TFG & Monitor Administrators **********

@TFGZA & @monitor_ad the best **** combo. Warning if you do not have any cell phone insurance cover with them, stay away and look elsewhere instead. I covered two of my devices that I had bought from Hi Store and Total Sport (@TFGZA). Fortunately, I lost one of them and filed a claim for the device. It took over 48 hours for @monitor_ad to just process the claim and later concluded that the claim was unsuccessful. This outcome I am told was informed by “not taking due care of the device” (this is nice way of blaming you for negligence), by Chris (consultant @monitor_ad) and later reiterated by Venell (claims & risk assessment supervisor @monitor_ad). Yes, the device was not on me physically (pocket or hand) but I was in close proximity to the device. This means that even if you lose your device in your household whilst you left it charging in the company of family and friends (“due care taken” I mean we trust our family and friends), you are not going to be compensated should it get lost, damaged, ******. They referred me to their T’s & C’s, and this shocked me as I have never seen, heard or provided with them prior or after taking the cover and informed them that fact. The only documents I received were from the shop after taking the cover and the reads: “The device is covered only while in the possession of the device user (YOU or someone else): The device will not be covered if someone other than the device user indicated below has the device at the time it is lost, damaged or ******. If YOU do not complete the details of the user below, we will assume that YOU will be the device user”. This is the T’s and C’s I ever received, but upon claiming they will have scrolls to refer you. Charlene (TFGinsure–Team Leader – Insurance Claims) sent me dates that they supposedly sent me the policy changes or updates, however, after going through mail inbox I still could not get them. Funny enough on some of these dates, its account statement that appear and nothing at all that relates to cover documents. No one (not Charlene or Venelli) has assumed accountability or acknowledge the mere fact that I have never seen, heard or received these conditions. It is as if I was expected to lie, when filing this claim and make-up a story. Oh, also my policy was cancelled, and I am still not sure which of the two. This was my first claim by the way. They could not answer when asked “What is it that the **** actually cover?” Now I must still send a dispute letter for the claim to be reviewed. You have been warned, take this **** at your own discretion. It’s a nightmare once you in!