the uk's fastest growing mobile phone insurance specialists

terms & conditions

policy coverage summary

No contracts
Simple monthly instalments by Direct Debit and the first month is FREE
Initial Direct Debit payment
The first installment will be taken by Direct Debit 4 weeks from the start date of your mobile phone insurance policy
Theft
If Your Equipment is stolen We will replace it, subject to the Terms & Conditions.
Loss
LOSS cover for only £1 extra per month. For extra peace of mind add loss to your policy
Accidental & liquid damage
We will pay repair costs if Your Equipment is damaged as a result of an accident, subject to the Terms & Conditions.
Extended warranty
If Your Equipment develops an Electrical or Mechanical fault outside of the manufacturers warranty period We will pay for repair costs, subject to the Terms & Conditions of Your policy
Airtime abuse
We will pay for the cost of unauthorized calls in the event that Your Equipment is stolen and subject to the Terms & Conditions of Your policy.
International cover
Your Equipment is covered up to a maximum of 60 days during any one calendar year anywhere in the world

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full policy terms and conditions

Mobile Phone Insurance Direct (click to view)

Electronic Equipment Terms & Conditions

Definitions

  1. "Airtime Abuse" shall mean airtime charges incurred by unknown persons following the Theft of Your Electronic Equipment which results in a successful claim under the Theft section of this insurance policy
  2. Commercial Vehicle shall mean 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
  3. "Electronic Equipment" shall mean iPads, iPhones and Mobile Phones Insured by Us and purchased by You as detailed in Your policy documents
  4. Insurer(s) shall mean UK General Insurance Limited on behalf of Ageas Insurance Ltd
  5. Reasonable precautions - all measures that it would be reasonable to expect a person to take in the circumstances to prevent a claim under the policy.
  6. "Unattended" shall mean not within Your sight at all times and/or out of Your arms-length reach
  7. Terrorism shall mean 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.
  8. "We/Us/Our" shall mean Pier Insurance Managed Services Limited
  9. "You/Your" shall mean the private individual or company detailed on the policy schedule

Your Cover

UK General Insurance Limited on behalf of Ageas Insurance Ltd Registered in England No.354568 Registered Office Ageas House Tollgate Eastleigh Hampshire SO53 3YA (the Insurer) will subject to the exclusions and conditions indemnify You by payment or at its option by replacement (with identical Electronic Equipment or Electronic Equipment of comparable specification) or repair in respect of accidental damage liquid damage electrical or mechanical breakdown or theft of the Electronic Equipment occurring during the Period of Insurance. For Airtime Abuse the maximum indemnity provided under this insurance is limited to £100 in total during any 12 consecutive month period.

In return for the payment of Your premium We will provide insurance for Your Electronic Equipment during the period of cover as stated in Your policy documents and subject to the terms, conditions and exclusions shown below or as amended in writing by Us. This is a monthly rolling contract which will renew monthly until cancelled by either party and is only in force if the monthly premium has been paid and has a minimum term of 12 months with cover limited to one replacement per insured item per year.

Accidental Damage & Liquid Damage

Insurers will pay repair costs if Your Electronic Equipment is damaged as a result of an accident, subject to the Policy Terms & Conditions.
Theft
If Your Electronic Equipment is stolen Insurers will replace it, subject to the Policy Terms & Conditions.
Airtime Abuse
Insurers will pay for the cost of unauthorized calls in the event that Your Electronic Equipment is stolen and subject to the Terms & Conditions of Your policy.
Extended Warranty
If Your Electronic Equipment develops an Electrical or Mechanical fault outside of the manufacturers warranty period Insurers will pay for repair costs, subject to the Terms & Conditions of Your policy.
International Coverage
Your Electronic Equipment is covered up to a maximum of 60 days during any one calendar year anywhere in the world.

What is not covered

What Your Electronic Equipment is not covered for;

Theft

  • theft of the Electronic Equipment from any Commercial Vehicle, convertible or soft top vehicle
  • theft of the Electronic Equipment from any vehicle unless all windows are closed all doors are securely locked all security devices are activated and the Electronic Equipment is concealed from view in a locked glove compartment locked boot or locked load area
  • theft of the Electronic Equipment from any premises unless it involves forcible and violent entry or exit or
  • theft of the Electronic Equipment from any mode of transport whilst left Unattended
  • theft of the Electronic Equipment from the person of the user unless involving force or the threat thereof
  • theft of the Electronic Equipment whilst left Unattended when it is away from Your home
  • if the serial number has been tampered with in any way
  • theft where the circumstances cannot be clearly identified i.e where You are unable to confirm the date and time of occurrence.

Loss or Damage caused by

  • repair or replacement arising as a result of negligent use wilful abuse or misuse
  • the cost of replacing or repairing accessories or costs arising from the use of accessories
  • the cost of routine inspection service adjustment or cleaning or any damage caused to the Electronic Equipment during these processes

Repair or other costs for

  • repairs carried out by persons not authorised by Us.
  • loss of the Electronic Equipment
  • any other costs that are directly or indirectly caused by the event which led to Your claim unless specifically stated in this policy unless relating to Airtime Abuse for Your Electronic Equipment up to a maximum of £100.
  • the cost of replacing any stored data including but not limited to tunes songs personalised ring tones pictures films graphics downloaded material or software whether arising as a result of a claim paid by this insurance or otherwise.
  • the policy excess as detailed below.
  • damage to the battery or aerial or cosmetic damage
  • any amount recoverable under any guarantee warranty or other insurance.
  • wear and tear or gradual deterioration of performance of Your Electronic Equipment.
  • any damage or fault caused by any form of electronic virus.
  • liability of any nature arising from ownership or use of the Electronic Equipment including any illness or injury resulting from it.

General Exclusions

  1. War Risk
    1. 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.
  2. Nuclear Risk
    1. Damage or destruction caused by, contributed to or arising from:
      1. ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel: or
      2. the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or component thereof.

Conditions

  1. The schedule and the policy shall be read together as one document and any word or expression to which a specific meaning has been attached shall bear such specific meaning wherever it may appear.
  2. All Reasonable Precautions must be taken to prevent damage to or theft of the Electronic Equipment.
  3. Details of any replacement of the Electronic Equipment (IMEI/serial number) must be advised to Us with proof of purchase in writing or by e-mail to Us (insure@pierinsurance.com).
  4. Cover under this policy is subject to the payment of the premium by direct debit or credit card Premiums must be up to date and are non-refundable after the insurance cover has commenced other than during the cooling off period.
  5. This policy will be voidable in the event of fraud non disclosure or alteration of risk.
  6. Each party is entitled to cancel the insurance at any time giving not less than 30 days notice to the other in writing as premiums are payable monthly there will be no refund of premium due in the event of cancellation.
  7. If You pay monthly and make a claim You will be required to pay the premium for the minimum term (12 months) in advance before We can authorise any claim.
  8. If We replace Your Electronic Equipment the damaged item becomes Ours. If it is returned or found You must notify Us and send it to Us if we ask You to

Policy Excess

You will be responsible for the first £75 of any Theft claim.
You will be responsible for the first £50 of any Accidental Damage with respect to claims for iPhones, iPads and Mobile Phones which must be paid before Your claim can be approved.

Claims Procedure

In the event of a claim You must:

  1. advise the police within 24 hours if there has been theft or vandalism and obtain a crime reference number Lost property numbers are not acceptable in support of a claim.
  2. advise Us by telephone as soon as possible and in any event within 48 hours on the claims hotline number - 01702 568075.
  3. provide at Your own expense a claim form and all details and evidence as may be reasonably required within 30 days of receipt.
  4. notify the appropriate air time provider within 12 hours of discovery

Orange 07973 100150 T-Mobile 08454 125000
Vodafone 07002 191191 0-2 08705 860860
3 08707 330333

UK General Insurance Limited is an agent of Ageas Insurance Ltd and in claims matters act on their behalf

Insurers will process Your claim under the terms and conditions of the policy based on the first reason notified to Us. If Your claim is not covered and You change the reason We consider this fraud and as such will be notified to the appropriate agency.

Replacement

  1. This policy is not a replacement as new policy. If the Electronic Equipment cannot be replaced with identical Electronic Equipment of the same age and condition Insurers will replace it with a comparable model or the equivalent value taking into account the age and condition of the original electronic equipment.
  2. In the event of a valid claim resulting in the replacement of the Electronic Equipment this policy will not cover the item or items of replacement equipment during the remainder of the minimum term in which the claim has been settled. However, the replacement Electronic Equipment may be insured on payment of an additional premium.

Territorial Limits of Policy

Great Britain Northern Ireland Isle of Man The Channel Islands or the Republic of Ireland and up to 60 days during any one calendar year elsewhere in the World.

Compensation Scheme

Ageas Insurance Ltd 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 for 90% of the claim with no upper limit. You can get more information about compensation scheme arrangements from the FSCS or visit www.fscs.org.uk
Pier Insurance Managed Services Limited Ageas Insurance Ltd and General Insurance Limited are authorised and regulated by the Financial Services Authority This can be checked on the FSA's register by visiting the FSA's website at www.fsa.gov.uk/register or by contacting them on 0845 606 1234

Period of Insurance

This insurance commences at the time of purchase for a period of one month and will continue to be renewed by periods of one month upon receipt of Your monthly premium.

Cooling off period

You may cancel this policy within 14 days of receiving it by contacting Us at the address shown in this policy Provided no claim has been made a full refund of premium paid by You will be given

Complaints Procedure

It is the intention to give You the best possible service but if You do have any questions or concerns about this Insurance or the handling of a claim you should in the first instance contact the Scheme Administrator The contact details are:
Scheme Administrator Pier Insurance Managed Services Limited
Suite 7 Chalkwell Lawns 648-656 London Road Westcliff on Sea Essex SS0 9HR
Tel 01702 568075 Fax 01702 222841 Email enquiries@pierinsurance.com

Please ensure Your policy number is quoted in all correspondence to assist a quick and efficient response

In the event You remain dissatisfied and wish to make a complaint You can do so by contacting the following:

The Customer Relations Manager UK General Insurance Limited Cast House, Old Mill Business Park Gibraltar Island Road, Leeds LS10 1RJ Tel: 0845 218 2685 Email: customerrelations@ukgeneral.co.uk

If it is not possible to reach an agreement, you have the right to make an appeal to the Financial Ombudsman Service. This also applies if you are insured in a business capacity and have an annual turnover of less than €2 million and fewer than ten staff. You may contact the Financial Ombudsman Service at:

Financial Ombudsman Service
South Quay Plaza 183 Marsh Wall Docklands London E14 9SR
Tel; 0845 080 1800 The above complaints procedure is in addition to your statutory rights as a consumer. For further information about your statutory rights contact your local authority Trading Standards Service or Citizens Advice Bureau.

Law applicable to the contract

Under United Kingdom law the parties to the contract have the right to choose the law which should apply In the absence of any agreement to the contrary English law will apply

Data Protection

The data supplied by You will be used by Us for the purposes of processing Your policy of insurance including underwriting administration and handling any claim which may arise The data supplied may also be used by Pier Insurance Managed Services Limited or any group company to contact You from time to time in order to notify You of other goods and services that We offer If You do not consent to such use of Your personal data please email Us at enquiries@pierinsurance.com

It is important that the data You have supplied is kept up to date You should therefore notify Us promptly of any changes You are entitled upon payment of an administration fee (currently £10) to inspect the personal data which We are holding about You If You wish to make such an inspection You should contact: Pier Insurance Managed Services Limited Suite 7 Chalkwell Lawns 648-656 London Road Westcliff-on-Sea Essex SS0 9HR

We may respond to enquiries by the Police concerning Your policy in the normal course of their investigations Where it is necessary to administer Your policy effectively or to protect Your interests We may disclose the data You have supplied to other third parties such as solicitors loss adjusters motor garages engineers repairers replacement companies other insurers etc
We may exchange information with third parties for the purposes of fraud protection and credit risk reduction We may transfer our bases containing Your personal information if We sell Our business or part of it

Statement of Demands and Needs

This product meets the demands and needs of those who wish to insure their mobile phone against Accidental Damage, liquid damage, theft and extended warranty. We have not provided You with advice on this insurance cover.

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Mobile Phone Insurance Direct with Loss (click to view)

Electronic Equipment Terms & Conditions

Definitions

  1. Accidental Loss means that the electronic equipment has been accidentally left by you in a location and you are permanently deprived of its use.
  2. "Airtime Abuse" shall mean airtime charges incurred by unknown persons following the Theft of Your Electronic Equipment which results in a successful claim under the Theft section of this insurance policy
  3. Commercial Vehicle shall mean 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
  4. "Electronic Equipment" shall mean iPads, iPhones and Mobile Phones Insured by Us and purchased by You as detailed in Your policy documents
  5. Insurer(s) shall mean UK General Insurance on behalf of Ageas Insurance Ltd
  6. Reasonable precautions - all measures that it would be reasonable to expect a person to take in the circumstances to prevent a claim under the policy.
  7. "Unattended" shall mean not within Your sight at all times and/or out of Your arms-length reach
  8. Terrorism shall mean 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.
  9. "We/Us/Our" shall mean Pier Insurance Managed Services Limited
  10. "You/Your" shall mean the private individual or company detailed on the policy schedule

Your Cover

UK General Insurance Limited on behalf of Ageas Insurance Ltd Registered in England No.354568 Registered Office Ageas House Tollgate Eastleigh Hampshire SO53 3YA (the Insurer) will subject to the exclusions and conditions indemnify You by payment or at its option by replacement (with identical Electronic Equipment or Electronic Equipment of comparable specification) or repair in respect of accidental damage liquid damage electrical or mechanical breakdown loss or theft of the Electronic Equipment occurring during the Period of Insurance. For Airtime Abuse the maximum indemnity provided under this insurance is limited to £100 in total during any 12 consecutive month period.

In return for the payment of Your premium We will provide insurance for Your Electronic Equipment during the period of cover as stated in Your policy documents and subject to the terms, conditions and exclusions shown below or as amended in writing by Us. This is a monthly rolling contract which will renew monthly until cancelled by either party and is only in force if the monthly premium has been paid and has a minimum term of 12 months with cover limited to one replacement per insured item per year.

Accidental Damage & Liquid Damage

Insurers will pay repair costs if Your Electronic Equipment is damaged as a result of an accident, subject to the Policy Terms & Conditions.

Theft

If Your Electronic Equipment is stolen Insurers will replace it, subject to the Policy Terms & Conditions.

Accidental Loss

If Your Electronic Equipment is accidentally lost Insurers will replace it subject to the Policy Terms & Conditions.

Airtime Abuse

Insurers will pay for the cost of unauthorized calls in the event that Your Electronic Equipment is stolen and subject to the Terms & Conditions of Your policy.

Extended Warranty

If Your Electronic Equipment develops an Electrical or Mechanical fault outside of the manufacturers warranty period Insurers will pay for repair costs, subject to the Terms & Conditions of Your policy.

International Coverage

Your Electronic Equipment is covered up to a maximum of 60 days during any one calendar year anywhere in the world.

What is not covered

What Your Electronic Equipment is not covered for;

Theft

  • theft of the Electronic Equipment from any Commercial Vehicle, convertible or soft top vehicle
  • theft of the Electronic Equipment from any vehicle unless all windows are closed all doors are securely locked all security devices are activated and the Electronic Equipment is concealed from view in a locked glove compartment locked boot or locked load area
  • theft of the Electronic Equipment from any premises unless it involves forcible and violent entry or exit or
  • theft of the Electronic Equipment from any mode of transport whilst left Unattended
  • theft of the Electronic Equipment from the person of the user unless involving force or the threat thereof
  • theft of the Electronic Equipment whilst left Unattended when it is away from Your home
  • if the serial number has been tampered with in any way
  • theft where the circumstances cannot be clearly identified i.e where You are unable to confirm the date and time of occurrence.

Loss or Damage caused by

  • any incident except where it has been concealed on Your person and whilst not left Unattended
  • repair or replacement arising as a result of negligent use wilful abuse or misuse
  • the cost of replacing or repairing accessories or costs arising from the use of accessories
  • the cost of routine inspection service adjustment or cleaning or any damage caused to the Electronic Equipment during these processes
  • loss where the circumstances cannot be clearly identified i.e where You are unable to confirm the date and time of occurrence.

Repair or other costs for

  • repairs carried out by persons not authorised by Us.
  • any other costs that are directly or indirectly caused by the event which led to Your claim unless specifically stated in this policy unless relating to Airtime Abuse for Your Electronic Equipment up to a maximum of £100.
  • the cost of replacing any stored data including but not limited to tunes songs personalised ring tones pictures films graphics downloaded material or software whether arising as a result of a claim paid by this insurance or otherwise.
  • the policy excess as detailed below.
  • damage to the battery or aerial or cosmetic damage
  • any amount recoverable under any guarantee warranty or other insurance.
  • wear and tear or gradual deterioration of performance of Your Electronic Equipment.
  • any damage or fault caused by any form of electronic virus.
  • liability of any nature arising from ownership or use of the Electronic Equipment including any illness or injury resulting from it.

General Exclusions

  1. War Risk
    1. 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.
  2. Nuclear Risk
    1. Damage or destruction caused by, contributed to or arising from:
      1. ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel: or
      2. the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or component thereof.

Conditions

  1. The schedule and the policy shall be read together as one document and any word or expression to which a specific meaning has been attached shall bear such specific meaning wherever it may appear.
  2. All Reasonable Precautions must be taken to prevent damage to or theft of the Electronic Equipment.
  3. Details of any replacement of the Electronic Equipment (IMEI/serial number) must be advised to Us with proof of purchase in writing or by e-mail to Us (insure@pierinsurance.com).
  4. Cover under this Insurance Policy is subject to the payment of the premium by direct debit or credit card Premiums must be up to date and are non-refundable after the insurance cover has commenced other than during the cooling off period.
  5. This policy will be voidable in the event of fraud non disclosure or alteration of risk.
  6. Each party is entitled to cancel the insurance at any time giving not less than 30 days notice to the other in writing as premiums are payable monthly there will be no refund of premium due in the event of cancellation.
  7. If You pay monthly and make a claim You will be required to pay the premium for the minimum term (12 months) in advance before We can authorise any claim.
  8. If We replace Your Electronic Equipment the damaged item becomes Ours. If it is returned or found You must notify Us and send it to Us if we ask You to

Policy Excess

You will be responsible for the first £75 of any Loss or Theft claim.
You will be responsible for the first £50 of any Accidental Damage with respect to claims for iPhones, iPads and Mobile Phones which must be paid before Your claim can be approved.

Claims Procedure

In the event of a claim You must:

  • advise the police within 24 hours if there has been theft or vandalism and obtain a crime reference number Lost property numbers are not acceptable in support of a claim.
  • advise Us by telephone as soon as possible and in any event within 48 hours on the claims hotline number - 01702 568075.
  • provide at Your own expense a claim form and all details and evidence as may be reasonably required within 30 days of receipt.
  • notify the appropriate air time provider within 12 hours of discovery

Orange 07973 100150 T-Mobile 08454 125000
Vodafone 07002 191191 0-2 08705 860860
3 08707 330333

UK General Insurance Limited is an agent of Ageas Insurance Ltd and in claims matters act on their behalf

Insurers will process Your claim under the terms and conditions of the policy based on the first reason notified to Us. If Your claim is not covered and You change the reason We consider this fraud and as such will be notified to the appropriate agency.

Replacement

  1. This policy is not a replacement as new policy. If the Electronic Equipment cannot be replaced with identical Electronic Equipment of the same age and condition Insurers will replace it with a comparable model or the equivalent value taking into account the age and condition of the original electronic equipment.
  2. In the event of a valid claim resulting in the replacement of the Electronic Equipment this policy will not cover the item or items of replacement equipment during the remainder of the minimum term in which the claim has been settled. However, the replacement Electronic Equipment may be insured on payment of an additional premium.

Territorial Limits of Policy

Great Britain Northern Ireland Isle of Man The Channel Islands or the Republic of Ireland and up to 60 days during any one calendar year elsewhere in the World.

Compensation Scheme

Ageas Insurance Ltd 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 for 90% of the claim with no upper limit. You can get more information about compensation scheme arrangements from the FSCS or visit www.fscs.org.uk

Pier Insurance Managed Services Limited Ageas Insurance Ltd and UK General Insurance Limited are authorised and regulated by the Financial Services Authority This can be checked on the FSA's register by visiting the FSA's website at www.fsa.gov.uk/register or by contacting them on 0845 606 1234

Period of Insurance

This insurance commences at the time of purchase for a period of one month and will continue to be renewed by periods of one month upon receipt of Your monthly premium.

Cooling off period

You may cancel this policy within 14 days of receiving it by contacting Us at the address shown in this policy Provided no claim has been made a full refund of premium paid by You will be given

Complaints Procedure

It is the intention to give You the best possible service but if You do have any questions or concerns about this Insurance or the handling of a claim you should in the first instance contact the Scheme Administrator The contact details are:
Scheme Administrator Pier Insurance Managed Services Limited
Suite 7 Chalkwell Lawns 648-656 London Road Westcliff on Sea Essex SS0 9HR
Tel 01702 568075 Fax 01702 222841 Email enquiries@pierinsurance.com

Please ensure Your policy number is quoted in all correspondence to assist a quick and efficient response

In the event You remain dissatisfied and wish to make a complaint You can do so by contacting the following:

The Customer Relations Manager UK General Insurance Limited Cast House, Old Mill Business Park Gibraltar Island Road, Leeds LS10 1RJ Tel: 0845 218 2685 Email: customerrelations@ukgeneral.co.uk

If it is not possible to reach an agreement, you have the right to make an appeal to the Financial Ombudsman Service. This also applies if you are insured in a business capacity and have an annual turnover of less than €2 million and fewer than ten staff. You may contact the Financial Ombudsman Service at:

Financial Ombudsman Service
South Quay Plaza 183 Marsh Wall Docklands London E14 9SR
Tel; 0845 080 1800 The above complaints procedure is in addition to your statutory rights as a consumer. For further information about your statutory rights contact your local authority Trading Standards Service or Citizens Advice Bureau.

Law applicable to the contract

Under United Kingdom law the parties to the contract have the right to choose the law which should apply In the absence of any agreement to the contrary English law will apply

Data Protection

The data supplied by You will be used by Us for the purposes of processing Your policy of insurance including underwriting administration and handling any claim which may arise The data supplied may also be used by Pier Insurance Managed Services Limited or any group company to contact You from time to time in order to notify You of other goods and services that We offer If You do not consent to such use of Your personal data please email Us at enquiries@pierinsurance.com

It is important that the data You have supplied is kept up to date You should therefore notify Us promptly of any changes You are entitled upon payment of an administration fee (currently £10) to inspect the personal data which We are holding about You If You wish to make such an inspection You should contact: Pier Insurance Managed Services Limited Suite 7 Chalkwell Lawns 648-656 London Road Westcliff-on-Sea Essex SS0 9HR

We may respond to enquiries by the Police concerning Your policy in the normal course of their investigations Where it is necessary to administer Your policy effectively or to protect Your interests We may disclose the data You have supplied to other third parties such as solicitors loss adjusters motor garages engineers repairers replacement companies other insurers etc
We may exchange information with third parties for the purposes of fraud protection and credit risk reduction We may transfer our bases containing Your personal information if We sell Our business or part of it

Statement of Demands and Needs

This product meets the demands and needs of those who wish to insure their mobile phone against Accidental Damage, liquid damage, theft and extended warranty. We have not provided You with advice on this insurance cover.

Equipment Insurance Summary of Cover

This policy summary does not contain the full terms and conditions of the policy. These can be found in the policy terms and conditions document. The insurance is underwritten by UK General Insurance Limited Insurance on behalf of Ageas Insurance Ltd.

What is covered by the Policy?

The policy covers Your Electronic Equipment for:

  • Accidental Damage
  • Liquid Damage
  • Theft
  • Loss
  • Worldwide Cover
  • Extended Warranty

How long is the Policy period and cancellation?

  • You may cancel the policy within 30 days by calling 01702 568075. You may cancel the policy at any time outside of the first 30 days by writing to: The Scheme Administrator, Pier Insurance Managed Services Ltd, Suite 7 Chalkwell Lawns, 646-656 London Road, Westcliff on Sea, Essex, SS0 9HR
  • You will have to pay a monthly premium each month to maintain Your cover. The insurance lasts for periods of one month at a time and will continue until the policy is cancelled in accordance with the criteria set out under "Conditions" in the policy terms and conditions document.
  • If you pay monthly and make a claim you will be required to pay the premium for the minimum term (12 months) in advance before we can authorise any claim.

What are the Benefits provided by and Exclusions or Limitations of the Policy?

Benefits Provided by the Policy Exclusions and Limitations of the Policy

Accidental Damage

  • Insurers will repair or replace Your Electronic Equipment if it is accidentally damaged

Liquid Damage

  • Insurers will repair or replace your Electronic Equipment if it is damaged by liquid

Theft

  • If Your Electronic Equipment is stolen Insurers will replace it

You must advise the police within 24 hours if there has been theft and obtain a crime reference number. Lost property numbers are not acceptable in support of a claim.

Loss

  • If Your Electronic Equipment is lost Insurers will replace it subject to the full Terms and Conditions

You must advise the Police within 24 hours if there has been loss and obtain a lost property reference number. Your Electronic Equipment will not be covered if it has been left Unattended.

Worldwide Cover

  • Your policy will cover Your Electronic Equipment outside of the UK

Cover is limited to 60 days in a 12-month period. See "Territorial Limits" on Your policy terms and conditions document

Extended Warranty
Your policy will extend Your manufacturers warranty for as long as You continue to pay Your monthly premium

Minimum term of 12 months

In the event of a claim being notified the remainder of the premium for the unexpired term of the policy will become payable before the claim is authorised.

What Excess Do I have to pay?

Your policy has a compulsory excess which can be found within Your Terms and Conditions

How Do I Make a Claim?

You can notify a claim by calling our claims hotline on 01702 568075 between 09:00am and 5:30pm Monday to Friday.

How Do I Make a Complaint?

If You have a complaint please write to The Scheme Administrator, Pier Insurance Managed Services Limited, Suite 7 Chalkwell Lawns 648-656 London Road, Westcliff-on-sea Essex SS0 9HR, Tel 01702 568075, Fax 01702 222841, Email: enquiries@pierinsurance.com If We are unable to resolve the problem We will provide You with information about how You may refer Your complaint to the Financial Ombudsman. Full details of our complaints procedure may be found in Your Policy Document.

Compensation Scheme?

You may be entitled to compensation from the Financial Services Compensation Scheme if Ageas Insurance Limited cannot meet its liabilities.

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Website Terms of Use (click to view)
  1. Website Operator
    1. This website is operated by Mobile Phone Insurance Direct.
  2. Licence
    1. Mobile Phone Insurance Direct lets you use this website on the following basis. This use is not exclusive to you.
    2. Mobile Phone Insurance Direct may stop your use or the provision of the website at any time and does not have to tell you before then.
    3. Mobile Phone Insurance Direct reserves the rights to change these terms and conditions at any time by posting changes online. Your continued use of this site after changes are posted constitutes your acceptance of this agreement as modified.
    4. You agree to use this site only for lawful purposes, and in a manner which does not infringe the rights, or restrict, or inhibit the use and enjoyment of the site by any third party.
  3. Materials in Site
    1. This website contains material which Mobile Phone Insurance Direct owns or is allowed to use. This material includes, amongst other things, its design, layout, look, appearance and graphics. It is protected by copyright and other intellectual property laws.
    2. You may view, use, download and store the material on this website for personal and research use only but not for any commercial use. You may not distribute, publish, or otherwise make available the material on this website to third parties without asking Mobile Phone Insurance Direct first or it may be a criminal offence and lead to legal action for damages.
    3. Documents may be copied for personal use only on the condition that copyright and source indications are also copied, no modifications are made and the document is copied entirely. However, some documents and photos have been published on this site with the permission of the relevant copyright owners (who are not Mobile Phone Insurance Direct). All rights are reserved on these documents and permission to copy them must be requested from the copyright owners (the sources are indicated within these documents/photographs).
  4. Accuracy of Information
    1. The information in this website is for general information/interest only and may change without prior notice. Mobile Phone Insurance Direct has tried to ensure the material is accurate but does not guarantee this. Mobile Phone Insurance Direct does not accept responsibility for errors. Clause 6.3 is the exception to this.
    2. The information in this website should not be relied on and is not to be taken as advice or recommendation. By using this website you confirm that you have not relied on any such information. If you choose to make any arrangements with any third party referred to on this website you do so at your own risk and responsibility.
    3. The information made available by Mobile Phone Insurance Direct on this website does not form part of any contract and should not be seen as an offer to do so.
  5. Linking
    1. This website may contain links to other websites. Mobile Phone Insurance Direct accepts no responsibility or liability for the content of other websites which are not under its strict control. Link(s) are not intended to be a recommendation of any kind by Mobile Phone Insurance Direct of another website, and should not be seen as such.
    2. You may not create a link to this website from another website or document without first asking Mobile Phone Insurance Direct.
  6. Liability
    1. Mobile Phone Insurance Direct does not guarantee that this website will be compatible with all hardware and software which you may use when trying to visit this site.
    2. Except for under clause 6.3, Mobile Phone Insurance Direct will be under no liability to you whatsoever regardless of how it is caused arising out of or in connection with the use of this website or the use, accessing, downloading or relying on any information or other materials contained in this website. This includes the risks of working online (i.e. any damage caused by any computer virus).
    3. These terms and conditions do not exclude Mobile Phone Insurance Direct's liability (if any) to you for personal injury or death resulting from Mobile Phone Insurance Direct's negligence, for fraud or for any matter which it would be illegal for Mobile Phone Insurance Direct to exclude or to attempt to exclude its liability. Otherwise they do exclude any actions brought in negligence or otherwise.
  7. Privacy
    1. Mobile Phone Insurance Direct is registered under the terms of the 1988 Data Protection Act, and we are committed to protecting your privacy. Personal information entered online will be held securely, and will not be used for any other purposes other than those for which you have given us permission.
    2. In disclosing your personal information you agree to the collection, storage and processing of your personal information by us. Your personal information will be used for internal administration/analysis, or to inform you about events that we think will interest you.
    3. Mobile Phone Insurance Direct will never pass your personal information on to third parties without your explicit consent.
  8. Complete Agreement
    1. These terms and conditions contain all the terms which you and Mobile Phone Insurance Direct have agreed in relation to the use of the website.
  9. Jurisdiction and acceptance of these terms and conditions
    1. This website is controlled and operated by Mobile Phone Insurance Direct from its offices in England (see clause 1). Any dispute relating to any of the materials contained in this website shall be governed by English law. This includes the construction, performance, validity of these terms and any question about any of the content of this website.
    2. The English and Welsh courts shall have exclusive jurisdiction to settle any disputes about these terms or use of the website.
    3. Your continued use of this website indicates your acceptance of these terms.

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