Cellphone Brochure

You can’t imagine your life without your cellphone and you’ll never have to when you take out Cellphone insurance. This Cellphone policy covers you if your phone is lost or damaged. There’s no lengthy paperwork, no unexpected financial surprises, and no worries. With one phone call you can take out cover or submit a claim – so you can stay in touch, no matter what.

What the Cellphone policy covers

With this policy, you are insured against most kinds of cellphone damage or loss – anywhere in the world!

You are covered for:

• theft;
• smash and grab;
• accidental loss;
• accidental damage; and
• even for water damage!

Premium obligations

Your Cellphone policy gives you monthly cover and your premium is deducted in advance on the date stated on your schedule. Your policy will only commence upon receipt of the first premium.

1. For your premium obligations, refer to the paragraph headed “Payment Details” on your schedule. This will give you details regarding the premium payable, the manner of payment of premiums and the due date for payment of your premiums.
2. Please take note that we agreed to collect the monthly payment for your policy by debit order. A deduction will be made on the same date every month. We reserve the right to deduct your premium on an alternative date in an attempt to ensure cover. Should this date fall on a weekend or public holiday, the deduction will be made either on the last working day prior to, or the first working day after, the weekend or public holiday. If we do not receive your premium on your preferred deduction date, we may attempt to collect your premium on a more suitable date in an effort to keep you covered. If payment is not received for three consecutive months, the policy will be cancelled immediately.

Policy changes

Any change or cancellation will be effective from the date agreed upon. Note that if the insurer needs to change or cancel your policy, you will be given 31 days’ notice. This may be done verbally, electronically, by fax or by post to your last-known address.

How to claim

It is as easy to claim as it is to take out cover:

• Simply call the Claims number.
• If your phone is damaged and cannot be repaired, it will be replaced with a new one of the same make and with a specification at least equal to the insured phone. The same will be done if your phone is stolen or if you lose it accidentally.

Your obligations

As part of the contract between you and the insurer, there are certain obligations you, the policyholder, need to fulfil in order to ensure that your cover remains valid:

• You must disclose all material facts accurately and completely. All answers, statements and any other information you provide are your own responsibility.
• Incorrect information or non-disclosure or misrepresentation of information may influence the insurer on any claims arising from your contract of insurance and may influence the insurer’s decision to provide the benefits in terms of your policy, or to accept or terminate your policy.
• If any of the details on your schedule change, make it known as soon as possible. Failure to do so could result in your claim being declined.
• Benefits may also not be provided if you fail to carry out your obligations in terms of your contract of insurance.
• Use all reasonable care and take all reasonable precautions to prevent or minimise loss of or damage to your phone.
• Report the theft to the SAPS within 48 hours if your phone is stolen.
• Call the Administration number to ensure that your phone is blacklisted if it is stolen.
• Inform the insurer of your claim within 60 days of the loss or damage.
• Provide the insurer with any information or documents required, within 30 days of the request.
• Ensure that your phone is not included with your cover if you also have short-term insurance with another insurer (if this happens and your claim is also covered by a policy you have with another insurer, you will only be indemnified for this insurer’s portion).
• Pay your excess when you claim – this amount is stated on your schedule.
• Use all reasonable care and take all reasonable precautions to prevent or minimise loss of or damage to your phone.
• Report the theft to the SAPS within 48 hours if your phone is stolen.
• Call the Administration number to ensure that your phone is blacklisted if it is stolen.
• Inform the insurer of your claim within 60 days of the loss or damage.
• Provide the insurer with any information or documents required, within 30 days of the request.
• Ensure that your phone is not included with your cover if you also have short-term insurance with another insurer (if this happens and your claim is also covered by a policy you have with another insurer, you will only be indemnified for this insurer’s portion).
• Pay your excess when you claim – this amount is stated on your schedule.

Sales, Client Care and Claims
0861 10 95 71