Morning, Surprised, not. Because there is always someone who has bad dealings with insurance companies. They do not build massive towers or own a fair chunk of CBD's just by luck.
Just my Twenty Cents. Challenge decision, construct letter referencing reasoning, and quantify semantics of decision. If no luck or been down this path try http://www.legalaid.wa.gov.au for advice. Also if they do not honour policy, you are entitled to total reimbursement of policy. I do not waste money on insuring mobile items, electrical or other. These are covered quite well under a Comprehensive Content policy; mine has this name "Accidental Household Content insurance policy." In over 10 years with company have had many similar situations replaced without issue, many phones, a laptop or two. One for Accidental damage when travelling in Melbourne. Bicycles, prescription sunglasses, even money that we could prove was in wife's bag at time of incident. Just excess of $150, which can be waived for higher fee of policy. Obviously this does change if lots of claims are filed against policy, as is reception from company. Mobile phone insurance policies are not worth the paper written on, why do you think companies do the hard sell, "a FEE and a big one." See first line, again. Receipts are a necessity, as is honesty in dealing with claims officers. (Tip, scan and store electronically as receipts/invoices fade. I store on same DVD that household audit is stored. Yes I take photo's of items and have this DVD in many places around country.) One thing to remember replacement value as there are limits on items, and if your item exceeds this it needs to be identified as such. Then mentioned on policy seperately obviously paying for privilege or they will only pay to limit of items. A little due diligence when taking out policy and confronting with items costs as obviously there should be some form of Audit of household goods, everything that is not attached to main structure of house. Mention everything as it is your policy and supposed piece of mind. Also if culprit is caught, your excess is refunded as insurance company can now chase someone else for it. Although this is rare as most petty crime is seldom solved. Cheers! `RobD... On 12Mar2012, at 8:05 am, Peter Hinchliffe wrote: > > On 10/03/2012, at 12:57 PM, Roger Kortas wrote: > >> Well so far. >> >> I have phoned Apple >> Phoned Optus >> Driven to the Wembley Police station and found its closed and only open >> Monday to Friday >> Phoned the police and was told please take it to a police station! >> >> So see what I mean thats a few hours already for being honest and still have >> to try and find time to get to an open police station >> >> If it was mine it would be insured and also have my contact number on the >> login screen. >> >> Roger > > > Don't waste your money on insurance if you think it will protect you against > theft. My daughter's iPhone 4s was stolen along with her handbag at a public > swimming pool a few weeks ago. She had taken the precaution of "insuring" it, > but upon making a claim she was told she was not covered because (and I > quote) "she was not in control of the phone at the time it was stolen". > Apparently this was somewhere buried deep within the fine print… > > Peter Hinchliffe Apwin Computer Services > FileMaker Pro Solutions Developer > Perth, Western Australia > Phone (618) 9332 6482 Mob 0403 046 948 > -------------------------------------------------------------------- > Mac because I prefer it -- Windows because I have to. > > -- The WA Macintosh User Group Mailing List -- > Archives - <http://www.wamug.org.au/mailinglist/archives.shtml> > Guidelines - <http://www.wamug.org.au/mailinglist/guidelines.shtml> > Settings & Unsubscribe - > <http://lists.wamug.org.au/listinfo/wamug.org.au-wamug> -- The WA Macintosh User Group Mailing List -- Archives - <http://www.wamug.org.au/mailinglist/archives.shtml> Guidelines - <http://www.wamug.org.au/mailinglist/guidelines.shtml> Settings & Unsubscribe - <http://lists.wamug.org.au/listinfo/wamug.org.au-wamug>
