Misleading Claims Process & Unacceptable Settlement – Naked Insurance & Hollard

<div>Title: Misleading Claims Process &amp; Unacceptable Settlement – Naked Insurance &amp; Hollard I am extremely disappointed with Naked Insurance and their underwriter Hollard. I insured a specific device, yet I am being offered a discontinued and inferior replacement, which is not equivalent to what was insured. This contradicts the policy wording and misleads the consumer about what is actually covered. The claims handling was poor and inconsistent. From Naked Insurance, I dealt with ***** and *****, and from Hollard, *****. Instead of applying the policy fairly, the settlement terms were selectively interpreted, and key information was only provided after I challenged the decision. Offering discontinued devices or store vouchers instead of a proper equivalent replacement is unacceptable and does not align with the reasonable expectations created by the policy. I have escalated this matter to the adjudicator and am awaiting a response. At this stage, the experience reflects poor customer service, misleading policy application, and bad faith settlement practices. I would strongly caution consumers to think twice before insuring high-value items with Naked Insurance and Hollard</div>