Frequently asked Questions
Gadget Cover is a cost effective way to insure those everyday gadgets and consumer electronics that we never leave the house without! Where the average monthly insurance premium on any one item is £5.88, you can insure 3 for £9.99 and 5 for £14.99
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.
Figures published in 2006 show an increase of 40% in crime rates largely caused by small electronic devices such as ipods, Mobile phones and laptops etc, 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.
What is covered under the policy?
Theft – including unattended theft from a secure vehicle / secure premises, Loss (mobile phones and PDA's only), Extended Warranty (Up to 5 years but not included on Laptops), Accidental Damage (including Liquid Damage), International Cover, Free No Claims Bonus & Guarantees a 48 Hour replacement
Leaving the phone unattended, except as above,
Not reporting the theft/loss within 24 hours to the police, or, in the case of mobile phones and PDA's, not reporting the theft/loss to the Service Provider within 12 hours to stop the line and blacklist the handset.
An excess fee of £25 for theft / damage claims and £50 for loss claims and £75 for international claims
Yes. There is an excess fee of £25 for theft / damage claims and £50 for loss claims and £75 for international claims
Do I need to supply a receipt?
In the event of a claim you will need to provide receipts for all items you are claiming for
Is there an age restriction on the items I can insure?
For single cover the item must be less than 6 months old, excluding laptops which must be insured within the first 14 days. For Gadget Cover, at least one of the items must be less than 6 months old. The remaining items must not be older than 2 years old.
In the event of a claim you must:
- Report the theft / loss to the police within 24 hours of discovery
- Report the theft / loss of a mobile phone / PDA to your Service Provider immediately, but in any case within 12 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 process your claim within 48 hours
Do I have to complete a written claim form?
No. The majority of our claims are processed over the phone however you may claim online if you prefer. Unlike many other insurers, we do not insist on delaying your claim while we wait for paperwork to be posted back and forth.
Who is the policy Underwritten by?
Policies sold from 01 April 2007 are underwritten by Equity Red Star who is managed by Equity Syndicate Management Limited, which is authorised and regulated by the Financial Services Authority. Equity Syndicate Management Limited is registered in England number 426475. The registered address is at Library House, New Road , Brentwood, Essex , CM14 4GD
For all policies taken out between 01 January 2007 – 31 March 2007 the policy is underwritten by UK Underwriting on behalf of AXA Insurance Plc Registered in England No 78950. Registered office: 5 Broad Street , London , EC2N 1AD , which is authorised and regulated by the Financial Services Authority
All policies taken out prior to 01 January 2007 are underwritten by UK Underwriting on behalf of Norwich Union Insurance Limited. Registered office 8 Surrey Street , Norwich , NR1 3NG which is authorised and regulated by the Financial Services Authority
Your cover begins when your first premium for the insurance is paid. If the reseller has arranged for you to have a period of free insurance, your cover will commence at point of sale
You can make a claim by calling our dedicated Claim Advisors on 0871 222 1130 or writing to
Claim Department
204 Cumberland House
80 Scrubs Lane
London
NW10 6RF
Telephone: 0871 222 1130
E-Mail: claims@supercoverinsurance.com
THEFT / LOSS CLAIM click here
DAMAGE / FAULT click here
What should I do if I get a new phone?
You should contact customer services 0871 222 1130 with your new phone details and also post a copy of your receipt to 204 Cumberland House, 80 Scrubs Lane , London , NW10 6RF
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.
Figures published in 2006 show an increase of 40% in crime rates largely caused by small electronic devices such as ipods, Mobile phones and laptops etc, 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.
How can I cancel the insurance?
Cancellations must be in writing. If you are canceling the insurance within a “free” period of insurance then no notice is required, thereafter, or in all other cases, one month cancellation notice is due. You can e-mail cancellations@supercoverinsurance.com or write to 204 Cumberland House, 80 Scrubs Lane , London NW10 6RF
If I have a complaint, what should I do?
Supercover Insurance Plc is incorporated in the UK and authorised and regulated by the Financial Services Authority.
Although we endeavor to meet our customers' expectations at all times, we understand that from time to time complaints may arise. Our complaints handling procedures are designed to comply with the rules prescribed by the Financial Services Authority and our aim is to resolve any complaints that we receive both fairly and promptly.
What is the Complaint Procedure?
Supercover Insurance Plc is incorporated in the UK and authorised and regulated by the Financial Services Authority.
Although we endeavour to meet our customers' expectations at all times, we understand that from time to time complaints may arise. Our complaints handling procedures are designed to comply with the rules prescribed by the Financial Services Authority and our aim is to resolve any complaints that we receive both fairly and promptly.
Who should I contact with my complaint?
In the first instance, your complaint should be addressed to The Customer Services Manager at the above address.
How will my complaint be dealt with?
Within 1 - 5 days of receipt of your complaint you will receive a letter. This will either be a response to your complaint or if we are not able to respond at this time we will inform you of who is handling your complaint, provide a reference for your complaint, and explain why we are unable to respond at this time
If after 4 weeks, we have still unable to resolve your complaint you will receive a further letter informing you of our progress.
If after a further 4 weeks we are still unable to resolve your complaint you will receive a letter explaining why we cannot respond to your complaint. We will indicate when we expect to respond and will provide details of your right to refer your complaint to The Financial Ombudsman Services
We will endeavour to deal with all complaints in the instance within which they occur. Where this is not possible, we will endeavour to deal with the complaint with 5 working days
Any reference to any of the above will not affect your right to take legal proceedings
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