Exclude Construction Company from construction
The question that bothered us the most in the refusal to pay
a claim was the fact that the insurance document excludes Standard Bank for any
liability on any construction site. During the application for insurance the
document application form required type of business, in this box we filled “Construction
Company” in.
The bank assistant handling the application was not an
insurance expert, and advised us that Standard Bank insurance will contact us
to explain the insurance in detail; she also told us that Standard Bank will
send us a policy document shortly. None of the above ever occurred, and we
stayed under the impression that our premiums covered us as a construction
company.
We had an incident on one of our sites, and only after we
claimed they informed us that we are not covered for construction work. They
also claimed that they did call us to explain the terms and conditions of the
document. When I asked if all these calls are recorded they reply yes, and I
asked them to allow me to listen to the recording. After a few days I received
a personal “twitter” message telling me that I need a court order to listen to
the recording.
In my view I have the right to investigate and therefore
have the right to listen to the recording, after all if the recording exists
where they explained to me that my construction company is not covered for
construction, it will clear the case and I would have to accept the
responsibility for the failure of the claim. I do not understand why I need a
court order to listen to the conversation that allowed them to deduct premiums
in conclusion of the contract. According to me it is my basic right to examine
the alleged call.
At the moment I believe that this recording does not exist,
I believe that they did not do their work correctly and now hide behind court
orders.
The bank then referred me to the Ombudsman, which is clearly
a tactic to delay their responsibilities to comply with my requests.
The time has come to warn other companies and people of the
shady techniques of Standard Bank, and therefore I started a blog to expose it.
If Standard Bank sends me the alleged recording and it clear
them from any wrong doing I will publically apologies for the media attack
against them. But up to that point I will keep on alleging that they have committed
insurance fraud, contract break and incompetent management. Their lack of
service to resolve this issue is shocking.
Willie Beetge
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