There are certain things that Purchase Protection doesn’t cover, which may lead to your claim being rejected. Rejected claims simply mean that you won’t get any financial aid for your claim.
Purchase Protection claims may get rejected if:
- On Classic: the theft or damage happens more than 90 days since the purchase date
- On Premium: the theft or damage happens more than 180 days since the purchase date
- If the item is also covered by another insurance policy
- If the item is lost rather than stolen
- If the claim may result in breaches of UN resolutions or trade or economic sanctions or other laws of the EU, UK or USA
- If the item has normal wear and tear
- If the item isn’t yet paid for in full
- If the damage doesn’t affect the functionality of the item
- If the damage is caused intentionally by you
- If the stolen item isn’t reported to the police within 48 hours
- In case of any fraudulent, dishonest or criminal act
- If you are not a UK resident