Device Insurance

I have taken out and insurance for my device with Hollard through Cell C and it now 4 months now I lost the device and Hollard responded back to me on the 31st of October 2019 after they have seen a post I made on Hellopeter, below is their response to me:

"Good day SAKIA MO***ENG

Kindly note your claim has been reviewed by Hollard and they have found that it does not comply with the terms and conditions of the insurance. Unfortunately your claim cannot be honoured."

And also received a call from Noluthando telling me that they will not pay out because when I took an upgrade from cell c I requested that they insurer the device and it was insured with Hollard via cell c. Now that I have lost the device Hollard tells me that because I inserted a different SIM card in that device they will not pay. They are saying that they have sent me terms and condition via an SMS and I did not receive any SMS from them regarding Terms and Conditions. I asked them why did they send them via SMS because between myself and Cell C I receive my communications via email why did they send them via sms they then said that Cell C did not provide them with my full contact information.

I strongly believe that between Hollard and cell c they need to solve it amongst themselves and give me my device back.

And I then only received two SMS from Hollard for the first time say that I have successfully cancelled my insurance with them and I have not requested to cancelled the insurance instead I requested a call recording from Hallard and Noluthando said she will feedback to me on Monday the 4th she never did. This surely shows that the partnership between Hollard and Cell C is to Rip people off and I strongly recommend that nobody should get involved with these organisations.