Vodafone Business Insurance
Lifestyle Services Group Limited manages Vodafone Business Insurance, which is backed by ACE European Group Limited.
The contract for Vodafone Business Insurance is between you and ACE European Group Limited.
A plan designed specifically for Vodafone business clients who need coverage for theft, accidental loss, or fire is Vodafone Business Insurance.
Vodafone-bought Device damage coverage. An internet dongle, data card, PDA, tablet, or mobile phone might be your device.
There are two different policy types of coverage that you can select from based on your requirements:
Coverage for Business Insurance Damage (Damage Cover Only)
Business Insurance Plus – (Theft, Accidental Loss & Damage Cover)
The complete terms and conditions for this product are listed here. Make sure this insurance is covered by checking Your paperwork.
Get the right coverage for yourself. If you’re not sure what kind of coverage or policy you bought, you can find information about your airtime here.
contract or monthly invoice. Alternatively, our customer support team is available at 191 to help.
Which words mean what?
A. Unintended Damage refers to the physical breakage, destruction, or malfunction of Your Equipment as a result of an unexpected occurrence that causes it.
Prevents it from functioning properly. Accidental damage also includes harm caused by Your Equipment being in interaction with water and other fluids
B. Accidental Loss / Accidentally Lost refers to:
(I) You have mistakenly or unintentionally left Your Equipment somewhere, and it has since gone missing; or
(ii) You are unable to retrieve Your Equipment for good reason, even if its location is known.
(iii) You are unsure of how your equipment vanished.
C. “Administrator” refers to Lifestyle Services Group Limited Assurant House, 6-12 Victoria Street, Windsor, Berkshire, SL4 1EN.
D. “Equipment/Device” refers to any data device, tablet, or voice mobile phone that Vodafone has provided to you and which
Your Vodafone-approved SIM is included, but not if it has been taken out for a valid reason.
Downloads of media, material for car installation (battery covered), material for fixed installation, software, and content.
E. The term “excess” refers to the sum that You must pay through the airtime contract after each accepted claim.
F. Malicious damage refers to damage to Your Equipment that has been purposely inflicted.
G. ACE European Group Ltd. is what we/us/our refers to.
H. The term “you/your” refers to a business customer, as well as any individual or employee who has been given permission to utilize the Equipment.
Summary of main features
The key benefits and features that apply are listed in summary below:
Insurance protection for event business damages
(Only Damage Cover)
Additionally, Business Insurance Plus
(Coverage for Accidental Loss, Theft, and Damage)
This Policy Does Not Cover Theft Coverage; Instead, We Will Give You a New or Refurbished Device to a comparable requirement
The accidental loss benefit is not included in this policy; instead, we will replace it with a new or refurbished Device.
to a comparable specification Unintentional/Malicious Injury
We will try to fix Your Device after inspecting it.
Our initial choice. We will proceed if it cannot be fixed.
to replace it with a new or repaired device to a
comparable specifications
We will examine and try to fix Your Device as follows:
Our initial choice. We will consider other possibilities if it is not fixable.
to replace it with a new or refurbished Device to a comparable specification
Worldwide Coverage for Up to 30 Days Every Trip Cover for other users Anybody else who has permission from You to use the Device is also covered.
Covered Anyone who has Your permission to use the Device is also
covered Timeframe for replacement just applies to claims for damages:
We will need You to submit a claim for Damages.
before we can make a last decision, retrieve your device.
the judgment as to whether Your insurance covers the entire extent of the harm policy. We will send you your device in our
Following the workshop, a check will be conducted by a
competent mechanic.
If the Device has sustained damage that is not
covered by your policy (see exclusions section).
Vodafone may get in touch with You to discuss any problems (see below).
additional expenses not covered by Your insurance
to fix Your Device. The damage on If Your plan covers the inspection, We will fix it. or change your device Stock availability and this time frame are dependent on it.
Your delivery address.
Applicable to claims for theft or unintentional loss
just:
Where a claim for accidental loss or theft is successful
Created with the Administrator before 5 p.m., Our goal
is to provide You with a replacement Device throughout the
the following business day (excluding bank holiday from Monday to Friday)
holidays). We are able to provide You with a replacement
Our stock is subject to the device during this period.
Your mailing address and availability.
Applies only to claims for damages:
We will need the following information if you submit a claim for Damages:
to retrieve Your Device before We can make a
if Your insurance completely covers the damage, make a choice.
policy. We will send you a confirmation when we have received your device in our A review will be conducted by a workshop team.
skilled technician.
In the event that the Device has sustained damage that is not
covered under Your policy (see exclusions section)
To address any concerns, Vodafone may reach out to You at the contact information provided below.
additional charges that are not covered by Your insurance
for the repair of your device. The extent of the damage on
Your insurance covers inspection, so we will repair.
or exchange Your Device.
This period depends on the availability of inventory and
Where you will be receiving your delivery.
Get more support from Vodafone
You’ll also get these valuable benefits from Vodafone, alongside your Business Insurance
Unauthorized phone calls
(In addition to Business Insurance
exclusively for policyholders
Costs will be covered up to £1000 by Vodafone’s Business Insurance Plus coverage in the event of an accident.
A successful claim for an accidental loss or theft, provided Vodafone is informed within 24 hours of the incident.
event, in order to allow a bar to be placed on Your Device.
You may contact Vodafone on 191 from a Vodafone mobile or from any other phone in order to block Your phone and get this advantage.
03333 040191 from any other phone. Or, you may reach the administrator at 0333 304 3346.
call +44 7836 191 191 from any phone, and if you are outside, call +44 7836 191 191.
Courtesy Telephone Complimentary courtesy phone if the device requires an insurance repair.
You may only receive this service if you go to a Vodafone Store, depending on the device’s availability.
Tablets and dongles are not included in this service.)
Summary of Conditions and Exclusions Details of Exclusion/Condition
Claims for theft or unintentional loss regarding damage to commercial insurance Cover Claims for accidental loss or theft under the Business Insurance Damage Cover are not covered.
more than one claim for each month.
Any claim made within 30 days of the incident date of a prior successful claim via customer phone Amount Where a customer has switched their Device without notifying Vodafone of the change, there has been a change in the Device claims.
Accessories The battery is included, but all other accessories, such as memory cards, chargers, and protective cases, are not.
and so on are not included.
Excess The quantity of extra money You must contribute to a winning claim
Unintentional/Damage Accidental harm not reported to the Administrator within 14 days Intentional Harm Failure to inform the Administrator of Intentional Harm within 72 hours Break down the cost of repairs covered by any manufacturer’s warranty.
Three claims each year Your coverage will immediately terminate if three claims are approved in a 12-month period.
month-long duration.
Price of Your Cover
The cost of Your monthly premium is determined by the kind of coverage you have selected. This can be found on Your invoice, monthly statement, or by consulting along with a Yoursales counselor.
Monthly Policy Coverage high-end The amount of the excess that may be paid for each claim Damage Cover for Business Insurance Damage Only £5.00* £25 (Applicable to all Devices except iPhone/iPad)
50 GBP (Only applies to iPhone/iPad devices)
Additionally, business insurance covers theft and unintentional loss.
and harm £9.00* £50 (Applicable to all Devices)
Exclusions
- General
The costs of any subscription fees, loss of use, or reconnection, as well as any costs you incur as a result of not being able to utilize Your
Any losses, including those for equipment repairs or replacement.
b. The price of:
(i) Fees for which the manufacturer, provider, or distributor is responsible under the terms of their standard contract.
duties.
(ii) Any procedure of cleaning, repairing, modifying, restoring, delaying, seizing, or detaining by order of any government official or member of the public
Police powers.
c. Theft, unintentional loss, or harm that is directly or indirectly brought about by:
(i) War, invasion, act of foreign enemy hostilities (whether war be declared or not), civil war, revolt, revolution, insurrection, or
nationalization, confiscation, requisition, seizure, or destruction by the government or any member of the public, whether by military force or by seizing power.
power;
(ii) Ionizing radiation or radioactive contamination from any nuclear waste resulting from the combustion of nuclear fuel or the
any explosive nuclear assembly or component thereof’s radioactive, poisonous, explosive, or other dangerous characteristics;
(iii) Pressure waves produced by planes or other aerial equipment moving at sonic or supersonic velocities;
(iv) Terrorism, regardless of any additional factors or incidents that may have caused the Loss at the same time or in any other order. For the purpose of this definition, terrorism includes any act of terrorism that occurs independently of any other cause.
For the purpose of this exclusion, terrorism is defined as any action that involves, among other things, the use of force or violence or the threat of its use.
regardless of whether someone is acting alone or on behalf of or in connection with any government or organization
committed for political, religious, ideological, or other comparable reasons, such as attempting to sway a government or impose
the populace or any subset of the population that is afraid
d. All other accessories, such memory cards, protective cases, chargers, and so on, are not included, but the battery is. - Theft
Theft of Your Equipment, assuming that Your Vodafone approved SIM was not present at the time of the incident, unless the SIM has been
taken off of Your Equipment for acceptable and short-term reasons;
b. Unless there are mitigating circumstances, the theft of your equipment must be reported to the Administrator within 72 hours of its discovery.
apply;
c. Theft from a car, unless there is clear evidence of forced entry, and Your Equipment has been kept in the glove compartment.
or boot of a car. Evidence will be needed that the automobile has been broken into by force;
d. theft from any property without any indication of a break-in or break-out;
e. Theft of your stuff that you purposefully left away from you, unless you made reasonable precautions
f. Theft that is not reported to the authorities within 72 hours of the discovery, unless there are mitigating circumstances; - Unintentional Loss
If your equipment, which was not equipped with your Vodafone authorized SIM at the time of the incident, is lost by accident, unless the SIM
has been taken out of Your Equipment for legitimate and transient reasons;
b. Loss of Your Equipment if it is intentionally left away from Your person unless there is a good reason for doing so.
Your Equipment was protected by precautions.
c. Any unintentional loss of your equipment that is not reported to the Administrator within 72 hours of discovery, unless there are mitigating circumstances.
circumstances are applicable. - Harm
a. Any cosmetic harm to Your Equipment, such as scratches or chips on the inside or outside paintwork, is considered cosmetic damage.
painted or polished surfaces;
b. Any harm to Your Equipment caused by Your failure to maintain it in good operating condition;
c. Unless extenuating circumstances exist, any unintentional damage to your equipment that is not reported to the Administrator within 14 days after discovery.
the conditions are applicable.
d. Any intentional harm to your gear that you fail to report to the administrator within 72 hours of discovering it, unless there are extenuating circumstances.
The situation applies;
e. Any malicious harm to your gear that you don’t report to the police within 72 hours of finding it, unless there are extenuating circumstances.
circumstances apply;
f. Any harm to Your Equipment resulting from wear and tear, depreciation, bugs, vermin, fungus, or atmospheric or climatic conditions
gradually functioning circumstances;
g. any harm brought about by Your Equipment’s inability to accurately identify data representing a date in a manner that renders it unusable
appropriately or not at all;
h. Any harm to Your Equipment brought about by a virus. The term “virus” in this exclusion covers Trojan horses, worms, logic bombs, and other viruses.
any software or program that blocks the functionality of Your Equipment’s operating system software or content downloads, including bombs.
whether correctly or not
Making a claim
If your gadget has
been:
Step 1 Step 2
If a customer’s phone has been stolen, they should contact the Administrator to have it blocked and report it.
claim. You should file this claim as soon as you find it, and at the latest within 72 hours.
whenever feasible.
The police must be informed by customers
to commit a crime within 72 hours
Reference number.
By chance Lost To block the phone and report their concerns, customers should contact the Administrator.
claim. You must submit this claim as soon as possible after you find out, but no later than 72 hours.
if feasible.
N/A
With malice Broken
Customers should notify the Administrator of their claim by phone within 72 hours. of discovery, when feasible.
The cops must be informed by the customers.
to commit an offense within 72 hours number of reference
By chance Broken Within 14 days of making a claim, customers should notify the Administrator.
Finding, when feasible.
N/A
To advance Your claim, you may be required to fill out a claim form or provide more details. If you don’t, the following will happen:
Your application not being handled. From any phone, just dial 0333 304 3346 or, if you’re outside, dial +44 7836 191 191.
General Terms & Conditions
a. Coverage duration
The initial term of coverage will be at least three months. After this, your policy will renew itself automatically on a monthly basis.
unless the airtime contract specifies that you pay the necessary premium or unless it is canceled during the maximum period of 59 months
The coverage expires if there are three claims during any rolling 12-month period, in accordance with Our terms. You are welcome to contact us if you have any queries about the policy.
Your rights and benefits under your policy will cease instantly upon termination of your Vodafone airtime contract.
without any warning.
b. Compensation
In our opinion, we have the option of either repairing or replacing Your Equipment with an equivalent specification that is as near as possible.
c. Acceptable safeguards
You must take all reasonable steps to safeguard Your Equipment and maintain it in good working order.
d. Lying
(i) In the event that you or someone representing you files a claim under your policy that you know to be untrue or fraudulent, you have committed fraud.
exaggerate in any way or make a statement in favor of a claim knowing that the statement is untrue in any manner.
knowing that a paper is in any way fabricated or fake, either respect or submit it in support of a claim, or
file a claim for any theft, unintentional loss, or damage brought about by your intentional behavior or with the purpose of doing so.
If You commit fraud against us, we will reject your claim and terminate your insurance without warning and without giving you a refund.
top-notch;
(ii) We might have the right to get compensation from you for the cost of any claims we have previously paid under your coverage (if necessary, the cost).
through the initiation of legal actions). We may also be entitled to reclaim from you the
the expense of any investigation into a fraudulent claim under Your policy, which may be recouped through
the initiation of court actions) and;
iii) We may provide the facts to the Police, Government, or regulatory authorities. The specifics of any fraudulent claims will be disclosed.
Establish a register of claims via which insurers exchange data in order to deter false claims. A list of
The names and addresses of the participants are available upon request.
e. The policy automatically expires.
The policy will immediately terminate if three successful claims are submitted within any rolling 12-month period, and We
I will write to You to make sure this has occurred.
f. Making a statement
If at all feasible, You should do the following right away after finding any occurrence that You are required to report for under Your policy:
If at all possible, report any theft or malicious damage to the police (or, if you are outside of the country, the local equivalent of).
to the Police) within 72 hours after learning of the Theft or Malicious Damage, and request a crime reference number or a
Call 0333 304 3346 to reach the Administrator, or, if necessary, file a police report.
calling from outside the country at +44 7836 191 191.
If there is an Accidental Loss claim covered by this policy, contact the Administrator as soon as possible, but no later than 72 hours.
hours after the unintentional loss was discovered. You can do this by contacting the Administrator at 0333 304 3346, or if you
calling +44 7836 191 191 from overseas.
If at all feasible, notify the Administrator of any unintentional damage claims made under this policy, but at least no later than
fourteen days after the accidental damage was found. This may be accomplished by contacting the Administrator on 0333 304 3346 or if
When you call +44 7836 191 191, you are outside of the country.
When any event happens that would give rise to a claim under Your policy, Your policy’s requirements for Us to be liable are that Your policy’s conditions be met.
We or a licensed repairer chosen by us must fix or replace the equipment. You are responsible to us for any failure to do so.
any rights that would have been brought about by such claim are forfeited;
We will have the right to ask Vodafone to blacklist the equipment if you report its theft or unintentional loss.
The Equipment.
You may be required to fill out a Claim Form or submit more details in order for Your claim to advance. If you don’t, it might hinder the processing of your claim.
could lead to Your claim being rejected.
g. Your location and age
To purchase Your insurance, you must be at least 18 years old and live in the UK permanently at the time.
at the beginning of Your policy and throughout the duration of the insurance.
h. Notifying us of any changes to your equipment
Vodafone must be informed if you make any changes to your equipment. You can reach Vodafone by calling 191 from a Vodafone Mobile or 08700.
700 191* from any other phone. We will not be responsible for the cost of repairing or replacing any equipment not registered with
Vodafone under Your insurance.
I. Ending Your Coverage
From the later of the following, You may cancel Your policy for a period of 14 days:
(i) The Day You are notified that Your coverage has begun.
or
(ii) The date you get the complete terms and conditions of your policy. You will receive the notice to cancel on that day.
Unless we have previously received notification of a claim, you will get a refund of any premiums you have already paid. You must get in touch with
From any other phone, use 08700 700 191* or write to Vodafone Limited, PO Box 191, Vodafone, or Vodafone Mobile.
Newbury Berkshire RG14 2DQ, Box 549.
You or We may terminate Your coverage after the first 14 days by giving each other 30 days’ notice. The premium will not be reimbursed by us.
through the period Your policy was legitimate before to any such cancellation, including any required minimum initial period.
j. Revisions to Your Policy
The premium, excess charges, claims, and other aspects of the terms and conditions of your policy may be subject to change.
procedures or cancellation rights for upcoming coverage periods, giving you at least 30 days’ notice at any time.
k. What should you do if you are dissatisfied with our service?
We are committed to giving You the best possible service, and we want to keep it that way at all times. If You believe that We have not
You would like to ask about this insurance or Our Administrator has offered you first-rate service, please do so by contacting them at
You can reach them by phone at 0333 304 3346, by email at Vodafone.insurancecomplaints@lifestylegroup.co.uk, or by writing to them at: Vodafone
Insurance, Lifestyle Services Group Limited, PO Box 98, Blyth, NE24 9DL.
Within 24 hours, the Administrator will make an effort to address Your worries. If they are unable to do so, they will recognize Your issue.
and give a last answer within 8 weeks of getting it. You may be able to contact the Financial
If you are still unhappy, use the Ombudsman Service (FOS). You must get in touch with the FOS within six months of receiving the last response.
from the Administrator. Their contact information is as follows: Exchange Tower, Harbour Exchange Square, Financial Ombudsman Service,
Telephone: +44 (0) 800 023 4567 from most landlines, charges may apply from a mobile phone. Address: London, E14 9SR
(0) 300 123 9 123 (The cost of calls made from a mobile phone is the same as that of calls made to 01 or 02 numbers.)
Email: complaint.info@financial-ombudsman.org.uk Website: www.financial-ombudsman.org.uk Your rights as a client to
take legal action while continuing to be unaffected by the use or existence of any complaints procedures mentioned above.
l. Your insurance provider
ACE European Group Ltd, whose primary line of business is general insurance, underwrites this insurance.
Registered Office 100 Leadenhall Street, London, EC3A 3BP, England is the location of the registered office of Limited Registered No 01112892, and
Licensed by the Prudential Regulation Authority and supervised by the Financial Conduct Authority and the Prudential
Firm Reference Number 202803 of the Regulatory Authority.
LSG, who is licensed and supervised by the Financial Conduct Authority, will handle Claims and Complaints under Your policy.
Firm reference number 315245 is the authority.
Complete details about both Us and the Administrator can be found on the FCA’s website at
by calling the FCA on 0800 111 6768 or by registering at http://www.fsa.gov.uk/register/home.do
m. Specifics about compensation plans
You may be eligible for compensation under the Financial Services if, in the unlikely scenario that We are unable to satisfy Our obligations.
Plan for compensation.
Their contact information is: Financial Services Compensation Scheme, 10th Floor, Beaufort House, 15 St. Botolph Street, London.
Tel: 0800 678 1100 Fax: 020 7741 4101 EC3A 7QU
maintaining the privacy of your personal information
The data submitted throughout the creation and execution of Your policy will be used by ACE, Vodafone, and the Administrator for
fraud prevention, claim payment, customer services, and policy administration, including disclosing information to other insurers and
agencies that regulate. The Administrator, Vodafone, and ACE may share information with its subsidiary businesses, service providers, and other regulatory bodies.
agents and suppliers for these reasons. ACE will keep all of Your personal information confidential.
The Administrator, Vodafone, and its sister businesses, service providers, agents, and suppliers. It will not be revealed to
except when allowed by law or regulatory requirements, or to any other third party unless Your consent has been obtained.
help prevent and identify fraud. Your personal information may be sent by ACE to a nation outside of the United States.
European Economic Area (EEA) in accordance with the aforementioned goals. If ACE moves Your data outside the EEA, it will do so at its own discretion.
measures to maintain the protection of Your privacy rights in compliance with the provisions of the Data Protection Act
Act of 1998. In which you have given details about another person in relation to the buying and execution of Your
policy You verify that they have chosen You to represent them and that they have given their agreement to the use of their personal information.
data, and they have given their permission for their information to be shared overseas. Additionally, you agree to accept on their behalf any information.
ACE protection notifications. Those whose information has been provided to Vodafone, ACE, or the Administrator have a
the right to request a duplicate of that data and to have any errors rectified. To facilitate telephone conversations, they may be recorded.
for the purpose of staff training and ensuring that procedures are followed accurately.
o. Which laws are applicable?
English law will govern this policy. This insurance is subject to English law, and all correspondence between you and me will be in English.
English
p. Additional Fees and Taxes
We must inform Additional taxes or expenses that We do not levy or bill may be present.