PLEASE NOTE:

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

 
Aghora
 
Comments: 11
Article views: 3560
 
 
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
woadstress
What do I aspire to?

A noble man compares and estimates himself by an idea which is higher than himself; and a mean man, by one lower than himself.  Read more...

2 comments 75 views
Submitted by
Manthole Morwa Kgwedi
“The transition of the taxi indus...

South Africa is one of the countries in the world where the higher percentages of the population is using public transport as the mode of movement. Read more...

4 comments 368 views
Submitted by
Tommie Cato
What tough RWC pool for the Sprin...

The Springboks have only one major concern….don’t pick up any injuries against Samoa. Read more...

5 comments 523 views
Submitted by
woadstress
Boredom

How many times have you said to yourself and to other people… “I am bored” Read more...

5 comments 315 views
Submitted by
Markrschulz
Operation INFEKTION

It always amazes me how quickly some members of our population will point the finger at the United States intelligence services as the root of all evil plaguing Africa.  Read more...

2 comments 173 views
Submitted by
Darryn David Grimsley
Grabouw N2 protests

The N2 outside Grabouw has been closed by protesters burning tyres and throwing huge rocks in the road.  Read more...

3 comments 1242 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

Pre-order your iPhone 6 at kalahari.com

Hurry and pre-order your own iPhone 6 now at SA’s favourite online store!

Bargain box – 60% off

Reduced prices, very limited stock. While stocks last. Hurry and shop now!

Mind blow low prices on electronics

Get either the Prestigio multiphone or Proline tablet 7” tablet for only R699. Offers valid while stocks last. Shop now!

30% off Barbie toys

Save 30% on all Barbie toys and accessories. Offer valid while stocks last. Shop now!

Baby extravanganza month at kalahari.com

Celebrate baby month with a wide range of awesome baby products. Offers valid while stocks last. 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.