Travel insurance nightmare

I recently attempted to make a claim with Insure and go for a stolen mobile. The mobile was used by my 11 year old son at home as a gaming and netflix device and overseas with a UK 3 mobile travel sim in case of emergencies. On the day the phone was stolen I spent 4 hours in the Seville police station to obtain the needed police report and reported the phone stolen to UK 3 company who 1) gave me the phone's IMEI number and blocked this for me. They even provided me with a letter stating the phone had been blocked by them and the phone with that IMEI had been operational in Europe during my travel dates. I knew I needed to provide proof of ownership for insure and go and was aware they ask for receipts. The phone was a gift a couple of years ago and there was no receipt and no longer the box - however I had the phone repaired at a phone store while on my holiday in Italy and provided them with the receipt of the repair which included my name and the make of the phone plus the cost of the repair and the last 3 digits of my IMEI number. However insure and go would not recognise this as proof of ownership even with the letter from the UK3 company. Further insure and go said I had not blocked or provided my phone IMEI despite them receiving a letter from 3 twice as it needed to be done by an Australian phone provider even though the phone didn't have a sim in it prior to our trip. Further when I tried to submit my claim there were so many odd errors on how you could input your bank details I was already feeling scared that I had been scammed. The bank bsb numbers are preset for each bank and state and in most cases they are incorrect - meaning you will have trouble getting your money anyway. There is no way to simply enter your bsb and account number without using their flawed system. I would not recommend using them I know they achieve high ratings and that's the reason I bought their insurance but my experience suggests the great ratings aren't from people who have made claims - companies are great at getting reviews for immediately after you've bought their product - without having tested it.

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