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Replacement product cover terms & conditions

Who the Insurance is provided by:
This insurance is underwritten by Allianz  Insurance plc: Registered in England No. 84638. Registered Office: 57 Ladymead, Guildford, Surrey GU1 1DB United Kingdom. (ACS1172/1)

Administered by Allianz Schemes, PO Box 589, Great West House (GW2), Great West Road, Brentford, TW8 1AH, United Kingdom.

Allianz Insurance plc is authorised and regulated by the Financial Services Authority (FSA). Our authorisation can be confirmed by the FSA by calling 0845 606 1234 or at www.fsa.gov.uk. Our FSA registration number is 121849.

You will not be offered renewal on this insurance.

1 WHAT IS COVERED
Allianz Insurance plc (we, us, our) in return for the premium, will provide the following cover to the Insured (you, your):

1.1 If your insured product fails to operate due to an electrical or mechanical fault, including where caused by an accident, we will supply you with a new replacement product.
1.2 The replacement product will be identical to the original insured product or, if no longer available, one up to the same value. Alternatively, at our discretion, we may offer Argos vouchers.
1.3 Our maximum liability under this insurance is limited to the original price you paid for your insured product.
1.4 You are covered for a period of up to 3 years, including any manufacturer’s guarantee, from the date of purchase of the insured product. This policy will cancel at the end of the 3 year period and no renewal of this insurance product will be offered.

2 WHAT IS NOT COVERED

2.1 Any costs covered under the manufacturer’s warranty.
2.2 Breakdown or damage caused by:

a) commercial or non-domestic use;
b) not following the manufacturer’s instructions;
c) deliberate damage to or neglect of the insured product;
d) fire, flood or other external causes;
e) computer tapes, diskettes or software;
f) replacement covered by a manufacturer’s recall of the product;
g)replacement cost of consumable items such as batteries, styli, light bulbs;
h) damage of a cosmetic nature including scratching, chipping, staining, rust or corrosion which does not prevent the insured product from working;
i) compensation for loss of use of the insured product or any loss other than the replacement cost of the product.

3 OTHER CONDITIONS
3.1 Unless we agree otherwise:

a) the language of the policy and all communications relating to it will be English; and
b) all aspects of the policy, including negotiation and performance,  are subject to English law and the decisions of English courts.

3.2 The policy is not transferable to any other equipment or person.

3.3 This insurance will become void in the event of fraud or attempted fraud against us.

3.4 This insurance is limited to one replacement product, or settlement via Argos vouchers, after which the insurance will cease.

3.5 The purchase of this cover is limited to customers who are 18 years of age and over.

4 HOW TO MAKE A CLAIM

4.1 In the event of a breakdown, check that it is not a simple problem such as a blown fuse or a faulty plug,and refer to the manufacturers instructions

4.2 If your product still fails to work, complete the claim form and take it, together with the insured product and your receipts, to your nearest Argos store. If the item is part of a set, all parts of the set must be returned to store when making a claim.

4.3 Subject to the Terms and Conditions of this insurance, you will be provided with a replacement product.

4.4 Should you choose a more expensive product as a replacement, you will be required to pay the difference.

5 COMPLAINTS PROCEDURE – Allianz Insurance plc
Our aim is to get it right, first time, every time. If we make a mistake we will try to put it right promptly. We will always confirm to you the receipt of your complaint within five working days and do our best to resolve the problem within four weeks. If we cannot we will let you know when an answer may be expected. If we have not sorted out the situation within eight weeks we will provide you with information about the Financial Ombudsman Service
Please contact us at: Customer Satisfaction Manager, Allianz Schemes, PO Box 589, Great West House (GW2), Great West Road, Brentford, TW8 1AH.
Telephone: 01483 260758 Email: schemescsm@allianz.co.uk
Using our complaints procedure or referral to the Financial Ombudsman Service does not affect your legal rights.
Should you wish to contact Argos their address is: Argos Customer Support Manager, Home Retail Group Financial Services, Royal Avenue, Widnes, WA88 1AL

Data Protection
Allianz Insurance plc
The details you supply will be stored and used by Allianz Insurance plc to administer your insurance cover. Your personal details may be transferred outside of the EU. They will at all times be held securely and handled with the utmost care in accordance with all principles of the UK law.
We may exchange your details with other insurers through various databases to help us check information provided and also to prevent fraudulent claims. Your details will not be kept for longer than necessary.

Argos Limited
“Argos Limited” (“Argos”) is a member of the Home Retail Group (“the Group”). For more details about the Group and how it may use your personal information, please refer to our privacy policy. Argos will use your personal information to process your order, to fulfil your insurance agreement and for other purposes as set out in the Catalogue. Argos will also give information about you to other members of the Group and to third parties for the same purposes or for marketing purposes and Argos or they may contact you by mail, telephone, e-mail or otherwise. When you provide Argos with your information, you will be given the opportunity to say if you do not wish it to be used or shared for marketing purposes.

Notice to Customers - You are advised that any telephone calls made to our administration and claims handling units may be recorded. These recordings are used to monitor the accuracy of information provided by customers and our own staff. They may be used to allow additional training to be provided to our staff or to prove that our procedures comply with legal requirements. Our staff are aware that conversations are recorded.

FURTHER RELEVANT INFORMATION
Consumer Rights
Consumers have certain rights under the Sale of Goods Act 1979 including the right to claim for repair or replacement of an item for up to 6 years (5 years in Scotland) if when it was sold it was not fit for purpose. After 6 months from the date of purchase the consumer needs to prove that the item had a fault when it was sold.

Fraud Statement
If the insured or anyone acting on behalf of the insured makes any false or fraudulent claim or supports a claim by false or fraudulent document, device or statement, this policy shall be void and the insured will forfeit all rights under the policy. In such circumstances, we retain the right to keep the premium and to recover any sums paid by way of benefit under the policy. If we receive a claim under your policy we may ask you or any person covered under the policy to give written consent, during the claim process, for us to obtain specified information and material from the police and to exchange information and material with them. The purpose of these measures is to help us verify claims and to guard against fraud. If you or a covered person gives such consent you or the covered person will be given the opportunity to receive a copy of the information and material the police release to us. Should you or any covered person decline to give such consent we may in turn decline to settle the claim without the required information and material. We will not normally release information or material about a covered person to you without their consent.

Purchase Rights
All prices displayed in this leaflet are valid from 23rd January 2010. To find the insurance price please refer to the pricing table. Your insurance price is determined by the type of item you have bought, its manufacturer's guarantee length and the price of the item as shown on your till receipt.
If you decide not to purchase this insurance today you have up to 45 days in which to purchase, simply return to the store with your receipt, item and this leaflet. The item must still be in working order and undamaged in order to take out cover.
Please note that Product Insurances may be available from other providers and household insurance may be relevant for some items.

Cancellation Rights
If you purchase the insurance and change your mind, you can cancel the insurance within 45 days by returning to store with your policy document and receipt and provided you have not made a claim you will be entitled to a full refund. The refund will be given in the funds you originally tendered. If you wish to cancel after 45 days you can do so and obtain a pro rata refund for the remaining period left on your policy. This pro rata refund can be obtained by contacting Allianz by writing to Pro Rata Refund Request, Customer Services Manager, Allianz Schemes, PO Box 589, Great West House (GW2), Great West Road, Brentford, TW8 1AH. You will be required to provide your insurance receipt and policy document to obtain your pro rata refund.
If your product is replaced under the insurance your policy ends and you will not be entitled to a pro rata refund.

Financial Protection Statement
Replacement Product Cover is an insurance contract provided by Allianz Insurance plc. If Allianz is unable to meet its liabilities you may be entitled to compensation under the Financial Services Compensation Scheme (FSCS). Further information about compensation scheme arrangements is available at www.fscs.org.uk (This is a separate website and will open in a new window), by emailing enquiries@fscs.org.uk or by phoning the FSCS on 0207 892 7300

Copies of this document are available in Braille, audio cassette or large print on request.

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