General gomarketcity Insurance Information

gomarketcity.COM - CERTIFICATE OF MOBILE PHONE INSURANCE
THIS IS TO CERTIFY THAT in accordance with the authorisation granted under Contract CIT/UK/00186 (00075) to the Undersigned by the Insurers, and in consideration of the Premium, the Insurers are hereby bound to You for the benefits set out herein, subject to the Terms, Definitions, Exclusions and Conditions specified in this Certificate.
In witness whereof this Certificate has been signed in London by

Mr P Kelsey
Director Citymain Administrators Ltd

1. THE INSURANCE
Theft, Accidental Damage, and Breakdown Cover.
You are covered against the repair or replacement cost of Your Telephone if it is stolen, accidentally damaged or suffers a Breakdown whilst in Your possession or that of Your Immediate Family during the Period of Insurance. The Maximum Liability of the Insurer in respect of any one claim will be the replacement cost of the Telephone.

2. DEFINITIONS
The words or phrases described below shall have the following meaning wherever used in this Certificate.

Administrator
Citymain Administrators Limited, P.O. Box 116 Ryde PO33 2WX
Telephone number: 0870 444 1660

Breakdown
The actual breaking or burning out of any part of Your Telephone whilst in ordinary use arising from internal electronic, electrical or mechanical defects in the Telephone causing sudden stoppage of the function thereof and necessitating immediate repair before it can resume normal operation.

Immediate Family
Parents, children, brothers and sisters (over the age of 18) permanently residing with You.

Insurer
Wherever there is reference to the insurer and thier details in the site, please amend to read as follows: This Mobile Phone Insurance Cover is underwritten by Lloyd’s Syndicate 1231. Registered in England number 04434499. Registered Office: Jubilee Syndicate Management Limited, Sidcup House, 12-18 Station Road, Sidcup, Kent DA15 7EX. Jubilee Syndicate Management Limited is authorised and regulated by the Financial Services Authority and is entered on their register under number 226696.

Limit of Liability
The Insurer’s maximum liability for any claim shall not exceed the maximum replacement value of Your Telephone.
Should Your original Telephone no longer be available, the Insurer will replace it with the nearest functionally equivalent model.

Period of Insurance
The Insurance commences at the time of purchase for a period of three months and will continue by periods of one month upon receipt of Your monthly premium. The monthly premium will be collected by Citymain Administrators Limited by Direct Debit.
The Insurance will be terminated immediately if the Insurer does not receive Your monthly premium.

Telephone
Your hand portable cellular Telephone excluding accessories and car kit as evidenced by relevant proof of purchase or exchange.

Territorial Limits
The United Kingdom and worldwide for a maximum of 30 days in any one year.

You/Your
The person, company or partnership who has purchased cellular phone insurance as described in this Certificate from gomarketcity.com

3. EXCLUSIONS
This Certificate does not cover:
1 The first £25.00 of each and every claim, increased to £50.00 of each and every claim where Your Telephone is 3G enabled.
2 Any theft unless accompanied by a Crime Reference number. Lost Property numbers are not acceptable in support of a Theft claim.
3 Any claim involving theft unless reported to the appropriate Police authorities and the Network within 24 hours of the incident
4 Theft from an unattended vehicle unless the Telephone is completely hidden
from view within a locked glove compartment within a fully locked and secured vehicle and violent and forcible entry to both the vehicle and glove compartment has been used. A copy of the repairer’s account for such damage to the vehicle must be submitted with any claim hereunder.
5 Theft of the Telephone from an unoccupied premises unless there is evidence of violent and forcible entry to the premises.
6 Theft of the Telephone left unattended in a public place or a place to which the public has regular access.
7 Theft of the Telephone from the person unless force, pickpocket or threat of violence is used.
8 Mysterious disappearance of the Telephone.
9 Any losses or consequential losses arising from not being able to use the Telephone.
10 Any claim arising from abuse, misuse or neglect.
11 Any failure due to date-related problems.
12 Cost of any calls made from Your Telephone.
13 Wear and tear or gradual deterioration of Telephone performance.
14 Routine maintenance, adjustment, modification or servicing.
15 The VAT element of any claim if You are registered for VAT
16 Theft or accidental damage to the Telephone whilst on loan to any third party other than Your Immediate Family.
17 Theft or accidental damage to any additional equipment or accessories including but not limited to carrying cases, battery chargers, hands-free mounting kit, cameras or external antennae.
18 Damage to or malfunction of the telephone caused by or attributed to the operation of a software virus or any other software based malfunction.
19 Theft of SIM or PCIMA cards other than in respect of valid theft claims where Your card was stolen with the Telephone.
20 Any Breakdown:
a) that occurs during the manufacturer’s warranty period,
b) caused by placing or using the Telephone in a location or environment that is not in accordance with the manufacturer’s instructions.
21 Any consequential loss whatsoever.

4 GENERAL EXCLUSIONS
1 Any legal liability directly or indirectly caused by or contributed to or arising
from:
a. ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel.
b. the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof.
2. Any loss or damage or liability directly or indirectly occasioned by, happening through or in consequence of war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power, or confiscation or nationalisation or requisition or destruction of or damage to property by or under the order of any government or public or local authority.
3 Any damage directly occasioned by pressure waves caused by aircraft and other
aerial devices travelling at sonic or supersonic speeds.

5 GENERAL CONDITIONS
Cancellation
You may cancel this insurance at any time by giving notice of cancellation, in writing or by telephone, to the Administrator. Cover will terminate immediately on receipt of Your cancellation.
The Insurer is entitled to cancel this insurance at any time by giving You not less than 30 days prior notice.

Replacement Equipment
Should You replace Your Telephone with a new Telephone the Insurer will consider transferring the benefit of the insurance but You must advise the Administrator of the make, model and IMEI number of the new Telephone. An official purchase invoice showing details of the new Telephone must support this. The benefit will be transferred from the date confirmed by the Administrator.

Reasonable Precautions
You and Your Immediate Family are required to take all reasonable precautions at all times to protect the Telephone against theft or damage.

Fraud
If You make a claim, it may prejudice such claim if any information You or Your Immediate Family supply is false, fraudulent or otherwise incorrect.

Claims
In the event of any incident which may give rise to a claim, You must follow the Claims Procedure detailed below.

Law
The Parties are free to choose the law applicable to this Insurance Contract. Unless specifically agreed to the contrary this Insurance shall be subject to English Law

CLAIMS PROCEDURE

IMPORTANT: IF YOU OR YOUR IMMEDIATE FAMILY ARE NOT IN POSSESSION OF THE Telephone CONTACT YOUR AIRTIME PROVIDER TO PLACE A CALL BAR ON THE Telephone.

Please comply with the following procedures to obtain authorisation with the minimum delay. Failure to observe these procedures will invalidate Your claim.
Theft Claims
Immediately notify the appropriate Police authority and obtain a Crime reference number and a copy of the Police Crime report.

Contact the Administrator on 0870 444 1660 You will be sent a claim form. Complete the claim form FULLY and return to the Administrator in accordance with their instructions, and in any event within 30 days of the claim together with any requested supporting documentation including:
• Excess payment
• Police Crime Reference Number
• Any other requested documentation.
• Proof of forcible entry

The Administrator will assess Your claim, and providing Your claim is valid, will authorise the replacement of the Telephone as appropriate.

Accidental Damage and Breakdown Claims

Contact the Administrator on 0870 444 1660 within 48 hours.

YOUR STATUTORY RIGHT OF CANCELLATION
You have a right to cancel this insurance by giving written notice of cancellation within 14 days of the receipt of Confirmation of Insurance Cover to the Administrator at P O Box 384 Fleet GU51 3ZW quoting Your Telephone number. If You do not exercise this right to cancel then You rights and those of the Insurer to cancel this insurance cover thereafter are set out in Section 5 (GENERAL CONDITIONS) above.

DATA PROTECTION ACT 1998
It is understood by You that any information provided to the Administrator and the Insurer regarding You will be processed by the Administrator and the Insurer, in compliance with the provisions of the Data Protection Act 1998, for the purpose of providing insurance and handling claims, if any, which may necessitate providing such information to third parties.

CLAIMS SERVICE
It is always the intention to provide You with a first class service when You make a claim. However, if You are not happy with the service please in the first instance write to the Managing Director of the Administrator. If You are not satisfied with the response You may then ask the Complaints Department at Lloyd's of London 1 Lime Street, London EC3M 7HA to review Your case and ultimately You may contact the Financial Ombudsman Service South Quay Plaza, 183 Marsh Wall, London E14 9SR.

FINANCIAL SERVICES COMPENSATION SCHEME
The Financial Services Compensation Scheme will usually cover at least 90% of Your insurance benefits if the Insurers become insolvent or are unable to meet their obligations. Further details are obtained from the Financial Services Compensation Scheme website http://www.fscs.org.uk/ or by phone at 020 7892 7300. Alternatively, You may write to: Financial Services Compensation Scheme, 7th floor Lloyds Chambers, Portsoken Street, London E1 8BN.

Citymain Administrators Limited are authorised and registered by the Financial Services Authority.