Indwe Risk Services
Verified Business
|1.5|16 Reviews (last 12 months)|Responds in 30h 9m
Indwe Risk Services
Verified Business
|1.5
16 Reviews (last 12 months)
Responds in 30h 9m
AI Review Summary
Based on recent customer reviews, Indwe Risk Services receives largely critical feedback centred on claims handling and broker accountability. Customers consistently mention prolonged delays in resolving vehicle, geyser, and property damage claims, with a recurring theme of poor communication, unanswered follow-ups, and confusion caused by multiple assessors being appointed on a single matter. Several reviewers describe unexpected excess charges, disputed write-offs, and refund delays after policy cancellation. A smaller positive thread highlights individual consultants who delivered fast, professional and attentive service, suggesting that experience varies significantly depending on the staff member assigned.
Performance(last 12 months):
TrustIndex
3.2
Ranking
#92
in Insurance
Reply Time
30h 9m
Review Distribution
1.5|16 Reviews
Jul '25 - Jun '26
Recent reviews (16)
Used this business recently? Share your experience to help others decide.
Used this business recently? Share your experience to help others decide.
Share Your ExperienceA
Anonymous
1 reviews | Active since Jan 2020
13 Apr 2026, 10:07
Delay in Finalisation of Claim
Despite my full cooperation throughout the process, the claim remains unresolved beyond the timeframe communicated to me. To summarise: • I promptly comp**** with all assessment requirements. • I provided all requested videos, images, and availed myself for further assessments on multiple occasions. • There were delays from your assessor (RSI), including missed agreed time windows and lack of follow-up communication. • On 10 April 2026, I was advised that the Agreement of Loss would be provided during the course of the day. • As of today (13 April 2026), this has still not been received and I have now been informed that there is no guarantee on when it will be issued. In addition, due to these delays, I have experienced further prejudice: • The insured items were subsequently ****** while still pending assessment. • I was forced to purchase a temporary replacement phone on 04 April 2026 due to the urgency of my situation. I find the delays and lack of clear timelines unacceptable, particularly after a commitment was made that the matter would be finalised last week Friday.
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Anonymous
1 reviews | Active since Jan 2020
13 Apr 2026, 10:07
Delay in Finalisation of Claim
Despite my full cooperation throughout the process, the claim remains unresolved beyond the timeframe communicated to me. To summarise: • I promptly comp**** with all assessment requirements. • I provided all requested videos, images, and availed myself for further assessments on multiple occasions. • There were delays from your assessor (RSI), including missed agreed time windows and lack of follow-up communication. • On 10 April 2026, I was advised that the Agreement of Loss would be provided during the course of the day. • As of today (13 April 2026), this has still not been received and I have now been informed that there is no guarantee on when it will be issued. In addition, due to these delays, I have experienced further prejudice: • The insured items were subsequently ****** while still pending assessment. • I was forced to purchase a temporary replacement phone on 04 April 2026 due to the urgency of my situation. I find the delays and lack of clear timelines unacceptable, particularly after a commitment was made that the matter would be finalised last week Friday.
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Anonymous
1 reviews | Active since Jan 2020
31 Mar 2026, 10:34
Rejected Vehicle Claim
After waiting three months for my car claim (40078168-001-007) to be settled following an engine fire in my BMW, I am deeply disappointed to learn that the insurance (Santam) company has rejected my claim. During this time I was sent twice to the bank to collect a settlement letter, which only added to the delay and confusion. I am hurt and frustrated, and cannot think clearly about the next steps. My main concern is whether additional damage may have occurred to the engine while it was stripped for quotation. I now face the difficult reality of owing a vehicle that I cannot afford to repair, given the fire damage and possible further issues. While waiting for the investigation into the cause of the fire, I experienced extremely poor communication. I was repeatedly forced to call and request updates myself, and even the representative at Indwe was unable to provide clear answers. Eventually, I was told that the matter had been escalated to the Regional Manager, but no meaningful feedback was given. This lack of transparency and accountability has left me deeply disappointed. I paid my insurance premiums (R3204) faithfully believing that this sacrifice would protect me in times of need. Instead, I felt abandoned and unsupported, as though I was fetching water from a stream with a bucket full of holes and slap in my face. The rejection of my claim after months of waiting has caused me significant hardship, both financially and emotional distress for both of us. I am writing to further emphasize the impact that the handling of claim of my claim has had on my family. My husband was driving the car to work when the fire occurred, and he has been deeply affected by the incident. The emotional strain on him has been significant, as he experienced the event firsthand and continues to carry the weight of it's consequences.
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Anonymous
1 reviews | Active since Jan 2020
31 Mar 2026, 10:34
Rejected Vehicle Claim
After waiting three months for my car claim (40078168-001-007) to be settled following an engine fire in my BMW, I am deeply disappointed to learn that the insurance (Santam) company has rejected my claim. During this time I was sent twice to the bank to collect a settlement letter, which only added to the delay and confusion. I am hurt and frustrated, and cannot think clearly about the next steps. My main concern is whether additional damage may have occurred to the engine while it was stripped for quotation. I now face the difficult reality of owing a vehicle that I cannot afford to repair, given the fire damage and possible further issues. While waiting for the investigation into the cause of the fire, I experienced extremely poor communication. I was repeatedly forced to call and request updates myself, and even the representative at Indwe was unable to provide clear answers. Eventually, I was told that the matter had been escalated to the Regional Manager, but no meaningful feedback was given. This lack of transparency and accountability has left me deeply disappointed. I paid my insurance premiums (R3204) faithfully believing that this sacrifice would protect me in times of need. Instead, I felt abandoned and unsupported, as though I was fetching water from a stream with a bucket full of holes and slap in my face. The rejection of my claim after months of waiting has caused me significant hardship, both financially and emotional distress for both of us. I am writing to further emphasize the impact that the handling of claim of my claim has had on my family. My husband was driving the car to work when the fire occurred, and he has been deeply affected by the incident. The emotional strain on him has been significant, as he experienced the event firsthand and continues to carry the weight of it's consequences.
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Anonymous
1 reviews | Active since Jan 2020
23 Mar 2026, 07:37
UNPROFESSIONAL CONSULTANT
I am still waiting for the Supervisor/Manager to call me. On Friday I call the claims department to follow up on my claim. The lady was unprofessional. I then asked her to transfer me to her senior and she told me Nathan or Nathania is busy on a call, he will call me back and I am still waiting. I would like the management to listen to our call and if I was rude I will definitely apologize and if she was unprofessional and not deserving to be talking to clients Indwe will decide on the way forward.
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Anonymous
1 reviews | Active since Jan 2020
23 Mar 2026, 07:37
UNPROFESSIONAL CONSULTANT
I am still waiting for the Supervisor/Manager to call me. On Friday I call the claims department to follow up on my claim. The lady was unprofessional. I then asked her to transfer me to her senior and she told me Nathan or Nathania is busy on a call, he will call me back and I am still waiting. I would like the management to listen to our call and if I was rude I will definitely apologize and if she was unprofessional and not deserving to be talking to clients Indwe will decide on the way forward.
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Anonymous
1 reviews | Active since Jan 2020
19 Mar 2026, 18:05
Write-off car not yet settled
I am writing to formally raise my concern regarding the handling of my vehicle fire claim. On 7 January 2026, my vehicle's engine caught fire while being driven by my husband. He noticed smoke, stopped, and upon opening the bonnet, flames were visible. Neighbors assisted in extinguishing the fire. Upon arrival I immediately contacted my insurance (Indwe), and the vehicle was towed to GoBid. On 19 January 2026, I was contacted by an assessor appointed by my insurance. He asked about the incident and later requested service history details, which I referred him to the service book inside the vehicle. On 26 January 2026, he informed me that the car was at OFS SMART REPAIR for strip and quote. On the 9 February, he messaged me that the damage was extensive and the car was a write-off. Since then, communication has been inconsistent and confusing. Despite my repeated follow-ups, I was told by Indwe - Brooklyn that they were still awaiting the assessor's report. Meanwhile, my courtesy car expired after 30 days, leaving me without transport. I was later instructed to obtain a settlement letter from the bank. After submitting the first letter, I was asked to provide a second one as the first had expired. On 24 February 2026, I was unexpectedly contacted by another assessor, who introduced himself newly appointed by my insurance. He repeated the same questions asked by the first assessor and promised feedback, which never came. He later requested towing company's details, but again failed to provide any update. When I followed up, I was told that yet another assessor - a fire specialist had been appointed. To date, I have received no feedback from Indwe - Brooklyn. This prolonged process has left me without transport for months, while I continued to pay both the bank and my insurance premiums (R3205). The lack of communication, duplication of assessments, and absence of resolution is unacceptable. I request urgent clarification on: Why multiple assessors were appointed The current status of my claim Immediate steps to finalize settlement, given the vehicle has already been declared a write-off. I trust that Indwe will treat this matter with seriousness it deserves and provide me with a clear resolution.
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Anonymous
1 reviews | Active since Jan 2020
19 Mar 2026, 18:05
Write-off car not yet settled
I am writing to formally raise my concern regarding the handling of my vehicle fire claim. On 7 January 2026, my vehicle's engine caught fire while being driven by my husband. He noticed smoke, stopped, and upon opening the bonnet, flames were visible. Neighbors assisted in extinguishing the fire. Upon arrival I immediately contacted my insurance (Indwe), and the vehicle was towed to GoBid. On 19 January 2026, I was contacted by an assessor appointed by my insurance. He asked about the incident and later requested service history details, which I referred him to the service book inside the vehicle. On 26 January 2026, he informed me that the car was at OFS SMART REPAIR for strip and quote. On the 9 February, he messaged me that the damage was extensive and the car was a write-off. Since then, communication has been inconsistent and confusing. Despite my repeated follow-ups, I was told by Indwe - Brooklyn that they were still awaiting the assessor's report. Meanwhile, my courtesy car expired after 30 days, leaving me without transport. I was later instructed to obtain a settlement letter from the bank. After submitting the first letter, I was asked to provide a second one as the first had expired. On 24 February 2026, I was unexpectedly contacted by another assessor, who introduced himself newly appointed by my insurance. He repeated the same questions asked by the first assessor and promised feedback, which never came. He later requested towing company's details, but again failed to provide any update. When I followed up, I was told that yet another assessor - a fire specialist had been appointed. To date, I have received no feedback from Indwe - Brooklyn. This prolonged process has left me without transport for months, while I continued to pay both the bank and my insurance premiums (R3205). The lack of communication, duplication of assessments, and absence of resolution is unacceptable. I request urgent clarification on: Why multiple assessors were appointed The current status of my claim Immediate steps to finalize settlement, given the vehicle has already been declared a write-off. I trust that Indwe will treat this matter with seriousness it deserves and provide me with a clear resolution.
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Anonymous
1 reviews | Active since Jan 2020
14 Mar 2026, 19:46
Write-off vehicle not yet settled
My vehicle's engine caught fire on 07 January 2026(Claim:40078168*001*007), until to date, no feedback from Indwe-Brooklyn and the sad part is that I'm without a vehicle and I'm still paying both the bank and the very same insurance (R3204). I request urgent clarification on: * Why multiple(3) assessors were appointed * The current status of my claim * Immediate steps to finalize settlement, given the vehicle has been declared a writ-off
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Anonymous
1 reviews | Active since Jan 2020
14 Mar 2026, 19:46
Write-off vehicle not yet settled
My vehicle's engine caught fire on 07 January 2026(Claim:40078168*001*007), until to date, no feedback from Indwe-Brooklyn and the sad part is that I'm without a vehicle and I'm still paying both the bank and the very same insurance (R3204). I request urgent clarification on: * Why multiple(3) assessors were appointed * The current status of my claim * Immediate steps to finalize settlement, given the vehicle has been declared a writ-off
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Anonymous
1 reviews | Active since Jan 2020
13 Feb 2026, 10:43
Great claims service from Indwe
Many thanks to Ursula Heugh of Indwe for fantastic professional, speedy, friendly and effective service in expediting my insurance claim in a matter of a few days! Great job young lady!
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Anonymous
1 reviews | Active since Jan 2020
18 Dec 2025, 11:18
Broker forgets to register R1000,000 claim - then offers R20,000 compensation for his error
I have been dealing with Indwe Risk Services for two claims resulting from water damage in June 2024. It is now 16 months later and Indwe are still kicking my claims down the road and have now informed me to take legal action against them. In a nutshell, I had water damage on 5 June 2024, an assessor was appointed who identified 4 claims. However, I later found out that my broker only registered 2 of the 4 claims. That was the first warning sign! 2 registered claims, 2 unregistered claims! The missing claims were never registered, never processed, never assigned to an assessor, but my broker then came to see me ten weeks later to inform me that my missing claims had suddenly been declined, without providing me with a letter from my insurer or the agreement of loss. My broker had appointed himself assessor and had decided my claims should be declined. That was another warning sign! After 16 months my broker has still not provided me with a letter from the insurer, because I assume it does not exist, and he has now informed me I have to take legal action against him to obtain documents that I, as policyholder, am entitled to receive. The two “missing claims” were not processed, not approved, not paid out. In total I submitted 9 costs for the one claim, 2 costs for the other claim and 10 reminders. All ignored. There was no feedback from my broker, other than informing me that I had to wait. Not sure why, but that was their feedback. After ten weeks my broker arrived at my office and informed me that my two missing claims had been denied by SANTAM. No supporting documents, no assessor reports, no agreements of loss, nothing. Another warning sign that something was wrong. As I understand the process, once a claim is declined the insurer issues such a letter and the broker presents this to the policy holder. The broker does not decline a claim, an insurer does. So what happened in my case? Another warning sign! I asked for a letter from my insurer and my broker assured me he would be contacting SANTAM to obtain such letter. I am still waiting for this. Another warning sign! My broker did not respond, again, so I escalated this to all financial regulators. I already suspected that the two missing claims were never processed. So fast track to 2025, about 8 months later, when FAISOMBUD commented that there seemed to be confusion about the assessors dealing with my two “missing claims”. I referred the matter back to Indwe, we had a meeting and they confirmed that they were confused about the assessors and offered me R20,000 compensation for their error. As my claims were for R1,000,000 and R27,500 respectively, a R20,000 settlement was an insult. This was another warning sign that something had gone wrong. A broker offering a cash settlement for their error? I then contacted SANTAM who confirmed that my missing claims were never registered and that they never issued a letter declining them. So back to my broker and I asked why my missing claims had never been registered. My broker informed me that the other assessors would have dealt with the missing claims. After checking the assessor reports I confirmed that they did not deal with my missing claims, so I went back to my broker asking for a copy of the insurers letter declining my claims. My broker refused to provide this letter. Another warning sign! I now have to assume that such letter does not exist. I continued asking, and was refused, and was then told to take legal action against my broker to request any further documentation regarding my claims. So I, as policy holder, was denied a copy of the official letter from my insurer declining my claims! My attorney then wrote to Indwe asking for copies of all relevant documents, and all we received was a copy of my policy document and an email explaining how my other two claims had been processed. This was another insult, why would we request information on the approved claims. We had asked for information on the declined claims. Another delaying tactic. I now have to take legal action against my broker to obtain the information that I, as policy holder, am entitled to receive. Another warning sign that my broker is hiding something! That is my experience with Indwe. First, they forgot to register my claims, then they state my claims had been denied, then they offered me a R20,000 bribe to make it all go away, and then they stopped communicating with me and informed me I have to take legal action against them to obtain the documents that I, as policy holder, am entitled to receive! Surely if everything was above board my broker should be willing to provide me with all required correspondence, including the letter of denial from my insurer and the agreement of loss? Basics that a policyholder is entitled to? ******, *****s or honourable insurance brokers?
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Anonymous
1 reviews | Active since Jan 2020
18 Dec 2025, 11:18
Broker forgets to register R1000,000 claim - then offers R20,000 compensation for his error
I have been dealing with Indwe Risk Services for two claims resulting from water damage in June 2024. It is now 16 months later and Indwe are still kicking my claims down the road and have now informed me to take legal action against them. In a nutshell, I had water damage on 5 June 2024, an assessor was appointed who identified 4 claims. However, I later found out that my broker only registered 2 of the 4 claims. That was the first warning sign! 2 registered claims, 2 unregistered claims! The missing claims were never registered, never processed, never assigned to an assessor, but my broker then came to see me ten weeks later to inform me that my missing claims had suddenly been declined, without providing me with a letter from my insurer or the agreement of loss. My broker had appointed himself assessor and had decided my claims should be declined. That was another warning sign! After 16 months my broker has still not provided me with a letter from the insurer, because I assume it does not exist, and he has now informed me I have to take legal action against him to obtain documents that I, as policyholder, am entitled to receive. The two “missing claims” were not processed, not approved, not paid out. In total I submitted 9 costs for the one claim, 2 costs for the other claim and 10 reminders. All ignored. There was no feedback from my broker, other than informing me that I had to wait. Not sure why, but that was their feedback. After ten weeks my broker arrived at my office and informed me that my two missing claims had been denied by SANTAM. No supporting documents, no assessor reports, no agreements of loss, nothing. Another warning sign that something was wrong. As I understand the process, once a claim is declined the insurer issues such a letter and the broker presents this to the policy holder. The broker does not decline a claim, an insurer does. So what happened in my case? Another warning sign! I asked for a letter from my insurer and my broker assured me he would be contacting SANTAM to obtain such letter. I am still waiting for this. Another warning sign! My broker did not respond, again, so I escalated this to all financial regulators. I already suspected that the two missing claims were never processed. So fast track to 2025, about 8 months later, when FAISOMBUD commented that there seemed to be confusion about the assessors dealing with my two “missing claims”. I referred the matter back to Indwe, we had a meeting and they confirmed that they were confused about the assessors and offered me R20,000 compensation for their error. As my claims were for R1,000,000 and R27,500 respectively, a R20,000 settlement was an insult. This was another warning sign that something had gone wrong. A broker offering a cash settlement for their error? I then contacted SANTAM who confirmed that my missing claims were never registered and that they never issued a letter declining them. So back to my broker and I asked why my missing claims had never been registered. My broker informed me that the other assessors would have dealt with the missing claims. After checking the assessor reports I confirmed that they did not deal with my missing claims, so I went back to my broker asking for a copy of the insurers letter declining my claims. My broker refused to provide this letter. Another warning sign! I now have to assume that such letter does not exist. I continued asking, and was refused, and was then told to take legal action against my broker to request any further documentation regarding my claims. So I, as policy holder, was denied a copy of the official letter from my insurer declining my claims! My attorney then wrote to Indwe asking for copies of all relevant documents, and all we received was a copy of my policy document and an email explaining how my other two claims had been processed. This was another insult, why would we request information on the approved claims. We had asked for information on the declined claims. Another delaying tactic. I now have to take legal action against my broker to obtain the information that I, as policy holder, am entitled to receive. Another warning sign that my broker is hiding something! That is my experience with Indwe. First, they forgot to register my claims, then they state my claims had been denied, then they offered me a R20,000 bribe to make it all go away, and then they stopped communicating with me and informed me I have to take legal action against them to obtain the documents that I, as policy holder, am entitled to receive! Surely if everything was above board my broker should be willing to provide me with all required correspondence, including the letter of denial from my insurer and the agreement of loss? Basics that a policyholder is entitled to? ******, *****s or honourable insurance brokers?
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Anonymous
1 reviews | Active since Jan 2020
12 Dec 2025, 17:12
Dysfunctional retarded
These idiots are completely dysfunctional....and the are in partnership with Brolink as their assessors, also dysfunctional, can't get answers from them, I wonder if it is actually worth having vehicle insurance, these ******s are insurance **** artists, writing vehicles off left, right and center, I didn't fall for their ****....still no answers, I have paid for my vehicle damage myself and I am driving the vehicle but they still want to write my vehicle off.....dysfunctionally retarded company
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Anonymous
1 reviews | Active since Jan 2020
12 Dec 2025, 17:12
Dysfunctional retarded
These idiots are completely dysfunctional....and the are in partnership with Brolink as their assessors, also dysfunctional, can't get answers from them, I wonder if it is actually worth having vehicle insurance, these ******s are insurance **** artists, writing vehicles off left, right and center, I didn't fall for their ****....still no answers, I have paid for my vehicle damage myself and I am driving the vehicle but they still want to write my vehicle off.....dysfunctionally retarded company
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