Can I insure my children?
Yes. Family members are covered with the normal cover.
How much is it?
Policy
How much is it worth?
Monthly Premium
Annual Premium
Economy
Up to £150
£2.49
£27.39 (includes 1 month free!)
Standard
Up to £400
£5.88
£64.68 (includes 1 month free!)
Executive
Up to £600
£7.99
£87.89 (includes 1 month free!)
When am I covered?
With the Instant Cover, you are covered as soon as the online payment transaction of the first 3 months premium goes through.
With the Delayed Cover, you are not covered until the first Direct Debit payment for the first 3 months premium is paid.
When will I receive the paperwork through the post?
You will receive your policy details with your Direct Debit confirmation paperwork. Because the banks take some time to set up your
Direct Debit, it can take some time for them to confirm the set-up of your Direct Debit. This can usually takes 3-4 weeks.
So long as you put your correct email address in when you order, you will receive email confirmation for your policy order instantly.
Am I insured in a commercial vehicle?
Because commercial vehicles (such as builders vans etc) can have a large number of items stored in them and potentially stolen, we cannot
insure the item in any commercial vehicle. 'Commercial vehicle' means a work vehicle.
Where can I live?
This insurance only covers an electronic item bought and used in the UK, the Isle of Man and the Channel Islands. Cover
is extended to include use of the electronic item anywhere in the world up to a maximum of 60 days in total, in any
single 12 month period, subject to any repairs being carried out in the UK by repairers approved by us.
How do I get my replacement?
We replace with a like-for-like product - (ie the same) - or as near as possible at the time of replacement,
if by the time of the claim your model is no longer available.
What do I need as proof of purchase?
You need to have a receipt or invoice showing how you got it. If it came with a contract, the
documentation should show this. If it is an item that came free with another contract item (eg a contract mobile phone)
then you will have paperwork showing the connection between the item and the contrat item.
What is IPT?
Insurance Premium Tax (IPT) is a tax on general insurance premiums. There are two rates:
A standard rate of 5 per cent
A higher rate of 17.5 per cent for travel insurance and some insurance for vehicles and domestic/electrical appliances
Most long-term insurance is exempted from the tax, as is reinsurance, insurance for commercial ships and aircraft and insurance for commercial goods in international transit. Premiums for risks located outside the UK are also exempt, but they may be liable to similar taxes imposed by other countries.
Note: IPT is included in the premium quoted so you don't have to worry about it being an extra charge