Hi,
Are you planing to Buy an Insurance for your smart phone? Obviously every want to secure his phone from accidental damage, theft or any thing misshapen to his device. Why not? You have invested a huge amount on this and you need some thing to protect your device. I also prefer to insured my smartphone but got cheated. There are numbers of company offer this services. You may choose any one of them But Never go for GIZMOHELP.
But Why? Let me share my experience with you.
On last 14th Feb’16 I bought a Samsung Smart phone from Jumbo Electronics Pacific Mall, Subhash Nagar Delhi.The sales person offer me to by an Insurance for this mobile and I was convinced thinking that this is better to secure the device for any happening caused in future. During purchased I was told that it will cover for any accidental damage or lost. What I have to do is that just need to call up to help line and intimate the case within 48 hrs.
I was happily using the phone and for safety purposes I purchased back cover and screen protector. After all who want to harm his device and and chase with Service center for its repairing. Every thing was going well but on Aug during independence day my mobile got damaged while traveling metro. There was heavy rush on that day and on the someone push me from back and I lost may balance and mobile slipped from hand braked the display. Touch was saved as it was covered by screen protector.
As instructed next day I called to helpline and intimate about the damaged. The guy who was on call took about 20 minute to note my complaint. During conversation he took every details about the incident. How the the device was carried? Who was using the phone during the incident? Was it kept on purse or caring on hand. After listening everything he raised a claim request and advised to upload some documents to their portal. As instructed I did everything and got an confirmation that I can visit to authorized service center and submit the device for cashless service.
It was a busy schedule and not able to manage for submitting the device to service center but however I did that after couple of days. I submit the phone with all required docs to SAMSUNG care allocated by them .
After submitting the phone to service center I was assured that my phone will be repaired soon. But it was shocking when I got a mail from GIZMOHELP that my claim was rejected and Insurer will not pay any amount for this repair. I called up immediately to help line to understand why it was rejected and come to know that it got rejected due negligence in use.
This was not the end my friend. I mailed to helpline as I was not convinced with the explanation given by the agent given I talked approx 20 minute. Now I got another interesting information that they are not the exact insurer. The insurance company is New India Insurance Company ltd who is tied up with Gizmohelp. As expected I got same reply on email but now they mentioned another excuse that intimation was given beyond 48 hrs of incidence hence they are not liable to pay for it. Again I replied that the incident was intimated within 48 hrs only and now they shared some another excuses that Device was damaged due to incorrect storage, poor care and gross negligence. Phone slipping from hand is not an accident and this is careless and negligence only.
Can any one explain me the meaning of accident? Does accident means of breaking legs, arms, skulls or any other injury happened to a person? Is it required to hospitalized a person to probe the accident?
What I learnt from this incident is never buy anything from GIZMO or New India Assurance company. They can just assure you for troubles not for any support.
Was is not possible to inform me during intimation given to helpline or before allocating the service center. What I earned from from this is A LESSON. I waste around Rs 500 for this claim by calling to helpline and rushing to service center and cyber cafe.
Apart from all this expenses the Insurance was sold above MRP written on the box.
I have already posted this thing to Facebook and whats app, same link has been shared to twitter as well. I have also write this to many blog. And planing to go legal as well. You might not taking it this seriously but I will keep posting. I have about ten thousand email contacts who are active on internet to copy this mail if not received a suitable response.
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Thanks & Regards,
Sumi