Mobile Phone Insurance Terms and Conditions

• If your mobile phone/PDA is stolen we will replace it
  
• If part or parts of your mobile phone/PDA are stolen we will replace that part or those parts. If a replacement part is not available we will replace it.
  
  C. Loss
  If you lose your mobile phone/PDA we will replace it. Loss is defined as phone missing from last known whereabouts, without proof of theft.
  
  D. Fraudulent Calls
  We will cover you for the cost of fraudulent calls made on your phone after it was stolen, and before it was reported as stolen to the Police and the network provider (who will then block the phone), so long as this is within 12 hours of the phone being stolen. We will cover you for calls up to the value of £100. This is in addition to the maximum per claim.
  
  E. International Cover
  You are covered for up to 60 days outside of the UK, anywhere in the world, so long as your phone was purchased in the UK.
  
  F. Extended Warantee
  If your phone breaksdown through normal use, we will repair it.
  
  G. Water Damage
  If you phone suffers water damage, we will pay repair costs, if your mobile phone/PDA is damaged as the result of an accident. If it cannot be repaired or if we decide it is not economical to repair, we will replace it.
  
  * Business Customers please note, the mobile phone/PDA is insured for use with ANY member of staff.
  
  Replacement
  If you mobile phone/PDA cannot be replaced with an identical model phone, we will replace it with one of equivalent specification or of equivalent value at the time of the claim.
  
  What we will cover
  Standard Policy: Your premium is £5.88, the maximum replacement value for any single claim is £400. This is NOT for PDA's.
  Executive Policy: If your premium is £7.99, the maximum replacement value for any single claim is £1000. ALL PDA's must be on the Executive Cover.
  To see which policy your phone needs to be covered under click for details
  
  Your mobile phone/PDA is not covered for
  1 Loss or theft:
  
• From any commercial vehicle, convertible or soft topped vehicle;
• From any motor vehicle where you or someone acting on your behalf is not in the vehicle, unless the mobile phone/PDA has been concealed in a locked boot, locked glove compartment or other locked internal compartment and all the vehicles security systems have been activated;
• From any type of transport except as permitted above;
• From any building, land or premises unless force, resulting in damage to the building or premises, was used to gain entry or exit;
• From your control or the control of any member of your immediate family who has the mobile with your permission, except where it has been concealed either on or about the person and not left unattended, or the use of physical force or violence against the person has been used or threatened;
• Where the mobile phone/PDA has been left unattended
  2 Loss or damage caused by:
  
• You deliberately damaging or neglecting the mobile phone/PDA;
• Not following the manufacturers instructions;
• Routine servicing, inspection, maintenance or cleaning;
• The use of accessories
• If the serial number, also known as the IMEI have been tampered with or warranty seal broken;
  3 Repair or other costs for:
  
• Loss caused by a manufacturers defect or recall of the mobile phone/PDA;
• Replacement of or adjustment to fittings, control knobs or buttons, batteries or aerials;
• Repairs carried out by persons not authorised by us;
• Wear and tear or gradual deterioration of performance
  4 SIM. Any loss involving a SIM card whether it is stolen, damaged or used without authority.
  5 Loss of business. Any expense incurred as a result of not being able to use the mobile phone/PDA, or any loss other than the repair or replacement cost of the mobile phone/PDA unless relating to unauthorised calls up to a maximum of £100.
  6 Excess. The first £25 of each theft/repair claim, £50 of each loss claim, and £75 of each international claim .
  7 Accessories. Loss of or damage to accessories of any kind unless they are stolen while attached to the mobile phone/PDA at the same time as the mobile phone/PDA is lost or stolen.
  8 External electrical cause Any loss or damage caused by failure of any electrical or computer equipment, software, micro-controller, microchip, accessories or associated equipment to correctly recognise and process any calendar date or time.
  9 Original SIM. If the original SIM was not in the handset at the time if the incident
  10 Reconnection costs. Costs of reconnection or subscription fees of any time.
  11. The cost of replacing any personalized ring tones or graphics
  
  Conditions and limitations
  1. Unless we have agreed differently with you, English law and the decisions of English courts will govern this insurance.
  2. This insurance only covers a mobile phone/PDA bought and used in the UK, the Isle of Man and The Channel Islands. Cover is extended to include use of the mobile phone/PDA anywhere in the world up to a maximum of 60 days in total, in any single 12 month period. Theft must be reported to the local police within 24 hours, and reported to the Service Provider within 12 hours, of discovery of the loss. If the mobile phone/PDA is damaged any repairs must be carried out in the UK by repairers approved by us. You must pay the first £75 of any claim for any theft, loss or damage under this extension.
  3. You must provide us with any receipts or proof of purchase, that it is reasonable for us to request.
  4. This insurance may be altered, varied or its conditions altered or premium changed by one of our authorised officials, giving you 30 days notice in writing after the initial minimum 3 months.
  5. We may cancel the policy by giving you 30 days notice in writing.
  6. This insurance is automatically cancelled if
  -You do not pay the premium for this insurance
  - you submit a claim knowing it to be false, fraudulent or a misrepresentation.
  7. You cannot transfer the insurance to someone else or another mobile phone/PDA without our written permission.
  8. You must take all reasonable precautions to prevent any loss or damage.
  9. Cover excludes costs or payments recoverable from any party, under the terms of any other contract, guarantees, warranty or insurance.
  10. 2U Insurance insures phones up to 6 months old with valid UK proof of purchase. If a phone is older than 2 months, no claims can be made for the first 28 days.
  11. You will no longer be covered if your Direct Debit is unsuccessful at any given point. You will be given 1 weeks notice to reinstate the Direct Debit fully. You will be notified by email, post or telephone should this occur, to allow you to correct the details and continue your phone protection. If the Direct Debit is not corrected after this 1 week period the insurance will be cancelled immediately, and no refund will be available. This insurance cover is strictly contingent upon your successful Direct Debit. No refund will be given as a result of failed Direct Debit
  12. The normal 2U Purchase Terms & Conditions apply where applicable, specifically regarding returns and cancellations. Click for details
  
  Claims Procedure
  Contact us on 08707 607 687 .
  1. You must;
  · Notify us as soon as possible but in any event within 48hours of any claim under this insurance.
  · Report the theft/loss of the mobile phone/PDA within 12hours of discovery to the Airtime Provider, and have the phone blacklisted, and within 24hours of discovery to the Police to obtain a crime/loss reference number.
  · Provide us with details of the claim and any other contract, guarantee, warranty or insurance that may apply including but not limited to household insurance. Where appropriate a proportion of the claim may be recovered direct from these Insurers.
  2. If we replace your mobile phone/PDA the damaged or lost item becomes ours. If it is returned or found, you must notify us and send it to us if we ask you to.
  
  WARNING
  We will process your claim under these terms and conditions contained within this policy relating to the reason first notified to us for the claim. If your claim is not covered and you then submit a claim having changed the reason, this could be considered as fraud.
  
  Complaints Procedure
  We are proud of our reputation for fairness in our treatment of our customers. However occasionally disputes or misunderstandings can arise.
  Any enquiry or complaint should be addressed to The Customer Services Director, UK Underwriting Ltd, on behalf of Primary Insuarnce Company Ltd. 2 Gibraltar House Bowcliffe Road Off Gibraltar Island Road Leeds LS10 1RJ
  If the matter is still not resolved to your satisfaction, you can then refer the dispute to the Financial Ombudsman Service, whose address is
  South Quay Plaza
  183 Marsh Wall
  London E14 9SR
  
  Please note, if you are insuring a PDA (without SIM card capability) all exclusions relating to SM Cards are non-applicable.
  
  Free Replacement Battery – After only 12 months no claims, you can apply for a free replacement battery for your phone worth up to £82.
  Free Upgrade – After 24 months no claims you can claim a free upgrade – The upgrade will be to the value of your initial investment, subject to signing a 12 month agreement with Mobile Phone Supercover and your network provider, and the return of your original handset. This is for contract phones only.
  

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