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Weird insurance claim pickup issue. Is this fraud?

eY_b0ss

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So my insurance company is PSG.

Today the insurance company came to pickup one of my GPU's that is broken, which I filled a claim form in.

The guy was from a company called "windmill" and asked me for my broken GPU, TV, refrigerator, DSTV decoder, LNB and JBL Speaker.

I told him i only claimed a broken GPU. He showed me his sheet with my info on it and it stating they need to pick all those items he asked for.

He left, saying they will probably contact me since I've only given them one item.

Is this some kind of insurance fraud that is happening behind the scenes?

PSG is not an insurance company but a middle-man, so could someone there be attempting to claim more via me?

I am very n00b in the insurance department, this was my 2nd claim in my life.
 

Niemand.JP

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@eY_b0ss that does not sound right to me. They would only pickup the item you claimed for. Call your direct insurance and ask them about it.
 

rinners

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Do you have a JBL speaker and the other stuff mentioned? If so did someone do an inspection of your belongings?

I've always wondered if there's a theft or fire, how do insurance companies know what was actually taken or lost, what's stopping people from adding extra to the claim that they never owned?

When I got married and took out our first joint insurance there was a guy who came and took photos of everything, which I could understand but it was a bit creepy. And I airways wondered since, are we now supposed to tell the insurance about everything we buy from them on out, or regularly get them to come do their inspection? That sounds like a lot of extra cost on their part. I think we've since changed insurerers and we didn't have anyone come do the same again.

Has anyone got more info on this? @iamgigglz ?
 

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When i claimed for my TV that broke a third party company came to collect to do the assessment, they didnt ask me about anything.
Did you maybe specify those items specifically when you took up your insurance, because then it could just be a simple mistake?

Nowadays they cover contents with an amount value, the guy said to me on the phone "if we took the roof off and turned your house upside down, whatever falls out would be covered under contents" So i gave a rough estimation of all my stuff and got a premium, never had to inventory anything.

I'm with MiWay by the way.

I think it might just be an error, well hopefully.
 

eY_b0ss

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I only have my car, office content to the value of R100k and my pc insured, nothing else in the house is insured at all, so it was really weird all the items they had to come collect.
 

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That is definitely not right, someone might be claiming extra's on your behalf

I'm with Outsurance and I could track the process and see what it is, i.e structural etc on their App with my structural and contents claim In December . They also sent me a SMS after conclusion of the claim that the salvage company will pick up the damaged items
 

iamgigglz

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Yeah that's dodgy AF. You need to speak to PSG about this - as you say, they're not an insurance company, they're brokers. They will have a licence to do business with various insurers and will have intimate knowledge of how the policy works.

You're paying a little extra on your policy for their services; make them work for it. Tell them what happened and ask them for something in writing confirming the details of the claim - the item that was claimed for, the value, reason, dates etc. Ideally from the insurer but something from PSG will do. It's just to cover your ass.

If the insurer says you claimed for all that stuff and you refuse to hand it over, they can reject the claim and even cancel your policy on grounds of fraud, which in turn can raise your premiums elsewhere.
 

souljazk

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DId you take a pic of the guy / his form / car reg etc? Sounds dodgy as fuck.
 

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Did they receive your GPU on the other end? Did you take the serial number down before you gave it over?
 

eY_b0ss

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I didn't take those details no, I was confused and didn't think straight. I do have the serial still of the product, since i took it for a damage report at matrix computers. So that should not be an issue. I will contact PSG then to look into the matter, they only paid me for my gpu (7k total).
 

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