- Up to 1-year accidental damage cover (from receipt of your phone), including up to 1 successful cl. A cl excess will apply based on the value of your phone..
- E-mail delivery of policy documents or by post on request. Cancel at any time; full refund within 45 days, proportional thereafter. Transferable if you sell or gift your product..
- If damaged and your cl is approved, we'll collect your phone and provide you with an desertcart (minus any cl excess) or, at our option, repair or replace your phone..
- desertcart Protect does not cover phones purchased for business/commercial use and only covers phones purchased on the same day from desertcart.co.uk..
- Please read the Insurance Product Information Document, other important information, policy terms and conditions by following the link(s) below and check that the policy meets your needs before purchase..
------------------------------------
Mobile Phone Accidental Damage Cover
------------------------------------
Peace of mind with Protect
---------------------------
It’s easy to damage your phone accidentally, and when you do, you
want to be protected. Make sure you have the necessary cover to
avoid expensive repairs not covered by your manufacturer
guarantee.
Please read the following to make sure the cover is suitable.
(View Insurance Product Information Document ( https://m.media-.com/images/G/02/product_insurance/docs/AMWTG/MAD/policyInformation.pdf ) and Terms and Conditions ( https://m.media-.com/images/G/02/product_insurance/docs/AMWTG/MAD/tnc.pdf ))
----------------------
What you need to know:
----------------------
E-mail delivery of your documentation
-------------------------------------
Your policy documentation will be e-mailed to you within
24-hours of your purchase. Remember to check your spam folder if
you don’t receive it. If you'd also like to receive a paper copy
of your policy documents by post, please follow the advice given
in the email.
You can also access your documentation from within the "Your
Orders" page of your account. Find the order and click "View
policy documents" to download a copy. This feature will be
available no later than 24 hours after purchase. If you have any
queries, please e-mail us at enquiries@protect.co.uk or call us
on 0303 313 0001.
Quick and simple cl process
------------------------------
If your cl is approved, we will collect your phone and settle
your cl upon receipt. We will settle your cl by providing
you with an to the value of the current retail market
price of an identical or equivalent specification phone (as
defined by us) purchasable on .co.uk less the cls excess (see
‘Cl Excess’ below). However, we reserve the right to settle
your cl by repairing or replacing your phone at our option,
where it is possible and we choose to do so. An excess fee is
also payable in such instances. For cls whilst abroad, please
refer to the “Cover whilst abroad” section.
Accidental damage covered
-------------------------
From the day you receive your phone, Protect will cover you for
a single accidental damage cl (e.g. a drop, broken screen or
liquid damage).
Your policy will end after a single successful accidental damage
cl and no premium refund will be due.
Repair or replacement phone
---------------------------
If we decide to do so, we may repair your phone or replace it
with a new or grade A refurbished phone of identical or
equivalent specification. The value of any replacement phone
shall not exceed the original purchase price of your phone. A
cl excess will be payable before we can repair or replace your
phone.
Cl excess
------------
You will need to pay a contribution towards your cl before it
is settled, this is the cl excess. If the cl is settled by
, the excess will be deducted from the value of the gift
card. If the phone is replaced or repaired, you will need to pay
the cl excess.
The value of the cl excess is dependent on the original
purchase price of your phone. £25 for phones with a purchase
price of £249.99 or less. £50 for phones purchased from £250 to
£499.99 or £75 for phones purchased at £500 and above.
Cover whilst abroad
-------------------
Protect covers your phone when travelling or holidaying outside
of the UK. We will cover you anywhere in the world for a
manufacturer approved repair or we can settle your cl upon
your return home. Please note that authorisation is required from
us, either by phone or e-mail, before you get your phone
repaired. Where a phone is repaired with our authorisation and
your costs are covered (minus cl excess), this will settle
your cl and the policy will end with no premium refund due.
Cancel at any time
------------------
Receive a full refund if you cancel within 45 days (provided no
successful cl has been made). If you cancel after this, a
proportional refund will be made depending on the length of any
remaining term. No refund will be due, if a successful cl has
been made.
In the event you cancel your phone order prior to dispatch and
we are able to associate that order with this policy, we will
automatically cancel this policy, initiate a full refund and
email you confirmation. If you do not receive confirmation,
please follow the cancellation process as detailed in the Terms
and Conditions.
Insurance contract protection
-----------------------------
Protect is an insurance contract provided by London General
Insurance Company Limited and is covered by the Financial
Services Compensation Scheme in the event the insurer cannot meet
its liabilities.
Please note: this policy excludes
---------------------------------
• Mechanical or electrical breakdown;
• Intentional and malicious damage;
• Loss or theft;
• Contents of your phone, such as data, photos and software;
• Accessories not included with the phone when purchased;
• Cosmetic damage that does not affect the functionality of your
phone.
For full details of all exclusions, please refer to the full
Terms and Conditions ( https://m.media-.com/images/G/02/product_insurance/docs/AMWTG/MAD/tnc.pdf ).
Important information
---------------------
• Cover starts upon delivery of your phone;
• Protect does not cover phones purchased for
business/commercial use;
• Please refer to your phone information for details about your
statutory guarantee;
• The phone being insured must be purchased from .co.uk;
• This is optional cover and other insurances, such as home
contents insurance, may cover your phone;
• If you choose to purchase Protect, you can only do so on the
same day as your phone purchase. Alternative warranties may be
available elsewhere;
• This insurance does not affect your statutory rights;
information about your statutory rights can be obtained through
your local authority Trading Standards Department or Citizens
Advice Bureau;
For further information please read the Insurance Product
Information Document ( https://m.media-.com/images/G/02/product_insurance/docs/AMWTG/MAD/policyInformation.pdf ) and the full Terms and Conditions ( https://m.media-.com/images/G/02/product_insurance/docs/AMWTG/MAD/tnc.pdf ).
Queries & complaints
------------------------
If you have any queries, please e-mail us at
enquiries@protect.co.uk or call us on 0303 313 0001.
If you feel that London General Insurance Company Limited or
Services Europe S.á r.l have not lived up to your expectations in
any way then please e-mail us at complaints@protect.co.uk or call
us on 0303 313 0001.
Local call rates apply. Cost from mobiles may vary.
You may refer to the Financial Ombudsman Service if your
complaint is not resolved to your satisfaction by the insurer.
Please see the Terms and Conditions for full information.
You may also refer to the European Commission's Online Dispute
Resolution (ODR) service - See section 6 of the Terms and
Conditions ( https://m.media-.com/images/G/02/product_insurance/docs/AMWTG/MAD/tnc.pdf ), General Queries and Complaints.
Who provides Protect?
----------------------
The insurance is underwritten by London General Insurance Company
Limited (LGI), part of Assurant Inc.
London General Insurance Company Limited is an AM Best A
(Excellent) rated insurance company, and a private company
limited by shares and incorporated in England. Its registered
head office is at TWENTY Kingston Road, Staines-upon-Thames,
Surrey TW18 4LG Registered Number 1865673 and it is authorised by
the Prudential Regulation Authority and regulated by the
Financial Conduct Authority and Prudential Regulation Authority
FRN 202689.
Your personal details will be used by London General Insurance
Company Limited (‘we’/’us’/’our’) and our administrators,
repairers and service providers for policy and cls
administration and for fraud prevention. We may also share your
details with Services Europe S.á r.l. (ASE) or its affiliates
for the purposes of delivering the benefits under your policy. A
copy of the details held by us about you is available upon
request from us. We may also provide by post or email, text or
telephone, administrative information relating to your policy
including expiry/renewal details. For these purposes, your data
may be confidentially and securely transferred outside the EEA.
Please see the full terms and conditions for more information
about how we use your personal details.
ASE, whose registered office is 38 Avenue John F. Kennedy, L-1855
Luxembourg, is authorised and regulated by the Commissariat aux
Assurances in Luxembourg, as an insurance agency of the branch
office of London General Insurance Company Limited in Luxembourg.
You can check this registration on the website of the
Commissariat aux Assurances at www.commassu.lu or by calling the
Commissariat aux Assurances at +352 22 69 11 1.
ASE acts as an insurance agent for and on behalf of London
General Insurance Company Limited. You do not pay a fee for this.
ASE receives a commission from London General Insurance Company
Limited which is a percentage of the insurance premium, with the
potential for an additional payment if certain profit targets are
met.
