MyDigiPlan Policy Information

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MYDIGIPLAN SATELLITE TELEVISION EQUIPMENT PROTECTION POLICY

Introduction

Thank You for choosing MyCoverPlan Insurance Services Limited to supply Your Extended Warranty and Accidental Damage cover. We hope that Your Product will be trouble free, however should it fail during the Policy Period please follow the claims procedure detailed in Your policy.

MyCoverPlan Insurance Services Limited is an appointed representative of MB&G Insurance Services Ltd which is authorised and regulated by the Financial Conduct Authority (FCA), ref 306978.

MyCoverPlan Insurance Services Limited is registered in England and Wales, Company No. 07230612. Registered Address: MB&G, Cobalt Business Exchange, Cobalt Park Way, Newcastle, NE28 9NZ.

MAINTAINING COVER UNDER YOUR MONTHLY POLICY

Where You have selected to pay Your premiums by monthly Direct Debit the Administrator will collect Your Monthly Premium Payment for the policy by Direct Debit from Your bank account on an agreed date of each month and, subject to the successful collection of that Monthly Premium Payment, We will provide the cover detailed in this policy wording for the month in which the premium has been collected.

This insurance commences on the date shown on Your Schedule and continues by periods of one month upon receipt of Your Monthly Premium Payment. This insurance does not have a specified end date and cover will continue until either You or We cancel the policy. However, should You fail to make a payment in any month, the Administrator will notify You in writing at the address recorded on the policy Schedule and Your cover will cease 30 days from the date the last Monthly Premium Payment was received by the Administrator.

DEFINITIONS

The words or expressions detailed below have the following meaning wherever they appear in this policy in bold with a capital letter.

Accidental Damage – A sudden and accidental event resulting in the failure of any component of the Product which prevents normal operation and requires repair or replacement before normal operation can be resumed.

Administrator – MyCoverPlan Insurance Services Limited .

Call Out – The attendance of an engineer to Your Home during normal working hours (9am – 5pm Monday to Sunday).

Claim Limit – Your policy provides unlimited claims nominally up to the original purchase price of the Product in aggregate.

Deferment Period – The first 28 days from the commencement date of Your policy.

Home – The property situated in the United Kingdom, Channel Islands or Isle of Man, detailed on Your Schedule

Insured / You / Your – The person named on the policy Schedule.

Mechanical / Electrical Breakdown – The actual and sudden mechanical / electrical failure or breakdown which results in the sudden stoppage of the Product normal functions and which necessitates repair to resume those functions. Failure or breakdown that ultimately results from wear and tear is excluded from the scope of cover afforded by this policy.

Policy Period – The duration period noted on Your policy Schedule.

Product – Items of satellite equipment as detailed on the Schedule used in a domestic environment Cover only extends to the Product detailed on Your policy Schedule.

Schedule – Contains details of You and the Product the subject of this insurance.

We / Our / Us / Insurer – UK General Insurance Limited on behalf of Ageas Insurance Limited.

CONTRACT OF INSURANCE

In consideration of the You being accepted for cover, We agree to indemnify the You up to the Claim Limit detailed herein, subject to the definitions, conditions, exclusions and periods contained herein.

Your policy has been arranged by MyCoverPlan Insurance Services Limited  with UK General Insurance Limited on behalf of Ageas Insurance Limited, Registered in England No.354568. Registered Office: Ageas House, Hampshire Corporate Park, Templars Way, Eastleigh, Hampshire SO53.

MyCoverPlan Insurance Services Limited is an appointed representative of MB&G Insurance Services Ltd.

UK General Insurance Limited is authorised and regulated by the Financial Conduct Authority. Ageas Insurance Limited 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 by visiting the FCA’s website at www.fca.org.uk/firms/systems-reporting/register or by calling the FCA on 0800 111 6768.

WHAT IS COVERED

Your policy provides cover against:

A. Mechanical / Electrical Breakdown of the Product identified on Your policy Schedule; Cover includes parts, labour and Call out charges (inc. VAT) during normal working hours (9am – 5pm Monday to Sunday) subject to the terms, conditions and exclusions of Your policy.

B. Accidental Damage.

Your policy provides cover against Accidental Damage to the Products identified on Your policy Schedule. Cover includes parts, labour and Call out charges (inc. VAT) during normal working hours (9am – 5pm Monday to Friday) subject to the terms, conditions and exclusions of Your policy.

Please note cover is not provided under “What is Covered” Section A or B during the Deferment Period of Your policy.

WHAT IS PROVIDED

A: Once payment has been debited from Your account We will arrange for Your policy documentation to arrive promptly. You will need to check the policy does meet Your needs and keep the policy document in a safe place in case You need to refer to it.  The Product shall be subject to the conditions set out below.

B: Your policy relates to the Product which You have indicated You wish to be covered for.

C: In return for Your payments set out in the confirmation We will repair or replace the Product. This pre-payment is for services to be rendered in a response to a possible future contingency.

D: Customer Services: We will provide a telephone helpline offering You help and assistance. The number is 0800 028 6665. Office hours are Monday to Friday 9am to 7pm, and 9am to 1pm Saturday. We aim to offer You Our next day service. Please allow up to 3 working days for service response to accommodate unforeseen circumstances.

E: In the event that Your Product or any part of it suffers a Mechanical / Electrical Breakdown, You must inform Us straight away on 0800 028 6665.  We will arrange for Our representative engineers to attend at Your Home as soon as is mutually convenient.

F: We will carry out repairs or replacements (as Our contracted engineers deem reasonable) to the Product. In the event of a replacement being necessary, the replacement Product may be reconditioned.

What is not covered

Repairs or replacements of the Product will not be provided if the Product is still covered by any manufacturer’s, supplier’s or repairer’s warranty or arise from or in the event of:

A: The Product being recalled by any supplier or manufacturer, due to a generic manufacturer defect or any other reason;

B: Any unauthorised modification of the Product including (without limitation) any upgrade not authorised by the person who supplied it to You or addition of any accessories not approved by the manufacturer;

C: Your failure to follow any operating instructions in relation to the Product;

D: Use of the Product in a non-domestic or commercial environment;

E: Where any damage to the Product has been caused by theft or attempted theft;

F: No fault being found with Your Product;

G: Routine maintenance, cleaning and servicing of the Product, supplies or services to Your Home;

H: Cosmetic damage such as damage to paintwork or dents or scratches to the Product;

I: Replacement of any consumable or auxiliary items e.g. batteries or any accessories or peripherals that were not part of the original Product offering at the time of purchase;

J: Damage to interactive or viewing cards. (Please refer to supplier);

K: The Product not having being properly installed by installers authorised by the supplier;

L: Any claim occurring within the Deferment Period;

M: Damage or loss to programmes saved to the hard drive of a Satellite box;

N: Damage to components of integrated digital televisions;

O: Damage to any part of the Product that is not fully owned by You such as a communal dish or distribution system;

P: Costs associated with the initial set up;

Q: Claims for rectifying maladjustment or incorrect configuration of setting of manual controls;

R: Faults known to You before commencement of cover under Your Policy;

S: Claims arising as result of normal wear & tear;

T: Any other costs that are directly or indirectly caused by the event which led to Your claim unless specifically stated in this policy;

U: Deliberate or malicious damage or neglect of the Product.

General Conditions

Claims are only valid where authority has been issued by the Administrator or their appointed engineer.

1) The Administrator will make reasonable attempts to obtain a suitable engineer, provided that provision of service is not precluded by:

a) adverse weather conditions;

b) industrial disputes (official or not);

c) failure of the public transport system (including the road network) and repair thereto;

d) schedule of Engineer coverage based on geographical locations;

e) other circumstances preventing access to Your Home or otherwise making provision of cover impractical.

2) We shall be entitled to:

a) decline cover if, in Our opinion, Your Home or services have not been maintained in a safe or serviceable condition;

b) decide on the most appropriate means of providing cover, although We will take Your wishes into account whenever possible;

c) Your assistance in carrying out such extensive diagnostic tests via the telephone as We see necessary to resolve any problems before We arrange an engineer Call Out.

3) You may be responsible for any Call Out charges if having requested assistance You are not at Home when the engineer arrives.

4) We will arrange to supply and fit replacement parts or components where required and covered under Your policy. If You request any additional work or replacement parts, You will be responsible for the additional cost.  We are not responsible for any inconvenience, loss or damage caused by delay in the supply of spare parts or components by manufacturers or their suppliers or agents.

5) 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.

6) You are required by the provisions of the Consumer Insurance (Disclosure and Representations) Act 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.

7) If You move address, You must inform the Administrator in writing or by phone.

8) Where the Insurer deems the Product to be beyond economical repair or makes financial settlement in lieu of repair all benefits under this policy will cease.

9) This insurance is automatically cancelled if You submit a claim knowing it to be false, fraudulent or a misrepresentation.

Provision of Services

We reserve the right to delay or suspend the provision of any of the services We have agreed to supply to You until We have been paid by You in full and in cleared funds all sums due and owing to Us under this agreement.

CLAIMS PROCEDURE 

It is vital in the event of a claim that You contact the Administrator by telephone on 0800 028 6665. Please provide the Administrator with as much information about what has happened as soon as possible, so they can give advice and arrange for the Claims Administrator to contact You. Before registering a claim please ensure that You have suitable freeview coverage by visiting www.freeview.co.uk/home

Please have Your policy number and details of the Product with You at the time of reporting the fault.

UK General Insurance Limited are an insurer’s agent and in the matters of a claim act on behalf of the Insurer.

CANCELLATION 

We hope You are happy with the cover this policy provides. However, if after reading this policy, this insurance does not meet Your requirements, please return it to the Administrator within 14 days of issue and We will refund Your premium. After the 14 day cooling off period, You may cancel Your policy at anytime and receive a pro – rata refund of the cost of Your policy for each full calendar month remaining subject to no claims being logged against the policy.

You will not receive any refund of premium if You have used Our services at any time.

Upon receipt of Your written request We will arrange the cancellation of Your cover. Refunds will be paid to You by cheque and posted out to You within 7-10 working days.

The Insurer 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) Fraud

b) Non-payment of premium

c) Threatening and abusive behaviour

d) Non-compliance with policy terms and conditions

Provided the premium has been paid in full You will be entitled to a proportionate rebate of premium in respect of the unexpired period showing on the insurance.

OUR PROMISE OF SERVICE 

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 Managing Director of the Administrator. The contact details are:

The Customer Service Manager, MyCoverPlan Insurance Services Limited , MB&G, Cobalt Business Exchange, Cobalt Park Way, Newcastle, NE28 9NZ, Tel: 0191 258 8169.

In all correspondence please state Your policy number and quote scheme ref 05346.

 

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

 

The Customer Relations Manager,
UK General Insurance limited,
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 and have an annual turnover of less than €2 million 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: 0845 080 1800.

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.

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

DATA PROTECTION ACT (1998)

Please note that any information provided to Us will be processed by Us and Our agents in compliance with the 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.