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Terms and Conditions

fonesure Lite Terms & Conditions

Definitions
1. "We/Us/Our" shall mean Fonesure Limited ("Fonesure")
2. "You/Your" shall mean the private individual or company detailed on the policy schedule
3. "Equipment" shall mean the Mobile Phone or Ipod/MP3 Player and its battery and mains charger as specified on the policy schedule, including any replacement Equipment provided by or loaned to You by Us

The Cover
UK Underwriting Ltd on behalf of Primary Insurance Company Ltd ("the Company") 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 Euros) or repair in respect of accidental damage or liquid damage to the Equipment occurring during the Period of Insurance

Exclusions
The Company shall not be liable for
1. theft howsoever arising including damage resulting from attempted theft
2. repair or replacement arising as a result of negligent use wilful abuse or misuse
3. damage to the battery or aerial or any cosmetic damage
4. the cost of replacing or repairing accessories or costs arising from the use of accessories
5. the cost of routine inspection service adjustment or cleaning
6. damage caused during installation or removal
7. any amount recoverable under any guarantee warranty or other insurance
8. loss of use or consequential loss of any kind
9. repairs carried out by persons not authorised by Us
10. the policy excess as detailed below
11. the cost of replacing any stored data including but not limited to tunes songs personalised ring tones or graphics
12. 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 the Equipment
3. Details of any replacement Equipment (IMEI/serial number) must be advised to Fonesure with proof of purchase in writing or by e-mail to Fonesure (enquiries@fonesure.ie)
4. Cover under this Insurance Policy is subject to the payment of the premium such premium being non-refundable after the insurance cover has commenced
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 37.5 Euros of each and every claim

Claims Procedure
In the event of a claim You must
a. advise Fonesure by telephone as soon as possible and in any event within 48 hours on the claims hotline number 1890 930 333
b. provide at Your own expense all details and evidence as may be reasonably required
UK Underwriting Limited are an agent of the Insurer and in claims matters act on behalf of the Insurer

Territorial Limits
The Republic of Ireland Northern Ireland Great Britain Isle of Man or The Channel Islands and up to 30 days during any one calendar year elsewhere in the World.

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 upon receipt of Your monthly premium

Customer Service Information

Complaints
In the event of a complaint arising under this Insurance you should in the first instance write to:-

The Scheme Administrator
fonesure Limited
Suite 7
Chalkwell Lawns
648 - 656 London Road
Westcliff On Sea
Essex
SS0 9HR
United Kingdom

If the matter remains unresolved thereafter you can then write to the Insurers at:

Head of Claims
UK Underwriting Limited
2 Gibraltar House
Bowcliffe Road
Leeds LS10 1RJ

quoting the Policy number and where the insurance was purchased Finally if the matter still remains unresolved once all the above have been contacted You can then approach:-

The Insurance Ombudsman of Ireland
32 Upper Merrion Street
Dublin 2
Ireland


Law applicable to the contract
This contract shall be governed by the laws of Ireland

Data Protection
The data supplied by You will be used 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 Fonesure or any associated company to contact You from time to time in order to notify You of other goods and services offered If You do not consent to such use of Your personal data please email us at enquiries@fonsure.ie
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 to inspect the personal data which we are holding about You If You wish to make such an inspection You should contact:

fonesure Limited
Suite 7
Chalkwell Lawns
648 - 656 London Road
Westcliff On Sea
Essex
SS0 9HR
United Kingdom

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

Stamp Duty
Stamp Duty has been or will be paid in accordance with the provisions of S.113 of the Finance Act 1990 (as amended)
All monies which become payable by Us under this insurance shall in accordance with section 93 of the Insurance Act 1936 be paid in the Republic of Ireland

fonesure Standard Terms & Conditions

Definitions
1. "We/Us/Our" shall mean Fonesure Limited ("Fonesure")
2. "You/Your" shall mean the private individual or company detailed on the policy schedule
3. "Equipment" shall mean the Mobile Phone or Ipod/MP3 Player and its battery and mains charger as specified on the policy schedule, including any replacement Equipment provided by or loaned to You by Us
4. "Unattended" shall mean not within your sight at all times and/or out of your arms-length reach

The Cover
UK Underwriting Ltd on behalf of Primary Insurance Company Ltd ("the Company") 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 450 Euros) or repair in respect of accidental damage, liquid damage or theft of the Equipment occurring during the Period of Insurance

Exclusions
The Company 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. damage caused during installation or removal
10. any amount recoverable under any guarantee warranty or other insurance
11. loss of the Equipment, loss of use or consequential loss of any kind
12. repairs carried out by persons not authorised by Us
13. the policy excess as detailed below
14. the cost of replacing any stored data including but not limited to tunes songs personalised ring tones or graphics
15. 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 Equipment (IMEI/serial number) must be advised to Fonesure Ltd with proof of purchase in writing or by e-mail to Fonesure (enquiries@fonesure.ie)
4. Cover under this Insurance Policy is subject to the payment of the premium by direct debit, such premium being non-refundable after the insurance cover has commenced
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 37.5 Euros of your first claim increasing to 75 Euros for any subsequent claims
You will be responsible for the first 75 Euros of your first and subsequent claims for 3G handsets

Claims Procedure
In the event of a claim You must
a. advise the Garda Siochana or local police authority 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 Fonesure by telephone as soon as possible and in any event
within 48 hours on the claims hotline number 1890 930 333
c. provide at Your own expense all details and evidence as may be reasonably required
d. notify the appropriate air time provider within 12 hours of discovery
Vodafone 1907 02 1850 601747
3 083 333 3333 Meteor 1905

UK Underwriting Limited are an agent of the Insurer and in claims matters act on behalf of the Insurer

Territorial Limits
The Republic of Ireland Northern Ireland Great Britain Isle of Man or The Channel Islands and up to 30 days during any one calendar year elsewhere in the World.

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 upon receipt of Your monthly premium

Customer Service Information
Complaints
In the event of a complaint arising under this Insurance you should in the first instance write to:-

The Scheme Administrator
fonesure Limited
Suite 7
Chalkwell Lawns
648 - 656 London Road
Westcliff On Sea
Essex
SS0 9HR
United Kingdom

If the matter remains unresolved thereafter you can then write to the Insurers at:

Head of Claims
UK Underwriting Limited
2 Gibraltar House
Bowcliffe Road
Leeds LS10 1RJ

quoting the Policy number and where the insurance was purchased
Finally if the matter still remains unresolved once all the above have been contacted You can then approach:-

The Insurance Ombudsman of Ireland
32 Upper Merrion Street
Dublin 2
Ireland


Law applicable to the contract
This contract shall be governed by the laws of Ireland

Data Protection
The data supplied by You will be used 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 Fonesure or any associated company to contact You from time to time in order to notify You of other goods and services offered If You do not consent to such use of Your personal data please email us at enquiries@fonsure.ie
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 to inspect the personal data which we are holding about You If You wish to make such an inspection You should contact:

fonesure Limited
Suite 7
Chalkwell Lawns
648 - 656 London Road
Westcliff On Sea
Essex
SS0 9HR
United Kingdom

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

Stamp Duty
Stamp Duty has been or will be paid in accordance with the provisions of S.113 of the Finance Act 1990 (as amended)
All monies which become payable by Us under this insurance shall in accordance with section 93 of the Insurance Act 1936 be paid in the Republic of Ireland


fonesure Plus Terms & Conditions

Definitions
1. "We/Us/Our" shall mean Fonesure Limited ("Fonesure")
2. "You/Your" shall mean the private individual or company detailed on the policy schedule
3. "Equipment" shall mean the Mobile Phone or Ipod / MP3 player and its battery and mains charger as specified on the policy schedule, including any replacement Equipment provided by or loaned to You by Us
4. "Unattended" shall mean not within your sight at all times and/or out of your arms-length reach


The Cover
UK Underwriting Ltd on behalf of Primary Insurance Company Ltd ("the Company") 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 Euros) or repair in respect of accidental damage, liquid damage, electrical or mechanical breakdown or theft of the Equipment occurring during the Period of Insurance

Exclusions
The Company 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. damage caused during installation or removal
10. any amount recoverable under any guarantee warranty or other insurance
11. loss of the Equipment, loss of use or consequential loss of any kind
12. repairs carried out by persons not authorised by Us
13. the policy excess as detailed below
14. mechanical breakdown caused by objects or substances not normally associated with the product such as sand or water
15. the cost of replacing any stored data including but not limited to tunes songs personalised ring tones or graphics
16. 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 Equipment (IMEI/serial number) must be advised to Fonesure Ltd with proof of purchase in writing or by e-mail to Fonesure (enquiries@fonesure.ie).
4. Cover under this Insurance Policy is subject to the payment of the premium by direct debit, such premium being non-refundable after the insurance cover has commenced
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 37.5 Euros of each and every claim

Claims Procedure
In the event of a claim You must
a. advise the Garda Siochana or local police authority 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 Fonesure by telephone as soon as possible and in any event
within 48 hours on the claims hotline number 1890 930 333
c. provide at Your own expense all details and evidence as may be reasonably required
d. notify the appropriate air time provider within 12 hours of discovery
Vodafone 1907 02 1850 601747
3 083 333 3333 Meteor 1905

UK Underwriting Limited are an agent of the Insurer and in claims matters act on behalf of the Insurer

Territorial Limits
The Republic of Ireland Northern Ireland Great Britain Isle of Man or The Channel Islands and up to 30 days during any one calendar year elsewhere in the World.

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 upon receipt of Your monthly premium

Customer Service Information
Complaints
In the event of a complaint arising under this Insurance you should in the first instance write to:-

The Scheme Administrator
fonesure Limited
Suite 7
Chalkwell Lawns
648 - 656 London Road
Westcliff On Sea
Essex
SS0 9HR
United Kingdom

If the matter remains unresolved thereafter you can then write to the Insurers at:

Head of Claims
UK Underwriting Limited
2 Gibraltar House
Bowcliffe Road
Leeds LS10 1RJ

quoting the Policy number and where the insurance was purchased
Finally if the matter still remains unresolved once all the above have been contacted You can then approach:-

The Insurance Ombudsman of Ireland
32 Upper Merrion Street
Dublin 2
Ireland


Law applicable to the contract
This contract shall be governed by the laws of Ireland

Data Protection
The data supplied by You will be used 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 Fonesure or any associated company to contact You from time to time in order to notify You of other goods and services offered If You do not consent to such use of Your personal data please email us at enquiries@fonsure.ie
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 to inspect the personal data which we are holding about You If You wish to make such an inspection You should contact:

fonesure Limited
Suite 7
Chalkwell Lawns
648 - 656 London Road
Westcliff On Sea
Essex
SS0 9HR
United Kingdom

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

Stamp Duty
Stamp Duty has been or will be paid in accordance with the provisions of S.113 of the Finance Act 1990 (as amended)
All monies which become payable by Us under this insurance shall in accordance with section 93 of the Insurance Act 1936 be paid in the Republic of Ireland

fonesure Premium Terms & Conditions

Definitions
1. "We/Us/Our" shall mean Fonesure Limited ("Fonesure")
2. "You/Your" shall mean the private individual or company detailed on the policy schedule
3. "Equipment" shall mean the Mobile Phone or Ipod/MP3 Player and its battery and mains charger as specified on the policy schedule, including any replacement Equipment provided by or loaned to You by Us
4. "Unattended" shall mean not within your sight at all times and/or out of your arms-length reach

The Cover
UK Underwriting Ltd on behalf of Primary Insurance Company Ltd ("the Company") 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 Euros) or repair in respect of accidental damage, liquid damage or theft of the Equipment occurring during the Period of Insurance

Exclusions
The Company 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. damage caused during installation or removal
10. any amount recoverable under any guarantee warranty or other insurance
11. loss of the Equipment, loss of use or consequential loss of any kind
12. repairs carried out by persons not authorised by Us
13. the policy excess as detailed below
14. the cost of replacing any stored data including but not limited to tunes songs personalised ring tones or graphics
15. 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 Equipment (IMEI/serial number) must be advised to Fonesure Ltd with proof of purchase in writing or by e-mail to Fonesure (enquiries@fonesure.ie)
4. Cover under this Insurance Policy is subject to the payment of the premium by direct debit, such premium being non-refundable after the insurance cover has commenced
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 37.5 Euros of your first claim increasing to 75 Euros for any subsequent claims
You will be responsible for the first 75 Euros of your first and subsequent claims for 3G handsets

Claims Procedure
In the event of a claim You must
a. advise the Garda Siochana or local police authority 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 Fonesure by telephone as soon as possible and in any event
within 48 hours on the claims hotline number 1890 930 333
c. provide at Your own expense all details and evidence as may be reasonably required
d. notify the appropriate air time provider within 12 hours of discovery
Vodafone 1907 02 1850 601747
3 083 333 3333 Meteor 1905

UK Underwriting Limited are an agent of the Insurer and in claims matters act on behalf of the Insurer

Territorial Limits
The Republic of Ireland Northern Ireland Great Britain Isle of Man or The Channel Islands and up to 30 days during any one calendar year elsewhere in the World.

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 upon receipt of Your monthly premium

Customer Service Information
Complaints
In the event of a complaint arising under this Insurance you should in the first instance write to:-

The Scheme Administrator
fonesure Limited
Suite 7
Chalkwell Lawns
648 - 656 London Road
Westcliff On Sea
Essex
SS0 9HR
United Kingdom

If the matter remains unresolved thereafter you can then write to the Insurers at:

Head of Claims
UK Underwriting Limited
2 Gibraltar House
Bowcliffe Road
Leeds LS10 1RJ

quoting the Policy number and where the insurance was purchased
Finally if the matter still remains unresolved once all the above have been contacted You can then approach:-

The Insurance Ombudsman of Ireland
32 Upper Merrion Street
Dublin 2
Ireland


Law applicable to the contract
This contract shall be governed by the laws of Ireland

Data Protection
The data supplied by You will only used 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 Fonesure or any associated company to contact You from time to time in order to notify You of other goods and services offered If You do not consent to such use of Your personal data please email us at enquiries@fonsure.ie
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 to inspect the personal data which we are holding about You If You wish to make such an inspection You should contact:

fonesure Limited
Suite 7
Chalkwell Lawns
648 - 656 London Road
Westcliff On Sea
Essex
SS0 9HR
United Kingdom

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

Stamp Duty
Stamp Duty has been or will be paid in accordance with the provisions of S.113 of the Finance Act 1990 (as amended)
All monies which become payable by Us under this insurance shall in accordance with section 93 of the Insurance Act 1936 be paid in the Republic of Ireland