Transcription
Mobile PhoneInsuranceTerms and Conditions
IntroductionImportant InformationYou must read this policy document and the certificate schedule together. Thecertificate schedule tells you the period during which the policy is in force, whatitems are covered, what level of cover applies to your insurance, and what excessapplies to your claims. Please check both documents carefully to make certain theygive you the cover you want.This policy consists of sections. These are accidental damage, accidental loss,breakdown, malicious damage, theft, accessories, E-wallet and unauthorised usage.Some of these sections are optional, you should read this policy in conjunction withyour certificate schedule which confirms the sections you are insured under.Please read both documents carefully and please be aware that if you do not complywith the policy conditions this may result in this policy being invalidated or affect theamount, we pay to you in the event of a claim.If any details in this policy are incorrect, please contact your scheme administrator assoon as reasonably possible. Please keep this policy and your certificate schedule ina safe place.This policy provides cover as detailed in your certificate schedule. The cover providedto you under this policy is subject to the terms, conditions and limitations which arelisted in this policy.This insurance is arranged by Insurance2go which is a trading name of LoyalInsurance Services Ltd.Loyal Insurance Services Ltd is authorised and regulated by the Financial ConductAuthority. Firm Reference No. 430316.This insurance is underwritten by UK General Insurance Limited on behalf of WatfordInsurance Company Europe Limited. Watford Insurance Company Europe Limited is aGibraltar based insurance company with its registered office at; P O Box 1338, First Floor,Grand Ocean Plaza, Ocean Village, Gibraltar.UK General Insurance Limited is authorised and regulated by the Financial ConductAuthority. Firm Reference No. 310101. You can check our details on the Financial ServicesRegister https://register.fca.org.uk/.Watford Insurance Company Europe Limited is authorised and regulated by theGibraltar Financial Services Commission under incorporation number 112869. This canbe checked by visiting the Gibraltar FSC website at https://www.fsc.gi/.As an insurance company authorised in Gibraltar, Watford Insurance Company EuropeLimited is permitted under the Financial Services and Markets Act 2000 (Gibraltar)Order 2001 to conduct business in the United Kingdom under FCA reference 714197. Youcan check this by visiting the Financial Services Register on the FCA website at https://register.fca.org.uk.I2G/CW/0920Page 1
Details about the extent of its regulation by the Financial Conduct Authority areavailable on request.Understanding this policyCertain words in this policy have specific meanings wherever they appear in this policy.These words are shown in bold italics and are explained in the ‘General Definitions’section of this policy.If you have any disability that makes communication difficult, please tell your schemeadministrator and they will be pleased to help you.If you purchase this policy on an annual basis, provided that you pay your premium,your cover under this policy starts on the policy start date as shown on yourcertificate schedule and runs for a period of twelve months. The annual premium youpay is confirmed at the time you purchase this policy or in the renewal notice that wesend to you prior to the renewal of this policy.If you purchase this policy on a monthly basis, this policy cover starts on the policystart date as shown on your certificate schedule and lasts for a period of one month.Provided you continue to pay your monthly premiums as and when they becomedue, cover under this policy will continue for further consecutive monthly periods.Your monthly premiums along with the due dates for payment are set out in yourcertificate schedule. Cover under this policy ends if you stop paying your monthlypremium and this policy will be cancelled by us in accordance with the ‘Cancellationafter the cooling-off period’ conditions section of this policy.Any premiums that are collected by direct debit will be collected by your schemeadministrator. Any other method of premium collection (other than direct debit) willbe collected by Insurance2go.This policy is administered by Citymain Administrators Limited who is your schemeadministrator and is authorised and regulated by the Financial Conduct Authorityunder registration number (FRN 306535).Your scheme administrator will help you with any questions you may have in relationto this policy, help you with any changes you need to make to this policy and will dealwith any claims which are made by you under this policy. Please also contact yourscheme administrator if any details in your certificate schedule are incorrect andthey will arrange for a replacement certificate schedule to be issued to you. You cancontact your scheme administrator at:Citymain Administrators Limited, 3000 Lakeside, North Harbour, Western Road,Portsmouth, PO6 3FQ.Telephone: 0333 999 7905 (local rate call).Email: info@citymain.comI2G/CW/0920 Page 2
Claims helplineIf you need to make a claim under this policy, please notify your schemeadministrator on their online claims portal, www.eclaimcity.co.uk or call 0333 999 7905(local rate call) as soon as reasonably possible following discovery of the incident.More details about what you need to do when making a claim and how the claimsprocess will work can be found in the section ‘How to make a claim’ of this policy.Cooling-off periodYou may cancel this policy for any reason within 14 days of receiving the insurancedocuments in relation to this policy. If you cancel this policy within this period, you willreceive a full refund of all premium paid provided that no claim has been made.Your responsibilityYou must take reasonable care to provide accurate and complete answers to all thequestions you are asked when you take out, make changes to, or renew this policy.You must notify your administrator as soon as possible if any of the information inyour policy documents is incorrect or if you wish to make a change to your policy.If you do not provide accurate and complete answers to the questions you are asked,or you fail to notify your administrator of any incorrect information or changes youwish to make, your policy may not operate in the event of a claim, we may charge youan addition premium, we may not pay any claim in full or your policy could be invalid.Changes that may affect your coverYou must tell us as soon as possible about any changes to the information youprovided when you purchased or renewed this policy, for example:Changing your mobile phoneThis is not an exhaustive list and any changes you tell us about may affect your coveror result in a change to your premium. If you are unsure whether a change may affectyour cover, please contact us.Certification of coverThis policy and your certificate schedule sets out the contract between you and us. Inreturn for the payment of your premium we will provide the insurance cover detailedin your policy schedule and this policy document, subject to the terms and conditions,and exclusions shown in this document for all claims occurring during the periodof insurance. We and your scheme administrator have entered into a separateagreement under which we have authorised your scheme administrator to issuethese documents to you on our behalf.I2G/CW/0920Page3
Eligibility for coverYou can purchase this policy provided that:(a)(b)(c)(d)you are a permanent resident in the United Kingdom;you are over the age of 18 years old at the time you purchase this policy;you own the mobile phone detailed on your certificate schedule;the mobile phone is no more than 36 months old in good condition and fullworking order when you purchase this policy; and not purchased from a retailor sales outlet situated outside the United KingdomGeographical areaThis policy covers a mobile phone bought and used in the United Kingdom. Cover isalso provided under this policy where you use your mobile phone anywhere in theworld.General DefinitionsWe use certain words and expressions in this policy which have a specific meaning.They have a specific meaning where they appear in bold italics in this policy and thecertificate schedule. Plural forms of the words defined in this policy have the samemeaning when used in the singular form.Accessoriesitems such as chargers, wireless chargers. protectivecases, carrying cases, headphones, wirelessheadphones and hands-free mounting kits butexcluding the SIM card which are used in conjunctionwith your mobile phone.Accidental Damageany damage, including damage caused by fire and/or liquid damage, caused to your mobile phone whichwas not deliberately caused by you or any otherperson.Accidental LossBreakdownwhere the mobile phone has been accidentally lost byyou and you are now permanently deprived of its use.the breaking or burning out of any part of your mobilephone whilst in ordinary use arising from internalelectronic, electrical or mechanical defects in yourmobile phone and which causes a sudden stoppageto your ability to use your mobile phone in the wayintended by the manufacturer of the mobile phone.I2G/CW/0920Page4
Certificate Schedulethe document provided to you following the purchaseof this policy by you which includes the details of yourmobile phone and which confirms your chosen level ofinsurance cover, your period of insurance, the limits ofliability under this policy and the excess payable.Cosmetic Damageany damage to your mobile phone that does notstop its normal function including but not limited toscratches, dents and discolouration.Economic Sanctionany sanction, prohibition or restriction under UnitedNations resolutions or the trade or economic sanctions,laws or regulations of the European Union, UnitedKingdom or United States of America.IMEI Numberthe international mobile equipment identity numberwhich is the unique identification number that will beused to identify the mobile phone.Immediate Familyyour husband, wife, civil partner, partner, parents,children, brothers or sisters who permanently residewith you.Insurance2Gothe trading name of Loyal Insurance Services Ltd andwhich is authorised by us to collect the premium duefrom you.Limit of Liabilitythe maximum we will pay in the event of a claim asdefined on your certificate schedule.Malicious Damagethe intentional or deliberate actions of any personother than you or your immediate family whichcauses damage to your mobile phone.Mobile Phoneyour handheld portable mobile telephone identifiedon your certificate schedule, purchased by you asnew and in full working order from a UK registeredcompany, as evidenced by an original proof ofpurchase or proof of exchange, which is no morethan 36 months old at the time of the purchase of thispolicy. This excludes accessories, car kits, personalisedring tones or graphics, downloaded material orsoftware which is stored on your mobile phone.Period of Insuranceis the period for which you are insured under this policyand which is confirmed on your certificate schedule.Proof of Exchangethe original document provided to you from either aretail outlet or a retailer website that evidences a likefor like exchange of your mobile phone.I2G/CW/0920Page 5
Proof of Purchasean original receipt and any other documentationrequired to prove your mobile phone was purchasedfrom a UK registered company and that it is ownedby you including the date of purchase, make, model,serial and IMEI number of your mobile phone, whereapplicable.Proof of Usageevidence from your network provider showing yourmobile phone has been in use since the policy waspurchased and up to the event giving rise to the claim.Reasonable Precautionsyou must not leave your property unattended if it is ina place where it is accessible to the general public. Wewill not pay any claims for property left unattended inpublicly accessible places. You must act as thoughyou are not insured.Scheme AdministratorCitymain Administrators Limited a company registeredin England and Wales with company number 3979666with a registered address of 3000 Lakeside, NorthHarbour, Western Road, Portsmouth, PO6 3FQ.Theft/Stolenmeans the unauthorised dishonest appropriationor attempted appropriation of the mobile phonespecified on your certificate schedule, by anotherperson with the intention of permanently depriving youUnattendednot within your sight at all times and out of your armslength reach.Unauthorised Usagecalls, texts and data downloads made by any personwithout your permission from your mobile phone.United KingdomEngland, Wales, Scotland and Northern Ireland.We, Us, OurUK General Insurance Limited on behalf of WatfordInsurance Company Europe Limited.Yearthe period of 12 calendar months commencing on andfrom the day you purchase this policy.You, Your, Yourselfthe person who owns the mobile phone covered bythis policy, as stated on your certificate schedule as‘the Insured’.I2G/CW/0920Page 6
What Is Covered?Some of these sections are optional, you should read this policy in conjunction withyour certificate schedule which confirms the sections you are insured under.Accidental DamageWe will repair or replace your mobile phone up to the limit of liability if it suffersaccidental damage. Where only part or parts of your mobile phone have beenaccidentally damaged, we will only repair or replace that part or parts.Accidental LossIf you selected the option to insure your mobile phone against accidental loss we willreplace your mobile phone in the event of accidental loss. Where only part or parts ofyour mobile phone have been accidentally lost, we will only replace that part or parts.If you have accidental loss cover this will be stated on your certificate schedule.BreakdownWe will repair or replace your mobile phone up to the limit of liability if it suffersbreakdown, provided that your mobile phone is returned to us. Please note that wewill only repair or replace your mobile phone if the breakdown occurs outside themanufacturer's guarantee period.Malicious DamageWe will repair or replace your mobile phone if there is malicious damage to yourmobile phone. Where only part or parts of your mobile phone have been maliciouslydamaged, we will only replace that part or parts.TheftIf you selected the option to insure your mobile phone against theft we will replaceyour mobile phone if it is stolen. Where only part or parts of your mobile phone havebeen stolen, we will only replace that part or parts. If you have theft cover this will bestated on your certificate schedule.AccessoriesIn the event of a claim being agreed by us in respect of your mobile phone wewill replace any accessories that have been accidentally damaged or maliciouslydamaged at the same time as your mobile phone up to a maximum value of 150.I2G/CW/0920Page 7
In the event that we agree a claim and you have selected the option to insure yourmobile phone against accidental loss or theft, we will replace any accessories thathave been accidentally lost or stolen at the same time as your mobile phone up to amaximum value of 150. If you have accidental loss or theft cover this will be statedon your certificate schedule.In the event that your scheme administrator agrees to replace your mobile phonefollowing a claim for a breakdown, accidental loss, accidental damage, maliciousdamage or theft, where your replacement mobile phone is not compatible with youraccessories, we will reimburse you for the costs of replacement accessories whichare compatible with your replacement mobile phone up to a maximum value of 150.e-Wallet ProtectionIf your mobile phone is accidentally lost or stolen and you selected the option toinsure your mobile phone against accidental loss or theft, we will refund the cost ofunauthorised transactions made from your Credit and/or Debit card via your mobilephone after it was accidentally lost or stolen, using an e-Wallet facility (providing aneWallet PIN has been set for all transactions) up to a maximum of 100.Unauthorised UsageIf your mobile phone is accidentally lost or stolen and you selected the option toinsure your mobile phone against accidental loss or theft, we will refund the cost ofunauthorised calls, messages and downloads made from your mobile phone after thetime it was accidentally lost or stolen up to a maximum of 1,000. Cover will only applyto unauthorised usage which occurs within 24 hours of discovery of the accidentalloss or theft of your mobile phone. In the event of unauthorised usage of your mobilephone following an occurrence of accidental loss or theft, itemised bills must beprovided to support your claim.If you have accidental loss or theft cover this will be stated on your certificateschedule. Cover for unauthorised usage will only apply if there is no protection fromsuch losses from your network provider.On claims for accidental loss and theft, cover for e-Wallet Protection andunauthorised usage will only apply if you contact your network provider as soon aspossible following discovery of the incident to place a call bar on your mobile phone.Important: Please note that this policy only provides mobile phone cover where yourmobile phone is fitted with an active functioning SIM. In the event of a claim you will berequired to produce proof of usage from your network provider showing the handsethas been in use since policy inception and up to the event giving rise to the claim.I2G/CW/0920Page 8
Policy LimitsLimit of liabilityOur liability, in respect of any one claim in relation to your mobile phone, will be limitedto the replacement cost of each mobile phone being claimed for and, in any event,shall not exceed the maximum liability as shown on your certificate schedule.Our liability in respect of any accessories will be limited to the replacement cost ofthose accessories subject to a maximum overall limit of 150.Our liability in respect of e-Wallet Protection is subject to a maximum limit of 100.Our liability in respect of unauthorised usage is subject to a maximum limit of 1,000.Policy excessThere is a policy excess applicable to your mobile phone in respect of every claim(this is the amount you must contribute towards your mobile phone that is subjectto a claim). This excess must be paid by you before we settle your claim. The excessamount applicable in respect of each claim covered under this policy is as shown onyour certificate schedule.What Is Not Covered?We will not cover the following:1.The policy excess.2.Any claim for a mobile phone not owned by you or where you cannot provideproof of purchase or proof of exchange.3.Any claim for theft of your mobile phone which is stolen from any motor vehicleunless the motor vehicle’s windows and doors have been closed and locked andall security systems have been activated with your mobile phone out of view inan enclosed storage compartment, boot or luggage space. A copy of the repair’saccount for damages to the motor vehicle must be supplied with any claim thatis made regarding the theft of your mobile phone from a motor vehicle.4.Any claim where you have not taken reasonable precautions to protect yourmobile phone.5.Any mobile phone claim where the proof of usage is not provided.6.Any unauthorised usage which results from circumstances other than a theft oras a result of your mobile phone being stolen.7.Any claim involving theft or malicious damage unless you have reported thincident to the appropriate authorities as soon as reasonably possible followingthe discovery of the theft or malicious damage and you have obtained anappropriate incident number.I2G/CW/0920Page 9
8.Any theft of your mobile phone from any premises, building, land or vehicleunless force resulting in damage to the building, premises or vehicle was used togain entry or exit.9.Any theft of your mobile phone left una
This insurance is arranged by . Insurance2go which is a trading name of Loyal Insurance Services Ltd. Loyal Insurance Services Ltd is authorised and regulated by the Financial Conduct . Authority. Firm Reference No. 430316. This insurance is underwritten by UK General Insurance Limited
