Momentum Insure
4.5|26,727 reviews
MH
Mahomed H
1 reviews | Active since Member
28 May 2026, 06:31
Re: CP1092399MS/Clarification Regarding Premium Increase and Recovery Process
Good day Dear William, Trust you are well. Further to your comments below, I would like clarity on whether I am now considered a high-risk client despite having provided the Traffic Registration Number (TRN) of the foreign national who collided with my vehicle.
I am concerned that your underwriters increased my insurance premium on the basis that recovery of the excess and damages may not be possible, even though I fully cooperated and supp**** the relevant TRN details.
I have already been required to pay the excess R3500, and I would appreciate confirmation that I will not be unfairly prejudiced or penalised due to circumstances beyond my control.
Kindly clarify your position regarding:
Recovery of the excess paid; Recovery of damages from the third party; and Whether this incident will negatively impact my premium or risk profile. I remain very concerned that I may be treated unfairly despite having provided all available information relating to the third party involved.
Kind regards,
Very Concerned Client M Hassen
Helpful (0)
Replies (2)0
Replies (2)Momentum Insure's replyOfficial
28 May 2026, 06:49Hello Mahomed. We’re sorry to hear that your experience was not what you expect from us. We’d like to investigate this to prevent it from happening again.
Please give us an opportunity to engage with the relevant team and we will be in touch with you. Keep safe Brenda Keeping you safe on your journey to success.
Please give us an opportunity to engage with the relevant team and we will be in touch with you. Keep safe Brenda Keeping you safe on your journey to success.
Best regards,
Momentum Insure's reply28 May 2026, 06:49
Official
Hello Mahomed. We’re sorry to hear that your experience was not what you expect from us. We’d like to investigate this to prevent it from happening again.
Please give us an opportunity to engage with the relevant team and we will be in touch with you. Keep safe Brenda Keeping you safe on your journey to success.
Please give us an opportunity to engage with the relevant team and we will be in touch with you. Keep safe Brenda Keeping you safe on your journey to success.
Best regards,
MH
Mahomed H's updateReviewer Update
29 May 2026, 17:40Good day Thank you for your response.If recovery against foreign nationals is not guaranteed, despite clients providing valid Traffic Registration Numbers issued by the South African licensing authorities, then this should be clearly disclosed to policyholders before premiums are accepted.It is extremely unfair for insured clients to suffer financial prejudice after an accident caused by a foreign national driver who cannot later be traced, even when their Traffic Registration Number was provided to the insurer.Clients are paying premiums in good faith with the understanding that reasonable recovery processes are in place. If insurers are unable to recover damages or excess payments due to tracing difficulties, this raises serious concerns regarding:
Very concerned client
- potential premium increases against innocent insured drivers,
- recovery of the excess already paid,
- and transparency towards clients at the inception of the policy.
Very concerned client
MH
Mahomed H's update29 May 2026, 17:40
Reviewer Update
Good day Thank you for your response.If recovery against foreign nationals is not guaranteed, despite clients providing valid Traffic Registration Numbers issued by the South African licensing authorities, then this should be clearly disclosed to policyholders before premiums are accepted.It is extremely unfair for insured clients to suffer financial prejudice after an accident caused by a foreign national driver who cannot later be traced, even when their Traffic Registration Number was provided to the insurer.Clients are paying premiums in good faith with the understanding that reasonable recovery processes are in place. If insurers are unable to recover damages or excess payments due to tracing difficulties, this raises serious concerns regarding:
Very concerned client
- potential premium increases against innocent insured drivers,
- recovery of the excess already paid,
- and transparency towards clients at the inception of the policy.
Very concerned client