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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. this cover provides unlimited replacements and repairs per device during each 12 month calendar period of your policy

2. details of any replacement of the device (IMEI/serial number) must be advised to us with proof of purchase in writing or by e-mail to us (support@mobilephoneinsurancedirect.com)

3. the device age must be less than thirty six months old at policy inception and supported with a valid proof of purchase from a UK VAT registered company

4. second hand or used devices cannot be covered under this policy, unless such have been purchased either directly from the manufacturer or from a UK VAT registered company

5. cover under this policy is subject to the payment of the premium by direct debit, credit card or PayPal and premiums being up to date other than during the cooling off period

6. you must be at least 18 years of age at the time of policy inception and a UK resident

7. any claim which would be covered under any other device insurance policy

8. if we replace your device 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

9. 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 new claim for the device if there is already an ongoing claim which has not been finalised due to any outstanding referrals and/or is awaiting validation proof that has not yet been supplied
  • the policy excess
  • any claim where all reasonable precautions have not been taken
  • any claim notified where pre-existing damage is evident and occurred prior to the inception of your policy
  • any claim where the circumstances cannot be clearly identified i.e. where you are unable to confirm the date and time of the occurrence
  • any claim made, or any event causing the claim to be made, that occurs within the first 14 days of the inception date of your policy
  • 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 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
  • theft or loss of the device where you have not notified your network provider and blacklisted it within 24 hours of discovery of loss or theft
  • theft or loss of the device not reported to the police within 48 hours and where you have not obtained 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 us
  • 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
  • wear and tear or gradual deterioration of performance of your device
  • 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 or 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
  • any direct or indirect consequence of war, civil war, invasion, acts of foreign enemies (whether war be declared or not), rebellion, revolution, insurrection, military or usurped power, or confiscation, nationalisation, requisition, destruction of or damage to property by or under the order of any government, local or public authority
  • any direct or indirect consequence of terrorism as defined by the Terrorism Act 2000 and any amending or substituting legislation
  • any direct or indirect consequence of: Irradiation, or contamination by nuclear material; or the radioactive, toxic, explosive or other hazardous or contaminating properties of any radioactive matter; or any device or weapon which employs atomic or nuclear fission or fusion or other comparable reaction or radioactive force or matter
  • any consequence, howsoever caused, including but not limited to Computer Virus of Electronic Data being lost, destroyed, distorted, altered, or otherwise corrupted. For the purposes of this Policy, Electronic Data shall mean facts, concepts and information stored to form useable data for communications, interpretations, or processing by electronic or electromechanical data processing or other electronically controlled hardware, software and other coded instructions for the processing and manipulation of data, or the direction and manipulation of such hardware. For the purposes of this Policy, Computer Virus shall mean a set of corrupting, harmful, or otherwise unauthorised instructions or code, whether these have been introduced maliciously or otherwise, and multiply themselves through a computer system or network of whatsoever nature