phone: Customer Services 0844 3463970 email: @ customerservices@protectyourbubble.com web w www.protectyourbubble.

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Gadget Insurance
Terms and Conditions

GADGET INSURANCE TERMS AND CONDITIONS

This document tells you about the benefits, conditions and exclusions of your gadget insurance policy. Please read these carefully to make sure you understand the cover provided and comply with the terms and conditions. The benefits, conditions and exclusions of this policy apply to the individual who owns the gadget(s). If the gadget(s) is owned by a business the benefits, conditions and exclusions of this policy apply to the business and any employees of that business who use the insured gadget(s) primarily for business purposes. This insurance is arranged by Protect your bubble, which is a trading name of Assurant Direct Limited who are an Appointed Representative of Assurant Intermediary Limited. The policy is administered by Assurant Services Limited and underwritten by Assurant General Insurance Limited. Assurant General Insurance Limited and Assurant Intermediary Limited are authorised and regulated by the Financial Services Authority. Assurant Services Limited are authorised and regulated by the Central Bank of Ireland. If you have any questions relating to this cover please contact Protect your bubble on 0844 3463970 or email customerservices@protectyourbubble.com. In return for the payment of your premium we will provide insurance for your gadget during the period of cover as stated in your Schedule of Insurance and subject to the terms, conditions, and limitations shown below or as amended in writing by us. It is a condition of this policy that your gadget is owned by you and in full working order (without being previously repaired) when you purchase the insurance. Excess - the amount you pay towards each claim. Exclusion Period: The period during which, if your gadget is stolen, lost, accidentally damaged, breaks down or suffers liquid damage, you will not be able to claim. This period is: o 14 days after the inception date of your policy o 14 days after any change to your policy in which you add a gadget to your policy or replace your current insured gadget or add loss cover - the exclusion period applies to the gadget you add Gadget the item(s) insured by us and purchased by you as detailed in your policy documents and specified on your Schedule of gadget Insurance. Inception - the date your cover begins with us, as detailed in your policy documents. Loss means that the gadget has been accidentally left by you in a location and you are permanently deprived of its use. Period of cover - The period of cover is 12 months from the inception date of your policy. The full annual premium can be paid at the policy inception or can be paid in monthly instalments on the specified payment date shown in your policy documents. The policy will remain in force for the period shown in your policy documents. Proof of purchase an original receipt and any other documentation required to prove your gadget was purchased from a UK VAT registered company, the date of purchase, make, model, serial/IMEI number of your gadget and that it is owned by you. Renewal - Each year we will contact you approximately one month before your renewal date and offer to renew your policy. If you do not tell us that you do not wish to continue your policy then we will automatically process your renewal. If for any reason we are unable to process your renewal we will still contact you approximately one month before your renewal date and invite you to renew your policy at www. protectyourbubble.com Reasonable precautions - all measures that it would be deemed appropriate to expect a person to take in the circumstances to prevent loss, accidental damage or theft of your gadget. Secured business premises property occupied by a business that only employees of that business have authorised independent access to. Single period of cover the 12 months following your policy inception or renewal date. Terrorism means any act of any person or organisation 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. Theft - the unlawful taking of your gadget against your will by another party, with the intention of permanently depriving you of it. Unattended - not within your sight at all times and out of your armslength reach. Unauthorised calls - calls made from your gadget after the time it was lost or stolen to the time it was blacklisted by your airtime provider. We, us, our - Assurant General Insurance Limited, Registered office: 6-12 Victoria Street, Windsor, Berkshire SL4 1EN. You, your - the person or business (including any employees of the business who use the insured gadget primarily for business purposes) who owns the gadget and is covered under this policy.

POLICY RENEWAL
Each year we will contact you approximately one month before your renewal date and offer to renew your policy. If you do not tell us that you do not wish to continue your policy then we will automatically process your renewal. If for any reason we are unable to automatically process your renewal we will still contact you approximately one month before your renewal date and invite you to renew your policy at www.protectyourbubble.com

FRAUDULENT CLAIMS
If you or anyone acting on your behalf makes any false or fraudulent claim or supports a claim with a false or fraudulent document, device or statement, your policy will be void from inception and you will forfeit all rights under the policy. In such circumstances we reserve the right to retain all premiums and to recover any sums paid by way of benefit under the policy. Your details may also be passed to the police. Should fraud be identified on a claim, we reserve the right to cancel any and every policy you currently have with us, or proceed to purchase in the future. In addition, your details will be listed in our records for fraud prevention purposes For full details of the checks we may make to prevent fraud, please visit www.protectyourbubble.com.

DEFINITIONS
Certain words and phrases have special meanings and have the same meaning wherever they appear in bold throughout this document. Accessories any item that you may attach to your gadget (for example a phone charger). Accidental Damage - the unintentional breakage, destruction or failure of your gadget, with visible evidence of an external force being applied, which makes the gadget unusable. Breakdown - the failure of any electrical, or mechanical component due to a sudden and unforeseen fault, causing your gadget to stop working in the intended way, requiring repair or replacement before the gadget can be used again. Cosmetic Damage - non-structural damage that does not affect the usage of the gadget, including but not limited to scratches, dents and marks.

WHAT YOUR POLICY COVERS YOU FOR

A. Accidental Damage We will pay repair costs if your gadget is damaged as the result of an accident. If we are unable to repair your gadget, a replacement gadget will be provided. B. Theft If your gadget is stolen we will replace it. Where only part or parts of your gadget have been stolen, we will only replace that part or parts. C. Loss If you selected the option to pay an additional premium and insure your gadget for loss then if you lose your gadget we will replace it. If you have cover for loss this will be shown on your schedule of insurance. Loss cover is not available for Laptops, MacBooks, TVs, Desktop PCs and PC Monitors.

D. Breakdown If your gadget suffers a breakdown which occurs outside of the manufacturers guarantee or warranty period, we will pay repair costs. If we are unable to repair your gadget a replacement gadget will be provided. E. Liquid Damage If your gadget is damaged as a result of accidentally coming into contact with any liquid, we will repair or replace it. F. Unauthorised calls. If your gadget is a mobile phone or PDA and is lost or stolen, and covered by your policy, we will refund the cost of calls made from the mobile phone or PDA after the time it was lost or stolen to the time it was blacklisted by your airtime provider up to a maximum of 100. Itemised bills must be provided.

E. Breakdown We will not pay for: 1. any breakdown claim that occurs within the manufacturers warranty period. 2. more than one breakdown claim in any single period of cover. 3. repair or other costs for: routine servicing, inspection, maintenance or cleaning loss caused by a manufacturers defect or recall of the gadget replacement of or adjustment to fittings, control knobs or buttons, batteries or aerials 4. repairs carried out by persons not authorised by us. 5. wear and tear or gradual deterioration of performance and cosmetic damage. 6. any claims if the serial number, IMEI (international mobile equipment identity) number or simgate has been tampered with in any way. F. Unauthorised Calls We will not pay for: 1. any unauthorised calls where the theft or loss has not been reported to your Airtime Provider and blacklisted within 48 hours of the occurrence of theft or loss. 2. any claim where an itemised bill is not provided. 3. more than one claim for unauthorised calls during any single period of cover.

REPLACEMENT
This policy offers replacement and is not a replacement as new policy. If the gadget cannot be replaced with an identical gadget 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 gadget.

EXCLUSIONS THAT APPLY TO YOUR COVER

A. Accidental Damage and B. Liquid Damage We will not pay any claim: 1. where the damage to your gadget is not consistent with what was reported to us. If, in the opinion of the repairers, the damage is not consistent with what was reported to us then the gadget will be returned to you unrepaired. You will not be able to claim again for that damage. 2. where the damage is caused by: you deliberately damaging or neglecting the gadget you not following the manufacturers instructions 3. for any form of Cosmetic Damage. 4. for routine servicing, inspection, maintenance or cleaning. We will not pay for: 5. more than one accidental damage claim in any single period of cover. 6. more than one liquid damage claim in any single period of cover. C. Theft and D. Loss We will not pay for theft or loss: 1. of any gadget from any motor vehicle where you or someone acting on your behalf or an employee of the business or someone acting on your businesss behalf is not in the vehicle, unless the gadget has been concealed in a locked boot, locked glove compartment or other locked internal compartment and all the vehicles windows and doors are closed and locked and all security systems have been activated. 2. of any gadget from any building, land, premises or vehicle unless force, resulting in damage to the building or premises, was used to gain entry or exit. 3. where the gadget has been left unattended when it is away from your home or, if the gadget is owned by a business, your secured business premises 4. of any gadget where reasonable precautions have not been taken. 5. of any gadget (including Mobiles and PDAs) not reported to the police within 48 hours of discovery. You will also need to report the loss or theft to your Airtime Provider and blacklist the handset within 48 hours of discovery. 6. of any gadget where you have not obtained a crime reference number in support of a theft and a lost property number in support of a loss claim within 48 hours of discovery. 7. of any gadget that occurs outside the UK if you do not supply us with a full police report. The report must contain all the relevant information to allow us to verify that the theft or loss occurred within the terms and conditions of this policy. We will not pay for: 8. more than one theft claim in any single period of cover. 9. more than one loss claim in any single period of cover.

EXCLUSIONS APPLICABLE TO ALL SECTIONS OF THE POLICY

Your gadget is NOT covered for: 1. more than one claim per insured peril listed above (A-F) during any single period of cover. 2. any claims made during the exclusion period. 3. any claim made, or any event causing the need for a claim to be made, that occurs before the policy inception date. 4. any gadget that was not in full working order when you purchased the insurance. 5. any claim where you cannot provide proof of purchase which must include the date the gadget was purchased / date contract started, be in your name and have the serial / IMEI number of the product. If the proof of purchase is not in your name you will be required to provide evidence that you own the gadget and that it was owned by you when the loss, theft, accidental damage, breakdown, or liquid damage occurred. 6. any claim for a mobile phone, iPhone or PDA which has not been used for its core purpose since the inception of your policy, or since it was added to your policy, as verified by your airtime provider. 7. any claim where the gadget has not been used following the exclusion period. 8. any repair or replacement if a SIM card registered to you was not in the insured mobile phone or PDA at the time of the accidental damage, theft, loss, breakdown, or liquid damage. 9. any claims for gadgets purchased from an on-line auction site without a receipt as new from a UK VAT registered company. 10. reconnection costs or subscription fees of any kind. 11. any claim where you cannot validate the circumstances of the claim to our satisfaction or where we identify fraudulent behavior. 12. any loss of a SIM (subscriber identity module) card. 13. 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. 14. theft, loss, breakdown of or accidental damage to accessories of any kind. 15. 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. 16. any repair or replacement if the SIM or gadget was blocked with the service provider at the time of the incident. 17. the cost of replacing any personalised ring tones or graphics, downloaded material or software. 18. loss of Data or Software. Any loss of or damage to information or data

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or software contained in or stored on the gadget whether arising as a result of a claim paid by this insurance or otherwise. any other costs that are directly or indirectly caused by the event which led to your claim unless specifically stated in this policy. liability of whatsoever nature arising from ownership or use of the gadget, including any illness or injury resulting from it. Value Added Tax (VAT) where you are registered with HM Revenue and Customs for VAT. 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. 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. sonic boom damage or destruction directly occasioned by pressure waves caused by aircraft or other aerial devices travelling at sonic or supersonic speeds.

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cancelled or unsuccessful at any given point, no benefits shall be due whatsoever. We will inform you that payment has not been collected and cancel your policy if payment is still not received within a specified period of time. We will process your claim under the terms and conditions of this insurance based on the first reason notified to us for the claim. The cover for your gadget applies to you as the: p erson who purchased the policy and your husband, wife, partner, children or parents who permanently live in your home or; b usiness that purchased the policy (including any employees of the business who use the insured gadget primarily for business purposes). If a theft or loss claim is agreed, and your gadget is subsequently found, you must return your gadget to us. Failure to do so may result in legal proceedings being taken against you and you will be liable for costs incurred. Unless we have agreed differently with you, English law will apply.

HOW DO I CANCEL MY POLICY?

1. You may cancel the insurance, and receive a full refund, without giving reason, by sending us written notice within 14 days of Inception or (if later) within 14 days of you receiving the insurance documents. This notice may be sent via email. If you wish to cancel your insurance after the initial 14 day period, you can do so by writing to Protect your bubble at Policy Administration Manager, Protect your bubble, PO Box 1033, Uxbridge, UB8 9PX or e-mail premiums@protectyourbubble.com If you have paid the annual premium, not made a claim and wish to cancel your policy you will be entitled to a pro rata refund. This means that a refund will only be given for every complete month of the policy remaining, from the date you request the policy to be cancelled. For example, if you have an annual premium of 65.89 and request that your policy is cancelled during the seventh month, you will be entitled to a refund for the remaining full 5 months. This will be calculated as 5/12th of the premium you have paid as follows: The premium taken for a policy is 65.89, therefore the refund would be 65.89/12 x 5 = 27.45 less any administration fee detailed below. We will apply an administration fee of 10 to all policy cancellations made after the initial 14 days which will be deducted from any refund given. If the pro rata refund due to you is less or equal to 10 the refund value of the policy will be 0. Cancellations will not be backdated. Where you have made a claim and wish to cancel your policy you will not be entitled to a pro-rata refund.

GENERAL CONDITIONS AND LIMITATIONS

1. 2. 3. 4. 5. 6. You must be at least 18 years of age at time of policy inception and a UK resident. The gadget must be less than 12 months old at policy inception with a valid proof of purchase. All gadgets must have been purchased as new from a UK VAT registered company This cover is limited to two replacements per insured gadget per year. We will only process claims and pay for the repair or replacement up to the value that your gadget is insured for. If you pay monthly and make a claim you will be required to pay the premium remaining term of the 12 month contract before we can authorise any claim. You must provide us with proof of purchase in the form of a receipt, or any other documentation we may ask for, to prove your gadget was purchased from a UK VAT registered company, the date of purchase, make, model, serial/IMEI number of your gadget and that you own it. This insurance only covers gadgets purchased and used in the UK, the Isle of Man and the Channel Islands. Cover is extended to include use of the gadget anywhere in the world up to a maximum of 90 days in total, in any single 12 month period, subject to any repairs being carried out in the UK by repairers approved by us. We may change the terms and conditions of the policy and or the premium. We will give you 30 days written notice of any change. Some of the circumstances that may warrant us having to vary the terms of your cover include: (a) legistlative or regulatory changes (b) clarification or changes to our processes (c) market changes for this type of policy Please note that this list is indicative of some of the reasons that may lead us to having to vary your policy and is not an exhaustive list. Only changes formally made by us and advised to you in writing are accepted as terms under this policy. No other parties have any jurisdiction to change or agree any different terms.In the event of any claim you are responsible for the payment of any outstanding premium for that policy term. We may cancel your policy at any time upon giving you 30 days notice in writing. If we cancel your policy and you have not made any claim: and if you have paid the annual premium you will be entitled to a pro rata refund. This means that a refund will be given for every complete month of the policy remaining from the date 30 days after you receive our written notice of cancellation; or if you are paying your annual premium by monthly instalments, we will not collect any further instalments after you receive our written notice of cancellation. You must take all reasonable precautions to prevent any loss or damage. In respect of monthly policies if the Direct Debit premium payment is

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HOW DO I MAKE A CLAIM?

1. You must notify the Protect your bubble Customer Care team on 0844 3463970 or customerservices@protectyourbubble.com as soon as possible after any incident likely to give rise to a claim under this insurance and submit any claim form we may ask you to complete; You must report the theft or loss of any mobile phone or PDA to your Airtime Provider within 48 hours of the occurrence of theft or loss and blacklist your handset; You must report the theft or loss of any gadget (including mobile phones or PDAs) to the Police within 48 hours of the occurrence of theft or loss and obtain a crime reference number in support of a theft and a lost property number in support of a loss claim. If we are unable to verify the crime reference number we will request a police report. If the theft or loss occurs outside the UK; you must supply us with a full police report. The report must contain all the relevant information to allow us to verify that the theft or loss occurred within the terms and conditions of this policy. You will need to send in your proof of purchase via post, email or fax. This must include the date the product was purchased / date contract started, be in your name and have the serial / IMEI number of the product. If we replace your gadget the damaged or lost gadget becomes ours. If it is returned or found you must notify us and send it to us if we ask you to.

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Before your claim can be approved, you must pay the stated excess fee. Please see the details of excess fees below. iPhones and Smartphones - 50 iPads - 50 Laptops 75 All other gadgets - 25 All Loss claims incur an additional 25 excess charge A ll Accidental Damage claims made in the first 3 months from the policy start date incur an additional 25 excess charge On all international claims the total excess is 75

ASSIGNING YOUR POLICY

The benefits of this policy cannot be transferred to someone else or to any other without our written permission.

WHAT WILL YOU DO WITH MY INFORMATION?

We and Protect your bubble are registered data controllers under the Data Protection Act 1998 and we follow strict security procedures in the storage and disclosure of the information, that you have given us, to prevent unauthorised access. Personal Data Protecting your privacy is important to us and Protect your bubble. To the extent that personal data or sensitive personal data is processed about you, we and Protect your bubble will employ appropriate security measures given the nature of the data. We shall try to ensure that your details are accurate, kept up to date and are not kept for longer than is necessary. Use of your personal data The information you supply will be used (i) to administer and process your insurance policy, (ii) to keep you informed of any changes to insurance products you have bought, (iii) for internal analysis and research, (iv) to identify you when you contact either Protect your bubble or us, and (v) to send you marketing literature from Protect your bubble, if at the time of purchase you requested to receive this information. If you do not wish to receive such information please contact Protect your bubble on 0844 3463970 or email customerservices@protectyourbubble.com. Sharing of Information We and Protect your bubble will not disclose your personal information without your consent, except in limited circumstances, for example, as permitted or required by law. We and Protect your bubble may share your personal information with third party service providers both inside and outside the European Union in connection with providing, administering and servicing your insurance policy and responding to any queries or complaints from you. Some of these parties may be located outside the European Economic Area (the EEA). The data protection laws and other laws of these countries may not be as comprehensive as those that apply within the EEA - in these instances we will take steps to ensure that your privacy rights are respected and your personal information processed in strict compliance with the Data Protection Act 1998. Details of the countries relevant to you will be provided to you upon request. Your Right to Access You have the right to access the personal data that we or Protect your bubble hold about you, by sending a written request to us at Assurant General Insurance Limited, PO Box 1033, Uxbridge, UB8 9PX, and on payment of a fee of 10.00. You also have the right to request that any inaccuracies in the information we hold about you are corrected. Fraud Prevention If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies. Law enforcement agencies may access and use this information. We and other organisations may also access and use this information to prevent fraud and money laundering, for example, when: Checking details on applications for credit and credit related or other facilities Managing credit and credit related accounts or facilities Recovering debt Checking details on proposals and claims for all types of insurance Checking details of job applicants and employees Please contact the Quality Assurance Manager at Assurant General Insurance Limited at the address below if you want to receive details of the relevant fraud prevention agencies. We and other organisations may access and use from other countries the information recorded by fraud prevention.

For more information on how to make a claim visit www.protectyourbubble. com

COMPLAINTS PROCEDURE
1. Although we set ourselves high standards, if we do not meet your expectations and you are not satisfied in some way we would like to know. If you follow the guidelines below, your complaint will be dealt with in the most efficient way possible. Step 1 Contact: The Quality Assurance Manager, Assurant General Insurance Limited, PO Box 1033, Uxbridge, UB8 9PX, or telephone 0844 3463980, email: complaints@protectyourbubble.com Step 2 If you are still not satisfied with the way your complaint has been dealt with, you can ask the Financial Ombudsman Service to review your case. you can contact them at the following address: South Quay Plaza, 183 Marsh Wall, London, E14 9SR. Telephone Number: 0845 080 1800. 2. In order for the Financial Ombudsman Service to review your case, you must send your complaint to them within 6 months of the date of our final correspondence to you. This procedure will not affect your rights to take legal action.

NOTICE TO CUSTOMERS
1. You are advised that any telephone call made to our Policy Administration, Customer Services and Quality Assurance departments may be monitored or recorded. This is to monitor the accuracy of information provided by our customers and our own staff. It may also be used to provide additional training to our staff or to prove that our procedures comply with legal and regulatory requirements. Our staff are aware that calls can be recorded and monitored. If we are not able to meet our responsibilities, you may be entitled to compensation from the Financial Services Compensation Scheme (FSCS). you can contact them at 7th floor Lloyds Chambers, Portsoken Street, London, E1 8BN. or on their website www.fscs.org.uk. The level of protection for non-compulsory insurance claims is 90% with no upper limit. Assurant Intermediary Limited (FSA number: 311243) and Assurant General Insurance Limited (FSA number: 202735) are authorised and regulated by the Financial Services Authority (FSA). You can check this on the FSA register at www.fsa.gov.uk/register or by calling 0845 6061234. If you make a claim for theft all your insured gadgets reported stolen will be checked against the police national stolen items database. An agent may visit with you to discuss the circumstances of your claim. Should we arrange this then your information, recordings of your telephone calls made to us and copies of any emails, letters, proofs of purchase or other documents that was sent to us in relation to your claim and/or policy will be passed to that agency. You must make yourself available to that agent. Failure to meet with that agent will stop any benefits being paid on your claim and any future claims.

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The terms and conditions of this insurance do not affect your statutory rights relating to faulty or mis-described goods. For further information about your statutory rights, contact your local authority Trading Standards Department or the Citizens Advice Bureau in the UK.