[Resolved]  Universal Insurance Brokers Services — Iphone 6s, 16gb

Address: 122009

Website: iphoneinsurance.euniversal.co.in

My iphone6s is under the insurance policy, i already send all the related documents in mumbai branch for claim procedure but after so many conversation and after one month, i received this mail : we regret to inform you that the insurance company cannot pay compensation in this case due to the following reason :

1) loss reported is caused due to incorrect storage, poor care & maintenance, careless use, incorrect installation, incorrect set – up and neglect which falls outside the scope of policy.
You have mentioned in the claim documents that you had gone for dinner and phone was on the table and by mistake one of the waiter threw water over your phone. It falls outside the scope of policy, as it shows poor care and maintenance.

2) date of purchase of insured equipment varied i. E. Either prior/post, date of insurance, hence breach of policy warranty.


Hence, the claim is not admissible

This is such a unprofessional company, i am facing this problem almost one and half months ago, and they guys are not supporting,

Please suggest what should i take next step for this, should i go consumer court against this fraud policy.

My contact number is [protected]