Discovery Insure & Load Shedding

Assasin_Zer0

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Firstly, Not even sure if this is in the right place, So apologies if I'm in wrong here,

So after our last round of load shedding my pc stopped working, So I logged a claim with Discovery and so my nightmare began.
I phoned Discovery today for an update and was told my claim had been rejected because my pc is 10 years old (Keep reading) so it's due to wear and tear.
After a struggle, I managed to get hold of the company that did the assessment,

Now keep in mind, I was still working on it just before load-shedding.

my mail to the assessors (After finding out why it was rejected )
View attachment 1193108

So the reply from the assessors
View attachment 1193086

Now Those are two old drives i just use to keep data on .
My os is installed on a SSD my most used data is stored on a NVME (HP EX900 M.2)
So the machine was purchased in 06/2017 and i added on a GTX1080TI Gaming X.

So how in F... can it be 10 years old and how can it have failed due to Wear and Tear ?
Im not a massive gamer , the machine is on for maybe 5 - 6 hours every other day ,

For the rest of the assessment

""
Then as far as the damages are concerned, the power supply and protection circuit is ok, there is sufficient output.



On the primary side ( where the power supply receives or draws in the power, there is components such as MOv’s, EMI filters etc which when exposed blow and act as sacrificial devices- no power is going past these components when they blow. This is when you are exposed to some electrical overstress- like a surge or lightning.



The rest of the device has power but we see the graphics card and motherboard are faulty. The reliable lifespan of most desktop PC’s are around 5 years, lets say this device is 4 years old ( the youngest it can be), then it is at or very near to end of life, depending on hours of use etc.



WE found no further signs of any electrical overstress as and when one is experienced a surge etc. WE only found some signs of discolouration and heat on the graphics card, these are known to run hot.



PCs fail as a result of wear and tear (mostly) because they have very good protection circuits and power supplies. We found no reason to state that the PC failed due to any electrical overstress, as soon as the motherboard and graphics receive power ( DC 12V, 5V) we know the power supply is ok and is converting the AC (230V) to DC.

""

Am i overthinking this or being unreasonable if I think something doesn't sit right here?
So in a nutshell, If your Power supply isn't blown, and there is no scorch marks on your floors or walls, you won't be able to submit a claim
 
Last edited:
Firstly, Not even sure if this is in the right place, So apologies if I'm in wrong here,

So after our last round of load shedding my pc stopped working, So I logged a claim with Discovery and so my nightmare began.
I phoned Discovery today for an update and was told my claim had been rejected because my pc is 10 years old (Keep reading) so it's due to wear and tear.
After a struggle, I managed to get hold of the company that did the assessment,

Now keep in mind, I was still working on it just before load-shedding.

my mail to the assessors (After finding out why it was rejected )
View attachment 1193108

So the reply from the assessors
View attachment 1193086

Now Those are two old drives i just use to keep data on .
My os is installed on a SSD my most used data is stored on a NVME (HP EX900 M.2)
So the machine was purchased in 06/2017 and i added on a GTX1080TI Gaming X.

So how in F... can it be 10 years old and how can it have failed due to Wear and Tear ?
Im not a massive gamer , the machine is on for maybe 5 - 6 hours every other day ,

For the rest of the assessment

""
Then as far as the damages are concerned, the power supply and protection circuit is ok, there is sufficient output.



On the primary side ( where the power supply receives or draws in the power, there is components such as MOv’s, EMI filters etc which when exposed blow and act as sacrificial devices- no power is going past these components when they blow. This is when you are exposed to some electrical overstress- like a surge or lightning.



The rest of the device has power but we see the graphics card and motherboard are faulty. The reliable lifespan of most desktop PC’s are around 5 years, lets say this device is 4 years old ( the youngest it can be), then it is at or very near to end of life, depending on hours of use etc.



WE found no further signs of any electrical overstress as and when one is experienced a surge etc. WE only found some signs of discolouration and heat on the graphics card, these are known to run hot.



PCs fail as a result of wear and tear (mostly) because they have very good protection circuits and power supplies. We found no reason to state that the PC failed due to any electrical overstress, as soon as the motherboard and graphics receive power ( DC 12V, 5V) we know the power supply is ok and is converting the AC (230V) to DC.

""

Am i overthinking this or being unreasonable if I think something doesn't sit right here?
So in a nutshell, If your Power supply isn't blown, and there is no scorch marks on your floors or walls, you won't be able to submit a claim
I had a similar issue a few years back where my pc died from loadshedding, i tried to claim from our insurance and i even had a letter from a company that tried to fix the PC that said you can clearly see electrical marks etc.

They rejected the claim and said the best they can do is give me R1000 and our premiums would go up since it fell outside of our insurance cover - was suppose to be separately listed and paid for extra since it was a "high risk", high value item.

We recently changed insurance providers and when they came to do an assessment they asked what the value of my PC was and what a replacement cost would be so if something were to happen they would know more or less what to pay out.

So i assume its different depending on the different providers
 
Pathetic of Discovery.

Ask them if you take the vaccine will they pay out?
 
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