Appeal Against Claim Rejection – Lost Cellphone

On 20 Dec 2025, I lost my cellphone during an Uber trip. I had placed it in my pocket while lifting my bag, but both my phone and keys slipped out at the same time. The driver only noticed the keys, which I collected immediately. I later realized the phone had also fallen. Guardrisk has denied my claim, saying I “dropped the phone from my hand.” This is not true — the phone was in my pocket, and the loss was accidental. They also seem to be applying a “loss from the person” exclusion, but there was no theft or force involved. I believe this decision is unfair and based on an incorrect understanding of the facts