Insurance firm that denied screen damage claim told to pay 75% of mobile phone cost by consumer forum
Anjana Mittal (67), a Kavinagar resident, had bought the insurance policy alongside the phone in June 2023. When the phone's screen got damaged on the day the insurance plan was expiring, she wasted no time in approaching the seller for a replacement. After being denied a replacement or repair, she filed a petition with the consumer forum in Aug 2024.
On July 19, District Consumer Disputes Redressal Commission (DCDRC) ruled in favour of the complainants, Anjana and her husband Vijay Mohan, directing the insurer, Zipcare Protect (owned by Infiniti Retail Limited), to pay the compensation amount within 45 days of the order.
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Failing this, the consumer is entitled to claim interest at 6% per annum on the outstanding amount until final payment is made, it added.
Having issued a notice to the respondent and given them time to reply, the commission finally took up the matter ex parte and concluded that since the damage to the mobile screen was within the policy period and due information was given to the insurer in time, they committed a deficiency of service by not settling the claim.
"The respondent is entitled to get compensation on a 'notional basis' calculated at 75% of the cost of the mobile, which comes to Rs 50,324, and in addition, should also be compensated with a fine of Rs 5,000 for mental agony and litigation cost," the commission said.
The couple, in their petition, informed the commission that they bought a Vivo X-90 (12GB, 256GB) on June 3, 2023, after paying Rs 67,099.
"We were told that on paying additional Rs 6,300, the Zipcare Protect scheme would also cover any damage to the mobile screen during the policy period. But when we approached them for a replacement within the policy period, they refused to acknowledge any damage and kept refusing despite repeated complaints," the complainants said.
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