MOBILE PHONE
INSURANCE TERMS AND CONDITIONS
NOTE: This insurance covers mobile phones.
 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. If it cannot be repaired or if we decide it is not economical to repair, we will replace it.
B. Theft
· If your mobile phone is stolen we will replace it
· If part or parts of your mobile phone 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 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 of £400 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 Warrantee
If your phone breaks down 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 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.
Replacement
If you mobile phone cannot be replaced with an identical model phone, we will replace it with one of equivalent specification or of equivalent value
What we will cover
The most we will pay for any single claim is £400. This amount being the price of the unit without connection (PWC)
Your
mobile phone 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 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 has
been left
unattended
2 Loss or damage caused by:
You deliberately damaging or neglecting the mobile phone;
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;
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, or
any loss other than the repair or replacement cost of the mobile
phone 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.
7 Accessories. Loss of or damage to accessories of
any kind unless they are stolen while attached to the mobile
phone at the same time as the mobile phone 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.
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
bought and used in the UK, the Isle of Man and The Channel
Islands. 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. 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
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 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 3
months old with valid proof of purchase
Claims Procedure
Contact 2U Insurance on 0871 220 50 55.
1. You must;
· Notify us as soon as possible but in any event within 48 hours
of any claim under this insurance.
· Report the theft/loss of the mobile phone within 12 hours of
discovery to the Airtime Provider and within 24 hours 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 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,
- 2U Insurance,
- Mobile Phone World Ltd,
- 1-3 Camberwell Church St,
- Camberwell,
- London,
- SE5 8TR.
If the matter is not resolved to your satisfaction, or you are
still not satisfied, please write to the Chairman & Chief
Executive at our head office:
Special Risk Division,
National Insurance & Guarantee Corporation Ltd (NIG),
Crown House,
145 City Road,
London,
EC1V 1LP
Tel 020 7623 5280, Fax 020 7220 2451
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
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