Dear ASS Editors,

I am posting this in respect to the unpleaasnt ordeal recently with tokio marine and also hope this post will serve as a reminder and alert those who has got intention to purchase travel insurance from tokio marine in future .

My husband and I got travelled to San Francisco for our holiday trip last month and some mishap happened. We did our shopping spree at their premium outlet from noon till evening , left all shopping items at rear boot of our rented car and drove off for dinner . Upon returning to our car after dinner,found the rear window smashed and all shopping items stolen away. Police report was made right-after. I was thinking to myself luckily we bought travel insurance prior to the trip.

I purchased a single trip from Sompo for myself and an annual premium travel insurance from tokio marine for my husband. We submitted a claim upon reaching Singapore and I got my claim from Sompo with no question ask. My friend who was traveling with us received her claims from AIG promptly too. One month later my husband received a rejection letter by tokio marine stating they are not compensating a single cent to my husband . The reason is due to the clause that they ONLY cover motor vehicles”

Robbery/burglary during DAYLIGHT, and because our thief incident happened around 7-11 pm, they will not honour the claim.I am amused with this special clause which I feel is the most ridiculous things I have ever heard of. We feel absolutely indignant and angst. For those who has decided or intend to purchase travel insurance from tokio marine , please pray that theive and robbery better don’t happen to you after sunset else you will not be covered at all.

Good luck I do hope this post will highlight the illogical clause that most people are unaware of and reconsider your decision before purchase. Also a reminder to read on the contract carefully without assuming logic and rational exist. My husband and I once had good impression of tokio marine. This particular incident is a disappointment . I am reaching out to Singapore seen to catch the awareness of more consumer and prevent the same mishap from happening to them.

Ye Huifen
A.S.S. Contributor

Check Also

PHV Drivers Dangerously Encouraged To Work Long Hours For Free Staycation!

The privately organised PHV competition is very questionable. Why was this even allowed in the first place? Are companies like Grab and Gojek aware of this? How are they going to answer if drivers speed and get into accidents?