NM
Ntembiso M
1 reviews | Active since May 2012
16 Feb 2016, 04:00
Rejected claim
I lost my phone while waiting for the company to come and collect for repairs since it was dead. on the day of collection I only then realized that it was missing. I have been keeping it in my locker and I think I must have missed to click the padlock. Since there were no signs of break in my insurance rejected my claim and I did not claim for theft I only claimed for loss but the response I got was as if I have accused someone for breaking into. My phone is covered for damages(even water), theft and loss. I have claimed for one of those but my claim has been declined and my question is when do I claim for loss if I am being blamed for my loss?
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Replies (1)
24Hour Mobility Cellphone Insurance's replyOfficial
16 Feb 2016, 09:30Hello ntembim,
Thank you for bringing the above complaint to our attention.
Please be advised that in order to have a valid claim all of the obligations of the policy need to be met.
Policy Wording:
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.
and
At all times you must take reasonable steps to safeguard the MOBILE DEVICE from loss,
damage or theft.
and
The Insurer may request proof of forcible entry in the event of a locker,
drawer or locked storage compartment being broken into.
The underwriter is bound by the terms of the policy and has therefore had no other option but to decline this claim.
If you feel that you have been unfairly treated, please contact the Short Term Insurance Ombudsman ***or ***
We always endeavour to assist our clients where ever possible and know how frustrating it can be to be without your mobile device; I am sorry that your claim is not being processed due to policy requirements not met.
Kind Regards,
Pauline Goosen
***
Thank you for bringing the above complaint to our attention.
Please be advised that in order to have a valid claim all of the obligations of the policy need to be met.
Policy Wording:
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.
and
At all times you must take reasonable steps to safeguard the MOBILE DEVICE from loss,
damage or theft.
and
The Insurer may request proof of forcible entry in the event of a locker,
drawer or locked storage compartment being broken into.
The underwriter is bound by the terms of the policy and has therefore had no other option but to decline this claim.
If you feel that you have been unfairly treated, please contact the Short Term Insurance Ombudsman ***or ***
We always endeavour to assist our clients where ever possible and know how frustrating it can be to be without your mobile device; I am sorry that your claim is not being processed due to policy requirements not met.
Kind Regards,
Pauline Goosen
***
24Hour Mobility Cellphone Insurance's reply16 Feb 2016, 09:30
Official
Hello ntembim,
Thank you for bringing the above complaint to our attention.
Please be advised that in order to have a valid claim all of the obligations of the policy need to be met.
Policy Wording:
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.
and
At all times you must take reasonable steps to safeguard the MOBILE DEVICE from loss,
damage or theft.
and
The Insurer may request proof of forcible entry in the event of a locker,
drawer or locked storage compartment being broken into.
The underwriter is bound by the terms of the policy and has therefore had no other option but to decline this claim.
If you feel that you have been unfairly treated, please contact the Short Term Insurance Ombudsman ***or ***
We always endeavour to assist our clients where ever possible and know how frustrating it can be to be without your mobile device; I am sorry that your claim is not being processed due to policy requirements not met.
Kind Regards,
Pauline Goosen
***
Thank you for bringing the above complaint to our attention.
Please be advised that in order to have a valid claim all of the obligations of the policy need to be met.
Policy Wording:
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.
and
At all times you must take reasonable steps to safeguard the MOBILE DEVICE from loss,
damage or theft.
and
The Insurer may request proof of forcible entry in the event of a locker,
drawer or locked storage compartment being broken into.
The underwriter is bound by the terms of the policy and has therefore had no other option but to decline this claim.
If you feel that you have been unfairly treated, please contact the Short Term Insurance Ombudsman ***or ***
We always endeavour to assist our clients where ever possible and know how frustrating it can be to be without your mobile device; I am sorry that your claim is not being processed due to policy requirements not met.
Kind Regards,
Pauline Goosen
***