omplaint Against Insurer for Failure to Reinstatement

I wish to lodge a formal complaint regarding the refusal to reinstate insurance for my iPhone 16 Pro, which I believe is unfair and procedurally unreasonable.

Background

My insurance cover was affected due to a payment that was disputed with my bank.

I submitted a reinstatement request in March last year.

I received no response at the time.

Upon following up this year, I was advised that my original email had been missed.

I was then informed that reinstatement is not possible solely because the request dates back to March last year.

Reason for Complaint

The refusal is based entirely on time lapse, despite confirmation that the delay was caused by the insurer’s failure to respond to my initial request. I acted timeously and should not be prejudiced due to an administrative oversight that was outside of my control.

I believe this outcome is unfair, contrary to principles of reasonable treatment of customers, and does not take into account the factual timeline.