GADGET INSURANCE

INTRODUCTION

DEFINITIONS

WHAT WE WILL COVER

1. Accidental Damage
   We will arrange a repair if your Gadget is damaged as the result of an accident.
2. Theft
   If your Gadget is stolen we will replace it. Where only part or parts of your Gadget have been stolen, we will only replace that part or parts.
3. Accidental Loss
   If you selected the option to pay an additional premium and insure your mobile phone, tablet or iPad for Accidental Loss then if you lose your mobile phone, tablet or iPad we will replace it. If you have cover for Accidental Loss this will be stated within your policy documents. Accidental Loss cover is only available on mobile phones, tablets and iPads
4. Breakdown
   Electrical breakdown which occurs outside of the manufacturers guarantee period. This cover is not available on laptops or computers.
5. Unauthorised Call/Data Use
   If your mobile phone is lost or stolen and is used fraudulently, we will reimburse you for the costs upon receipt of your itemised bill.

WHAT WE WILL NOT COVER (Exceptions)

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 Gadget 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. A copy of the repairer’s account for such damage must be supplied with any claim
   • from any building, land or premises unless force, resulting in damage to the building or premises, was used to gain entry or exit; A copy of the repairer’s account for such damage must be supplied with any claim
   • 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 Gadget 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 Gadget;
   • you not following the manufacturer’s instructions;
   • routine servicing, inspection, maintenance or cleaning;
   • the use of accessories;
   • if left on any motor vehicle roof, bonnet or boot;
3. Repair or other costs for:
   • routine servicing, inspection, maintenance or cleaning;
   • loss caused by a manufacturer’s defect or recall of the Gadget;
   • 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.
   • cosmetic damage of any kind.
   • loss or damage if the serial number has been tampered with in any way.
4. Any kind of damage whatsoever unless the damaged Gadget is provided for repair.
5. Any loss of a SIM (subscriber identity module) card.
6. Any expense incurred as a result of not being able to use the Gadget, or any loss other than the repair or replacement costs of the Gadget unless relating to unauthorised call use for your mobile phone up to the maximum value of £2500.
7. In the event that you make a claim, an excess fee applies which must be paid to us before your claim can be settled. This excess fee varies depending on the type of Gadget you have insured with us and the type of claim you need to make. The fees are set out below:
   If your claim is for a Gadget up to the value of £250 (when new) the excess fee is £25 for a theft or damage claim and £50 for an accidental loss claim.
   For any other Gadget the excess fee is £50 for a theft or damage claim and £75 for an accidental loss claim.
   If you make a claim within the first 3 months of your policy there will be an additional excess fee to pay of £25.
   Please see below for the No-Claims Bonus which may apply to you.
8. Any claim made, or any event causing the need for a claim to be made, that occurs within the first 14 days of the inception date of the policy.
9. Loss of or damage to accessories of any kind.
10. Any claim if the Gadget has not been used after the date the insurance has been purchased.
11. Accidental Loss where the circumstances of the loss cannot be clearly identified, i.e. where you are unable to confirm the time and place of the loss.
12. 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.
13. If a SIM card was not in your mobile phone at the time of the loss, damage or theft that was registered to you.
14. Reconnection costs or subscription fees of any kind.
    Please note: if you are insuring an item without SIM card capability, all exclusions relating to SIM cards are not applicable.
15. 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.
16. Nuclear Risk
    Damage or destruction caused by, contributed to or arising from:
    a. ionising 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.
17. Sonic Boom
    Damage or destruction directly occasioned by pressure waves caused by aircraft or other aerial devices travelling at sonic or supersonic speeds.
18. Loss of Data or Software
    Any loss of or damage to information or data or software contained in or stored on the Gadget whether arising as a result of a claim paid by this insurance or otherwise.
19. Any indirect loss or damage resulting from the event which caused the claim under this policy;
20. Liability of whatsoever nature arising from ownership or use of the Gadget, including any illness or injury resulting from it.
21. Value Added Tax (VAT) where you are registered with HM Revenue and Customs for VAT.

REPLACEMENT

1. This policy offers replacement only and is not a replacement as new policy. If the Gadget cannot be replaced with an identical Gadget 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 Gadget.
2. In the event of a valid claim resulting in the replacement of the Gadget, this policy will automatically cover the replacement Gadget.
3. If you pay for your insurance monthly and you make a claim you will be required to pay the premium for the minimum term (12 months before we can process your claim).

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 Gadgets bought and used in the UK, the Isle of Man and the Channel Islands. Cover is extended to include use of the Gadgets anywhere in the world up to a maximum of 90 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 Gadgets must be less than 18 months old, purchased as new, or if refurbished, purchased directly from the manufacturer, and with valid Proof of Purchase at inception of this Certificate. All Proofs of Purchase must include the make, model and serial number of the Gadget and must be in your name. The company the Gadget was purchased from must be a UK VAT registered company.
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 authorised officials, giving you 30 day’s 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 Gadgets 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.

NO-CLAIMS BONUS

CANCELLATION

CLAIMS PROCEDURE

1. You must:
   • notify Demo Insurance Ltd on 0844 555 5555 or email protected4u@demo.com 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 loss of any mobile phone or PDA, within 24 hours of discovery to your Airtime Provider and blacklist your handset;
   • report the theft or loss of any Gadgets to the Police within 48 hours of discovery and obtain a crime 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 ratable proportion of the claim may be recovered direct from these Insurers.
2. If we replace your Gadgets 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. Demo General Insurance Limited are an agent of Demo Original Insurance Limited and in the matters of a claim act on their behalf.

WARNING

CONSUMER INSURANCE ACT

COMPLAINTS

COMPENSATION SCHEME

DATA PROTECTION ACT 1998