accident
theft following forcible and violent means
robbery or attempted robbery
misplacement
exactly how will they insure your equipment?
the exclusions is "wilful negilence"
I've heard stories where if you placed your handphone next to you, and then someone steals it from you without you knowing. (ie: handphone wasn't under your watchful eye for those few seconds), its considered negligence.
exactly what is the misplacement clause?
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basically, anyone here has this insurance policy and claimed before?