Ample Technologies — macbook air

Address:

Chennai, Tamil Nadu, 600044

My macbook air laptop was broken accidentally.
I had taken ample insurance during purchase of laptop. They said that all damages will be covered under insurance.

I applied insurance claim on 20th aug 2018.
After i made several followup with ample insurance customer care executive,
I got below reply on 5ht sep 2018.

Exclusion 5: loss or damage caused by gross negligence

I don't understand the purpose of insurance. They are real cheater.
Do not go with this insurance when you purchase any apple product.
Not worth for money, completely waste.