wayne C's updateReviewer Update
17 Nov 2020, 11:51Dear Ms. Lilian Connor,
We acknowledge receipt of your Damage claim under the above-mentioned policy.
Claim Number: ***
Claim Type: Theft
Date of Incident: 13 September 2020
Insured Device: Samsung Galaxy A2 Core
The claim has been assessed by the Insurer, namely Guardrisk Insurance Company Ltd, and we regret to advise
that the Insurer has repudiated your claim.
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 repudiate your claim is based on the terms and conditions of your
policy after applying the principles of fairness and equity.
Your claim has been repudiated by the Insurer owing to the claim falling outside the scope of cover as
provided by the Policy and has been repudiated for the following reason(s):
. The device was not safeguarded whilst charging during a social occasion and there wasn’t any forcible and
violent entry to your home.
Phone:
Fax:
Email:
Web:
+27 (0)860 109 529
+27 (0)866 786 300
***
Insured by:
Guardrisk Insurance Company Limited
An Authorised Financial Services Provider (FSP no 75)
Registration Number ***
VAT Registration Number ***
The Marc, Tower 2, 129
Rivonia Road Sandton,
2196
Administered by:
Viva Cover (Pty) Ltd
An Authorised Financial Services Provider (FSP no 42787)
Registration Number ***
VAT Registration Number ***
Quadrant 2, the Centenary Building,
30 Meridian Drive, Umhlanga, 4319
Address: Quadrant 2, the Centenary Building,
30 Meridian Drive, Umhlanga, 4319
In this instance we refer you to the insurance policy and conditions which reflect the following clause(s):
Prevention Of Loss
.The Insured shall take all reasonable steps and precautions to safeguard the device, including but not limited to
ensuring that the device is :
“safeguarded whilst charging”
-not left in a public place, place of recreation, office, mall or social occasion where it is vulnerable to damage”
Specific Exclusions
“Loss as a result of theft unless accompanied by forcible and violent entry to any premises”
Kindly note that should you be dissatisfied with the outcome of your claim, and you believe there is merit for the
claim to be reviewed, you have 90 days from date of receipt of this letter in which to make written representation
to the Insurer regarding the decision to decline this claim.
The contact details for Guardrisk Insurance Company Limited are as follows:
Website : www.guardrisk.co.za
Postal Address : PO Box 786015, Sandton 2146
Tel : ***
Email : ***
If you remain dissatisfied with the outcome of your representations made to the Insurer through our internal
complaints process, you have the right to lodge a complaint with the Ombudsman for Short Term Insurance,
whose details are as follows:
Address : One Sturdee Ave, Cnr Bolton and Baker Roads, Rosebank, First Floor, Block B
Tel : ***
Fax : ***
Email : ***
Website : www.osti.co.za
If you have any issues in relation to the insurance product sold to you, or the disclosures made or with any advice
that may have been provided, you may lodge a complaint with the FAIS Ombudsman whose contact details are as
follows:
Address : PO Box 74571, Lynwood Ridge, 0040
Tel : ***
Fax : ***
Email : ***
Phone:
Fax:
Email:
Web:
+27 (0)860 109 529
+27 (0)866 786 300
***
Insured by:
Guardrisk Insurance Company Limited
An Authorised Financial Services Provider (FSP no 75)
Registration Number ***
VAT Registration Number ***
The Marc, Tower 2, 129
Rivonia Road Sandton,
2196
Administered by:
Viva Cover (Pty) Ltd
An Authorised Financial Services Provider (FSP no 42787)
Registration Number ***
VAT Registration Number ***
Quadrant 2, the Centenary Building,
30 Meridian Drive, Umhlanga, 4319
Address: Quadrant 2, the Centenary Building,
30 Meridian Drive, Umhlanga, 4319