Where’s my insurance?

I have a problem here concerning hire purchase.

I bought a TV set and a microwave and defaulted a few months and the TV accidentally broke the screen and I was required to do a police report and bring a police affidavit for processing of insurance claim. I was called and told to clear off the arrears from my defaults before I could be assisted and I complied but now it’s becoming a problem for them to assist me though I cleared arrears and on a good standing. Please advise and

Another, similar story illustrating how hire purchase can go wrong. Another lesson about hire purchase is that while you’ll often be offered insurance against the goods being stolen or damaged, you really need to read the small print in the agreement you sign. You must check to see what exactly the policy covers and when. For instance, it’s normal for the policy not to cover you if you’re behind with your instalments, like in your case.

I contacted the Country Manager for the store and he confirmed that if your account is up to date they can process your claim but also mentioned that this needs to be done within 60 days of the damage occurring. If it’s after that period then they might only consider the claim, there’s no guarantee.

Update: I heard from the customer that the store lost his original police complaint and they need a new one. I hope this means they accept some responsibility for the delay and encourage their insurance people to do the right thing?