Anyone file a claim for MBNA Mastercard Purchase Assurance
I have the Smart Cash Platinum Plus Mastercard and I was wondering if anyone has any experience filing a claim under the Purchase Assurance benefit?
I called MC and they said that this insurance is secondary to my home owner's insurance and that I would have to file it under home owner's insurance first. If I do not have home owner's insurance then I need to have a notary stamp to certify that I do not before I can file it with Mastercard.
This is for an expensive wallet I lost/stolen at a friend's house. I filed a police report, so that document I can get (which I have to pay for).
This is discouraging..
Does home owner insurance usually cover personal goods that I did not lose at home? Does it cover me if the insurance is under my father's name? Will it raise the price of our insurance?
A lawyer will cost a lot for that stamp to say that my home owner's insurance doesn't cover, what is the point of Purchase Assurance then? It is such a hassle. Has anyone tried to claim Purchase Assurance with Mastercard before and did you have to go through home owner's insurance first?
I need some guidance. Thanks for anyone's help.