I recently lost my nice new phone; no major dramas, I got a replacement sim & reverted to my old one which still works. I put in a claim with my insurance company to have the old one replaced, but they are refusing on 3 grounds: My claim has been made within 21 days of registration - not strictly true as I have my proof of insurance dating from exactly 21 days before the incident, and did not claim until well after 21 days My personal details have changed since registration - er....no they haven't The Police were not contacted withing 24hours and no reference number given - I contacted the police immediately and numerous times after, but all they did was note the IMEI number and tell me to keep ringing back to check. Only a week after the event was a crime number eventually given If no crime has been committed (it was a simple loss) why are the police involved at all? My question is, are the insurance company just being difficult, or do I have grounds for a reasonable appeal? In particular I'd like clarification of the whole police reference number issue!! Before people tell me to go and talk to the insurance company I have, and they were less than useful, fobbing me off from person to person.