FAQ

We offer insurance on Mobile Phones, iPhones, iPads, Tablets, PDAs, MP3 Players, iPods, Satellite Navigation Systems, PSP's and other game consoles, Camera's, Camcorders, Personal Media Players and Laptops

Many of us do not realise the value of the every day items carried in our briefcase / rucksack / handbag. It's only when something goes wrong and we have to replace these products that we understand the true value, both personally and financially of our every day gadgets.

According to a recent survey by Zurich Insurance, the average person will carry £851 worth of hand held gadgets with them every day, for Londoners, this rises to £1034.

This is in addition to the...

600,000 electronic devices that were dropped in the toilet
400,000 electronic devices were dropped in drinks and the
200,000 electronic items that ended their life in a washing machine

And, did you know that at least one in seven people are not covered by either their home contents specialist insurance – a potential £5bn worth of goods at financial risk every day.

Theft – including unattended theft from a secure vehicle / secure premises,
Accidental Loss for mobile phones and iPads only (Optional additional £1 per month for a mobile or £2 per month for an iPad),
Extended Warranty (not included on Laptops),
Accidental Damage,
Liquid Damage,
Malicious Damage
Worldwide Cover (90 days),
Unauthorised Call Use (£2500),
Family Cover – your gadgets covered whether you or a member of your immediate family are suing the gadget

Please note; If you choose to pay for your insurance monthly and make a claim in the first 12 months, you will be required to pay for the remainder of the year's premium before we can authorise any claim.

Your cover begins immediately subject to your payment / payment details being correct.

• Leaving the item unattended when it is away from your home.
• Theft from vehicle or premises where there is no visible sign of forced entry.
• Not reporting the theft/loss within 48 hours of discovery to the police, or, in the case of mobile phones, not reporting the theft/loss to the Service Provider within 24 hours of discovery to stop the line and blacklist the handset.
• Any claim where a proof of purchase or receipt (in your name) cannot be provided
• Any claim where the gadget has not been used since the insurance has been taken out
• Any incident occurring within the first 14 days of cover

Yes! We now also now insure items purchased on e-bay as long as they are purchased new and have a valid Proof of Purchase that include the make, model and serial number of the electronic equipment (in your name). Also, the company the electronic equipment was purchased from must be a UK VAT registered company.

In the event that you make a claim, an excess fee applies which must be paid to us before your claim can be settled. This excess fee varies depending on the type of electronic equipment you have insured with us and the fees are set out below:

If your claim is for an item of electronic equipment up to the value of £250 (when new) the excess fee is £25
For any other item the excess fee is £50

In the event of a claim you will need to provide receipts for all items you are claiming for. The receipt must be in the same family name and if relating to a mobile phone, it must include the IMEI number. We will only accept receipts from VAT registered companies.

The item must be less than 18 months old when the insurance is first purchased. There is no limit on how long the item can be insured, thereafter.

In the event of a claim you must:
Report the theft / loss to the police within 48 hours of discovery.
Report the theft / loss of a mobile phone / PDA to your Service Provider immediately, but in any case within 24 hours of discovery.
If your claim relates to a faulty item, the faulty item must be provided.
Contact us within 48 hours of discovery of any claim.
Failure to comply with the above may result in your claim being delayed or rejected.


Once all the requested information has been received we will aim to process your claim within 48 hours

This insurance is arranged by Supercover Insurance Ltd with UK General Insurance Limited on behalf of:

Ageas Insurance Limited, Registered in England No.354568.
Registered Office: Ageas House, Tollgate, Eastleigh, Hampshire, SO53 3YA.

Supercover Insurance Ltd, UK General Insurance Limited and Ageas Insurance Limited are authorised and regulated by the Financial Conduct Authority

You can make a claim by calling our dedicated Claim Advisors on 0844 499 9991 or writing to

Claim Department
Gadget Cover
602 Cumberland House
80 Scrubs Lane
London
NW10 6RF

Tel.: 0844 499 9991

E-Mail: claims@gadget-cover.com

You should contact customer services 0844 499 9991 with your new phone details or email claims@gadget-cover.com and also post a copy of your receipt to 602 Cumberland House, 80 Scrubs Lane, London, NW10 6RF

You may cancel the insurance, without giving reason, by sending us written notice and returning the insurance documents within 14 days of it starting of (if later) within 14 days of you receiving the insurance documents.

If you wish to cancel your insurance after the initial period you can do so by writing to Supercover Insurance Ltd. 602 Cumberland House, 80 Scrubs Lane, London, NW10 6RF, or by telephoning 0844 499 9991, or by emailing claims@gadget-cover.com

An administration fee shall be due equal to 25% of the annual premium with a minimum fee applying of £10.

We are proud of our reputation for fairness in our treatment of our customers. However, occasionally disputes or misunderstandings can arise.

Any enquiry or complaint you have regarding your policy should be addressed to The Customer Services Manager, either by post, to: Supercover Insurance Ltd, 602 Cumberland House, 80 Scrubs Lane, London, NW10 6RF.

Or by email to: complaints@gadget-cover.com.

Or by telephoning 0844 499 9991

You should provide details of your policy and in particular, your policy reference number, to help with the speedy handling of your enquiry.

After this action, if you are still not satisfied with the way a complaint has been dealt with, you may ask Lloyd's to review your case.

The address is:

Policyholder and Market Assistance

One Lime Street London EC3M 7HA

Telephone: 020 7327 5693
Fax: 020 7327 5225.
E-mail: complaints@lloyds.com



Complaints that cannot be resolved by Lloyd's may be referred to the Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London, E14 9SR. Tel 0845-080-1800. Further details will be provided at the appropriate stage of the complaints process.

These procedures do not affect your legal rights.

Click here to see the terms & conditions of our policies.

Within one working day you will receive a response to your complaint either via telephone or email. This will be from your complaint handler with a proposed resolution to your complaint and should you agree to this resolution, the complaint will be escalated no further.

If however you are unsatisfied with the proposed resolution or do not respond within the required time frame, in line with the FSA complaint handling procedure, your complaint will be escalated to the Underwriter of your policy, on your behalf, and a final response issued within 8 weeks from the date of the complaint.

We will endeavour to deal with all complaints in the instance within which they occur. Where this is not possible for us to respond to you within the required time frame, you will be notified of the automatic escalation of your complaint.

Any reference to any of the above will not affect your right to take legal proceedings.

To take advantage of this discount, simply add two or more gadgets at the same time:

• Insure 2 gadgets and get 5% off
• Insure 3 gadgets and get 10% off
• Insure 4 gadgets and get 15% off

Sales related:

sales@gadget-cover.com

General enquiries:

info@gadget-cover.com

Claims:

claims@gadget-cover.com