By Newsbreak Producer Hoosen Ebrahim - Cellphone insurance may seem straightforward, but the fine print could determine whether a claim is paid or rejected. The National Financial Ombud Scheme South Africa (NFO) is warning consumers about common problems involving stolen, lost and damaged devices. Complaints include phones being used with the wrong SIM card, devices not being updated on policies, and theft from unattended vehicles. So, what happens if your phone is stolen and the SIM card does not match your policy? We posed this question to the NFO's Hannes Bester...

<p>By Newsbreak Producer Hoosen Ebrahim - Cellphone insurance may seem straightforward, but the fine print could determine whether a claim is paid or rejected. The National Financial Ombud Scheme South Africa (NFO) is warning consumers about common problems involving stolen, lost and damaged devices. Complaints include phones being used with the wrong SIM card, devices not being updated on policies, and theft from unattended vehicles. So, what happens if your phone is stolen and the SIM card does not match your policy? We posed this question to the NFO's Hannes Bester...</p>

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<p>Award-winning Current Affairs programme and News talk show. Brought to you by SABC News.</p>