Cancel Guardrisk Insurance

Oh my word. The horror. I don't think a more ridiculous insurance product exists on the planet.

When I upgraded my device with MTN, I took the insurance package as well. I was advised by the consultant who was helping me that i can only use two numbers on the phone, I should never use any other sim on the device or else my claim would not be honoured.

I am not a dim-wit so I understood this. Its not rocket science.

The primary number was the number i got the upgrade on and I added the secondary number as the number i use daily. I have no other number.

My phone was damaged accidentally on 2019/11/14. I submitted a claim on 2019/11/19. I did not hear from MTN or Guardrisk for a whole week. I then called and was advised that the claim was sent for further investigation with the underwriters. I took this and waited a further two weeks then i called again because no one had called/emailed me with any feedback.

On 2019/12/09 i called MTN Insurance, I spoke to 2 consultants who put me on hold then proceeded to cut the call, then the third consultant said she would escalate the matter and someone would contact me within 48hrs. I gave them three days and DOLOLO feedback.

I then called on 2019/12/12 and again i spoke to a consultant who put me on hold then cut the call after i had advised her not to do so. After the call was cut I received an email advising me that my claim had been rejected as i had used another number on the insured device. THAT is RIDICULOUS. MTN/Gaudrisk pulled that one out of their backside. See they want to allege a material fact like that then not back it up with evidence. Tell me when i did that? what sim did i use? what number and tell me who i called/messaged? A big company like that cannot make false claims like that and sit back...no MTN u need to prove this because u are the one alleging that I have acted in contravention of the contract. It is ********* and immoral to just reject claims. I have one sim. no other active sim.

I am so disappointed. I have been a loyal MTN customer, this experience has coloured MTN in my eyes and I will have to start looking into ending all business with MTN. Even though the insurance is administered by a different company, Guardrisk, I believe birds on a feather flock together: if Guardrisk is appaling then the same is true for MTN. I have car insurance with Guardrisk, I will be moving this as well.