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Dion P

1 reviews | Active since Oct 2019

24 Jan 2024, 12:16

Discovery Insure rejecting valid claim

I have been a Discovery Insure client for around five years and have, generally, been fairly happy with their service. About four years ago, I lodged a claim for a collapsed built-in bookcase at my home. The claim was approved and a contractor appointed by Discovery Insure, who carried out the work.

Now, the bookcase is collapsing again and I have propped it up with a stick to prevent it breaking and falling on somebody, so I put in another claim, including a quote and damage report from a contractor.

Yesterday, I received a terse email from the Discovery Insure Consultant saying,

" Good day

Kindly note that as per the report you have sent, there is no insured peril therefore I will be rejecting your claim.

Insurance covers insurable perils and not damages , with the attached there isn’t an insured peril.

I responded by saying that there is an insurable peril as, if that bookcase collapses on somebody working at the desk below it, they could be badly hurt.

I have received no response from her. The value of the claim is very small and should, surely, seeing that this claim was honoured before and obviously not repaired to a high enough standard by the Discovery Insure contractor, this claim should be honoured??

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Replies (1)
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Dion P's update24 Jan 2024, 14:45
Reviewer Update
Thank you. I have been emailed and told that a Rejection Letter will be sent to me and I can then follow the rejection claims dispute.