INSURANCE 2 GO CERTIFICATE OF PRODUCT INSURANCE

THIS IS TO CERTIFY THAT in accordance with the authorisation granted under Contract CAL002 to the Undersigned by the Insurers, and in consideration of the Premium, the Insurers are hereby bound to You for the benefits set out herein, subject to the Terms, Definitions, Exclusions and Conditions specified in this Certificate. In witness whereof this Certificate has been signed in London by

Mr P Kelsey
Director Citymain Administrators Ltd

1. THE INSURANCE

Theft, Accidental Damage and Breakdown Cover. You are covered against the repair or replacement cost of Your Product in the event of Theft, Accidental Damage or Breakdown whilst in Your possession or that of Your Immediate Family during the Period of Insurance. The maximum liability of the Insurer in respect of any one claim will be the replacement cost of the Product.

2. DEFINITIONS

The words or phrases described below shall have the following meaning wherever used in this Certificate.
Accessories
Items such as, but not limited to, carrying cases, battery chargers, hands-free mounting kits, USB cables etc.

Accidental Damage
The sudden and unforeseen accidental damage to the Product not otherwise specifically excluded from this Certificate of Insurance.

Administrator
Citymain Administrators Limited, P.O. Box 116, Ryde, PO33 2WX. Telephone number: 0844 576 2277.

Breakdown
The actual breaking or burning out of any part of Your Product whilst in ordinary use arising from internal electronic, electrical or mechanical defects in the Product causing sudden stoppage of the function thereof and necessitating immediate repair before it can resume normal operation.

Excess
The amount You must pay towards the cost of any claim and You must pay the Excess stated within this Certificate of Insurance for each and every claim.

Immediate Family
Your spouse or partner, children, brothers, sisters, (all over the age of 18) and parents permanently residing with You.

Insurer
This insurance 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.

Limit of Liability
The Insurer’s maximum liability for any claim shall not exceed the maximum replacement value of Your Product or the maximum value selected by You at time of purchase as referenced in Your payment confirmation letter, whichever the lesser. The maximum liability shall not exceed £500 including VAT. Should Your original Product no longer be available, the Insurer will replace it with the nearest functionally equivalent model.

Period of Insurance
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 Insurance commences at the time of purchase for a period of twelve months only, upon receipt of Your premium. The annual premium is the equivalent of 11 monthly payments, month twelve is provided free of charge. The annual premium will be collected by the Administrator by Credit/Debit Card via Worldpay.
MONTHLY: The Insurance commences at the time of purchase by periods of one month upon receipt of Your monthly premium. After successful collection of eleven consecutive monthly premiums in the first year, month twelve will be provided free of charge (applicable to the first year of cover only). The monthly premium will be collected by the Administrators by Direct Debit. The Insurance will be terminated immediately if the Insurer does not receive Your monthly or annual premium(s) as appropriate.

Product
The portable electronic device as reference in Your payment confirmation letter issued by the Administrator and as evidenced by relevant Proof of Purchase or exchange. The Product must be less than 9 months old at the time of purchase of the insurance as evidenced by the relevant Proof of Purchase.

Proof of Purchase
The original purchase receipt provided at the point of sale that details the Product purchased, or similar documentation that provides proof that You own the Product. Reasonable Precautions All measures that would be reasonably expected of You to take to prevent or mitigate Theft or Accidental Damage of Your Product.

Territorial Limits
The United Kingdom and worldwide for a maximum of 30 days in any one year.

Theft
The unauthorised dishonest appropriation or attempted appropriation of the Product by another person with the intention of permanently depriving You of it.

Violent and Forcible Entry
Entry evidenced by visible damage to the fabric of the building, room, or vehicle at the point of entry.

Unattended
Whilst the Product is not being used or held by You, or on Your person, or You are not in a position to prevent interference to the Product other than when in a locked room or locked cupboard or glove compartment or boot in a locked vehicle as highlighted in Section 6.2, Security Requirements..

You/Your
The person, company or partnership who has purchased Product insurance as described in this Certificate from Insurance 2 Go.

3. SPECIFIC THEFT EXCLUSIONS

This Certificate does not cover:

• Any Theft unless accompanied by a Crime Reference number. Lost Property numbers are not acceptable in support of a Theft claim.
• Any claim involving Theft unless reported to the appropriate local Police authorities and the Network within 24 hours of discovering the incident.
• Theft from an unattended vehicle unless the Product is completely hidden from view in a glove compartment or boot, Violent and Forcible Entry to the vehicle has been used and You have complied with the Security Requirements 6.1. A copy of the repairer’s account for such damage to the vehicle must be submitted with any claim hereunder.
• Theft of the Product from an unoccupied premises unless there is evidence of Violent and Forcible Entry to the premises and You have complied with the Security Requirements 6.2. A copy of the epairer’s account for such damage to the premises must be submitted with any claim hereunder.
• Theft of the Product left Unattended in a public place or a place to which the public has regular access.
• Theft of the Product from the person unless force, pickpocket or threat of violence is used.
• Loss of the Product.
• Theft of the Product whilst on loan to any third party other than Your Immediate Family.
• Theft of any additional equipment or Accessories.

4. SPECIFIC ACCIDENTAL DAMAGE EXCLUSIONS

• Accidental Damage to the Product whilst on loan to any third party other than Your Immediate Family.
• Accidental Damage to any additional equipment or Accessories.
• Damage to or malfunction of the Product caused by or attributed to the operation of a software virus or any other software based malfunction.
• Accidental Damage that occurs when the Product is Unattended.
• Any Breakdown:
  a) That occurs during the manufacturer’s warranty period;
  b) Caused by placing or using the Product in a location or environment that is not in accordance with the manufacturer’s instructions.
• Any claim arising from abuse, misuse or neglect.
• Wear and tear or gradual deterioration of Product performance.
• Cosmetic damage to include marring, scratching and denting.
• Faulty or defective design, materials or workmanship or latent defect.
• Routine maintenance, adjustment, modification or servicing.

5. GENERAL EXCLUSIONS

• The Excess, as per the table below:

  Claim circumstance	Purchase price up to £250.00	Purchase price between £251.00 and £500.00
  Any claim incident that occurs in the United Kingdom within 3 months of the commencement date of the insurance	£50.00	£100.00
  Any claim incident that occurs in the United Kingdom from month 4 onwards	£25.00	£50.00
  Any claim incident that occurs outside of the United Kingdom within 3 months of the commencement date of the insurance	£100.00	£100.00
  Any claim incident that occurs outside of the United Kingdom from month 4 onwards	£75.00	£75.00

• Where Proof of Purchase has not been provided.
• Any Product older than 9 months at the time of purchase of the insurance as evidenced by the relevant Proof of Purchase.
• Any costs incurred in connection with the installation, removal or subsequent relocation of Your Product in or from a vehicle, including electrical or mechanical breakdown.
• Not complying with the Claims Procedure section of this Certificate.
• Any legal liability directly or indirectly caused by or contributed to or arising from:
  a) ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel;
  b) the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof.
• Any loss or damage or liability directly or indirectly occasioned by, happening through or in consequence of war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power, or confiscation or nationalisation or requisition or destruction of or damage to property by or under the order of any government or public or local authority.
• Any damage directly occasioned by pressure waves caused by aircraft and other aerial devices travelling at sonic or supersonic speeds.
• You are not covered for any other costs that are caused by the event which led to Your claim, unless specifically stated in this Certificate.
• The VAT element of any claim if You are registered for VAT.

SECURITY REQUIREMENTS

Security requirements for vehicles

Theft of the Product whilst in a vehicle shall only be covered in the event that:
a) The Product is completely hidden from view in a glove compartment or boot;
b) All doors, windows and other vehicle openings have been closed, fastened and securely locked;
c) All security devices installed have been operated;
d) The vehicle has a valid motor insurance certificate, valid MOT certificate (where applicable) and has valid road tax.

6.2 Security requirements excluding vehicles

Theft or Accidental Damage of the Product shall only be covered in the event that:
a) The Product is in a locked room or locked cupboard and any security devices have been operated;
b) The premises are securely locked;
c) All windows and doors are closed and locks activated where fitted.

7. GENERAL CONDITIONS

Cancellation
You may cancel this insurance at any time by giving notice of cancellation, in writing or by telephone, to the Administrator. Where 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). Where You have purchased an annual Period of Insurance then the cover will terminate upon receipt of Your notice of cancellation by the Administrator (subject to Your 14 day Statutory right to cancel). The Insurer is entitled to cancel this insurance at any time by giving You not less than 30 days prior notice. If You have purchased an annual policy we will calculate the proportionate premium for the period that You have been insured and refund the balance provided You have not made a claims during the Period of Insurance. If a claim has been made during the Period of Insurance no refund of premium will be given.

Replacement Equipment
Should You replace Your Product with a new Product the Insurer will consider transferring the benefit of the insurance but You must advise the Administrator of the make and model of the new Product. An official purchase invoice showing details of the new Product must support this. The benefit will be transferred from the date confirmed by the Administrator.

Reasonable Precautions
You and Your Immediate Family are required to take all Reasonable Precautions at all times.

Fraud
If any fraudulent claim is made or if any fraudulent means or devices are used under this policy, all benefits hereunder shall be forfeited. We may inform the police and/or any other law enforcement agency about the circumstances of such a claim.

Claims
In the event of any incident which may give rise to a claim, You must follow the Claims Procedure detailed below.

Law
The Parties are free to choose the law applicable to this Insurance Contract. Unless specifically agreed to the contrary this Insurance shall be subject to English Law.

8. CLAIMS PROCEDURE

Please comply with the following procedures to obtain authorisation with the minimum delay. Failure to observe these procedures will invalidate Your claim.

Theft Claims
Notify the appropriate local Police authority within 24 hours of discovering the incident and obtain a Crime Reference number and a copy of the Police Crime report.

Accidental Damage and Breakdown Claims
You must keep all parts of Your Product and return it for inspection in accordance with the Administrators instructions. The Product remains Your responsibility until it has been received by the Administrators.

All Claims You should notify the Administrator on 0844 576 2277 within 48 hours of discovering the incident (or in the event of an incident occurring outside of the United Kingdom, within 48 hours of returning to the United Kingdom).

Once You have obtained a claim form from the Administrator, You should complete the form fully and return it in accordance with the Administrators instructions, and in any event within 30 days of notifying the claim incident together with any requested supporting documentation including:

• Excess payment
• Police Crime Reference Number (where applicable)
• Proof of Violent and Forcible Entry
• Proof of Purchase
• Any other requested documentation

The Administrator will assess Your claim, and providing Your claim is valid, will authorise the repair or replacement of the Product as appropriate.

On the monthly policy only, if You make a claim within the first 3 months of commencement of the insurance we must be in receipt of 3 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 4 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 4 payment and Your direct debit will recommence in month 5.

9. YOUR STATUTORY RIGHT OF CANCELLATION

You have a right to cancel this insurance by giving notice of cancellation within 14 days of the receipt of Confirmation of Insurance Cover to the Administrator in writing to P O Box 116 Ryde PO33 2WX or by calling 0844 576 2277 and quoting Your Telephone 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 set out in Section 6 (GENERAL CONDITIONS) above.

10. DATA PROTECTION ACT 1998

It is understood by You that any information provided to the Administrator and the Insurer regarding You will be processed by the Administrator and the Insurer, in compliance with the provisions of the Data Protection Act 1998, for the purpose of providing insurance and handling claims, if any, which may necessitate providing such information to third parties.

11. CLAIMS SERVICE

It is always the intention to provide You with a first class service when You make a claim. However, if You are not happy with the service please in the first instance write to the Customer Services Manager of the Administrator. If You are not satisfied with the response You may then ask the Policyholder and Market Assistance, Lloyd’s Market Services, 1 Lime Street, London EC3M 7HA to review Your case and ultimately You may contact the Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR.

12. PREMIUMS AND CLAIMS – YOUR RIGHTS

When handling premium payments from You that are due to the Insurers and when handling any claim You make, the Administrator acts as an authorised agent of the Insurers. This means that when You pay a premium to the Administrator it is deemed to have been received by the Insurers and that any valid claim You make is not deemed to have been settled by the Insurers until You have actually received a repaired or replacement phone.

13. FINANCIAL SERVICES COMPENSATION SCHEME

The Financial Services Compensation Scheme will usually cover at least 90% of 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.