MOBILE PHONE AND GADGET THEFT, DAMAGE & EXTENDED WARRANTY INSURANCE POLICY TERMS AND CONDITIONS

This insurance is arranged by Warranty & Creditor Services of 6 Faraday Office Park, Rankine Road, Basingstoke, RG24 8QB.
It is underwritten by Novus Underwriting Limited on behalf of Helvetia Schweizerische Versicherungsgesellschaft in Liechtenstein AG

Warranty & Creditor Services, is authorised and regulated by the Financial Conduct Authority. This can be checked on the FCA register by visiting the FCA website at www.fca.org.uk/register/ or by contacting them on 0800 111 6768.

Novus Underwriting Limited: registered office Cumberland House, 129 High Street, Billericay CM12 9AH. Registered in England number 10844265. Novus Underwriting Limited is an appointed representative of Direct Insurance Group PLC registered office 129 High Street, Billericay CM12 9AH. Registered in England number 03149879. Authorised and regulated by the Financial Conduct Authority (FCA) reference number 306080. Helvetia Schweizerische Versicherungsgesellschaft in Liechtenstein AG of Herrengasse 11 Vaduz, FL-9490 Liechtenstein is regulated by the Financial Markets Authority (FMA) in the UK. Financial Services Register reference number 454140..

Details can be checked on the Financial Services Register at or by calling them on 0800 1l1 6768.

Intention of Cover
This Insurance provides cover for Your Equipment against Accidental Damage, Theft and Breakdown.

Definitions

The words or expressions detailed below have the following meaning wherever they appear in this policy and will appear in bold with a capital letter.

Accidental Damage An accidental and unforeseen failure, breakage or destruction of Your Equipment, with visible evidence of an external force being applied and which results in the

Equipment being rendered unusable.

Administrator Breakdown

Equipment
Forced and violent Loss
Monthly Premium Period of Insurance

Schedule Theft

Unattended We/Us/Our//Insurer(s)

You(r)

Warranty & Creditor Services of 6 Faraday Office Park, Rankine Road, Basingstoke RG24 8QB Tel (01256) 471387.
The failure of any electrical or mechanical component in Your Equipment due to a sudden and unforeseen fault, which causes the Equipment to stop working in the way the manufacturer intended and which requires repair or replacement before the Equipment can be used again

The Equipment specified in the Schedule or any subsequent Equipment You replace it with subject to being able to provide proof of purchase and usage.
Entry/exit evidenced by visible damage to the fabric of the building, room or vehicle at the point of entry.

Where the Equipment has been accidently lost by You in a known location and You are permanently deprived of its use.
The agreed amount payable by You by Direct Debit each month in order that cover remains in force under the terms and conditions of this policy wording.

This is a rolling monthly contract and commences on the purchase of this policy as shown on Your Schedule and continues for a maximum of 60 months by periods of one month upon receipt of Your Monthly Premium Payment other than for Extended Warranty (Breakdown) which commences 12 months after the purchase of the Equipment.

The schedule shown on the certificate of insurance.
The unlawful taking of Your Equipment against Your will by another party, with the intent to permanently deprive You of that property.
Not within Your sight at all times and out of Your arms-length reach.
Novus Underwriting Limited on behalf of Helvetia Schweizerische Versicherungsgesellschaft in Liechtenstein AG.
The Person who owns the Equipment as stated on the insurance Schedule or an immediate family member or other person named on the Schedule.

What We will cover
Like all insurance policies, there are key exclusions and conditions. Please refer to these specific paragraphs below:

Theft: If Your Equipment is stolen We will replace it.
Accidental Damage: We will pay repair costs if Your Equipment is damaged as the result of an accident. Breakdown: If a Breakdown of Your Equipment occurs outside of the manufacturer’s guarantee or warranty period We will pay the repair costs. If We are unable to economically repair Your Equipment then, a replacement item will be provided.

Sum Insured
Our maximum liability in respect of any one claim for Theft, Accidental Damage and Breakdown will be the replacement cost of Your Equipment and in any event shall not exceed £1500.

Exclusions

The Insurance does not cover:-

1. Any claim for Loss

2. Theft, Accidental Damage or Breakdown covered by any other insurance or warranty

3. Theft or Accidental Damage to the Equipment:-

   1. whilst left in an unattended motor vehicle unless the Equipment is concealed from view and all doors, windows and other openings of the vehicle have been left closed, securely locked and properly fastened with the ignition and other keys removed and such door, window, opening, lock or fastener has been forcibly and violently accessed to gain entry

   2. whilst left on any motor vehicle roof, bonnet or boot

   3. from any property, place or premises unless such Theft or damage has occurred through Forced

      and Violent entry or exit

4. The first £75 of each and every claim on iPhones. For other phones the policy excess is £50.

5. The maximum number of claims that may be made in respect of total loss (either Theft or irreparable

   damage) on any Equipment, is two

6. Theft where the Equipment has been left Unattended when it is away from Your home.

7. Theft or Accidental Damage to the Equipment whilst on hire or loan to any third party

8. Any costs in excess of the repair or replacement of the Equipment

9. Accidental Damage or Breakdown through negligence, abuse or misuse of the Equipment including any incident where the Equipment is placed into a washing machine whether accidentally or otherwise

10. Accessories to Your Equipment

11. Any claim where You are outside the UK for a period of longer than 90 days

12. The cost of any claim whatsoever relating to software or any date changes

13. Cosmetic damage where the Equipment still functions normally

14. Loss caused by a manufacturer’s defect or recall of the Equipment, or any faults or issues that can be

    traced as being existing prior to the commencement of the policy

15. The cost of repairs or replacement carried out by anyone not approved by the Administrator and the

    use of non-approved components

16. Any loss of or damage to any data stored on or contained within the Equipment

17. Theft or Accidental Damage unless a SIM card registered to You was in Your mobile phone at the

    time of the incident

18. 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.

19. Any direct or indirect consequence of terrorism as defined by the Terrorism Act 2000 and any amending or substituting legislation.

20. 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.

21. Damage or destruction directly occasioned by pressure waves caused by aircraft or other aerial devices

    traveling at sonic or supersonic speeds.

22. 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.

Conditions

1.The minimum term of this insurance is 12 months which will be applied if a claim is made. In the event that a claim is paid by the Underwriters and the policy is cancelled by You before 12 months premiums have been paid all remaining premiums will become due immediately
2. If Your Equipment is subject to Theft, Accidental Damage or Breakdown We will at Our own option either pay for the cost of repairs by a qualified engineer authorised by the Administrator or replace Your Equipment with an item of the same or similar specification subject to availability.

3. Cover is only available if Your Monthly Premium Payment has been paid from the start date of this insurance and there are no outstanding payment defaults.
4. We may alter the premiums by giving You thirty days notice to proportionately reflect legitimate cost increases or reductions associated with insuring Your Equipment. This does not affect Your statutory rights under this insurance contract. In the event of any increase in premiums You have the right to immediately cancel this contract

5. We may take legal action against any third party responsible for a loss.
6. You must take all reasonable steps to protect and preserve Your Equipment and minimise Our liability.
7. Unless some other law is agreed in writing, this policy is governed by English law. If there is a dispute, it will only be dealt with in the courts of England or of the country within the United Kingdom in which Your main residence is situated.
8.You must not act in a fraudulent way. If You or anyone acting for You:
 fails to reveal or hides a fact likely to influence whether We accept Your proposal, Your renewal,

or any adjustment to Your policy;

•   fails to reveal or hides a fact likely to influence the cover We provide;

•   makes a statement to Us or anyone acting on Our behalf, knowing the statement to be false;

•   sends Us or anyone acting on Our behalf a document, knowing the document to be forged or false;

•   makes a claim under the policy, knowing the claim to be false or fraudulent in any way;

•   makes a claim for any loss or damage You caused deliberately or with Your knowledge; or

•   If Your claim is in any way dishonest or exaggerated,

  We will not pay any benefit under this policy or return any premium to You and We may cancel Your policy immediately and backdate the cancellation to the date of the fraudulent claim. We may also take legal action against You and inform the appropriate authorities.

  Your responsibility
  You must take reasonable care to:

1. a)  supply accurate and complete answers to all the questions Your (administrator / agent) may ask as part of Your application for cover under the policy

2. b)  to make sure that all information supplied as part of Your application for cover is true and correct

3. c)  tell Your (administrator / agent) of any changes to the answers You have given as soon as possible.

You must take reasonable care to provide information that is accurate and complete answers to the questions Your (administrator / agent) ask when You take out, make changes to and renew Your policy. If any information You provide is not accurate and complete, this may mean Your policy is invalid and that it does not operate in the event of a claim or We may not pay any claim in full.

If You become aware that information You have given Your (administrator / agent) is inaccurate or has changed, You must inform them as soon as possible.

If We obtain evidence which suggests that You were careless in providing Us with the information We have relied upon in setting the terms and premium of this insurance and if Your carelessness causes Us to provide You with insurance cover which We would not otherwise have offered or would have offered on different terms and premium, We may:

•   Give You notice in writing that You must pay more for Your insurance;

•   Give You notice in writing that the terms of Your insurance have changed; or
  Cancel this contract of insurance by giving You thirty days’ notice and return any premium paid for the balance of the remaining term.

  If We give You notice that the terms of Your insurance have changed or that You must pay more for Your insurance, then You may give Us thirty days’ notice in writing if You wish to terminate the contract.
  Any return premium due to You will depend on how long this contract has been in force and whether You have made a claim.

  If We establish that You deliberately or recklessly provided Us with false information We may:

•   Treat this insurance as if it never existed;

•   Decline all claims; and

•   Retain the premium (all or part, unless it would be unfair to do so)

  Claims Procedure:
  In the event of Theft of the Equipment You must within 24 hours of discovery of the incident notify:

   Your telephone service provider to bar Your Equipment from further use within 24 hours.
   The police and obtain a crime reference
   The Administrator within 48 hours to obtain a claim form either by telephone on (01256) 471387 or by

  email to claims@wcsinsurance.co.uk., or complete a claim form online at https://wcsinsurance.co.uk/ You must fully complete the claim form and return it to the Administrator together with documentary proof of the crime reference and proof of any forced entry (where applicable).

  In the event of damage or Breakdown outside of the manufacturer’s warranty You must within 48 hours of discovery of the incident notify the Administrator on (01256) 471387 to obtain a claim form or complete a claim online at http://wcsinsurance.co.uk
  You must fully complete the claim form and return it to the Administrator and send the Equipment by Royal Mail Special Delivery to Our authorized repairer whose address is shown on the claim form, who will then arrange repairs.

Claims will only be considered if Your Monthly Premium Payment has been paid from the start date of this insurance, up to and including the month in which the claim occurred and there are no outstanding payment defaults.
You must supply the Administrator with any receipts or documentation requested in the event of a claim.

Cancellation
If You decide that for any reason, this Policy does not meet Your insurance needs then please return it to the Administrator within 14 days from the day of purchase or the day on which You receive Your policy documentation, whichever is the later. On the condition that no claims have been made or are pending, We will then refund Your premium in full.

Thereafter You may cancel the insurance cover at any time by informing the Administrator however no refund of premium will be payable

We shall not be bound to accept renewal of any insurance and may at any time cancel any insurance document by giving 14 days notice in writing where there is a valid reason for doing so. A cancellation letter will be sent to You at Your last known address. Valid reasons may include but are not limited to:

1. a)  Where we reasonably suspect fraud

2. b)  Non-payment of premium

3. c)  Threatening and abusive behaviour

4. d)  Non-compliance with policy terms and conditions

5. e)  You have not taken reasonable care to provide complete and accurate answers to the questions we ask.

If We cancel the policy and/or any additional covers You will receive a refund of any premiums You have paid for the cancelled cover, less a proportionate deduction for the time We have provided cover.

Where Our investigations provide evidence of fraud or misrepresentation, We may cancel the policy immediately and backdate the cancellation to the date of the fraud or the date when You provided Your administrator / Your agent with incomplete or inaccurate information. This may result in Your policy being cancelled from the date You originally took it out and We will be entitled to keep the premium.

If Your policy is cancelled because of fraud or misrepresentation, this may affect Your eligibility for insurance with Us, as well as other insurers, in the future.

Complaints Procedure
It is the intention to give You the best possible service but if You do have questions or concerns about this insurance or the handling of a claim You should contact the Customer Service Manager at Warranty & Creditor Services, 6 Faraday Office Park, Rankine Road, Basingstoke, RG24 8QB (01256) 471387 stating the nature of Your complaint and Your policy number.

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 €2million and fewer than ten staff. You may contact the Financial Ombudsman Service at:
The Financial Ombudsman Service, Exchange Tower, London, E14 9SR. Tel: 0300 123 9 123

Email: complaint.info@financial-ombudsman.org.uk
The above complaints procedure is in addition to Your statutory rights as a consumer. For further information

about Your statutory rights contact Your local Citizens Advice Bureau.

If You have purchased the insurance policy online, You may also raise Your complaint via the EU Online Dispute Resolution Portal at http://ec.europa.eu/consumers/odr/. This will forward Your complaint to the correct Alternative Dispute Resolution scheme. For insurance complaints in the UK this is the Financial Ombudsman Service. However, this may be a slower route for handling Your complaint than if You contact the Financial Ombudsman Service directly.

Compensation

Helvetia Schweizerische Versicherungsgesellschaft in Liechtenstein is covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme, if Helvetia Schweizerische Versicherungsgesellschaft in Liechtenstein 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.

You may also contact the FSCS on their Freephone number: 0800 678 1100 or 020 7741 4100 or You can write to: Financial Services Compensation Scheme, P O Box 300, Mitcheldean, GL17 1DY

NOVUS Underwriting Ltd. Privacy Notice

This privacy notice is relevant to anyone who uses our services, including policyholders, prospective policyholders, and any other individuals insured under a policy. We refer to these individuals as "You/Your” in this notice.

We are dedicated to being transparent about what We do with the information that We collect about You. We process your personal data in accordance with the relevant data protection legislation.

Why do we process Your data?

The provision of Your personal data is necessary for Us to administer Your insurance policy and meet Our contractual requirements under the policy. You do not have to provide Us with Your personal data, but We may not be able to proceed appropriately or handle any claims if You decide not to do so.

What information do We collect about You?

Where You have purchased an insurance policy through one of Our agents, You will be aware of the information that You gave to them when taking out the insurance. The agent will pass Your information to Us so that We can administer Your insurance policy.

We have a legitimate interest to collect this data as We are required to use this information as part of Your insurance quotation or insurance policy with Us. We may also process the data where it is necessary for a legal obligation, or as part of the establishment or defence of a legal claim.