MOBILE PHONE INSURANCE FREQUENT QUESTIONS
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Below are some of the frequently asked questions and their answers:

HOW MUCH DOES IT COST?
WHAT ARE THE COVER LIMITS?
WHAT IS COVERED?
WHAT IS NOT COVERED?
WHAT IS THE POLICY EXCESS?
WHERE ARE MY MOBILE PHONE & GADGETS COVERED?
HOW LONG DOES COVER APPLY FOR?
BUYING ONLINE - ARE MY DETAILS SAFE?
HOW WE PROTECT YOUR DATA
WHO INSURES ME?
HOW DO I MAKE A CLAIM?
IS MY MOBILE PHONE COVERED WHILST I'M ABROAD?

If you cannot find the answers you require please contact us either via email: customerservices@cover4mobilepnoes.com or phone us on 0844 576 8365* and we will be happy to help.


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HOW MUCH DOES IT COST?

It varies, depending on the amount of gadgets you insure and the value of the items.

There are three types of policy:

  • Essential (up to £500/item).
  • Essential Plus (up to £750/item).
  • Premier (up to £1,000/item).

Up to £500 / single gadget:
1 gadget is £5.12 / month or £48.22 / year.
3 gadgets is £12.64 / month or £130.89 / year.
5 gadgets is £18.72 / month or £197.83 / year.
Up to £750 / single gadget:
1 gadget is £5.79 / month or £55.54 / year.
3 gadgets is £13.83 / month or £144.01 / year.
5 gadgets is £21.041 / month or £227.52 / year.
Up to £1,000 / single gadget:
1 gadget is £6.74 / month or £66.52 / year.
3 gadgets is £16.21 /month or £170.59 / year.
5 gadgets is £23.30 / month or £248.72 / year.


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WHAT ARE THE COVER LIMITS?

Cover TypeEssential
(limit per gadget)
Essential Plus
(limit per gadget)
Premier
(limit per gadget)
Accidental Damage£500£750£1,000
Theft£500£750£1,000
Accidental Lossnot included£750£1,000
Breakdown£500£750£1,000
Malicious Damagenot includednot included£1,000
Fraudulent Usenot includednot included£100
Accessories£75£75£75
Download Coveroptionaloptional£2,00

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WHAT IS COVERED?

  • Section A. Accidental Damage:
    • We will pay repair or replacement costs if your gadget is damaged as the result of an accident, water or liquid damage.
  • Section B. Theft:
    • If your gadget is stolen we will replace it. Where only part or parts of your gadget have been stolen, we will only replace that part or parts.
  • Section C. Accidental Loss:
    • If you accidentally lose your gadget we will replace it. Where only part or parts of your gadget have been lost, we will only replace that part or parts.
  • Section D. Breakdown:
    • The policy covers mechanical breakdown which occurs outside of the manufacturer’s guarantee period. This cover is not available on laptops.
  • Section E. Malicious Damage:
    • If your gadget is damaged through the intentional or deliberate actions of another party we will repair or replace it. Where only part or parts of your gadget have been damaged, we will only repair or replace that part or parts.
  • Section F. Fraudulent Call Use:
    • If your gadget is a mobile phone, is lost or stolen, and the loss or theft is covered by your policy, we will refund the cost of unauthorised calls made from it after the time it was lost or stolen up to a maximum of £100. Cover will only apply to unauthorised call made within 12 hours of discovery of the loss or theft of the phone. Itemised bills must be provided to support your claim.
  • Section G. Digital Downloads:
    • In the event of a claim being agreed by us under Sections A, B, C, D or E of this policy we will pay for either the cost of repair or replacement of digital downloads purchased by you for use on your gadget. This Section of cover is included automatically under the Premier Plan but will only be included under the Essential and Essential Plus Plans if you selected it as optional additional cover and paid the required extra premium.
  • Section H. Accessories
    • In the event of a claim being agreed by us under Sections A, B, C or E of this policy we will pay for all accessories damaged, stolen or lost at the same time as your gadget up to a combined retail price of £75 including VAT for each gadget insured.The retail price will be the standard selling price applicable on the original day of purchase.


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WHAT IS NOT COVERED?

  1. Theft or accidental loss:
    • from any motor vehicle where you or someone acting on your behalf is not in the vehicle, unless the gadget has been concealed in a locked boot, locked glove compartment or other locked internal compartment and all the vehicle’s windows and doors closed and locked and all security systems have been activated. A copy of the repairer’s account for such damage to the vehicle must be supplied with any claim;
    • from any building, land or premises unless force, resulting in damage to the building or premises, was used to gain entry or exit; A copy of the repairer’s account for such damage must be supplied with any claim;
    • where the gadget has been left unattended when it is away from your home;
    • any theft not reported to the police within 24-hours and a crime reference number obtained.
  2. Accidental loss or damage caused by:
    • you deliberately damaging or neglecting the gadget;
    • you not following the manufacturer’s instructions;
    • routine servicing, inspection, maintenance or cleaning;
    • the use of accessories.
  3. Repair or other costs for:
    • routine servicing, inspection, maintenance or cleaning;
    • loss caused by a manufacturer’s defect or recall of the gadget;
    • replacement of or adjustment to fittings, control knobs or buttons, batteries or aerials;
    • repairs carried our by persons not authorised by us;
    • wear and tear or gradual deterioration of performance;.
    • where the serial number has been tampered with in any way.
  4. Any kind of damage whatsoever unless the damaged gadget is provided for repair.
  5. Any loss of a SIM (subscriber identity module) card.
  6. Any repair or replacement if a SIM card registered to you was not in a mobile phone at the time of the loss, damage or theft.
  7. Reconnection costs or subscription fees of any kind.
  8. The cost of replacing any personalised ring tones or graphics, downloaded material or software unless insured under Section G.
  9. Any expense incurred as a result of not being able to use the gadget, or any loss other than the repair or replacement costs of the gadget or any loss other than the repair or replacement costs of the gadget unless relating to unauthorized call use for your mobile phone up to the maximum value of £100.

Please note: if you are insuring an item without SIM card capability, all exclusions relating to SIM cards are not applicable.


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WHAT IS THE POLICY EXCESS?

There is a policy excess applicable to each and every claim (this is the amount you must contribute towards the claim).
There is an excess fee for all claims which must be paid before your claim can be approved.
If your claim is for a laptop, there is a £50 excess fee for each claim.
If your claim is for a Smart Phone, there is a £50 excess fee for each claim.
For all other items, there is an excess fee of £25 for theft / damage claims and £50 for accidental loss claims.
Claims for digital downloads carry an additional excess of £25 for each claim.


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WHERE ARE MY MOBILE PHONE & GADGETS COVERED?

This insurance covers the gadget(s) bought and used in the UK, the Isle of Man and the Channel Islands. Cover is extended to include use of the gadget(s) anywhere in the world up to a maximum of 90 days in total, in any single 12 month period, subject to any repairs being carried out in the UK by repairers approved by us.


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HOW LONG DOES COVER APPLY FOR?

Your policy will be on either an annual basis or a monthly rolling basis as explained below and as confirmed in your Insurance Schedule:

  • ANNUAL POLICIES: if you selected an annual period of cover, the insurance starts at the time of purchase or at renewal and continues for a period of twelve months, upon receipt of your premium. The annual premium will be collected by the policy administrator by Credit/Debit Card.
  • MONTHLY ROLLING POLICIES: if you selected monthly rolling periods of cover, the insurance starts at the time of purchase for a period of one month and will continue by periods of one month at a time upon receipt of each monthly premium from you. The monthly premium will be collected by the policy administrator by Direct Debit. The insurance will be terminated immediately if the policy administrator does not receive your monthly or annual premium, as appropriate.

Your Insurance Schedule will confirm if your policy is on an annual basis or monthly rolling basis.


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BUYING ONLINE - ARE MY DETAILS SAFE?

Yes. The security of your personal and financial details is of paramount importance to us and as such we use one of the strongest available security systems to protect your communications with us.


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HOW WE PROTECT YOUR DATA

Whenever you fill in an online form, such as a request for a quote, it is automatically protected using something called a Secure Socket Layer (SSL) between your computer and ours. SSL works in the following ways:

SSL PREVENTS IMPERSONATION

You can tell that you are using a genuine SSL site by the padlock symbol at the bottom of the screen. Clicking on either the padlock or the image below will reveal our Registration Certificate that is issued by Digi Sign Limited, a leading Internet security company.

SSL ENCTYPTS DATA

As soon as your computer has recognised our computer they encrypt all information that is passed between them. Data encryption means that no one else can read or change your information as it travels over the Internet.

SSL PREVENTS SCRAMBLING

SSL uses a Message Authentication Code (MAC) to prevent anyone tampering with our Internet site. Your computer will always check this code before it takes a message from us. This means that if anyone tried to interfere with a message, your computer would not recognise the code and would alert you.


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WHO INSURES ME?

This insurance is arranged by i-Digital Insurance, a trading style of i-Partners Insurance Management Limited and underwritten by Jubilee, Lloyd’s Syndicate 5820.

The Lloyd’s Managing Agent for Lloyd’s Syndicate 5820 is Jubilee Managing Agency Limited. It is entered in the Register of Lloyd’s Managing Agents. Registered Office: 50 Fenchurch Street, London EC3M 3JY. Registered in England: number 04434499.

The Policy Administrator is Jubilee Service Solutions Limited. Email enquiries@i-digitalinsurance.com ,  Telephone Number: 01444 419991.

The Claims Administrator is Citymain Administrators Limited. Telephone Number 0844 875 1566

i-Partners Insurance Management Limited is an appointed representative of idRisk Advisory Limited who is authorised and regulated by the Financial Conduct Authority.

Jubilee Service Solutions Limited and Citymain Administrators Limited are also authorised and regulated by the Financial Conduct Authority.

You can visit the Financial Conduct Authority website, which includes a register of all regulated firms at www.fca.gov.uk/register or by contacting them on 0845 606 1234.


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HOW DO I MAKE A CLAIM?

  1. You must:
    • notify the claims administrator on 0844 875 1566 as soon as possible in any event of any incident likely to give rise to a claim under this insurance;
    • report the theft or accidental loss of any mobile phone or PDA, within 24 hours of discovery to your Airtime Provider and blacklist your handset;
    • report the theft or accidental loss of any gadget to the Police within 24 hours of discovery and obtain a crime reference number in support of a theft and a lost property number in support of an accidental loss claim;
    • provide details of the claim and any other contract, guarantee, warranty or insurance that may apply to the loss including but not limited to household insurance. Where appropriate a ratable proportion of the claim may be recovered direct from these Insurers;
    • provide original proof of purchase of the gadget or digital downloads for which you are claiming. This shall include any receipts, documents or any other proof of purchase that is reasonable for us or the claims administrator to request.
  2. If we replace your gadget the damaged or lost item becomes ours. If it is returned or found you must notify us and send it to us if we ask you to.

To help to improve its service, the claims administrator may record or monitor telephone calls.


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IS MY MOBILE PHONE COVERED WHILST I'M ABROAD?

Yes cover is extended to include use of the electronic equipment anywhere in the world up to a maximum of 90 days in total, in any single 12 month period, subject to any repairs being carried out in the UK by repairers approved by us.

If you are travelling, with your phone or without it, it is essential that you obtain adequate travel insurance, whether it's a single trip, backpacking/gap year or an annual multi-trip you need.You can get the best competitive deals at cover4travel.com.