[Resolved] Universal Insurance Brokers Services — Iphone 6s, 16gb

Avi Chhabra

from Jaipur, Rajasthan

Address:	122009
Website:	iphoneinsurance.euniversal.co.in

My iphone6s is under the insurance policy, i already send all the related documents in mumbai branch for claim procedure but after so many conversation and after one month, i received this mail : we regret to inform you that the insurance company cannot pay compensation in this case due to the following reason :

1) loss reported is caused due to incorrect storage, poor care & maintenance, careless use, incorrect installation, incorrect set – up and neglect which falls outside the scope of policy.
You have mentioned in the claim documents that you had gone for dinner and phone was on the table and by mistake one of the waiter threw water over your phone. It falls outside the scope of policy, as it shows poor care and maintenance.

2) date of purchase of insured equipment varied i. E. Either prior/post, date of insurance, hence breach of policy warranty.

Hence, the claim is not admissible

This is such a unprofessional company, i am facing this problem almost one and half months ago, and they guys are not supporting,

Please suggest what should i take next step for this, should i go consumer court against this fraud policy.

My contact number is [protected]

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May 17, 2017

Complaint marked as Resolved

Universal Insurance Brokers Services customer support has been notified about the posted complaint.

Verified Support

Dec 15, 2016

Universal Insurance Brokers Services Customer Care's response Dear Customer,

With reference to your above complaint, we have received your intimation of loss on 5 Nov.

-We received documents on 16 Nov and the pending details on 22 Nov.

-On 24 Nov the Insurance Company decision was shared with you.

The reason of rejection was also shared with you,

1) Loss reported is caused due to incorrect storage, poor care & maintenance, careless use, incorrect installation, incorrect set – up and neglect which falls outside the scope of policy.
You have mentioned in the claim documents that you had gone for dinner and phone was on the table and by mistake one of the waiter threw water over your phone .It falls outside the scope of policy, as it shows poor care and maintenance . (ref. Section 3 Exclusions point 9)

2) Date of purchase of insured equipment varied i.e. either prior/post, date of insurance, hence breach of policy warranty.

For any further clarification kindly contact us on[protected] or visit our http://iphoneinsurance.euniversal.co.in/ for policy reference. or write us on [protected]@universalinsurance.co.in

Thank you,
Support Team
Universal Insurance Brokers Service