Pier Insurance Lite Terms & Conditions

TCL0505
Pier Insurance Lite Terms & Conditions
Definitions
1. “Equipment” shall mean the Mobile Phone and its battery and mains
charger as specified on the policy schedule including any
replacement Equipment provided by or loaned by Us
2. “Unattended” shall mean not within Your sight at all times and/or out
of Your arms-length reach
3. “We/Us/Our” shall mean Pier Insurance Managed Services Limited
4. “You/Your” shall mean the private individual or company detailed on
the policy schedule
The Cover
UK General Insurance on behalf of Ageas Insurance Limited Registered in
England No.354568. Registered Office Ageas House Tollgate Eastleigh
Hampshire SO53 3YA (the insurer) will subject to the exclusions and
conditions indemnify You by payment or at its option by replacement (with
identical Equipment or Equipment of comparable specification up to a
maximum retail value of €375) or repair in respect of accidental damage
liquid damage or theft of the Equipment occurring during the Period of
Insurance
Exclusions
The Insurer shall not be liable for
1. theft of the Equipment from any unattended vehicle unless all
windows are closed all doors are securely locked all security devices
are activated and the Equipment is concealed from view in a locked
glove compartment locked boot or locked load area
2. theft of the Equipment from any premises or mode of transport unless
involving forcible and violent entry or exit
3. theft of the Equipment from the person of the user unless involving
force or the threat thereof
4. theft of the Equipment whilst left Unattended when it is away from
your home
5. repair or replacement arising as a result of negligent use wilful abuse
or misuse
6. damage to the battery or aerial or any cosmetic damage
7. the cost of replacing or repairing accessories or costs arising from the
use of accessories
8. the cost of routine inspection service adjustment or cleaning
9. any amount recoverable under any guarantee warranty or other
insurance
10. loss of the Equipment loss of use or any other costs that are directly
or indirectly caused by the event which led to your claim unless
specifically stated in this policy
11. repairs carried out by persons not authorised by Us
12. the policy excess as detailed below
13. the cost of replacing any stored data including but not limited to tunes
songs personalised ring tones pictures films or graphics
14. any damage or fault caused by any form of electronic virus
Conditions
1. The schedule and the policy shall be read together as one document
and any word or expression to which a specific meaning has been
attached shall bear such specific meaning wherever it may appear
2. All reasonable precautions must be taken to prevent damage to or
theft of the Equipment
3. Details of any replacement of the Equipment (IMEI/serial number)
must be advised to Us with proof of purchase in writing or by e-mail to
Us (insure@pierinsurance.com)
4. Cover under this Insurance Policy is subject to the payment of the
premium by direct debit/credit card Premiums must be up to date and
are non-refundable after the insurance cover has commenced other
than during the cooling off period
5. This policy will be voidable in the event of fraud non disclosure or
alteration of risk
6. Each party is entitled to cancel the insurance at any time giving not
less than 30 days notice to the other in writing
Policy Excess
You will be responsible for the first €37.50 of each and every claim
Claims Procedure
In the event of a claim You must:
a. advise the police within 24 hours if there has been theft or vandalism
and obtain a Crime Reference Number Lost property numbers are not
acceptable in support of a claim
b. advise Us by telephone as soon as possible and in any event within
48 hours on the claims hotline number - 0870 416 3355
c. provide at Your own expense a claim form and all details and
evidence as may be reasonably required within 30 days of receipt
d. notify the appropriate air time provider within 12 hours of discovery
Orange 07973 100150 T-Mobile 08454 125000
Vodafone 07002 191191 0-2 08705 860860
3 08707 330333
UK Underwriting is an agent of Ageas Insurance Limited and in claims
matters act on their behalf.
Territorial Limits
Great Britain Northern Ireland Isle of Man The Channel Islands or the Republic of
Ireland and up to 60 days during any one calendar year elsewhere in the World
Compensation Scheme
Ageas Insurance 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 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
Pier Insurance Managed Services Limited Ageas Insurance Limited and UK
General Insurance are authorised and regulated by the Financial Services
Authority This can be checked on the FSA's register by visiting the FSA's website
at www.fsa.gov.uk/register or by contacting them on 0845 606 1234
Period of Insurance
This insurance commences at the time of purchase for a period of one month and
will continue to be renewed by periods of one month for up to a maximum of 60
months in all upon receipt of Your monthly premium
Cooling off period
You may cancel this policy within 14 days of receiving it by contacting Us at the
address shown in this policy Provided no claim has been made a full refund of
premium paid by You will be given
Complaints Procedure
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 Scheme Administrator The contact details are:
Scheme Administrator Pier Insurance Managed Services Limited
Suite 7 Chalkwell Lawns 648-656 London Road Westcliff on Sea Essex SS0 9HR
Tel (0870) 416 3353 Fax (0870) 416 3354 Email enquiries@pierinsurance.com
Please ensure your policy number is quoted in all correspondence to assist a
quick and efficient response
In the event you remain dissatisfied and wish to make a complaint you can do so
by contacting the following:
The Customer Relations Manager UK General Cast House, Old Mill Business
Park Gibraltar Island Road, Leeds LS10 1RJ Tel: 0845 218 2685 Email:
customerrelations@ukgeneral.co.uk
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 but have a group annual turnover of less than £1 million or are a
charity with an annual income of less than £1 million or are a trustee of a trust with
a net asset value of less than £1 million You may contact the Financial
Ombudsman Service at
Financial Services Ombudsman
3rd Floor Lincoln House
Lincoln Place Dublin 2
Tel: +3531 662 0899
Email: enquiries@financialombudsman.ie
Your statutory rights are not affected if you choose to follow the complaints
procedure above. For further information about your statutory rights contact your
local authority Trading Standards Service or Citizens Advice Bureau
Law applicable to the contract
This policy shall be governed by and construed in accordance with the Law of
England and Wales unless the Insured’s habitual residence or central
administration and/or place of establishment is located in Scotland in which case
the law of Scotland shall apply
Data Protection
The data supplied by You will be used by Us for the purposes of processing Your
policy of insurance including underwriting administration and handling any claim
which may arise The data supplied may also be used by Us or any group
company to contact You from time to time in order to notify You of other goods
and services that We offer If You do not consent to such use of Your personal
data please email Us at enquiries@Pierinsurance.com
It is important that the data You have supplied is kept up to date You should
therefore notify us promptly of any changes You are entitled upon payment of an
administration fee (currently £10) to inspect the personal data which we are
holding about You If You wish to make such an inspection You should contact:
Pier Insurance Managed Services Limited Suite 7 Chalkwell Lawns 648-656
London Road Westcliff-on-Sea Essex SS0 9HR
We may respond to enquiries by the Police concerning Your policy in the normal
course of their investigations Where it is necessary to administer Your policy
effectively or to protect Your interests we may disclose the data You have supplied
to other third parties such as solicitors loss adjusters motor garages engineers
repairers replacement companies other insurers etc
We may exchange information with third parties for the purposes of fraud
protection and credit risk reduction We may transfer our bases containing Your
personal information if we sell Our business or part of it
PTCL0310

Pier Insurance Standard Terms & Conditions

TCL0505
Pier Insurance Standard Terms & Conditions
Definitions
1. “Equipment” shall mean the Mobile Phone and its battery and mains
charger as specified on the policy schedule including any
replacement Equipment provided by or loaned by Us
2. “Unattended” shall mean not within Your sight at all times and/or out
of Your arms-length reach
3. “We/Us/Our” shall mean Pier Insurance Managed Services Limited
4. “You/Your” shall mean the private individual or company detailed on
the policy schedule
The Cover
UK General Insurance on behalf of Ageas Insurance Limited Registered in
England No.354568. Registered Office Ageas House Tollgate Eastleigh
Hampshire SO53 3YA (the insurer) will subject to the exclusions and
conditions indemnify You by payment or at its option by replacement (with
identical Equipment or Equipment of comparable specification up to a
maximum retail value of €375) or repair in respect of accidental damage
liquid damage or theft of the Equipment occurring during the Period of
Insurance
Exclusions
The Insurer shall not be liable for
1. theft of the Equipment from any unattended vehicle unless all
windows are closed all doors are securely locked all security devices
are activated and the Equipment is concealed from view in a locked
glove compartment locked boot or locked load area
2. theft of the Equipment from any premises or mode of transport unless
involving forcible and violent entry or exit
3. theft of the Equipment from the person of the user unless involving
force or the threat thereof
4. theft of the Equipment whilst left Unattended when it is away from
your home
5. repair or replacement arising as a result of negligent use wilful abuse
or misuse
6. damage to the battery or aerial or any cosmetic damage
7. the cost of replacing or repairing accessories or costs arising from the
use of accessories
8. the cost of routine inspection service adjustment or cleaning
9. any amount recoverable under any guarantee warranty or other
insurance
10. loss of the Equipment loss of use or any other costs that are directly
or indirectly caused by the event which led to your claim unless
specifically stated in this policy
11. repairs carried out by persons not authorised by Us
12. the policy excess as detailed below
13. the cost of replacing any stored data including but not limited to tunes
songs personalised ring tones pictures films or graphics
14. any damage or fault caused by any form of electronic virus
Conditions
1. The schedule and the policy shall be read together as one document
and any word or expression to which a specific meaning has been
attached shall bear such specific meaning wherever it may appear
2. All reasonable precautions must be taken to prevent damage to or
theft of the Equipment
3. Details of any replacement of the Equipment (IMEI/serial number)
must be advised to Us with proof of purchase in writing or by e-mail to
Us (insure@pierinsurance.com)
4. Cover under this Insurance Policy is subject to the payment of the
premium by direct debit/credit card Premiums must be up to date and
are non-refundable after the insurance cover has commenced other
than during the cooling off period
5. This policy will be voidable in the event of fraud non disclosure or
alteration of risk
6. Each party is entitled to cancel the insurance at any time giving not
less than 30 days notice to the other in writing
Policy Excess
You will be responsible for the first €37.50 of your first claim increasing to
€75 for any subsequent claims
You will be responsible for the first €75 of your first and subsequent claims
for 3G handsets
Claims Procedure
In the event of a claim You must:
a. advise the police within 24 hours if there has been theft or vandalism
and obtain a Crime Reference Number Lost property numbers are not
acceptable in support of a claim
b. advise Us by telephone as soon as possible and in any event within
48 hours on the claims hotline number - 0870 416 3355
c. provide at Your own expense a claim form and all details and
evidence as may be reasonably required within 30 days of receipt
d. notify the appropriate air time provider within 12 hours of discovery
Orange 07973 100150 T-Mobile 08454 125000
Vodafone 07002 191191 0-2 08705 860860
3 08707 330333
UK Underwriting is an agent of Ageas Insurance Limited and in claims
matters act on their behalf.
Territorial Limits
Great Britain Northern Ireland Isle of Man The Channel Islands or the Republic of
Ireland and up to 60 days during any one calendar year elsewhere in the World
Compensation Scheme
Ageas Insurance 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 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
Pier Insurance Managed Services Limited Ageas Insurance Limited and UK
General Insurance are authorised and regulated by the Financial Services
Authority This can be checked on the FSA's register by visiting the FSA's website
at www.fsa.gov.uk/register or by contacting them on 0845 606 1234
Period of Insurance
This insurance commences at the time of purchase for a period of one month and
will continue to be renewed by periods of one month for up to a maximum of 60
months in all upon receipt of Your monthly premium
Cooling off period
You may cancel this policy within 14 days of receiving it by contacting Us at the
address shown in this policy Provided no claim has been made a full refund of
premium paid by You will be given
Complaints Procedure
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 Scheme Administrator The contact details are:
Scheme Administrator Pier Insurance Managed Services Limited
Suite 7 Chalkwell Lawns 648-656 London Road Westcliff on Sea Essex SS0 9HR
Tel (0870) 416 3353 Fax (0870) 416 3354 Email enquiries@pierinsurance.com
Please ensure your policy number is quoted in all correspondence to assist a
quick and efficient response
In the event you remain dissatisfied and wish to make a complaint you can do so
by contacting the following:
The Customer Relations Manager UK General Cast House, Old Mill Business
Park Gibraltar Island Road, Leeds LS10 1RJ Tel: 0845 218 2685 Email:
customerrelations@ukgeneral.co.uk
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 but have a group annual turnover of less than £1 million or are a
charity with an annual income of less than £1 million or are a trustee of a trust with
a net asset value of less than £1 million You may contact the Financial
Ombudsman Service at
Financial Services Ombudsman
3rd Floor Lincoln House
Lincoln Place Dublin 2
Tel: +3531 662 0899
Email: enquiries@financialombudsman.ie
Your statutory rights are not affected if you choose to follow the complaints
procedure above. For further information about your statutory rights contact your
local authority Trading Standards Service or Citizens Advice Bureau
Law applicable to the contract
This policy shall be governed by and construed in accordance with the Law of
England and Wales unless the Insured’s habitual residence or central
administration and/or place of establishment is located in Scotland in which case
the law of Scotland shall apply
Data Protection
The data supplied by You will be used by Us for the purposes of processing Your
policy of insurance including underwriting administration and handling any claim
which may arise The data supplied may also be used by Us or any group
company to contact You from time to time in order to notify You of other goods
and services that We offer If You do not consent to such use of Your personal
data please email Us at enquiries@Pierinsurance.com
It is important that the data You have supplied is kept up to date You should
therefore notify us promptly of any changes You are entitled upon payment of an
administration fee (currently £10) to inspect the personal data which we are
holding about You If You wish to make such an inspection You should contact:
Pier Insurance Managed Services Limited Suite 7 Chalkwell Lawns 648-656
London Road Westcliff-on-Sea Essex SS0 9HR
We may respond to enquiries by the Police concerning Your policy in the normal
course of their investigations Where it is necessary to administer Your policy
effectively or to protect Your interests we may disclose the data You have supplied
to other third parties such as solicitors loss adjusters motor garages engineers
repairers replacement companies other insurers etc
We may exchange information with third parties for the purposes of fraud
protection and credit risk reduction We may transfer our bases containing Your
personal information if we sell Our business or part of it
PTCST0310


Pier Insurance Plus Terms & Conditions

TCL0505
Pier Insurance Plus Terms & Conditions
Definitions
1. “Equipment” shall mean the Mobile Phone and its battery and mains
charger as specified on the policy schedule including any
replacement Equipment provided by or loaned by Us
2. “Unattended” shall mean not within Your sight at all times and/or out
of Your arms-length reach
3. “We/Us/Our” shall mean Pier Insurance Managed Services Limited
4. “You/Your” shall mean the private individual or company detailed on
the policy schedule
The Cover
UK General Insurance on behalf of Ageas Insurance Limited Registered in
England No.354568. Registered Office Ageas House Tollgate Eastleigh
Hampshire SO53 3YA (the insurer) will subject to the exclusions and
conditions indemnify You by payment or at its option by replacement (with
identical Equipment or Equipment of comparable specification up to a
maximum retail value of €750) or repair in respect of accidental damage
liquid damage or theft of the Equipment occurring during the Period of
Insurance
Exclusions
The Insurer shall not be liable for
1. theft of the Equipment from any unattended vehicle unless all
windows are closed all doors are securely locked all security devices
are activated and the Equipment is concealed from view in a locked
glove compartment locked boot or locked load area
2. theft of the Equipment from any premises or mode of transport unless
involving forcible and violent entry or exit
3. theft of the Equipment from the person of the user unless involving
force or the threat thereof
4. theft of the Equipment whilst left Unattended when it is away from
your home
5. repair or replacement arising as a result of negligent use wilful abuse
or misuse
6. damage to the battery or aerial or any cosmetic damage
7. the cost of replacing or repairing accessories or costs arising from the
use of accessories
8. the cost of routine inspection service adjustment or cleaning
9. any amount recoverable under any guarantee warranty or other
insurance
10. loss of the Equipment loss of use or any other costs that are directly
or indirectly caused by the event which led to your claim unless
specifically stated in this policy
11. repairs carried out by persons not authorised by Us
12. the policy excess as detailed below
13. the cost of replacing any stored data including but not limited to tunes
songs personalised ring tones pictures films or graphics
14. any damage or fault caused by any form of electronic virus
Conditions
1. The schedule and the policy shall be read together as one document
and any word or expression to which a specific meaning has been
attached shall bear such specific meaning wherever it may appear
2. All reasonable precautions must be taken to prevent damage to or
theft of the Equipment
3. Details of any replacement of the Equipment (IMEI/serial number)
must be advised to Us with proof of purchase in writing or by e-mail to
Us (insure@pierinsurance.com)
4. Cover under this Insurance Policy is subject to the payment of the
premium by direct debit/credit card Premiums must be up to date and
are non-refundable after the insurance cover has commenced other
than during the cooling off period
5. This policy will be voidable in the event of fraud non disclosure or
alteration of risk
6. Each party is entitled to cancel the insurance at any time giving not
less than 30 days notice to the other in writing
Policy Excess
You will be responsible for the first €37.50 of each and every claim
Claims Procedure
In the event of a claim You must:
a. advise the police within 24 hours if there has been theft or vandalism
and obtain a Crime Reference Number Lost property numbers are not
acceptable in support of a claim
b. advise Us by telephone as soon as possible and in any event within
48 hours on the claims hotline number - 0870 416 3355
c. provide at Your own expense a claim form and all details and
evidence as may be reasonably required within 30 days of receipt
d. notify the appropriate air time provider within 12 hours of discovery
Orange 07973 100150 T-Mobile 08454 125000
Vodafone 07002 191191 0-2 08705 860860
3 08707 330333
UK Underwriting is an agent of Ageas Insurance Limited and in claims
matters act on their behalf.
Territorial Limits
Great Britain Northern Ireland Isle of Man The Channel Islands or the Republic of
Ireland and up to 60 days during any one calendar year elsewhere in the World
Compensation Scheme
Ageas Insurance 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 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
Pier Insurance Managed Services Limited Ageas Insurance Limited and UK
General Insurance are authorised and regulated by the Financial Services
Authority This can be checked on the FSA's register by visiting the FSA's website
at www.fsa.gov.uk/register or by contacting them on 0845 606 1234
Period of Insurance
This insurance commences at the time of purchase for a period of one month and
will continue to be renewed by periods of one month for up to a maximum of 60
months in all upon receipt of Your monthly premium
Cooling off period
You may cancel this policy within 14 days of receiving it by contacting Us at the
address shown in this policy Provided no claim has been made a full refund of
premium paid by You will be given
Complaints Procedure
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 Scheme Administrator The contact details are:
Scheme Administrator Pier Insurance Managed Services Limited
Suite 7 Chalkwell Lawns 648-656 London Road Westcliff on Sea Essex SS0 9HR
Tel (0870) 416 3353 Fax (0870) 416 3354 Email enquiries@pierinsurance.com
Please ensure your policy number is quoted in all correspondence to assist a
quick and efficient response
In the event you remain dissatisfied and wish to make a complaint you can do so
by contacting the following:
The Customer Relations Manager UK General Cast House, Old Mill Business
Park Gibraltar Island Road, Leeds LS10 1RJ Tel: 0845 218 2685 Email:
customerrelations@ukgeneral.co.uk
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 but have a group annual turnover of less than £1 million or are a
charity with an annual income of less than £1 million or are a trustee of a trust with
a net asset value of less than £1 million You may contact the Financial
Ombudsman Service at
Financial Services Ombudsman
3rd Floor Lincoln House
Lincoln Place Dublin 2
Tel: +3531 662 0899
Email: enquiries@financialombudsman.ie
Your statutory rights are not affected if you choose to follow the complaints
procedure above. For further information about your statutory rights contact your
local authority Trading Standards Service or Citizens Advice Bureau
Law applicable to the contract
This policy shall be governed by and construed in accordance with the Law of
England and Wales unless the Insured’s habitual residence or central
administration and/or place of establishment is located in Scotland in which case
the law of Scotland shall apply
Data Protection
The data supplied by You will be used by Us for the purposes of processing Your
policy of insurance including underwriting administration and handling any claim
which may arise The data supplied may also be used by Us or any group
company to contact You from time to time in order to notify You of other goods
and services that We offer If You do not consent to such use of Your personal
data please email Us at enquiries@Pierinsurance.com
It is important that the data You have supplied is kept up to date You should
therefore notify us promptly of any changes You are entitled upon payment of an
administration fee (currently £10) to inspect the personal data which we are
holding about You If You wish to make such an inspection You should contact:
Pier Insurance Managed Services Limited Suite 7 Chalkwell Lawns 648-656
London Road Westcliff-on-Sea Essex SS0 9HR
We may respond to enquiries by the Police concerning Your policy in the normal
course of their investigations Where it is necessary to administer Your policy
effectively or to protect Your interests we may disclose the data You have supplied
to other third parties such as solicitors loss adjusters motor garages engineers
repairers replacement companies other insurers etc
We may exchange information with third parties for the purposes of fraud
protection and credit risk reduction We may transfer our bases containing Your
personal information if we sell Our business or part of it
PTCPL0310

Pier Insurance Premium Terms & Conditions