Mobile phone cover terms & conditions
Introduction to the Insurance
This is your policy document for your insured item. In return for the payment of your premium, we will provide insurance for your insured item for 12 months from the commencement of this cover, subject to the terms, conditions and limitations shown below.
This insurance policy will automatically cancel at the end of the 12 month period and no renewal will be offered.
Definitions
The words and phrases defined below have the same meaning wherever they appear in bold in this policy document.
Commercial vehicle - any vehicle used wholly or partly for commercial or business purposes or any other vehicle which, at the time of loss or damage, is being used for commercial or business purposes.
Insured item(s) – the pay as you go mobile telephone purchased from Argos Limited as shown on your till receipt.
Period of cover - this insurance lasts for 12 months from the date of purchase of the cover as shown on your till receipt.
United Kingdom – means England, Scotland, Wales and Northern Ireland.
We, us, our - Allianz Insurance plc.
You, your- the person, company or partnership that have purchased the insured item.
Your insured item is covered for
A. Accidental Damage
We will pay the replacement costs up to the original price you paid for your insured item in Argos vouchers, if your insured item is damaged as the result of an accident, or we may decide, at our discretion, to repair your insured item.
B. Theft
If your insured item is stolen we will pay the replacement cost, up to the original price you paid for your insured item in Argos vouchers. Where only a part or parts of your insured item have been stolen, we will only pay for the replacement of that part or parts.
What we will pay
The most we will pay for any single claim is £500.
Your insured item is not covered for
1. Theft:
a)
from any commercial vehicle, convertible or soft topped vehicle;
b)
from any motor vehicle where you or someone acting on your behalf is not with the vehicle, unless the insured item has been concealed in a glove compartment, locked boot or other concealed internal compartment and all the vehicle’s security systems have been activated and force has been used to gain access;
c) if the insured item has been left unattended in a public place or theft from a building or other property unless:
i)
force, resulting in damage to the building or premises, was used to gain entry or exit; or
ii)
the insured item was stored in a fixed, locked receptacle and force resulting in entry to that receptacle was used.
d) from your control or the control of any person who has the insured item with your permission, except:
i) where it has been concealed either on or about the person or is within immediate view and reach;
ii) where the use of physical force or violence against the person has been used or threatened.
2. Damage caused by:
a)
deliberate damage or neglect of the insured item;
b)
not following the manufacturer's instructions;
c)
routine servicing, inspection, maintenance or cleaning;
d)
the use of accessories;
e)
wear and tear or gradual deterioration of performance.
f)
software.
3. The first £10 of each and every covered claim.
4. Theft of or damage to accessories of any kind.
5. Mechanical or electrical breakdown other than when caused by accidental means.
6. Unexplained disappearance or if the product is lost.
7. The cost of routine servicing, inspection, maintenance or cleaning.
8. Cosmetic damage to your insured item where it does not affect the operation, function or safety of the insured item;
9. Any cost 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.
10. Any damage or fault caused by any form of electronic virus.
11. War, invasion, hostilities (whether war be declared or not), civil war, rebellion, revolution or taking part in a riot or civil commotion.
12. Any costs due to or arising from any manufacturers defect or fault for which the insured item has been recalled by the manufacturer.
13. Any cost caused by or for the reinstatement of loss of data to the insured item however caused.
14. Any expense incurred as a result of not being able to use the insured item or any cost other than the replacement cost of the insured item.
Are there any other conditions or limitations?
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This insurance is limited to the insured items bought and used in the United Kingdom. Cover is extended to include use of the insured item anywhere in the world up to a maximum of 90 days in total.
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You must report any theft to the police and obtain a crime reference number. You should report the theft within 24 hours of its discovery
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This insurance may only be altered, varied or its conditions relaxed or premium changed by one of our authorised officials, giving you 30 days notice in writing.
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If you receive a replacement product due to a claim the cover ceases and the policy document should be returned to us for cancellation.
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We may cancel the policy by giving you 30 days notice in writing. If this occurs you may be entitled to a pro rata return of premium.
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This insurance is automatically cancelled if you submit a claim knowing it to be false, fraudulent or a misrepresentation.
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You cannot transfer the insurance to someone else or to another insured item without our written permission.
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You must take all reasonable precautions to prevent any theft or damage.
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Cover excludes costs or payments recoverable from any party, under the terms of any other guarantee, warranty, or insurance.
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You must supply the accidentally damaged insured item for inspection, otherwise we will be unable to deal with your claim.
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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. -
This policy will automatically be cancelled at the end of the 12th month after the start date.
Cancellation
If you purchase this insurance policy and change your mind, you can cancel the insurance within 45 days by returning to store with your policy document and receipt. Providing you have not made a claim you will be entitled to a full refund. The refund will be given in the original funds you tendered. This 45 day period includes the 14 day statutory cancellation period. If you do not cancel within this period the premium becomes due, and the policy may run for its full term. After the 45 day period, you may cancel your insurance by giving 30 days written notice to Customer Services Manager, Allianz Schemes, PO Box 589, Great West House (GW2), Great West Road, Brentford, TW8 1AH. Please enclose your policy document and receipt. You may be entitled to a pro-rata refund.
How to make a claim
If your insured item has broken down as a result of an electrical or mechanical failure not caused by an accident please refer to the manufacturers’ warranty or your local Argos store.
If the fault was caused by accidental means or your phone has been stolen please refer to the sections below.
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Call Allianz Schemes (who administer the insurance for Allianz Insurance plc) within 14 days of the incident on 0870 264 0314.
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You may need to complete a claim form and return it to the address provided. If claiming under the Accidental Damage cover of this policy you will be informed where to send your damaged phone for inspection. For accidental damage or theft claims you will be required to forward a copy of your original purchase receipt for the mobile phone and insurance purchased.
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If your claim is accepted you will be sent Argos mobile phone vouchers less the £10 excess. Where a claim is declined we will write to inform you.
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Once your claim has been accepted your cover will end.
Complaints Procedure
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 703416
Email: schemescsm@allianz.co.uk
Using the complaints procedure or referral to the Financial Ombudsman Service does not affect your legal rights.
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 are 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.
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.
Financial Services Compensation Scheme
You may be entitled to compensation from the Financial Services Compensation Scheme (FSCS), if we cannot meet our liabilities under this policy. The level of compensation provided by the FSCS is that the first £2,000 of a claim or policy is protected in full, above this threshold, 90% of the rest of the claim or value of unused premiums will be met. Further information is available from the FSCS on 0207 892 7300 or at enquiries@fscs.org.uk
Underwriter
This insurance is underwritten by Allianz Insurance plc: Registered in England No. 84638. Registered Office: 57 Ladymead, Guildford, Surrey GU1 1DB United Kingdom. Administered by Allianz Schemes, PO Box 589, Great West House (GW2), Great West Road, Brentford, TW8 1AH,United Kingdom. (ACS1170/1)
Allianz Insurance plc is authorised and regulated by the Financial Services Authority. Our FSA registration number is 121849. Authorisation can be confirmed by the FSA by calling 0845 606 1234 or this can be checked by visiting the FSA website at www.fsa.gov.uk/register (This is a separate website and will open in a new window).
Copies of this document are available in Braille, audio cassette or large print on request.