Lost phone not covered by insurance?

rhig

I started a new contract with T-Mobile in August buying a Vario II on Flext 35 with insurance from Fonesafe. A couple of weeks ago I lost my phone in a club, I reported the loss to the police and had the phone blocked by T-Mobile.

After having the phone blocked I called Fonesafe who asked me how the phone was lost, I told them I couldnt remember but it may have been in the cloakroom. Apparently this is not covered under the policy as I was told on the phone and by post "Your handset was left unattended in a building or public place and this is not covered by your policy".

Obviously I have made a stupid mistake here and given the insurance company too much information, does anyone know if I have any chance of appealing the decision? I did not state that the phone was unattended but said it was a possibility, if I remember this was not the case can I change my initial claim?

tsol

Rhig,

I think it will depend on what you told the police as to whether or not you will win an appeal.

I would be inclined to argue with them all or any of:

a) the club was not a public place.
b) the cloakroom was not a public place.
c) the phone was not left unattended.
d) the phone could have been lost somewhere else.

Only you can say if any of these apply but they have refused your claim so you got nothing to lose. Argue with them don't just accept what they say.

Good luck with your claim.