后车玻璃被砸 东西被偷 保险公司竟然不赔？

4143920

晚上我车好好停在自家院子车棚里，而且说是drive way很深的那种，外面根本看不到里面有车，车棚里house不足三米，第二天早上一起来瞬间悲剧，后车玻璃了一大洞,然后发现包不见了，因为包里有我每天上课要用的东西放学回家后就一直放车上，当然去别的地方，会放到后备箱，由于本人21岁以下垫底费要700就没有买，修个玻璃花个七百多，还好我有财产保险，留学生必备的，但万万没想到这s13保险公司出尔反尔，我添单子递交前，打电话问他们能报吗，他说能，我递上去之后发邮件又说车上的东西在没人的时候被偷不报，尼玛啊！！！车里有人会被偷吗，我每天晚上都要在车里睡觉吗，坑爹啊。
这个保险公司s打头

beck@

我也打算弄一个这样的保险。。。。。

Carries_item

車子不算財嗎？

水里的青蛙

每个保险公司不一样   一般保险公司全保都包财产的  财产不管人在不再都赔  如果人在那tm怎么还会被曝窗子呢! 就好比房子财产保险 没人在家100%偷了赔 不是说人不再偷了就不陪

4143920

这傻逼保险能退吗 我想换成anz的

sunpoint2011

4143920 发表于 2014-3-26 13:16
南极星max。包医疗和无上限财产

学生险，我以前和你一样，全赔了,不过那已经是很多年前了.

chrise

4143920 发表于 2014-3-26 14:22
but why they told me they can accept this kind of loose twice （English and mandarin customer serv ...

make a complain. they should record the telephone conversation anyway. According to their policy they don't need to cover, but if someone has agreed to pay you and misleading you before, you should try to complain, maybe you can get some compensation back who knows.

=============
For complaints that relate to a claims decision, please follow our Claims Appeals Internal Disputes Resolution (IDR) process below:
1.Your first course of action is to discuss the claim with the claims assessor who completed the assessment. Please provide supporting documentation as to why you believe the declinature of your claim is incorrect.
2.If you are not satisfied with this outcome, please feel free to email the Claims Disputes Resolution Manager at info@scti.co.nz. In your email please tell us specifically why you dispute the decision and your desired outcome. We will acknowledge receipt of your dispute within 3 business days, analyse your point of view and investigate the case. Provided we have all necessary information, we will advise within 15 business days the result of our investigation and give you reasons for our decision. If we need more time, we will agree on a reasonable alternative timeframe with you. Our review timeframe will not exceed 45 days in total.

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chrise 发表于 2014-3-26 13:11
Losses We do not cover under sections 6 & 7
We will not pay for any claims arising directly or indi ...

but why they told me they can accept this kind of loose twice （English and mandarin customer servers） when I called them.  It not make sense, waste time for both of us. After that I have searched the related cases on internet, most of them have been accepted.

4143920

sunpoint2011 发表于 2014-3-26 13:14
楼主，你这个保险是车险，还是学生财产保险？车险应该只报修车钱，学生财产险要看你买的是什么了？

南极星max。包医疗和无上限财产

sunpoint2011

楼主，你这个保险是车险，还是学生财产保险？车险应该只报修车钱，学生财产险要看你买的是什么了？

chrise

Losses We do not cover under sections 6 & 7
We will not pay for any claims arising directly or indirectly from:

(a)the loss, theft or damage of personal items, cash, bank cards or travel documents:

1.left Unattended in a Public Place; or 2.left Unattended in a vehicle (including taxis); or 3.from unlocked premises or an unlocked vehicle;  

as the policy says they don't need to pay you for the loss.

if you have purchased a contents insurance, it should cover your loss. but student max insurance doesn't cover.

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chrise 发表于 2014-3-26 12:51
items should be covered by contents insurance, not car insurance.

I have the MAX student insurance

4143920

NewLynnHse 发表于 2014-3-26 12:50
没看懂

怪我表达不清。我有Max的学生保险

chrise

items should be covered by contents insurance, not car insurance.

NewLynnHse

没看懂

4143920

有没有skykiwi的朋友 有这方面经验 或是理赔成功告诉小弟