MyTVPlan Policy Information

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Thank You for choosing MyCoverPlan Insurance Services Limited to supply Your policy.  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.


Where You have opted to pay Your payment by direct debit, the Administrator will collect Your payment from Your bank account on an agreed date and subject to the successful collection of Your payment, We will provide the cover detailed in this policy wording. Cover will automatically continue until either You or We cancel the policy. Where You have opted to pay by annual direct debit, the Administrator will aim to write to You four (4) weeks prior to the end date of Your policy to confirm their intention to renew Your policy.

Should You not wish to renew Your policy You must follow the cancellation process within the notification of renewal letter or as detailed under the Cancellation Section of Your Policy.

The Administrator is not obliged to offer renewal of Your policy and may cancel Your policy in line with the Cancellation Section.

Where Your policy is renewed, We will remove any excess period from Your renewal policy.

Should You fail to make a payment when due We will make a second attempt to make collection of Your direct debit, should We be unable to collect Your direct debit We will cancel Your policy and cover will cease from the date the payment should have been made.


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

Administrator – Refer to MyCoverPlan Insurance Services Limited for queries relating to the issue of Your policy / policy amendments and to report details of any claim.

Beyond Economic Repair – referred to as BER, where the Administrator declares the Product uneconomical to repair.

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

Claims Administrator – MB&G Insurance Services Limited, Cobalt Business Exchange, Cobalt Park Way, Newcastle, NE28 9NZ.

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

Consequential Loss – Any other costs which are directly or indirectly caused by the event which led to Your claim unless specifically stated in the policy.

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:

1. results in the sudden stoppage of the Product normal functions and

2. 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 (Monthly) – This insurance commences on the date shown on your policy Schedule, your policy is renewed every month upon receipt of your monthly premium. This insurance does not have a specified end date and renewals and cover will continue until either You or We cancel the policy, subject to payment of premiums.

Policy Period (Annual) – This insurance commences and expires on the dates shown on your policy Schedule, subject to payment of the premium.

Product – The television detailed on the Schedule.

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

We / Our / Us / Insurer – UK General Insurance Ltd on behalf of Great Lakes Reinsurance (UK) SE.

In consideration of the Product being accepted for cover, We agree to indemnify the Insured up to the Claim Limit detailed herein, subject always 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 Great Lakes Reinsurance (UK) SE, Registered in England No. SE000083. Registered Office: Plantation Place 30 Fenchurch Street, London, EC3M 3AJ.

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. Great Lakes Reinsurance (UK) SE 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 or by calling the FCA on 0800 111 6768.


Your policy provides cover against 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 Friday) subject to the terms, conditions and exclusions of Your policy.

Please note cover is not provided under “What is Covered” section during the Deferment Period of Your policy.

Where you have taken out an annual policy and the Product is under 6 years of age at the time of purchase of Your policy and is declared BER, We will replace the Product with a product of similar specification and functionality.

Where you have taken out a monthly policy and the Product is under 6 years of age at the time of the monthly renewal of Your monthly policy and is declared BER, We will replace the Product with a product of similar specification and functionality.

We reserve the right to make settlement of any claim resulting in replacement of the Product in cash or by voucher.


The following are specifically excluded from the cover provided by Your policy:


A. Where the Product is over 8 years of age at the time of purchase/renewal of the policy;

B. Call Out charges where a fault cannot be found with the Product;

C. Any claim within the Deferment Period of Your policy;

D. Consumable or auxiliary items e.g. 3D glasses, batteries, SCART / HDMI leads or cables or non-standard remote controls or any accessories or peripherals not shown on the Schedule;

E. Use of the Product by anyone other than You or a member of Your household;

F. Failure to comply with the manufacturers instructions for the care of the Product;

G. A Product installed in a commercial environment or where the level of use is deemed beyond normal domestic use;

H. A Product that does not meet the current electrical regulations in force at the time;

I. Costs not authorised by the Administrator or its appointed engineers;

J. Costs associated with the initial setup including but not limited to faults on freeview due to poor signal strength;

K. Deliberate or malicious damage or neglect of the Product;

L. Claims for rectifying maladjustment or incorrect configuration or setting of manual controls;

M. Any cost arising from the change from analogue to digital broadcasting including the termination of analogue transmissions of any type;

N. Faults known to You before commencement of cover under Your policy;

O. Work, which relates to a manufacturer recall;

P. Repair to or damage of a cosmetic nature caused by but limited to denting, scratching, chipping, staining, and rust or corrosion;

Q. Routine maintenance of the Product, supplies or service in Your Home;

R. The replacement of the Product where it is declared BER and was over 6 years of age at the time of inception of an annually-paid policy or at each monthly renewal of a monthly-paid policy;

S. Claims arising from the interruption, failure, disconnection or power surge in the power supply to Your Home however caused or due to inadequate ventilation of the Product;

T. Claims arising as a result of normal wear and tear (e.g. screen burn, fuses, batteries etc);

U. Failure of satellite cable or Freeview equipment connected to the Product;

V. Consequential Loss of any type e.g. cost associated to a third party satellite or finance provider due to the failure of the Product.

The VAT element of any claim where the Insured is VAT registered.


It is vital in the event of a claim that You contact the Claims Administrator, MB&G Insurance Services Limited, by telephone on 0191 258 8129.  Please provide the Claims Administrator with as much information about what has happened as soon as possible. Before registering a claim please ensure that You have checked all leads and power supply and have suitable analogue, Freeview or satellite service.

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 insurers’ agent and in the matters of a claim act on behalf of the Insurer.


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 suitable tradesman, 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) 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) settle any claim on a proportionate basis if You have any other insurance covering the same loss or damage;

d) 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 will be responsible for any Call Out charges if having requested   assistance You are not at Home when the tradesman arrives or a fault cannot be found with the Product.

4. If the cost of Your claim exceeds the cover provided by this policy, You will be required to pay any additional costs direct to the tradesman at the time they attend.

5. We will arrange to supply and fit replacement parts or components where required and covered under Your policy. If You request any addition 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.

6. In the event that the parts for a Product are no longer available, or the Product is BER, We will base Our settlement on the replacement cost of a product of similar specification and functionality at the time of the Mechanical / Electrical Breakdown.

7. 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.

8. If You or anyone else claiming under this policy makes a claim that is false or dishonest in any way, Your policy will not be valid and You will lose all benefits under this policy.

9. If You move address then You must inform the Administrator in writing or by phone.

10. Where the Insurer deems the Product to be BER or makes financial settlement in lieu of repair all benefits under this policy will cease.

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

12. 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.CANCELLATION 

We hope You are happy with the cover this policy provides. However, if after reading this policy, this insurance does not meet with 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 any time 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 the 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 & conditions

Provided the premium has been paid in full and providing there have been no claims under the policy You shall be entitled to a proportionate rebate of premium in respect of the unexpired period showing on the insurance.


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 8129.

If Your complaint is regarding the handling of a claim, please contact the Claims Administrator:

MB&G Insurance Services Limited
Cobalt Business Exchange,
Cobalt Park Way,
NE28 9NZ
Tel: 0191 258 8129

In all correspondence please state that Your insurance is provided by UK General Insurance Ltd and quote scheme reference 05449A.

If Your complaint cannot be resolved by the end of the next working day, it will be passed to:

Customer Relations Department, UK General Insurance Ltd, Cast House, Old Mill Business Park, Gibraltar Island Road, Leeds, LS10 1RJ.   Tel: 0845 218 2685

Email: customer

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 Tel: 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.


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


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.