One Assist Mobile Insurance — Damaged phone not yet repaired and received

Address:

Mumbai Suburban, Maharashtra

I, Shivam Maniyar, had purchased a Xiaomi phone from Snapdeal in August, 2015. The phone's camera was unable to work after Oct. i.e after 2 months. I gave it for repairing in Xiaomi Customer care but it was informed by them that due to water damage camera is unable to work . I questioned them that how is it possible that only camera is unfunctionable. They gave rubbish reasons. I took up One Assist Mobile Insurance for Rs.425 and I had a trust that it will solve up my problem. But when I called up them (one assist) for pick up of my phone, they gave the reasons that we should inform them under 48 hours of the incident. But they promised that they would give us double claim. On November, 2015 my phone become so slow due to camera. I informed One assist about it, they picked up the phone from my place and concluded by saying that phone would returned in15 days . But 15days become 30 days, then I called up there about my phone's status, they were not giving satisfactory reasons . They charged depreciation on phone 30% . I was unsatisfied that how one can charge so much depreciation on the phone whose camera is unfunctionable . I healed all software problems by myself but about camera...