Unfair Claim Repudiation – No Proper Investigation

Unfair Claim Repudiation – No Proper Investigation I recently submitted a claim under my device insurance policy administered by Monitor SA and underwritten by Guardrisk Insurance Company Limited. To my surprise, my claim (Claim No: TFGMA***) was declined without what appears to be a proper assessment of the circumstances surrounding the loss.

The repudiation letter simply states that the device was allegedly taken from an unattended vehicle and that “no due care was taken,” yet no factual investigation or evidence was provided to support this conclusion. The letter also refers to policy cancellation without clearly explaining when this occurred or whether the policy was active at the time of the incident.

As a customer, I find it concerning that such a serious decision was made based on assumptions rather than a fair and transparent evaluation of the claim. I believe my claim deserves a proper review in line with the principles of fairness and good faith expected in the insurance industry.

I have formally requested that the insurer reconsider the decision and provide a detailed explanation of the findings that led to the repudiation.

I hope the company will engage constructively and review the matter fairly.