3 months free insurance offered by Mobile Phone World Limited

Why Insure
Cover and Costs
Terms & Conditions Guide

Why You Need To Insure Your Mobile Phone

According to statistics in excess of 100,000 mobile phones are lost and stolen every month, and in excess of 70,000 phones are reported damaged.

Over 40% of all car crimes are attributable to mobile phone theft. You need specialist cover.

Regular household, office or motor policies do not offer adequate protection.

If your phone is not covered its theft could result in you losing your business/personal phone number, and incurring costs for new equipment and new connection charges.

As well as running off with your phone a thief could run up your phone bill.

Can you afford to be without your mobile phone?

A common mistake is for people to believe that should they lose the phone or have it stolen then their contract is null and void. This isn't the case. Whether you have the phone in your possession or not, you are still liable for 12 months line rental.

Without insurance you have two options: keep paying the line rental for the remainder of the contract period or else replace the phone. When you sign a contract, networks subsidise the cost of the phone which keeps the price down. The networks will not replace the phone for the original price, leaving you with a bill for £450 or more.

When purchasing a phone customers should be made aware of the risks that may lay ahead.

1. Breakdown
2. Damage
3. Stolen
4. Water damage
5. Loss

Cover and Costs
Mobile Phone World Ltd (MPW Ltd) will provide insurance for your mobile phone/PDA for 3 months free of charge, subject to the terms and conditions and limitations shown below or as amended in writing by MPW Ltd. You will receive further details of your insurance policy by post within 21 days of receipt of your details and please note that you may cancel his insurance cover at any time after commencement.

What is covered?

• Water damage
• Theft
• Loss
• Fraudulent Call Cover**
• International Cover
• Extended Warranty
• Accidental Damage

**This insurance policy has been operating for the last 10 years.

In that time, in over 96,000 policies there have been fewer than 150 claims involving fraudulent calls, and less than 15 of these were in excess of £100.

Most insurance companies cannot offer any fraudulent call cover, due to new FSA regulations. Because MPW Ltd is fully FSA accredited and regulated they CAN offer proper fraudulent call cover.

Other companies do offer a higher amount than £100 fraudulent call cover, BUT they often only 'cover' calls made AFTER the phone has been reported stolen to the network - which is AFTER the network will de-activate the SIM card meaning that NO fraudulent call could be made! This means that these other companies' 'fraudulent call cover' is totally meaningless.

The MPW Ltd Fraudulent Call cover specifically states that it is for calls made once the phone is stolen BEFORE the phone is reported stolen to the network. This means that the MPW Ltd Fraudulent Calls cover actually does protect you!


Terms & Conditions Guide

If your Equipment is lost, stolen or damaged the Insurer will either:

        a) pay the cost of repairs by a qualified engineer authorised by the Insurer including reasonable labour charges
or
   b) replace your Equipment with an item of similar specification or at the Insurer’s choice pay you the equivalent value. 

If you are paying a monthly premium of £5.88 then the maximum replacement value we shall be liable for in respect of any single claim is £400.

If you are paying a monthly premium of £7.99 then the maximum replacement value we shall be liable for in respect of any single claim is £1000.

Note
If you make a successful claim within the three month free period, this insurance automatically becomes a twelve month contract beginning on the day that you bought your phone.

Your Bank details will be required to set up your free 3 months insurance and a direct debit will be set up for the fourth month. If for any reason your direct debit can not be setup for the fourth month we will attempt to contact you and in the event that we are still unable to set up your direct debit you may lose your cover. From the fourth month onwards your insurance will only continue if the monthly premium has been paid.

Exclusions
1.  Loss or Theft (in the instances outlined below):

• 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;

• 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 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 kind of damage whatsoever unless the damaged phone is provided for repair

5.  Any loss involving a SIM (subscriber identity module) card, Network card or Communicator whether it is stolen, damaged or used without authority.

6.  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 costs of the mobile phone/PDA.

Conditions
1.        Your application and declaration forms the basis of your insurance.

2.        Cover is only available if premiums are paid in advance.

3.        Premiums may be altered by giving you thirty days’ notice.

4.        You must take all reasonable steps to minimise the Insurer’s liability.

5.        In the event of loss, theft or damage you must complete and return a claim form to the Administrator as soon as possible. Any claim made after 30 days will invalidate your claim.

6.        Any change of phone must be notified. If the change of phone is not notified this will invalidate any claim.

7.        An excess of £25.00 will be charged against any successful claim. For all 3G phones an excess of £50.00 will apply.

Cancellation
Neither the Insurer nor the customer shall be bound to renew this Contract. Either party may at any time cancel the contract by registered/recorded letter to the other party. Such cancellation to take effect from the date of posting.  There is no minimum term for this insurance cover.

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.

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.

3 months free of charge – no charge or obligation for three months from the commencement of policy

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.

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.

We, us, our – UK Underwriting Ltd, on behalf of Primary Insurance Company Ltd
 

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, documents 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 you submit a claim knowing it to be false, fraudulent or a misrepresentation

- if we replace the mobile phone/PDA following a valid claim

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. If the Direct Debit is cancelled or unsuccessful 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, 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 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, 204 Cumberland House, 80 Scrubs Lane, London, NW10 6RF.  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 Norwich Union Insurance Ltd, 8 Surrey Street, Norwich, NR1 3NG.

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.

The above text is authorised by 2u.co.uk a trading name of Mobile Phone World Ltd who are authorised and regulated by the Financial Services Authority