Insurance 2 Go does not offer advice or recommend insurance. You should decide before purchasing whether the terms of this insurance policy meet your demands and
needs for mobile phone insurance.
If you can answer 'no' to all of the above, your demands and needs are those of a mobile phone owner who wishes and needs to ensure their mobile phone insurance needs are met now and in the future.
Protecting your mobile phone is quick and easy. Insurance can be purchased by applying online at our website www.insurance2go.co.uk
This policy is a dedicated insurance policy especially for mobile phones, ensuring rapid replacement or repair of your handset once your claim has been accepted.
Household policies often have a much higher excess and a claim for your mobile phone will more likely affect your no claims bonus.
You can choose to pay for your insurance by paying either 1 annual payment, or by monthly installments.
Annual payments will be collected by Insurance 2 Go via WorldPay. The name of Insurance 2 Go will appear on your credit or debit card statement.
Monthly payments will be collected by the Citymain Administrators Limited. The name of Citymain Administrators Limited re: Insurance 2 Go will appear on your bank statement when the payment is taken.
Loyal Insurance Service Ltd receives premiums as an agent of Jubilee Managing Agency Limited, and Citymain Administrators Ltd receives premiums, pay claims and hold monies as an agent of Jubilee Managing Agency.
A Direct Debit is an instruction from a customer to their bank or building society authorising an organisation to collect varying amounts from their account, as long as the
customer has been given advance notice of the collection amounts and dates. In accepting insurance from Insurance 2 Go, you have agreed that we send your personal
and bank details to the insurance administrators to enable us to arrange for your phone to be insured from the moment your insurance has been accepted.
In order to set up a Direct Debit, the organisation you wish to pay will ask you to complete a Direct Debit Instruction. You will need to provide your name and address, name and address of your bank/building society (where applicable), your bank/building society account number and branch sort code. Ensure all the details are correct.
The organisation will update their payment records and forward the instruction on to your bank/building society. The instruction to them gives the organisation authority to collect varying agreed amounts from your account on dates agreed with you.
The organisation will give you advance notice of a collection of dates and amounts. Check these details are correct. Should you wish to query any of the details contact the organisation straight away. There is nothing further you need to do apart from ensure you have sufficient funds in your account.
Unfortunately, you are unable to change the date of the Direct Debit collection from your bank account. The date is set and agreed with your bank and we write to you advising and confirming the set up of your Direct Debit instruction and future payment schedule.
WorldPay are an accredited payment service provider and provide the online payment system for credit card transactions for this website. They handle your credit card transaction in a highly secure environment.
You will only be able to move forward in the application process if correct details are entered. The website system only accepts information that match and is then
validated by the bank. If incorrect details are entered an error warning message will be displayed and you will be asked to enter your details again correctly.
If you see an "Invalid card or card number" message – you should check that you are entering the card number without any spaces. Switch and Solo cards may have a card number printed on them which is only an 8 digit number. We require the long number across the centre of the card.
If you see a message "Authorisation on that payment type has been declined by the bank" your card has been declined by your card issuer, who is responsible for generating the message. You will need to contact your card issuer to find out why your card has been refused. You should check that you have entered the correct card expiry date, valid from date and issue number etc. Your card issuer may inform you that they have authorised the payment, but are awaiting an authorisation code from the merchant. This is known as a referral and cannot be authorised for online payments. In this case, you should try your card again or use a different card.
If you have a business bank account, you will still be required to enter your bank details on the website in the normal way. However, additionally, you need to click on the Direct Debit Mandate link, print and complete it in full and return to the address detailed on the form – Insurance 2 Go, PO Box 116, Ryde, PO33 2WX.
If you are not the sole signatory on your bank account, you will still be required to enter your bank details on the website in the normal way. However, additionally, you need to click on the Direct Debit Mandate form, print and complete it in full, with all the signatories to sign and return it to the address detailed on the form – Insurance 2 Go, PO Box 116, Ryde, PO33 2WX.
Unfortunately not. You are required to enter your details on the website in any instance. The completing of the manual Direct Debit mandate is an additional requirement if you are using a business bank account or if you are not the sole signatory on your bank account.
Please send it to the address on the form – Insurance 2 Go, PO Box 116, Ryde, PO33 2WX. We advise that you consider sending your supporting documentation by Royal Mail Special Delivery as this provides a greater assurance that it reaches us and within a timely manner. However, if you chose to send your documentation by Standard Mail or Recorded Delivery the assurances can be somewhat reduced and the validation of your policy may be delayed.
Please ensure that you have entered all your details accurately, this is critical if utilising the Find Address option, by entering your postcode and house number and allowing the system to find the remainder of your address details automatically.
Please ensure that you select a make and model of phone from the drop down boxes provided. Also, ensure that you enter your IMEI number, phone number and contact number in full, with no spaces in between.
The IMEI (International Mobile Equipment Identification) number of your handset is a unique identification code that is specific to your handset alone. It can be obtained by dialling *#06# or by checking under the battery of your handset.
Monthly or Annual Basic Cover Policy
Accidental Damage cover only. Additionally you will receive worldwide protection for up to 30 days in any one year and cover when the handset is used by your immediate family (if over the age of 16 years) who permanently live with you.
Monthly or Annual Lite Cover Policy
Theft, Accidental Damage, Unauthorised Calls up to £1000 as part of a valid theft claim and Mobile Wallet Protection as part of a valid theft or loss claim. Additionally you will receive worldwide protection for up to 30 days in any one year and cover when the handset is used by your immediate family (if over the age of 16 years) who permanently live with you.
Monthly or Annual Full Cover Policy
Theft, Loss, Accidental Damage and Unauthorised Calls up to £1000 as part of a valid theft claim and Mobile Wallet Protection as part of a valid theft or loss claim. Additionally you will receive worldwide protection for up to 30 days in any one year and cover when the handset is used by your immediate family (if over the age of 16 years) who permanently live with you.
There is a maximum limit of liability for any claim which shall be the replacement cost of the telephone and in any event shall not exceed a total claim cost up to a maximum of £700.00 including VAT, providing the handset was less than 6 months old at the time of purchasing the insurance.
The maximum limit of liability in respect of a valid Unauthorised Calls claim is £1,000 including VAT and in respect of a valid Mobile Wallet Protection claim is £100 including VAT.
For each and every claim, the excess payable is the £50 for accidental damage claims and £75 for Theft and loss claims.
Yes you can still insure your handset but in the event of a successful claim, you will be liable for the additional costs above this limit. This will be advised to you at the time of authorisation of your claim and can be paid by credit/debit card.
As per your Certificate of Insurance, if you have chosen a Monthly Policy it will continue until you cancel your policy with us by email, fax, post or telephone. Your Certificate of Insurance additionally states that your policy will end if we do not receive your premium payments. This does not affect your 14 day statutory right to cancel.
Upon cancellation, cover will terminate at the end of the month for which you have paid your premium (subject to your 14 day Statutory right to cancel).
As per your Certificate of Insurance, if you have chosen an Annual Policy your period of insurance is 12 months from the date of purchase or renewal. Upon cancellation, cover will terminate immediately and providing you have not made a claim you will receive a pro rata refund of the premium (subject to your 14 day Statutory right to cancel).
Please note that if you do cancel your policy, your handset will no longer be covered against any major eventualities that your policy covers (such as theft, loss, accidental damage, unauthorised calls or mobile wallet protection).
Yes, you have the ability to auto renew your annual policy. 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 the 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 will need to update your WorldPay agreement, this process can be carried out by visiting the link:
http://www.worldpay.com/shopper/index.php?page=recurring&sub=login&c= and following the instructions provided. 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.
Unfortunately this is not possible. The pages on this website are intended for access and use by UK residents only and comply with appropriate UK legislation and regulation. However, your policy offers worldwide cover for up to 30 days in any one year.
In the first instance, once your payment has been successfully concluded, the website page automatically displays a message to this effect and issues you with a
reference number. In addition, a confirmation SMS message will be immediately generated and sent to your, now insured, mobile phone. Furthermore, an additional email
will be sent to the email address that you provided, with details of your insurance policy. This succession of information generated is assurance that we have received
payment successfully and insurance for your mobile phone has been set up.
Additionally, you can contact your bank to seek assurance or if you are further concerned, please Contact Us.
when completing the forms on the website? If you are at all concerned, please Contact Us.
You may cancel your insurance policy within 14 days of purchase without penalty and we will provide a full refund providing that you have not made a claim during the 14
days. After 14 days, you may cancel the policy at any time.
Please note that if you do cancel your policy, your handset will no longer be covered against any eventualities that your policy covers (such as theft, loss, accidental damage, unauthorised calls or mobile wallet protection).
You may cancel your insurance with us at any time, by giving notice of cancellation, by email, fax, post or telephone. See Contact Us. If you have purchased a rolling monthly period of insurance then cover will terminate at the end of the month for which you have paid your premium (subject to your 14 day Statutory right to cancel). If you have purchased an annual period of insurance, the cover will terminate upon receipt of your notice of cancellation by the Administrator and providing you have not made a claim you will receive a pro rata refund of the premium (subject to your 14 day Statutory right to cancel).
When you accept to purchase an insurance policy via the Insurance 2 Go website, you are required to complete either a Direct Debit or Credit/Debit Card online form. You will also confirm these as being the details used to collect your premiums. After the policy has been purchased online the Administrator writes to you to confirm your direct debit or credit/debit card payment details.
Simply Contact Us and we will be able to send you a duplicate copy of your documents by email or post.
Your mobile phone is protected from the moment you have successfully completed your online transaction and a policy number has been generated on screen. As a result of this, the SMS confirmation message is automatically generated. The SMS confirmation will be sent to the mobile phone number you provided in your online application. If you would like further confirmation please Contact Us
Your mobile phone is protected from the moment you have successfully completed your online transaction and a reference number has been generated on screen. As a
result of this, the Email confirmation message is automatically generated. The Email confirmation will be sent to the Email address that you provided in your online
In addition, you will receive a copy of the Certificate of Insurance and Policy Summary together with confirmation of your Direct Debit payment schedule and Direct Debit Guarantee or Credit Card payment instruction, by post within 3 working days. If you are further concerned, please Contact Us.
You will receive a copy of the Certificate of Insurance and Policy Summary together with confirmation of your Direct Debit payment schedule and Direct Debit Guarantee or Credit/Debit Card payment instruction by post within 3 working days. If you are further concerned please Contact Us.
If your question or query is not answered in this list – please Contact Us.
Please allow 48 hours for us to respond to you. If you have not received a reply please Contact Us.
In the event of making an insurance claim, please contact our Client Services Team on 0844 576 2277 within 48 hours of discovering the incident who will take your
details and arrange for your phone to be repaired or replaced as necessary.
If you are aware that the handset has been stolen, or maliciously damaged, this must be reported to your service provider to bar the line within 12 hours of discovering the incident and the police within 24 hours of discovering the incident and a crime reference number obtained.
In the event of loss you should report the handset missing to the establishment in which the handset was lost. If the handset has been lost on a form of public transport, it should be reported to the relevant authority. If lost in a public place, then the handset should be reported as lost property to your service provider within 12 hours of discovering the incident and the police within 24 hours of discovering the incident and a loss property number obtained.
After notifying us of your claim, we will post a claim form to you, which you need to complete and return to us by post along with payment details for your excess charge within 30 days of notifying the claim. Please follow the instructions on the claim form.
Due to the Data Protection Act, you cannot claim on behalf of another individual.
You should either contact your local police station or the police station local to where the incident happened.
If your claim is due to Theft or Loss please allow 3 working days, from the date we receive notification, for your insurance claim to be processed.
If your claim is due to Accidental Damage, Unauthorised Calls or Mobile Wallet Protection please allow 5 to 7 working days for your insurance claim to be processed, from the date we receive your notification.
These timelines are subject to receipt of the full information required to assess your claim.
To check the status of your insurance claim please Contact Us.
If you change or upgrade your handset, you can easily change the policy accordingly. All you need to do is Contact Us and our Client Services Team will amend your details. Your new handset will be covered from the day you notify us of the change providing the handset is no more than 6 months old at the time of the amendment, as evidenced by the relevant proof of purchase.
If you would like to purchase insurance for any additional handsets please apply online at www.insurance2go.eu or call our Client Services Team on 0844 576 2277.
We welcome all queries and questions. Please contact us at:
Fax: 0844 576 2333
Post: Insurance 2 Go, PO Box 116, Ryde, PO33 2WX
Tel: 0844 576 2277 Monday to Friday 9:00am-5:30pm
Please be assured that we treat each enquiry confidentially and that we will endeavour to answer you as fully and promptly as possible. Any information provided will only be used for the purpose for which it was submitted.
At Insurance 2 Go, Customer Service is our number one priority. It is always our aim to investigate and resolve customer problems as quickly as possible. However, we do appreciate that at certain times you may feel it is necessary to make a complaint. If you wish to do so, in the first instance please email or write to us via the details listed above. In your correspondence, please ensure that you state your name, address, mobile number and daytime contact telephone number.
We will strive to resolve your complaint immediately or at least by the close of business the working day following receipt of your complaint. However, should it prove impossible to reach a solution within that timeframe, you will be sent a letter acknowledging receipt of your complaint within 5 working days, stating who will deal with it and outlining our complaints procedure. Once we have resolved your complaint, we will issue a final response in writing. If you are not satisfied with our response, you can refer your complaint for independent assessment, within 6 months, to: Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London, E14 9SR.
The Sale of Goods Acts lay down several conditions that all goods sold by a trader must meet. The goods must be of satisfactory quality, as described and fit for purpose.
Your statutory rights are limited which is why we offer insurance (not just an extended warranty) specially designed to protect your mobile phone (but not e.g. accessories
or car kits), against risks such as theft, accidental damage (including water damage), loss, unauthorised calls following a valid theft claim and mobile wallet protection
following a valid theft or loss claim whilst being used in the United Kingdom (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 live with you.
The Mobile Phone Insurance offered on this site is underwritten 100% by certain Lloyds Syndicates managed by Jubilee Managing Agency Limited. 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. You may be entitled to compensation from the Financial Services Compensation Scheme for your insurance benefits if the Insurers become insolvent or are unable to meet their obligations. Further details are obtained from the Financial Services Compensation Scheme website http://www.fscs.org.uk/ or by phone at 020 7892 7300. Alternatively, you may write to: Financial Services Compensation Scheme, 7th floor Lloyds Chambers, Portsoken Street, London E1 8BN.
Other Insurance (including some elements of household insurance) may be available for your mobile phone other than from the insurer whose cover is offered on this site. Your mobile phone insurance will not be automatically terminated in the event of a claim being made.
Like all policies, there are some things this insurance does not cover. Importantly these may include; inappropriate use, wear and tear or gradual deterioration of the phone, cosmetic damage to the phone, claims not accompanied by a Crime Reference Number, any claim made in excess of 48 hours of discovering the event or from return to the UK where the incident occurred outside of the UK any claim form not returned within 30 days of notifying the claim, and any claim where the user is under the age of 16. Any handset more than 6 months old at the time of purchasing the insurance, as evidenced by the relevant proof of purchase. There is an excess on each and every claim as specified in the policy document. All policies have a maximum limit of liability for any claim which shall be the replacement cost of the telephone and in any event shall not exceed a total claim cost up to a maximum of £700.00 including VAT. Theft or loss claims will not be paid unless reported to the appropriate local Police authority within 24 hours of discovering the incident and your Network within 12 hours of discovering the incident. If the theft is from an unattended vehicle unless the vehicle is locked and the phone is completely hidden from view within a glove compartment or boot, from unoccupied premises unless there is evidence of forced entry, from the person unless force, or threat of violence is used or if the theft 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 (where appropriate) or damage and to comply with the Security Requirements as specified in the Policy Document. Premiums inclusive of Insurance Premium Tax will be as confirmed at the time of purchase and will be collected by Direct Debit if the monthly policy is chosen or by Credit/Debit Card if the annual policy is chosen.
In respect of annual policies only, you have the ability to auto renew your policy. 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 the 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, please follow the instructions within the Frequently Asked Questions above. You can advise the Administrator about any changes to your personal details or decide not to use the auto renew service at any time by calling 0844 576 2277.
For monthly policies only, if you make a claim within the first 12 months of commencement of the insurance we must be in receipt of 12 monthly premiums before the repair/replacement can be authorised. Collection of any outstanding payments will be taken at the time of the claim and can be paid by credit/debit card over the phone or by sending a cheque to the Administrator. Your direct debit will be suspended until month 13 onwards and will continue on a monthly basis thereafter in accordance with your direct debit instruction. However, if at the time of paying the outstanding payments, there is insufficient time to suspend your next direct debit payment it will be taken as the month 13 payment and your direct debit will recommence in month 14.
In the event your claim is authorised and your handset is replaced, we will endeavour to replace it with an identical new or fully refurbished handset. Should this not be possible the administrator will replace it with a new or fully refurbished handset of a comparable specification or the equivalent value. You have a right to cancel the insurance by giving written notice of cancellation within 14 days of the receipt of confirmation of insurance cover to the Citymain Administrators Limited ("the Administrator") at P O Box 116 Ryde PO33 2WX quoting your mobile phone number. If you do not exercise this right to cancel then your rights and those of the insurer to cancel this insurance cover thereafter are subject to the General Conditions within the Certificate of Insurance.
If you need to make a claim under the insurance, please contact the Administrator at the above address or on 0844 576 2277.
You will find most questions answered in Frequently Asked Questions. Please read there first before continuing below.
We welcome all queries and questions. Please contact us at: Email: firstname.lastname@example.org
Fax: 0844 576 2333
Post: Insurance 2 Go, PO Box 116, Ryde, PO33 2WX
Tel: 0844 576 2277 Monday to Friday 9:00am-5:30pm
Please be assured that we treat each enquiry with confidentiality and that we will endeavour to answer you as fully and promptly as possible. Any information provided will only be used for the purpose for which it was submitted. For further information please see our Policy Documents and information.