Phone Insurance – Rejected
So, following on from yesterday’s post about the idiots at Homecare Insurance (part of CPP Insurance) it now turns out they’ve rejected my claim, because I “didn’t take reasonable precautions”.
Now, the phone is (supposedly) covered against accidental damage. But that apparently doesn’t include accidents. Of course, with insurance, the devil is in the details.
The actual circumstances of the phone’s demise are that I left it on the cistern of the toilet while I had a shower. While in the shower, I assume I received a call or a message and vibrated, because the poxy thing was in the toilet when I got out of the shower. And since then, it’s been knackered, for obvious reasons.
So apparently, I didn’t take enough care of the phone. Sure, I could have been in the bathroom, then left, put the phone somewhere else, and gone back in. I could have put the phone somewhere else in the bathroom – a windowsill, or whatever. But the fact is, I didn’t, I didn’t even think past “It’ll be fine on a flat surface”. Which it has been in the past. I didn’t think it’d fall in, because it was on a flat safe surface, not even close to the edge.
And this all means I didn’t (currently) take reasonable precautions. I freely admit to being an idiot, but the process wasn’t a careless or slapdash one – just a stupid one.
It’s being appealed, and the entire process is now also a full formal complaint.
But short story? If you’re insured with Homecare or CPP, don’t expect accidental damage to be covered, even when they say it is.