Page 41 - Microsoft Word - Sparta A4 Product Flyers March 2020

Gadget All Risks General Conditions All Sections

All Risks Premier Gadget Cover will provide cover without the o Gadgets must be less than 36 months old with valid
need to claim on a main motor or household policy, keeping evidence of ownership when the policy is started.
any NCD intact. o This insurance does not cover gadgets purchased
outside of the UK, or any gadgets purchased second
Policy covers accidental damage, theft, loss & breakdown, hand.
liquid damage & unauthorised calls, texts or data use to the o There is an excess fee for all claims which must be
three insured gadgets that your client chooses to insure. <12 paid before your claim can be approved.
months old + proof of purchase. o If your claim is for a gadget up to the value of £250
(when new) the excess fee is £25 for any claim.
What we will cover o If your claim is for a gadget between the values of
o If you lose your mobile phone we will replace it. £251 - £999 (when new) the excess fee is £50 for
o No other gadget is insured for accidental loss. any claim.
o If your claim is for a gadget over the value of £999
What we will not cover (when new) the excess fee is £75 for any claim.
o The loss of gadget other than your mobile phone
o Where the circumstances of the loss cannot be
clearly identified, i.e. where you are unable to
confirm the time and place of the loss.
o Any loss not reported to the police within 48-hours
and a loss reference number obtained;
o Any loss of a mobile phone which has not been
reported to your airtime provider within 24 hours of
you discovering the loss.