PROTECT AND RESPECT YOUR INVESTMENT WITH MENDIT. Accidental Damage and Theft Insurance

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1 PROTECT AND RESPECT YOUR INVESTMENT WITH MENDIT Accidentl Dmge nd Theft Insurnce

2 MENDIT COMPUTER ACCIDENTAL DAMAGE & THEFT POLICY WORDING This insurnce ws rrnged by Summit Insurnce Services Limited, who is lso the policy dministrtor nd the comp tht will hndle clims. Summit Insurnce Services Limited is referred to s the dministrtor in this Policy Wording nd you cn contct them t: Address: Summit Insurnce Services Limited, Suite 2, Bloxm Court, Corportion Street, Rugby, Wrwickshire CV21 2DU. Tel: The insurnce is underwritten by Lloyd s Syndicte 4444 which is mnged by Cnopi Mnging Agents Limited. Cnopi Mnging Agents Limited is uthorised by the Prudentil Regultion Authority nd regulted by the Finncil Conduct Authority nd the Prudentil Regultion Authority. Lloyd s Syndicte 4444 is referred to s we, nd our in this Policy Document. Understnding Your Policy Plese red this policy crefully nd mke sure you understnd fully nd comply with its terms nd conditions. Filure to do so my jeoprdise the pyment of clim which might rise nd could led to the policy becoming void. All insurnce documents nd ll communiction with you bout this policy will be in English. HOW TO MAKE A CLAIM To mke clim, cll Summit Insurnce Services Limited on Lines re open between 9m nd 5pm Mondy to Fridy. Alterntively, plese write to Corportion Street, Rugby, Wrwickshire CV21 2DU. The Insurnce Contrct This Policy Document nd your Insurnce Schedule re your insurnce documents nd together they mke up the contrct between you nd. It is importnt tht you red this Policy Document crefully long with your Insurnce Schedule so you cn be sure of the cover provided nd to check tht it meets your needs. This Policy Document nd your Insurnce Schedule re issued to you by Summit Insurnce Services Limited in its cpcity s gent of the Insurers under contrct reference B6839 / EW001. In exchnge of your pying the premium mount referenced in your Insurnce Schedule, you re insured in ccordnce with the Terms & Conditions contined in these documents (nd mendments mde to them) for the durtion of your policy. Signed by Dvid Milner, Mnging Director, Summit Insurnce Services Limited The Policy The insurer will provide the Insurnce described in this policy for the period of cover tht is shown in the Insurnce schedule nd for subsequent period which the insurer nd you my gree. This policy will not be in force unless the correct premium hs been received nd it hs been greed by n uthorised officil of the insurer nd confirmtion sent to you with the Insurnce Schedule. The policy contins detils of the Insurnce cover you hve bought, wht is excluded from cover nd the terms nd conditions of this Insurnce. Your ttention is drwn to the following: Chnges in Your circumstnces The policy hs been issued bsed upon informtion which you hve given to the insurer bout yourself nd your equipment. You mt tell the insurer immeditely of chnges to this informtion including chnge of ddress. You mt lso notify the insurer if you hve been convicted of hndling stolen goods, frud, forgery, robbery, theft or if you hve been declred bnkrupt. If you do not revel relevnt informtion the consequences my be tht the policy is void nd clim you hve, my be invlidted. Your legl rights This Insurnce is in ddition to your legl rights nd is not to be substituted for the supplier s libility if the equipment is found to be unfit for the purposes for which they were intended, or re not s described or re not of stisfctory qulity. Eligibility for Cover It is condition precedent to our libility under this insurnce contrct tht the following mtters re true nd ccurte: ) Your equipment mt not hve been lost, stolen or dmged before the strt dte of this insurnce. b) You mt own the equipment to be insured, which mt not hve been purchsed second hnd, t uction or from n online uction website. c) Your equipment mt hve been purchsed within the United Kingdom, the Isle of Mn or the Chnnel Islnds. d) Your registered ddress mt be in the United Kingdom, the Chnnel Islnds or the Isle of Mn. If you do not meet the eligibility requirements bove we will not provide cover under this policy. Plese contct the dministrtor s soon s possible if you re unble to meet the eligibility requirements, or if you hve queries. CONSUMER INSURANCE ACT Under the Insurnce Act 2015, you hve duty to mke fir presenttion of the risk to before this policy strts, t ech renewl of the policy, nd when you mke mendment(s) to your cover. This mens you mt: ) Disclose ll mteril fcts which you know or ought to know. b) Mke the disclosure in resonbly cler nd ccessible wy; nd c) Ensure tht every mteril representtion of fct is substntilly correct, nd mde in good fith.

3 A mteril fct is informtion tht would influence our decision s to whether to insure you nd if so, on wht terms. For the purposes of the duty of fir presenttion, you re expected to know the following: ) If you re n individul (such s sole trder or n individul prtner): - wht is known to you nd body who is responsible for rrnging this insurnce; or If you re not n individul (such s limited comp or prtnership): - wht is known to body who is prt of your orgnistion s senior mngement (this mens those people who ply significnt roles in the mking of decisions bout how your ctivities re to be mnged or orgnised), or body who is responsible for rrnging this insurnce; b) Wht should resonbly be reveled by resonble serch of informtion vilble to you. The informtion my be held within your orgnistion, or by third prty (including but not limited to subsidiries, ffilites, the broker, or other person who will be covered under the insurnce). If the insurnce is intended to insure subsidiries, ffilites or other prties, you re expected to hve included them in your enquiries, nd inform if you hve not done so. The resonble serch my be conducted by mking enquiries or by other mens. If you brech your duty to mke fir presenttion of the risk to, then Where the brech ws deliberte or reckless, we my void this policy nd refe ll clims, nd keep ll premiums pid; Where the brech ws neither deliberte nor reckless, nd but for the brech: - we would not hve greed to provide cover under this policy on terms, we my void this policy nd refe ll clims, but will return premiums pid; - we would hve greed to provide cover under this policy but on different terms (other thn premium terms), we my require tht this policy includes such different terms with effect from its commencement, nd/or - we would hve greed to provide cover under this policy but would hve chrged higher premium, our libility for loss mount pyble shll be limited to the proportion tht the premium we chrged bers to the higher premium we would hve chrged. For exmple if due to brech of fir presenttion we chrged premium of but we should hve chrged , for clim submitted nd greed t settlement vlue of 3,000, you will only be pid 2,250. DEFINITIONS Any word or expression to which specific mening hs been ttched will ber the sme mening throughout the policy nd will pper in bold. Active wr mens your ctive prticiption in wr where you re deemed under English Lw to be under instruction from or employed by the rmed forces of country. Administrtor mens the prty, person or comp who rrnged this insurnce on your behlf. This is Summit Insurnce Services Limited, Suite 2, Bloxm Court, Corportion Street, Rugby, Wrwickshire CV21 2DU Tel: Authorised person mens: ) if you re n eductionl estblishment (including school, college or university), this mens registered employee or student uthorised to e n item of equipment; nd b) if you re comp, prtnership, public or privte sector orgnistion, government uthority, chrity or club, this mens registered employee. Evidence of ownership mens n originl purchse receipt which includes the detils of n item of equipment or similr document which provides proof tht you own the equipment. The equipment cnnot hve been purchsed second hnd, t uction or from n online uction website. Equipment mens the item(s) insured by your insurnce policy which re specified on your Insurnce Schedule. Insurnce Schedule mens the document which nmes you s the policyholder nd sets out wht this policy covers you for. It will confirm the period of cover, the items of equipment insured by this policy nd the item sum insured. Your Insurnce Schedule will be replced whenever you mke chnges to the policy. Item sum insured mens the mximum we will py in the event of clim for tht item of equipment. Nucler risks mens Ionising rdition or contmintion by rdioctivity from nucler fuel or from nucler wste from the combtion of nucler fuel or rdioctive toxic explosive or other hzrdo properties of explosive nucler ssembly or nucler component thereof. Period of cover mens the period between the strt dte nd end dte stted on the Insurnce Schedule. Terrorism mens n ct including, but not limited to, the e or thret of force nd/or violence of person or group(s) of persons, whether cting lone or on behlf of or in connection with orgnistion(s) or government(s), committed for politicl, religio, ideologicl or similr purposes or resons including the intention to influence government nd/or to put the public, or section of the public, in fer. Violent nd forcible entry mens the unlwful entry to property which is gined by violent mens. For exmple, by forcing open door or breking window to gin ccess. Wr mens: () Wr, invsion, cts of foreign enemies, hostilities (whether wr be declred or not), civil wr, rebellion, revolution, insurrection, militry or urped power, riot or civil commotion ssuming the proportions of, or mounting to, n uprising, militry or urped power, or (b) Any ct of terrorism, or

4 (c) Any ct of wr or terrorism involving the e of, or relese of, thret to e nucler wepon or device or chemicl or biologicl gent. You/Your/Yourself mens the individul or biness specified on the Insurnce Schedule who owns the insured equipment, pplied for this insurnce nd hs pid the pproprite premium. We/Us/our/Insurer mens Lloyd s Syndicte 4444 which is mnged by Cnopi Mnging Agents Limited. WHAT IS INSURED If n insured event occurs within the territoril limits s result of ce tht is not excluded by this policy, the insurer will, t its sole discretion: ) Py the cost of the repir of the equipment by qulified repir engineer uthorised by the insurer; or replce the equipment with equipment of similr specifiction; b) The insurer will endevour to replce the equipment with equipment of n identicl specifiction but is not obliged to do so where this is not possible; c) The insurer is not lible for the pyment of Vlue Added Tx (VAT) where you re registered with HM Revenue nd Ctoms for VAT; d) The insurer will only py for crrige costs within the UK. You mt py for dditionl crrige costs if the equipment needs to be collected nd/or delivered outside the UK; e) The totl libility of the insurer for clim will not exceed the sum insured of the equipment being climed for. This is to certify tht the insurer, in considertion of the premium specified on your insurnce schedule, grees to indemnify you on this insurnce in respect of n insured event. GENERAL CONDITIONS Loctions Where Cover is Provided Cover pplies in country. However, replcement or repir cn only be delt with once n item of equipment is bck in the United Kingdom, the Chnnel Islnds or the Isle of Mn nd ll repirs mt be crried out by repirer pproved by. Trnsferring Your Policy This insurnce cnnot be trnsferred to one else unless you inform in writing nd receive confirmtion tht your request is cceptble to. EXCLUSIONS WHAT IS NOT COVERED Accidentl nd Mlicio Dmge We will not py for clim: ) ced by you delibertely dmging or neglecting n item of equipment; b) ced by you not following the mnufcturer s instructions; c) ced by routine servicing, inspection, mintennce or clening; d) ced by, or rising from, mnufcturing defect or recll; e) for the replcement of or djtment to fittings, control knobs or buttons, btteries or erils. f) resulting from repirs crried out by repirer not uthorised by ; g) if the IMEI or seril number cnnot be determined from n item of equipment, or if the IMEI or seril number hs ben tmpered with in wy; h) resulting from wer nd ter or the grdul deteriortion of performnce; or i) for the scrtching, denting or mrking of n item of equipment which ffects the ppernce of tht item but does not ffect its performnce or functionlity in wy. j) for mlicio dmge unless the incident is reported to the police within 24 hours of your discovery of the incident nd you obtin crime reference number from the police. Theft We will not py for clim: ) if n item of equipment is stolen from motor vehicle (including motorcycle) unless ll windows nd doors were closed nd locked (where the vehicle hs windows nd doors) nd ll security systems ctivted; b) if n item of equipment is stolen from n unoccupied premises, unless there is evidence of violent nd forcible entry to the premises; c) the incident is reported to the police within 24 hours of your discovery of the incident nd you obtin crime reference number or lost property reference from the police. Generl Exclions pplicble to ll types of cover We will not provide cover for: ) Any clim if you do not meet the eligibility requirements for this policy. b) Dmge or theft s result of you or n uthorised person not tking cre of n item equipment. c) Any clim which hppens while n item of equipment is in the possession of one other thn you or n uthorised person. d) Any clim which is covered under the wrrnty or gurntee provided by the mnufcturer or retiler. e) Additionl equipment or ccessories which re ed with n item of equipment. f) Any clim resulting from the filure of n item of equipment to correctly recognise or process clendr dte or time. g) Vlue dded tx (VAT) if you re registered for VAT with HM Revenue nd Ctoms. h) Any dditionl crrige costs if n item of equipment needs to be collected from, or delivered to, n ddress outside the United Kingdom, Chnel Islnds or Isle of Mn. i) Any costs or expenses which re not directly ssocited with the incident which ced the clim. For exmple, the cost of replcing dt or softwre which ws stored on n item of equipment. j) Reconnection costs or subscription fees of kind.

5 k) Any loss other thn the cost of repiring or replcing n item of equipment. l) Any libility rising out of your e or ownership of n item of equipment, including illness or injury resulting from it. m) Wr or cts of terrorism. n) You or n uthorised person engging in ctive wr. o) Nucler risks. p) Dmge resulting from pressure wves ced by ircrft or other eril devices trvelling t sonic or supersonic speeds. MAKING A CLAIM Who to contct To mke clim, cll the dministrtor on Lines re open between 9m nd 5pm Mondy to Fridy. Alterntively, plese write to: Summit Insurnce Services Limited, Suite 2, Bloxm Court, Corportion Street, Rugby, Wrwickshire CV21 2DU. Clls my be recorded for trining, complince nd frud prevention purposes. Things You Mt Do You mt comply with the following conditions. If you fil to do so nd this ffects the bility of the dministrtor to fully ssess your clim or keep our losses to minimum, we my not py your clim or pyment could be reduced. ) All clims mt be reported to the dministrtor s soon s possible but in event, within 14 dys of you becoming wre of n incident. You mt complete clim form (in full) nd provide t your own expense, informtion nd ssistnce which the dministrtor requires to estblish the mount of pyment under your insurnce. You mt provide evidence of ownership of n item of equipment to support clim, nd other receipts or documents tht the dministrtor my request. If you cnnot provide evidence of ownership, your clim will not be vlid. b) All thefts nd mlicio dmge mt be reported to the police within 24 hours of your discovery of the incident. You mt provide the dministrtor with crime reference number. c) If n item of equipment is dmged, you mt provide the item for inspection nd repir. d) If n item of equipment is found fter the dministrtor hs settled clim for the theft of n item, you mt inform the dministrtor nd return the item if sked. We will py the cost of returning the item. Mnufcturer s Wrrnty If n item of equipment is dmged nd is still within the mnufcturer s wrrnty period, you should follow the wrrnty returns process specified by the mnufcturer. If repirs uthorised under this insurnce invlidte the mnufcturer s wrrnty, we will repir or replce n item of equipment in ccordnce with the terms of the mnufcturer s wrrnty for the unexpired period of the mnufcturer s wrrnty. Other Insurnce If, t the time of vlid clim under this policy, there is nother insurnce policy in force which covers you for the sme loss or expense, we my seek recovery of some or ll of our costs from the other insurer. You mt give help or informtion we my need to ssist with our loss recoveries. You my be sked to provide detils of other contrct, gurntee, wrrnty or insurnce which pplies to n item of equipment. Frudulent Clims or Misleding Informtion We tke robt pproch to frud prevention in order to keep premium rtes down so tht you do not hve to py for other people s dishonesty. If clim mde by you or one cting on your behlf under this insurnce is frudulent, delibertely exggerted or intended to misled, we my: ) not py your clim; nd b) recover (from you) pyments we hve lredy mde in respect of tht clim; nd c) terminte your insurnce from the time of the frudulent ct; nd d) inform the police of the frudulent ct. If your insurnce is terminted from the time of the frudulent ct, we will not py clim for incident which hppens fter tht time nd my not return of the insurnce premium(s) lredy pid. Replcement Equipment We will ttempt to replce n item of equipment with n identicl new or fully refurbished item of the sme ge nd condition, but it my not be the sme colour. In the unlikely event tht this is not possible, the dministrtor will provide you with new or fully refurbished item of comprble specifiction or the equivlent vlue, tking ccount of the ge nd condition of n item of equipment immeditely before your clim. Replcement equipment will utomticlly be covered for the reminder of the period of cover nd if we provide refurbished item, it will be provided with minimum of 90 dy wrrnty. CANCELLATION Your Cncelltion Rights You cn cncel your policy within 30 dys of the policy strt dte or, if lter, 30 dys of the dte you receive this Policy Document. We will refund premiums you hve pid s long s you hve not mde clim nd do not intend to mke clim. You cn lso cncel your policy t other time nd providing tht no clim hs been mde, you will be entitled to portion of your premium bck for the unexpired period of cover. This will be bsed on the number of dys remining until the expiry dte, less n dministrtion fee pplied by the dministrtor of 10

6 or 25% of the nnul premium, whichever is the greter mount. The Insurers Cncelltion Rights We reserve the right to cncel this policy immeditely if you commit frud. We my lso cncel your policy if there is chnge to the risk which mens we cn no longer provide you with insurnce cover. If we cncel your policy for this reson, we will give 14 dys notice, in writing, to the most recent ddress we hve for you. Your policy will end utomticlly if you do not py premium when it becomes due. If this hppens, you will be contcted requesting pyment within 14 dys. If we do not receive pyment within this period, you will be written to gin notifying you tht your policy will be cncelled. COMPLAINTS PROCEDURE Our im is to provide you with high qulity service t ll times, lthough we do pprecite tht there my be instnces where you feel it is necessry to lodge complint. If you do wish to complin, plese note the 3 steps below, long with the relevnt contct detils for ech step. Plese tke specil note tht should you wish to direct your complint directly to Lloyd s in the first instnce, you my do so by ing the contct informtion referenced in Step 2 below. Step 1: In the first instnce, plese direct your complint to the dministrtor t: Summit Insurnce Services Limited Suite 2 Bloxm Court Corportion Street Rugby CV21 2DU Tel: Emil: complints@compucover.co.uk Step 2: Should you remin disstisfied with the outcome of your complint from the dministrtor, your legl rights re not ffected nd you my refer your complint to Lloyd s. Lloyd s contct informtion is: Complints t Lloyd s Fidenti Hoe Wlter Burke Wy Chthm Mritime Kent ME4 4RN Tel: +44 (0) Emil: complints@lloyds.com Website: Detils of Lloyd's complints procedure re set out in leflet "How We Will Hndle Your Complint, which is vilble t the website ddress bove. Alterntively, you my sk Lloyd s for hrd copy. Step 3: If you remin disstisfied fter Lloyd's hs considered your complint, you my hve the right to refer your complint to n lterntive dispute resolution (ADR) body. If you live in the United Kingdom or the Isle of Mn, the contct informtion is: Finncil Ombudsmn Service Exchnge Tower London E14 9SR Tel: (clls to this number re free on mobile phones nd lndlines). Tel: (clls to this number cost no more thn clls to 01 nd 02 numbers). Emil: complint.info@finncilombudsmn.org.uk Website: If you live in the Chnnel Islnds, the contct informtion is: Chnnel Islnds Finncil Ombudsmn PO Box 114 Jersey, Chnnel Islnds JE4 9QG Tel: Jersey +44 (0) , Guernsey +44 (0) , Interntionl Fx: Emil: enquiries@ci-fo.org Web: Alterntively, if you purchsed your insurnce online*, plese note tht you cn, if you wish, lso submit your complint vi the Online Dispute Resolution (ODR) Pltform set up by the Europen Commission. This service hs been set up to help residents in the Europen Union (EU), who hve bought goods or services online, get their complint resolved. You cn ccess the ODR Pltform t: This does not ffect your right to submit your complint following the process bove. Plese note tht under current rules the Europen Commission will ultimtely redirect your complint to the relevnt ADR body detiled bove. * Online includes ll products sold vi website, emil, telephone nd socil medi mongst others with digitl element. FINANCIAL SERVICES COMPENSATION SCHEME We re covered by the Finncil Services Compenstion Scheme. You my be entitled to compenstion from the scheme if we re unble to meet our obligtion to you under this contrct. Further informtion cn be obtined from the Finncil Services Compenstion Scheme, 10th Floor, Beufort Hoe, 15 St. Botolph Street, London, EC3A 7QU. Tel: (Freephone) or Website:

7 DATA PROTECTION SANCTIONS you you We SEVERAL LIABILITY we you You THE INSURERS we REGULATORY DETAILS your you dministrtor RIGHTS OF THIRD PARTIES your LAW & JURISDICTION Jnury 2017

Canopius Policy Wording

Canopius Policy Wording Accidental Damage & Theft Insurance compu ter tab let equipme n t COMPUCOVER COMPUTER ACCIDENTAL DAMAGE & THEFT POLICY WORDING This insurance was arranged by Summit Insurance Services