I've just got a letter thru from my mobile phone insurers saying they won't pay out on my claim for my mobile phone because i din't take "reasonable steps to minimise the Underwriters liabilty"
I'd just finished making a call with it last monday and just put it down on the table next to my arm dammit! Now i will have to buy my friends phone off of him.
Shit happens. The company sound like a bunch of twats though
Jul-30-2003 11:00
Me²
Supreme tranceaddict
Registered: Jan 2003
Location: Manchester
That's why you always lie and tell them a story which shows you couldn't of prevented it happening, and that goes for all types of insurers, they're bastards and will do anything to repudiate any claim.
Wankers.
___________________
Please rush me my portable walrus polishing kit.
Four super brushes that will clean even the trickiest of seabound mammals.
Yes, I am over eighteen, though my IQ isn't.
Jul-30-2003 20:54
dj_mdma
I'm on HarderFaster now.
Registered: Dec 2001
Location: Posh Twickenham
ok i now have a little problem
As u know my phone was nicked and the insurance company wouldn't give me a new phone.
I have found out through the bill i got today that the people who nicked my phone made £200 worth of calls on my number.
In my policy, i am insured against calls used on my number when stolen. However, i have no idea how they managed to do this since i called up T mobile which blocked my Sim AND phone!
Therefore, although i was unable to minimalise the insurance underwriters losses due to my phone being stolen, i DID inform T-mobile to cancel my sim, from a police station phone. I believe that this was a reasonable step to minimise their losses, and thus i shouldn't have to pay the £200+ pounds of calls. Is this possibly T-monile's fault?
I would think that the claim layout of the insurance company would follow certain paths. For example, if u had unknowingly lost my phone and calls were made on it, i would still be eligable for a claim as i was unaware of the loss til x:xx time.
If they do not pay out do u think i have reasonable cause to take this dispute to the finacial ombudsman??!?
i think i will be fine and T-Mobile will have to pay
I've now seen the bill and these calls were somehow made after the SIM was cancelled. I know T-Mobile record all calls regarden thefts and what not so i don't think i'm liable. I also have proof of when i made the cancellation call in a police station
Originally posted by dj_mdma
i think i will be fine and T-Mobile will have to pay
I've now seen the bill and these calls were somehow made after the SIM was cancelled. I know T-Mobile record all calls regarden thefts and what not so i don't think i'm liable. I also have proof of when i made the cancellation call in a police station
the stress is nearly over!
if you rang from a police station you will have a witness in the form of a police officer most likley.
itimized bill shows calls made after you reported the sim stolen and requested it be blocked
as you said calls recorded at t mobile to
t-mobile are liable for the calls, and if they even think of charging you for them take them to court as they aint got a leg to stand on.
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Aug-14-2003 23:21
dj_mdma
I'm on HarderFaster now.
Registered: Dec 2001
Location: Posh Twickenham
mmmm compensation money from T-Mobile
watch it hit the papers
"Budding young cosmetic surgeons wins £200,000 from evil Multi-national phone conglomerate"
Lam Duong won money cos he is a lazy **** and just said he was traumatised in court. He is now even lazier as he cruises around Twickenham with a Bentley playing 150dB trance all day long
goddamn insurers!
