Claim Rejection - Cellphone Claim - Huawei P20 Pro

Outsurance went through all the lengths to reject my claim for my P20 Pro phone that was ******. From harassing my fiance, calling my friends taking time out of their busy schedules and downright making me run around for a week (thanks Fuzzy Petersen), spending unnecessary money, to eventually reject my claim. My phone was ****** with a value of R15500. I was rejected and refunded my premiums so they could not replace my P20 Pro. Time and time again, I was refusing the rejection based on an ambiguous question they asked on the sales call. The ombuds was pretty much not useful as well simply doing a CTRL+C, CTRL+V of Outsurance's rejection response. Their response was that they were prejudiced by non disclosure and material misrepresentation. They did not mention to me what thresholds applies to this materially and could not provide/substantiate any further details on this. This was very disappointing as it seems they just gunned for rejection from the initial phase of the claim.

The experience was appalling despite my appeals. I am left paying for a phone I no longer possess. I will never recommend anyone to Outsurance.