VL
Viva Life Insurance Limited
Verified Business
VL
AI Review Summary
Based on recent customer reviews, Viva Life Insurance Limited receives sharply divided feedback, with sentiment skewing toward dissatisfaction particularly around its device and cellphone insurance offering. Customers consistently mention frustration with delayed or denied claims, unresponsive communication, and concerns around policy transparency, including excess structures and forfeiture clauses. A recurring theme is that premiums are collected promptly while claim resolution feels obstructive. On the positive side, several customers highlight helpful, knowledgeable consultants by name, praising personalised service and clear explanations of policy cover during onboarding interactions.
Performance(last 12 months):
TrustIndex
4.3
Ranking
#79
in Insurance
NPS Score
-100
Recommended: Unlikely
Review Distribution
2.3|12 Reviews
Jul '25 - Jun '26
Recent reviews (12)
Used this business recently? Share your experience to help others decide.
Used this business recently? Share your experience to help others decide.
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Anonymous
1 reviews | Active since Jan 2020
27 Feb 2026, 17:47
Compliance Concern: Device Insurance Policy Transparency & Fairness
I am raising a compliance and consumer transparency concern regarding a device insurance policy administered by Viva Cover (Pty) Ltd (trading as Techsured) and underwritten by Guardrisk Insurance Company Ltd . After reviewing the full policy wording against the FAIS Act and the Policyholder Protection Rules (PPR), particularly within the Treating Customers Fairly (TCF) framework, several provisions raise material fairness considerations. Effective 40% Excess Within First 60 Days The policy applies: A 25% excess on all claims; and An additional 15% excess if a claim occurs within the first 60 days. This results in a potential 40% deduction from the claim value. From a TCF Outcome 3 perspective (clear and not misleading disclosure), the financial impact of this structure should be prominently and explicitly communicated at point of sale, as it significantly affects the value proposition of the product. Absolute 30-Day Forfeiture Clause The policy provides that failure to: Report a claim within 30 days; or Submit required documentation within 30 days results in automatic forfeiture of all benefits. This operates as a strict condition precedent to liability. In practice, such absolute forfeiture provisions raise proportionality considerations, particularly where minor or administrative delays may occur without prejudice to the insurer. Broad “Reasonable Precautions” Requirements The policy requires that devices must not be left in public places and must be safeguarded at all times. These clauses are broadly drafted and open to interpretation at claim stage. The concern is whether such wording may allow subjective assessment of precaution standards in genuine theft scenarios. Insurance products must not only be contractually enforceable — they must reflect transparency, proportionality, and fairness in application. I would welcome clarity from Viva Cover and Guardrisk on how these provisions are positioned to consumers at point of sale and how they align with TCF Outcomes 1, 3 and 6. Constructive engagement strengthens consumer confidence in the financial services sector. hashtag#Insurance hashtag#FAIS hashtag#TCF hashtag#Compliance hashtag#FinancialServices hashtag#ConsumerProtection hashtag#SouthAfrica
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Anonymous
1 reviews | Active since Jan 2020
27 Feb 2026, 17:47
Compliance Concern: Device Insurance Policy Transparency & Fairness
I am raising a compliance and consumer transparency concern regarding a device insurance policy administered by Viva Cover (Pty) Ltd (trading as Techsured) and underwritten by Guardrisk Insurance Company Ltd . After reviewing the full policy wording against the FAIS Act and the Policyholder Protection Rules (PPR), particularly within the Treating Customers Fairly (TCF) framework, several provisions raise material fairness considerations. Effective 40% Excess Within First 60 Days The policy applies: A 25% excess on all claims; and An additional 15% excess if a claim occurs within the first 60 days. This results in a potential 40% deduction from the claim value. From a TCF Outcome 3 perspective (clear and not misleading disclosure), the financial impact of this structure should be prominently and explicitly communicated at point of sale, as it significantly affects the value proposition of the product. Absolute 30-Day Forfeiture Clause The policy provides that failure to: Report a claim within 30 days; or Submit required documentation within 30 days results in automatic forfeiture of all benefits. This operates as a strict condition precedent to liability. In practice, such absolute forfeiture provisions raise proportionality considerations, particularly where minor or administrative delays may occur without prejudice to the insurer. Broad “Reasonable Precautions” Requirements The policy requires that devices must not be left in public places and must be safeguarded at all times. These clauses are broadly drafted and open to interpretation at claim stage. The concern is whether such wording may allow subjective assessment of precaution standards in genuine theft scenarios. Insurance products must not only be contractually enforceable — they must reflect transparency, proportionality, and fairness in application. I would welcome clarity from Viva Cover and Guardrisk on how these provisions are positioned to consumers at point of sale and how they align with TCF Outcomes 1, 3 and 6. Constructive engagement strengthens consumer confidence in the financial services sector. hashtag#Insurance hashtag#FAIS hashtag#TCF hashtag#Compliance hashtag#FinancialServices hashtag#ConsumerProtection hashtag#SouthAfrica
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Anonymous
1 reviews | Active since Jan 2020
10 Dec 2025, 12:19
Scares by Huaweicares and viva cover
****!!! I ensured my Huwawei phone with Huaweicares/viva cover in 2023 September and i lost my phone end of November 2025 and they are refusing to replace my phone saying the claim is not valid as i was not injured or harmed at the time of the incident. When I asked how is that possible they don't respond my emails. My issue is I'm i the one who's insured or the phone, is this a funeral cover ,injury cover or is this a cellphone cover I'm not getting any responses from the any more Hows and viva cover are ****s
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Anonymous
1 reviews | Active since Jan 2020
10 Dec 2025, 12:19
Scares by Huaweicares and viva cover
****!!! I ensured my Huwawei phone with Huaweicares/viva cover in 2023 September and i lost my phone end of November 2025 and they are refusing to replace my phone saying the claim is not valid as i was not injured or harmed at the time of the incident. When I asked how is that possible they don't respond my emails. My issue is I'm i the one who's insured or the phone, is this a funeral cover ,injury cover or is this a cellphone cover I'm not getting any responses from the any more Hows and viva cover are ****s
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Anonymous
1 reviews | Active since Jan 2020
30 Sept 2025, 09:26
Never join Huawei cares insurance they ****s
Beware when joining this insurance. It's a **** they will make you suffer for joining with them. I have been using Huawei mobile for till to date and this insurance company makes me hate #Huawei devices now . I have claimed since June 2025.everytimw they experiencing high claims. When I contacted them for repair they stopped deducting their monthly payment. Now I'm left stranded with my job on stake as I use it for business purpose . When I told them that they were rude telling me it's up to me to make a plan. Beware with Huawei cares insurance.as now no one is attending to my emails but I have been paying.
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Anonymous
1 reviews | Active since Jan 2020
30 Sept 2025, 09:26
Never join Huawei cares insurance they ****s
Beware when joining this insurance. It's a **** they will make you suffer for joining with them. I have been using Huawei mobile for till to date and this insurance company makes me hate #Huawei devices now . I have claimed since June 2025.everytimw they experiencing high claims. When I contacted them for repair they stopped deducting their monthly payment. Now I'm left stranded with my job on stake as I use it for business purpose . When I told them that they were rude telling me it's up to me to make a plan. Beware with Huawei cares insurance.as now no one is attending to my emails but I have been paying.
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