Magma HDI gave me a competitive motor quote and buying was simple. But when I called for a small query about my add-on covers, I was bounced between departments. The product seems solid and the price is right, yet the service experience leaves me unsure about renewing.
Competitive quote, simple purchase
Disjointed customer service
When my car needed repairs, I found that the nearest cashless garage in Magma HDI's network was far from my city, so I had to go the reimbursement route. The reimbursement then took weeks and several document resubmissions. The cover is fine on paper but the network let me down.
Thin garage network, slow reimbursement
Raised a claim with Magma HDI after my car was damaged and the final settlement after deductions was much lower than the repair estimate. The depreciation logic was never properly explained and I ended up paying a big share myself. Left me disappointed with the value of the cover.
Low settlement, unclear depreciation
We took a commercial lines policy with Magma HDI for our small business and it does the job. The cover terms were acceptable but getting endorsements and policy corrections done took several follow-ups. Torn between the decent pricing and the sluggish back-office service.
Acceptable pricing
Slow endorsements and corrections
Magma HDI's health policy itself is reasonable and the premium was fair when I bought it. However, the constant renewal and upsell calls became genuinely annoying. The product is fine; the marketing pressure is what holds me back from recommending strongly.
Fair premium
Too many pushy calls