Claim not approved
<p>I have been with King Price for a little while now, and i insured my home/car/protable posessions with them. </p> <p>My phone had a fault, i booked it in... and they come back to me telling me that they dont know what happened to my phone and with that said they can not approve my claim!! How does that work... my phone was damaged and that is why i insured my phone (like every1 would do) but now you tell me you can not assist?!? </p> <p>and with that said, my contract doesnt even state what its insured for... when i signed up with King Price they told me my phone would be insured for damage... AND ITS DAMAGED!! </p> <p> </p> <p>I AM NOT HAPPY WITH THE REASON BEHIND MY CLAIM NOT BEING APPORVED!!!! </p> <p>I HAVE THE RIGHT MIND TO REMOVE ALL MY BELONGING UNDER THIS ISURANCE AS THEY WILL THEN COME TO ME AGAIN AND TELL ME THAT SORRY YOU HAVE BEEN A CLIENT FOR THE PAST 1-2 YEARS BUT WE CAN HELP YOU????!!</p> <p> </p>
Hi Zama
We are really sad that you are disappointed in us however you claimed for damage to your phone where you suspected that something liquid messed on it at a function and you only noticed the next day. The phone was sent to a service provider for a damage report and the service provider confirmed that there was no liquid or physical damage to the item whatsoever. The service provider as a process of elimination even went as far as replacing the screen and battery and still the item would not function. It was also noted that the phone has previously had a screen replacement aftermarket as well as a battery replacement which is evident that the phone has previously been repaired . We therefore can conclude that there is a software/hardware failure on the phone which the policy unfortunately does not cover, see below excerpt of your policy wording page 9 :
Things that are never covered by King Price
(Or by any other short term insurance company we’ve ever met)
This policy doesn’t cover any loss, damage, liability or injury directly or indirectly arising from any of the following:
Wear and tear or breakdown
This includes:
• Any cause that was not sudden and unforeseen.
• Mechanical, electrical, or electronic breakdown, defect or failure.
Based on all of the above we are unfortunately unable to be of assistance in this instance as there is no physical or liquid damage to the phone. Should you require any further assistance please do not hesitate to contact.
Royal regards
The kings court
Hi Zama
We are really sad that you are disappointed in us however you claimed for damage to your phone where you suspected that something liquid messed on it at a function and you only noticed the next day. The phone was sent to a service provider for a damage report and the service provider confirmed that there was no liquid or physical damage to the item whatsoever. The service provider as a process of elimination even went as far as replacing the screen and battery and still the item would not function. It was also noted that the phone has previously had a screen replacement aftermarket as well as a battery replacement which is evident that the phone has previously been repaired . We therefore can conclude that there is a software/hardware failure on the phone which the policy unfortunately does not cover, see below excerpt of your policy wording page 9 :
Things that are never covered by King Price
(Or by any other short term insurance company we’ve ever met)
This policy doesn’t cover any loss, damage, liability or injury directly or indirectly arising from any of the following:
Wear and tear or breakdown
This includes:
• Any cause that was not sudden and unforeseen.
• Mechanical, electrical, or electronic breakdown, defect or failure.
Based on all of the above we are unfortunately unable to be of assistance in this instance as there is no physical or liquid damage to the phone. Should you require any further assistance please do not hesitate to contact.
Royal regards
The kings court