Mobile Phone Insurance Summary of Cover

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Premierplan Insurance

Summary of Cover

This section gives a summary of the insurance cover and services provided. Full terms, conditions and exceptions are detailed within the Policy Document.

The cost of the policy and level of cover will depend on the make and model of the mobile phone purchased.

Further cover details:

• The cost of the policy is dependant on the make and model of phone you purchase (this includes any taxes or additional charges which may apply). The policy is automatically renewed each month, with the monthly payment being taken by Direct Debit. The monthly payment is separate from any payment made to an airtime provider.
  
  
• Accessories are covered where they have been lost, stolen or damaged at the same time as the phone, or where they are incompatible with a phone replaced as a result of a valid claim.

** Storemynumbers™ functionality requires a compatible mobile phone which has been enabled to use GPRS data services. Storemynumbers™ is a web based product and you will need Internet access and an email address to use storemynumbers™. Visit www.policyadmin.co.uk

Full details of the Mobile Phone Insurance can be found in section C of the Policy Document.

Full details of the Identity Theft Cover can be found in section D of the Policy Document.

Price

The cost of the policy will be either £7.99 or £9.99 per month depending on the make and model of the phone purchased (this includes any taxes or additional charges which may apply). The monthly payment is separate from any payment you make to an airtime provider. The policy is automatically renewed each month, with the monthly payment being taken by Direct Debit.

If you wish to change the phone on cover you must telephone us as the policy only covers you for the phone stated on your certificate. If you change the phone to a different model, different terms may apply. The phone will not be covered for the period of 14 days after you advise us of the change of the phone, unless you have purchased the phone from Phones 4u, where cover will start immediately.

Main Exclusions

Mobile Phone Insurance Cover

Mobile Phone Insurance does not include:

• The policy excess of £50 for each mobile phone upon a successful claim
• Theft of the phone where it has been left visible in an unattended motor vehicle
• Theft of the phone from any unattended building or premises, unless evidenced damage was caused in gaining entry to, or exit from, the building or premises
• Theft or loss where the phone has been left negligently or deliberately in a public place or a place to which others have access
• Theft of, loss of or damage to the phone where it has been passed to someone else other than a family member
• The replacement of any digital content stored in the memory of the phone, or on a hard disk, memory card or other storage media
• Any claim made for the phone where the incident date is during the period of 14 days after you change the phone on cover, unless you have purchased the phone from Phones 4u, where cover will start immediately

Full details can be found in sections C6, C7 and C8 of the Policy Document.

Identity Theft Cover

Identity Theft Cover does not include:

• The policy excess of £50 upon each successful identity theft claim
• Any goods or services you have been charged for, or that have been obtained or purchased as a result of your identity having been stolen
• Any loss where your identity has not been stolen and fraudulently used
• Any loss of income, costs, legal fees or expenses in connection with any claim not agreed in advance by us
• Any loss arising from business pursuits or theft of a commercial identity
• Any loss that was not incurred or did not commence during the period of insurance
• Any irrecoverable losses over £2,500 per claim

Full details can be found in section D6 of the Policy Document.

Storemynumbers™ registration

You can register for this insurance service by visiting www.policyadmin.co.uk, from the day after you purchase this policy. This service uses GPRS data services and this must be enabled on the phone. Full details can be found in the Policy Document which will be sent to you after purchase.

Claims

When making a claim in respect of the mobile phone, please follow these simple steps:

1. You must inform the Police (or the relevant local authorities if you are outside of the UK at the time of discovering the incident) within 24 hours of discovering any loss, theft or malicious damage for which you wish to make a claim, obtaining an incident reference number.
2. If the phone is lost or stolen, you must call the airtime provider within 24 hours of discovery to bar the SIM card. Doing this will prevent any further unauthorised calls being made.
3. You must register a claim with us within 48 hours of discovering an incident, by calling 0870 900 6444*, unless you are outside of the UK at the time of discovering the incident and unable to contact us, you must call us within the shorter of:
   
   i. 48 hours of your return to the UK, or
   ii. 30 days upon discovery of the incident
   
   
4. You must complete and return the claim form to us within 14 days of receiving it, ensuring that you have followed the procedure detailed on the claim documentation.

When making a claim in respect of identity theft, please follow this simple step:

1. If you believe your identity has been stolen and/or fraudulently used, you should call us on 0870 900 6444* and follow the procedure detailed in sections D2, D3 and D4 of the Policy Document.

Please refer to section C of the Policy Document.

Cancellation

You have the right to cancel this policy within the first 14 days after receiving these terms by contacting Customer Services on 0870 401 7657*. We will refund your payment, although if a claim has been made during this period, you may be required to pay for the services provided.

Please refer to section E of the Policy Document.

Enquiries

Should you have an enquiry or complaint, you can contact us on 0870 900 6444*. Any complaints may be raised without prejudice to your right to take legal proceedings. If after making a complaint you are still unhappy and you feel the matter has not been resolved to your satisfaction, you may contact the Financial Ombudsman Service. Please refer to section G of the Policy Document.

You can request another copy of these terms. They are also available in large print, audio and Braille. If you would like a copy in any of these formats, please call Customer Services on 0870 900 6444*.

Under European law, the parties to each of the contracts may choose which law will apply to those contracts. English law will apply unless all parties agree otherwise, in writing, prior to the start of the contracts. The contracts are written in English and all communication by us and the insurer with you will be in English.

Compensation Scheme

The parties to these contracts are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if they cannot meet their obligations. Most insurance contracts are covered for 100% of the first £2,000 and 90% of the remainder of the claim, without any upper limit. You can get more information about the compensation scheme arrangements by contacting the FSCS on 0207 892 7300 or by visiting their website at www.fscs.org.uk

Status Disclosure

Phones 4u Limited (FRN 404471) is an appointed representative of Policy Administration Services Limited who is authorised and regulated by the Financial Services Authority (FSA). The insurance cover has been arranged by Policy Administration Services Limited (FRN 307406) with a single provider, London General Insurance Company Limited (LGI) (FRN 202689). LGI is authorised and regulated by the Financial Services Authority. FSA registration details can be checked on their website at www.fsa.gov.uk/register or by phoning 0845 606 1234. If you need to register a complaint, please contact the Customer Relations Department, Policy Administration Services Limited, PO Box 290, CREWE, CW1 6YF. If Policy Administration Services Limited cannot settle your complaint, you may be entitled to refer it to the Financial Ombudsman Service. We are covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the scheme if we cannot meet our obligations.

Demands and Needs Statement

You are the owner or are responsible for a mobile phone, and believe protection against loss, theft, breakdown or damage to the phone and the provision of specialist advice and assistance on how you can reduce your risk of identity theft would be beneficial to you. You have been advised of the details of the policy in the Summary of Cover, including the main benefits, main exclusions and limits of the cover, and are not aware of any other insurance policy that you currently have that makes this policy unsuitable.

You are aware of your obligation to provide all material information and have made a reasoned decision on the basis of the information provided in the Summary of Cover, and also have a period of 14 days after the receipt of the terms to cancel the contracts if you wish to reconsider your decision. After such date, as the payment is made on a monthly basis, no refund of any premium or service charge paid will be due.

On the basis of the information you have supplied you are able to claim under the cover, however certain exclusions and policy limitations will apply as provided in the Policy Document. On this basis we therefore recommend that you take out this cover as it will provide protection against the risks specified in this statement.