Key Exclusions and Conditions

To fully understand the insurance cover you are about to receive and make sure our policy is suitable for your device, please read through the full terms and conditions.

At the start of your policy cover, your device must be less than three years old and supported with valid proof of purchase from a UK VAT registered company. Your claim will be invalidated if your device exceeds the age limit or if you are unable to provide proof of purchase.

1. Your policy provides unlimited replacements and repairs per device during each 12-month period of your policy.

2. Details of any replacement device (IMEI/serial number) must be sent with proof of purchase to Mobile Phone Insurance Direct in writing or by email.

3. Your device must be less than three years old and supported with valid proof of purchase from a UK VAT registered company.

4. Second-hand or used devices cannot be covered by our policy, regardless of where they have been purchased.

5. Policy cover is subject to payment of the premium by direct debit, credit card or PayPal – premiums must be up to date other than during the cooling off period.

6. You must be a UK resident and at least 18 years of age at the start of your policy cover.

7. In the event of fraud non-disclosure or alteration of risk, the policy can be cancelled.

8. Any claims which would be covered under any other device insurance policy.

9. If we replace your device, the damaged item falls under our possession. If it is returned or found, you must notify Mobile Phone Insurance Direct and send it to us if requested.

10. All other costs are specifically excluded 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 device up to a maximum of £10,000.

 

Applying to all sections of the policy, we will not pay for:

  • Any claim where outstanding referrals exist and validation proof has not been supplied.
  • The policy excess.
  • Any claim where all reasonable precautions have not been taken.
  • Any claim where the circumstances cannot be clearly identified – i.e. if you are unable to confirm the date and time of the occurrence.
  • Any claim where proof of usage cannot be provided or evidenced and must show the IMEI of the device on cover
  • The cost of replacing any stored data, including but not limited to: 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.
  • Theft or loss of the device, if you have not notified your network provider and blacklisted it within 24 hours of discovering the loss or theft.
  • Theft or loss of the device, from any mode of public transport whilst left unattended.
  • Theft or loss of the device, left unattended when it is away from your home.
  • Theft or loss of the device, if you have not reported it to the police within 48 hours and where you have not obtained a valid crime reference number.
  • Any claim presented under loss as an alternative to an unsuccessful theft claim.
  • Repairs carried out by third-party repair centres not authorised or agreed for use by Mobile Phone Insurance Direct.
  • Correction of devices where inadequate repairs have been carried out by third-party repair centres.
  • Cosmetic damage that does not affect the functionality or operation of your device.
  • Any amount recoverable under any guarantee warranty or other insurance.
  • Any wear and tear, or gradual deterioration of performance of your device.
  • Any consequence, howsoever caused, including but not limited to: computer virus in electronic data being lost, destroyed, distorted, altered, or other corrupted.
  • Liability of any nature arising from ownership or use of the device, including any illness or injury resulting from it.
  • The cost of routine inspection service adjustment, cleaning, or any damage caused to the device during these processes.
  • Repair or replacement arising as a result of negligent use, wilful abuse, or misuse.