You are required by the provision of the Consumer Insurance (Disclosure and Representations) Act 2012 to care to:

You must take reasonable care to provide complete and accurate answers to the questions Zego asks when you take out, make changes to and renew your policy. If any information you provide is not complete and accurate, this may mean your policy is invalid and that it does not operate in the event of a claim or we may not pay any claim in full.

You must not act in a fraudulent way. If you or anyone acting for you:

If your claim is in any way dishonest or exaggerated, we will not pay any benefit under this policy or return any premium to you, and we may cancel your policy immediately and backdate the cancellation to the date of the fraudulent claim. We may also take legal action against you and inform the appropriate authorities.

Please read this policy carefully so that you understand the cover we are giving you and follow our rules. It's important that you keep this policy wording and your policy schedule in a safe place in case you need to look at them later.

In the event of a claim, please contact us as soon as reasonably possible and within 7 days from the date of the insured event giving us as much information as you can about what has happened to bring about the claim. If the incident occurred outside the UK, please notify us within 7 days of your return to the UK.

Telephone: 0333 043 4637

Online claims form: https://gadget.coplus.co.uk/

Email: [email protected]

Or you can write to us at:

Coplus

Floor 2

Norfolk Tower

48-52 Surrey Street

Norwich

NR1 3PA

To process your claim quickly, we will need information about the circumstances that led to your claim. The information required will be detailed when you contact us and will include any of the following:

All access blocks must be removed from your gadget before being sent for repair. This includes any personal pin locks or operator specific security blocks, including Find My iPhone or other remote location device/app. Failure to do so will result in your claim being delayed and/or your gadget being returned to you.

If we replace your gadget(s), the damaged or lost item becomes our property. If it is returned or found, you must notify us and send it to us if we ask you to.

We will process your claim under the terms and conditions of this policy based on the first reason notified to us for the claim. If your claim is not covered and you then submit a claim having changed the reason, we may consider this as fraud. Details of all such cases will be passed to appropriate agencies for action.

This insurance is arranged by Motorplus Limited t/a Coplus and underwritten by Collinson Insurance. This Insurance is effected in England and is subject to the Laws of England and Wales.

Collinson Insurance (a trading name of Astrenska Insurance Limited) is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority in the United Kingdom, under Firm Reference Number 202846. Registered in England number 01708616. These details can be checked on the Financial Services Register by visiting: www.fca.org.uk.

Motorplus Limited t/a Coplus are authorised and regulated by the Financial Conduct Authority.

For full details of how we protect your privacy and process your data please read the Privacy Statement that accompanies this policy.

The Privacy Statement can also be viewed online by visiting https://www.coplus.co.uk/data-privacy-notice.

If you have a complaint, please follow the guidance below and we will provide assistance as soon as possible:

If your complaint is about the sale of the policy contact Zego, who sold you the policy;

Telephone: 0203 308 9800

Email: [email protected]

If your complaint is about the handling of a claim, please contact:

The Quality Assurance Manager

Coplus

Floor 2

Norfolk Tower

48-52 Surrey Street

Norwich

NR1 3PA

Telephone: 0333 043 4637

Email: [email protected]

We will respond to your complaint within eight weeks of receiving it. Our response will be our final decision based on the information provided. If there's a delay in our investigations, we'll explain the reason and give you an estimated timeframe for

reaching a decision.

If, for any reason, you're still not happy or haven't received a final answer within eight weeks, you have the right to escalate your complaint to an independent authority called the Financial Ombudsman Service (FOS). You can contact them using the details below:

The Financial Ombudsman Service,

Exchange Tower,

1 Harbour Exchange Square,

London,

E14 9SR.

Tel: 0800 023 4567 (free for people calling from a landline) or 0300 1239 123

Email: [email protected]

Following this complaints procedure does not stop you from taking legal action.

The Financial Services Compensation Scheme covers this policy. You may be entitled to compensation from the scheme, if we cannot meet our liabilities under this policy. Further information about compensation scheme arrangements is available at

www.fscs.org.uk or by telephoning 020 7741 4100.

We shall not provide cover or be liable to pay any claim or other sums, including return premiums, where this would expose us to any sanction, prohibition or restriction under United Nations resolutions, asset freezing or trade or economic sanctions, laws or regulations of the European Union, United Kingdom, and/or all other jurisdictions where we transact business.

The following words shall have the meaning given below wherever they appear in bold in this document.

The following conditions apply to all sections of this policy. You must comply with them where applicable for your insurance to remain in full force and effect.

1. Other insurance

If you have other insurance that provides the same or similar types of cover, you must tell us when you make a claim.

1. Any gadget for which you cannot provide evidence of ownership. This must show the date of purchase, make, model, IMEI/Serial number of your gadget. Your gadgets must be less than 36 months old when the policy started;

2. Cover is extended to include use of gadgets anywhere in the world up to a maximum of days as detailed in your policy schedule, in any period of insurance, subject to any repairs being carried out in the UK by repairers approved by us. No

cover is provided for claims if you are travelling to a country where the Foreign and Commonwealth Office (FCO) have advised against all but essential travel. You can check the latest FCO travel advice at www.fco.gov.uk;

3. Drones which are used for commercial or business use;

4. Any stock or merchandise;

5. Any theft, accidental loss or breakdown of a gadget whilst being used by an

employee.

6. Your SIM card, or the theft, accidental loss or breakdown of a gadget designed to use a SIM card if a SIM card registered to you was not in your gadget at the time of the incident;

7. Where all precautions to prevent any loss or damage have not been taken;

8. Any expense incurred as a result of not being able to use the gadget, or any loss other than the repair or replacement costs of the gadget;

9. Accidental loss, accidental damage, theft or breakdown to accessories of any kind unless the gadget itself is subject to a successful claim;

10. Reconnection costs or subscription fees of any kind;

11. The cost of any fraudulent usage following the theft or accidental loss of your gadget unless the theft or accidental loss of the gadget has been reported to the airtime provider within 24 hours;

12. Accidental loss where the circumstances of the loss cannot be clearly identified, i.e. where you are unable to confirm the time and place where you last had your gadget;

13. Any claim where proof of usage cannot be established;

14. Any loss of or damage to information, data, apps or software contained in or stored on the gadgets whether arising as a result of a claim paid by this policy or otherwise;

15. Any indirect loss or damage resulting from any event which caused a claim under this policy. The only exception to this is fraudulent usage (up to a maximum of £2,500 for calls and £500 for data) provided the theft or accidental loss of a

gadget has been reported to the airtime provider within 24 hours;

16. Liability of whatsoever nature arising from ownership or use of the gadgets, including any illness or injury resulting from it;

17. Value Added Tax (VAT) where you are registered with HM Revenue and Customs for VAT;

18. Any gadget that is not less than 36 months old (with valid proof of purchase) when the policy is started. This insurance does not cover gadgets purchased second hand unless refurbished from a manufacturer, insurer or network provider;

19. Your gadget must be in good condition and in full working order prior to taking out this policy. If there is evidence that the accidental damage, theft or accidental loss occurred prior to the policy start date, your claim will be refused and no premium refund will be due;

20. If your gadget has previously been repaired using non original equipment manufacturer parts;

21. In the event that you make a claim, a policy excess fee applies which must be paid to us before your claim can be settled.

22. In addition to the policy excess, a £50 excess will apply to any claim made, or any event causing the need for a claim to be made, that occurs within the first 14 days of the start date of this policy as shown in your policy schedule. The additional £50 excess does not apply for renewed policies.

23. Loss or damage arising as a consequence of:

a. War, invasion, act of foreign enemies, terrorism, hostilities (whether war is declared or not), civil war, rebellion, revolution, insurrection, military or usurped power, riot or civil commotion.

b. Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from combustion of nuclear fuel, the radioactive toxic explosive or other hazardous properties of any explosive nuclear assembly or its nuclear component thereof or contamination or poisoning due to the effects of chemical or

biological and/or radioactive substances.

c. Pressure waves caused by aircraft and other aerial devices travelling at sonic or supersonic speeds.

24. Any loss, injury, damage, or legal liability arising directly or indirectly from:

a. The failure of any computer or other electrical component to correctly recognise any date as its true calendar date.

b. Computer viruses.

c. Use of drones or any other aerial abled gadget.

Your right to cancel your 30-day policy

If you decide that for any reason, this policy does not meet your insurance needs then please return it to Zego. You may cancel this policy any time however, as this is a short-term 30-day policy, no refund of premium will be payable whether or not any claims have been made.

Your right to cancel your annual policy

If you decide that, for any reason, this policy does not meet your insurance needs, then you may cancel it by returning it to Zego at any time. Provided that that no claims have been made (whether the claim is successful or not) or are pending, we will then refund your premium in full if cover has not commenced. If your cover has commenced, we will refund your premium less a proportionate charge for the period you are on cover.

Our right to cancel

The insurer shall not be bound to accept renewal of any insurance and may at any time cancel any insurance document by giving 30 days’ notice in writing where there is a valid reason for doing so. A cancellation letter will be sent to you at your last known address. Valid reasons may include but are not limited to:

a. Where we reasonably suspect fraud.

b. Non-payment of premium.

c. Threatening and abusive behaviour.

d. Non-compliance with policy terms and conditions.

e. You have not taken reasonable care to provide complete and accurate answers to the questions we ask.

f. You do not or are not willing to co-operate in the event of a claim.

If the insurer cancels the policy and/or any additional covers you will receive a refund of any premiums you have paid for the cancelled cover, less a proportionate deduction for the time the insurer has provided cover.

Where the insurer’s investigations provide evidence of fraud or misrepresentation, the insurer may cancel the policy immediately and backdate the cancellation to the date of the fraud or the date when you provided us with incomplete or inaccurate information. This may result in your policy being cancelled from the date you originally took it out and the insurer will be entitled to keep the premium.

If your policy is cancelled because of fraud or misrepresentation, this may affect your eligibility for insurance with the insurer, as well as other insurers, in the future.

Arbitration Clause

In the event of a disagreement between you and us, our aim is to make things simple and fair. If the matter cannot be resolved via our complaints procedure then you can reach out to the Financial Ombudsman Service for assistance. For broader disputes, we can turn to arbitration. We can jointly pick an arbitrator – it could be a solicitor or barrister. We will agree on this together in writing. In case we can't reach an agreement the Chartered Institute of Arbitrators can step in to help us choose someone. The arbitrator's decision is final, and we both have to abide by the outcome. The Arbitrator will also determine who pays the costs of the arbitration

process, if costs are awarded against you, they are not covered under this policy. This arbitration condition does not affect your rights to take separate legal action.

If you require this document in any other format please do not hesitate to contact us.

Please note that for our mutual protection telephone calls may be monitored or recorded.

If you wish to renew this insurance policy please contact Zego who will be able to discuss your requirements.

The terms of this policy are only enforceable by the named insured. A person who is not a named insured has no rights under the Contracts (Rights of Third Parties) Act 1999 to enforce any term of this policy but this does not affect any right or remedy of a third party, which exists or is available apart from that Act.

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.

How we use the information about you

As a data controller, we collect and process information about you so that we can provide you with the products and services you have requested. We also receive personal information from your agent on a regular basis while your policy is still live. This will include your name, address, risk details and other information which is necessary for us to:

To administer your policy and deal with any claims, your information may be shared with trusted third parties. This will include members of The Collinson Group, third party administrators, contractors, investigators, crime prevention organisations and claims management organisations where they provide administration and management support on our behalf. Some of these companies are based outside of the European Union where different data privacy laws apply. Wherever possible, we will have strict contractual terms in place to make sure that your information remains safe and secure.

We will not share your information with anyone else unless you agree to this, or we are required to do this by our regulators (e.g. the Financial Conduct Authority) or other authorities.

The personal information we have collected from you will be shared with fraud prevention agencies and databases who will use it to prevent fraud and money-laundering and to verify your identity. If fraud is detected, you could be refused certain services, finance, or employment. Further details of how your information will be used by us and these fraud prevention agencies and databases, and your data protection rights, can be found by visiting www.cifas.org.uk/fpn and www.insurancefraudbureau.org/privacy-policy.

Your data will generally be processed on the basis that it is:

If we are not able to rely on the above, we will ask for your consent to process your data.

All personal information collected by us is stored on secure servers which are either in the United Kingdom or European Union. We will need to keep and process your personal information during the period of insurance and after this time so that we can meet our regulatory obligations or to deal with any reasonable requests from our regulators and other authorities.

We also have security measures in place in our offices to protect the information that you have given us.

You have the right to request a copy of the information that we hold about you. If you would like a copy of some or all of your personal information please contact us by email or letter as shown below:

Email address: [email protected]

Postal Address: 3 More London Riverside, London, SE1 2AQ

This will normally be provided free of charge, but in some circumstances, we may either make a reasonable charge for this service, or refuse to give you this information if your request is clearly unjustified or excessive.

We want to make sure that your personal information is accurate and up to date. You may ask us to correct or remove information you think is inaccurate.

If you wish to make a complaint about the use of your personal information, please contact our Complaints manager using the details above. You can also complain directly to the Information Commissioner’s Office (ICO). Further information can be found at https://ico.org.uk/.