Hi, I would really appreciate some help in dealing with a response to an unsuccessful mobile phone claim with LSG, the insurers who underwrite Co-op's mobile phone insurance cover as part of my Co-op Privilege Premier Account. I recently lost my mobile phone and immediately contacted my network provider. However, as it was simply lost (and not stolen), I neglected to contact the police until a month later when prompted by the insurance company to obtain a crime reference number. Today, I received a letter stating my claim had been rejected as I didn’t contact the police within 24hrs of losing the phone (part of the T&Cs of the cover) I feel this is unfair as and not sure how to appeal as the T&Cs state it quite clearly! Am I fighting a losing battle?