We don’t enjoy rejecting claims, but it’s a necessary evil effort. That’s because some behaviour goes against the T&C’s you’ve agreed to. Here are some of the usual deal-breakers:
Fraud, dishonesty, or misrepresentation.
Loss you caused deliberately.
Wear and tear, mildew, corrosion, or gradual deterioration.
Damage from insects, pests, or pets.
Issues from cleaning, dyeing, or accidental scorching.
Malware or software viruses.
Sun damage or climatic changes.
Items confiscated by lawful authorities.
Using items for business when not declared.
Breakdown due to defects, design, or construction flaws.
Damage covered by a service contract or guarantee.
Overseas purchases not declared at customs.
Domestic disputes.
No visible forced entry (for items stolen, including from vehicles).
For cellphones: not blacklisting with EIR/IMEI.