OneAssist Consumer Solutions — Mobile claim rejected stating "willful negligence"

Address:	560102
Website:	oneassist.in

My handset Xiaomi MI5 got damaged due to accidental fall on June 1st 2016. I registered the claim on June 1(Service Request number 1417475) with oneassist as per the insructions. Within 48 hour I got a reply from OneAssist stating that the documents have been verified and confirmed to be in accordance with the insurance company requirements. After 16 days after repeated follow up I got an email stating below:

On-going through the claim file, we express our inability to entertain the claim.

Rejection Remark:
Insured had placed the gadget on the balcony of the house as such he made it more prone to the damage indicating the improper care of the gadget.

EXCLUSIONS –

“Exclusion 10 - Loss or damage caused by incorrect storage, poor maintenance, wilful negligence, incorrect installation, incorrect set. up, Improper handling, dismantling, fitting adjustment, repair alteration or modification not approved by the makers/manufacturers and / or the agents of makers/manufacturers or use of such property contrary to the directives of the makers/manufacturers and/or this agents unless the authorized Service Centre representative would confirm otherwise with due substantiation.”

This is totally unacceptable. I had to wait more than 15 days for them to say that the claim cannot be processed. How can this case be rejected stating "Wilful negligence". The policy covers accidental coverage. They were not ready to listen to my points as in how it occurred and repeatedly stated that I should have kept my phone in my pocket or something and I should not have placed my phone on my balcony. This is totally unacceptable. They are looting people advertising Accidental damage protection when they have clauses like the above wherein any damage can be said due to customers negligence.

Moreover when I asked them to return my handset they said it would take another 10 days. I currently live in Bangalore where there are enough service centres for Xiaomi. It seems like they are holding the handset for some other purpose.

Kindly don't go for any OneAssist products. It is totally a fraud company which gives fake promises and doesn't care about genuine issues.