This information is provided to highlight to your customer the Key exclusions and conditions of the policy. Please read to the customer very carefully to ensure that they understand the limitations of the cover they are about to purchase.

• There is an excess fee payable for every claim the policyholder makes.
  • If their claim is for a gadget up to the value of £250 (when new) the excess fee is £50 for any claim.
  • If their claim is for a gadget between the values of £251 – £750 (when new) the excess fee is £75 for any claim.
  • If their claim is for a gadget over the value of £750 (when new) the excess fee is £100 for any claim.
• The policyholder’s gadget must be less than 1 year old, (unless you are arranging a multi-gadget insurance policy, in which case as long as 1 gadget is less than 1 year old, the others can be up to 3 years old), was purchased in the UK brand new, or if refurbished purchased with a minimum of 12 months warranty and this should be stated on your evidence of ownership.
• The customer must be able to evidence ownership at point of claim. This can be a copy of their receipt, delivery note or confirmation from their network provider of the phone they have in use on their contract.
• They may need to prove that their gadget has been used after the date they insured it.