COMBINED FINANCIAL SERVICES GUIDE AND PRODUCT DISCLOSURE STATEMENT TELSTRA PREMIUM CARE MOBILE INSURANCE

Transcription

1 COMBINED FINANCIAL SERVICES GUIDE AND PRODUCT DISCLOSURE STATEMENT TELSTRA PREMIUM CARE MOBILE INSURANCE

2 TELSTRA PREMIUM CARE MOBILE INSURANCE IS ISSUED BY CGU INSURANCE LIMITED ABN AFSL (CGU) THROUGH ITS AUTHORISED REPRESENTATIVE, TELSTRA CORPORATION LIMITED ABN (TELSTRA). This Combined Financial Services Guide and Product Disclosure Statement was prepared on 20/03/2012. CGU is responsible for this Combined FSG and PDS and has authorised its distribution. PRODUCT DISCLOSURE STATEMENT (PDS) About the Insurer and Telstra The insurer of Telstra Premium Care Mobile Insurance is CGU Insurance Limited ABN AFSL (CGU). CGU has authorised Telstra to issue Telstra Premium Care Mobile Insurance and to distribute this Combined FSG and PDS on its behalf. Conditions and exclusions apply to the cover provided. These are set out in the Policy Terms and Conditions below. You should carefully read the Policy Terms and Conditions to understand its terms. Telstra Premium Care Mobile Insurance Tablets and SmartPhones including Apple iphones can only be insured under a Smart Cover policy. For a full list of Mobile Devices covered by the Smart Cover policy, please refer to telstra.com.au/mobile-phones/premium-care-mobile-insurance. Any Mobile Device that is not a Tablet or SmartPhone can be insured under either a Basic Cover or Smart Cover policy. Telstra Premium Care Mobile Insurance is not compulsory. Insurance may be arranged by You with an insurer of Your choice. Terms and conditions of Your policy The full terms, conditions and exclusions applying to Your Telstra Premium Care Mobile Insurance covers are set out in: this PDS, including the Policy Terms and Conditions below; any Supplementary PDS that is given to You; and each bill for Your Telstra Mobile Service Account that includes a monthly insurance charge. Together, these documents make up the terms and conditions of Your insurance policy. All monetary figures in this PDS are in Australian Dollars and inclusive of GST. POLICY TERMS AND CONDITIONS PLEASE READ CAREFULLY CGU agrees to provide insurance protection subject to the terms, conditions and exclusions set out below for an event occurring during the term of insurance where You have paid the required premium. Telstra Premium Care Mobile Insurance is only available to: new Telstra mobile Post-Paid customers who purchased a Telstra approved Mobile Device from Telstra or a Telstra Dealer and can provide proof or purchase of this device via a Telstra bill, invoice or receipt; and existing Telstra mobile Post-Paid customers who purchased an approved Mobile Device from Telstra or a Telstra Dealer where the device is less than 6 months old and proof of purchase of this device can be provided via a Telstra bill, invoice or receipt. Telstra Premium Care - Mobile Insurance is only for approved Mobile Devices on Tesltra Post-Paid plans. Mobile Devices on Telstra Pre-Paid plans, and other devices connected to the Telstra network (eg wireless data cards or embedded laptops) are ineligible for Tesltra Premium Care - Mobile Insurance. If You are eligible for Telstra Premium Care Mobile Insurance and You have chosen to take out a policy, Your Telstra Mobile Service Account will show that You have insurance in place for Your Mobile Device. You must notify Telstra of any changes to Your Mobile Device to ensure Your policy is up to date and You may be required to update Your policy depending on the changes. DEFINITIONS Accessories: Related Mobile Device parts that You own including, but not limited to desk top chargers, AC/DC adaptors, cigarette lighter adaptor, and hands free or booster car kits, batteries or battery packs and consumable parts such as fuses or bulbs. Excess: the amount You pay when You make a claim on Your policy. Mobile Device: means the mobile phone handset or tablet device (and its unique International Mobile Equipment Identity) and Accessories purchased from Telstra or a Telstra Dealer with a corresponding mobile or data plan in use and registered on the Telstra network in Your name. Period of Cover: the period which commences on the day this policy is issued to You and finishes at the end of 12 months from that day, and any subsequent renewal of that period, unless this policy ends the Period of Cover at an earlier time. Premium Instalment: any monthly insurance premium instalment recorded on Your Telstra Mobile Service Account. SmartPhone: defined by an up-to-date list of current models found on the Telstra website telstra.com.au/mobile-phones/ premium-care-mobile-insurance Tablet: defined by an up-to-date list of current models found on the Telstra website telstra.com.au/mobile-phones/premiumcare-mobile-insurance Telstra Dealer: means a third party appointed under a dealership agreement with Telstra to operate a Telstra dealership or Telstra Licensed Shop. Telstra Mobile Service Account: the account for the mobile plan for Your Mobile Device. You or Your: the person or persons or legal owner of the Mobile Device who is named on the Telstra Mobile Service Account. PROTECTION Accidental Loss, Accidental Damage & Theft: Within Australia The Basic Cover and Smart Cover policies cover theft, accidental loss or accidental damage to Your Mobile Device by any unintentional act or unforeseen and uncontrollable event in Your Period of Cover unless expressly excluded from cover (see Exclusions ). Where the act or event occurred within Australia, Your Mobile Device will be repaired or replaced up to the limits set out below but not exceeding the cost to replace the Mobile Device with a similar or equivalent model. ACCIDENTAL LOSS, ACCIDENTAL DAMAGE & THEFT: AUSTRALIA AGE Mobile Device Repair or Replacement BASIC SMART $1000* $2,000* Accessories $50* $100* Cover applies for Accessories only when they are attached to, or part of, the Mobile Device. Cover for Accessories will only be provided as part of a valid claim for the Mobile Device. Accidental Loss, Accidental Damage & Theft: While Overseas The Basic Cover and Smart Cover policies cover theft, accidental loss or accidental damage to Your Mobile Device by any unintentional act or unforeseen and uncontrollable event in Your Period of Cover unless expressly excluded from cover (see Exclusions ). Where the act or event occurred overseas, Your Mobile Device will be repaired or replaced up to the limits set out below but not exceeding the cost to replace the Mobile Device with a similar or equivalent model. B 01

3 Repair or replacement of Your Mobile Device must be arranged via Telstra when You return to Australia. Additionally, when You make a valid claim for theft, accidental loss or accidental damage occurring to Your Mobile Device while You are overseas, You can either choose to: purchase an emergency Mobile Device and be reimbursed up to the limits set out below, or be reimbursed for the cost of hiring an equivalent emergency replacement Mobile Device up to the limits set out below. You cannot do both. ACCIDENTAL LOSS, ACCIDENTAL DAMAGE & THEFT: OVERSEAS AGE Mobile Device Repair or Replacement BASIC SMART $400* $800* Accessories $50* $100* Hire for an equivalent temporary Mobile Device while overseas Purchase of an emergency Mobile Device AND A CHOICE OF EITHER $300* $500* $50* $100* Cover applies for Accessories only when they are attached to, or part of, the Mobile Device. Cover for Accessories will only be provided as part of a valid claim for the Mobile Device. Unauthorised calls/internet connections/data usage You are covered for unauthorised use of Your Mobile Device following theft or loss in the Period of Cover up to the limits set out below. Cover will be provided for the 24 hours prior to notifying Telstra of the theft or loss and Your Telstra Mobile service being suspended and blocked. The amount of cover for unauthorised use will be credited to Your Telstra Mobile Service Account by CGU. UNAUTHORISED CALLS/ INTERNET CONNECTIONS/ DATA USAGE BASIC SMART Limit Up to $400* Up to $800* * Maximum amount claimable under the cover type for any one event covered by this policy. Mechanical/Electronic Breakdown or Failure (for Smart Cover only) Where mechanical/electronic breakdown or failure occurs in the Period of Cover, Your Mobile Device will be repaired or replaced up to the limits set out below but not exceeding the cost to replace the Mobile Device with a similar or equivalent model provided the mechanical/electronic breakdown or failure: occurred in the first 2 years from original purchase, and is not under any manufacturer s voluntary warranty or guarantee or any recall campaign. MECHANICAL/ ELECTRONIC BREAKDOWN OR FAILURE BASIC SMART Limit No cover $2000* * Maximum amount claimable under the cover type for any one event covered by this policy. For the avoidance of doubt, nothing in this PDS is intended to limit or restrict any rights that You may have against the retailer or manufacturer of the Mobile Device under federal competition and consumer law or state fair trading legislation. EXCESSES The excess is Your contribution towards the cost of a claim. You must pay the applicable excess for any claim made on Your policy relating to Your Mobile Device. The limits set out in this policy are inclusive of any applicable excesses. STANDARD EXCESS BASIC SMART Repairs $50 $75 Replacement $100 $150 Tablet and/or SmartPhone Replacement NA $250 An additional excess will be payable on top of the applicable standard excess for any claim made for an incident that occurs within 3 months from the date the policy is first issued to You, or for second and any other subsequent replacement claims for an incident that occurs in the Period of Cover: ADDITIONAL EXCESS BASIC SMART Any claim made for an incident that occurs within 3 months from the date the policy is first issued For the second or subsequent replacement claim made for an incident that occurs in the same Period of Cover CLAIMS $100 $150 $150 $250 What we will pay If Your Mobile Device suffers loss or damage or breakdown that we have agreed to cover, we will, at our option: repair it; or replace it with similar or equivalent model at the time of loss, damage or breakdown. Any replacement Mobile Device that we decide to provide in payment of Your claim will be despatched within 2 business days of us settling a claim with You. Before we can settle any claim, You must pay us any excess applicable to the claim (or at our direction to any third party who repairs or replaces Your Mobile Device). If You are registered for GST purposes and entitled to an input tax credit at claim settlement, any claim payment we pay You will be reduced by an amount equal to Your input tax credit entitlement. How to make a claim Firstly, make sure You have all the information You need to support Your claim. During business hours (Monday to Friday 9am to 5pm AEST and Saturday 9am to 1pm AEST), You can make a claim by calling the Telstra Premium Care Claims Team on Outside of business hours, You can initiate Your claim online at telstra.com.au/mobile-phones/premium-care-mobileinsurance. You may be contacted by the Telstra Premium Care Claims Team for further information and assistance to settle Your claim. 01. Accidental Loss, Theft and Unauthorised Calls or Unauthorised Internet Connections/Data Usage Once You become aware of theft, accidental loss, unauthorised calls or unauthorised internet connections, You must immediately notify Telstra (when You lodge a claim we will block/suspend Your mobile service) and the IMEI number of the Mobile Device must be reported by You to the police immediately. The incident report number in relation to theft or attempted theft, vandalism or a malicious act is required for any claim to be processed. The police will provide You with this number when You report the incident to them. In the event the police do not provide incident report numbers for lost Mobile Devices, You may be required to provide a Statutory Declaration confirming Your Mobile Device has been lost before processing Your claim can begin. Where Your Mobile Device has been lost or stolen overseas, You must wait until You return to Australia to have Your Mobile Device replaced with an equivalent. Under this policy, You are not permitted to purchase an equivalent replacement Mobile Device while You are overseas as it may not be compatible on the Telstra network. However, You can claim to be reimbursed for hiring an equivalent temporary replacement device, or purchasing an emergency Mobile Device, up to the policy limits. Proof in the form of receipts will be required. 02. Accidental Damage and Mechanical/Electrical Breakdown or Failure Where Your Mobile Device has been damaged overseas, You must return to Australia to have Your Mobile Device repaired or replaced with an equivalent. You are not permitted to purchase an equivalent replacement Mobile Device while You are overseas as it may not be compatible on the Telstra Network. However, You can claim to be reimbursed for hiring an equivalent temporary replacement device, or purchasing an emergency Mobile Device, up to the policy limits. Proof in the form of receipts will be required. Claims example These examples show how claims settlements are calculated based upon practical scenarios. Any claim settlement amount will depend upon the facts of each case. Example 1: Your Mobile Device is stolen and $100 worth of unauthorised calls or unauthorised internet connections/data usage made from it in the 24 hours prior to You notifying Telstra. You insured Your SmartPhone under Smart Cover and are entitled to a replacement Mobile Device and are covered for the unauthorised use of the Mobile Device. You are not registered for GST. The cost to replace the Mobile Device is $1,200. The cost of the unauthorised calls or internet connections/data usage is $100. There is an excess of $250 for replacement. Repair or replacement of Your Mobile Device will be arranged up to a cost of $1,200. You will pay the $250 excess before the claim can be finalised. $100 will be credited to Your Telstra Mobile Service Account to cover the unauthorised calls or unauthorised internet connections/data usage. Example 2: Your Mobile Device is less than 24 months old and has stopped working due to electronic breakdown as a result of a power surge. This is not covered by any voluntary manufacturer s warranty or guarantee or any recall campaign. Your Mobile Device is insured under Smart Cover. You are not registered for GST. Under the conditions of Your policy Your Mobile Device is covered for Mechanical/Electrical Breakdown or Failure in this situation. The cost to repair the Mobile Device is $400. There is an excess of $75 for repair. Repair of Your Mobile Device will be arranged on Your behalf. You will pay the $75 excess before the claim can be finalised. WHAT YOU MUST DO You must do the following things. If You do not, we may refuse to pay a claim, reduce the amount that we pay and/or cancel Your policy. You must keep the Mobile Device in a sound state of repair at all times. You must take all reasonable precautions to prevent loss or damage of Your Mobile Device at all times. Cover on Your Mobile Device will cease if You sell it or pass Your interest to another person. To insure replacement equipment, You must notify Telstra Customer Service by calling the number provided at the top of Your Telstra Mobile Service Account. If You make a claim, You provide Telstra authorisation to provide full details of Your Mobile Service account to CGU. Claims must be made within 30 days of the occurrence of any event. Where a claim is settled with a replacement Mobile Device, You pass all rights, title and ownership of the claimed Mobile Device to CGU. If You make a claim, You agree to cooperate fully with the requirements of the claims processes set out in How To Make A Claim and supply any additional information that may be required to settle Your claim. If Your Telstra Mobile Service Account is terminated, Your Telstra Premium Care Mobile Insurance will be automatically cancelled without notice 30 days from the date of termination of Your Telstra Mobile Service Account. If Your Telstra Mobile Service Account has been terminated and You make a claim while Your Telstra Premium Care Mobile Insurance remains active for the 30 day period following such termination, You will need to pay CGU any outstanding or overdue premium charges related to the 30 day period before Your claim is settled. EXCLUSIONS Cover is excluded for any loss or damage incurred as a result of, or caused by: leaving the Mobile Device unattended in a public place or in the open air; leaving the Mobile Device unattended in an unlocked vehicle; software stored within the Mobile Device or any software or electronic virus; fire; atmospheric conditions for example, temperature, dampness, high humidity, steam, rain or condensation; the manufacturer or supplier; the owner failing to take reasonable care; wear and tear or gradual deterioration (including rust, oxidation and corrosion) of the Mobile Device except for claims made under Mechanical/Electronic Breakdown or Failure; marring, scratching or cosmetic damage; improper design or manufacture of the Mobile Device; mechanical breakdown, electronic failure, or electrical short circuit, except for claims made under Mechanical/Electronic Breakdown or Failure ; lawful seizure, including repossession or other operation of law; and any intentional act by You or anyone acting on Your behalf

4 Cover is excluded where: your Mobile Device has been repaired, altered or serviced by anyone other than a person authorised by the manufacturer or CGU; your Mobile Device fails or is damaged as a result of improper storage, operation under abnormal conditions, misuse or maladjustment of controls; your Mobile Device has had its serial number label removed, defaced or altered; your Mobile Device does not contain Your usual SIM card at the time of the incident; your Telstra Premium Care Mobile Insurance has been purchased separately to Your Mobile Device and You have not made a successful call, or data use on the 3G/4G network, with the Mobile Device on the Telstra network since you were issued Telstra Premium Care Mobile Insurance. Cover is not provided for: the cost to replace any data, software, games, wallpapers, logos, videos, ringtones or downloads stored on the Mobile Device, SIM card, memory card, any other storage component of the Mobile Device; loss of use or consequential loss of any kind; any pre-existing damage that cannot be attributed to the event being claimed for. CANCELLATION OF YOUR POLICY By You You can cancel Your insurance by making the request to Telstra Customer Service by calling the number provided at the top of Your Telstra Mobile Service Account. You may request to cancel Your insurance cover at anytime without any cancellation fee. Any unused premium that You have already paid at the time of cancellation will be credited to Your Telstra Mobile Service Account. By us If Your Telstra Mobile Service Account is terminated, Your Telstra Premium Care Mobile Insurance will be automatically cancelled without notice 30 days from the date of termination of Your Telstra Mobile Service Account. We can also cancel Your policy for any other reason allowable at law. You cannot reinstate Your policy unless we agree to do that and only from the date we agree. Contacting us about cancellations A request to cancel or reinstate Your policy can be made by calling Telstra Customer Service on the number provided at the top of Your bill for Your Telstra Mobile Service Account. GENERAL INFORMATION Effective Date Your insurance cover commences when Your request for Telstra Premium Care Mobile Insurance is accepted and continues for a term of 12 months. Your Premium This insurance policy runs for a 12 month term, with the premium paid via monthly Premium Instalments charged to Your Telstra Mobile Service Account. You will be charged a monthly instalment of: $9.95 if You hold a Basic Cover policy; and $14.95 if You hold a Smart Cover policy. Before Your current policy expires, a renewal notification will be sent to You. You expressly consent to receiving renewal notifications by SMS or . Unless You advise otherwise, Your policy will automatically renew and the next instalment will be charged to Your Telstra Mobile Service Account. The premium we charge You will include GST, stamp duty and any other government taxes and charges. COOLING OFF PERIOD You have 21 days from the date Your policy is issued to check that Telstra Premium Care Mobile Insurance meets Your needs this is known as the cooling-off period. You can cancel Your policy at any time within the cooling-off period. A request to cancel in the cooling-off period can be made by calling Telstra Customer Service on If You decide to cancel Your policy within the cooling-off period, Telstra Customer Service will cancel Your cover when Your request is received and CGU will refund any premium You have paid via Your Telstra Mobile Service Account. Please note that You cannot exercise Your right of cooling-off if You have made a claim under the cover during the cooling-off period. Refer to Cancellation Of Your Policy for details on cancellation outside the cooling off period. FINANCIAL CLAIMS SCHEME You may be entitled to payment under the financial claims scheme in the event that CGU Insurance Ltd becomes insolvent. Access to the scheme is subject to eligibility criteria. Information about the scheme can be obtained from the Australian Prudential Regulation Authority (APRA) website at apra.gov.au and the APRA hotline on QUESTIONS, CONCERNS OR COMPLAINTS ABOUT YOUR POLICY 01. If You have a complaint, please talk to Telstra Customer Service on the number provided at the top of Your Telstra Mobile Service Account for assistance. If Your complaint relates specifically to a claim, please contact the claims officer managing Your claim. If the Telstra Customer Service staff member or claims officer are unable to resolve the matter for You, and You are not satisfied with their decision, You may speak to a manager. If You are not satisfied with the response from the manager You can seek a review by proceeding to Step Seek an internal review. If the matter is still not resolved, the manager will refer You to the relevant internal dispute resolution area who will conduct a review of Your dispute. If You are not satisfied with their decision, You can go to step Seek an external review. You are entitled to seek an external review of the decision. You will be provided with information about the options available to You, for example, referring You to the external dispute resolution scheme administered by the Financial Ombudsman Service Limited (FOS). Further information about the complaint or dispute resolution procedures is available on telstra.com.au/mobile-phones/ premium-care-mobile-insurance GENERAL INSURANCE CODE OF PRACTICE The purpose of the code is to raise the standards of practice and service in the general insurance industry. The objectives of the Code are: to promote better, more informed relations between insurers and their customers; to improve consumer confidence in the general insurance industry; to provide better mechanisms for the resolution of complaints and disputes between insurers and their customers; and to commit insurers and the professionals they rely upon to higher standards of customer service. CGU has adopted and supports the code and are committed to complying with it. Further information about the code is available at codeofpractice.com.au PRIVACY Telstra and CGU are committed to providing You with the highest levels of customer service. This includes protecting Your privacy. Our Privacy Policies set out how Your personal information is used, disclosed and protected. We may communicate Your personal information to our service providers and this will always be carried out in accordance with the relevant privacy legislation. If You have any questions in relation to privacy, please contact Telstra on between 9.00am and 5.00pm, Monday to Friday AEST. Please note that this number is not for general service enquiries. Alternatively, You can write to privacy@online.telstra.com.au. You may obtain further information on our Privacy Policies on request without charge, or by viewing telstra.com.au/mobilephones/premium-care-mobile-insurance or CGU s Privacy Charter at UPDATING THE PDS Information in the PDS which is not materially adverse may change from time to time. You can obtain a paper copy of any updated information without charge by calling Telstra Customer Service on the number provided at the top of Your bill for Your Telstra Mobile Service Account. If there is a materially adverse change to the PDS, CGU will issue a supplementary or replacement PDS, which will be notified to You by Telstra on behalf of CGU. FINANCIAL SERVICES GUIDE About this FSG This Financial Services Guide (FSG) describes the insurance services offered by Telstra Corporation Limited ABN (Telstra) and others that provide services in relation to Telstra Premium Care Mobile Insurance (Other Distributors). This FSG is designed to assist You in deciding whether to use the services that Telstra and the Other Distributors provide, and to provide information about the remuneration provided to Telstra and in connection with the distribution of Telstra Premium Care Mobile Insurance, Your rights as a customer and how any complaints You may have will be resolved. ABOUT CGU, TELSTRA AND OTHER DISTRIBUTORS CGU CGU Insurance Limited ABN (CGU) is an Australian Financial Services Licensee (AFSL ) and is authorised to provide advice and deal in all general insurance products. Telstra Premium Care Mobile Insurance is issued by CGU. Telstra Telstra has been appointed as an authorised representative of CGU to deal and provide general advice about Telstra Premium Care Mobile Insurance. Telstra s authorised representative number is AR Certain individuals employed by Telstra (Telstra ARs) have also be appointed as authorised representatives of CGU to deal and, in some cases, provide general advice about Telstra Premium Care Mobile Insurance. These will include individuals that work in call centres owned and operated by Telstra. Other Distributors CGU has also appointed other entities and individuals that work for them to deal in Telstra Premium Care Mobile Insurance as general insurance distributors of CGU. These Other Distributors will be in one of the following categories: any Telstra store or dealer that offers Telstra Premium Care Mobile Insurance, and the individuals that work in those stores. any call centre that is not owned and operated by Telstra but that offers Telstra Premium Care Mobile Insurance and the individuals that work in those call centres. These nominated Telstra stores and dealers and the individuals that work for them cannot provide You with any advice about Telstra Premium Care Mobile Insurance. When providing services in connection with Telstra Premium Care Mobile Insurance, Telstra, Telstra ARs, Telstra employees, nominated stores and dealers and the individuals that work for them act on behalf of CGU, not on Your behalf. They are not the insurer of Telstra Premium Care Mobile Insurance and do not guarantee or underwrite Your insurance policy. About the PDS The Product Disclosure Statement (PDS) for Telstra Premium Care Mobile Insurance accompanies this FSG and sets out the significant benefits, features and characteristics of the cover and will assist You to compare and make an informed decision about Telstra Premium Care Mobile Insurance. Please note, this document contains general information only and may not suit Your particular circumstances. You should carefully read the PDS before You purchase Telstra Premium Care Mobile Insurance to decide if it suits Your needs. REMUNERATION INFORMATION ABOUT TELSTRA AND THE OTHER DISTRIBUTORS Telstra CGU pays Telstra commission of 13.5% of the premium (excluding taxes and charges) for each Telstra Premium Care Mobile Insurance policy issued by CGU. Telstra AR staff will be paid a market salary, but may be eligible to receive volume-based incentives. Other Distributors Any nominated Telstra stores and dealers that have been appointed as general insurance distributors of CGU that arranges a Telstra Premium Care Mobile Insurance policy will receive a once only fee of up to $20 for a Basic Cover policy and up to $30 for a Smart Cover policy. This fee will be paid out of the commission received by Telstra, not in addition to it. The Other Distributors may also be paid a service fee. The individuals that work for these Other Distributors will be paid a market salary, but may be eligible to receive volume-based incentives. Complaints If You are not satisfied with the service You receive from CGU, Telstra, their employees or any Other Distributor or any individual that works for any Other Distributor and You wish to make a complaint, please refer to the procedure set out in this Combined FSG and PDS. CONTACT US This booklet contains information about the Telstra Premium Care Mobile Insurance products and services. The information was current at the date of preparation. Contact Telstra Customer Service on the number provided at the top of Your bill for Your Telstra Mobile Service Account. Contact the Telstra Premium Care Claims Team for Claims on Contact CGU on Apple and iphone are trademarks of Apple Inc. and are trade marks and registered trade marks of Telstra Corporation Limited ABN

5 CALL VISIT A TELSTRA STORE telstra.com.au/mobile-phones/premium-care-mobile-insurance C131APR12