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Laptop Insurance UK
Laptop Insurance - Computer Insurance - Notebook Insurance - Terms & Conditions
Below you will find the Terms & Conditions for your Laptop Insurance, Notebook Insurance and Computer Insurance ...
This insurance is underwritten by Equity Red Star and arranged by Supercover Insurance Plc .
Equity Red Star is managed by Equity Syndicate Management Limited, which is authorised and regulated by the Financial
Services Authority. Equity Syndicate Management Limited is registered in England number 426475. The registered address
is at Library House, New Road, Brentwood, Essex, CM14 4GD.
Mobile Phone World Ltd (trading as 2u), and Supercover Insurance Plc is authorised and regulated by the Financial Services Authority.
You can visit the Financial Services Authority website, which includes a register of all regulated firms
at www.fsa.gov.uk/register or by contacting them on 0845 606 1234.
Introduction
In return for the payment of your premium we will provide insurance for your electronic equipment during the period of cover, as stated
in the application, subject to the terms, conditions and limitations shown below or as amended in writing by us.
For monthly insurance policies this is a monthly contract and is only in force if the monthly premium has been paid.
For policies of a longer duration premium must be paid at inception and the policy will remain in force for the period shown on your Letter of
Introduction and will remain in force until the period expires or is cancelled in accordance with Conditions and Limitations 5, 6 or the section headed Cancellation.
These Terms apply to electronic equipment
except where stated or not applicable.
Insurance Certificate Definitions
The words and phrases defined below have the same meaning wherever they appear in bold in this certificate.
Accidental loss means that the electronic equipment has been accidentally left by you in a location and you are permanently deprived of its use.
Commercial vehicle - any vehicle used wholly or partly for commercial or business purposes or any other vehicle that is being used for
commercial or business purposes at the time of any loss or damage to the electronic item.
Consequential Loss - indirect loss or damage resulting from the event which caused the claim under this policy
Excess - the amount that you have to pay of each claim.
Electronic Item - the single item insured by this certificate, purchased by you and provided by a supplier approved by us.
Immediate family - your mother, father, son, daughter, spouse, domestic partner.
Mobile phone/PDA - the single cellular telephone insured by this certificate, purchased by you and provided by a supplier approved by us..
Period of cover - For monthly policies 1 (one) calendar month from the inception date, renewing monthly on the same day each month (the last day of the month will
apply appropriately to each month) provided the monthly premium is paid.
For policies of longer duration the period is specified in your Letter of Introduction
Reasonable precautions -all measures that it would be reasonable to expect a person to take in the circumstances to prevent loss, damage or
theft of your electronic item
Terrorism means any act of any person or organization involving, causing or threatening harm or putting the public
or any section of the public in fear if it is likely that the purpose is of a political, religious, ideological (of an
intellectual or rational nature) or similar nature.
Unattended - not within your sight at all times and out of your arms-length reach.
We, us, our - Equity Red Star.
You, your - the person, who owns the electronic item as stated on the application from overleaf.
WHAT WE WILL COVER
Your electronic item is covered for
A. Accidental Damage
We will pay repair costs if your electronic item is damaged as the result of an accident.
B. Theft
If your electronic item is stolen we will replace it.
Where only part or parts of your electronic item have been stolen, we will only replace that part or parts.
C. Accidental Loss
If you lose your mobile phone or PDA we will replace it. No other electronic equipment is insured for loss.
D. Breakdown which occurs outside of the manufacturers guarantee period. This cover is not available on computers.
What we will pay (electronic items excluding laptops & PCs)
If £2.49 Premium, the maximum replacement value for any single claim is £150.
If £3.99 Premium, the maximum replacement value for any single claim is £250.
If £5.88 Premium, the maximum replacement value for any single claim is £400.
If £7.99 Premium, the maximum replacement value for any single claim is £1000
If £9.99 Premium, the maximum replacement value for any single claim is £1500
If £14.99 Premium, the maximum replacement value for any single claim is £2500
What We Will Pay (Laptops & PCs)
If £5 Premium, the maximum replacement value for any single claim is £1000
If £6.25 Premium, the maximum replacement value for any single claim is £1250
If £7.50 Premium, the maximum replacement value for any single claim is £1500
If £10.00 Premium, the maximum replacement value for any single claim is £2500
WHAT WE WILL NOT COVER
Your mobile electronic item is not covered for
- Theft:
- from any commercial vehicle, convertible or soft top vehicle;
- from any motor vehicle where you or someone acting on your behalf is not in the vehicle, unless
the electronic equipment has been concealed in a locked boot, locked glove compartment or other
locked internal compartment and all the vehicle's windows and doors closed and locked and all
security systems have been activated;
- if left on any motor vehicle roof, bonnet or boot;
- from any type of transport except as permitted above;
Comment
- from any building, land or premises unless force, resulting in damage to the building or premises,
was used to gain entry or exit;
Comment
- from your control or the control of any member of your immediate family, except where it has been
concealed either on or about the person and not left unattended, or the use of physical force or
violence against the person has been used or threatened;
- where the electronic equipment has been left unattended when it is away from your home;
- where reasonable precautions have not been taken;
- if the serial number has been tampered with in any way.
- Loss or damage caused by:
- you deliberately damaging or neglecting the electronic equipment;
- you not following the manufacturer's instructions;
- routine servicing, inspection, maintenance or cleaning;
- the use of accessories.
- Repair or other costs for:
- routine servicing, inspection, maintenance or cleaning;
- loss caused by a manufacturer's defect or recall of the electronic equipment;
- replacement of or adjustment to fittings, control knobs or buttons, batteries or aerials;
- repairs carried our by persons not authorised by us;
- wear and tear or gradual deterioration of performance.
- Any kind of damage whatsoever unless the damaged electronic equipment is provided for repair.
- Any loss involving a SIM (subscriber identity module) card.
- Any expense incurred as a result of not being able to use the electronic equipment, or any loss
other than the repair or replacement costs of the electronic equipment unless relating to unauthorized
call use for your mobile phone up to the maximum value of £100.
- The first £25 of each theft or accidental damage claim or the first £50 of each accidental loss claim
or the first £75 of each claim which occurs outside the UK, Isle of Man and Channel Islands.
- Loss of or damage to accessories of any kind.
- Any loss or damage caused by the failure of any electrical or computer equipment, software, micro-controller,
microchip, accessories or associated equipment to correctly recognise and process any calendar date or time.
- If the original SIM card was not in a mobile phone at the time of the loss, damage or theft.
Comment
- Reconnection costs or subscription fees of any kind.
- The cost of replacing any personalised ring tones or graphics, downloaded material or software.
Please note: if you are insuring an item without SIM card capability, all exclusions relating to SIM
cards are not applicable.
- War Risk
Terrorism, war, invasion, acts of foreign enemies, hostilities whether war is declared or not, civil
war, rebellion, revolution insurrection, military or usurped power, confiscation, nationalism or
requisition or destruction or damage to property by or under the order of any government or public
or legal authority.
- Nuclear Risk
Damage or destruction caused by, contributed to or arising from:
a. ionizing radiation or contamination by radioactivity from any nuclear fuel or from any
nuclear waste from the combustion of nuclear fuel; or
b. the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or component thereof.
- Sonic Boom
Damage or destruction directly occasioned by pressure waves caused by aircraft or other aerial
devices traveling at sonic or supersonic speeds.
- Loss of Data or Software
Any loss of or damage to information or data or software contained in or stored on the electronic
equipment whether arising as a result of a claim paid by this insurance or otherwise.
- Consequential Loss
Any consequential loss or damage arising from accidental damage, theft, accidental loss, breakdown or from any cause whatsoever.
- Liability of whatsoever nature arising from ownership or use of the electronic equipment, including
any illness or injury resulting from it.
- Value Added Tax (VAT) where you are registered with HM Revenue and Customs for VAT.
Replacement
This policy offers replacement only and is not a replacement as new policy. If the electronic equipment cannot
be replaced with an identical electronic equipment of the same age and condition, we will replace it with one
of comparable specification or the equivalent value taking into account the age and condition of the original
electronic equipment.
Conditions and limitations
1. Unless we have agreed differently with you, English law and the decisions of English courts will govern this insurance. Any contract will be based in English.
2. This insurance only covers an electronic item bought and used in the UK, the Isle of Man and the Channel Islands. Cover is
extended to include use of the electronic item anywhere in the world up to a maximum of 60 days in total, in any single 12 month
period, subject to any repairs being carried out in the UK by repairers approved by us.
3. The electronic item must be less than 6 months old (excluding Laptops which must be less than 3 months old) with valid
4. You must provide us with any receipts, documents or proof of purchase, that it is reasonable for us to request.
5. This insurance may only be altered, varied or its conditions altered or premium changed by one of our authorised officials, giving you 30 days notice in writing.
6. We may cancel the policy by giving you 30 days notice in writing. In the event of any claim you are responsible for the payment of any outstanding premium.
7. You cannot transfer the insurance to someone else or to another electronic item without our written permission.
8. You must take all reasonable precautions to prevent any loss or damage.
9. Cover excludes costs or payments recoverable from any party, under the terms of any other contract, guarantees, warranty, or insurance.
10. In respect of monthly policies if the Direct Debit premium payment is cancelled or unsuccessful at any given point,
no benefits shall be due whatsoever..
CANCELLATION
Your right to change your mind. You may cancel the insurance, without giving reason, by sending us written notice
and returning the insurance documents within 14 days of it starting of (if later) within 14 days of you receiving
the insurance documents.
Cancellation after the withdrawal period
If you wish to cancel your insurance and pay monthly you can do so in writing allowing one months notice.
For policies of longer duration you are only entitled to cancel within 14 days of receiving your policy
documents.
Claims procedure
1. You must:
- notify Supercover Insurance Plc on 0871 222 1130 as soon as possible in any event of any incident likely to
give rise to a claim under this insurance
- report the theft or accidental loss of any mobile phone or PDA, within 12 hours of discovery to your Airtime Provider
and blacklist your handset;
- report the theft or accidental loss of any electronic equipment to the Police within 24 hours of discovery and obtain
a crime reference number in support of a theft and a lost property number in support of an accidental loss claim;
- provide us with details of the claim and any other contract, guarantee, warranty or insurance that may apply to the
loss including but not limited to household insurance. Where appropriate a ratable proportion of the claim may be
recovered direct from these Insurers.
2. If we replace your electronic equipment the damaged or lost item becomes ours. If it is returned or found you must notify
us and send it to us if we ask you to.
To help us improve our service we may record or monitor telephone calls.
WARNING:
We will process your claim under the terms and conditions of this insurance based on the first reason notified to us for the
claim. If your claim is not covered and you then submit a claim having changed the reason we consider this as fraud. Details
of all such cases will be passed to appropriate agencies for action.
WARNING
We will process your claim under the terms and conditions of this insurance based on the first reason notified to us for the claim. If your claim is
not covered and you then submit a claim having changed the reason we consider this as fraud. Details of all such cases will be passed to appropriate agencies for action.
Complaints:
We are proud of our reputation for fairness in our treatment of our customers.
However, occasionally disputes or misunderstandings can arise.
Any enquiry or complaint you have regarding your Policy should be addressed to
The Customer Services Director, Supercover Insurance,
204 Cumberland House, 80 Scrubs Lane, London, NW10 6RS. You should provide details of your policy and in particular, your policy number,
to help with the speedy handling of your enquiry.
In the event you remain dissatisfied please write to:
Chief Executive of Equity Red Star.
Equity Red Star, 52 Leadenhall Street, London, EC3A 2BJ
After this action, if you are still not satisfied with the way a complaint has been dealt with, you may ask the Complaints Department at Lloyd's to review your case.
The address is: Complaints Department, Lloyd's, One Lime Street, London, EC3M 7HA
Phone: 020 7327 5693, Fax: 020 7327 5225, E-mail: Complaints@Lloyds.com
Having followed this procedure your complaint can be referred to the Financial Ombudsman Service (FOS).
The address is: South Quay Plaza, 183 Marsh Wall, Docklands. London, E14 9SR, Tel: 0845 080 1800
(These procedures do not affect your right to take legal action if necessary.)
COMPENSATION SCHEME
Equity Redstar Services Limited is covered by the Financial Services Compensation Scheme (FSCS). You may be
entitled to compensation from the scheme, if they cannot meet their obligations. This depends on the type of
business and the circumstances of the claim. Most insurance contracts are covered 100% of the first £2000
and 90% of the remainder of the claim. You can get more information about compensation scheme arrangements from the FSCS.
MOBILE PHONES ONLY- we will offer you a free battery subject to no claims being made within the first 12 month period of cover. 12 consecutive monthly
premiums must be paid. The free upgrade is subject to no claims being made within a 24 month period. 24 consecutive monthly premiums must be paid on
time. The free upgrade offer is also subject to signing a new 12 month agreement with your service provider and the return of your original handset.
If you are not able to upgrade with your service provider, you will not be eligible to receive the free upgrade.
These upgrade offers do not form part of your insurance contract with Equity Redstar Services Limited . If you have any questions or
complaints about the upgrade or battery offers, please contact Supercover Insurance Plc, 204 Cumberland House, 80 Scrubs Lane, London, NW10 6RF.
We will keep a record of your transaction and thereby the contract of purchase. Although the transaction details are not available to you,
you are able to cancel the contract at any time and thereby stop us protecting your electronic item.
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Non-Underwritten Terms
2u endeavours to give a fair and factual description of the insurance products contained on web pages controlled by 2u. However due to the nature of
the internet other websites may have linked to the 2u website after giving an explanation on their own website of the 2u insurance products and in these
cases the customer understands that 2u will not be held responsible for the wording of these 3rd party websites. The customer agrees that the wording of
other websites is wholly out of the control of 2u and only the wording on the 2u pages will be accepted as a description of the type of insurance the
customer will receive. The customer should take up any issues resulting from the wording on other websites with the owners of those websites or through the relevant channels.
However please feel free to report anything you find that may be misleading regarding any 2u product to compliance@2u.co.uk
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