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Fonesure Standard Terms and Conditions

Definitions

1. “We/Us/Our” shall mean Fonesure Limited (“Fonesure”)
2. “You/Your” shall mean the private individual or company detailed on the policy schedule
3. “Equipment” shall mean the Mobile Phone or ipod/MP3 Player and its battery and mains charger as specified on the policy schedule including any replacement Equipment provided by or loaned by Us
4. “Unattended shall mean not within Your sight at all times and/or out of Your arms-length reach

The Cover

UK Underwriting Ltd underwritten by AXA Insurance UK plc Registered Office: 5 Old Broad Street, London EC2N 1AD Registered in England No. 78950 will subject to the exclusions and conditions indemnify You by payment or at its option by replacement (with identical Equipment or Equipment of comparable specification up to a maximum retail value of £300) or repair in respect of accidental damage, liquid damage or theft of the Equipment occurring during the Period of Insurance

Exclusions

The Company shall not be liable for

1. theft of the Equipment from any unattended vehicle unless all windows are closed all doors are securely locked all security devices are activated and the Equipment is concealed from view in a locked glove compartment locked boot or locked load area
2. theft of the Equipment from any premises or mode of transport unless involving forcible and violent entry or exit
3. theft of the Equipment from the person of the user unless involving force or the threat thereof
4. theft of the Equipment whilst left Unattended when it is away from Your home
5. repair or replacement arising as a result of negligent use wilful abuse or misuse
6. damage to the battery or aerial or any cosmetic damage
7. the cost of replacing or repairing accessories or costs arising from the use of accessories
8. the cost of routine inspection service adjustment or cleaning
9. damage caused during installation or removal
10. any amount recoverable under any guarantee warranty or other insurance
11. loss of the Equipment loss of use or consequential loss of any kind
12. repairs carried out by persons not authorised by Us
13. the policy excess as detailed below
14. the cost of replacing any stored data including but not limited to tunes songs personalised ring tones or graphics
15. any damage or fault caused by any form of electronic virus

Conditions

1. The Schedule and the policy shall be read together as one document and any word or expression to which a specific meaning has been attached shall bear such specific meaning wherever it may appear
2. All reasonable precautions must be taken to prevent damage to or theft of the Equipment
3. Details of any replacement of the Equipment (IMEI/serial number) must be advised to Fonesure with proof of purchase in writing or by e-mail to Fonesure (insure@fonesure.com) 
4. Cover under this Insurance Policy is subject to the payment of the premium by direct debit, such premium being non-refundable after the insurance cover has commenced
5. This policy will be voidable in the event of fraud non disclosure or alteration of risk
6. Each party is entitled to cancel the insurance at any time giving not less than 30 days notice to the other in writing

Policy Excess

You will be responsible for the first £25 of your first claim increasing to £40 for any subsequent claims
You will be responsible for the first £40 of your first and subsequent claims for 3G handsets

Claims Procedure     In the event of a claim You must :

1. advise the police within 24 hours if there has been theft or vandalism and obtain a Crime Reference Number Lost property numbers are not acceptable in support of a claim
2. advise Fonesure by telephone as soon as possible and in any event within 48 hours on the claims hotline number - 0870 416 3355
3. provide at Your own expense all details and evidence as may be reasonably required
4. notify the appropriate air time provider within 12 hours of discovery

Orange     07973 100150      T-Mobile     08454 125000
Vodafone  07002 191191     0-2           08705 860860 
3               08707  330333

Territorial Limits

Great Britain Northern Ireland Isle of Man The Channel Islands or the Republic of Ireland and up to 60 days during any one calendar year elsewhere in the World.

Compensation Scheme

AXA Insurance UK plc is covered by the Financial Services Compensation
Scheme (FSCS) You may be entitled to compensation from the scheme if they cannot meet their obligations This depends on the type of business and the circumstances of the claim Most insurance contracts are covered for 100% of the first £2,000 and 90% of the remainder of the claim You can get more information about compensation scheme arrangements from the FSCS

Fonesure AXA Insurance UK plc and UK Underwriting Ltd are authorised and regulated by the Financial Services Authority This can be checked on the FSA's register by visiting the FSA's website at www.fsa.gov.uk/register or by contacting them on 0845 606 1234

UK Underwriting Ltd are an agent of the Insurer and in claims matters act on behalf of the Insurer

Period of Insurance

This insurance commences at the time of purchase for a period of one month and will continue to be renewed by periods of one month upon receipt of Your monthly premium.

MAKING YOURSELF HEARD

We realise that things can go wrong and there may be occasions when You feel that We have not provided the service You expected When this happens We want to hear about it so We can try to put things right If You have cause for complaint it is important You know We are committed to providing You with an exceptional level of service and customer care.

Step One - initiating your complaint

Please contact : The Scheme Administrator Fonesure Limited, Suite 7 Chalkwell Lawns 648-656 London Road Westcliff-on-sea Essex SS0 9HR

Tel (0870) 416 3353   Fax (0870) 416 3354    Email : enquiries@fonesure.com
 
We expect that the majority of complaints will have been quickly and satisfactorily resolved at this stage but if You are not satisfied you can take the issue further

Step Two - if you are still unhappy:

In the event You remain dissatisfied and wish to make a complaint You can do so by contacting the following:

The Claims Manager UK Underwriting Ltd 2 Gibraltar House
Bowcliffe Road, Leeds LS10 1HB.

Step Three - if you remain dissatisfied

If your complaint is one of the few that cannot be resolved by this stage write to the Head of Customer Care of Your insurer who will review the details of Your case and arrange for an investigation on behalf of the Chief Executive:

Customer Care AXA Insurance Civic Drive Ipswich IP1 2AN Or You may use email customercare@axa-insurance.co.uk Or telephone (01473) 205926 or fax (01473) 205101

Step Four - beyond AXA

If We have given You Our final response and You are still dissatisfied You may refer Your case to the Financial Ombudsman Service (FOS) The FOS is an independent body that arbitrates on complaints after We have provided You with written confirmation that Our internal complaints procedure has been exhausted :
Financial Ombudsman Service South Quay Plaza 183 Marsh Wall London E14 9SR Telephone (0845) 080 1800 Fax (020) 7964 1001 Please note You have 6 months from the date of Our final response in which to refer Your complaint to the FOS Referral to the FOS will not affect Your right to take legal action against Us.

Law applicable to the contract

Under United Kingdom law the parties to the contract have the right to choose the law which should apply  In the absence of any agreement to the contrary English law will apply.

Data Protection

The data supplied by You will be used for the purposes of processing Your policy of insurance including underwriting administration and handling any claim which may arise The data supplied may also be used by Fonesure or any associated company to contact You from time to time in order to notify You of other goods and services that We offer If You do not consent to such use of Your personal data please email Us at enquiries@fonesure.com.

It is important that the data You have supplied is kept up to date  You should therefore notify us promptly of any changes  You are entitled upon payment of an administration fee to inspect the personal data which we are holding about You  If You wish to make such an inspection You should contact: Fonesure Limited Suite 7 Chalkwell Lawns 648-656 London Road, Westcliff-on-sea Essex SS0 9HR

We may respond to enquiries by the Police concerning Your policy in the normal course of their investigations  Where it is necessary to administer Your policy effectively or to protect Your interests we may disclose the data You have supplied to other third parties such as solicitors loss adjusters motor garages engineers repairers replacement companies other insurers etc