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You/Your
The insured person(s) who is an Account holder.
The Insurer
Your Policy is underwritten by London General Insurance
Company Limited who is authorised and regulated by the
Financial Services Authority (FSA) as an insurance company and
to undertake insurance mediation activity under registration
number 202689. You can check this by visiting the FSA’s website
www.fsa.gov.uk/register/ or by contacting the FSA on
0845 606 1234. London General Insurance Company Limited is
registered in England number 1865673. Registered Office: Integra
House, Floor 2, Vicarage Road, Egham, Surrey, TW20 9JZ, United
Kingdom. The main business of the Insurer is effecting and
carrying out insurance contracts.
Our part of the contract is as follows:
The Insurer provides the cover set out in Your Policy.
Your part of the contract is as follows.
1. Your Mobile Phone is automatically covered under this
benefit, however to help Us administer Your Policy more
effectively, You can provide Us with Your Mobile Phone
details. For example, it can help Us to process a claim more
quickly if You have already registered Your Mobile
Phone details.
Please note that Mobile Phones are only automatically
covered if they meet the requirements of the cover.
2. You can register the following details about Your Mobile
Phone with Ultimate Reward Customer Services on
08451 24 14 00:
(a) The make and model of Your Mobile Phone
(b) Your mobile phone number
(c) Your mobile phone service provider
(d) Your Mobile Phone’s IMEI Number (this can be
identified by keying in *#06# on Your keypad). The details
You provide will be contained in the Confirmation
which is sent to You after registration.
3. Only use Your Mobile Phone in accordance with the
manufacturer’s instructions.
4. Take reasonable care to prevent theft of, loss of, or damage
to, Your Mobile Phone. Reasonable care means all measures
that it would be reasonable to expect You to take in the
circumstances to prevent or mitigate damage, theft or loss
of Your Mobile Phone.
5. Advise Us if any of Your personal details change. You change
the mobile phone You wish to be registered or Your Mobile
Phone number changes.
6. Inform Us within 48 hours of You discovering that an
Incident has occurred, or in the event of an Incident
occurring outside of the UK then within 48 hours of Your
returning to the UK.
Fraud
The personal details You supply to Us during the application and
registration process will be used to combat fraud.
These details will be retained for up to two years after Your
Policy expires.
The contract between You, Us and The Insurer is based on
mutual trust. If You (or anyone acting for You):
• Make a claim under the Policy knowing the statement to
be false in any respect, or submit a document in support of
a claim knowing the document to be forged or false in any
respect; or
• Make a claim in respect of any loss, theft, or damage caused
by Your wilful act, or with the intent to defraud the Insurer.
Then:
• The Insurer shall not honour the claim
• The Insurer shall not honour any other claim which has been
made under any Policy held by You;
• We shall cancel Your Policy immediately
• We will be entitled to recover from You the cost of any
claim already paid under this Policy
• We will be entitled to recover from You the cost of any
investigation into a fraudulent claim under this Policy
and
• We may inform the Police and/or any other law enforcement
agency about the circumstances of such a claim.
How to make a claim
1. You must contact Ultimate Reward Customer Services on
08451 24 14 00 within 48 hours of discovering an Incident
occurring or in the event of an Incident occurring outside of
the UK then within 48 hours of returning to the UK. Please
be ready to provide Your sort code, account number and
mobile phone number. We will then provide You with a
claim form.
If Your Mobile Phone is lost or stolen, You must also follow
these simple steps within 24 hours of discovering an Incident
occurring:
1. Call Your airtime provider to bar Your SIM card to prevent
any further Unauthorised Calls being made; and
2. Inform the appropriate local Police authority and obtain
a crime/loss number (as appropriate) and a copy of the
Police report.
Airtime providers’ numbers at the date of publication of this
policy wording:
3 08707 33 03 30
O2 08705 21 40 00
Orange 07973 10 01 50
T-Mobile 08454 12 50 00
Virgin Mobile 08456 00 07 89
Vodafone 07836 19 11 91
Conditions upon making a claim
1. You must return the fully completed claim form to Us within
14 days of receipt of the claim form. If applicable, You must
include the Crime/Loss Property Reference (as appropriate)
and a copy of the Police Report.
2. You must provide Proof Of Purchase for Your Mobile Phone.
3. In order to claim for Unauthorised Calls incurred on an
airtime contract You must provide the Mobile Phone bill(s)
which covers the period of the Unauthorised Calls, and the
bill(s) for the month prior to the Unauthorised Calls.
4. In order to claim for Unauthorised Calls or loss of call credit
on a pay-as-you-go mobile phone You must provide proof
of Your outstanding call credit from Your airtime provider,
or proof of Your last three top-ups to Your Mobile Phone.
In respect of a claim for loss of call credit on a pay-as-yougo
mobile phone that cannot be transferred to Your new
pay-as-you-go phone, You must provide a letter from Your
airtime provider to confirm they will not transfer the credit.
5. You must return Your damaged Mobile Phone to Us for
inspection before Your claim is assessed. You must send
Your Mobile Phone by secure means, as described in the
claim documentation. The Mobile Phone remains Your
responsibility until We have received it.
Key information
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