Summary of Cover


Summary of Cover

The information shown here is only a summary of what is covered. It does not form part of the contract between you and us. Please read your policy for full details of all terms and conditions and the excesses that apply to you.

This policy is underwritten by certain underwriters at Lloyd’s of London. It is arranged and administered by Warranty & Creditor Services. It is a mobile phone insurance policy and covers theft, damage to the mobile phone and misuse of airtime. In order to be eligible for cover you must be the original owner of the mobile phone, it must be less than 12 months of age at the time you apply for the insurance, be in good working condition and free from any damage or defects.

Theft and damage

  • If the phone is stolen you will be supplied with the same model of mobile phone if available, if the same model is not available then a replacement with similar features and functions will be provided.
  • Theft must be reported to the police within 24 hours of the incident, you must notify your mobile network to bar your handset within 24 hours of the incident and the administrator within 48 hours of the incident.
  • If the phone is damaged or breaks down after the manufacturer’s warranty expires then you are covered for the cost of repair including parts.
  • If the phone is damaged or breaks down after the manufacturer’s warranty and is beyond economic repair you will be supplied with the same model of mobile phone if available, if the same model is not available then a replacement with similar features and functions will be provided.
  • There is an excess for each and every claim. The excess is £75 for iPhones and £50 for all other phones. For any accidental damage claims occurring in the first 90 days of the insurance an additional excess of £25 is payable.
  • Claims arising in the first 14 days of the policy are not covered.
  • The maximum number of claims that may be made where the handset is a total loss (stolen or damaged beyond repair) is two.
  • The policy does not cover the cost of repair or replacement of SIM cards, car kits, batteries, chargers, aerials.
  • The policy does not cover some instances of theft where the phone has not been properly secured.

Misuse of airtime

  • If the phone is stolen and is then used before disconnection, the policy covers all unauthorised calls made on the phone up to a value of £250.
  • The policy does not cover the cost of any unauthorised calls if the theft is not notified to your airtime provider as soon as theft becomes apparent.

Duration

  • This is an annual policy lasts for 12 months and may be paid by monthly direct debit. If you make a claim you must pay the remainder of monthly premiums due for the year before we can consider your claim .
  • Your policy will renew automatically each year unless you tell us in advance that you do not wish to renew the insurance. We will contact you prior to renewal to tell you the terms for continuing the policy.

Making a claim

  • To make a claim, please complete a claim form at http://claims.wcsinsurance.eu/ or call 01256 471387 for a claim form
  • For theft claims you will need to provide a completed claim form, a crime reference and evidence of any forced entry (where appropriate). For misuse of airtime claims you will need to send your original airtime bill showing the calls that were made following theft. For damage claims you will need to send your handset to our authorised repairer.

Cancellation

  • You will have the right to cancel this policy within 14 days of the start of the cover by providing written notice to the Warranty & Creditor Services, 6 Faraday Office Park, Faraday Road, Basingstoke, RG24 8QQ. If you do not exercise your right to cancel this policy will continue in force indefinitely until termination by you or the underwriters.

Dispute

  • In the event of dispute write to the Customer Service Manager at Warranty & Creditor Services, 6 Faraday Office Park, Faraday Road, Basingstoke, RG24 8QQ stating the nature of your complaint and the policy number in the first instance.
  • If you are not satisfied with the outcome you may subsequently approach the Policy and Market Assistance, Lloyd’s Market Services, 1 Lime Street, London EC3M 7HA Telephone: +44(0)20 7327 5693 Email:complaints@lloyds.com.
  • Complaints that cannot be resolved by Policyholder and Market Assistance at Lloyd’s may be referred to the Financial Ombudsman Service (the “FOS”) Exchange Tower, Harbour Exchange Square, London E14 9SR. Information about the FOS can be found at http://www.financial-ombudsman.org.uk/ including details of the types of complaints the FOS will be able to consider. It can be contacted by email at complaint.info@financial-ombudsman.org.uk. Telephone 0800 023 4567 or 0300 123 9 123.The above complaints procedure is in addition to Your statutory rights as a consumer. For further information about Your statutory rights contact Your local authority Trading Standards Service or Citizens Advice Bureau.

Initial Disclosure Document

  1. We are Warranty & Creditor Services of 6 Faraday Office Park , Faraday Road, Basingstoke, RG24 8QQ
  2. Warranty & Creditor Services of 6 Faraday Office Park, Faraday Road, Basingstoke, RG24 8QQ  are authorised and regulated by the Financial Conduct Authority. Warranty & Creditor Services’s permitted business is advising on, arranging and dealing (as agent) in non investment insurance contracts (broadly simple insurance contracts with no element of investment involved). You can check this on the FCA Register by visiting the FCA’s website: http://www.fca.org.uk or by contacting the FCA on 0800 111 6768.
  3. We do not provide any advice or information on mobile phone insurance. We only offer mobile phone insurance from one insurer, Lloyd’s of London.
  4. We will not charge a fee for our service.
  5. If you wish to register a complaint, please write to the Customer Service Manager at Warranty & Creditor Services, 6 Faraday Office Park, Faraday Road, Basingstoke, RG24 8QQ stating the nature of your complaint and the policy number in the first instance. If you are not satisfied with the outcome you may subsequently approach the Policy and Market Assistance, Lloyd’s Market Services, 1 Lime Street, London EC3M 7HA Telephone: +44(0)20 7327 5693 Email:complaints@lloyds.com. Complaints that cannot be resolved by Policyholder and Market Assistance at Lloyd’s may be referred to the Financial Ombudsman Service (the “FOS”). Information about the FOS can be found at http://www.financial-ombudsman.org.uk/ including details of the types of complaints the FOS will be able to consider. It can be contacted by email at complaint.info@financial-ombudsman.org.uk. Telephone 0800 023 4567 or 0300 123 9 123.

Compensation

Underwriters at Lloyd’s of London are covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the Scheme if an insurer is unable to meet its obligations to you under this contract. If you are entitled to compensation under the Scheme, the level and extent of the compensation would depend on the nature of this contract. Further information about the Scheme is available from the Financial Services Compensation Scheme, 10th Floor, Beaufort House, 15 St Botolph Street, London EC3A 7QU. Telephone: 0800 678 1100 or 020 7741 4100. Website www.fscs.org.uk.

Statement of price

Premiums for iPhones are £7.99 to £9.99 per month depending on the model. Premiums for non iPhones vary from £3.99 to £7.99 per month depending on handset value. Premiums include Insurance Premium Tax at the rate of 6%. The premium is separate from the cost or purchasing your mobile phone or paying for your airtime.

Statement of Demands and Needs

This insurance product meets the demands and needs of a mobile phone owner who wishes to protect their handset from the costs of theft or damage. It has not been personally recommended by Warranty & Creditor Services


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Office hours are 9:00am to 5:00pm Monday to Friday

We are closed on public holidays.

Email: admin@wcsinsurance.co.uk


Claims Information

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If you have an existing claim and need to contact us please email us on claims@wcsinsurance.co.uk, please include your full 8 digit policy number in the subject line.

We can only correspond with the policyholder about their claim.