1 reviews | Active since Apr 2016
Insurance Claim been declined
Hello Peter<br> <br> <br> <br> My name is Lindiwe Maselela. I had my phone (Samsung Galaxy Note3 N9005) insured with 24hourmobility cellphone insurance company on the 18th of August 2014 via MTN store Jacaranda center. I have been insure with them from 2014 to 2016. On Thursday 07th of April 2016 i lost my phone in the workplace bathroom. I forgot to take it with me when i left and on my return to look for it , it had already been taken. then on the 08th of April 2016 called the insurance people to let them know of the loss of my phone. Forms were sent to me to complete and they were completed and sent on Saturday the 09th of April 2016 and again on Monday the 11th of April. On that Monday afternoon at 16:12 i received a call from a lady named Tamsyn form the insurance company telling me that my claim was declined due to the following reasons:<br> <br> 1. The insured sim card was not in the device at the time of the incident (Which is incorrect) I'm only using that sim cad in the phone.<br> <br> 2. I left the phone unattended in a public place.<br> <br> I cannot just leave my phone everywhere hence i took it with me to the bathroom.<br> <br> <br> <br> Your help in this regard will be highly appreciated
Thank you for bringing the above matter to our attention,
I have investigated the claim and can see that the claim has been declined by your underwriter who is bound by the terms of the policy.
The policy wording states:
EXCLUSIONS APPLICABLE TO ALL SECTIONS OF THE POLICY (What you are not covered for).
viii) Loss or damage arising from the MOBILE DEVICE where it is left unattended
in a public place, place of recreation, office, mall or social occasion where it
is vulnerable for easy removal or damage.
I have checked your usage and can see that you where using you insured number in your handset at the time of loss.
The claim however remains declined as the handset was forgotten in a public place. The policy unfortunately does not cover this situation. The underwriter can only approve a claim in the event that the policy provides cover for the particular situation. The policy wording clearly states this as a exclusion.
I do apologize that I am unable to assist further with this situation.
Please note that this complaint has been sent to the underwriters office for their records.
Kind Regards
Megan Hope
Claims Manager Pinnacle Marketing
***
Thank you for bringing the above matter to our attention,
I have investigated the claim and can see that the claim has been declined by your underwriter who is bound by the terms of the policy.
The policy wording states:
EXCLUSIONS APPLICABLE TO ALL SECTIONS OF THE POLICY (What you are not covered for).
viii) Loss or damage arising from the MOBILE DEVICE where it is left unattended
in a public place, place of recreation, office, mall or social occasion where it
is vulnerable for easy removal or damage.
I have checked your usage and can see that you where using you insured number in your handset at the time of loss.
The claim however remains declined as the handset was forgotten in a public place. The policy unfortunately does not cover this situation. The underwriter can only approve a claim in the event that the policy provides cover for the particular situation. The policy wording clearly states this as a exclusion.
I do apologize that I am unable to assist further with this situation.
Please note that this complaint has been sent to the underwriters office for their records.
Kind Regards
Megan Hope
Claims Manager Pinnacle Marketing
***