Mobile Phone Insurance, Contract Mobile Phone Deals by First Contact Mobiles

Over 100,000 mobile phone repairs are carried out every week
Over 1.3 million handsets are stolen in the UK every year - that's one every 24 seconds.
Half of street crime involves a mobile phone
80% of household insurance policies do not adequately cover mobile phones

If your mobile phone is damaged or stolen this could cost you hundreds of pounds as well as causing a lot of inconvenience, stress and hassle. Without mobile phone insurance you could be liable for the following costs:

a) Repairing your mobile phone
You may believe that damaging your phone is unlikely yet the most common ground of insurance claims today are drops and knocks resulting in external and internal damage... there are thousands of these incidents each week! Do you remember the last time you accidentally dropped your phone? A colour screen alone can cost £200.00 to replace. You need to consider the costs involved, for example: Replacing your handset screen, you will be likely to pay £200+ for a colour screen and around £100 for a mono screen Liquid damage is irreparable

b) Replacing your mobile phone?
As many as 10,000 mobile phones are stolen in London alone every month?, according to the Metropolitan Police Website. With growing trends toward increasing crime for theft of handsets, better quality phones and longer airtime contracts, cover against theft has never been more important. According to the ?National Mobile Phone Crime Unit? current crime statistics reveal that a mobile telephone is stolen in about half of all street crime and, in approximately a third of cases, it is the only property stolen. Replacing your mobile phone could cost you £250 plus, dependent on brand and technology.

c) The remainder of your contractual agreement, if a contract customer
When you initially took out your contract with your network you signed for a minimum 12/18/24-month period. Your mobile phone is your responsibility, not the networks. Therefore, your network will continue to bill you for your monthly line rental. This could easily be £100 plus e.g. if you have 6 months left of your contract period and your line rental is £30.00 per month this would equate to £180.00.

Keep your phone within your sight and within reach when you are out and about.
If you need to use your mobile phone, go to a busy area where there are lots of people around.
If you leave your mobile handset in your vehicle, it should be concealed and stored safely in a locked glove compartment.
Do not text and walk at the same time, you won't be concentrating on the roads or your surroundings.
Ensure you register your phone with the network operator, so that if it is stolen they can bar the handset and SIM card.
Make a note of your individual IMEI number located underneath your battery on the handset.
In the event of your phone being stolen, you must inform the police as soon as possible, providing details of the;
Make
Model
Phone number
Pin number IMEI number
You will need to get a crime reference number from the police in order for your insurance claim to be processed.

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 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 on behalf of AXA Insurance UK plc Registered Office 5 Old Broad Street London EC2N 1AD Registered in England No 78950 (the Insurer) 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 ?500) or repair in respect of accidental damage liquid damage electrical or mechanical breakdown or theft of the Equipment occurring during the Period of Insurance

Exclusions
The Insurer 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. any amount recoverable under any guarantee warranty or other insurance
10. loss of the Equipment loss of use or consequential loss of any kind
11. repairs carried out by persons not authorised by Us
12. the policy excess as detailed below
13. the cost of replacing any stored data including but not limited to tunes songs personalised ring tones pictures films or graphics
14. any damage or fault caused by any form of electronic virus
15. breakdown caused by objects or substances not normally associated with the product such as sand or water

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 Ltd 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 each and 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
a. 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
b. advise Fonesure by telephone as soon as possible and in any event within 48 hours on the claims hotline number - 0870 416 3355
c. provide at Your own expense all details and evidence as may be reasonably required
d. notify the appropriate air time provider within 12 hours of discovery
Orange 07973 100150 T-Mobile 08454 125000
Vodafone 07002 191191 0-2 08705 8608603
08707 330333

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

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 for up to a maximum of 60 months in all upon receipt of Your monthly premium

Cooling off Period
You may cancel this policy within 14 days of receiving it by contacting Us at the address shown in this policy Provided no claim has been made a full refund of premium paid by You will be given

Complaints Procedure
It is the intention to give you the best possible service but if you do have any questions or concerns about this Insurance or the handling of a claim you should in the first instance contact the Scheme Administrator The contact details are:

Scheme Administrator Fonesure LimitedSuite 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
Please ensure your policy number is quoted in all correspondence to assist a quick and efficient response

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

If it is not possible to reach an agreement you have the right to make an appeal to the Financial Ombudsman Service This also applies if you are insured in a business capacity but have a group annual turnover of less than ?1 million or are a charity with an annual income of less than ?1 million or are a trustee of a trust with a net asset value of less than ?1 million You may contact the Financial Ombudsman Service at

Financial Ombudsman Service
South Quay Plaza 183 Marsh Wall Docklands London E14 9SR
Tel; 0845 080 1800 This does not affect your statutory rights

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 by Us 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 group 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

As part of our service we will enter your mobile phone and insurance details into the Immobilise Database For more information on this service please go to www.immobilise.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 (currently ?10) 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

We may exchange information with third parties for the purposes of fraud protection and credit risk reduction We may transfer our bases containing Your personal information if we sell Our business or part of it

Is it mandatory for me to take out mobile phone insurance while ordering phone from First Contact Mobiles?
No. It is not mandatory with the pay monthly contract deals. However, insurance cover is free for first 3 months and thereafter chargeable at £ 5.99 per month. Insurance can be cancelled anytime by giving 30 days written notice or email.

What does the policy cover?The policy covers your mobile phone against theft, Accidental Damage and Breakdown within the territorial limits during the period of Insurance.

How much is my Premium and how will it be collected?For the first three months of your contract, you do not need to pay any premium. From the 4th Month onwards you will be required to pay a premium of £ 5.99 per month. The premium will be collected via direct debit from your bank account.

Can I avail phone Insurance if I am a non UK resident?Unfortunately this policy is only meant for people who are residents of the UK.

How do I make a claim, if my phone has been stolen?First of all contact your network service provider and have the phone line barred to prevent any unauthorised calls. Inform the police and obtain a Crime Reference Number.

Contact the claim processing department, details is given in the policy document which will be sent along with the package.

How long does it take for any insurance claim to be processed?
It generally takes three working days in case the phone needs to be replaced. However if the phone needs to be repaired, it would take around 8 to 10 working days.

What do I do if I have an insurance enquiry or complaint?
For all enquiries related to the insurance services, you should, in the first instance, telephone or write to:

Fonesure Ltd
Suite 7
Chalkwell Lawns
648 - 656 London Road
Westcliff On Sea
Essex
SS0 9HR
United Kingdom