Low cost Laptop and Computer insurance cover from just £5.00 per month  

With many more of us purchasing home, business computers and laptops it is an unfortunate fact recently

hightlighted has led to an increase in theft and accidental damage. So, protect yourself against theft and

accidental damage with cover starting from as little as 16p a day

Includes accidental damage of crystal display and 48 hour replacement.

No claims bonus, have your PC & Laptop "health checked" every two years.

A win win situation and peace of mind for less....

Maximum Protection ...

FACT: Water damage
FACT: Theft
FACT: International cover
FACT: Extended warrantee
FACT: Accidental damage

NO 12 MONTH CONTRACT - Unlike other Insurance companies!

Get your Instant Online Quote right now..

We protect ALL laptops and computers, purchased in the UK within the last 14 days. See Terms and Conditions for details.

From just 16p per day, you can protect your Laptop/Computer against this expensive situation

Save money by protecting your Laptop/Computer now - from just £5.00. You choose your cover ...



Policy	How much did you pay for your laptop/computer?	Monthly Premium
ComputerCover 1	£1,000	£5.00
Computer Cover 2	£1,500	£7.50
Computer Cover 3	£2,500	£10.00


Protect your Laptop/Computer NOW for ...



	Up to £2,500
	Water Damage
	Theft
	International Cover
	Extended Warantee
	Accidental Damage

The Computer Cover 1 policy covers any Laptop/Computer up to the retail value of £1000.
The Computer Cover 2 policy covers any Laptop/Computer up to the retail value of £1,500.
The Computer Cover 3 policy covers any Laptop/Computer up to the retail value of £2,500.
The Laptop/Computer must be less than 14 days old, with valid UK proof of purchase (not from online auctions), when the policy is started.

This insurance is arranged by Supercover Insurance Plc and underwritten by Equity Red Star.

Equity Red Star is managed by Equity Syndicate Management Limited, which is authorised and regulated by the Financial Services Authority. Equity Syndicate Management Limited is registered in England number 426475. The registered address is at Library House, New Road , Brentwood, Essex , CM14 4GD

Supercover Insurance Plc is authorised and regulated by the Financial Services Authority.

You can visit the Financial Services Authority website, which includes a register of all regulated firms at www.fsa.gov.uk/register or by contacting them on 0845 606 1234.

 

INTRODUCTION

In return for the payment of your premium we will provide insurance for your electronic equipment during the period of cover as stated in the application form overleaf, subject to the terms, conditions, and limitations shown below or as amended in writing by us.

For monthly insurance policies this is a monthly contract and is only in force if the monthly premium has been paid.

For policies of a longer duration premium must be paid at inception and the policy will remain in force for the period shown on your Letter of Introduction and will remain in force until the period expires or is cancelled in accordance with Conditions and Limitations 5, 6 or the section headed Cancellation.

 

DEFINITIONS

The words and phrases defined below have the same meaning wherever they appear in bold in this certificate.

Accidental loss means that the electronic equipment has been accidentally left by you in a location and you are permanently deprived of its use.

Commercial vehicle - any vehicle used wholly or partly for commercial or business purposes or any other vehicle that is being used for commercial or business purposes at the time of any loss or damage to the electronic item.

Electronic equipment – the single item insured by this certificate, purchased by you and provided by a supplier approved by us .

Immediate family – your mother, father, son, daughter, spouse, domestic partner.

Period of cover – for monthly policies 1 (one) calendar month from the inception date, renewing monthly on the same day each month (the last day of the month will apply appropriately to each month) provided the monthly premium is paid. For policies of longer duration the period is specified in your Letter of Introduction.

Reasonable precautions – all measures that it would be reasonable to expect a person to take in the circumstances to prevent accidental loss, damage or theft of your electronic equipment .

Terrorism means any act of any person or organization involving, causing or threatening harm or putting the public or any section of the public in fear if it is likely that the purpose is of a political, religious, ideological (of an intellectual or rational nature) or similar nature.

Unattended – not within your sight at all times and out of your arms-length reach.

We, us, our – Equity Red Star.

You, your – the person, who owns the electronic equipment as stated on the application form overleaf.

 

WHAT WE WILL COVER

A. Accidental Damage

We will pay repair costs if your electronic equipment is damaged as the result of an accident.

B. Theft

If your electronic equipment is stolen we will replace it. Where only part or parts of your electronic equipment have been stolen, we will only replace that part or parts.

C. Accidental Loss

If you lose your mobile phone or PDA we will replace it. No other electronic equipment is insured for loss.

D. Breakdown which occurs outside of the manufacturers guarantee period. This cover is not available on computers.

 

WHAT WE WILL NOT COVER

Your electronic equipment is not covered for:

1. Theft:

• from any commercial vehicle , convertible or soft top vehicle;

• from any motor vehicle where you or someone acting on your behalf is not in the vehicle, unless the electronic equipment has been concealed in a locked boot, locked glove compartment or other locked internal compartment and all the vehicle's windows and doors closed and locked and all security systems have been activated;

• if left on any motor vehicle roof, bonnet or boot;

• from any type of transport except as permitted above;

• from any building, land or premises unless force, resulting in damage to the building or premises, was used to gain entry or exit;

• from your control or the control of any member of your immediate family , except where it has been concealed either on or about the person and not left unattended , or the use of physical force or violence against the person has been used or threatened;

• where the electronic equipment has been left unattended when it is away from your home ;

• where reasonable precautions have not been taken;

• if the serial number has been tampered with in any way.

2. Loss or damage caused by:

• you deliberately damaging or neglecting the electronic equipment ;

• you not following the manufacturer's instructions;

• routine servicing, inspection, maintenance or cleaning;

• the use of accessories.

3. Repair or other costs for:

• routine servicing, inspection, maintenance or cleaning;

• loss caused by a manufacturer's defect or recall of the electronic equipment ;

• replacement of or adjustment to fittings, control knobs or buttons, batteries or aerials;

• repairs carried our by persons not authorised by us ;

• wear and tear or gradual deterioration of performance.

4. Any kind of damage whatsoever unless the damaged electronic equipment is provided for repair.

5. Any loss involving a SIM (subscriber identity module) card.

6. Any expense incurred as a result of not being able to use the electronic equipment , or any loss other than the repair or replacement costs of the electronic equipment .

7. The first £25 of each theft or accidental damage claim or the first £50 of each accidental loss claim or the first £75 of each claim which occurs outside the UK , Isle of Man and Channel Islands .

8. Loss of or damage to accessories of any kind.

9. Any loss or damage caused by the failure of any electrical or computer equipment, software, micro-controller, microchip, accessories or associated equipment to correctly recognise and process any calendar date or time.

10. If the original SIM card was not in a mobile phone at the time of the loss, damage or theft.

11. Reconnection costs or subscription fees of any kind.

12. The cost of replacing any personalised ring tones or graphics, downloaded material or software.

13. The cost of any unauthorised calls following the theft, accidental loss or damage of a mobile phone or PDA.

Please note: if you are insuring an item without SIM card capability, all exclusions relating to SIM cards are not applicable.

14. War Risk

Terrorism , war, invasion, acts of foreign enemies, hostilities whether war is declared or not, civil war, rebellion, revolution insurrection, military or usurped power, confiscation, nationalism or requisition or destruction or damage to property by or under the order of any government or public or legal authority.

15. Nuclear Risk

Damage or destruction caused by, contributed to or arising from:

a. ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel; or

b. the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or component thereof.

16. Sonic Boom

Damage or destruction directly occasioned by pressure waves caused by aircraft or other aerial devices traveling at sonic or supersonic speeds.

17. Loss of Data or Software

Any loss of or damage to information or data or software contained in or stored on the electronic equipment whether arising as a result of a claim paid by this insurance or otherwise.

18. Consequential Loss

Any consequential loss or damage arising from accidental damage, theft, accidental loss , breakdown or from any cause whatsoever.

19. Liability of whatsoever nature arising from ownership or use of the electronic equipment, including any illness or injury resulting from it.

20. Value Added Tax (VAT) where you are registered with HM Revenue and Customs for VAT.

 

REPLACEMENT

This policy offers replacement only and is not a replacement as new policy. If the electronic equipment cannot be replaced with an identical electronic equipment of the same age and condition, we will replace it with one of comparable specification or the equivalent value taking into account the age and condition of the original electronic equipment.

 

CONDITIONS AND LIMITATIONS

1. Unless we have agreed differently with you , English law and the decisions of English courts will govern this insurance.

2. This insurance only covers electronic equipment bought and used in the UK , the Isle of Man and the Channel Islands . Cover is extended to include use of the electronic equipment 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.

3 . The electronic item must be less than 6 months old (excluding Laptops which must be less than 14 days old) with valid proof of purchase (not from online auctions) when the policy is started.

4. You must provide us with any receipts, documents or proof of purchase, that it is reasonable for us to request.

5. This insurance may only be altered, varied or its conditions altered or premium changed by one of our authorized officials, giving you 30 days notice in writing.

6. We may cancel the policy by giving you 30 days notice in writing. In the event of any claim you are responsible for the payment of any outstanding premium.

7. You cannot transfer the insurance to someone else or to any other electronic equipment without our written permission.

8. You must take all reasonable precautions to prevent any loss or damage.

9. Cover excludes costs or payments recoverable from any party, under the terms of any other contract, guarantee, warranty, or insurance.

10. In respect of monthly policies if the Direct Debit premium payment is cancelled or unsuccessful at any given point, no benefits shall be due whatsoever.

 

CANCELLATION

Your right to change your mind

You may cancel the insurance, without giving reason, by sending us written notice and returning the insurance documents within 14 days of it starting of (if later) within 14 days of you receiving the insurance documents.

We will make a charge equal to the period of cover you have had, but this charge will be at least 50% plus the insurance premium tax.

 

Cancellation after the withdrawal period

If you wish to cancel your insurance and pay monthly you can do so in writing allowing one months notice.

For policies of longer duration you are only entitled to cancel within 14 days of receiving your policy documents.

 

CLAIMS PROCEDURE

1. You must:

• notify Supercover Insurance Plc on 0871 222 1130 as soon as possible but in any event within 48 hours of any incident likely to give rise to a claim under this insurance;

• report the theft or accidental loss of any mobile phone or PDA , within 12 hours of discovery to your Airtime Provider and blacklist your handset;

• report the theft or accidental loss of any electronic equipment to the Police within 24 hours of discovery and obtain a crime reference number in support of a theft and a lost property number in support of an accidental loss claim;

• provide us with details of the claim and any other contract, guarantee, warranty or insurance that may apply to the loss including but not limited to household insurance. Where appropriate a ratable proportion of the claim may be recovered direct from these Insurers.

2. If we replace your electronic equipment the damaged or lost item becomes ours . If it is returned or found you must notify us and send it to us if we ask you to.

To help us improve our service we may record or monitor telephone calls.

 

WARNING

We will process your claim under the terms and conditions of this insurance based on the first reason notified to us for the claim. If your claim is not covered and you then submit a claim having changed the reason we consider this as fraud. Details of all such cases will be passed to appropriate agencies for action.

 

COMPLAINTS

We are proud of our reputation for fairness in our treatment of our customers. However, occasionally disputes or misunderstandings can arise.

Any enquiry or complaint you have regarding your policy should be addressed to The Customer Services Director, Supercover Insurance Plc., 204 Cumberland House, 80 Scrubs Lane, London, NW10 6RF. You should provide details of your policy and in particular, your policy reference number, to help with the speedy handling of your inquiry.

In the event you remain dissatisfied please write to the Chief Executive of Equity Red Star.

The address is:

Equity Red Star

52 Leadenhall Street
London
EC3A 2BJ

After this action, if you are still not satisfied with the way a complaint has been dealt with , you may ask the Complaints Department at Lloyd's to review your case.

 The address is :

Complaints Department

Lloyd's
One Lime Street
London
EC3M 7HA

Phone: 020 7327 5693
Fax: 020 7327 5225
E-mail: Complaints@Lloyds.comThis e-mail address is being protected from spam bots, you need JavaScript enabled to view it

Having followed this procedure your complaint can be referred to the Financial Ombudsman Service (FOS).

 The address is:

South Quay Plaza

183 Marsh Wall
Docklands
London
E14 9SR

Tel: 0845 080 1800

 ( These procedures do not affect your right to take legal action if necessary.)

 

COMPENSATION SCHEME

Equity Redstar Services Limited 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 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.

 

MOBILE PHONES ONLY – we will offer you a free battery subject to no claims being made within the first 12 month period of cover. 12 consecutive monthly premiums must be paid. The free upgrade is subject to no claims being made within a 24 month period. 24 consecutive monthly premiums must be paid on time. The free upgrade offer is also subject to signing a new 12 month agreement with your service provider and the return of your original handset. If you are not able to upgrade with your service provider, you will not be eligible to receive the free upgrade.

These upgrade offers do not form part of your insurance contract with Equity Red Star. If you have any questions or complaints about the upgrade or battery offers, please contact Supercover Insurance Plc, 204 Cumberland House, 80 Scrubs Lane , London , NW10 6RF .

				About our insurance services
Supercover Insurance Plc				204 Cumberland House, 80 Scrubs Lane , NW10 6RF
This policy summary does not contain the full terms and conditions of your policy. These can be found on your Certificate of Insurance.
1.		The Financial Services Authority (FSA)
		The FSA is the independent watchdog that regulates financial services. It requires us to give you this . document. Please use this information to decide if our services are right for you.
2.		Whose products do we offer?
		We only offer our own consumer electronic insurance currently underwritten by Equity Redstar
3.		Which services will we provide you with? You will not receive advice or recommendations from us. You will need to make your own choice about how to proceed.
4.		What will you have to pay us for this service?
		An monthly / annual premium dependant upon the value of the insured item.
5.		Who regulates us?
		Supercover Insurance Plc is authorised and regulated by the Financial Services Authority. Our FSA Register number is 313806 which can be checked at www.fsa.gov.uk/register
6.		What to do if you have a complaint If you wish to register a complaint, please contact us:
. in writing			Write to Supercover Insurance Plc, 204 Cumberland House, 80 Scrubs Lane , NW10 6RF
. by phone . by email			Telephone 0871 222 1130 claims@supercoverinsurance.com Our full complaints procedure is available upon request.
7.		Cancellations
		We hope you are happy with the cover this policy provides, however, the policy can be cancelled within 14 days, thereafter one months notice in writing is required .

 

Additional information from Supercover Insurance Plc

What does the policy cover for?

Theft (inc unattended theft from a secure vehicle or premises), Loss (mobile phones & PDA's only), Accidental Damage (inc water damage), International Cover, 48hr Replacement + FREE no claims bonuses

What Are The Main Exclusions?

Unattended, deliberate damage, failing to report the lost / damage to the appropriate authorities, Loss (on all products except mobile phones & PDA's) and £25 Excess fee.

Why Insure?

We rely on our every day items such as mobile phones, and sat navs more and more each day, to the point where we are literally lost without them. And with constantly improving technology comes an increasing replacement cost. Supercover gives you Peace of Mind . If the worst should happen within 48 hours a replacement item will be with you less the price tag!

What does Supercover Insurance Insure?

We offer insurance on Mobile Phones, PDA’s, MP3 Players, iPods, Satellite Navigation Systems, PSP’s and other portable consoles, PMP’s, and Laptop and PC’s


What cover does the insurance offer?

Theft – including unattended theft from a secure vehicle / secure premises, Loss (mobile phones and PDA’s only), Extended Warranty (Up to 5 years), Accidental Damage (including Liquid Damage), International Cover and Free No Claims Bonus

What are the main exclusions?

Leaving the phone unattended, except as above,

Not reporting the theft/loss within 24 hours to the police, or, in the case of mobile phones and PDA’s, not reporting the theft/loss to the Service Provider within 12 hours to stop the line and blacklist the handset.


What is the claims procedure?

In the event of a claim, the customer must :

Report the theft / loss of the phone within 12 hours of discovery to the Service Provider

Report the theft / loss of the phone within 24 hours of discovery to the police and obtain a crime / loss reference number.

Pay an excess fee of £25 for theft / damage claims , £50 if a loss claim or £75 if the incident occurred overseas

(This information can be found on our terms and conditions under Claims Procedure)


When does my cover commence?

Your cover begins when your first premium for the insurance is paid. If your dealer has arranged for you to have a period of free insurance, your cover will commence at point of sale


How do I claim?

You can make a claim by calling our dedicated Claim Advisors on 0871 222 1130 or you can complete our online
claim form here >>


What should I do if I get a new phone?

You should contact customer services 0871 222 1130 with your new phone details and also post a copy of your receipt to 204 Cumberland House, 80 Scrubs Lane, London, NW10 6RF

How can I cancel the insurance?

Cancellations Must be in writing. If you are cancelling the insurance within a “free” period of insurance then no notice is required, thereafter, or in all other cases, one month cancellation notice is due. You can e-mail cancellations@supercoverinsurance.com or write to 204 Cumberland House, 80 Scrubs Lane, London NW10 6RF

If I have a complaint, what should I do?

Supercover Insurance Plc is incorporated in the UK and authorised and regulated by the Financial Services Authority.

Although we endeavour to meet our customers’ expectations at all times, we understand that from time to time complaints may arise. Our complaints handling procedures are designed to comply with the rules prescribed by the Financial Services Authority and our aim is to resolve any complaints that we receive both fairly and promptly.

Who should I contact with my complaint?

In the first instance, your complaint should be addressed to the Claims Manager at the above address.

If you do not receive a satisfactory response to your complaint, we would then advise that you write to The Customer Services Director at the above address.

If the matter has still not been resolved to your satisfaction, you should write to our underwriters who will issue you with a final response, at :

UK Underwriting, 2 Gibraltar House, Bowcliffe Road, Hunslet, Leeds, LS10 1RJ

We will endeavour to deal with all complaints in the instance within which they occur. Where this is not possible, we will endeavour to deal with the complaint with 5 working days.

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