Daylight ******* – What Exactly Am I Paying Insurance For?

I honestly don’t know what I am paying premiums for anymore.

In the last two months, every single claim I’ve made has been rejected for a different excuse, even when the fault was clearly on their side.

1. Tablet Claim: Approved, Paid Out… but Still on My Policy

They paid out the claim in January, but never removed the item. I’ve been paying premiums for something that no longer exists. Their mistake, my money.

2. First Laptop: Rejected for “Wear and Tear”

Laptop stopped working, I sent it in, they rejected it. I fixed it myself with instructions from ChatGPT, something their own assessors couldn’t do.

3. Second Laptop: Their Agent Didn’t Add It

This is the worst part. Their own agent failed to add my laptop and failed to remove a laptop that shouldn’t have been on the policy. When this came to light, instead of fixing their mistake, they rejected the claim AGAIN, this time saying “cracked screens aren’t covered.”

At this point I have to ask: What exactly do they cover? Accidental damage apparently isn’t covered. Wear and tear isn’t covered. And their agents can’t even update a policy correctly.

This is extremely unprofessional, careless, and unfair. I am tired of paying premiums for cover that never materialises when needed.