In March I discovered from a colleague that geysers were covered by fixed property insurance. In January 2 of my geysers burst so I immediately called STD INS & went through the average 15min wait before reaching a consultant and asked to submit a late claim, she agreed and sent out an assessor. He took photos of the geysers and confirmed the damage he also took photos of the replacement solar geysers. A week later I attempted to follow up on the claim, again 15min wait to speak to a consultant, often the calls are dropped waisting another 15min each time. This is probably a tactic to avoid paying out claims. Promise after promise was broken, a few queries later they ask for serial numbers for the replacement geysers so I furnished them with the invoices and directed them to the supplier. After 3 or 4 more enquiries and a promise that the payment would reflect on Friday 22nd, I am eventually told by Thabo that a letter was sent on 11 June, 3 months after the initial claim was submitted, that the claim was declined on the grounds it was submitted late. Why accept the claim in the first place? Standard Insurance is 30% more expensive SHOP AROUND!!! Try Outsurance or HIPPO.co.za