Terrible service - so let down by the 'extra cover' i had purchased

I have never been so devastated. The customer service by the claims team at TID has thus far has been horrendous. I have had to chase for my claim to even be looked at. If I didn’t chase them they wouldn’t have assessed it within the 10 day period they strictly state they respond within.Long story short: I was traveling from one hotel in Monterey to my new hotel in San Francisco. We had all our belongings on us as we were travelling between hotels. We stepped out of the car to stretch our legs and take a photo, as our new hotel couldn’t check us in just yet. We walked from one side of the street to the other ( Not a large street – a two lane street) to look at the view. In this time our car was broken in to and my bag stolen. Inside my bag was my engagement ring, all my jewellery, makeup, cosmetics and a few other things. I was very wary of San Fran as I knew that they had a large homeless population there and so was worried about wearing my engagement ring and jewellery on the streets. I thought that I was being cautious by leaving them in the car. I also didn’t leave the car unattended. I was 7.5m from the car and could see the car at all times. TID has stated that they won’t cover any of the stolen jewellery as I shouldn’t have left it unattended. It should have been at my hotel or on me. I was in transit to my hotel – so unsure where else my belongings could be. I also thought I was being the careful one. I took out EXTRA cover of $12K not the normal $5K cover for my luggage and personal belongings as I knew I had a few pretty things to protect. TID is going to cover $5K and not cover any of my jewellery. Not only that they have depreciated all my belongings without even consulting me. E.g. Paying out $30 on a $60 make up brush. It’s not like I can buy a second hand make up brush. I have just had my claim escalated which will take 15 business days for TID to get back to me with an answer as their general claims team was so unhelpful. Michelle( the team leader) in the claims team said to me “ I’m very sorry for your loss but it is reasonable that we don’t pay out on the jewellery given the circumstance”. The lack of empathy, compassion and human decency was astounding. I used TID as they were recommended to me. I WILL NEVER USE THEM AGAIN. BE WARNED.I expect a response from TID within 3 workings day otherwise I’ll be escalating my claim to the ombudsmen.

Did you like or dislike this review?