179

5

Introduction

This insurance policy provides insurance for Your Mobile Phone as detailed in Your Certificate Schedule, subject to the terms, conditions and limitations shown below.

This insurance is arranged by Mobile Phones Direct (Online) Ltd & underwritten by UK General Insurance Ltd on behalf of Great Lakes Insurance SE is a German insurance company with its headquarters at Königinstrasse 107, 80802 Munich. UK Branch office: Plantation Place 30 Fenchurch Street, London, EC3M 3AJ.

Great Lakes Insurance SE, UK Branch, is authorised by Bundesanstalt für Finanzdienstleistungsaufsicht and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority. Details about the extent of their regulation by the Financial Conduct Authority and Prudential Regulation Authority are available on request.

This policy wording, together with Your Certificate Schedule, forms Your official Certificate of Insurance. Please read both documents carefully and make sure that You understand what is, and is not, covered. Please be aware that breaching any of the policy conditions may result in Your policy being invalidated and, accordingly, claims not being paid.

If any details are incorrect, please contact the Administrator immediately. Please keep Your insurance documents in a safe place.

Understanding your policy

6

Certain words have specific meanings wherever they appear in this policy. These words are typed in bold italics and are explained in the ‘Definitions’ section at the end of this policy.

If You have any disability that makes communication difficult, please tell the Administrator and they will be pleased to help. Period of cover

Your period of cover will be confirmed on Your Certificate Schedule. Please note that Your insurance will be terminated immediately if We do not receive Your monthly premiums when they are due. The maximum overall period of cover cannot exceed five years from the initial purchase date.

Your insurance starts at the date of purchase and lasts for a period of one month. The first months insurance is offered for free. It will then continue for further consecutive monthly periods provided You continue to pay Your monthly premiums as they become due. The monthly premium You pay is specified at the date of purchasing the insurance and will be collected by the Administrator monthly in advance by direct debit.

The Scheme Administrator

Your policy is administered by Citymain Administrators Ltd which is authorised and regulated by the Financial Conduct Authority under registration number 306535.

They will help You with any questions You may have, help You with any changes You need to make to Your insurance, and will deal with all claims. Please also contact them if any details in Your Certificate Schedule are incorrect and they will arrange for a corrected Certificate Schedule to be issued to You. You can contact them at: Enterprise House, Isambard Brunel Road, Portsmouth PO1 2RX. Telephone Number 0333 999 7906 (local rate call).

Claims helpline

To make a claim please call Citymain Administrators Ltd on 0333 999 7906 (local rate call) as soon as reasonably possible following the discovery of the incident. More details about what You need to do when making a claim and how the claims process will work can be found in the section ‘How to make a claim’.

Cooling off period

You may cancel the insurance within 14 days of receiving the insurance documents, should You decide the insurance is no longer appropriate or required. You will receive a full refund of all premium paid provided that no claim has been made.

Disclosure of important information

When You applied for this insurance, and/or when You applied to make any change to the cover, You were asked a number of questions. We relied on all of the answers to these questions to decide the terms upon which We offered You cover or amended cover. This includes the premium to be charged.

It is, therefore, essential that all of the answers You gave were truthful, complete and accurate to the best of Your knowledge. If any of Your answers are later found to be incorrect, incomplete or misleading, this could lead to Your insurance being declared invalid and/or to Your claim not being paid or not fully paid.

Certification of cover

This document, combined with Your Certificate Schedule, certifies that insurance has been effected between You and Us. In return for payment of the premium We agree to insure You in accordance with the terms and conditions contained and endorsed on these documents. Citymain Administrators Ltd has entered into a Binding Authority Contract reference 05846A with Us, under which We authorise Citymain Administrators Ltd to issue these documents on Our behalf.

Eligibility for cover

You can purchase this insurance provided that You are permanently resident in the UK, and own the Mobile Phone.

7

Geographical area

This insurance covers a Mobile Phone bought and used in the UK Cover is extended to include use of the Mobile Phone anywhere in the world, for a maximum of 90 days, in any one year. Please note, any repairs or replacements must be carried out in the UK by repairers or retailers approved by Us. Definitions

The words and phrases defined below have the same meaning wherever they appear in Your policy documents and are shown in bold italics and beginning with a capital letter throughout.

Accidental Damage

Means any damage, including fire and liquid damage, caused to the Mobile Phone which was not deliberately caused by You or bound to happen.

Administrator

Means Citymain Administrators Limited, Enterprise House, Isambard Brunel Road, Portsmouth, PO1 2RX. Tel No: 0333 999 7918 (local rate call).

Breakdown

Means the actual breaking or burning out of any part of Your Mobile Phone whilst in ordinary use arising from internal electronic, electronic, electrical or mechanical defects in the Mobile Phone, causing sudden stoppage of the function thereof and necessitating repair before it can resume normal operation.

Certificate Schedule

Means the policy document provided to You following purchase of the insurance which includes the unique details of Your Mobile Phone and Your period of cover, limits of liability and excess payable.

Commercial Vehicle

Means 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 Theft of the Mobile Phone

Immediate Family

Means Your spouse, partner, parents, children, brothers or sisters who permanently reside with You. IMEI Number The international mobile equipment identity number which is the unique identification number that will be used to identify the Mobile Phone. Loss

Where the Electronic Equipment has been accidentally left by You in a location and You are permanently deprived of its use.

Mobile Phone

Means Your hand portable mobile telephone, excluding accessories and car kit, identified on Your Certificate Schedule which belongs to You, as evidenced by an original Proof of Purchase or exchange but excluding personalised ring tones or graphics, downloaded material or software.

Period of Insurance

8

Means the period shown in Your Certificate Schedule.

Proof of Purchase

Means the original purchase receipt provided at the point of sale that gives details of the Mobile Phone purchased, or similar documents that provide proof that You own the Mobile Phone. Proof of Usage

Means the evidence from Your Network provider showing the handset has been in use since policy inception and up to the event giving rise to the claim.

Theft

Means the dishonest removal of the Mobile Phone from Your possession by a third party with the intention of permanently depriving You of it.

Unattended

Means not within Your sight at all times and out of Your arms-length reach. Violent and Forcible Entry Means entry evidenced by visible damage to the fabric of the building, room, or vehicle at the point of entry.

We, Us, Our, Insurer UK General Insurance Ltd on behalf of Great Lakes Reinsurance (UK) SE.

You, Your, Yourself

Means the person (aged 18 years or over), company or partnership who owns the Mobile Phone covered by this policy, as stated on Your Certificate Schedule as ‘the Insured’.

What is covered

Accidental Damage

We will pay for repair or replacement costs if Your Mobile Phone is damaged as the result of an accident. Where only part or parts of Your Mobile Phone have been damaged, We will only repair or replace that part or parts.

Breakdown

We will repair or replace Your Mobile Phone if it suffers Breakdown, providing the Mobile Phone is returned to Us. Please note that this cover only applies if the Breakdown occurs outside the manufacturer’s guarantee period.

Theft

If Your Mobile Phone is stolen We will replace it. Where only part or parts of Your Mobile Phone have been stolen, We will only replace that part or parts (in respect of a valid Theft claim).

Important:

Please note that Mobile Phones cover is only provided where the item is fitted with an active functioning SIM. In the event of a claim You will be required to produce Proof of Usage from Your Network provider showing the handset has been in use since policy inception and up to the event giving rise to the claim.

6

Policy limits

Limit of liability

The insurer’s maximum liability for any claim shall not exceed the maximum replacement value of Your Mobile Phone and in any case shall not exceed the total claim cost of £1,250 including UK VAT. Should Your original Mobile Phone no longer be available, the Insurer will replace it with the nearest functionally equivalent model.

Policy excess

There is a policy excess applicable to Your Mobile Phone in respect of every claim (this is the amount You must contribute towards Your Mobile Phone that is subject to a claim). This excess must be paid if Your claim has been settled.

The excess amounts applicable to You in respect of each Mobile Phone covered under this policy is £75 for each every claim.

What is not covered

We will not cover:

1. The excess of £75 for each and every claim. 2. Loss of the Mobile Phone. 3. Any claim for Theft from any Commercial Vehicle. 4. Any claim for Theft of the Mobile Phone stolen from any motor vehicle, unless the Mobile Phone is completely

hidden from view with a glove compartment or boot, the vehicle’s windows and doors have been closed and locked and all security systems have been activated and Violent and Forcible Entry to the vehicle has been used. A copy of the repairer’s account for such damage to the vehicle must be supplied with any claim.

5. Any Theft of the Mobile Phone left Unattended in a public place or a place to which the public has regular access.

6. Theft of the Mobile Phone from the person unless force, pickpocket or threat of violence is used. 7. Any unauthorised usage whatsoever. 8. Cost of any calls made from Your Mobile Phone. 9. Any Mobile Phone claim where the Proof of Usage is not provided. 10. Any claim involving Theft unless You have reported the incident:

a. to the appropriate authorities within 24 hours of discovering the incident, and have obtained an appropriate incident reference number; and

b. to Your network within 24 hours. 11. Any Theft of Your Mobile Phone from any premises, building, land or vehicle unless force. Resulting in damage

to the building, premises or vehicle was used to gain entry or exit. 12. Any claim if Your Mobile Phone was purchased:

• outside the United Kingdom; • second hand

13. Any Theft or Accidental Damage to the Mobile Phone whilst in the possession of anyone else other than Your Immediate Family

14. Any repair or replacement if a SIM card registered to You was not in the insured Mobile Phone at the time of the Accidental Damage, Theft, Breakdown or water damage.

15. Theft or Accidental Damage to any additional equipment or accessories including but not limited to carrying cases, battery chargers, hands-free mounting kit, cameras or external antennae.

16. Any Accidental Damage or Breakdown claim where the IMEI/Serial number cannot be determined from Your Mobile Phone.

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

18. Any claim resulting from the failure of any electrical equipment, software, micro-controller, microchip, accessories or associated equipment to correctly recognise and process any calendar date or time.

19. Any repairs or other costs for:

12

• routine servicing, inspection, maintenance or cleaning; • loss caused by a manufacturer’s defect or recall of the Mobile Phone; • replacement of or adjustment to fittings, control knobs or button, batteries and aerials • repairs carried out without any authorisation from Us. • wear and tear or gradual deterioration of performance; • claims arising from abuse, misuse or neglect by the user.

20. Any claim if the serial number, IMEI (international mobile equipment identity) or simgate that has been tampered with in any way.

21. Any kind of damage whatsoever unless the damaged Mobile Phone is provided for repair. 22. The UK VAT element of any claim if You are registered for UK VAT. 23. Any reconnection costs or subscription fees of any kind. 24. Claims for any Mobile Phone used in connection with Your professional trade. 25. The cost of replacing any personalised ring tones or graphics, downloaded material or software. 26. Any expense incurred as a result of not being able to use the Mobile Phone, or any loss other than the repair or

replacement costs of the Mobile Phone. 27. Any Breakdown:

a. that occurs during the manufacturer’s warranty period, b. caused by placing or using the Mobile Phone in a location or environment that is not in accordance with

the manufacturer’s instructions, 28. The failure of any electrical or mechanical component in Your Mobile Phone due to a sudden and

unforeseen fault, which causes Your Mobile Phone to stop working in the way the manufacturer intended.

General Exclusions

This insurance does not cover

1. Liability of whatsoever nature arising from ownership or use of the Mobile Phone, including any illness or injury resulting from it.

2. Any other costs that are caused by the event which led to Your claim unless specifically stated in this Certificate.

3. Any direct or indirect consequence of war, civil war, invasion, acts of foreign enemies (whether war be declared or not), rebellion, revolution, insurrection, military or usurped power, or confiscation, nationalisation, requisition, destruction of or damage to property by or under the order of any government, local or public authority.

4. Any direct or indirect consequence of terrorism as defined by the Terrorism Act 2000 and any amending or substituting legislation. We will, however, cover any loss or damage (but not related cost or expense, caused by any act of terrorism provided that such act did not happen directly or indirectly because of biological, chemical, radioactive or nuclear pollution or contamination or explosion.

5. Any direct or indirect consequence of: Irradiation, or contamination by nuclear material; or The radioactive, toxic, explosive or other hazardous or contaminating properties of any radioactive matter; or Any device or weapon which employs atomic or nuclear fission or fusion or other comparable reaction or radioactive force or matter.

6. Any consequence, howsoever caused, including but not limited to Computer Virus in Electronic Data being lost, destroyed, distorted, altered, or otherwise corrupted.

For the purposes of this Policy, Electronic Data shall mean facts, concepts and information stored to form useable for communications, interpretations, or processing by electronic or electromechanical data processing or other electronically controlled hardware, software and other coded instructions for the processing and manipulation of data, or the direction and manipulation of such hardware. For the purposes of this Policy, Computer Virus shall mean a set of corrupting, harmful, or otherwise unauthorised instructions or code, whether these have been introduced maliciously or otherwise, and multiply themselves through a computer system or network of whatsoever nature.

Cancellation after the Cooling-Off period

To cancel Your policy please contact the Administrator: Citymain Administrators Limited, Enterprise House, Isambard Brunel Road, Portsmouth PO1 2RX, Telephone number 0333 999 7906 (local rate call) Email:

13

info@citymain.com

If You decide that for any reason, this Policy does not meet Your insurance needs then please return it to Us within 14 days from the day of purchase or the day on which You receive Your policy documentation, whichever is the later. On the condition that no claims have been made or are pending, we will then refund Your premium in full.

You may cancel the insurance cover at any time after 14 days by informing Your Administrator, however no refund of premium will be payable There will be no refund of premium because You will only have paid for the cover You have already received.

Cancellation by us We will cancel Your policy if We are unable to collect a premium payment from You. On a monthly rolling basis, We will contact You by email after the first missed collection requesting payment of the premium. If We do not receive payment by the next collection date and the next payment is also missed, We will cancel Your policy and send You an email confirmation of the cancellation. All cover under Your policy will be deemed to have ended automatically from the date the first missing payment became due. Your policy will automatically cancel upon its five year anniversary from the purchase date. We shall not be bound to accept renewal of any insurance and may at any time cancel any insurance document by giving 14 days notice in writing where there is a valid reason for doing so. A cancellation letter will be sent to you at your last known address. Valid reasons may include but are not limited to:

a) Where we reasonably suspect fraud b) Non-payment of premium c) Threatening and abusive behaviour d) Non-compliance with policy terms and conditions e) You have not taken reasonable care to provide complete and accurate answers to the

questions we ask. Where our investigations provide evidence of fraud or a serious non-disclosure, we may cancel the policy immediately and backdate the cancellation to the date of the fraud or the date when you provided us with incomplete or inaccurate information, which may result in your policy being cancelled from the date you originally took it out. If we cancel the policy and/or any additional covers you will receive a refund of any premiums you have paid for the cancelled cover, less a proportionate deduction for the time we have provided cover, unless the reason for cancellation is fraud and/or we are entitled to keep the premium under the Consumer Insurances (Disclosure and Representations) Act 2012.

Changing the policy

Mid-Term Adjustments

Should You replace Your Mobile Phone with a new Mobile Phone the Insurer will consider transferring the benefit of the insurance but You must advise the Administrator of the make, model and IMEI number of the new Mobile Phone. An official purchase invoice showing details of the new Mobile Phone must support this. The benefit will be transferred from the date confirmed by the Administrator.

Should any of Your personal details change (such as Your name or address) please ensure You contact the Administrator as soon as possible in order for Your details to be updated to prevent any delays when making a claim.

How to make a claim

Please comply with the following procedures to obtain authorisation with the minimum delay.

14

Following these procedures, and any instructions or advice given to You by the Administrator will help Your claim to run smoothly. If You do not follow the procedures and any other instructions or advice You are given, Your claim may be delayed or remain unpaid.

Online:

In the event of any incident likely to give rise to a claim, You can notify the Administrator through their online claims portal as soon as reasonably possible following the discovery of the incident.

Online Claims: www.eclaimcity.co.uk

Telephone:

Alternatively You can notify the Administrator on 0333 999 7906 (local rate call) as soon as reasonably possible following the discovery of the incident (or in the event of the incident occurring outside of the United Kingdom, as soon as reasonably possible following Your return to the United Kingdom). Exceptional circumstances causing Your delay in reporting Your claims and where there is no additional loss to Us may be considered.

Theft Claims: You must notify the appropriate local police authority as soon as possible following discovery of the incident and obtain a crime reference. Should You be claiming for the Theft of Your mobile phone You must also contact Your network provider as soon as possible following discovery of the incident to place a call bar on Your Mobile Phone. For all claims (including Theft): Contact the Administrator on 0333 999 7906 (local rate call) as soon as reasonably possible following the discovery of the incident (or in the event of an incident occurring outside of the United Kingdom as soon as reasonably possible following Your return to the United Kingdom). You should send any supporting documentation including, but not limited to: • Incident or crime reference number or lost property number or police crime report (where applicable); • Proof of purchase, proof of date of purchase or proof of exchange; • Proof of Usage; and • Any other documentation we reasonably request that is relevant to Your claim

The Administrator will assess Your claim, and as long as Your claim is valid, will authorise the repair or replacement of the Mobile Phone as appropriate.

UK General Insurance Ltd are an insurers agent and in the matters of a claim act on behalf of the Insurer.

To help improve its service, the Administrator may record or monitor telephone calls.

Specific claims conditions

Replacement Equipment

If We determine that Your Mobile Phone needs to be replaced following a valid claim:

1. We will endeavour to replace with an identical fully refurbished (or new where a refurbished item is not available) Mobile Phone of the same age and condition. However, in the unlikely event this is not possible the Administrator will provide You with a fully refurbished (or new where a refurbished item is not available) Mobile Phone of a comparable specification or the equivalent value taking into consideration the age and condition of the Mobile Phone prior to Your claim.

2. This policy will automatically cover the replacement equipment for the remainder of the policy year in

15

which the claim has been settled. 3. Please note that although We will endeavour to replace the item with the same colour, it may not always

be possible and therefore You would be provided with an alternative colour in that situation. 4. Please note: where replacement equipment has been issued and the original Mobile Phone is recovered,

the original Mobile Phone becomes Our property and must be returned to the Administrator immediately

Other Insurance

If at the time of a valid claim under this insurance there is another insurance policy in force which covers You for the same loss, We may seek a recovery of some or all of Our costs from the other insurer. You must give Us any help We may need to assist Us with Our loss recoveries. In the event of a claim You may be asked to provide details of any other contract, guarantee, warranty or insurance that may apply to the item including but not limited to household insurance.

Fraud

We take a robust approach to fraud prevention in order to keep premium rates down so that You do not have to pay for other people’s dishonesty. If any claim under this insurance is fraudulent or is intended to mislead, or if any misleading or fraudulent means are used by You or anyone acting on Your behalf to obtain benefit under this insurance, Your right to any benefit under this insurance will end, Your policy will be cancelled and We will be entitled to recover any benefit paid and costs incurred as a result of any such fraudulent or misleading claim. We may also inform the police.

To prevent fraud, insurers sometimes share information. Details about Your insurance application and any claim You make may be exchanged between insurers.

Evidence to Support Your Claim

You must provide Us with any receipts, Proof of Purchase or any other documentation that We may request.

Customer service and complaints

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 Administrator either by post to:

Customer Relations Team Citymain Administrators Limited Enterprise House Isambard Brunel Road Portsmouth PO1 2RX Telephone: 0333 999 7906 (local rate call). Email: customerrelations@citymain.com

If Your complaint about the sale of Your policy cannot be resolved by the end of the third working day, Your agent will pass it to:

Customer Relations Department UK General Insurance Limited Cast House Old Mill Business Park Gibraltar Island Road Leeds LS10 1RJ

Tel: 0345 218 2685 Email: customerrelations@ukgeneral.co.uk Please quote scheme reference 05854A in all correspondence.

16

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 and have an annual turnover of less than €2million and fewer than ten staff. You may contact the Financial Ombudsman Service at:

The Financial Ombudsman Service, Exchange Tower, Harbour Exchange Square, London, E14 9SR. Telephone Number: 0800 0234 567 (calls to this number are normally free for people ringing from a “fixed line” phone, but charges may apply if You call from a Mobile Phone).Telephone Number: 0300 1239 123 (calls to this number are charged at the same rate as 01 or 02 numbers on Mobile Phone tariffs). E-mail: complaint.info@financial-ombudsman.org.uk Web address: www.financial-ombudsman.org.uk

Further details will be provided at the appropriate stage of the complaints process.

You are able to seek to refer Your complaint to the Financial Ombudsman Service at any time for an independent review.

If You wish to complain about an insurance policy purchased online You may be able to use the European Commission’s Online Dispute Resolution platform, which can be found at the following address: http://ec.europa.eu/consumers/odr

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. PREMIUMS AND CLAIMS – YOUR RIGHTS

When handling premium payments from You that are due to the Insurers and when handling any claim You make, the Administrator acts as an authorised agent of the Insurers. This means that when You pay a premium to the Administrator it is deemed to have been received by the Insurers and that any valid claim You make it is not deemed to have been settled by the Insurers until You have actually received a repaired or replacement Mobile Phone.

General conditions

Automatic renewal of Your policy

To make sure You have continuous cover under Your policy We will automatically renew Your policy each month, unless You advise Us otherwise and Your monthly premium will be collected by the method chosen by You at the time of the initial purchase.

If Your payment details have changed, please advise the Administrator about any changes to Your policy details at any time by calling 0333 999 7906 (local rate call).

The Insurer’s right to change the premium and/or cover (monthly premium)

You will receive at least 60 days written notice if We decide, or need, to change Your policy cover or the price of Your insurance for any of the following reasons:

• to make minor changes to Your policy wording that do not affect the nature of the cover and benefit provided

such as changes to make the policy easier to understand, • to reflect changes in the law, in regulation (including any decision of a regulatory body), or to any code of

practice or industry guidance affecting Us or Your policy. • to reflect changes to taxation applicable to Your policy (including, but not limited to, insurance premium tax), • to reflect increases or reductions in the cost (or projected cost) of providing Your insurance, including, but not

limited to, increases or reductions caused by changes to the number, length, cost or timing of claims which We,

17

as part of Our pricing policy, have assumed or projected will be made under the insurance, • to cover the cost of any changes to the cover/benefits provided under this insurance including, but not limited

to, reductions in the time that You have to wait before a claim can be paid or the removal of one or more policy exclusion(s),

• to cover the cost of changes to the systems, services or technology in support of this insurance.

We may make changes immediately and advise You within 30 days of the change having been made if the change is favourable to You. Upon receiving notice of any changes or proposed changes, You may cancel cover in accordance with this policy wording if You are unhappy with the change or proposed change.

Consumer Insurance Act You are required by the provisions of the Consumer Insurance (Disclosure and Representations) Act 2012 to take care to: a) supply accurate and complete answers to all the questions we or the administrator may ask as part of Your application for cover under the policy b) to make sure that all information supplied as part of Your application for cover is true and correct c) tell us of any changes to the answers You have given as soon as possible. Failure to provide answers in-line with the requirement of the Act may mean that Your policy is invalid and that it does not operate in the event of a claim.

Legal regulatory and other information

Law & Legal Proceedings Applicable to this Insurance

Unless some other law is agreed in writing, this policy is governed by English law. If there is a dispute, it will only be dealt with in the courts of England or of the country within the United Kingdom in which Your main residence is situated.

Regulatory Authorities

Great Lakes Reinsurance (UK) SE is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. This can be checked on the Financial Services Register at www.fca.org.uk/firms/systems-reporting/register or by calling them on 0800 111 6768. Citymain Administrators Ltd which is authorised and regulated by the Financial Conduct Authority under registration number 306535. You can visit the Financial Conduct Authority website, which includes a register of all regulated firms, at www.fca.gov.uk/register or by contacting them on 0800 111 6768. Insurer’s Liability This insurance is underwritten by UK General Insurance Ltd. on behalf Great Lakes Reinsurance (UK) SE, Registered in England No. SE000083. Registered Office: Plantation Place 30 Fenchurch Street, London, EC3M 3AJ Financial Services Compensation Scheme Great Lakes Reinsurance (UK) SE 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 90% of the claim with no upper limit. You can get more information about compensation scheme arrangements from the FSCS or visit www.fscs.org.uk. Data Protection Act 1998 Please note that any information provided to Us will be processed by Us and Our agents in compliance with the

18

provisions of the Data Protection Act 1998, for the purpose of providing insurance and handling claims, if any, which may necessitate providing such information to third parties. We may also send the information in confidence for process to other companies acting on their instructions including those located outside the European Economic Area.

Mobile Phones Direct T & Cs_ Mar 16 150316_v6 _010117