[Resolved]  OneAssist Consumer Solutions — rejection of claim as the reason of damage was similar

I had bought this insurance for my iPhone 7 in may 2017. The first year of insurance of my phone id paid 5500 for the insurance, and made no claims( as there were no damages). The 2nd year I paid 3500 approx to extend my insurance. In September 2018, my phone fell from my hand when i was walking home from the gym as someone pushed me by mistake from the back and the screen crashed. They accepted my claim, and sorted my phone out also charged a processing fee of 2800. After 6 months, in the same spot outside my house this same incident happened. ( Ther road outside my house is a bit crowded sometimes) but when I tried to claim insurance they rejected it saying the cause of damage can not be the same for them to accept the claim. I want to understand that something as basic as walking on the street being pushed by someone/ someone brushing against you while walking can surely happen twice in a span of 6 months in a city as crowded as Kolkata. Does this company expect me to make up a reason instead of being honest. Also I would like to note that the reasons given both the times were not word to word copy pasted ( I wasn’t even aware of the last claim cause written, the company’s agent read out to me) this is so outrageous, I’ve paid a sum of 12000 to the insurance agent in a span of 1.8 years, with no claim in the first year and only one in the 2nd year. How can they question my genuinety. I would definitely like to point out that I will never ever buy one assist insurance after this episode, and infact the mental harassment caused because of this is inhuman. It’s not that I cannot afford another phone, or that I have demanded a phone replacement. But the reason one buys this insurance is to make life easier, and that in the back of one’s mind one feels secured. But this has left a bad taste. This company expects one to lie. I cannot help it if my phone fell from my hand while walk from my gym back home twice. And when I was buying this insurance they painted such a lovely picture saying hassle free claims, and never pointed this out. Nowhere in the terms and conditions also this is written that the cause of damage can not be the same.
I would request you to take this case forward, and make sure the future customers don’t face such issues.