SMART UMA
Verified Business
|1|5 Reviews (last 12 months)|Responds in 7h 51m
SMART UMA
Verified Business
|1
5 Reviews (last 12 months)
Responds in 7h 51m
Performance(last 12 months):
Ranked In Automotive
#105Reply Time
7h 51mNPS Score
-100Unlikely
Replied to 40% of negative reviews
Reply time on negative reviews: 7h 51m
Ranking
#105
in Automotive
Reply Time
7h 51m
NPS Score
-100
Recommended: Unlikely
Replied to 40% of negative reviews
Reply time on negative reviews: 7h 51m
Review Distribution
1|5 Reviews
Sep '25 - Aug '26
Recent reviews (5)
Used this business recently? Share your experience to help others decide.
Used this business recently? Share your experience to help others decide.
Share Your ExperienceTM
Tebogo M
1 reviews | Active since Dec 2019
9 Mar 2026, 08:25
Horrible service
Is been two weeks now my query it hasn't been resolved, they can't even call you to resolve your complaints, their turn around to respond to emails is ridiculous. Why there is not service at Smart uma?
Helpful (0)
|Replies (0)TM
Tebogo M
1 reviews | Active since Dec 2019
3 Mar 2026, 19:44
Horror service
Ladies and gentlemen what the hell is going on since Saturday the 28 of February till today the 3 of March 9 transections of debit orders from my bank account is been debited instead of 4 transections. I have emailed my bank statements since yesterday today no response. I need to someone higher to call me immediately and explain if all this bank charges that has been charged to me will be refunded or what compensation are you will to offer.
Helpful (0)
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Tebogo M
1 reviews | Active since Dec 2019
3 Mar 2026, 19:44
Horror service
Ladies and gentlemen what the hell is going on since Saturday the 28 of February till today the 3 of March 9 transections of debit orders from my bank account is been debited instead of 4 transections. I have emailed my bank statements since yesterday today no response. I need to someone higher to call me immediately and explain if all this bank charges that has been charged to me will be refunded or what compensation are you will to offer.
0
Replies (0)PR
Pavanisha R
1 reviews | Active since Feb 2026
25 Feb 2026, 17:20
Inflating costs to avoid honouring legitimate claims
I have held an active Scratch and Dent policy with FNB since 2023 and have consistently paid R99 per month without submitting a single claim over the past three years. On 22 January 2026, I submitted my first claim. As instructed, I provided the required photos via WhatsApp. I was later contacted and asked to submit more detailed images because the assessor “could not see any damage,” which already indicates how minor the damages were. I then supp**** additional photos with all affected areas clearly circled. After waiting approximately two weeks with no update, I followed up via email and WhatsApp. Only then was I informed that the repair cost had been quoted at R48,000, and because the policy covers only R3,000 per claim, my claim was rejected. Despite this, I was also told that no repairs would be authorised up to the R3,000 limit due to “accumulation of damage,” even though all damage occurred during the period I was actively paying for the policy. To verify the reasonableness of the quoted amount, I contacted independent repair shops. I was advised that stone chip repairs typically cost R150–R200 per chip, and minor dents R400–R500 each. Based on these standard industry prices, the total repair cost for my vehicle should not exceed R3,000. It is evident that the body shop used by SmartUMA has significantly inflated their pricing, making it impossible for customers to benefit from the policy. It is unacceptable that customers are not provided with multiple quotes or allowed to obtain independent quotations. I requested a copy of the quotation used to justify the rejection and received no response. The repair partner appears to be inflating costs to avoid honouring legitimate claims. Given this experience, I have lost confidence in the value and integrity of this policy. I cancelled my plan effective 16 February 2026. FNB should really consider using SmartUMA as the underwriter.
Helpful (0)
|Replies (1)PR
Pavanisha R
1 reviews | Active since Feb 2026
25 Feb 2026, 17:20
Inflating costs to avoid honouring legitimate claims
I have held an active Scratch and Dent policy with FNB since 2023 and have consistently paid R99 per month without submitting a single claim over the past three years. On 22 January 2026, I submitted my first claim. As instructed, I provided the required photos via WhatsApp. I was later contacted and asked to submit more detailed images because the assessor “could not see any damage,” which already indicates how minor the damages were. I then supp**** additional photos with all affected areas clearly circled. After waiting approximately two weeks with no update, I followed up via email and WhatsApp. Only then was I informed that the repair cost had been quoted at R48,000, and because the policy covers only R3,000 per claim, my claim was rejected. Despite this, I was also told that no repairs would be authorised up to the R3,000 limit due to “accumulation of damage,” even though all damage occurred during the period I was actively paying for the policy. To verify the reasonableness of the quoted amount, I contacted independent repair shops. I was advised that stone chip repairs typically cost R150–R200 per chip, and minor dents R400–R500 each. Based on these standard industry prices, the total repair cost for my vehicle should not exceed R3,000. It is evident that the body shop used by SmartUMA has significantly inflated their pricing, making it impossible for customers to benefit from the policy. It is unacceptable that customers are not provided with multiple quotes or allowed to obtain independent quotations. I requested a copy of the quotation used to justify the rejection and received no response. The repair partner appears to be inflating costs to avoid honouring legitimate claims. Given this experience, I have lost confidence in the value and integrity of this policy. I cancelled my plan effective 16 February 2026. FNB should really consider using SmartUMA as the underwriter.
0
Replies (1)eK
esli K
1 reviews | Active since May 2013
18 Feb 2026, 13:44
Misrepresentation, Undisclosed Finance Charges and Excessive Cancellation Costs
I purchased a maintenance/insurance plan after being informed on the sales call that it covered chips - which i thought was windscreen chips, but when I later submitted a claim, I was told it only covers paint chips — not window chips. I then cancelled the policy. Only at cancellation stage did I discover that this was not a simple monthly insurance premium. The full lump sum of the maintenance plan had been added to my vehicle finance agreement. I never received or signed an amended finance agreement authorising this. Here is what happened financially: I was charged R4,950 for the maintenance plan. I was charged R1,364.77 for “unearned finance charges” (never explained to me at point of sale). Upon cancellation, a further R4,654.55 was deducted as a cancellation fee. I was refunded R3,448.05. Total cost to me: R7,521.27 — despite only having the cover since August. It is unreasonable that cancelling a R4,950 plan results in costs almost double the value of the plan. I have requested: A full itemised reconciliation, The contractual clauses authorising these deductions, Their final written position on the dispute. More than five business days later, I have received no response. I have now raised the complaint with the ombudsman. This experience raises serious concerns about: Transparency at point of sale, Disclosure of financial implications, Capitalisation into finance agreements without clear written consent, The fairness of cancellation penalties. I have escalated the matter further and would caution others to fully understand how these products are structured before agreeing to them.
Helpful (0)
|Replies (0)eK
esli K
1 reviews | Active since May 2013
18 Feb 2026, 13:44
Misrepresentation, Undisclosed Finance Charges and Excessive Cancellation Costs
I purchased a maintenance/insurance plan after being informed on the sales call that it covered chips - which i thought was windscreen chips, but when I later submitted a claim, I was told it only covers paint chips — not window chips. I then cancelled the policy. Only at cancellation stage did I discover that this was not a simple monthly insurance premium. The full lump sum of the maintenance plan had been added to my vehicle finance agreement. I never received or signed an amended finance agreement authorising this. Here is what happened financially: I was charged R4,950 for the maintenance plan. I was charged R1,364.77 for “unearned finance charges” (never explained to me at point of sale). Upon cancellation, a further R4,654.55 was deducted as a cancellation fee. I was refunded R3,448.05. Total cost to me: R7,521.27 — despite only having the cover since August. It is unreasonable that cancelling a R4,950 plan results in costs almost double the value of the plan. I have requested: A full itemised reconciliation, The contractual clauses authorising these deductions, Their final written position on the dispute. More than five business days later, I have received no response. I have now raised the complaint with the ombudsman. This experience raises serious concerns about: Transparency at point of sale, Disclosure of financial implications, Capitalisation into finance agreements without clear written consent, The fairness of cancellation penalties. I have escalated the matter further and would caution others to fully understand how these products are structured before agreeing to them.
0
Replies (0)TM
Tebogo M
1 reviews | Active since Dec 2019
18 Feb 2026, 12:44
Terrible service
I have had enough with this company with my dent & scratch account. Their system fails numerous times to debit money from account for months , when I ask to find out what happened, they decide the day to double debit without asking th3 client if they can debit or to check there is enough funds in the account. I need the CEO of this complete call and explain this nonsense. Anna - Marie Van den Bergh she is not helpful at all
Helpful (0)
|Replies (2)TM
Tebogo M
1 reviews | Active since Dec 2019
18 Feb 2026, 12:44
Terrible service
I have had enough with this company with my dent & scratch account. Their system fails numerous times to debit money from account for months , when I ask to find out what happened, they decide the day to double debit without asking th3 client if they can debit or to check there is enough funds in the account. I need the CEO of this complete call and explain this nonsense. Anna - Marie Van den Bergh she is not helpful at all
0
Replies (2)