One Assist — rejection of claim

Address:Mumbai City, Maharashtra
Website:www.oneassist.in

I had taken an insurance policy from one assist (Ma apple total protection plan) for my iphone 6s which covers accidental physical and liquid damage to the phone.

When my phone was damaged in an accident, the claim was rejected from one assist on the basis of 'wilful negligence' (Stating the insurer failed to take precautions and safeguard their device), which does not make any sense since i got the insurance in case there was any accident. They refuse to give the criteria on which they decided that the accident was due to my negligence. I filed for my claim on 30th september 2017. The repair cost amounted to rs 25000/- but they rejected the claim and returned my damaged phone. My insurance expired on 23rd october 2017 and now i am left with a non functioning device.
I want to get my phone repaired. They never gave me a valid reason and kept apologizing instead of helping me. They clearly stated on their product that they provide insurance against accidental liquid damage but they still refuse to approve the claim.

Product id : 026691
Membership id : [protected]
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OneAssist Consumer Solutions customer support has been notified about the posted complaint.
Oct 31, 2017
Updated by Kartik Paul
they also failed to provide me with a temporary handset, for the time being they had my phone, which was part of the package i bought.
overall very poor experience and very disappointed because they are cheating their customers by advertising false claims. i want my phone repaired at any cost.
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