Introduction
This is a summary of cover only. Full Terms, Conditions
and Exclusions
will be sent to you within 14 days.
Cooling off period - Time to reconsider after You apply
If having applied for this insurance you decide that you do not want the
insurance after all, simply return this document to the claims
administrator together with your request in writing, within
14 days of
purchasing the insurance, and all cover will be cancelled and your
premium refunded in full.
Definitions
The words and phrases defined below have the same meaning wherever
they appear in bold in this Evidence.
Insurer, We, Us, Our – This insurance is underwritten
100% by Lloyd’s
Syndicate 5000. Registered Office: 60 Gracechurch Street, London, EC3V
0HR, UNITED KINGDOM. Registered in England number 2190136. The
Lloyd’s Managing Agent for Lloyd’s Syndicate 5000 is St Paul Travelers
Syndicate Management Ltd. They are entered in the Register of Lloyd’s
Managing Agents and regulated by the Financial Services Authority,
entered under the FSA register under number 204960.
You, Your – the person who has purchased mobile phone
insurance as
described in this Evidence or a member of their immediate family over the
age of 16 (mother, father, son, daughter, spouse or domestic partner) who
permanently resides with them.
Master certificate holder – Phone Assure, Dominions
House, Queen
Street, Cardiff CF10 2AR.
Claims Administrator – Sheraton Services, 9 Grove Business
Park,
Atherstone-on-Stour, Stratford-Upon-Avon CV37 8DX Telephone:- 01789
451713.
Excess – the first £25.00 in respect of the first
claim and £40.00 in respect
of a second claim.
Mobile Phone – the single cellular telephone insured
by this Evidence and
detailed in the Schedule, purchased by you and provided by a supplier
approved by the master certificate holder, or any cellular
telephone
loaned to you by the master certificate holder, or approved
retailer.
Period of Cover – one calendar month from the date cover
is started
provided the monthly premium is paid, after the third month, and continuing
monthly thereafter as long as the monthly premium is paid.
Reasonable Precautions – all measures that it would
be reasonable to
expect a person to take in the circumstances to prevent or mitigate,
damage or theft of your mobile phone.
Unattended – not within your sight at all times and
out of your arms-length
reach.
Motor Vehicle – any car, van, truck, lorry or public
service vehicle (e.g.
train, bus, taxi etc).
Your mobile phone is covered for
A. Accidental Damage
We will pay repair costs if your mobile phone is damaged as the result of an
accident.
B. Theft
If your mobile phone is stolen we will replace
it. Where only part or parts of your mobile phone have been
stolen, we will only replace that part or parts.
Subject always to the terms and conditions within this Evidence.
Replacement
If the mobile phone cannot be replaced with an identical mobile
phone of the same age and condition, we will at our option
replace it with one of comparable specification.
Limit of Liability
Our liability for any claim shall not exceed the maximum
replacement value of your mobile phone, subject to a maximum
of £500 including VAT.
Your mobile phone is not covered for
1. Theft:
a) Unless reported to the appropriate police authorities within 24 hours of
the incident for which you must obtain a crime reference number lost property
numbers are not acceptable in support of a claim for theft.
b) from any motor vehicle where you or someone acting on your
behalf is not in the vehicle, unless all the vehicle’s windows, roofs
and doors are closed and locked and all security devices have been activated
and the mobile phone has been concealed in a:
· (Saloon Cars) – locked boot ; or
· (Hatchbacks) – concealed below rear parcel shelf ; or
· (Estate Cars) – spare wheel compartment ; or
· locked glove compartment or other locked internal compartment.
c) From your person or from under your control except where the use of physical
force or violence against you has been used or threatened or is recorded as
a crime by the police;
d) Where the mobile phone has been left unattended when
it is away from your home.
e) Mysterious or unexplained disappearance of your mobile phone
f) Where reasonable precautions have not been taken.
2. Theft from any building, land or premises unless force and violence, resulting
in damage to the building or premises, was used to gain entry or exit.
3. Theft or damage caused by:
a) you deliberately damaging, misusing or neglecting the mobile
phone;
b) you not following the manufacturer’s instructions;
c) routine servicing, inspection, maintenance or cleaning;
d) the use of accessories;
e) the serial or the IMEI or the ESN number having been tampered with in any
way;
f) mechanical or electrical breakdown.
4. Repair or other costs for:
a) routine servicing, installation, inspection, maintenance or cleaning;
b) loss caused by a manufacturer’s defect or recall of the mobile
phone;
c) replacement of or adjustment to fittings, control knobs or buttons, batteries
or aerials;
d) repairs carried out by persons not authorised by us;
e) wear and tear or gradual deterioration of performance.
5. Any consequential loss whatsoever or expense incurred as a result of not
being able to use the mobile phone, or any loss other than
the repair or replacement cost of the mobile phone.
6. The excess as defined in the Definitions section of this
policy.
7. Theft or damage to accessories of any kind.
8. Any loss or damage caused by or attributed to the operation of a software
virus or any other software based malfunction.
9. Loss or Damage if the original SIM card was not in the mobile phone at
the time of the loss, damage or theft.
10. Costs or payments recoverable from any party, under the terms of any other
contract, guarantee, warranty, or insurance.
Conditions and Limitations
1. Whilst the parties to this insurance are free to choose the law applicable
to it the Insurers propose the law of England and Wales and in the absence
of any other agreement, the law of England and Wales will be used.
2. This insurance only covers a mobile phone bought and used
in the United Kingdom. Cover is extended to include use of the mobile
phone anywhere in the world up to a maximum of 60 days in total, in
any single 12 month period, subject to any repairs being carried out in the
United Kingdom by repairers approved by us.
3. You must provide us, the master
certificate holder or the claims master certificate holder with
any receipts or proof of purchase, that it is reasonable to be requested.
4. This insurance may only be altered, varied or its conditions altered or
premium changed by one of our authorised officials, giving you 14
days notice in writing.
5. Either party may cancel the policy by giving you 30 day’s
notice in writing to the other. There is no refund of premium when you cancel
after the “cooling-off period” because premiums are paid month
by month so you will have only paid for the cover you have
already received.
6. This insurance is automatically cancelled:
a) if you do not pay the premium for this insurance;
b) if you submit a claim knowing it to be false, fraudulent
or a misrepresentation.
7. You cannot transfer this insurance to someone else or
to another mobile phone without our written permission. An administration charge
may be made for this.
8. You must take all reasonable precautions to
prevent any loss or damage.
9. This insurance will not be reduced by the amount of any claim unless we give
written notice to the contrary.
CLAIMS PROCEDURE
Please comply with the following procedures to obtain authorisation with the
minimum delay. Failure to observe these procedures may invalidate Your claim.
Theft
1. you must:
a) report the theft to the appropriate Police Authority within 24 hours of
discovery and obtain a crime reference number. Loss property reference numbers
are not acceptable in support of a theft claim;
b) report the theft of the mobile phone, within 24 hours of
discovery, to the Airtime Provider;
c) notify the claims administrator (Tel : - 01789 451713)
as soon as possible but in any event within 96 hours of any incident giving
rise to a claim under this insurance. You will be sent a claim form.
d) complete the claim form and return to the claims administrator,
within 28 days, together with a cheque for the excess;
e) provide the claims administrator with details of the claim
and any other contract, guarantee, warranty or insurance that may apply to
the claim including but not limited to household insurance. Where appropriate
a representative proportion of the claim may be recovered direct from these
contracts;
f) provide the claims administrator with such information
as we reasonably request regarding the mobile phone and/or
the incident giving rise to the claim including documentation supporting proof
of forced and violent entry and a police crime reference number.
2. If your mobile phone is returned or found you must
notify us and send it to us if we ask you to.
3. By signature of the application and/or claim form authorise the claims
administrator to approach any party such as the Police or your Airtime
Provider to obtain information regarding any incident giving rise to a claim
under this policy.
4. If you make a claim, it may prejudice such claim if any
information you supply is false, fraudulent or otherwise incorrect.
Accidental Damage
You must be in possession of the damaged mobile
phone.
You must notify the claims administrator
Tel : - 01789 451713
as soon as possible but in any event within 96 hours of any
incident giving rise to a claim under this insurance.
You will be sent a claim form. You should
complete the
claim form and return it within 28 days to the claims
administrator, together with a cheque or Postal Orders for
the excess. They will arrange with you for the mobile
phone to be returned for inspection for either repair or
replacement.
DATA PROTECTION ACT 1998
It is understood by you that any information provided to the
master certificate holder, the claims administrator and us
regarding you will be processed by the master certificate
holder, the claims administrator and us,
in compliance with the
provisions of the Data Protection Act 1998, for the purpose of
providing insurance and handling claims, if any, which may
necessitate providing such information to third parties.In addition
the master certificate holder will pass certain information
to the
claims administrator for the purpose of collection of your
monthly premium by direct debit.
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