1 reviews | Active since Feb 2014
DECLINED CLAIM
I AM REALLY DISAPPOINTED AT THE EXTENT OF HOW INSURANCE COMPANIES DO ALL THEY CAN TO NOT PAY CLAIMS, IRRESPECTIVE TO ONE BEING A LOYAL CUSTOMER. MY GIRLFRIEND WHO'S PHONE I HAVE INSURED GOT DAMAGED AND A RIDICULOUS TECHNICALITY IS THE REASON I CANT HAVE THE CLAIM PROCESSED. ABOUT 3 WEEKS AGO MY GIRLFRIEND WAS GOING ON AN EDUCATIONAL TOUR TO JNB AND SUN CITY. BECAUSE SHE REGARDED THE AREA SHE WAS GOING TO AS UNPREDICTABLE SHE DECIDED TO LEAVE HER PHONE BEHIND AND BY SO DOING SHE REMOVED HER SIM CARD. UNFORTUNATELY WHEN SHE GOT BACK AND SHE WAS ABOUT TO INSERT THE SIM CARD IN THE PHONE, THE PHONE DROPPED TO THE GROUND AND CRACKED THE SCREEN. WHEN I SENT THE CLAIM TO FIX THE SCREEN IM TOLD IT CANT BE PROCESSED BECAUSE THE SIM CARD WAS NOT IN THE PHONE. <br> <br> WHAT I DO NOT UNDERSTAND IS, WHAT EXACTLY IS THE CORRELATION BETWEEN THE SIM CARD AND THE FALLING OF THE PHONE?!! SO IF THE PHONE FALLS WITH THE SIM CARD INSIDE THEN THE CLAIM IS VALID BUT IF IT DOES NOT THEN THE CLAIM IS DENIED. IT IS AS THOUGH THE SIM CARD BEING IN THE PHONE TRACKS THE CRACKS.<br> <br> NOW I HAVE A BROKEN PHONE AND I HAVE AN INSURANCE POLICY THAT WONT PAY OUT. ITS TOO BAD THAT IM GOING TO CANCEL OUR 3 POLICIES OVER THIS.
Thank you for bringing the above complaint to our attention,
Please be advised that the handset was last used with the insured number on the 12/07/2015, the claim occurred on the 05/08/2015.
The policy wording states:
It is important to note that your MOBILE DEVICE is only covered whilst being used with the SIMCARD encoded with the TELEPHONE number listed on your Schedule.
The underwriter who has the authority to decline or authorize claims and is bound by the terms of the policy; has had no other option but to decline the claim as the above policy term has not been met.
please be advised that I will be forwarding the above complaint to their office as motivation for the claim on your behalf.
Should the claim remain declined the only other option would be for you to approach the short term insurance ombudsman should you feel unfairly treated. The ombudsman is there to ensure fair business practice.
Kind Regards
Megan Hope
***
Thank you for bringing the above complaint to our attention,
Please be advised that the handset was last used with the insured number on the 12/07/2015, the claim occurred on the 05/08/2015.
The policy wording states:
It is important to note that your MOBILE DEVICE is only covered whilst being used with the SIMCARD encoded with the TELEPHONE number listed on your Schedule.
The underwriter who has the authority to decline or authorize claims and is bound by the terms of the policy; has had no other option but to decline the claim as the above policy term has not been met.
please be advised that I will be forwarding the above complaint to their office as motivation for the claim on your behalf.
Should the claim remain declined the only other option would be for you to approach the short term insurance ombudsman should you feel unfairly treated. The ombudsman is there to ensure fair business practice.
Kind Regards
Megan Hope
***