The Gadget(s) covered by this insurance policy is / are as per the attached continuation schedule, in accordance with the details lodged with us.

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1 GADGET INSURANCE POLICY Arranged by Police Mutual which is a trading name of PMGI Ltd who are authorised and regulated by the Financial Conduct Authority (FCA Registration number ). Schedule Policy Number MP 001 Policy Holder Bedfordshire Police Federation Period of Insurance Start Date: Expiry Date: Insured Persons 01 October December 2016 (both dates inclusive) Serving officers or police staff who are subscribing members of the Bedfordshire Police Federation Group Insurance Scheme. The Gadget(s) covered by this insurance policy is / are as per the attached continuation schedule, in accordance with the details lodged with us. The Insurer for this product is: UK General Insurance Ltd on behalf of: Ageas Insurance Limited, Registered in England No Registered Office: Ageas House, Hampshire Corporate Park, Templars Way, Eastleigh, Hampshire, SO53 3YA. UK General Insurance Ltd 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. FF1321 (0915) 1

2 Welcome to your Police Mutual Gadget Insurance policy. Your insurance documents This policy document provides details of the cover provided including the limitations and exclusions, and what to do if you need to make a claim. It is important that you read this policy document carefully so you can be sure of the cover provided and to check that it meets your needs. Please keep all your insurance documents together in a safe place - you will need them if you have to make a claim. Understanding the cover Some words and phrases in this policy document will always have the same meaning wherever they appear. To make them easier to recognise when they are being used, we will show them in bold type. They are called Definitions and are listed in the Definitions section on pages 2 and 3 of this policy booklet. All insurance documents and all communications from us about this policy will be in easy to understand English. No language other than English will be used. The insurer This insurance is arranged by Police Mutual with UK General Insurance Ltd on behalf of Ageas Insurance Limited, Registered in England No Registered Office: Ageas House, Hampshire Corporate Park, Templars Way, Eastleigh, Hampshire SO53 3YA. UK General Insurance Ltd 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 at or by calling them on Definitions Accidental Damage The unintentional and unforeseen failure, breakage or destruction of your gadget, with visible evidence of an external force being applied and which results in the gadget being unusable. Excess 50 - the amount you have to pay in respect of each separate claim. Gadget Either a mobile phone or tablet, details of which have been lodged with us. Loss Where the gadget has been accidentally left by you in a location and you are permanently deprived of its use. FF1321 (0915) 2

3 Mechanical Breakdown The failure of any electrical or mechanical component in your gadget due to a sudden and unforeseen fault, which causes your gadget to stop working in the way the manufacturer intended and which requires repair or replacement before the gadget can be used again. Period of Insurance The period for which the insurance is provided under this policy, as set out in the schedule. Proof of Purchase An original receipt and any other documentation required to prove your gadget was purchased from a UK VAT registered company and that it is owned by you including the date of purchase, make, model, IMEI number of your gadget, where applicable. Reasonable Precautions All measures that would be deemed appropriate to expect a person to take in the circumstances in order to prevent loss, accidental damage or theft of the gadget. Replacement Item An identical gadget of the same age and condition, or if not available, one of comparable specification or the equivalent value taking into account the age and condition of the original gadget. Terrorism Any act or acts, including (but not limited to) the use or threat of force and/or violence, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organisation(s) or government(s), committed for political, religious, ideological or similar purposes or reasons including the intention to influence any government and/or to put the public, or any section of the public, in fear. Theft The unlawful taking of your gadget against your will by another party, with the intent to permanently deprive you of that gadget. Start Date The start date shown in the policy schedule Unattended Not within your sight at all times and out of your arms-length reach. We/us/our UK General Insurance Ltd on behalf of Ageas Insurance Limited You/your The person named on your policy schedule as the Insured. Cover and Benefits We will pay up to 750 in the event of loss of or damage to your gadget due to any of the following occurring during the period of insurance: i) Loss we will replace your gadget with a replacement item if it is lost. Where only part or parts of the gadget have been lost, we will only replace that part or parts. ii) Theft we will replace your gadget with replacement item if it is stolen. Where only part or parts of the gadget have been stolen, we will only replace that part or parts. iii) Accidental Damage we will pay the costs of repairing your gadget as a result of accidental damage. If we are unable to economically repair your gadget then, at our discretion, a replacement item will be provided by us. iv) Mechanical Breakdown - If a mechanical breakdown of your gadget occurs outside of the manufacturer s guarantee or warranty, we will pay the repair costs. If we are unable to economically repair your gadget then, at our discretion, a replacement item will be provided by us. FF1321 (0915) 3

4 Special Conditions a) Gadgets must be less than 24 months old and in full working order at the time cover is originally incepted. b) Details of the gadget must be lodged with us. c) We will not provide more than one replacement gadget in any one Period of Insurance d) If at the time of any theft, loss, accidental damage or mechanical breakdown, there is any other insurance covering the same loss or damage we will not pay more than our share of such loss or damage. e) You must provide us with any receipts, proof of purchase or documents to support your claim that are reasonable for us to request. All proof of purchase should include the make, model and IMEI number of the gadget and must be in your name. If we do not receive the documents we have requested from you or if any documents submitted by you are not acceptable to us, it may delay your claim or we may decline to pay your claim. f) In the event of an incident that may give rise to a claim you must: i) Notify Police Mutual as soon as possible after the incident; ii) Report the theft or accidental loss of any gadget to the Police within 24 hours of discovery and obtain a crime reference number in support of a theft claim or a lost property number in support of an accidental loss claim; iii) iv) Report the theft or accidental loss of any mobile phone, within 24 hours of discovery to your Airtime Provider and blacklist your handset. If we replace your gadget the ownership of the damaged or stolen item is transferred to us once you have received the replacement item we have supplied. If the gadget you have claimed for is returned or found you must notify us and send it to us if we ask you to; Before your claim can be approved, you must pay the 50 excess. Exclusions These exclusions apply in addition to those listed in the General Exclusions section on page 4 of this policy document. We will not pay: a) the excess; b) for more than three claims in any single period of insurance; c) for loss where the gadget has been left unattended when it is away from your home; d) for loss where reasonable precautions have not been taken; e) for loss unless it has been reported to the police within 24 hours of discovery and a crime reference number or lost property number has been obtained; f) for loss of your SIM card or the theft or accidental loss of your gadget if a SIM card registered to you was not in your gadget at the time of the incident; g) for theft where the gadget has been left unattended unless the theft is from your normal place of residence or a vehicle; h) for theft from your normal place of residence, premises, building, land or vehicle unless force, resulting in damage to your normal place of residence, premises, building, land or vehicle was used to gain entry or exit; i) for theft from an unattended vehicle other than from a locked and concealed boot or luggage compartment or closed glove box of a securely locked vehicle which has been broken into by the use of force and violence; j) for theft unless it has been reported to the police within 24 hours of discovery and a crime reference number has been obtained; k) for accidental damage or mechanical breakdown as a result of the failure on your part to follow the manufacturers instructions; l) non-structural damage, such as scratches and dents, which do not affect the normal operation of them; m) Any claim for a gadget or iphone which has not been used for its core purpose since the start date of your policy, or since it was added to your policy, as verified by your airtime provider; n) for theft, accidental damage or mechanical breakdown caused by your deliberate act or neglect; o) for theft, accidental damage or mechanical breakdown caused by wear and tear or other gradually operating causes. FF1321 (0915) 4

5 General Exclusions We will not pay any benefit under this policy for any claims arising from, or contributed to by any of the following: 1. Any event causing loss or damage that would otherwise be covered by this policy, that occurred before the start date. 2. Loss or damage directly or indirectly caused by or in connection with any war, act of Terrorism, invasion, acts of foreign enemy, hostilities (whether war be declared or not) civil war, rebellion, revolution, insurrection or military or usurped power. 3. Any loss or damage or expenses whatsoever caused by, contributed to or arising from Ionising radiation or contamination by radioactivity from any irradiated nuclear waste from the combustion of nuclear fuel. The radioactive toxic explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof. Pressure waves caused by aircraft and other aerial devices travelling at sonic or supersonic speeds Pollution or contamination. General Conditions Fraud If any claim under this policy is in any respect fraudulent or if any fraudulent means, including submission of falsified documents are used to obtain benefit by you or anyone acting on your behalf, all benefit under this policy shall be forfeited. Consumer Insurance Act 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. Governing Law 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. Observing the policy terms and conditions We will not be liable to make any payment under this policy if you or your legal representative do not observe and fulfil all the policy terms and conditions. Customer Service and Complaints Making a Claim In the event of any incident which may give rise to a claim, you must notify Police Mutual within 30 days of the incident or as soon after the incident as possible; they can be contacted at: Police Mutual 3 Meridian Office Park, Osborn Way, Hook, Hampshire RG27 9HY Telephone: They will give you all the advice you need including what information they require from you in order to progress the claim. FF1321 (0915) 5

6 UK General Insurance Ltd are the insurers agent and in matters of a claim act on behalf of the insurer. Making a complaint We are dedicated to providing you with a high quality service at all times. If you feel that you have not been offered a first class service, please tell us. Every effort will be made to sort out the problem but if you do have any questions or concerns about this insurance or the handling of a claim you should follow the complaints procedure below: Complaints regarding: THE SALE OF A POLICY Please contact: Police Mutual 3 Meridian Office Park, Osborn Way, Hook, Hampshire RG27 9HY Telephone: We aim to resolve your concerns within 24 hours. It is our experience that most difficulties can be resolved that this stage. If your complaint cannot be resolved by the end of the next working day, Police Mutual will pass it to: Customer Relations Department UK General Insurance Limited Cast House Old Mill Business Park Gibraltar Island Road Leeds LS10 1RJ Tel: customerrelations@ukgeneral.co.uk A CLAIM Please contact: Trent-Services (Administration) Ltd, Trent Lodge, Stroud Road, Cirencester, Gloucestershire GL7 6JN Tel: If your complaint cannot be resolved by the end of the next working day, Trent-Services (Administration) will pass it to: Customer Relations Department UK General Insurance Limited Cast House Old Mill Business Park Gibraltar Island Road Leeds LS10 1RJ Tel: 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 2million and fewer than 10 staff. You may contact the Financial Ombudsman Service at: FF1321 (0915) 6

7 The Financial Ombudsman Service, Exchange Tower, Harbour Exchange Square, London, E14 9SR Tel: complaint.info@financial-ombudsman.org.uk Or log on to their website at The Financial Ombudsman Services opening hours are: Monday to Friday 8am to 8pm Saturday - 9am to pm Following the complaints procedure does not affect your right to take legal action. Legal & Regulatory Information Financial Services 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 10 th Floor Beaufort House, 15 St Botolph Street, London EC3A 7QU Tel: The Financial Services Compensation Schemes opening hours are: Monday to Friday am to 5.30pm (excluding public holidays) Data Protection Information you supply may be used for the purposes of insurance administration by the Data Controller (as defined under the Data Protection Act 1998). It may be disclosed to regulatory bodies for the purposes of monitoring and/or enforcing compliance with any regulatory rules/codes. Your information may also be used for crime prevention. For any of these purposes, your information may be transferred to countries that do not have stringent data protection laws. If this is necessary, the Data Controller will seek assurance from that party as to the security surrounding the handling of your information before it proceeds. On payment of the appropriate fee, you have the right to access and if necessary rectify information held about you (this is known as a Subject Access Request). Please contact our Compliance officer, in writing, to exercise these rights. In assessing any claims made, we, Police Mutual, our associated companies or agents may undertake checks against publicly available information (such as electoral roll, county court judgements, bankruptcy or repossessions). Information may also be shared with other insurers either directly or via those acting for us (such as loss adjusters or claims investigators). 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. When your insurance ends all information held about you in relation to this insurance (including information held on systems) will be destroyed or erased after a period of 7 years. The Data Controller s associated companies and agents will be advised to do the same. Personal Data held on customers may be used for research and statistical purposes but only with the explicit consent of the customer would this take place. FF1321 (0915) 7