About 3 weeks back, alarm co notified me of activations from a) garden beam, b) living room door, c) detector inside room, so I was quite sure there had been a break in. So told them to send round armed response, who quickly saw the living room outside door wide open and someone inside. Guns blazing (which I doubt, but anyway) they chased the fellow out and he hops over the wall, with the taken items in a plastic bag.
Once in the street he stumbles and falls and abandons the bag and disappears into another property (they find him a few mins later, but that is not the point)
Inside the bag is (my) 2 year old MacBook Pro, a few small silver ornaments and his tools of the trade, a couple of large screwdrivers with which he prises open doors, etc
The MacBook now has a couple of dings on the corner and top cover on account of its journey. I switch it on, it boots to a black screen. No amount of fiddling by myself or a friend who is a computer whiz will fix it. So off to Digicape who tell me logic board is damaged, screen is distorted, and needs replacement, about R20k odd
On submitting claim via broker, ins co take 2 weeks to tell me this is not covered, since the device was not actually stolen. So I am R20k out of pocket. Upon enquiring, I am told to read the T&Cs of the policy, but I cannot find anything that would allow them to decline a claim. I asked them to highlight the actual paragraph relating to the reason for the claim being declined, and all I am told is, your computer was not stolen, so we do not have any liability
Any similar stories? My neighbour's car was stolen from a car park and damaged. His ins paid for the repairs. How is my case any different?
Once in the street he stumbles and falls and abandons the bag and disappears into another property (they find him a few mins later, but that is not the point)
Inside the bag is (my) 2 year old MacBook Pro, a few small silver ornaments and his tools of the trade, a couple of large screwdrivers with which he prises open doors, etc
The MacBook now has a couple of dings on the corner and top cover on account of its journey. I switch it on, it boots to a black screen. No amount of fiddling by myself or a friend who is a computer whiz will fix it. So off to Digicape who tell me logic board is damaged, screen is distorted, and needs replacement, about R20k odd
On submitting claim via broker, ins co take 2 weeks to tell me this is not covered, since the device was not actually stolen. So I am R20k out of pocket. Upon enquiring, I am told to read the T&Cs of the policy, but I cannot find anything that would allow them to decline a claim. I asked them to highlight the actual paragraph relating to the reason for the claim being declined, and all I am told is, your computer was not stolen, so we do not have any liability
Any similar stories? My neighbour's car was stolen from a car park and damaged. His ins paid for the repairs. How is my case any different?
