PLEASE NOTE:

MyNews24 is a user-generated section of News24.com. The stories here come from users.

 
Aghora
 
Comments: 11
Article views: 3595
 
 
Latest Badges:

 
View all Aghora's badges.
 

Bewildering Smartphone Insurance Claim with FNB

24 April 2013, 10:57
Insurance complaints are probably a dime a dozen, and this story is no exception. What is amazing is the amount of personal effort I needed to go through to get my claim through and work done. This is a cautionary tale for others so they may actually get their claims through.  

I have a smart phone which I purchased and insured via FNB. To cut a long story short, the phone was dropped and the glass cracked. Since it was a minor crack I held off on claiming - until the phone speaker packed up. Unable to hear in-coming calls I phone FNB to determine whether I was covered - as I had never received an insurance schedule from them.

To my great surprise, the FNB consultant told me that actually I was covered for accidental damage screen damageand therefore I could lodge a claim. I did, and they sent the courier round to get the phone.

Knowing how customer service works (or doesn't) in this country I decided to follow up each step of the way to make sure things actually got done. Once again to cut a long story short.... when the phone got to the service company, they checked it and quoted for repairs (FNB never told me, I discovered for myself what the quoted cost was); I phoned FNB to ask if they could go ahead and approve the repair, at this stage they told me that actually they had underwriters who did that... so I followed up with their underwriters (CIB)... who told me ... SORRY, YOU ARE NOT COVERED FOR THAT... this is of course after I had been told the opposite BEFORE lodging my claim...

I was angry as I never would have instituted the claim if I was told that before. After many phone calls and following up the chain of command - requesting transcripts of recorded calls etc - it emerged that actually I was insured for the damage under my original contract, however, CIB had taken over the insurance from FNB and was now rewriting the contract UNILATERALLY!

They had not informed anyone of the changes yet, had not sent out new schedules and wording, but were already applying the changes to anyone that phoned in. Regardless of whether you were insured by FNB BEFORE they took over or not!

Surely this amounts to fraud in the worst case, and to mis-information in the least. If I had not followed up I would not have discovered any of this. Never mind the fact that I had to massage the phone through the entire process, had to deal with 3 companies and numerous individuals every step of the way to get this done.

So beware, if they tell you you are not covered, check when they changed the schedule - apparently it's from the end of march. If you were insured before then, demand justice.


Disclaimer: All articles and letters published on MyNews24 have been independently written by members of News24's community. The views of users published on News24 are therefore their own and do not necessarily represent the views of News24. News24 editors also reserve the right to edit or delete any and all comments received.
 

Read News24’s Comments Policy

24.com publishes all comments posted on articles provided that they adhere to our Comments Policy. Should you wish to report a comment for editorial review, please do so by clicking the 'Report Comment' button to the right of each comment.

Comment on this story
11 comments
Add your comment
Comment 0 characters remaining

Read more from our Users

Submitted by
Jotta Malvern Booysen
Open letter to Premier Helen Zill...

After kidney failure people need a new kidney or dialysis to live. If you do not get dialysis, toxins will build up in your blood and water will fill your lungs and you will die. Read more...

14 comments 915 views
Submitted by
Natalie Paulse Fourie
Justice in this country is not re...

I have recently be made aware of an acquaintance who has been given over a year in prison for Drunk driving. There was no accident and no one was hurt. Read more...

3 comments 468 views
Submitted by
Freddie Jones
What am I missing?

The legal acrobatics that are currently happening because SABC chairwoman Ellen Tshabalala has been asked to produce evidence that she hold the qualifications that she claimed to hold are quite mystifying. Read more...

0 comments 226 views
Step into their shoes

Many times in life there are things which because of us being used to, we end up thinking they are just meant to be there or to be part of our life.  Read more...

2 comments 281 views
Submitted by
StormyWeather
Fireworks and Animals

Our little suburb in Johannesburg, that has a FB page with 987 members, has already posted more than 6 cases of lost/found doggies due to fireworks. Read more...

17 comments 681 views
Submitted by
Thomas Freeman
What can wash away my sins?

The notion of God is as old as humanity and when you have a God, as world history tells us, he needs to be appeased and pacified by constant ritual sacrifice.  Read more...

133 comments 1341 views

Jobs in Cape Town [change area]

Property [change area]

Travel - Look, Book, Go!

Magical Massinga

Spend 5 nights at the gorgeous Massinga Beach Lodge in Mozambique and only pay for 4 from R13 220 per person sharing. Includes return flights, accommodation, transfers and romantic turndown. Book now!

Kalahari.com - shop online today

One day only! – 40% off Appliances!

Get 40% off 100’s of appliances at kalahari.com. While stocks last. Shop now!

Seen something you like in our catalogue?

Find the perfect gift and save up to R5000 – As seen on the catalogue. Hurry and shop now!

Save up to R1000 on Hisense smartphones!

View the large range of Hisense smartphones. Buy today and save up to R1000!

Toys 4 for the price of 3

Buy 4 toys and get the cheapest FREE! Offer valid while stocks last. Shop now!

Mind blowing prices – As seen on TV

Get mind blowing prices on 1000’s of products! Shop now.

OLX Free Classifieds [change area]

Samsung Galaxy s4

Mobile, Cell Phones in South Africa, Western Cape, Cape Town. Date October 24

Best bargain in big bay

Real Estate, Houses - Apartments for Sale in South Africa, Western Cape, Cape Town. Date October 25

VW Golf 6, 1.6 Trendline (Excellent condition)

Vehicles, Cars in South Africa, Western Cape, Cape Town. Date October 25

 

services

E-mail Alerts The latest headlines in your inbox

RSS feeds News delivered really simply.

Mobile News24 on your mobile or PDA

E-mail Newsletters You choose what you want

News24 on your iPhone Get News24 headlines on your iPhone.

SMS Alerts Get breaking news stories via SMS.

Blogs Your opinion on you, me and everyone.

Calais Website keywords automated by OpenCalais.

 
Interactive Advertising Bureau
 
© 2014 24.com. All rights reserved.
There are new stories on the homepage. Click here to see them.
 
English
Afrikaans
isiZulu

Hello 

Create Profile

Creating your profile will enable you to submit photos and stories to get published on News24.


Please provide a username for your profile page:

This username must be unique, cannot be edited and will be used in the URL to your profile page across the entire 24.com network.

Settings

Location Settings

News24 allows you to edit the display of certain components based on a location. If you wish to personalise the page based on your preferences, please select a location for each component and click "Submit" in order for the changes to take affect.








Facebook Sign-In

Hi News addict,

Join the News24 Community to be involved in breaking the news.

Log in with Facebook to comment and personalise news, weather and listings.