Formal Complaint Regarding Declined Claim

Formal Complaint Regarding Declined Claim for ****** Cellphone (Claim No: TFGMA***/1) I am writing to formally lodge a complaint regarding the recent denial of a claim for my son's ******/loss cellphone. The cellphone was insured under a policy provided by TFG at the time of purchase from the HI-Online store. At the time of the policy purchase, it was clearly communicated to the store representative that the phone was intended for my son. Despite this, no option was provided to note his name on the policy.

I acknowledge that my son's name was not explicitly mentioned on the policy. However, as his parent and legal guardian, I have the legal right to take out an insurance policy on his behalf, considering he is under the age of 18 and financially dependent on me. This is supported by the Insurance Act, 2017, which permits parents to act as representatives for their minor children in such matters.