phone Customer Services; 0844 3463970

email customerservices@protectyourbubble.com
web www.protectyourbubble.com

Gadget
Insurance
Summary of Cover

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Gadget Insurance
This is a policy summary only. It does not contain
the full Terms and Conditions of the contract.

For full details of all the policy terms, conditions and exclusions please
refer to your policy pack or www.protectyourbubble.com. The
relevant sections along with the key exclusions and limitations are
listed below.

WHO IS PROVIDING YOUR SERVICES?

Your insurance policy was arranged by Assurant Direct Limited
trading as Protect your bubble who is an Appointed Representative of
Assurant Intermediary Limited, the insurance policy is underwritten by
Assurant General Insurance Limited. Your policy will be administered
by Assurant Services Limited. Assurant General Insurance Limited and
Assurant Intermediary Limited are authorised and regulated by the
Financial Services Authority. Assurant Services Limited are authorised
and regulated by the Central Bank of Ireland. The registered office for
Assurant General Insurance Limited and Protect your bubble is 6-12
Victoria Street, Windsor SL4 1EN.

FEATURES AND BENEFITS

This policy applies to the gadget specified on the schedule of
insurance and covers these gadgets against theft, breakdown,
accidental damage (including liquid damage), unauthorised calls
and loss (if the loss option was selected at purchase) as defined in the
Terms and Conditions. Cover is extended Worldwide for a maximum
of 90 days in any 12 month period. This cover is available for all
gadgets under 12 months old at policy inception.
This policy offers replacement only and is not a replacement as
new policy. If the gadget cannot be replaced with an identical
gadget 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 gadget.

WHAT YOUR POLICY COVERS YOU FOR

A. Accidental Damage
We will pay repair costs if your gadget is damaged as the result of
an accident. If we are unable to repair your gadget, a replacement
gadget will be provided.
B. Theft
If your gadget is stolen we will replace it. Where only part or parts of
your gadget have been stolen, we will only replace that part or parts.
C. Loss
If you selected the option to pay an additional premium and insure
your gadget for loss then if you lose your gadget we will replace
it. If you have cover for loss this will be shown on your schedule of
insurance.
Loss cover is not available for iPads, Tablets, Laptops and MacBooks.
D. Breakdown
If your gadget suffers a breakdown which occurs outside of the
manufacturers guarantee or warranty period, we will pay repair
costs. If we are unable to repair your gadget a replacement gadget
will be provided.
E. Liquid Damage
If your gadget is damaged as a result of accidentally coming into
contact with any liquid, we will repair or replace it.
F. Unauthorised calls.
If your gadget is a mobile phone or PDA and is lost or stolen, and
covered by your policy, we will refund the cost of calls made from
the mobile phone after the time it was lost or stolen to the time it
was blacklisted by your airtime provider up to a maximum of 100.
Itemised bills must be provided.

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Summary of Cover
KEY EXCLUSIONS THAT APPLY TO YOUR COVER
A) Accidental Damage and B) Liquid Damage
1. We will not pay any claim where the damage to your gadget is
not consistent with what was reported to us. If, in the opinion of the
repairers, the damage is not consistent with what was reported to us
then the gadget will be returned to you unrepaired. You will not be
able to claim again for that damage.
2. We will not pay any claim where the damage is caused by:
you deliberately damaging or neglecting the gadget;
you not following the manufacturers instructions
3. Any form of cosmetic damage.
4. Routine servicing, inspection, maintenance or cleaning is excluded
from your cover.
5. We will not pay for more than one accidental damage claim in
any single period of cover.
6. We will not pay for more than one liquid damage claim in any
single period of cover.
C) Theft and D) Loss
We will not pay for theft or loss:
1. of any gadget from any motor vehicle where you or someone
acting on your behalf is not in the vehicle, unless the gadget has
been concealed in a locked boot, locked glove compartment or other
locked internal compartment and all the vehicles windows and doors
are closed and locked and all security systems have been activated
2. of any gadget from any building, land, premises or vehicle unless
force, resulting in damage to the building or premises, was used to
gain entry or exit
3. where the gadget has been left unattended when it is away from
your home
4. of any gadget where reasonable precautions have not been
taken
5. of any mobile or PDA that is not reported within 12 hours of
discovery to your airtime provider and blacklisted
6. of any gadget (including Mobiles and PDAs) not reported to the
police within 24 hours of discovery
7. of any gadget where you have not obtained a crime reference
number in support of a theft and a lost property number in support of
a loss claim within 24 hours of discovery
8. of any gadget that occurs outside the UK if you do not supply
us with a full police report. The report must contain all the relevant
information to allow us to verify that the theft or loss occurred within
the terms and conditions of this policy.
9. We will not pay for more than one theft claim in any single period
of cover.
10. We will not pay for more than one loss claim in any single period
of cover.
E) Breakdown
We will not pay for:
1. Any breakdown claim that occurs within the manufacturers
warranty period
2. More than one breakdown claim in any single period of cover
3. Repair or other costs for:
routine servicing, inspection, maintenance or cleaning;
loss caused by a manufacturers defect or recall of the gadget;
replacement of or adjustment to fittings, control knobs or buttons,
batteries or aerials;
4. repairs carried out by persons not authorised by us;
5. wear and tear or gradual deterioration of performance and
cosmetic damage.
6. Any claims if the serial number, IMEI (international mobile
equipment identity) number or simgate has been tampered with in
any way.
F) Unauthorised Calls
We will not pay for:
1. Any unauthorised calls where the theft or loss has not been
reported to your airtime provider within 12 hours of the occurrence of
theft or loss.
2. Any claim where an itemised bill is not provided.

Gadget Insurance
3. More than one claim for unauthorised calls during any single
period of cover.

KEY EXCLUSIONS APPLICABLE TO ALL SECTIONS OF

THE POLICY
Your gadget is NOT covered for:
1. More than one claim per insured peril listed above (A-F) during any
single period of cover.
2. Any claims made during the exclusion period. This is the period
during which, if your gadget is stolen, lost, damaged or breaks down
you will not be able to claim. This period is:
14 days after the start date of your policy
14 days after any change to your policy in which you add a
gadget to your policy or replace your current insured gadget - the
exclusion period applies to the gadget you add
3. Any claim made, or any event causing the need for a claim to be
made, that occurs before the policy inception date.
4. Any gadget that was not in full working order when you
purchased the insurance.
5. Any claim where you cannot provide proof of purchase which
must include the date the gadget was purchased / date contract
started, be in your name and have the serial / IMEI number of the
gadget. If the proof of purchase is not in your name you will be
required to provide evidence that you own the gadget and that
it was owned by you when the loss, theft, accidental damage,
breakdown, or liquid damage occurred.
6. Any claim for a mobile phone , iPhone or PDA which has not been
used for its core purpose since the inception of your policy as verified
by your airtime provider.
7. Any claim where the gadget has not been used following the
exclusion period.
8. Any repair or replacement if a SIM card registered to you was
not in the insured mobile phone or PDA at the time of the loss, theft,
accidental damage, breakdown or liquid damage.
9. Any claims for gadgets purchased from an on-line auction site
without a receipt as new from a VAT registered company.
10. Reconnection costs or subscription fees of any kind.

KEY GENERAL CONDITIONS AND LIMITATIONS OF THE

POLICY
1. The policy holder must be at least 18 years of age and a UK
resident.
2. The gadget must be less than 12 months old at policy inception
with valid proof of purchase.
3. All gadgets must have been purchased as new from a VAT
registered company.
4. This cover is limited to two replacements per insured gadget per
year.
5. We will only process claims and pay for the repair or replacement
up to the value that your gadget is insured for.
6. 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.
7. This insurance only covers gadgets purchased and used in the
UK, the Isle of Man and the Channel Islands. Cover is extended to
include use of the gadget anywhere in the world up to a maximum of
90 days in total, in any single 12 month period, subject to any repairs
being carried out in the UK by repairers approved by us.

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Summary of Cover
DURATION OF INSURANCE
The minimum period of cover is 12 months from the start date of your
policy. The full annual premium can be paid at the policy inception
or can be paid in monthly instalments on the specified payment date
shown in your Schedule of Insurance. The policy will remain in force
for the period shown in your policy documents.
Each year we will offer to renew your policy, and unless you
tell us that you do not wish to continue your policy, then we will
automatically process your renewal.

HOW TO CLAIM
If you need to report a claim, please contact Protect your bubble on
0844 3463970, or by email to customerservices@protectyourbubble.
com. You may be asked to complete a claim form. Please refer to the
Terms and Conditions for more information on the claims process.

WHAT TO DO IF YOU HAVE A COMPLAINT

It is our intention to provide you with the best possible service.
If you do wish to make a complaint please contact: The Quality
Assurance Manager, Assurant General Insurance Limited, PO Box
1033, Uxbridge, UB8 9PX, or telephone 0844 3463980 or by email to
complaints@protectyourbubble.com.com.
If you are still not satisfied with the way your complaint has been dealt
with, you can ask the Financial Ombudsman Service to review your
case. You can contact him at the following address: South Quay Plaza,
183 Marsh Wall, London, E14 9SR. Telephone Number: 0845 080 1800.

YOUR RIGHT TO CHANGE YOUR MIND

If having examined your policy you decide not to proceed with the
insurance, you will have 14 days to cancel it and get a full refund,
starting on the day you receive the policy documentation or the start
date of the period of cover whichever is the later.

CANCELLATION
If you wish to cancel your insurance after the initial 14 day period, you
can do so by writing to Protect your bubble, PO Box 1032, Uxbridge,
UB8 9PW, or emailing us at premiums@protectyourbubble.com. If
you have paid the annual premium and wish to cancel your policy
you will be entitled to a pro rata refund. This means that a refund
will only be given for every complete month of the policy remaining,
from the date you request the policy to be cancelled. We will apply
an administration fee of 10 to all policy cancellations made after
the initial 14 days which will be deducted from any refund given. If
the pro rata refund calculated as detailed below is less or equal to
10 the refund value of the policy will be 0. Cancellations will not be
backdated. Where you have made a claim and wish to cancel your
policy you will not be entitled to a pro-rata refund.

FINANCIAL SERVICES COMPENSATION SCHEME

Assurant General Insurance 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 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.

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