1 reviews | Active since Jan 2014
WORSE CELLPHONE INSURANCE EVER
<p>IVE PAYED ALL MY PREMIUMS FROM 2013 R120 PER MONTH, WAS NOT INFORMED WHEN I GET AN UPGRADE THAT I WILL NOT BE COVERED FIRSTLY. (R120 PER MONTH) I WAS COVERED FOR ALL RISK COVER IN MY EYES THIS COVERS EVERYTHING LOST AND THEFT. GOING ON 3 YEARS I LOSTED MY OLD UNIT WHILE AT WORK. DECLINED DUE TO THE POLICY WHICH I WAS NOT PRESENTED ON DAY OF TAKING THE INSURANCE, I STILL GOT THE PAPER WORK I WAS GIVEN AND SIGNED FOR IN THE MTN STORE WHEN I PURCHASED THE UNIT. NO POLICY ATTACHED, NO EMAIL, NO PROOF OF ME GETTING A POLICY. SO I DECIDED I WOULD CLAIM MY LOST DEVICE WHICH YOU ARE TECHNICALLY NOT COVERED FOR BECAUSE ALL RISK COVER DOES NOT COVER PUBLIC AREAS WHICH IN TURN MEANS YOU MUST LOSE YOUR UNIT IN A PRIVATE AREA. I WAS CALLED AND ASKED FOR DETAILS ON HOW I LOST IT LIKE REALLY I DO NOT KNOW HENSE WHY I BLACKLISTED THE UNIT, I WAS FURIOUS TO THE FACT THE JOHN STATED I MISPLACED THE UNIT. MY GOOD SIR I DID NOT STATE THAT I LEFT IT IN MY OWKR PLACE I STATED IN OR OUT THE AREA OF MY WORK PLACE MEANING IT COULD BE LOST ANY WHERE OTHER THAN MY WORK PLACE. SO I HAVE BEEN DECLINDED THE COVER OF MY SAMSUNG S4 I HAVE NOW LOST MONEY FROM PAYING PREMIUMS WHICH COULD OF COVERED MY LOSS. THEY WILL USE THE POLICY AS A LOOP HOLE BUT THEY HAVE **** TO STATE THAT I MISPLACED THE UNIT BY ASSUMING MY STATEMENT WAS ABOUT THE LOSS, AND NOT MY WORKPLACE ENVIRONMENT. THIS HAS NOW COST ME A GREAT LOSS OF A PHONE. I ASKED THEM TO TELL ME WHAT A LOST UNIT IS AND THEY STATED A DEVICE LOST IN A PUBLIC AREA IS NOT COVERED.... BUT THE WORD LOST IS (<span style="color: #222222; font-family: arial, sans-serif-light, sans-serif; font-size: small; background-color: #ffffff;">not knowing one's whereabouts) T</span><span style="color: #222222; font-family: arial, sans-serif-light, sans-serif; font-size: small; background-color: #ffffff;">hat has been taken away or cannot be recovered. THIS IS WHAT THEY COVER BUT ALL RISK COVER IS ACTUALLY **** AS TO THEIR FALSE ADVERTISMENT. I HAD TO SEARCH FOR ALL THIS INFO ON THEIR WEBSITE I DID NOT KNOW I WAS EVEN PAYING AFTER 2 YEARS. MY CANCELLATION PROCESS WAS A BREEZE THEY EVEN ASKED ME TO HELLO PETER THEM SO HERE IS MY EXPERIENCE WITH THIS MESSED UP POLICY OF ALL RISK COVER. THEY WILL DRAIN YOUR MONEY, BEWARE.</span></p>
Dear Mr KYLE HENRY HOSKINS,
Thank you for bringing the above matter to our attention.
I have looked into the matter and from the notes on the system it states that you advised John that the handset was left by your PC in an open office.
The policy 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 forwarded the above complaint to the underwriters office for review and will request that they listen to the call recording. If on the call it is advised to John that the handset was left unattended, in your office, then the claim will remain declined as this is an exclusion of the policy.
The underwriter who processed your claim is bound by the terms of the policy and can only approve the claim covered under the policy terms.
The underwriter sent links to the policy wording via sms to your insured number in 2014 and 2015, both of these SMS's where successfully received on the specified numbers provided to us. When the insurance was incepted the policy wording was e-mailed to *** automatically from the system. The policy wording was e-mailed to this e-mail address again on the 25/01/2016.
I trust you find this in order
Kind Regards
Megan Hope
Claims Manager- Pinnacle Marketing
***
Dear Mr KYLE HENRY HOSKINS,
Thank you for bringing the above matter to our attention.
I have looked into the matter and from the notes on the system it states that you advised John that the handset was left by your PC in an open office.
The policy 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 forwarded the above complaint to the underwriters office for review and will request that they listen to the call recording. If on the call it is advised to John that the handset was left unattended, in your office, then the claim will remain declined as this is an exclusion of the policy.
The underwriter who processed your claim is bound by the terms of the policy and can only approve the claim covered under the policy terms.
The underwriter sent links to the policy wording via sms to your insured number in 2014 and 2015, both of these SMS's where successfully received on the specified numbers provided to us. When the insurance was incepted the policy wording was e-mailed to *** automatically from the system. The policy wording was e-mailed to this e-mail address again on the 25/01/2016.
I trust you find this in order
Kind Regards
Megan Hope
Claims Manager- Pinnacle Marketing
***