The extension to your Claims Department
At The Fone Clinic™ we believe that by providing additional claims investigations we have slowly become an extension of our insurance partners' claims departments. Due to the urgency in evaluating, repairing or replacing and returning the claimant's handset, it is difficult for the insurer to take a detailed look at the claim beyond that of the information supplied by the claimant.
Upon receipt of the claimant's phone, The Fone Clinic™ make many detailed checks on behalf of the insurer that an insurer's claims department simply cannot cover without sight of the phone and the technical expertise in review. An example of this is where our 'Goods In' will look at obvious discrepancies such as checking that the phone received matches the paperwork supplied to us by the insurer. In the event that an IMEI or model is different it could be that the claimant is providing a repair service for a friend using their policy cover, or at best the claimant's policy has simply not been updated since the claimant's last upgrade, in which case The Fone Clinic™ are able to supply essential information used by our partners to update their databases. Other areas that are not so obvious, which are also under scrutiny, include when we take delivery of the remaining parts of a mobile following the accidental damage. Often the parts received are not the parts insured or they are parts made up from several different mobile phones. Hammer marks are also common and indicate intentional damage by the claimant, especially when water damage was the description of damage provided by the claimant.
Whatever the discrepancy, The Fone Clinic™ allow their insurance customers to make the decision following our evaluation, as all phones that suggest conflict are immediately quarantined awaiting instruction in reply to a condition email sent to our insurance partners.
Through the The Fone Clinic™s extensive fraud detection experience, we are able to provide advice and consultancy to our insurance partners who are setting up new schemes or simply re-addressing the profitability of existing and failing schemes by informing them of better ways to administer claims and thus decrease the opportunity for intentional damage.
If you would like to know more about how our specialist part of the claims process could assist in the reduction of your cost per claim, please Contact us
Registered address: 18-20 Parkside Centre, Potters Way, Southend-on-Sea, Essex, SS2 5SJ
JAH Services Ltd trading as the Fone Clinic is registered in the UK, number 3090816.