Confirmation of Your Insurance Cover

LOYAL INSURANCE TRADING AS INSURANCE 2 GO DIGITAL CAMERA INSURANCE POLICY SUMMARY THIS IS IMPORTANT INFORMATION YOU SHOULD READ

This Policy Summary does not contain the full Terms and Conditions of the Insurance, these can be found in the Policy Document (entitled “Certificate of Digital camera Insurance”).

Your Insurer
This Digital Camera Insurance Cover is underwritten 100% by Lloyd’s Syndicate 5820. Registered in England number 04434499. Registered Office: Jubilee Managing Agency Limited, Sidcup House, 12-18 Station Road, Sidcup, Kent DA15 7EX. Jubilee Managing Agency Limited is authorised and regulated by the Financial Services Authority and is entered on their register under number 226696.

Types of Insurance & Cover
The digital camera is covered up to the retail value as referenced in your payment confirmation letter. The maximum liability shall not exceed £500 including VAT. Your cover is against Theft and Accidental Damage. The digital camera must be less than 6 months old at the time of purchasing the insurance as evidenced by the relevant proof of purchase.

Significant Features & Benefits
The insurance covers your digital camera against the above risks whilst being used in the United Kingdom (and World-wide for a maximum of 30 days in any one year) by you as the person who purchased it or your spouse or partner or any of your children, brothers, sisters (all over the age of 18) and parents permanently residing with you.

Significant and Unusual Exclusions or Limitations
Like all policies, there are some things this insurance does not cover. Importantly these include: inappropriate use, any claim arising from abuse or wear and tear or gradual deterioration or breakdown of the digital camera, cosmetic damage to the digital camera, loss of the digital camera, any other costs that are caused by the incident, claims not accompanied by a Crime Reference Number, any claim made in excess of 48 hours of discovering the incident or from return to the UK where the incident occurred outside of the UK, and any claim where the user is under the age of 18. There is an excess on each and every claim as detailed in the Policy Document. The digital camera must be less than 6 months old at the time of purchase of the insurance as evidenced by the relevant proof of purchase. The maximum liability for any claim cannot exceed replacement value of your digital camera up to a maximum of £500.00 including VAT. Theft claims will not be paid unless reported to the appropriate local Police authorities and your Network within 24 hours of discovering the incident and, if the theft is from an unattended vehicle, unless the vehicle is locked and the digital camera is completely hidden from view in a glove compartment or boot, from unoccupied premises unless there is evidence of forced entry, from the person unless force, pickpocketing or threat of violence is used or if the theft or loss is in a public place if you leave the product unattended. You are required to take all reasonable precautions to protect the digital camera against theft and damage.

If you require more information about these, or other exclusions and limitations you should read the Policy Document which is printed overleaf, particularly the sections headed Exclusions & General Exclusions. Please ensure you read these carefully and familiarise yourself with them.

Duration of Insurance & Right to Cancel
The insurance you have purchased shall be on an annual basis as specified below and as confirmed in your Certificate schedule. The annual premium, including any Insurance Premium Tax will be collected by Credit/Debit Card at the time of purchase or renewal for a period of twelve months:

Group 1 – up to £150.00 - £29.99
Group 2 - £151.00 to £250.00 - £39.99
Group 3 - £251.00 to £350.00 - £64.99
Group 4 - £351.00 to £500.00 - £79.99

You may cancel your insurance at any time and cover will terminate at the end of the period for which you have paid your premium (please refer to the Cancellation details under Section 5 General Conditions of your Policy Document for full details). If you do decide to cancel your policy the proportionate premium for the period that you have been insured will be calculated and the balance will be refunded provided you have not made a claim. The Insurer may cancel the insurance by giving you 30 days written notice.
Claims Notification

If you need to make a claim please contact Citymain Administrators Limited, PO Box 116, Ryde, PO33 2WX Tel: on 0844 576 2277. Please refer to the Claims Handling Information, which you will find below.

Complaints If you wish to complain to the Insurer, or about the service you receive, you should, in the first instance, telephone or write to Citymain Administrators Limited, PO Box 116, Ryde, PO33 2WX Tel: 0844 576 2277. If this does not resolve your problem you can take it to the Policyholder and Market Assistance, Lloyd’s Market Services, 1 Lime street, London EC3M 7HA to review your case. If you are still not happy you can contact the Financial Ombudsman Service by writing to South Quay Plaza 2, 183 Marsh Wall, Docklands, London E14 9SR or telephoning 0845 080 1800. This procedure is in addition to any other legal rights you may have to take legal proceedings.

Compensation
It is the duty of the Financial Services Compensation Scheme to ensure that a percentage of sums owed to policyholders (normally at least 90% of your insurance benefit) is paid if their insurance company is in liquidation and unable to pay. Such payments are subject to restrictions and not all policyholders may benefit. Further details are available on request from the Insurer.
Auto Renewals
You will be contacted up to 30 days before the renewal date of your policy and we will tell you about any changes to the premium or the policy terms and conditions. If you do not want to auto renew your policy, you just need to contact us. If you do nothing then the renewal premium will be taken from the credit/debit card details provided at the time of the initial purchase. If the credit/debit card details have changed, you can contact the Administrator to amend the details. You can advise the Administrator about any changes to your policy details or decide not to use the auto renew service at any time by calling 0844 576 2277.

All dealings with you in relation to the Digital Camera Insurance are subject to English Law and will be expressed in English. Details of the law relating to the contract of insurance itself can be found in the Policy Document, which is printed overleaf.

What to do if your digital camera is stolen or damaged

Theft Claims

Report the theft to the appropriate local police authorities within 24 hours of discovering the incident and obtain a crime/lost property reference number (as appropriate) and make a note of the police station details.

All Claims

Telephone Citymain Administrators Limited on 0844 576 2277 within 48 hours of discovering the incident or from return to the UK where the incident occurred outside of the UK.

Confirmation of Your Insurance Cover

LOYAL INSURANCE TRADING AS INSURANCE 2 GO EXTENDED WARRANTY CAMERA POLICY SUMMARY THIS IS IMPORTANT INFORMATION YOU SHOULD READ

This Policy Summary does not contain the full Terms and Conditions of the Extended Warranty these can be found in the Policy Document (entitled “Certificate of Digital Camera Extended Warranty Cover”).

Your Insurer
This Digital Camera Extended Warranty Cover is underwritten 100% by Lloyd’s Syndicate 5820. Registered in England number 04434499. Registered Office: Jubilee Managing Agency Limited, Sidcup House, 12-18 Station Road, Sidcup, Kent DA15 7EX. Jubilee Managing Agency Limited is authorised and regulated by the Financial Services Authority and is entered on their register under number 226696.

Types of Insurance & Cover
The digital camera is covered up to the retail value of your digital camera as referenced in your payment confirmation letter. The maximum liability shall not exceed £500 including VAT. Your cover is against Breakdown for a period of twelve months after the manufacturers warranty has ceased. The digital camera must be less than 6 months old at the time of purchasing the extended warranty as evidenced by the relevant proof of purchase.

Significant Features & Benefits
The extended warranty covers your digital camera against the above risks whilst being used in the United Kingdom (and World-wide for a maximum of 30 days in any one year) by you as the person who purchased it or your spouse or partner or any of your children, brothers, sisters (all over the age of 18) and parents permanently residing with you.

Significant and Unusual Exclusions or Limitations
Like all policies, there are some things this insurance does not cover. Importantly these include: inappropriate use, breakdown of the digital camera whilst on loan to athird party other than your immediate family, breakdown which occurs during the manufacturer’s warranty period, caused by placing or using the digital camera in a location or environment that is not in accordance with the manufacturer’s instructions, any breakdown or malfunction of the digital camera caused by or related in any way to software virus or any other software malfunction, any breakdown to any additional equipment or accessories or due to abuse or wear and tear or gradual deterioration of the digital camera, cosmetic damage to the digital camera, theft, accidental damage and loss of the digital camera. You are required to take all reasonable measures that would be reasonably expected of you to take to prevent or mitigate Breakdown of your digital camera. The insurance will not cover where the claim form is not returned to the Administrator within 30 days of the claim, and any claim where the user is under the age of 18. The digital camera must be less than 6 months old at the time of purchase of the insurance as evidenced by the relevant proof of purchase. The maximum liability for any claim cannot exceed the replacement value of the digital camera up to a maximum of £500.00 including VAT.

If you require more information about these, or other exclusions and limitations you should read the Policy Document which is printed overleaf, particularly the sections headed Exclusions & General Exclusions. Please ensure you read these carefully and familiarise yourself with them.

What to do if your digital camera is stolen or damaged

Telephone Citymain Administrators Limited on 0844 576 2277 within 48 hours of the breakdown occuring or from return to the UK where the breakdown occurred outside of the UK.