GizmoHelp is one of the worst insurance company and could not be trusted, especially with mobile phone insurance. No matter how genuine your case is, their partner Financial Heights, who is actually responsible for payment will find out illogical reason to reject your claim.
I had Gizmohelp insurance for my Iphone and one day my phone slipped form my hand and the screen came out. I called Gizmohelp and told that it was slipped and the screen came out, at this time, no one asked me or told me that I need to explain the whole scenario(how it slipped) in the call and that is a part of their documentation.
I was under impression that I just need to inform them over the phone and then mention complete details in the form, which I did. I explained in the form, how it was actually slipped from my hand and also submitted the other documents as requested by Gizmohelp.
All the documents provided to Gizmohelp were verified by them and after they were satisified with the documents, they had given me the go ahead to replace the phone which costed me 25, 000.
After replacing my phone, I sent the pending document, that was original bill of replacement and photograph of new phone bearing IMEI number. All these documents were the forwarded to Financial Heights for the approval.
To my surprise, I was not given the approval and reason was my call and form details were not matching where as the only difference was that in call I said my phone was slipped from my hand assuming that call was just for information but gave completed details( how it slipped) in the form. How illogical it is to say that there was a difference. How a phone can slip from hand just like that, there had to be some reason which I had mentioned honestly in the form and that backfired me and logically where is the difference, the bottom line is that phone was slipped from my hand and this is what I mentioned in call as well as in the form, Its just that form had more details
Moreover if they think call details and form details were not matching then why the rejection was not made at the verification stage, these documents were available with Gizmohelp and verified before replacement. Why I was given the go ahead. If I was told this at the verification stage, I would have not spent 25, 000 to replace the phone instead bought some other phone.
I felt so cheated by this company as they could have rejected the claim very well at verification stage but instead they made me to replace the old phone and then reject the claim with stupid and illogical reason.
After the rejection of the claim, I wanted to speak to Financial Heights to ask them why tis illogical decision was made now and not at the verification stage but their number was not shared and they do not respond to email.
GizmoHelp and Financial Heights is one big cheater and no matter how genuine your case will be they will still reject it by giving some stupid reason and then they don't bother to answer your question and you won't get any phone number.
I will be taking this to consumer court soon.
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