Apni Law Staff asked 3 years ago
My iPhone 5S, bought from Laxmi Nagar with insurance, was stolen on December 5th. I reported it to the insurance company, but they’re refusing my claim because the SIM in the phone wasn’t in my name. This wasn’t mentioned in the terms and conditions I signed, yet they won’t even forward my claim to the insurance company, saying it will be rejected. I insured the phone, not the SIM. Why does it matter who was using the SIM? I can buy a phone for anyone, and they can use any SIM they want. They’re being unreasonable, saying there’s nothing they can do. The claim amount is Rs. 20,000. What can I do?
Best Answer
Apni Law Staff answered 3 years ago
The insurance company’s refusal to process your claim based solely on the SIM card’s name is likely unreasonable. The policy should cover the phone itself, not the SIM card usage. You can file a complaint with the Insurance Ombudsman, who can intervene and investigate the insurer’s actions. You can also consider approaching a consumer forum for redressal if the Ombudsman’s intervention doesn’t resolve the issue.
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