Gizmo Help — Mobile insurance

Dear All,
This is to inform you that there is a mobile insurance company by the name of GIZMO SECURE ULTIMATE, who have a tie up with Croma Electronics. When you buy any mobile they pitch you to get your mobile insured and make all the promises. But when it comes to actually a claim they give you the simplest reason not to pay any claim.
I, Pooja Rajpal, bought an Iphone 6 from Croma, Lower Parel, Mumbai and the insurance as suggested by GIZMO SECURE ULTIMATE on 31.05.2015 Insurance Id No 230088, Serial No [protected], Invoice No SLF02A[protected].
Now on 31st March 2016, my husband and me were going on the bike at around 1.00pm (honestly I really don’t remember the time but it was post lunch)and there were these 2 men who came on the other bike to my left side and pulled the phone from my hand, it so happened that the phone fell on the road in water so I was firstly in trauma that what had happened until I realised that my phone had switched off and not switching on at all, so then rushed to the nearest apple iphone service centre. They told me to leave the phone as it was not getting switched on at all, they mailed me on the 1st April 2016 that the phone was detected by Liquid so now there was no warranty and I would have to replace the phone and also had to pay approx. Rs 25000/-, to my badluck since my phone was not working I could not check my mails either so they happened to call me on the 2nd April 2016 to inform that I haven’t reverted to the mail, now I was in a total shock as I had not even recovered from the unusual incident of phone snatching that had happened for the first time in my life, didn’t know this was coming up next as I already bought the phone of approx. 50, 000/- not even a year back and now was asked to pay another 25, 000/-, then I recollected that I had insured the phone to I spoke to Mr Mohsin (who sold the policy) from GIZMO SECURE ULTIMATE, who guided me to report the incident immediately to the call centre of GIZMO SECURE ULTIMATE, so I called them and registered my claim over the phone, went to the cyber café with all the various documents, spent money on scanning and stuff, uploaded the same on their sites (which was not working and had a huge trouble doing that as had to call the call centre number of times just to upload the documents)anyways.
Where they told me as the company policy they would get back to me within 24 hours, so I waiting but now already 28 hours had passed so I again called them to find out as to what was going on, so they apologised for being 4 hours late and I immediately was ok with that, they again told me that now they need a letter from me since I was 3 hours late to report my claim as according to them I had to report my claim within 48 hours and I was LATE BY 3 HOURS, so they wanted to know the reason, so now again I wrote this detailed letter with my signature, went to the cyber café and scanned it and mailed them as now their website was not working at all( so had to go through the same trouble). Now I thought I had done my best and had to wait for 15-21 working days as per their policy (where in my business was suffering completely).

Finally I get a mail from them that my claim is REJECTED as I was 3 hours late as per their policy in reporting the incident (but I was not informed anything while taking the policy). Now things like should I have lied and make sure that the claim comes between 48 hours or should I have manipulated somewhere as they do not respect honest customers such thoughts kept running my mind.
Anyways I was guided by Mr Mohsin from GIZMO SECURE ULTIMATE to contact Mr Ronak (mob no [protected]) from GIZMO SECURE ULTIMATE his senior who could help me, so I again had some hope now, I called him and followed up for days, then he told me to contact his senior who was Mr Ganesh (mob no [protected]) from GIZMO SECURE ULTIMATE, who kept saying that they have a tie up with THE NEW INDIA INSURANCE and they could only request them to reconsider the claim. Today its 02nd May 2016 already and they say that they cannot process the claim as I was 3 hours late to register the same with GIZMO SECURE ULTIMATE.
My business has suffered drastically as I did not have my phone, I could not revert to all the important mails, lost all my client contacts and finally this is what I get.
I just want to urge to general public not to buy GIZMO SECURE ULTIMATE AS THEY ARE JUST LOOTING PEOPLE IN THE NAME OF MOBILE INSURANCE.
Whatever that I have suffered emotionally, physically I do not want anybody to do so.

Regards,
Pooja Rajpal

Worst Experience. They will only take money and at the time of Claim they will make fake excuses for not paying money. I brought phone and insurance in march 2016 from Jumbo Electronics, V3S Mall, Laxmi Nagar, Delhi. I lost my mobile when I had an accident on 9th Jan.'2017. On the same day, I informed at store from where I brought phone and insurance. One representative present at store took my details and copy of invoice and told me that insurance person will give you call but even after 1 week I didn't received any call. When I visited store again, insurance person was not available. Store person provided me number of lady whom I met in last visit. but she said I already left job so please contact customer care. When I contacted customer care, Mr. Gaurav Khanna said we can't process your claim as information was provided late.

As I already informed at store within few hours of loss, but information was not passed further and representative didn't informed me of process so that is the biggest loophole of Gizmo Secure so why should customer suffer because of their mistake.

Gizmo is just cheating !!! First time i made a claim, they rejected it because the claim was not registered within 48 hours (which was not told to us while buying the same) . Second time, when i made the claim, they want the repair bill of the first rejected claims although the claim is of different nature. It is beyond the imagination of anyone to save such bill. It seems that it is their policy to collect such bills in original without which they will not register the subsequent claim. The executive who spoke over phone concluded the call that there was no response from my side and cut the call, when i asked him to transfer to call to their higher ups