Mobile Entertainment
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* The Economy policy covers any PSP up to the retail value of £150. This insurance is arranged by Supercover Insurance Plc and underwritten by Equity Red Star. Equity Red Star is managed by Equity Syndicate Management Limited, which is authorised and regulated by the Financial Services Authority. Equity Syndicate Management Limited is registered in England number 426475. The registered address is at Library House, New Road , Brentwood, Essex , CM14 4GD Supercover Insurance Plc is authorised and regulated by the Financial Services Authority. You can visit the Financial Services Authority website, which includes a register of all regulated firms at www.fsa.gov.uk/register or by contacting them on 0845 606 1234.
INTRODUCTION In return for the payment of your premium we will provide insurance for your electronic equipment during the period of cover as stated in the application form overleaf, subject to the terms, conditions, and limitations shown below or as amended in writing by us. For monthly insurance policies this is a monthly contract and is only in force if the monthly premium has been paid. For policies of a longer duration premium must be paid at inception and the policy will remain in force for the period shown on your Letter of Introduction and will remain in force until the period expires or is cancelled in accordance with Conditions and Limitations 5, 6 or the section headed Cancellation.
DEFINITIONS The words and phrases defined below have the same meaning wherever they appear in bold in this certificate. Accidental loss means that the electronic equipment has been accidentally left by you in a location and you are permanently deprived of its use. 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 electronic item. Electronic equipment the single item insured by this certificate, purchased by you and provided by a supplier approved by us . Immediate family your mother, father, son, daughter, spouse, domestic partner. Period of cover for monthly policies 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. For policies of longer duration the period is specified in your Letter of Introduction. Reasonable precautions all measures that it would be reasonable to expect a person to take in the circumstances to prevent accidental loss, damage or theft of your electronic equipment . Terrorism means any act of any person or organization involving, causing or threatening harm or putting the public or any section of the public in fear if it is likely that the purpose is of a political, religious, ideological (of an intellectual or rational nature) or similar nature. Unattended not within your sight at all times and out of your arms-length reach. We, us, our Equity Red Star. You, your the person, who owns the electronic equipment as stated on the application form overleaf.
WHAT WE WILL COVER A. Accidental Damage We will pay repair costs if your electronic equipment is damaged as the result of an accident. B. TheftIf your electronic equipment is stolen we will replace it. Where only part or parts of your electronic equipment have been stolen, we will only replace that part or parts. C. Accidental Loss If you lose your mobile phone or PDA we will replace it. No other electronic equipment is insured for loss. D. Breakdown which occurs outside of the manufacturers guarantee period. This cover is not available on computers.
WHAT WE WILL NOT COVER Your electronic equipment is not covered for: 1. Theft: from any commercial vehicle , convertible or soft top vehicle; from any motor vehicle where you or someone acting on your behalf is not in the vehicle, unless the electronic equipment 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; if left on any motor vehicle roof, bonnet or boot; 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 , 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 electronic equipment has been left unattended when it is away from your home ; where reasonable precautions have not been taken; if the serial number has been tampered with in any way. 2. Loss or damage caused by: you deliberately damaging or neglecting the electronic equipment ; you not following the manufacturer's instructions; routine servicing, inspection, maintenance or cleaning; the use of accessories. 3. Repair or other costs for: routine servicing, inspection, maintenance or cleaning; loss caused by a manufacturer's defect or recall of the electronic equipment ; 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 kind of damage whatsoever unless the damaged electronic equipment is provided for repair. 5. Any loss involving a SIM (subscriber identity module) card. 6. Any expense incurred as a result of not being able to use the electronic equipment , or any loss other than the repair or replacement costs of the electronic equipment . 7. The first £25 of each theft or accidental damage claim or the first £50 of each accidental loss claim or the first £75 of each claim which occurs outside the UK , Isle of Man and Channel Islands . 8. Loss of or damage to accessories of any kind. 9. 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. 10. If the original SIM card was not in a mobile phone at the time of the loss, damage or theft. 11. Reconnection costs or subscription fees of any kind. 12. The cost of replacing any personalised ring tones or graphics, downloaded material or software. 13. The cost of any unauthorised calls following the theft, accidental loss or damage of a mobile phone or PDA. Please note: if you are insuring an item without SIM card capability, all exclusions relating to SIM cards are not applicable. 14. War Risk Terrorism , war, invasion, acts of foreign enemies, hostilities whether war is declared or not, civil war, rebellion, revolution insurrection, military or usurped power, confiscation, nationalism or requisition or destruction or damage to property by or under the order of any government or public or legal authority. 15. Nuclear Risk Damage or destruction caused by, contributed to or arising from: a. ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel; or b. the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or component thereof. 16. Sonic Boom Damage or destruction directly occasioned by pressure waves caused by aircraft or other aerial devices traveling at sonic or supersonic speeds. 17. Loss of Data or Software Any loss of or damage to information or data or software contained in or stored on the electronic equipment whether arising as a result of a claim paid by this insurance or otherwise. 18. Consequential Loss Any consequential loss or damage arising from accidental damage, theft, accidental loss , breakdown or from any cause whatsoever. 19. Liability of whatsoever nature arising from ownership or use of the electronic equipment, including any illness or injury resulting from it. 20. Value Added Tax (VAT) where you are registered with HM Revenue and Customs for VAT.
REPLACEMENT This policy offers replacement only and is not a replacement as new policy. If the electronic equipment cannot be replaced with an identical electronic equipment 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 electronic equipment.
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 electronic equipment bought and used in the UK , the Isle of Man and the Channel Islands . Cover is extended to include use of the electronic equipment 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 . The electronic item must be less than 6 months old (excluding Laptops which must be less than 14 days old) with valid proof of purchase (not from online auctions) when the policy is started. 4. You must provide us with any receipts, documents or proof of purchase, that it is reasonable for us to request. 5. This insurance may only be altered, varied or its conditions altered or premium changed by one of our authorized officials, giving you 30 days notice in writing. 6. 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. 7. You cannot transfer the insurance to someone else or to any other electronic equipment 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, guarantee, warranty, or insurance. 10. In respect of monthly policies if the Direct Debit premium payment is cancelled or unsuccessful at any given point, no benefits shall be due whatsoever.
CANCELLATION Your right to change your mind You may cancel the insurance, without giving reason, by sending us written notice and returning the insurance documents within 14 days of it starting of (if later) within 14 days of you receiving the insurance documents. We will make a charge equal to the period of cover you have had, but this charge will be at least 50% plus the insurance premium tax.
Cancellation after the withdrawal periodIf you wish to cancel your insurance and pay monthly you can do so in writing allowing one months notice. For policies of longer duration you are only entitled to cancel within 14 days of receiving your policy documents.
CLAIMS PROCEDURE 1. You must: notify Supercover Insurance Plc on 0871 222 1130 as soon as possible but in any event within 48 hours of any incident likely to give rise to a claim under this insurance; report the theft or accidental loss of any mobile phone or PDA , within 12 hours of discovery to your Airtime Provider and blacklist your handset; report the theft or accidental loss of any electronic equipment to the Police within 24 hours of discovery and obtain a crime reference number in support of a theft and a lost property number in support of an accidental loss claim; 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 ratable proportion of the claim may be recovered direct from these Insurers. 2. If we replace your electronic equipment 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. To help us improve our service we may record or monitor telephone calls.
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.
COMPLAINTS 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 you have regarding your policy should be addressed to The Customer Services Director, Supercover Insurance Plc., 204 Cumberland House, 80 Scrubs Lane, London, NW10 6RF. You should provide details of your policy and in particular, your policy reference number, to help with the speedy handling of your inquiry. In the event you remain dissatisfied please write to the Chief Executive of Equity Red Star. The address is:Equity Red Star52 Leadenhall Street After this action, if you are still not satisfied with the way a complaint has been dealt with , you may ask the Complaints Department at Lloyd's to review your case. The address is : Complaints DepartmentLloyd'sOne Lime Street London EC3M 7HA Phone: 020 7327 5693 Having followed this procedure your complaint can be referred to the Financial Ombudsman Service (FOS). The address is: South Quay Plaza183 Marsh Wall Tel: 0845 080 1800 ( These procedures do not affect your right to take legal action if necessary.)
COMPENSATION SCHEME Equity Redstar Services Limited is covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme, if they cannot meet their obligations. This depends on the type of business and the circumstances of the claim. Most insurance contracts are covered 100% of the first £2.000 and 90% of the remainder of the claim. You can get more information about compensation scheme arrangements from the FSCS.
MOBILE PHONES ONLY we will offer you a free battery subject to no claims being made within the first 12 month period of cover. 12 consecutive monthly premiums must be paid. The free upgrade is subject to no claims being made within a 24 month period. 24 consecutive monthly premiums must be paid on time. The free upgrade offer is also subject to signing a new 12 month agreement with your service provider and the return of your original handset. If you are not able to upgrade with your service provider, you will not be eligible to receive the free upgrade. These upgrade offers do not form part of your insurance contract with Equity Red Star. If you have any questions or complaints about the upgrade or battery offers, please contact Supercover Insurance Plc, 204 Cumberland House, 80 Scrubs Lane , London , NW10 6RF .
Additional information from Supercover Insurance Plc What does the policy cover for? Theft (inc unattended theft from a secure vehicle or premises), Loss (mobile phones & PDA's only), Accidental Damage (inc water damage), International Cover, 48hr Replacement + FREE no claims bonuses What Are The Main Exclusions? Unattended, deliberate damage, failing to report the lost / damage to the appropriate authorities, Loss (on all products except mobile phones & PDA's) and £25 Excess fee. Why Insure? We rely on our every day items such as mobile phones, and sat navs more and more each day, to the point where we are literally lost without them. And with constantly improving technology comes an increasing replacement cost. Supercover gives you Peace of Mind . If the worst should happen within 48 hours a replacement item will be with you less the price tag! What does Supercover Insurance Insure?
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