Mobile Phone Insurance
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Introduction
In return for the payment of your premium we will provide insurance for your mobile phone/PDA during the period of cover, as stated in the application, subject to the terms, conditions and limitations shown below or as amended in writing by us. This insurance is a monthly contract and is only in force if the monthly premium has been paid.

Your mobile phone is covered for

A. Accidental Damage
We will pay repair costs if your mobile phone or PDA is damaged as the result of an accident.
B. Theft
If your mobile phone or PDA is stolen we will replace it.
Where only part or parts of your mobile phone or PDA have been stolen, we will only replace that part or parts.
C. Loss
If you lose your mobile phone or PDA we will replace it. (Loss is defined as phone missing from last known whereabouts without proof of theft.)

Replacement
This policy offers replacement only and is not a replacement as new policy. If the mobile phone/PDA cannot be replaced with an identical mobile phone/PDA of the same age and condition, we will replace it with one of comparable specification or the equivalent value taking into account the age and condition of the original mobile phone/PDA.

What we will pay
If £5.88 Premium, the maximum replacement value for any single claim is £400.
If £7.99 Premium, the maximum replacement value for any single claim is £1000 ( All PDA's must be on the Executive level of cover.)

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 vehicle's windows and doors closed and locked and all security systems have been activated;
- from any type of transport except as permitted above; (The phone is covered on trains, planes etc, so long as you are it is not a commercial vehicle, i.e. if you are the driver.)

- from any building, land or premises unless force, resulting in damage to the building or premises, was used to gain entry or exit;( i.e if there was no break in but the phone had mysteriously disappeared. Not applicable if the phone is on your person.)
- from your control or the control of any member of your immediate family, 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 when it is away from your home.
- where reasonable precautions have not been taken.
2. Loss or damage caused by :
- you deliberately damaging or neglecting the mobile phone/PDA;
- not following the manufacturer's instructions;
- routine servicing, inspection, maintenance or cleaning.
- the use of accessories.
- if the serial, IMEI or ESN number has been tampered with in any way.
3. Repair or other costs for :
- routine servicing, inspection, maintenance or cleaning;
- loss caused by a manufacturer's defect or recall of the mobile phone/PDA;
- replacement of or adjustment to fittings, control knobs or buttons, batteries or aerials;
- repairs carried our by persons not authorised by us.
- wear and tear or gradual deterioration of performance.
4. Any loss involving a SIM (subscriber identity module) card, Network card or Communicator whether it is stolen, damaged or used without authority.
5. 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. The first £25 of each theft and accidental damage claim and the first £50 of each loss claim and the first £75 of each international claim.
7. 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/PDA is lost or stolen.
8. Any loss or damage caused by the 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. If the original SIM card was not in the mobile phone at the time of the loss, damage or theft. ( If a customer has a sim free phone, they just need to register any numbers they use with ourselves. Unlimited numbers can be registered.)
10. Reconnection costs or subscription fees of any kind.
11. The cost of replacing any personalised ring tones or graphics.
Please note: If you are insuring a PDA (without sim card capability), all exclusions relating to sim cards are non applicable.

Definitions
The words and phrases defined below have the same meaning wherever they appear in bold in this certificate.

Commercial vehicle - any vehicle used wholly or partly for commercial or business purposes or any other vehicle that is being used for commercial or business purposes at the time of any loss or damage to the mobile phone/PDA.
Excess - the amount that you have to pay of each claim.
Immediate family - your mother, father, son, daughter, spouse, domestic partner.
Mobile phone/PDA - the single cellular telephone insured by this certificate, purchased by you and provided by a supplier approved by us..
Period of cover - 1 (one) calendar month from the inception date, renewing monthly on the same day each month (the last day of the month will apply appropriately to each month) provided 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 loss, damage or theft of your mobile phone/PDA
Unattended - not within your sight at all times and out of your arms-length reach.
We, us, our - UK Underwriting.
You, you - the person, who owns the mobile phone/PDA as stated on the application from overleaf.

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, subject to any repairs being carried out in the UK by repairers approved by us.
3. You must provide us with any receipts or proof of purchase, that it is reasonable for us to request.
4. This insurance may only be altered, varied or its conditions altered or premium changed by one of our authorised officials, giving you 30 days notice in writing.
5. We may cancel the policy by giving you 30 days notice in writing. In the event of any claim you are responsible for the payment of any outstanding premium.
6. This insurance is automatically cancelled;
- if you do not pay the premium for this insurance
- if we replace the mobile phone/PDA following a valid claim
- if you submit a claim knowing it to be false, fraudulent or a misrepresentation
7. You cannot transfer the insurance to someone else or to 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. Your phone must be under 6 months old with a valid UK proof of purchase. If your phone is over 2 months old at the time of purchase of insurance, no claims can be made within the first 28days.
11. You will no longer be covered if your Direct Debit is unsuccessful at any given point. You will be notified and given 1 week to reinstate the Direct Debit. If your Direct Debit is not corrected, the insurance will be cancelled. No benefits or refund shall be due. This insurance cover is strictly contingent upon your successful Direct Debit.
12. If the insurance is cancelled at any given point no benefits shall be due whatsoever.

Claims procedure
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/PDA, within 12 hours of discovery, to the Airtime Provider and blacklist your handset.
- report the theft/loss to the Police within 24 hours of discovery and obtain a crime/loss reference number.
- provide us with details of the claim and any other contract, guarantee, warranty or insurance that may apply to the loss including but not limited to household insurance. Where appropriate a representative proportion of the claim may be recovered direct from these Insurers.
2. If we replace your mobile phone/PDA the damaged or lost item(s) 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 the terms and conditions of this insurance based on the first reason notified to us for the claim. If your claim is not covered and you then submit a claim having changed the reason we consider this as fraud. Details of all such cases will be passed to appropriate agencies for action.

We are proud of our reputation for faireness in our treatment of our customers.
However, occasionally disputes or misunderstandings can arise.

Any enquiry or complaint you have regarding your Policy should be addressed to The Customer Services Director, Mobile phone Supercover Ltd., 15 Old Oak Common Lane, London, W3 7EL. You should provide details of your policy and in particular, your policy number, to help with the speedy handling of your enquiry.

If the matter is not resolved to your satisfaction, or you are still not satisfied, please write to:

UK Underwriting, on behalf of Primary Insurance Company Ltd, 2 Gibraltar House, Bowcliffe Road, Off Gibraltar Island Road, Leeds, LS10 1RJ

If the matter is not resolved to your satisfaction, you can then refer the dispute to
The Financial Ombudsman Services:
South Quay Plaza
183 Marsh Wall
London
E14 9SR

Any references to any of the above will not affect your right to take legal proceeding.

Don't Forget - No Claims Bonuses

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 24months no claims you can claims a free upgrade. This will be to the value of your initial investment, subject to signing a 12 mth agreement with a network and Mobile Phone Supercover Ltd and the return of your original working handset.

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