Insurance-quote

This is a Policy Summary only. It does not contain the full terms and conditions of the contract. For full details of all policy terms,

conditions & exclusions, please refer to the policy document (a copy of which is available on request). The relevant sections of the policy

document are listed below.

BENEFIT SCOPE OF COVER UNUSUAL EXCLUSIONS & LIMITATIONS (see also overleaf)

Accidental damage

cover

(Section A)

We will pay for repair or

replacement costs if your

gadget(s) is/are damaged as

the result of an accident.

• Excludes:

- damage caused by you deliberately damaging or neglecting the gadget; or

- damage caused by routine servicing, inspection, maintenance or cleaning; or

- any cosmetic damage; or

- any damage whatsoever if the serial number has been tampered with in any

way; or

- loss or damage resulting from your gadget being left on any motor vehicle

roof, bonnet or boot.

Theft cover

(Section B)

If your gadget is stolen we

will replace it.

Where only a part or parts of

your gadget have been

stolen, we will only replace

that part or those specific

parts.

•Excludes theft from a building or premises (including your home or place of

work) if the theft does not involve forcible and violent entry to or exit from a

building; and

•Excludes theft when away from your home, or when in your home with invited

guests / tradesmen or other people; unless the gadget is concealed on or

about your person when not in use, or it is stored in a locked room or secured

receptacle (such as a locked safe, locked locker or closed desk drawer; and

•Excludes theft from other motor vehicles where no-one is in the vehicle and all

of the vehicle’s windows and doors have not been locked and all security

systems have not been activated; and

•Excludes theft from other motor vehicles where no-one is in the vehicle and

the gadget has not been concealed in a closed boot, closed glove

compartment or other closed internal compartment within the vehicle .

•Excludes theft from all other locations;

- if the gadget has been left in the possession of a third party (other than a

member of your immediate family) at the time of the incident; or

- if the gadget is left unattended; or

- if you fail to take precautions to prevent the theft.

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BENEFIT SCOPE OF COVER UNUSUAL EXCLUSIONS & LIMITATIONS (continued)

Accidental Loss

(Section C)

This is an optional

benefit and is only

covered if shown on

your Schedule of

Insurance and you have

paid an additional

premium.

If you accidentally or

unintentionally lose your

mobile phone or tablet we will

replace it.

Only applies to mobile phones

and tablets.

The policy will not pay;

- for losses where circumstances cannot be clearly defined, (i.e. you

are unable to confirm the time and place you last had your gadget);

or

- for losses resulting from the gadget being left on any motor vehicle

roof, bonnet or boot.

Breakdown

(Section D)

We will cover electrical

breakdown that occurs outside

of the manufacturer’s

guarantee period.

Does not apply to laptops or

PCs.

We will not pay:

• For repairs or other costs resulting from:

- wear and tear or gradual deterioration of performance; or

- a manufacturer’s defect or recall of the gadget.

• For repairs carried out by persons not authorised by us.

Unauthorised call/Data

use

(Section E)

If your mobile phone is lost or

stolen and is used fraudulently,

we will reimburse you for the

costs upon receipt of your

itemised bill.

The maximum we will pay in respect of unauthorised call/data use is £2500

any one claim.

You must report the loss or theft to your airtime supplier within 24 hours of

discovery of the loss.

E-Wallet Protection

(Section F)

If your gadget is accidentally lost

or stolen, and the claim is

covered by your policy, we will

refund the cost of unauthorised

transactions made using your e-

Wallet facility up to a maximum of

£500 and within the first 24 hours

of discovering the theft or

accidental loss of your gadget.

Excludes:

• any expense incurred as a result of not being able to use the gadget, or

any loss other than the repair or replacement costs of the gadget unless

relating to unauthorised use of your e-Wallet facility up to the maximum

value of £500;

• any claim for the cost of unauthorised use of your e-Wallet facility unless

the claim for the theft or accidental loss of your gadget is covered under

your policy;

• any claim for the cost of unauthorised use of your e-Wallet facility where

you have not followed all conditions relating to security of the PIN;

NOTE: This cover will only apply if there is no problem from such losses from

your bank or card provider.

Liquid damage

(Section G)

If your gadget is damaged as a

result of accidentally coming

into contact with any liquid, we

will repair or replace it.

• Excludes:

- damage caused by you deliberately damaging or neglecting the gadget;

or

- damage caused by routine servicing, inspection, maintenance or

cleaning; or

- any cosmetic damage; or

- any damage whatsoever if the serial number has been tampered with in

any way; or

- any damage whatsoever if you fail to take precautions to prevent the loss

or damage.

Accessories

(Section H)

If your claim for your gadget is

approved, we will replace any

accessories that were

accidentally lost, stolen or

damaged at the same time as

your gadget up to a maximum

value of £150.

• Excludes

- accessories that are not attached to your gadget at the time of the theft,

loss or damage.

Page 3 of 3 Dagsm st May 2019

COMPLAINTS PROCEDURE

In the first instance contact Dagsm Customer Services : info@dagsm.com

Please ensure your policy number is quoted in all correspondence to assist a quick and efficient response.

FINANCIAL SERVICES COMPENSATION SCHEME

All Zenith Insurance plc policies issued in the UK for individual customers or ‘small businesses’ are covered by the Financial Services

Compensation Scheme. You may be entitled to compensation from the scheme if your insurer cannot meet its obligations (e.g. if it goes out of

business or into liquidation or is unable to trade).

Further information about compensation scheme arrangements is available from the FSCS (www.fscs.org.uk telephone 0207 741 4100).

SIGNIFICANT & UNUSUAL GENERAL EXCLUSIONS/LIMITATIONS

Excesses (All Sections) You will have to pay the amount of excess shown in your policy document. The excess must be paid before your

claim can be approved. The excess varies depending on the type of gadget you have insured with us and the

amounts payable are set out below:

- If your claim is for a gadget up to the value of £500 (when new) the excess fee is £50 for any claim

- If your claim is for a gadget over the values of £500 (when new) the excess fee is £75 for any claim

Reporting your loss

(Claims Procedures)

You must:

• notify DaGsm as soon as possible but ideally within 48 hours of the

discovery of any incident likely to give rise to a claim under this insurance; and

• report the loss or theft of any mobile phone or tablet, within 24 hours of discovery to your Airtime

Provider and blacklist your handset/tablet; and

• report the theft or loss of any gadgets to the Police within 48 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.

Please note any delay in reporting an incident to Direct Group Limited, your Airtime Provider or the Police may

invalidate your right to claim under the policy.

General Exclusions We will not pay any claim:

• if the serial number of your gadget has been tampered with in any way; or

• if the gadget was not less than 18 months old at the time the policy is taken out; or

• if the gadget was not purchased as new in the UK, or in the case of refurbished items, purchased in

the UK directly from the Manufacturer or Network Provider; or

• for reconnection costs or subscription fees; or

• if you are unable to evidence that the gadget has been used during the period of cover; or

• without being in receipt of evidence of ownership.

If your gadget was water resistant when new, the repaired or replaced gadget will also be water resistant but we

cannot guarantee the replacement will be water proof.