Insurance 2 Go Mobile Phone Insurance Confirmation of Your Insurance Cover
LOYAL INSURANCE trading as “INSURANCE 2 GO” MOBILE PHONE 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 Mobile Phone Insurance”), which is printed overleaf.
Your Insurer
This Mobile Phone 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
Your mobile phone is covered against Theft, Loss, Accidental Damage (including water damage) and Unauthorised Calls but additional equipment (e.g accessories and
car kits) is not covered. The mobile phone should be no more 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 your phone up to a maximum of £400.00 including VAT.
Significant Features & Benefits
The insurance covers your mobile phone against the above risks whilst being used in the United Kingdom (UK) and Worldwide 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 16) and parents who permanently stay with
you. You are also covered for Unauthorised Calls for up to 24 hours after a valid Theft claim to a maximum of £1,000 including VAT.
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 phone, any other costs that are caused by the incident unless specifically
stated in the Certificate, loss where the circumstances of the loss cannot be clearly identified,
claims not accompanied by a Crime/Lost Property Reference Number (as appropriate), 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, any claim form not returned to the Administrator within 30
days of notifying the claim, and any claim where the user is under the age of 16. There is an
excess payable on each and every claim as specified in the Policy Document. The maximum
liability for any claim cannot exceed the replacement value of your phone up to a maximum of
£400.00 including VAT. Theft and Loss claims will not be paid unless reported to the
appropriate local Police 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 phone is completely
hidden from view in the 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 phone unattended. You are
required to take all reasonable precautions to protect the phone against theft, loss or damage
and to comply with the Security Requirements.
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 either an annual or monthly basis as specified below and as confirmed in your Certificate schedule.
ANNUAL: The annual premium of £53.91 including any Insurance Premium Tax (IPT) will be collected by Credit/Debit Card at the time of purchase for a period of
twelve months. The annual premium is the equivalent of nine monthly payments. You may cancel your insurance at any time and cover will terminate upon receipt of
your notification (please refer to the Cancellation details under Section 5 General Conditions of your Policy Document for full details).
MONTHLY: Premiums will be collected monthly by Direct Debit at £5.99 per month including any IPT and will continue by periods of one month upon receipt of your
monthly premiums. After the successful collection of nine consecutive monthly premiums in the first year, the following three months of cover will be free of charge
(applicable to first year of cover only). 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). The Insurer may cancel the insurance
by giving you 30 days written notice. If you have purchased an annual 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.
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 – Annual Policies Only
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 the Administrator on contact details provided in the renewal notice. 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 Mobile Phone 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 phone is stolen or damaged
In the event of theft, notify your network within 24 hours of discovering the incident using the numbers shown below:
Vodafone 07836 191 191
3 08707 330 333
T-Mobile 08454 125 000
02 08705 860 860
Orange 07973 100 150
Report the theft to the appropriate local police authority within 24 hours of discovering the incident and obtain a crime reference number 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.
