My phone fell and broke while I was on the Metro. It happened when a group of people got off the train, their loud voices startled me, and the phone slipped from my hand. My Syska Gadget Secure insurance denied my claim saying it doesn’t meet their criteria, even though I explained the whole situation. Is this fair, considering the accident was caused by an unexpected event?

Indian law does not automatically cover accidental damage to personal property caused by external factors. Insurance companies have their own terms and conditions, and Syska Gadget Secure’s denial might be justified if your situation doesn’t fall within their policy’s coverage criteria. However, you can explore their policy details and contact their customer support to understand their rationale and discuss potential exceptions.