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.

 


6 Comments on “Phone Insurance – Rejected”

  1. Blue Witch says:

    I’ve had similar problems with inclusive insurances. I’ve found if you fight you win, but it all takes time, time, time, and it’s stressful continuously arguing with people with very small brains.

    Is it any surprise that people lie about the circumstances of claims and/or inflate claims, when this is what happens to truthful people?

  2. lyle says:

    Yeah, I’m definitely appealing it, and will take it as far as necessary.

    And totally agreed – if I’d known this was what was going to happen, I’d have said something completely different. I know that it’s the job of claims rejecters assessors to refuse payment/claims wherever possible, but that policy just makes people lie and/or inflate claims, because being honest gets it rejected.

    I loathe the finance and insurance industries.

  3. Blue Witch says:

    I loathe the finance, insurance, banking, marketing, advertising, film, fashion, media, communications, and retail (especially supermarket) industries (and probably a few more I can’t think of right now). Unfortunately they’ve got it all so sewn up that one can’t survive without them these days.

    Oh, and the governmint. Of whatever colour.

  4. lyle says:

    You missed out spammers.

    And I agree, there’s a lot to dislike/loathe. But there’s a special layer of burny fiery inferno-esque Hell reserved for dirtbag financiers. Banking, Insurance, Finance, whatever.

  5. Blue Witch says:

    I also missed out pharmaceutical companies, and doctors who are in their pocket.

  6. Jean Luc says:

    am not sure if your policy is for your mobile phone only. Therefore as an alternative, you could try to see if your covered on your home building contents insurance which may cover accidental damage


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