MTN Insurance

I Submitted an Insurance claim for a device that was ****** from my Dads home, whilst we were visiting by an unknow person who gained access to the property whilst we were having lunch. MTN Insurance has taken two weeks to respond with a letter from Guardrisk stating: "Your claim is repudiated for the following reason(s) It is required that as the custodian of the device and the policy holder that you must always do what you can to prevent any loss or damage to occur. The policy does not cover and loss or theft of a device if it occurs while the device was being charged and was unattended. Unfortunately the policy does not cover any loss of a device or damage thereto, from your home or office etc. unless there is evidence of forceful or violent entry into the building. A claim can only be evaluated within the framework of the insurance policy, which is the agreement between you and the insurer. As such, the decision to decline your claim is based on the terms and conditions of your policy after applying principles of fairness and equity.