B
Bianca
1 reviews | Active since Apr 2024
05 Apr 2024, 10:37
Extremely disappointing claims experience
My claim got rejected from Naked because of their stupid billing system. I put a start date for home contents to start on 25 March 2024, which was pointless because I had to manually pay the premium and now I'm apparently not covered at the time of my claim. Cover is supposed to commence from midnight start date - 00:00. Not from date of first premium received.
If I could give them a 0 rating, I would
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Replies (2)0
Replies (2)
Naked Insurance's replyOfficial
05 Apr 2024, 12:27Hi Bianca,
We have looked into the matter at hand and after carefully reviewing your policy details and claim, we noted that your cover was purchased on March 25, 2024, at 07:48, which is after the time you selected for the loss you suffered which was 02:00 on the same day. This means that unfortunately, you did not have cover at the time of the incident.
According to page 46 of our Home Owner's policy, you are not covered for damage that existed before your cover started. Unfortunately, this means there is no way we can proceed with this claim. We understand that this may be disappointing. However, our policy guidelines dictate that we cannot cover incidents that occurred before the start of the insurance policy.
If you wish to dispute this decision, You will need to follow our official complaints procedure which was outlined in the No Cover letter. This process will allow for a thorough review of your concerns by our complaints team, who will provide you with further feedback and guidance.
We have looked into the matter at hand and after carefully reviewing your policy details and claim, we noted that your cover was purchased on March 25, 2024, at 07:48, which is after the time you selected for the loss you suffered which was 02:00 on the same day. This means that unfortunately, you did not have cover at the time of the incident.
According to page 46 of our Home Owner's policy, you are not covered for damage that existed before your cover started. Unfortunately, this means there is no way we can proceed with this claim. We understand that this may be disappointing. However, our policy guidelines dictate that we cannot cover incidents that occurred before the start of the insurance policy.
If you wish to dispute this decision, You will need to follow our official complaints procedure which was outlined in the No Cover letter. This process will allow for a thorough review of your concerns by our complaints team, who will provide you with further feedback and guidance.
Naked Insurance's reply05 Apr 2024, 12:27
Official
Hi Bianca,
We have looked into the matter at hand and after carefully reviewing your policy details and claim, we noted that your cover was purchased on March 25, 2024, at 07:48, which is after the time you selected for the loss you suffered which was 02:00 on the same day. This means that unfortunately, you did not have cover at the time of the incident.
According to page 46 of our Home Owner's policy, you are not covered for damage that existed before your cover started. Unfortunately, this means there is no way we can proceed with this claim. We understand that this may be disappointing. However, our policy guidelines dictate that we cannot cover incidents that occurred before the start of the insurance policy.
If you wish to dispute this decision, You will need to follow our official complaints procedure which was outlined in the No Cover letter. This process will allow for a thorough review of your concerns by our complaints team, who will provide you with further feedback and guidance.
We have looked into the matter at hand and after carefully reviewing your policy details and claim, we noted that your cover was purchased on March 25, 2024, at 07:48, which is after the time you selected for the loss you suffered which was 02:00 on the same day. This means that unfortunately, you did not have cover at the time of the incident.
According to page 46 of our Home Owner's policy, you are not covered for damage that existed before your cover started. Unfortunately, this means there is no way we can proceed with this claim. We understand that this may be disappointing. However, our policy guidelines dictate that we cannot cover incidents that occurred before the start of the insurance policy.
If you wish to dispute this decision, You will need to follow our official complaints procedure which was outlined in the No Cover letter. This process will allow for a thorough review of your concerns by our complaints team, who will provide you with further feedback and guidance.
Naked Insurance's replyOfficial
05 Apr 2024, 13:18Hi Bianca,
We have looked into the matter at hand and after carefully reviewing your policy details and claim, we noted that your cover was purchased on March 25, 2024, at 07:48, which is after the time you selected for the loss you suffered which was 02:00 on the same day. This means that unfortunately, you did not have cover at the time of the incident.
According to page 46 of our Home Owner's policy, you are not covered for damage that existed before your cover started. Unfortunately, this means there is no way we can proceed with this claim. We understand that this may be disappointing. However, our policy guidelines dictate that we cannot cover incidents that occurred before the start of the insurance policy.
If you wish to dispute this decision, You will need to follow our official complaints procedure which was outlined in the No Cover letter. This process will allow for a thorough review of your concerns by our complaints team, who will provide you with further feedback and guidance.
We have looked into the matter at hand and after carefully reviewing your policy details and claim, we noted that your cover was purchased on March 25, 2024, at 07:48, which is after the time you selected for the loss you suffered which was 02:00 on the same day. This means that unfortunately, you did not have cover at the time of the incident.
According to page 46 of our Home Owner's policy, you are not covered for damage that existed before your cover started. Unfortunately, this means there is no way we can proceed with this claim. We understand that this may be disappointing. However, our policy guidelines dictate that we cannot cover incidents that occurred before the start of the insurance policy.
If you wish to dispute this decision, You will need to follow our official complaints procedure which was outlined in the No Cover letter. This process will allow for a thorough review of your concerns by our complaints team, who will provide you with further feedback and guidance.
Naked Insurance's reply05 Apr 2024, 13:18
Official
Hi Bianca,
We have looked into the matter at hand and after carefully reviewing your policy details and claim, we noted that your cover was purchased on March 25, 2024, at 07:48, which is after the time you selected for the loss you suffered which was 02:00 on the same day. This means that unfortunately, you did not have cover at the time of the incident.
According to page 46 of our Home Owner's policy, you are not covered for damage that existed before your cover started. Unfortunately, this means there is no way we can proceed with this claim. We understand that this may be disappointing. However, our policy guidelines dictate that we cannot cover incidents that occurred before the start of the insurance policy.
If you wish to dispute this decision, You will need to follow our official complaints procedure which was outlined in the No Cover letter. This process will allow for a thorough review of your concerns by our complaints team, who will provide you with further feedback and guidance.
We have looked into the matter at hand and after carefully reviewing your policy details and claim, we noted that your cover was purchased on March 25, 2024, at 07:48, which is after the time you selected for the loss you suffered which was 02:00 on the same day. This means that unfortunately, you did not have cover at the time of the incident.
According to page 46 of our Home Owner's policy, you are not covered for damage that existed before your cover started. Unfortunately, this means there is no way we can proceed with this claim. We understand that this may be disappointing. However, our policy guidelines dictate that we cannot cover incidents that occurred before the start of the insurance policy.
If you wish to dispute this decision, You will need to follow our official complaints procedure which was outlined in the No Cover letter. This process will allow for a thorough review of your concerns by our complaints team, who will provide you with further feedback and guidance.