CUSC foneguard mobile phone insurance

dacouch

If it makes you feel any better, most mobile phone policies have a similar wording for theft.

They're not value for money if you ask me

bluemonday3

Thanks, I just feel incredibly ripped off

Secretdebts

I'm dealing with this company as we speak and I'm absolutely fuming with them. I will never recommend them & will never let anyone I know use them. Last Sunday 2nd Sept I was mugged & assaulted & my iPhone stolen. The police have caught him & he's been charged etc so there is a full crime report. They have been dragging their heels for nearly two weeks now. As requested I sent them the imei number, proof of purchase, proof of useage, proof of barring. They then replied three days later saying they wanted an itemised bill for the 2 weeks before the phone was stolen. Firstly there is no reason for them to need that - they have proof of usage. My phone provider have agreed that there is no reason why they should need that. They have now (under protest) received this and after another two days my claim is still "under reveiw". Now in my policy documents the entire claim should be 4 days from start to finish. They are dragging their heels, making unreasonable requests and I would like to know how to take this further if anyone has any suggestions?

dacouch

Secretdebts wrote: »

I'm dealing with this company as we speak and I'm absolutely fuming with them. I will never recommend them & will never let anyone I know use them. Last Sunday 2nd Sept I was mugged & assaulted & my iPhone stolen. The police have caught him & he's been charged etc so there is a full crime report. They have been dragging their heels for nearly two weeks now. As requested I sent them the imei number, proof of purchase, proof of useage, proof of barring. They then replied three days later saying they wanted an itemised bill for the 2 weeks before the phone was stolen. Firstly there is no reason for them to need that - they have proof of usage. My phone provider have agreed that there is no reason why they should need that. They have now (under protest) received this and after another two days my claim is still "under reveiw". Now in my policy documents the entire claim should be 4 days from start to finish. They are dragging their heels, making unreasonable requests and I would like to know how to take this further if anyone has any suggestions?

I've not read their policy, but a lot of these companies stipulate your sim card must be in the mobile when it's stolen and the phone has to have been in use recently. I assume they're trying to check this.

bluemonday3

I am so sorry to hear about your incident. This company is full of bull.
I was told that my son's policy began before it covered loss yet we cannot claim for theft as it was without threat or harm.
I spoke to CUSC foneguard today to be told that whatever I put on the claim form determines the payout and intimated I should have enhanced the truth!! I am an honest person and do not want to waste police time, it's a pity this company do not think the same.
Can I ask when you took out the policy?

Secretdebts

dacouch wrote: »

I've not read their policy, but a lot of these companies stipulate your sim card must be in the mobile when it's stolen and the phone has to have been in use recently. I assume they're trying to check this.

I understand that - and that is why o2 provide a proof of useage letter to confirm that the mobile has been used up to the date in question. There is no reason why they should need my ITEMISED bill when o2 confirms that the phone was in use, which is perfectly good enough for every other insurance company & is cited in the policy as a required document.

Jennywren3

Yes I had dealings with this company My phone was pick pocketed I was told I couldnt claim as I hadnt been injured
Took it to Financial Services Ombudsman
They have just found in my favour
Company are now saying they will only give my 149pounds even though my phone was 199 pounds two years ago
Its been a long battle !!!!!!!

dacouch

Jennywren3 wrote: »

Yes I had dealings with this company My phone was pick pocketed I was told I couldnt claim as I hadnt been injured
Took it to Financial Services Ombudsman
They have just found in my favour
Company are now saying they will only give my 149pounds even though my phone was 199 pounds two years ago
Its been a long battle !!!!!!!

It might help other MSE members especially future posters who stumble on this thread via googling CUSC if you could give a decription of your case, how you thought it and what the Ombudsman said.

With regard to the amount you received, these policies typically replace with a refurbished phone or the price of a refurbed phone,

Jennywren3

Basically FSO said the Courts have decided that force need not involve the use of physical vilence and they considered the act of the unidentified pickpock in putting their hands into the handbag would constitute the use of force I would like to put most of thier decision on line but cant figure out how to do it

Quentin

Jennywren3 wrote: »

Basically FSO said the Courts have decided that force need not involve the use of physical vilence and they considered the act of the unidentified pickpock in putting their hands into the handbag would constitute the use of force I would like to put most of thier decision on line but cant figure out how to do it

You'd have to type it in, or upload it as a picture elsewhere and give us the link to it.