Unreasonable declined claim

I hereby lodge a formal complaint regarding the rejection of my insurance claim for my lost iPhone 14. In December 2025, I purchased an iPhone 14 for my daughter, who was a minor at the time, from Foschini Menlyn. During the sale, the Foschini sales consultant advised that the contract and insurance should be registered in my name because my daughter was underage. Acting on their advice, they completed all documentation using my personal details. Since December 2025, insurance premiums have been deducted and accepted without any objection from TFG Insurance. However, after I submitted a claim for the loss of the phone, the claim was rejected on the basis that my daughter was the user of the device.

I find this decision unfair and unreasonable. The arrangement was implemented based on the advice of the Foschini sales consultant, and I re**** on that advice in good faith. Had I been informed that my daughter's use of the phone would invalidate the cover, I would have addressed the matter at the time of purchase. I request that TFG investigate this matter thoroughly, including reviewing the in-store CCTV footage from the date of purchase at Foschini Menlyn, which will support my account of the advice provided by the sales consultant. I further request that TFG reconsider and overturn the rejection of my claim and compensate me for the insured iPhone 14, as premiums were continuously collected while cover was represented as being valid. I look forward to your urgent response and resolution of this matter.