[Resolved] Apps You Need — I am complaining about my insurance against my phone

Mehak Khandelwal

from Chandigarh, Chandigarh

Address:	New Delhi, Delhi, 110009
Website:	My claim is rejected for no reason, I need my phone to be repaired or exchanged under the claim

Hi
I have filled an accidental claim against my iphone7 purchased on 19th december 2016 from invent store pitampura. The phone bill and the claim was on the name mehak khandelwal though the phone was being used by my brother tanishq khandelwal. He met with an accident which lead to breaking of the screen. He filed for the cliam & it was rejected on the grounds that he was not the owner of the phone. The other day they gave the reason that it can be claimed only by blood relations. My real brother is obviously is in my blood relation but now they are saying that they only include mother & father. When asked to give this in writing they refused. This insurance company is just fooling the people. They just need a reason to reject the claim nothing else. I even went to invent store to question them regarding their tie ups with such insurance companies then they said we have now stopped dealing with the insurance companies as they create lot of issues.
I purchased the phone for 60, 000 and then spent 3500 for insurance which is of waste for me now. Such companies are just fooling the people nothing else.
I want some actions to be taken against such companies so that people are not fooled. N i want my phone to be repaired or exchanged as soon as possible as i have already wasted lot of my time on this.
Regards
Mehak khandelwal
[protected]
[protected]@yahoo.com

+3 photos

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Sep 2, 2017

Complaint marked as Resolved

Apps You Need customer support has been notified about the posted complaint.

Verified Support

Aug 02, 2017

Apps You Need Customer Care's response Dear Claimant,

Your claim is repudiated due to beneficiary clause, Kindly read attached photo.

Thanks & Regards
AppsYouNeed

Aug 03, 2017

Updated by Mehak Khandelwal Sir
First of all nobody updated me about the beneficiary clause at the time of taking the insurance. Secondly, if we apply for any life insurance policy then the entire family is covered. The phone was bought by me as my brother was minor that time and I gave him the same as a gift. My brother is of my blood relation only and he falls under the category of my near family only. So if parents or children are covered then I think brothers & sisters should also be covered in the same.
Please prove on what grounds you are saying near family does not include real brother. Please read the Gadget insurance policy that have been extracted from www.avsomfed.org/asdocs/asgis15/gadget-policy.pdf.
This clearly states that Family includes mother, father, son, daughter, brother & sister.
You cannot just mold the policy as per your own comfort. I am filing the legal suit against this as your explaination is making no sense for me.

Aug 21, 2017

Updated by Mehak Khandelwal Nobody has reverted on my complaint which means that the company has no answer to the point I raised. Apps U Need is just fooling people n will suggest all not to take this insurance policy in any circumstance.