• Policy Summary
• Price
• Cancellation
• Claims
• Enquiries
• Compensation Scheme
• Policy Document
• Policy Document - A) Definitions
• Policy Document - B) Price
• Policy Document - C) Cover
• Policy Document - D) How to make a claim
• Policy Document - E) Conditions on making a claim
• Policy Document - F) What will happen when your claim is approved
• Policy Document - G) Important things that you must do
• Policy Document - H) Theft, Loss and damage
• Policy Document - I) Electrical or mechanical breakdown
• Policy Document - J) General exclusions
• Policy Document - K) Cancelling the policy
• Policy Document - L) Fraud
• Policy Document - M) Enquiries/Complaints
• Policy Document - N) Other information

Mobile Phone Insurance for pay-as-you-go handsets - Policy Summary

• One pay-as-you-go mobile phone and SIM card, (purchased at the same time as your insurance policy) which is owned by you or is your responsibility, up to the lower of the maximum original retail cost or value stated on your certificate. The mobile phone is identified by the IMEI number and mobile phone number
• The cost of replacing the phone as a direct result of theft or loss (where loss cover is indicated on your certificate)
• The cost of repairing the phone (or replacing it if the phone cannot be repaired) as a direct result of accidental damage, water or liquid damage, or malicious damage
• The cost of repairing the phone (or replacing it if the phone cannot be repaired) where damage is a result of electrical or mechanical breakdown
• Replacement of accessories originally supplied with the phone and subject to the same incident as the handset up to a value of £50 per claim
• The phone wherever you are in the world, repair or replacement will be arranged upon your return to the UK
• One approved claim or a period of twelve months from the start of your policy, whichever occurs first. The start date of your policy appears on your certificate
• Phones which have a primary use for the making and receiving of telephone calls, SMS text messages and data. We do not cover PDA type devices. Please see the definition of mobile phone/phone in section A of the Policy Document

• Loss of the phone where cover for loss is not indicated on your certificate
• The policy excess of £10, or £20 (as indicated on your certificate) if you make a successful claim
• Theft of the phone from an unattended motor vehicle, unless secured in a glovebox or locked boot
• Theft or loss of the phone from any unattended building or premises, unless evidenced damage was caused in gaining entry to, or exit from, the premises
• Theft or loss of the phone if it has been left unsecured in a public place or place to which others have access
• Theft, loss or damage of the phone where it has been passed to someone else other than a family member
• The cost of unauthorised use of the phone

Price

Cancellation

Claims

1. You must inform the Police within 24 hours of discovering any loss (where loss cover is indicated on your certificate), theft or malicious damage for which you wish to make a claim, obtaining an incident reference number.
2. Call Tesco Mobile on 0845 301 4455 to bar the SIM card. Doing this will prevent any further unauthorised calls being made.
3. You must register a claim by contacting either
   a.Contacting Customer Services on 0845 026 4736 within 48 hours of discovering any incident for which you wish to claim.
   b.Visit our website at www.lifestylegroup.co.uk/tescomobilepi to register your claim online.
4. You must complete and return the claim form to us within 14 days of receiving it, ensuring that you have followed the procedure detailed on the claim documentation.

Enquiries

Compensation Scheme

Policy Document

• Cover is available providing the payment is received in advance
• Cover will cease 12 months from the date of purchase or after settlement of a successful claim, whichever occurs first

• You must pay for the cover in advance
• You must adhere to all the conditions detailed in these terms
• If you do not believe the policy is suitable for you, you can cancel it within the first 28 days after receipt of these terms. We will refund your payment, providing no claim has been made during this period. After 28 days, no refund of payment will be made
• The phone stated on the certificate must be your property or responsibility. The phone can be used by a family member. If the phone is no longer in your possession the cover will cease. Your cover is not transferable

A) Definitions

Administrator

Certificate

Electrical or Mechanical Breakdown

Excess

Family Member

IMEI Number

Incident

Insurer

Proof of Purchase

Services

SIM Card

We/Us/Our

You/Your

B) Price

C) Cover

1. One pay-as-you-go mobile phone and SIM card (purchased at the same time as your insurance policy) which is owned by you or is your responsibility, up to the lower of a maximum original retail cost or value stated on your certificate. The mobile phone is identified by the IMEI number and mobile phone number.
2. The cost of replacing the phone as a direct result of theft or loss (where loss cover is indicated on your certificate).
3. Replacement of accessories originally supplied with the phone and subject to the same incident as the handset up to a value of £50 per claim.
4. The cost of repairing the phone (or replacing it if the phone cannot be repaired) as a direct result of accidental damage, water or liquid damage, or malicious damage.
5. The cost of repairing the phone (or replacing it if the phone cannot be repaired) where damage is a result of electrical or mechanical breakdown.
6. The phone wherever you are in the world, repair or replacement will be arranged upon your return to the UK.
7. One approved claim or a period of 12 months from the start of your policy, whichever occurs first. The start date of your policy appears on your certificate.

D) How to make a claim

1. Visit our website at www.lifestylegroup.co.uk/tescomobilepi to register your claim online.
2. Contact Customer Services on 0845 026 4736
   Monday-Friday8.00am-8.00pm
   Saturday & Sunday9.00am-6.00pm

1. Call Tesco Mobile 0845 301 4455 to bar the SIM card - doing this will prevent any further unauthorised calls from being made.
2. Inform the Police within 24 hours of discovery of the incident and ask for an incident reference number.

E) Conditions on making a claim

1. You must register a claim within 48 hours of discovering any incident for which you wish to claim, by visiting our website or by contacting Customer Services.
2. You must inform the Police within 24 hours of discovering any theft, loss (where covered) or malicious damage for which you wish to make a claim, obtaining an incident reference number.
3. You must complete and return the claim form to us within 14 days of receiving it, ensuring that you have followed the procedure detailed on the claim documentation.
4. You must return the damaged phone and accessories to us for inspection before your claim will be assessed. You must send the phone and accessories by secure means, as described in the claim documentation. The phone and accessories remain your responsibility until we have received them.
5. You must ensure that no one but our approved agents carry out repairs to, or maintenance of, the phone and accesories.
6. You must provide the proof of purchase for the phone and accessories with your claim form.
7. You must pay the excess as indicated on your certificate when you make a claim.

F) What will happen when your claim is approved

1. Replacement phones and accessories will come from new or refurbished stock. In the event that the same model is not available, the replacement will be of a similar specification and quality; we will contact you to confirm the phones that are available.
2. We may settle your claim, at our discretion, by replacement, repair, or cash settlement. We will advise you of the method of settlement at the time your claim is authorised.
3. If the SIM card has been lost, stolen or damaged, you will need to contact Tesco Mobile to request a replacment. If you are charged for the replacement we will reimburse you. You may be asked to provide a receipt for the cost of the SIM card.
4. If you need to claim as a result of an incident outside the UK, the phone will be repaired or replaced once you return to the UK.
5. If any stolen or lost equipment is recovered after the claim is approved, it shall become the property of the insurer and must be returned to us immediately.
6. Damaged phones, accessories, parts and materials replaced by us shall become the property of the insurer.
7. The details of phones reported stolen or lost will be submitted to the Central Equipment Identity Register to prevent further use.
8. Once your claim is approved, cover ends under the terms and conditions of this policy.

G) Important things that you must do

1. Use the phone in accordance with the manufacturer's instructions.
2. Take reasonable care to prevent theft, loss or damage to the phone. If it is considered that you have not done so, your claim may not be accepted.
3. Advise us if any of your personal details change.
4. Inform us of any theft, loss or damage covered by your policy within the given timescales.

H) Theft, Loss and damage

1. Theft of the phone from an unattended motor vehicle, unless secured in the glovebox or locked boot. The vehicle must be locked and all security devices activated. Damage must be caused by the thief and evidence provided with your claim. Cover will not be provided if the vehicle could not have been secured against unauthorised entry.
2. Theft or loss of the phone from any unattended building or premises unless evidenced damage was caused in gaining entry to, or exit from, the premises.
3. Theft or loss of the phone if it has been left unsecured in a public place or place to which others have access.
4. Theft, loss or damage to the phone if it has been passed to someone else other than a family member.
5. The cost of unauthorised use of the phone.
6. Theft, loss or damage to accessories or SIM card where the incident is not linked to the damage, loss or theft of the registered phone.

I) Electrical or mechanical breakdown

1. Loss or damage caused by, or during, maintenance or modification of the phone.
2. Any breakdown or failure caused by placing or using the phone in a location or environment not in accordance with the manufacturer's instructions.

J) General exclusions

1. Loss of the phone where loss cover is not indicated on your certificate.
2. The policy excess of £10, or £20 (as indicated on your certificate) if you make a successful claim.
3. Any loss (business or personal) resulting from loss of use of the phone.
4. Where the IMEI number cannot be determined from the phone or the proof of purchase cannot be provided to prove ownership of the phone.
5. Damage due to wear and tear, depreciation or gradual deterioration.
6. Damage due to any process of cleaning, adjustment, repair, maintenance or dismantling.
7. Installation, removal, or subsequent relocation of the phone in a vehicle, or any electrical or mechanical breakdown as a result of such.
8. The cost of cosmetic repairs.
9. Theft, loss, damage, or breakdown caused by war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, or insurrection by military or usurped power.
10. Theft, loss, damage, or breakdown arising out of any wilful act or negligence of the user of the phone.
11. Any claim arising from, or in connection with, the repossession of the phone by any bank, finance, leasing or similar company, or person acting with such authority, and/or the confiscation or impounding of the phone by any Police, Customs or Government Authority.
12. People who are not permanently resident in the UK.
13. Any consequential loss incurred by you during the administration of the policy or at the time of a claim.
14. Loss or corruption of data, images, games, logos, wallpaper, videos, or downloads, due to theft, loss, damage or breakdown of the phone, or damage caused by a virus. It is recommended that a back-up copy of all data is kept.

K) Cancelling the policy

1. If the policy does not meet your requirements, please telephone our Customer Services team immediately on 0845 026 4736 or write to:
   Customer Services
   Lifestyle Services Group Limited
   PO Box 395
   CREWE
   CW1 6WT
2. You have the right to cancel this policy within the first 28 days after receipt of these terms. We will refund your payment, providing no claim has been made during this period. The full payment will be retained if the policy is cancelled after 28 days.
3. We may cancel this policy with immediate effect by registered letter to you at your last known address in the event of you submitting any fraudulent or inaccurate information, or for any other valid reason. Any refund will be made at our discretion.
4. You may cancel this policy with immediate effect by telephoning Customer Services on 0845 026 4736, after the first 28 days, and any payments you have made will be retained.

L) Fraud

• make(s) a claim under the policy knowing the claim to be false or fraudulently exaggerated in any respect
• make(s) a statement in support of a claim knowing the statement to be false in any respect, or submit(s) a document in support of a claim knowing the document to be forged or false in any respect
• make(s) a claim in respect of any theft, loss or damage caused by your wilful act, or with the intent to defraud us or the insurer

• we shall not honour the claim
• we shall not honour any other claim which has been or will be made under any policy held by you
• we shall not make any return of payments made for cover and we may, at our option, cancel the policy
• we may be entitled to recover from you the cost of any claim already paid under this policy (if necessary the cost may be recovered through the instigation of court proceedings)
• we may be entitled to recover from you the cost of any investigation into a fraudulent claim under this policy (if necessary the cost may be recovered through the instigation of court proceedings)
• we may inform the police, government or regulatory bodies of the circumstances

M) Enquiries/Complaints

N) Other information

Lifestyle Services Group Limited.

London General Insurance Company Limited.

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