Insurance Claim Unfairly Rejected – Poor Disclosure at Point of Sale

I purchased a laptop at Hi-Fi Corp along with insurance for the device, trusting that I was adequately covered in case of theft. Unfortunately, my laptop was recently ****** from my locked vehicle, while parked in a secure, access-controlled parking lot. The laptop was inside a zipped bag on the back seat and not visible, especially since my car windows are tinted black.

Despite taking all reasonable precautions, the insurance claim was rejected on the grounds that the item was not "out of sight" and that the vehicle was not "housed in a securely locked building." This is completely unreasonable.

What’s worse is that at no point during the sale did Hi-Fi Corp staff go through the terms and conditions or explain such exclusions. I was never told that my claim would be denied under these overly restrictive conditions. I feel this was a case of mis-selling insurance — the policy was sold without proper disclosure, which is against the principles of treating customers fairly.

I feel disappointed, misled, and unsupported. I urge Hi-Fi Corp and their insurance provider to review this decision and take responsibility for how this policy was sold.