MOBILE PHONES & GADGETS INSURANCE — COVER EXPLAINED

follow us on facebook
Follow us on facebook for all the latest info, deals and competitions.

We offer a range of insurance packages for all your devices from mobile phones and smart phones, iPhones and PDA's, to android tablets and laptops.



LEVELS

EssentialEssential PlusPremier
No. of gadgetsPremiumNo. of gadgetsPremiumNo. of gadgetsPremium
monthlyyearlymonthlyyearlymonthlyyearly
1£5.12£48.221£5.79£55.541£6.74£66.52
3£12.64£130.893£13.83£144.013£16.21£170.59
5£18.72197.835£21.41£227.525£23.30£248.72


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£2,000


WHAT WE WILL COVER

When you purchased this insurance policy you selected the Plan that was most suitable for you.
The level of cover provided under the Plan you selected will be confirmed in your Insurance Schedule.

  • 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.


WHAT WE WILL NOT COVER

  • 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 unauthorised 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.


WHERE THE COVER APPLIES

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.


PERIOD OF INSURANCE

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.


TYPES OF GADGETS WE INSURE

• iPhones.• Mobile phones.• Headphones.• Sat navs.
• Smartphones.• Mac books.• Kindle / ereaders.• Games consoles.
• Laptops.• PDA's.• Blue tooth headsets.• Ipods / mp3 players.
• Netbooks.• Ipads / tablets.• Video cameras.• Digital cameras.


This is a summary of the cover, for a full description, see the policy wording.