TD
Tshegofatso D
1 reviews | Active since Oct 2015
15 Oct 2015, 14:22
REJECTED CLAIM : LACK OF USAGE
I logged a claim for my Samsung S4 which was lost, all document have been submitted. I get a call back to tell me that my claim has been rejected because of \USAGE". The phone was not being used as my primary number so there were no outgoing calls only incoming SMSs and calls were being received.I was told to get proof from MTN of which I did"
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24Hour Mobility Cellphone Insurance's replyOfficial
15 Oct 2015, 15:23Hello Evlogia,
Thank you for bringing the above matter to our attention,
Please be advised that the underwriter is bound by the terms of the policy which state:
It is important to note that the MOBILE DEVICE is only covered whilst being used with the SIMCARD encoded with telephone number listed on your Schedule. The policy allows for up to 2 numbers to be listed on the schedule. Either one of these listed numbers must be used in the insured device at all times.
After usage was checked using the MTN system it was found that the insured number was last used in the handset the month before the claim occurred. The documentation received to motivate the claim was not found sufficient to confirm usage of the insured number in the insured device at the time of loss. The underwriter could therefore not over turn the claim.
Should you wish to take the matter further please feel free to contact the short term insurance ombudsman who is there to ensure fair business practice within the short term insurance industry.
Kind Regards
Megan Hope
***
Thank you for bringing the above matter to our attention,
Please be advised that the underwriter is bound by the terms of the policy which state:
It is important to note that the MOBILE DEVICE is only covered whilst being used with the SIMCARD encoded with telephone number listed on your Schedule. The policy allows for up to 2 numbers to be listed on the schedule. Either one of these listed numbers must be used in the insured device at all times.
After usage was checked using the MTN system it was found that the insured number was last used in the handset the month before the claim occurred. The documentation received to motivate the claim was not found sufficient to confirm usage of the insured number in the insured device at the time of loss. The underwriter could therefore not over turn the claim.
Should you wish to take the matter further please feel free to contact the short term insurance ombudsman who is there to ensure fair business practice within the short term insurance industry.
Kind Regards
Megan Hope
***
24Hour Mobility Cellphone Insurance's reply15 Oct 2015, 15:23
Official
Hello Evlogia,
Thank you for bringing the above matter to our attention,
Please be advised that the underwriter is bound by the terms of the policy which state:
It is important to note that the MOBILE DEVICE is only covered whilst being used with the SIMCARD encoded with telephone number listed on your Schedule. The policy allows for up to 2 numbers to be listed on the schedule. Either one of these listed numbers must be used in the insured device at all times.
After usage was checked using the MTN system it was found that the insured number was last used in the handset the month before the claim occurred. The documentation received to motivate the claim was not found sufficient to confirm usage of the insured number in the insured device at the time of loss. The underwriter could therefore not over turn the claim.
Should you wish to take the matter further please feel free to contact the short term insurance ombudsman who is there to ensure fair business practice within the short term insurance industry.
Kind Regards
Megan Hope
***
Thank you for bringing the above matter to our attention,
Please be advised that the underwriter is bound by the terms of the policy which state:
It is important to note that the MOBILE DEVICE is only covered whilst being used with the SIMCARD encoded with telephone number listed on your Schedule. The policy allows for up to 2 numbers to be listed on the schedule. Either one of these listed numbers must be used in the insured device at all times.
After usage was checked using the MTN system it was found that the insured number was last used in the handset the month before the claim occurred. The documentation received to motivate the claim was not found sufficient to confirm usage of the insured number in the insured device at the time of loss. The underwriter could therefore not over turn the claim.
Should you wish to take the matter further please feel free to contact the short term insurance ombudsman who is there to ensure fair business practice within the short term insurance industry.
Kind Regards
Megan Hope
***