Mobile Phone Insurance Policy Summary

Pay Monthly

Mobile Phone and USB Modem Insurance

Policy Summary

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 USB Modem purchased or the make and model of the phone purchased.

^uTech Protect and storemynumbers are web based products and you will need internet access and an email address to register a portable device and to use storemynumbers visit www.policyadmin.co.uk

* Only USB modems or data cards covered as a mobile phone under the mobile phone definition (section A of the Policy Document) shall be covered against loss and unauthorised calls.

** storemynumbers functionality requires a compatible mobile phone which has been enabled to use GPRS data services.

Full details of the cover can be found in Section C of the Policy Document.

This policy does not cover:

• The policy excess of £25 for each USB modem or £50 for each mobile phone or portable device (excluding USB Modems) upon a successful claim

• Theft of the phone or portable device where they have been left visible in an unattended motor vehicle
• Theft of the phone or portable device from any unattended building or premises, unless evidenced damage was caused in gaining entry to, or exit from, the building or premises
• Theft where the phone or portable device has been left negligently or deliberately in a public place or a place to which others have access
• Theft of or damage to the phone or portable device 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 device, or on a hard disk, memory card or other storage media
• Any claim made for a portable device where the incident date is during the period of 14 days after registration, or a period of 14 days after you change the device on cover. If you change the mobile phone on cover, the same 14 day period will apply unless you have purchased the phone from Phones 4u, where cover will start immediately
• Loss and unauthorised calls made from a USB modem or data card covered as a portable device under the portable device definition (section A of the Policy Document)
• Loss of the phone where it has been left negligently or deliberately in a public place or a place to which others have access

• Loss of the phone where it has been passed to someone else other than a family member

• Loss of the portable device
• Loss of a USB modem or data card covered as a portable device under the portable device definition (section A of the Policy Document)

Full details can be found in sections I, J, & K of the Policy Document.

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 (mobile phone only), stolen or damaged at the same time as the phone or device, or where they are incompatible with a phone or device replaced as a result of a valid claim.

• Portable devices must have a minimum original purchase value of at least £50 (inc VAT) and a maximum original purchase value of £300 (inc VAT), be no more than 2 years old (from the date of original purchase as new) at the time of registration and no more than 5 years old (from the date of original purchase as new) during the period of insurance.

• Where loss is mentioned, this applies only to mobile phone cover. There is no cover for the loss of a portable device.

Full details of the insurance cover can be found in section C 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 on page X.

Tech Protect registration

If you are a PremierplanPlus policyholder, you will need to register the portable device by visiting www.policyadmin.co.uk. Cover will start 14 days after the date of registration, and you can register from the day after you purchase this policy. Please see section D 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 900 6444. 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 L of the Policy Document.

Claims

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

1. You must inform the Police within 24 hours of discovering any loss (mobile phone only), theft or malicious damage for which you wish to make a claim, obtaining an incident reference number.

• If the phone, USB modem or data cardis 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. Unauthorised call cover only applies to mobile phones as defined in section A of the Policy Document.

• You must register a claim with us within 48 hours of discovery of an incident, using the following methods:

• online at www.policyadmin.co.uk for a Tech Protect or a mobile phone claim
• alternatively mobile phone claims can be registered by calling 0870 900 6444

• 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.

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 Nof 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 the FSA website 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.

Your Demands and Needs

You are the owner or are responsible for a mobile phone, and where applicable a portable device, and believe protection against loss (for mobile phones only), theft, breakdown or damage to the phone or device would be beneficial to you. You have been advised of the details of the policy in the Policy Summary, 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 Policy Summary, 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 Mobile Phone and USB Modem Insurance as it will provide protection against the risks specified in this statement in relation to the phone and where applicable a portable device.

storemynumbers registration

You will need to register to take advantage of this cover, and registration will be available the day after you purchase this policy. We have arranged for access to this insurance service through the link on the Member’s area of our website: www.policyadmin.co.uk. If you have ported the phone number you must contact us to update our records immediately as this may affect the services we supply.

This service uses GPRS data services and this must be enabled on the phone. Please speak to the airtime-provider if you need to set this up. Registration can be made by the policyholder only and for the mobile phone number registered with us. There may be periods the service is not available due to technical issues and upgrades to the systems. The service is offered as part of the entire Mobile Phone cover package and the level of service is dependent upon the compatibility of the phone.

To take advantage of the storemynumbers service you or the user of the phone are obliged to perform the following:

• register for the storemynumbers service
• sync thephone with the web server
• ensure the data is kept up to date by regularly synchronising the phone data

However, certain makes and models of phone are incompatible with the storemynumbers service, please contact us with any queries. If the phone is compatible, the above obligations are met, and the phone is lost or stolen, we will ensure that the data that has been synchronised can be recovered. This means that there will be access to all the recent information synchronised prior to the loss or theft.

Charges may be made by the airtime-provider for the GPRS (data transfer) costs involved in synchronising the phone.

Visit www.policyadmin.co.uk for full details of how to use storemynumbers.