MOBILE PHONE INSURANCE FREQUENT QUESTIONS

Below are a number of questions which are frequently asked about the cover provided.

WHAT COVER OPTIONS ARE AVAILABLE?

We offer four levels of cover:

  • Mobile Phones, PDA's, Blackberry's up to £150.
  • Mobile Phones, PDA's, Blackberry's from £151 to £400.
  • Mobile Phones, PDA's, Blackberry's from £401 to £600.
  • iPhone insurance up to £600 in value.

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WHAT PAYMENT OPTIONS ARE AVAILABLE?

Mobile Phone, PDA and iPhone Insurance provides insurance cover for mobile phones against accidental damage and theft anywhere in the world.

  • Annual mobile phone insurance cover from only £27.39*
  • Monthly premiums from £2.49*

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WHAT WE WILL COVER

A. Accidental Damage:

  • We will pay repair costs if your electronic equipment is damaged, as a result of an accident

B. Theft:

  • If your electronic equipment is stolen we will replace it. Where only part or parts of your electronic equipment have been stolen we will only replace that part or parts.

C. Accidental loss:

  • If your electronic equipment is stolen we will replace it (excludes iPhones which are not covered for loss). No other electronic equipment is insured for loss.

D. Breakdown:

  • Breakdown which occurs outside of the manufacturers guarantee period. This cover is not available on laptops or computers.

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WHAT WE WILL NOT COVER

A. Accidental damage:

  • Accidental damage caused by:
    -you deliberately damaging or neglecting the electronic equipment,
    -routine servicing, inspection, maintenance or cleaning, or any cosmetic damage;
  • An excess fee of £75 for any claim relating to a laptop, £100 for any claim relating to an iPhone and £25 for any other item.

B. Theft:

  • An excess fee of £75 for any claim relating to a laptop, £100 for any claim relating to an iPhone and £25 for any other item, within the UK. for international claims the excess fee is £75 for all items except laptops and iPhones, for which there is an excess fee of £100;
  • Theft from any motor vehicle where you or someone acting on your behalf is not in the vehicle, unless the electronic equipmenthas been concealed in a locked boot, glove compartment or other locked internal compartment, and all the vehicle's windows and doors are locked and all the security systems are activated;
  • Theft from any building, land or premises unless force, resulting in damage to the building or premise, was used to gain entry or exit;
  • Any theft not reported to the police within 24-hours and a crime reference number obtained.

C. Accidental loss:

  • The loss of electronic equipment other than your mobile phone or PDA(excluding iphones which are not covered for loss);
  • The loss of a SIM(Subscriber Identity Module) card;
  • An excess fee of £50 for any claim. All international claims are subject to an excess fee of £75.

D. Breakdown:

  • An excess fee of £100 for any claim relating to an iPhone and £25 for any other item;
  • Any breakdown for laptops;
  • Repair or other costs for:
    -routine servicing, inspection, maintenance or cleaning;
    -wear and tear or gradual deterioration of performance;
    -if the serial number has been tampered with in any way;
  • Repairs carried out by any persons not authorised by us.

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WHERE & FOR HOW LONG DOES COVER APPLY?

WHERE DOES COVER APPLY?

World Wide Cover: The policy entitles you cover whilst you are abroad up to a maximum of 60 days.

HOW LONG DOES COVER APPLY FOR?

This contract of insurance is an annual contract but can be paid monthly or annually. For insurance policies paid monthly, the policy is only in force if the monthly premium has been paid.

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WHAT TYPES OF PHONE ARE COVERED?

  • PAYG Mobile Phones
  • Contract Mobile Phones
  • PDA's
  • Blackerrys
  • iPhones

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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?

UK & Ireland Insurance Services ( Online ) Limited have partnered with specialist insurers to provide niche insurance solutions for mobile phones and portable gadgets.

This insurance is arranged by Supercover Insurance Ltd 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: Sidcup House, 12-18 Station Road, Sidcup, Kent DA15 7EX . Registered in England number 04434499.


All companies are authorised and regulated by the Financial Services Authority (FSA), which can be checked on the FSA website at www.fsa.gov.uk/register or by phoning the FSA on 0845 606 1234.

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HOW DO I MAKE A CLAIM?

Should you need to register a claim in respect of your equipment, please follow these simple steps:

1. You must inform the Police within 24 hours of discovering any theft or malicious damage for which you wish to make a claim, obtaining an incident reference number.

2. You must call your airtime-provider within 24 hours of discovering any incident to bar your SIM card, doing this will prevent any further unauthorised calls being made.

3. You must register a claim by contacting Customer Services on 0871 222 1130** within 48 hours of discovering any incident for which you wish to claim. Please have your mobile phone number to hand.

4. You must complete and return the claim form to us within 14 days of receiving it, ensuring that you have followed the procedure detailed on the claim documentation.

Please refer to section D and E of the Policy Document.

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IS MY MOBILE PHONE COVERED WILST 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

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*   £2.49/£27.39=Monthly/Yearly premiums based on a mobile phone up to the value of £150
** For our joint protection calls may be recorded and/or monitored. Calls will be charged at
     a maximum of 10p per minute from BT lines. Calls from non-BT lines may vary.
     Telephone lines are open Monday to Friday 9.00am - 5.00pm excluding public holidays.