date ofthis letter to raise an objection with MiWay regarding the decision as set out in this letter.You may raise your objection in writing by:Immediately following the 90 days, irrespective of whether an objection was raised, you have afurther 180 days within which to serve summons on MiWay. If you do not serve summonswithin this period, your right to challenge the decision will be forfeited.Once we have dealt with your objection and should you find you are still unhappy with theoutcome, you may contact the Ombudsman for Short-term Insurance at 011 726 8900 orlodge a complaint at PO Box 32334, Braamfontein, 2017 or fax 011 726 5501 or emailinfo@osti.co.za.Please note that the above-mentioned reason(s) for rejection may not necessarily beexhaustive.sending it to dispute@miway.co.zaaddressing it to Disputes, and either faxing it to 011 990 0001 or posting it toPostNet Suite #382, Private Bag X121, Halfway House, 1685.ll21 June 2017xxxxxxxxxxxxxxxxxxxxxxxxxxxxxRICHWOODMILNERTON7441Correspondence Ref. 390129197MiBicycleWHAT AM I NOT COVERED FOR UNDER MiBICYCLE?- Theft of my bicycle when the bicycle is unattended and not:- locked inside a vehicle, trailer, caravan, or building structure and there are novisible signs of forced entry >>>>" or building structure " <<< Link to comment Share on other sites More sharing options...
Mongoose! Posted August 23, 2017 Share so your garage door was closed, but not locked?is there gate they need to enter from street to get to the garage? was it closed? locked? Link to comment Share on other sites More sharing options...
lechatnoir Posted August 23, 2017 Share <snip>You may raise your objection in writing by:Immediately following the 90 days, irrespective of whether an objection was raised, you have afurther 180 days within which to serve summons on MiWay. If you do not serve summonswithin this period, your right to challenge the decision will be forfeited.  Seems like they are used to this... Link to comment Share on other sites More sharing options...
Meezo Posted August 23, 2017 Share  Your telephonic conversation with the assessor, Stefan Share on 21 June 2017 refers. Weconfirm having advised of our decision to reject the claim due to, inter alia, the followingreason(s):No Cover: No visible signs of forced entry into building structureWe wish to refer you to your MiWay Policy in this regard, which states:We trust that you will appreciate that we are obliged to adhere to the Policy conditionsprevailing at the time of a loss.In terms of the Policyholder Protection Rules you have not less than 90 days from the date ofthis letter to raise an objection with MiWay regarding the decision as set out in this letter.You may raise your objection in writing by:Immediately following the 90 days, irrespective of whether an objection was raised, you have afurther 180 days within which to serve summons on MiWay. If you do not serve summonswithin this period, your right to challenge the decision will be forfeited.Once we have dealt with your objection and should you find you are still unhappy with theoutcome, you may contact the Ombudsman for Short-term Insurance at 011 726 8900 orlodge a complaint at PO Box 32334, Braamfontein, 2017 or fax 011 726 5501 or emailinfo@osti.co.za.Please note that the above-mentioned reason(s) for rejection may not necessarily beexhaustive.sending it to dispute@miway.co.zaaddressing it to Disputes, and either faxing it to 011 990 0001 or posting it toPostNet Suite #382, Private Bag X121, Halfway House, 1685.ll21 June 2017xxxxxxxxxxxxxxxxxxxxxxxxxxxxxRICHWOODMILNERTON7441Correspondence Ref. 390129197MiBicycleWHAT AM I NOT COVERED FOR UNDER MiBICYCLE?- Theft of my bicycle when the bicycle is unattended and not:- locked inside a vehicle, trailer, caravan, or building structure and there are novisible signs of forced entry >>>>" or building structure " <<<  stefan share is hubber? he used to sell bicycle goods in the classifieds quite often at good prices too Link to comment Share on other sites More sharing options...
JustPaul Posted August 23, 2017 Share so your garage door was closed, but not locked?is there gate they need to enter from street to get to the garage? was it closed? locked?Yes the main gate to the property was locked, the jumped the wall "Dear Mr Bester We acknowledge receipt of your dispute below and we confirm that this matter has been allocated to the writer for consideration.Kindly take note that we respond to each dispute in the order in which it is received" And still waiting Link to comment Share on other sites More sharing options...
JustPaul Posted August 23, 2017 Share so your garage door was closed, but not locked?is there gate they need to enter from street to get to the garage? was it closed? locked?The main gate to my property was locked and I was home. Link to comment Share on other sites More sharing options...
Mongoose! Posted August 23, 2017 Share Yes the main gate to the property was locked, the jumped the wall "Dear Mr Bester We acknowledge receipt of your dispute below and we confirm that this matter has been allocated to the writer for consideration.Kindly take note that we respond to each dispute in the order in which it is received" And still waiting  The main gate to my property was locked and I was home. mmmmm.....so they entered a locked property? Link to comment Share on other sites More sharing options...
Dubber Posted August 23, 2017 Share mmmmm.....so they entered a locked property?I think, when they refer to locked, they refer to the actual building housing the item - not the perimeter. Can't say with certainty though... Link to comment Share on other sites More sharing options...
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