Pania* returned from her Fiji family holiday and made a claim for her lost ring and iPhone. While out in the water she said her ring fell off and her iPhone fell out of her pocket, lost to the ocean.
She had no evidence of loss (i.e. police report or other evidence to show Pania had made enquires as to the location of her lost items). Unfortunately, the photo she provided to prove proof of ownership of her ring, was found to be false. It was from an American wedding website. Pania’s insurer, therefore, did not believe that she could prove ownership, let alone prove her loss. The claim was declined.
Check your policy to see what evidence is required to show something was lost or stolen. See Storm in a tea shop for more details.
Complaint not upheld.
*Names have been changed.