PAY AS YOU GO MOBILE PHONE INSURANCE FREQUENT QUESTIONS

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

WHAT'S COVERED?

One pay-as-you-go mobile phone and SIM card, which is owned by you or is your responsibility, up to the lower of, the maximum original retail cost or the value stated on your certificate. The mobile phone is identified by the IMEI number and mobile phone number
The cost of replacing your phone as a direct result of theft
The cost of repairing your phone (or replacing it if your phone cannot be repaired) as a direct result of accidental damage, water or liquid damage or malicious damage
The cost of repairing your phone (or replacing it if your phone cannot be repaired) where damage is a result of electrical or mechanical breakdown
Accessories originally supplied with the phone and subject to the same incident as your phone up to a value of £50 per claim
Your phone wherever you are in the world, repair or replacement will be arranged upon your return to the UK
One approved claim or a period of twelve months from the start date of your policy, whichever occurs first. The start date of your policy appears on your certificate
Phones, which have a primary use for the making and receiving of, telephone calls, SMS text messages and data. We do not cover PDA type devices. Please see the definition of mobile phone/phone in section A. If you are unsure as to whether your handset can be covered please contact us.
Full details can be found in section C of the Policy Document.

WHAT COVER OPTIONS ARE AVAILABLE?

We offer three levels of cover

Phones up to £75
Phones up to £150
Phones up to £200

TYPES OF PHONE COVERED

PAYG Mobile Phones, which have a primary use for the making and receiving of, telephone calls, SMS text messages and data. We do not cover PDA type devices.

WHAT'S COVERED?

Your pay-as-you-go mobile phone, SIM card and accessories are insured for:

Accidental damage to your PAYG Mobile Phone
Theft of your PAYG mobile phone
Damage as a result of electrical or mechanical breakdown
Malicious damage
Water or liquid damage

WHERE & FOR HOW LONG DOES COVER APPLY?

WHERE DOES COVER APPLY?
World Wide Cover: Your PAYG mobile phone is covered wherever you are in the world
HOW LONG DOES COVER APPLY FOR?
The policy is valid for 12 months from the start of your policy, or until you have made a successful claim, whichever occurs first.

WHAT COVER LIMITS & EXCLUSIONS APPLY TO THE POLICY?

SUM INSURED
Your PAYG Mobile Phone is covered up to the sum insured selected and shown on your certificate. We offer three levels of cover

Phones up to £75
Phones up to £150
Phones up to £200

EXCLUSIONS

Loss of your phone
The policy excess of £20 if your claim is accepted
Theft of your phone from an unattended motor vehicle, unless secured in the glove box or locked boot
Theft of your phone from an unattended building or premises, unless evidenced damage was caused in gaining entry to, or exit from, the premises
Theft of your phone if it has been left accidentally or deliberately in a public place or a place to which others have access
Theft or damage to your phone if it has been passed to someone else other than a family member
Phones which have not been registered by you with us
Any incident which occurs within the first 21 days after you purchase the policy or change the phone already registered

IS MY PHONE COVERED AGAINST ACCIDENTAL DAMAGE?

Yes. Accidental damage cover applies for the following perils:

Accidental damage: The cost of repairing or replacing your mobile phone.
Malicious damage: The cost of repairing or replacing your pay as you go mobile phone.
Water or liquid damage: The cost of repairing or replacing your pay as you go mobile phone.
Damage from electrical or mechanical breakdown: The cost of repairing or replacing your mobile phone.

HOW DO I ARRANGE COVER?

HOW TO APPLY: PAYG MOBILE PHONE INSURANCE
Instant cover is available online or by phoning us on the number below.
Whichever way you choose to take out your policy, as soon as you've paid, you're instantly covered.
BUY SECURELY ONLINE AND SAVE MONEY
Save money on your Mobile Phone Insurance policy by buying securely online.
Phone purchases are subject to an administration fee of £5.00
PHONE US: 0871 226 3905
Monday to Friday: 9:00am - 5:00pm. For our joint protection, calls may be recorded and monitored.
EMAIL A QUERY
We're here to help, and are always happy to answer any queries that you may have about our products and services. Click here to ask a question

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.

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.

WHO INSURES ME?

PAYG Mobile Phone Insurance is arranged by UK & Ireland Insurance Services (Online) Limited (FSA Register No. 312248), administered by Lifestyle Services Group Limited (FSA Register No. 315245) with a single provider, London General Insurance Company Limited (FSA Register No. 202689).
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 0845 606 1234.
UK & Ireland Insurance Services (Online) Limited
Registered office: Old Lloyds Chambers, 139 Manchester Road, Broadheath, Altrincham, Cheshire, WA14 5HY
Registered in England, Registered No. 4239415
Lifestyle Services Group Limited
Registered office: Unit 12 Crewe Hall Enterprise Park, Weston Road, CREWE, Cheshire, CW1 6UE.
Registered in England, Registered No. 5114385
London General Insurance Company Limited
Registered office: Combined House, 15 Wheatfield Way, KINGSTON UPON THAMES, Surrey, KT1 2PQ.
Registered in England, Registered No. 1865673

HOW DO I MAKE A CLAIM?

Should you need to register a claim in respect of your mobile phone, 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 0870 143 0402* 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.