MOVIE
Policy Summary
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 the policy booklet
a copy is available on request or on the website here. The relevant sections along with the main exclusions and limitations are listed below.
The policy entitles you to a 48 hour repair or replacement of your electronic equipment, once all relevant paperwork has been received and extends to cover up to 60 days whilst you are abroad. Depending on the level of cover you have selected the policy will cover the electronic equipment you stated on the application up to a maximum sum insured of either 3 items at £900 (single item limit £300) or 5 items at £1500 (single item limit £300) plus any additional items selected for the following:
Name of the insurance undertaking
We only offer our own consumer electronic insurance currently underwritten by Equity Red Star who is managed by Equity Syndicate Management Limited
A. Accidental Damage
What we will cover
We will pay for repair or replacement costs if your electronic equipment is damaged as the result of an accident.
What we will not cover
The first £25 of each claim
Accidental Damage caused by:
- you deliberately damaging or neglecting the electronic equipment;
- you not following the manufacturer’s instructions;
- routine servicing, inspection, maintenance or cleaning;
- if the serial number has been tampered with in any way.
- the use of accessories.
B. Theft
What we will cover
If your electronic equipment is stolen we will replace it. Where only part or parts of your electronic equipment have been stolen, we will only replace that part or parts.
What we will not cover
Theft:
The first £25 of each claim
- from convertible or soft top vehicle;
- from any motor vehicle where you or someone acting on your behalf is not in the vehicle, unless the electronic equipment has been concealed in a locked boot, locked glove compartment or other locked internal compartment and all the vehicle’s windows and doors closed and locked and all security systems have been activated;
- if left on any motor vehicle roof, bonnet or boot;
- from any building, land or premises unless force, resulting in damage to the building or premises, was used to gain entry or exit;
- from your control or the control of any member of your immediate family, except where it has been concealed either on or about the person and not left unattended, or the use of physical force or violence against the person has been used or threatened;
- where the electronic equipment has been left unattended when it is away from your home;
- any theft not reported to the police within 24 hours and a crime reference number obtained.
C. Breakdown
What we will cover
Electrical or mechanical breakdown that occurs outside the manufacturers guarantee period.
What we will not cover
Repair or other costs for:
The first £25 of each claim;
- routine servicing, inspection, maintenance or cleaning;
- loss caused by a manufacturer’s defect or recall of the electronic equipment;
- replacement of or adjustment to fittings, control knobs or buttons, batteries or aerials;
- repairs carried our by persons not authorised by us;
- wear and tear or gradual deterioration of performance.
- Any loss or damage caused by the failure of any electrical or computer equipment, software, micro-controller, microchip, accessories or associated equipment to correctly recognise and process any calendar date or time.
- if the serial number has been tampered with in any way.
Period of Insurance
If you have chosen to pay for your policy on a monthly basis, the policy will be classed as a monthly policy. If however, you have paid the full annual premium upfront, then your policy will be classed as an annual policy.
The Claims Handler
Supercover Insurance Plc
204 Cumberland House
80 Scrubs Lane
NW10 6RF
This policy summary does not contain the full terms and conditions of your policy. These can be found on your Certificate of Insurance.
What to do if you have a complaint
If you wish to register a complaint, please contact us:
in writing:
Supercover Insurance Plc (Gadgetsafe), 204 Cumberland House, 80 Scrubs Lane, NW10 6RF
by phone:
Telephone 0871 222 1150
by email:
In the event that you remain dissatisfied with the decision you receive, you may refer the matter to the Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London, E14 9SR, 0845 080 1800. Further details will be provided at the appropriate stage of the complaints process.
Our full complaints procedure is available upon request.
Cancellations
We hope you are happy with the cover this policy provides, however, if having examined your policy you decide not to proceed with the insurance, if you have an annual policy 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 which ever is the later. This is known as the ‘cooling off’ period.
Thereafter, regardless of whether you have an annual or monthly policy, you may cancel the policy by giving us 30 days notice in writing. If you have paid an annual premium you will be entitled to a refund equating to the period of cover remaining under the policy after the 30 day notice period, provided you have not made a claim in the current period of cover.
Financial Services Compensation Scheme
We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and circumstances of the claim. Insurance advising and arranging is covered 100% for the first £2,000 and 90% for the remainder of the claim, without any upper limit. . Further information about compensation scheme arrangements are available from the FSCS on www.FSCS.org.uk or by telephoning 0207 892 7300.
