Insuring your customer's hand held gadgets in and away from the home
This policy will protect your customer's hand held gadgets up to a maximum value of £1,000 per clam and for a maximum 2 claims within any 12 month period. In addition, you can extend the cover to also include mobile phones or PDAs. If you do these are insured up to a maximum value of £400 and for a maximum 2 claims within any 12 month period. The policy is available as a discounted extension to a 3XD home insurance policy, or as a stand alone policy. The policy provides cover for the following risks: - Accidental Damage
- Accidental Loss
- Theft
- Breakdown
The main exclusions on the household extension policy are: - The first £25 of each claim for theft or accidental damage
- The first £50 of each claim for accidental loss
- Any gadget more than 36 months old when the policy started
The main exclusions on the stand alone policy are: - The first £40 of each claim for theft or accidental damage
- The first £60 of each claim for accidental loss
- Accidental Loss for items other than mobiles
- Accidental Loss of iPhones
- Any gadget more than 36 months old when the policy started
The policy provides cover anywhere in the United Kingdom and also offers worldwide cover for up to 60 days in any 12 month period. The gadgets that can be insured by this policy can be any of the following; satellite navigation unit, iPod, MP3 player, laptop, camera, portable DVD player; portable gaming consoles, tablet, iReader or LCD monitors. If you extend the cover you can also include mobile phones or PDAs. Important Note: Unlike many competitor products (and to keep things simple) you do not need to specify the items that you insure on the policy. For example, if the customer changes their MP3 player or mobile phone, the new model will automatically be covered. The extension to home insurance is ideal if the customer wants to protect higher risk gadget items (or items taken away from their home by their children) without putting their no claims discount at risk. If a claim is made on the separate gadget cover, the no claims discount on home insurance would not be affected. This page is only intended for use by 3XD registered intermediaries.
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