WE DO MORE THAN JUST DJ INSURANCE! by bfo64690

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									WE DO MORE THAN JUST DJ INSURANCE!
JLT | Online has a range of insurance products for leisure, pleasure and life! You can see our current
list of products on our website – www.jltonline.co.uk

                 – insuring the UK’s mobile phones                 – insuring the UK’s laptops




          – insuring the UK’s gadgets and gizmos                    – public liability insurance




          – insuring the UK’s musicians                                – insuring the UK’s orchestral musicians




                        – insuring the UK’s young musicians       – insuring the UK’s photographers




              – professional indemnity for UK photographers      – insuring the UK’s cyclists




               – insuring the UK’s young cyclists                – insuring the UK’s golfers




                                                                                               JLTO/DJG/01/10/07    information about your insurance
                                                                                                                   information about your insurance
Policy Wording                                                                                                                    Section 1
DJ Guard                                                                                                                          DEFINITIONS
Certificate Of Insurance                                                                                                           1.1    Accident - means a sudden and unexpected event which happens by chance during the Period Of Insurance
                                                                                                                                  1.2    Accidental Damage - means the sudden and unforeseen accidental damage to the item of Property Insured or
Arranged by JLT | Online                                                                                                                 third party property not otherwise specifically excluded from this certificate of insurance
with UK Underwriting Limited on behalf of                                                                                         1.3    Bodily Injury - means death or identifiable physical injury
AXA INSURANCE UK PLC                                                                                                              1.4    Breakdown - means a mechanical, constructional, electronic or electrical fault, and/or derangement, or a defect in
                                                                                                                                         operation, which stops the Property Insured fulfilling its intended purpose
Introduction                                                                                                                      1.5    Collection - means more than 5 items of the same type which are made up of either CD’s, vinyl records, tapes, mini
DJ Guard is underwritten by UK Underwriting Ltd on behalf of Axa Insurance UK Plc. This certificate of insurance gives                    disks, DVD’s or karaoke tapes
You a full explanation of Your cover. Please read this carefully to avoid any misunderstanding and check all the details are      1.6    Commencement Date - means the date Your cover shall start as shown in Your Schedule as the
correct and that You have the protection You need and know what to do should You need to claim.                                          “commencement date”
Please notify Us of any material change in Your circumstances. Failure to do so may invalidate Your cover. We have tried          1.7    Depreciation – means for Laptops the following deductions will be made from the Sum Insured for wear and tear
to make this document easy to understand, but if You have any questions please call Us on 02476 851000, or write to Us at                for items that are older than 18 months from the date of original purchase new:
the address shown in Section 9.                                                                                                          Up to 18 months = Nil
                                                                                                                                         Over 18 months and up to 36 months = 25%
Law Applicable to the Contract                                                                                                           Over 36 months and up to 60 months = 50%
Under United Kingdom law the parties to this insurance contract have the right to choose the law which should apply. In the              Over 60 months = 100%
absence of any agreement to the contrary English law will apply.                                                                  1.8    Endorsement - means any terms and conditions additional to this certificate of insurance and specified in
                                                                                                                                         the Schedule
                                                                                                                                  1.9    Evidence of Ownership - means original purchase receipt, showing the date, price paid, details of the Property
How to Read Your DJ Guard certificate of insurance                                                                                        Insured and name and address of seller, or other evidence which clearly demonstrates ownership
You need to be aware that all insurance certificates are subject to certain exclusions and conditions. It is therefore essential   1.10   Excess – means
that You are aware of what is covered and what is not and any security requirements and conditions You need to comply                    a) any compulsory amount shown in Your Schedule by Endorsement; and/or
with. For simplicity, We use keywords or phrases which are shown in Definitions and these are listed in alphabetical order.               b) the first £50 for each and every item where an additional Premium has been paid to extend cover under
They have the same meaning whenever they appear and will always be shown in bold with an initial capital letter so as to                      Section 2.8 for Breakdown; and/or
remind You of their importance.                                                                                                          c) the first £500 of each and every claim arising from damage to third party property under section 2.6 for
                                                                                                                                              Public Liability
To help You understand the cover provided We have laid out section 2 under the following headings:-                                      Such amounts shall be payable by You
                                                                                                                                  1.11   Forcible and Violent Entry - means entry evidenced by visible damage to the fabric of the building, room, or
What is Covered – This text gives information about the cover provided                                                                   vehicle at the point of entry
What is Not Covered - This text draws Your attention to what is not covered                                                       1.12   Insured Location - means the brick or stone building of standard construction with a slate, tiled or multi layered
                                                                                                                                         roof where the Property Insured is usually kept, as stated on Your Schedule unless otherwise specified in
In addition You should also read the Security Requirements, General Exclusions and Conditions which appear in sections 3,                an Endorsement
4 & 5.                                                                                                                            1.13   Laptops – means portable laptop computers and notebooks
                                                                                                                                  1.14   Laptop Accessories – means adaptors, cards, cases, data storage devices, input devices, networking accessories,
Your certificate of insurance should be read in conjunction with Your Schedule of insurance, as together they form the basis              docking stations, security devices and webcams that are used with Your Laptop
of Your insurance contract.                                                                                                       1.15   Locked Luggage Compartment - means
                                                                                                                                         (a) a locked car boot
Signed on Behalf of UK Underwriting Ltd                                                                                                  (b) a locked rear storage area of a hatch-back, four-wheel drive, estate car, MPV or SUV subject to a factory
                                                                                                                                              fitted cover being in place, and where not available, kept out of sight
                                                                                                                                         (c) a locked rigid bodied van, mini bus or campervan providing the windows have been obscured and providing
                                                                                                                                              the item of Property Insured is in a compartment of the vehicle not accessible from the driver’s area or,
                                                                                                                                              where the compartment is accessible, kept out of sight.
                                                                                                                                         (d) a rigid body fully enclosed trailer attached to a vehicle by a shackle bolt
                                                                                                                                  1.16   Loss - means any incident or event not otherwise specifically excluded in this certificate of insurance, which results
                                                                                                                                         in the Property Insured being permanently lost
                                                                                                                                  1.17   Loss Of Limb - means the physical separation of a hand at or above the wrist, or of a foot at or above the ankle and
                                                                                                                                         shall include the total and irrecoverable loss of use of one or both hands, or feet respectively
                                                                                                                                  1.18   Loss Of Sight - means the total and irrecoverable loss of sight in an eye
                                                                                                                                  1.19   Material Fact(s) - means any fact, information or change in circumstances which would have a bearing on Our
                                                                                                                                         acceptance of Your cover or which may increase the possibility of Loss, Theft or Accidental Damage covered by
Paul Smith
                                                                                                                                         Your certificate of insurance
Managing Director
                                                                                                                                  1.20   Period Of Insurance - means the period specified in Your Schedule
UK Underwriting Limited
1.21   Permanent Total Disablement - means a disability lasting at least 12 calendar months which entirely prevents You
       from attending to any business or occupation of any kind and at the end of that period being beyond the hope of
                                                                                                                             Section 2
1.22
       improvement
       Policy Associate - means fellow musicians, music teachers, sound or lighting engineers, entertainers, and disc or     WHAT IS COVERED AND SPECIFIC EXCLUSIONS
       visual jockeys who are named on Your Schedule other than You, and who have paid an additional Premium to
       extend the benefits of cover under 2.5 and 2.6 only                                                                    The Security Requirements, General Exclusions and Conditions which apply to Your DJ Guard certificate of insurance are
1.23   Premium - means the amount referred to as such on Your Schedule                                                       shown in sections 3, 4 & 5.
1.24   Property Insured - means the items listed in Your Schedule subject to the removable items limits shown in Your
       Schedule when removed from the Insured Location                                                                       2.1 Theft of the Property Insured (when not from a vehicle)
1.25   Rigid Bodied Case - means a case manufactured to full flight or semi flight specification and in the case of musical
       instruments, a purpose designed case where the interior has been formed to fit the musical instrument contained        What is Covered
       therein                                                                                                               Within the Territorial Limits
1.26   Schedule - means the schedule issued to You and any Endorsement attaching to it                                       We will at Our option, replace, or pay the cost of replacing the item of Property Insured, with a similar article of like kind,
1.27   Sum Insured - means the amount set out in Your Schedule                                                               functionality and quality.
1.28   Territorial Limits - means as a United Kingdom resident domiciled in the United Kingdom, cover is applicable
       anywhere in the UK.                                                                                                   What is Not Covered
       Subject to the payment of the required additional Premium cover is applicable                                         1.  Any claim under £100
       a) Anywhere in the European Union and up to 30 days Worldwide during any one Period Of Insurance                      2.  Any Excess and/or Voluntary Excess as shown in Your Schedule
       or                                                                                                                    3.  Theft when the Property Insured is in a locked room or locked cupboard away from the Insured Location unless
       b) Worldwide at any time during the Period Of Insurance as shown in Your Schedule.                                        access is by Forcible and Violent Entry and You have complied with Security Requirements 3.1b or 3.1c as
1.29   Terrorism - means an act - whether involving violence or the use of force or not - or the threat or the preparation       applicable
       thereof, of any person or group(s) of persons - whether acting alone or on behalf of or in connection with any        4.  Theft when the Property Insured is at the Insured Location unless involving Forcible and Violent Entry and You
       organisation(s) or government(s) which is designed to, or does intimidate or influence a de jure or de facto               have complied with Security Requirement 3.2
       government or the public or a section of the public, or disrupt any segment of the economy and from its nature or     5.  Theft when the Property Insured is Unattended
       context is done in connection with political, social, religious, ideological or similar causes or objectives          6.  Theft from an Unoccupied Insured Location
1.30   Theft - means the unauthorised dishonest appropriation or attempted appropriation of the Property Insured by          7.  Theft by a person or persons to whom the Property Insured is entrusted
       another person with the intention of permanently depriving You of it                                                  8.  Theft when hired out by You to any other person, unless You are in attendance
1.31   Unattended - means whilst the Property Insured is not being used or held by You or a responsible adult or You         9.  Theft from any building at the Insured Location which is not of brick or stone built construction with a tiled or multi
       are not in a position to prevent interference to the item of Property Insured other than when in the Insured              layer roof and securely locked, unless specified in an Endorsement
       Location, locked room or locked cupboard or Locked Luggage Compartment                                                10. The matching of any parts of a set or Collection, not the subject of Theft
1.32   United Kingdom - means England, Scotland, Wales, the Channel Islands, Isle of Man and Northern Ireland                11. Unexplained Theft
1.33   Unoccupied Insured Location - means an Insured Location which is a furnished dwelling, but has not been lived         12. Any claim higher than the removable items limit shown in Your Schedule when the Property Insured is away from
       in for more than 30 consecutive days                                                                                      the Insured Location
1.34   Value - means                                                                                                         13. Depreciation on Laptops and Laptop Accessories over 18 months old
       a) the usual new undiscounted replacement cost (including VAT) from a reputable dealer as at the
           Commencement Date of the Period Of Insurance, or
       b) for collectable, rare or vintage instruments/items having a Value greater than usual replacement cost new, a sum   2.2 Theft of the Property Insured when from a vehicle
           as evidenced by a valuation by a competent reputable source undertaken not more than 12 months before the
           Commencement Date of the initial Period Of Insurance of the item and thereafter every three years                 What is Covered
1.35   Voluntary Excess - means any amount shown in Your Schedule which shall be payable by You towards a claim,             Within the Territorial Limits
       but not applicable to sections 2.5 – Personal Accident, 2.6 – Public Liability, 2.7 – Hire of Equipment and           We will at Our option, replace, or pay the cost of replacing the item of Property Insured, with a similar article of like kind,
       2.8 - Breakdown                                                                                                       functionality, and quality.
1.36   We/Us/Our - means JLT | Online and / or UK Underwriting Ltd and / or Axa Insurance
       UK Plc                                                                                                                What is Not Covered
1.37   You - Your - means the insured person or any Policy Associate named in the Schedule who is a resident of the          1.  Any claim under £100
       United Kingdom                                                                                                        2.  Any Excess and/or Voluntary Excess as shown in Your Schedule
                                                                                                                             3.  Theft by a person or persons to whom the Property Insured is entrusted
                                                                                                                             4.  Theft when You have not complied with Security Requirement 3.3
                                                                                                                             5.  Theft when access has not been made by Forcible and Violent Entry
                                                                                                                             6.  Theft of a rigid bodied trailer containing the Property Insured unless the vehicle is stolen at the same time and
                                                                                                                                 subject to security requirement 3.3(j)
                                                                                                                             7.  The matching of any parts of a set or Collection, not the subject of Theft
                                                                                                                             8.  Unexplained Theft
                                                                                                                             9.  Any claim higher than the removable items limit shown in Your Schedule
                                                                                                                             10. Depreciation on Laptops and Laptop Accessories over 18 months old
                                                                                                                             11. When the Property Insured is not in a Locked Luggage Compartment of a vehicle
2.3 Accidental Damage to the Property Insured                                                                                        2.5 Personal Accident
What is Covered                                                                                                                      What is Covered
Within the Territorial Limits.                                                                                                       Within the Territorial Limits.
We will at Our option, repair to its prior level of functionality or replace, any part, or, if beyond economic repair, replace the   We will pay the amount shown below if at any time whilst You or any Policy Associate named in the Schedule are using
Property Insured with a similar article of like kind, functionality and quality. Where the Property Insured is economical to         an item of musical, entertainment, sound or lighting equipment, You are involved in an Accident, which shall solely and
repair but the parts required are obsolete We will pay a cash settlement equivalent to the cost of the repair of the                 independently of any other cause, cause Bodily Injury which results in either Your death, Loss Of Limb, Loss Of Sight or
Property Insured.                                                                                                                    Permanent Total Disablement.
                                                                                                                                     The amounts We will pay under this section are:
What is Not Covered                                                                                                                  •     Loss Of Limb                      £5,000
1.  Any claim under £100                                                                                                             •     Loss Of Sight                     £5,000
2.  Any Excess and/or Voluntary Excess as shown in Your Schedule                                                                     •     Permanent Total Disablement £10,000
3.  When Accidental Damage is sustained in transit when handed to a recognised transport provider, unless the                        •     Death                             £10,000
    Property Insured is securely packaged in a purpose designed Rigid Bodied Case                                                    Benefit under this section shall be payable to You or Your nominees, and shall be limited to a maximum of £10,000 per
4.  Instruments and fragile electronic items in any vehicle accompanied by You or Your representative, unless in a Rigid             person. This cover is provided for You and any Policy Associate named in the Schedule
    Bodied Case
5.  When hired out by You to any other person, unless You are in attendance                                                          What is Not Covered
6.  When the Property Insured is Unattended                                                                                          1. When You are under 16 or over 85
7.  Accidental Damage to leads and cables                                                                                            2. Permanent Total Disablement Benefit when over 65
8.  Wear and tear, gradually operating causes, wet or dry rot, atmospheric or climatic conditions, frost, insect and vermin          3. Suicide, attempted suicide or intentional self-injury or deliberate exposure to exceptional danger (except in an attempt
9.  Marring, scratching, denting other than to musical instruments                                                                       to save human life), or insanity or Your own criminal act
10. Corrosion, rust, change in temperature, dampness, dryness, shrinkage, evaporation, contamination, change in colour               4. When directly or indirectly resulting from stress, trauma or psychiatric illness
    or finish, dust, chemical action or reaction                                                                                      5. Any benefit when Your death, injury or loss does not occur within 180 days of the Accident
11. Mechanical, electronic or electrical breakdown and/or derangement unless fire ensues immediately                                  6. Any benefit when You cannot prove to Us that the Permanent Total Disablement has continued for 12 months from
12. Defects in operation                                                                                                                 the date of the Accident and in all probability will continue for the remainder of Your life
13. Failure to use or maintain the Property Insured in accordance with the manufacturers instructions                                7. More than one benefit under this section
14. Faulty or defective design, materials or workmanship or latent defect                                                            8. Any Accident not involving the use of an item of musical, entertainment, sound or lighting equipment
15. The matching of any undamaged parts of set or Collection
16. Any claim higher than the removable items limit shown in Your Schedule when the Property Insured is away from
    the Insured Location
                                                                                                                                     2.6 Public Liability
17. Depreciation on Laptops and Laptop Accessories over 18 months old and beyond economical repair
                                                                                                                                     What is Covered
                                                                                                                                     Within the Territorial Limits
2.4 Loss                                                                                                                             We will, in respect of the amount shown in the Schedule which You and any Policy Associate named in the Schedule
                                                                                                                                     become legally liable for, pay for accidental Bodily Injury, death, disease, or Accidental Damage to any person or
What is Covered                                                                                                                      Accidental Damage to third party property which arises from Your use of or ownership of musical, entertainment, sound
Within the Territorial Limits.                                                                                                       or lighting equipment, providing You are a resident of the United Kingdom. The total amount payable includes reasonable
We will at Our option replace, or pay the cost of replacing the item of Property Insured with a similar article of like kind,        defence costs and expenses incurred by You with Our written consent in connection with any liability insured under this
functionality and quality.                                                                                                           certificate of insurance.

What is Not Covered                                                                                                                  What is Not Covered
1.  Any claim under £100                                                                                                             1. When You are under 16 or over 85
2.  Any Excess and/or Voluntary Excess as shown in Your Schedule                                                                     2. An Excess of £500 for each and every claim arising from damage to third party property
3.  Unexplained Loss                                                                                                                 3. Liability arising from loss or damage to property which belongs to You or is in Your care, custody or control
4.  When hired out by You to any other person, unless You are in attendance                                                          4. Where You are entitled to indemnity from another source
5.  When the Property Insured is Unattended                                                                                          5. When punitive, exemplary or aggravated damages are awarded against You
6.  The matching of any parts of a set, or Collection not forming part of the Loss                                                   6. Indemnity under this Section in respect of injury, loss, damage, cost or expense of whatsoever nature directly or
7.  Any claim higher than the removable items limit shown in Your Schedule when the Property Insured is away from                        indirectly caused by, or resulting from or in connection with any act of Terrorism
    the Insured Location                                                                                                             7. Any liability for Bodily Injury, loss or damage
8.  Depreciation on Laptops and Laptop Accessories over 18 months old                                                                    a) To Your employees or members of Your family or household or to their property
                                                                                                                                         b) Arising out of or in connection with Your trade, profession or business, or assumed under contract other than that
                                                                                                                                             of musician, music teacher, sound or lighting engineer, entertainer, disc or visual jockey
                                                                                                                                         c) Arising out of the ownership, possession, use or occupation of land or buildings
                                                                                                                                         d) Arising out of the ownership, possession or use of motorised vehicles, yachts or motorised waterborne craft,
                                                                                                                                             airborne craft of any description, animals or firearms and weapons
                                                                                                                                     8. Any liability not involving the use of an item of musical, entertainment, sound or lighting equipment
2.7 Hire of equipment                                                                                                            Section 3
What is Covered
Within the Territorial Limits.
                                                                                                                                 SECURITY REQUIREMENTS
We will pay for the hire of alternative equipment from a recognised reputable dealer whilst awaiting repair or replacement of
Property Insured when the subject of an approved claim
                                                                                                                                 3.1 Security Requirements where the Property Insured is away from the Insured Location

What is Not Covered                                                                                                              Accidental Damage, Theft or Loss of the Property Insured whilst the item of Property Insured is away from the Insured
1.  More than 10% of the Sum Insured or £250 whichever is the lesser for each item to a maximum of £3,000 during any             Location shall only be covered in circumstances where:
    one Period Of Insurance
2.  When the claim has not been approved                                                                                         a)    The item of Property Insured is not left Unattended; or
3.  Where Our prior authority has not been obtained                                                                              b)    The item of Property Insured is inside a locked room or locked cupboard, and any security devices have been made
4.  Where the hire costs are greater than a normal charge through a recognised supplier of temporary                                   operational
    replacement equipment                                                                                                        c)    The item of Property Insured is kept temporarily for a period of not more than 72 hours at any one time in a place of
                                                                                                                                       entertainment, and has been handed to a proprietor or manager for safekeeping, and kept in a secure locked room,
                                                                                                                                       with security devices having been made operational.
2.8 Breakdown of the Property Insured
This section only applies if the required additional Premium has been paid and the cover is shown on                             3.2 Security Requirements at the Insured Location
Your Schedule
                                                                                                                                 Accidental Damage, Theft or Loss whilst the item of Property Insured is at the Insured Location shall only be covered in
What is Covered                                                                                                                  circumstances where:
Within the Territorial Limits covering any electronic item up to seven years old from date of manufacture, and all guitars
and basses (including electric) and all musical instruments specified on Your Schedule.                                           For Property Insured with an aggregate Value of over £15,000
We will at Our option repair to the previous level of functionality or replace if beyond economic repair, where the Property     (a)   The security at the Insured Location shall be a minimum of a 5 lever mortice deadlock conforming to BS3621, 5 lever
Insured has failed due to a mechanical, constructional, electronic or electrical Breakdown, and/or derangement, or a defect            padlock or 5 lever locking device on all external doors and
in operation, and pay the cost of transport to and from Our appointed repair specialists. Where the Property Insured is          (b)   Key operated window locks to all accessible windows at the Insured Location, or
economical to repair but the parts required are obsolete We will pay a cash settlement equivalent to the cost of the repair of   (c)   Such locks be fitted to the doors and windows of room(s) in which the Property Insured is kept, and
the Property Insured.                                                                                                            (d)   All security devices must be in operation when there is no adult in the Insured Location
What is Not Covered                                                                                                              For Property Insured with an aggregate Value of over £30,000
1.  An Excess of £50 for each and every item                                                                                     In addition to 3.2(a) to (d) above:
2.  Where the Property Insured is still the subject of a manufacturers warranty
3.  Failure to use or maintain the Property Insured in accordance with the manufacturers instructions                            (e)   A minimum of a Nacoss approved alarm
4.  The use of faulty computer software (other than firmware), accessories, computer tapes, floppy disks and computer
    viruses, and non proprietary expansion cards                                                                                 For Property Insured with an aggregate Value of over £50,000
5.  Faulty or defective design, materials or workmanship, or latent defect                                                       In addition to 3.2(a) to (e) above:
6.  When an additional Premium has not been paid
7.  Damage to non-working parts such as cabinet trim and fittings and change in colour of finish                                   (f)   The alarm referred to in 3.2(e) must be maintained under an agreement with a Nacoss approved installer or another
8.  Damage caused by foreign objects or substances not normally associated with the product                                            contractor approved by Us in writing
9.  Repairs carried out by persons not authorised by Us or without Our prior approval                                            (g)   The alarm must be connected to a police station and an alarm receiving central station by Redcare or another central
10. Any routine maintenance, cleaning, blockage removal, tuning, realignment, modification or installation                              monitoring system approved by Us in writing
11. Charges where a fault covered by warranty cannot be found with the product                                                   (h)   The alarm must be in full and effective working order and in the event of notification of activation a key holder shall
12. When products have been purchased outside of the United Kingdom                                                                    attend without delay
13. Any electronic items (excluding electric guitars and basses) aged over 7 years from date of manufacture                      (i)   In the event of any notification from the police, alarm installer/maintenance company, local authority or central
14. Failure of leads and cables                                                                                                        monitoring station, that their services are withdrawn or suspended, You must notify Us within one working day, and
15. Wear and tear, gradually operating causes, wet or dry rot, atmospheric or climatic conditions, frost, insect and vermin            comply with any requirements stipulated by Us in order to ensure the continuance of cover
16. Corrosion, rust, change in temperature, dampness, dryness, shrinkage, evaporation, contamination, change in colour
    or finish, dust, chemical action or reaction                                                                                  Any further additional security requirements at the Insured Location as may be required and specified by an
17. Depreciation on Laptops and Laptop Accessories over 18 months old and beyond economical repair                               Endorsement in Your Schedule.
3.3 Security Requirements for Vehicles                                                                                                    (f)   •     war or invasion; or
                                                                                                                                                •     Terrorism; or
Theft whilst the item of Property Insured is in a vehicle shall only be covered in circumstances where:                                         •     acts of foreign enemies; or
                                                                                                                                                •     hostilities (whether or not war has been declared); or
(a)   The Property Insured is stored in a Locked Luggage Compartment                                                                            •     civil war; or
(b)   All doors, windows and other openings of the vehicle are left closed, securely locked and properly fastened;                              •     rebellion, revolution, insurrection; or
(c)   Access to the vehicle must have been by Forcible and Violent Entry                                                                        •     military or usurped power
(d)   All security devices installed in the vehicle are in operation and                                                                        •     ionising radiation or contamination by radioactivity from any nuclear fuel, or from any nuclear waste from
(e)   When Property Insured exceeds £15,000 in the aggregate or an individual item exceeding £3,000, the vehicle must                                 burning of nuclear fuel, or
      be fitted with a Thatcham category 1 or 2 alarm/immobiliser                                                                                •     the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or
(f)   If the alarm/immobiliser is not factory fitted, it must have been installed by a member of the Vehicle Security Installation                     nuclear component thereof
      Board, and evidence of such must be provided in the event of a claim                                                                      •     pressure waves from aircraft or other aerial devices traveling at supersonic speeds
(g)   When You are outside of the United Kingdom, and it is impossible to comply with the Thatcham security requirements                        •     willful, self inflicted injury or illness; or
      specified in 3.3(e), 3.3(k) or 3.3(l) in respect of loaned, hired or borrowed vehicles Theft shall only be covered if the                  •     suicide or an attempt to commit suicide; or
      vehicle is fitted with a factory fitted alarm or immobiliser and evidence of its existence must be provided in the event of                 •     willful exposure to danger, except in an attempt to save a human life;
      a claim.                                                                                                                                  •     solvent abuse; or
(h)   Where possible, when at the Insured Location, the Property Insured must be removed from Your vehicle and stored                           •     being under the influence of alcohol or drugs, except those prescribed by a registered Doctor and not
      within the Insured Location.                                                                                                                    those drugs prescribed for drug addiction:
(i)   Any vehicle used must have                                                                                                                •     or You engaging in any illegal or criminal act
      • valid motor insurance;
      • a valid MOT certificate where applicable                                                                                     4.2   Any individual item not specified in the Schedule as Property Insured
      • current road tax where applicable; and
      • all windows and locks that are capable of rendering the vehicle secure                                                      4.3   Any liability in excess of the Sum Insured, or Value, whichever is the lesser

Requirements in addition to 3.3(a) to (i) for                                                                                       4.4   The Property Insured where Evidence of Ownership has not been provided
(j) Trailers - where in a locked rigid bodied trailer it must be attached to the vehicle by a shackle bolt
(k) Hatch - Back, four wheeled drive, estate car, MPV or SUV - where in a rear storage area of a hatch-back, four wheel             4.5   Any additional claims costs resulting from supply of equipment from outside the United Kingdom, when items are
    drive estate car, MPV or SUV a factory fitted cover must be in place and if not available, the Property Insured must                   unavailable in the United Kingdom or delivery is required to addresses outside of the United Kingdom
    be out of sight, and if the Value is less than referred to in 3.3(e) You must have a Thatcham approved Category 3
    steering lock immobiliser fitted to the vehicle unless 3.3(e) security is installed whether required or not                      4.6   Any individual item of Property Insured with a Value over £10,000 unless We have agreed cover and included the
(l) Van, mini bus or campervan - where in a rigid bodied van, mini bus or campervan the windows must be obscured                          item in the Schedule and specified any applicable Endorsement
    and the Property Insured must be in a compartment not accessible from the driver’s area or where the compartment
    is accessible, the Property Insured must be out of sight, and if the Value is less than referred to in 3.3(e) You must          4.7   Any consumable items such as strings, leads, cables, reeds, drum skins and Accidental Damage to cymbals,
    have a Thatcham approved Category 3 steering lock immobiliser fitted to the vehicle unless 3.3(e) security is installed                valves, speaker cones, bulbs, fuses, wiring failure, disks and software (unless the software is purchased new as
    whether required or not                                                                                                               a standard software package used exclusively for the production of music, and providing that it cannot be reinstated
                                                                                                                                          from a back up disk (any such back up disk must be kept in a separate location), and that any code (a record of


Section 4
                                                                                                                                          which must be kept by You) or protection device is no longer available or will operate, and sound cards (unless
                                                                                                                                          installed as part of the Property Insured and referred to in the Schedule)

                                                                                                                                    4.8   Any Laptops and Laptop Accessories in excess of 60 months old from the date of original purchase new
GENERAL EXCLUSIONS APPLICABLE TO                                                                                                    4.9   Collections of CDs, vinyl records, dats, mini disks, DVDs and karaoke tapes, except when there is a Loss of the
THE CERTIFICATE OF INSURANCE                                                                                                              entire Collection as a result of fire, flood or Theft, when We will at Our discretion replace all or part of any Loss and
                                                                                                                                          any un-replaced items be compensated by payment
4.1 This certificate of insurance does not cover any Accidental Damage, Loss or Theft or any expense whatsoever or
    any consequential loss or any legal liability of whatsoever nature, directly or indirectly caused contributed to by or
    happening through or in consequence of:

      (a)   any act of fraud or dishonesty by You or anyone acting on Your behalf;
      (b)   delay, confiscation, nationalisation or detention by Customs or other government or public authority;
      (c)   depreciation or consequential loss of any kind;
      (d)   intentional causes at the direction of, or with Your knowledge;
      (e)   the failure of; or the fear of the failure of; or the inability of any equipment or any computer programme to
            recognise, interpret correctly or process any date as its true calendar date or to continue to function correctly
            beyond that date;
Section 5                                                                                                                       5.9    Material Facts
                                                                                                                                       You should advise Us of any Material Facts or information that would have a bearing on Us accepting You and the
CONDITIONS                                                                                                                             Property Insured for insurance, in particular any previous events involving Accidental Damage or Theft whether
                                                                                                                                       insured or not. In particular, You must tell Us about:
                                                                                                                                       (a) previous convictions for any act of fraud, Theft or dishonesty;
5.1   Amendments
                                                                                                                                       (b) previous claims made under any previous insurance;
      Mid-term amendments to Your policy, excluding changes to personal details are subject to payment of any additional
                                                                                                                                       (c) where any special terms or conditions have been applied by previous insurers; or
      cost of cover and, when made by telephone or by post, an administration charge. Amendments made via our online
                                                                                                                                       (d) where You have been refused or declined cover by a previous insurer.
      amendment process are not subject to an administration charge.
                                                                                                                                5.10   Other insurance
      No refunds are payable for reductions in cover resulting from Mid-term amendments made to Your policy by You
                                                                                                                                       If at the time of any claim covered under this certificate of insurance, You have any other insurance or guarantee
                                                                                                                                       which covers the same Theft, Accidental Damage, Loss, damage or personal accident, We will only pay a rateable
5.2   Automatic Reinstatement of Cover
                                                                                                                                       share of the claim.
      In the event of a claim resulting in a total loss and subsequent replacement or cash payment, We will automatically
                                                                                                                                       In respect of public liability cover under section 2.6 no cover is available under this certificate of insurance if You
      reinstate cover on Your replacement equipment upon confirmation from You of the new property to be insured
                                                                                                                                       have indemnity from any other source.
      without change to the Schedule renewal date. Following a claim, We reserve the right to decline cover or apply
      special terms.
                                                                                                                                5.11   Reasonable Care
                                                                                                                                       You must take all reasonable care to prevent any Accidental Damage, Theft or Loss and keep Your Property
5.3   Cancellation
                                                                                                                                       Insured and the Insured Location in a good state of repair and condition. You must take all reasonable care to
      We can cancel Your certificate of insurance by sending You 7 days notice in writing by recorded delivery to Your
                                                                                                                                       comply with all statutory obligations and regulations imposed by any statutory, regulatory, or government authority.
      last known address. In these circumstances We will repay any unused part of Your Premium. You have a right to
      cancel within 14 days of despatch of the policy documents. However We have extended this statutory period to 28
                                                                                                                                5.12   Subrogation
      days of the Commencement Date. You will receive a refund of Your Premium less an administration fee of 20%
                                                                                                                                       In the event that a third party is deemed liable for part or all of any claim, We may exercise Our right of subrogation
      of the Premium, subject to a minimum of £5 and a maximum of £25, and a time on risk charge apportioned as a
                                                                                                                                       You shall, at Our request and Our expense, agree to and permit Us to do such acts and things as may be
      percentage of the Premium.
                                                                                                                                       necessary or reasonably required for the purpose of exercising this right. You will take no action or make any
                                                                                                                                       agreements that may weaken or remove Our rights under this clause without Our prior written permission. We will
      No refunds are payable for cancellation, in part or in whole, by You for any reason outside of 28 days from the
                                                                                                                                       pay any costs or expenses involved in exercising Our right of subrogation.
      Commencement Date, other than amendments as allowed.
                                                                                                                                5.13   Under Insurance
5.4   Contracts (Rights of Third Party) Act 1999
                                                                                                                                       A proportionate reduction in any claims settlement will be made should You under insure (i.e.: the Sum Insured is
      A person who is not party to this contract has no right under the Contracts (Rights of Third Parties) Act 1999 to
                                                                                                                                       less than the Value)
      enforce any term of this contract but does not affect any right or remedy of a third party which exists or is available



                                                                                                                                Section 6
      apart from that Act.

5.5   Data Sharing
      Under the terms of the Memorandum of Understanding in respect of information sharing between the Police Service
      and the Insurance industry, We will ask for Your consent that personal data can be shared with the relevant Police
      Constabulary to assist in the validation of Your claim. Failure to give Your consent may prejudice Your claim.            CLAIMS
      We may share claims and underwriting information with other insurers and third parties in the course of conducting
      Our enquiries.                                                                                                            On the happening of any event which may give rise to a claim:

5.6   Entitlement to Policy Benefits                                                                                             6.1    You shall give immediate notice, as soon as You become aware to:
      The benefits detailed in this policy in respect of the Property Insured are only payable to the named policyholder                a) the police in respect of any Theft or malicious damage and
      and any claim may only be presented by the named policyholder.                                                                   b) Us via
                                                                                                                                           Claims Department of JLT | Online,
5.7   False/Fraudulent Claims                                                                                                             Pavilion House, Mercia Business Village, Coventry, CV4 8HX.
      If You or anyone acting on Your behalf makes a claim under this certificate of insurance and know the claim is false                 Telephone (CLAIMS DEPARTMENT) 02476 851050.
      or fraudulent in any way, the cover is void and the claim will not be paid, and all monies received by You or Your
      representatives, shall be immediately repaid.                                                                             Failure to comply with either or both clause 6.1 (a) or (b) may result in a claim being rejected.

5.8   Important Changes                                                                                                         6.2    Within 30 days of notifying Us, You shall supply, at Your own expense full details of the claim in writing together with
      The cover under this certificate of insurance is based on information You have given Us and confirmed in Your                      any supporting information, Evidence of Ownership and proofs which We may reasonably require.
      Schedule. You must tell Us as soon as possible if any of this information changes, as Your cover will be affected.
                                                                                                                                Failure to comply with clause 6.2 may result in a claim being rejected.

                                                                                                                                6.3    No claim shall be paid until You have complied with clause 6.1 and 6.2.
6.4    We have the right, without thereby incurring any liability and without diminishing Your right to rely on any condition
       of this certificate of insurance, to take and keep possession of any of the Property Insured and to deal with salvage
                                                                                                                                Section 9
       in a reasonable manner, but You shall not abandon any Property Insured to Us.
                                                                                                                                INFORMATION ABOUT YOUR INSURANCE PROVIDERS
6.5    You shall give such information and assistance as We may reasonably require to substantiate any claim and                DJ Guard
       where requested, provide proof of Your identity prior to settlement of any claim.                                        is a registered trade mark of JLT | Online.

6.6    In respect of public liability claims, You must send Us any claim, writ or summons as soon as You receive it. Do         JLT | Online is a division of Jardine Lloyd Thompson UK Limited, registered office: 6 Crutched Friars, London EC3N 2PH
       not negotiate, pay or settle, admit or deny any claim without Our written permission. You must also notify Us in         and is registered in England number 338645. A wholly owned subsidiary of Jardine Lloyd Thompson Group plc. Authorised
       writing of any impending prosecution inquest or fatal accident enquiry.                                                  and regulated by the Financial Services Authority.



Section 7
                                                                                                                                UK Underwriting Limited
                                                                                                                                whose registered office is at: 2 Gibraltar House, Bowcliffe Road, Leeds LS10 1HB.

                                                                                                                                The company is authorised and regulated by the Financial Services Authority
WHAT TO DO IF YOU HAVE A COMPLAINT                                                                                              Axa Insurance UK Plc
It is always Our intention to provide a first class standard of service. However, any enquiries or complaints You may have       Whose registered office is at: 5 Old Broad Street, London EC2N 1AD.
regarding this insurance cover should be addressed to:
                                                                                                                                The company is registered in England – registration number 78950.
1.    The Executive Manager – Customer Complaints
      JLT| | Online. Pavilion House, Mercia Business Village, Coventry CV4 8HX                                                  The company is authorised and regulated by the Financial Services Authority

      If You remain dissatisfied You are welcome to write to:

2.    Head of Claims
      UK Underwriting Ltd.



                                                                                                                                Contact us
      2 Gibraltar House, Bowcliffe Road,
      Leeds LS10 1HB
      Please quote Your Schedule and/or claim number so that Your enquiry can be dealt with quickly.

      You will also have the right to ask the Financial Ombudsman Service to review Your case at the following address:
                                                                                                                                You can contact DJ Guard by phone:
3.    The Financial Ombudsman Service (FOS)
      South Quay Plaza,                                                                                                         For Sales and Administration call:                                   02476 851000
      183 Marsh Wall,                                                                                                           For Claims please call:                                              02476 851050
      London, E14 9SR

      Tel: 0845 080 1800                                                                                                        Fax                                                                  02476 851080
                                                                                                                                Email                                                                info@DJguard.co.uk
This procedure will not prejudice Your right to take legal proceedings. However, please note that there are some instances      Web site                                                             www.DJguard.co.uk
when the FOS cannot consider complaints and the complaints procedure must be fully exhausted before You consider
legal proceedings.                                                                                                              Our address:
                                                                                                                                Pavilion House


Section 8
                                                                                                                                Mercia Business Village
                                                                                                                                Westwood Business Park
                                                                                                                                Coventry
                                                                                                                                CV4 8HX
COMPENSATION SCHEME
Axa Insurance UK Plc are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to
compensation from the scheme, if they cannot meet their obligations. This depends on the type of business and the
circumstances of the claim. Most insurance contracts are covered for 100% of the first £2,000 and 90% of the remainder
of the claim. You can get more information about compensation scheme arrangements from the FSCS. The FSCS can be
contacted at 7th Floor, Lloyds Chambers, 1 Portsoken Street, London E1 8BN, or by telephone or fax (Tel: 020 7892 7300 or
Fax: 020 7892 7301), or by e-mail (enquiries@fscs.org.uk)
POLICY SUMMARY                                                                                                                  Theft of the Property Insured within the
                                                                                                                                Territorial Limits, when from a vehicle
                                                                                                                                                                           Any claim under £100                       2.2.1

                                                                                                                                                                           When You have not complied with Security   2.2.4
                                                                                                                                                                           Requirement 3.3

                                                                                                                                                                           When access has not been made by           2.2.5
                                                                                                                                                                           Forcible and Violent Entry

Some important facts about your insurance are summarised below. This summary does not describe all the terms and                                                           Depreciation on Laptops and Laptop         2.2.10
conditions of your policy, so please take time to read the policy document to make sure you understand the cover it provides.                                              Accessories over 18 months old

Insurer: Axa Insurance UK plc                                                                                                   Accidental Damage to the Property          Any claim under £100                       2.3.1
                                                                                                                                Insured within the Territorial Limits
DJ Guard Cover                                                                                                                                                             When Accidental Damage is sustained        2.3.3
                                                                                                                                                                           in transit when handed to a recognised
ABOUT YOUR COVER                                                                                                                                                           transport provider, unless the Property
                                                                                                                                                                           Insured is securely packaged in a
 FEATURES AND BENEFITS INCLUDED                 SIGNIFICANT EXCLUSIONS OR                        POLICY SECTION                                                            purpose designed Rigid Bodied Case
 AUTOMATICALLY                                  LIMITATIONS
                                                                                                                                                                           When the Property Insured is               2.3.6
                                                                                                                                                                           Unattended which means whilst
 Theft of the Property Insured from within      Any claim under £100                             2.1.1
                                                                                                                                                                           the Property Insured is not being
 the Territorial Limits, when not from a
                                                                                                                                                                           used or held by You or a responsible
 vehicle                                        When the Property Insured is in a locked         2.1.3
                                                                                                                                                                           adult or You are not in a position to
                                                room or locked cupboard away from the
                                                                                                                                                                           prevent interference to the item of
                                                Insured Location unless access is by
                                                                                                                                                                           Property Insured other than when in
                                                Forcible and Violent Entry and You have
                                                                                                                                                                           the Insured Location, locked room or
                                                complied with Security Requirements 3.1b
                                                                                                                                                                           locked cupboard or Locked Luggage
                                                or 3.1c as applicable
                                                                                                                                                                           Compartment
                                                When the Property Insured is at the              2.1.4
                                                                                                                                                                           Depreciation on Laptops and Laptop         2.3.17
                                                Insured Location unless involving
                                                                                                                                                                           Accessories over 18 months old and
                                                Forcible and Violent Entry and You have
                                                                                                                                                                           beyond economical repair
                                                complied with Security Requirement 3.2

                                                When the Property Insured is                     2.1.5                          Loss                                       Any claim under £100                       2.4.1
                                                Unattended which means whilst
                                                the Property Insured is not being                                                                                          When the Property Insured is               2.4.5
                                                used or held by You or a responsible                                                                                       Unattended which means whilst
                                                adult or You are not in a position to                                                                                      the Property Insured is not being
                                                prevent interference to the item of                                                                                        used or held by You or a responsible
                                                Property Insured other than when in                                                                                        adult or You are not in a position to
                                                the Insured Location, locked room or                                                                                       prevent interference to the item of
                                                locked cupboard or Locked Luggage                                                                                          Property Insured other than when in
                                                Compartment                                                                                                                the Insured Location, locked room or
                                                                                                                                                                           locked cupboard or Locked Luggage
                                                Theft from any building at the Insured           2.1.9                                                                     Compartment
                                                Location which is not of brick or stone
                                                built construction with a tiled or multi layer                                                                             Depreciation on Laptops and Laptop         2.4.8
                                                roof and securely locked, unless specified                                                                                  Accessories over 18 months old
                                                in an Endorsement

                                                Depreciation on Laptops and Laptop               2.1.13
                                                Accessories over 18 months old
Personal Accident whilst using an item        The amounts We will pay under this             2.5                 Breakdown of the Property Insured             An Excess of £50 for each and every item       2.8.1
of musical entertainment, sound or lighting   section are:                                                       within the Territorial Limits covering any
equipment                                     • Loss Of Limb                     £5,000                          electronic item up to seven years old from    When the item has been purchased               2.8.12
                                              • Loss Of Sight                    £5,000                          date of manufacture, and all guitars and      outside the UK
                                              • Permanent Total Disablement £10,000                              basses (including electric) and all musical
                                              • Death                            £10,000                         instruments specified in Your Schedule.        Any electronic items (excluding electric       2.8.13
                                              Benefit under this section shall be                                                                               guitars and basses) aged over 7 years
                                              payable to You or Your nominees, and                                                                             from date of manufacture
                                              shall be limited to a maximum of £10,000
                                              per person. General Exclusions and                                                                               Depreciation on Laptops and Laptop             2.8.17
                                              Conditions apply                                                                                                 Accessories over 18 months old and
                                                                                                                                                               beyond economical repair
                                              Any Loss directly or indirectly arising from   2.5.4
                                              stress, trauma or psychiatric illness                                                                     Policy Associates Personal Accident and Public Liability

Public Liability which arises from the use    The amount We will pay is up to the            2.6                 Personal Accident whilst using an item        The amounts We will pay under this             2.5
or ownership of musical, entertainment,       amount shown in Your Schedule                                      of musical entertainment, sound or lighting   section are:
sound or lighting equipment                                                                                      equipment                                     • Loss Of Limb                     £5,000
                                              We will not pay the first £500 of each          2.6.2                                                             • Loss Of Sight                    £5,000
                                              and every claim arising from third party                                                                         • Permanent Total Disablement £10,000
                                              property damage                                                                                                  • Death                            £10,000
                                                                                                                                                               Benefit under this section shall be
                                              Claims arising out of or in connection with    2.6.7 b)                                                          payable to You or Your nominees, and
                                              Your trade, profession or business, or                                                                           shall be limited to a maximum of £10,000
                                              assumed under contract other than that of                                                                        per person. General Exclusions and
                                              musician, music teacher, sound or lighting                                                                       Conditions apply
                                              engineer, entertainer, disc or visual jockey
                                                                                                                                                               Any Loss directly or indirectly arising from   2.5.4
                                                                                                                                                               stress, trauma or psychiatric illness
Hire of Equipment                             Costs of more than 10% of the Sum              2.7.1
                                              Insured or £250 whichever is the lesser
                                              for each item to a maximum of £3,000                               Public Liability which arises from the use    The amount We will pay is up to the            2.6
                                              during any one Period Of Insurance                                 or ownership of musical, entertainment,       amount shown in Your Schedule
                                                                                                                 sound or lighting equipment
OPTIONAL COVER                                SIGNIFICANT EXCLUSIONS OR                      POLICY SECTION                                                    We will not pay the first £500 of each          2.6.2
                                              LIMITATIONS                                                                                                      and every claim arising from third party
                                                                                                                                                               property damage
The following cover is applicable only if You have chosen to add it to Your policy, the additional Premium has
been paid and it is listed in the Schedule                                                                                                                     Claims arising out of or in connection with    2.6.7 b)
                                                                                                                                                               Your trade, profession or business, or
UK only extended to EU and up to 30           Same as where Territorial Limits apply                                                                           assumed under contract other than that of
days Worldwide during any one Period                                                                                                                           musician, music teacher, sound or lighting
Of Insurance                                                                                                                                                   engineer, entertainer, disc or visual jockey

UK only extended to Worldwide cover at        Same as where Territorial Limits apply
any time during the Period Of Insurance
DURATION

The cover is for 12 months from the commencement date.
                                                                                                                            Terms of business
                                                                                                                            The Financial Services Authority (FSA) is a regulatory regime for the sale of insurance products. We are required as an
                                                                                                                            authorised company, to give you this statement so that you can be confident in deciding if our products and services are
CANCELLATION RIGHT                                                                                                          right for you. JLT | Online is a division of Jardine Lloyd Thompson UK Limited, registered office: 6 Crutched Friars, London
                                                                                                                            EC3N 2PH and is registered in England number 338645. A wholly owned subsidiary of Jardine Lloyd Thompson Group plc.
We hope you are happy with the cover this policy provides. You have a right to cancel within 14 days of despatch of the     Authorised and regulated by the Financial Services Authority register number 310419.
policy documents. However we have extended this period to 28 days from the commencement date. Please see 5.3 of
section 5 of the policy wording.                                                                                            You can check this on the FSA’s Register by visiting the FSA’s website www.fsa.gov.uk/register or by contacting the FSA on
                                                                                                                            0845 606 1234.
We have the right to cancel this policy at any time by giving 7 days notice in writing
                                                                                                                            All the specialist insurance products that we sell on our web site www.jltonline.co.uk and through our call centre 02476
MAKING A CLAIM                                                                                                              851000 have been developed by JLT | Online using our specialist knowledge of the markets in which we operate, and are
                                                                                                                            underwritten by a panel of insurers including; UK Underwriting, acting on behalf of Primary Insurance Company Limited and
If you have a claim please telephone us on 02476 851050 as soon as possible to tell us about it.                            Axa Insurance UK Plc.

HOW TO MAKE A COMPLAINT                                                                                                     We do not provide advice as part of our service, but we will ask you questions to enable us to provide you with our most
                                                                                                                            appropriate policy options. You will then need to make your own choice on how to proceed and you will be basing your
We hope you will be pleased with the service we provide. However, if you have a complaint about our service or about a      decision to purchase solely on your interpretation of the information available to you.
claim, please call us on 02476 851000. If you are still not satisfied, please write to:
                                                                                                                            If any aspect of our service or products causes you to make a formal complaint, please write in the first instance to:
The Executive Manager – Customer Complaints
JLT | Online,                                                                                                               The Executive Manager – Customer Complaints,
Pavilion House,                                                                                                             JLT | Online,
Mercia Business Village,                                                                                                    Pavilion House,
Westwood Business Park,                                                                                                     Mercia Business Village,
Coventry CV4 8HX.                                                                                                           Westwood Business Park
                                                                                                                            Coventry,
If you are still not happy with the response you have received, you have the right to ask the Financial Ombudsman Service   CV4 8HX.
to review your case.
                                                                                                                            If we are unable to deal with your complaint to your satisfaction, then you may be entitled to refer it to the Financial
COMPENSATION SCHEME                                                                                                         Ombudsmen Service.

Axa Insurance UK Plc is covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to                We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the
compensation from the scheme, if they cannot meet their obligations. This depends on the type of business and the           scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Further
circumstances of the claim. Most insurance contracts are covered for 100% of the first £2,000 and 90% of the remainder       information about compensation scheme arrangements is available from the FSCS who can be contacted at:
of the claim. You can get more information about compensation scheme arrangements from the FSCS. The FSCS can be
contacted at 7th Floor, Lloyds Chambers, 1 Portsoken Street, London E1 8BN, or by telephone or fax (Tel: 020 7892 7300 or   7th Floor,
Fax: 020 7892 7301), or by e-mail (enquiries@fscs.org.uk).                                                                  Lloyds Chambers,
                                                                                                                            1 Portsoken Street,
                                                                                                                            London E1 8BN,
                                                                                                                            or by telephone or fax
                                                                                                                            (Tel: 020 7892 7300 or Fax: 020 7892 7301), or by e-mail (enquiries@fscs.org.uk).

                                                                                                                            The compensation limit for insurance mediation where the intermediary fails is 100% of the first £2,000 and 90% of
                                                                                                                            the remainder.

                                                                                                                            We deal with you in a professional and courteous manner, and we look forward to the prospect of you being a
                                                                                                                            satisfied policyholder.

                                                                                                                            Our objective is to provide an efficient professional, and quality service to all of our customers.
Hints and Tips                                                                                                                  The Seal of
AVOIDING PROPERTY LOSS
There’s a lot you can do to help reduce theft or accidental damage to your equipment. By taking a few common sense
precautions, you can reduce the chances of a loss occurring by following the advice below.
                                                                                                                                Good Service
                                                                                                                                We undertake to provide the best service whether you are a web or a telephone customer.
• Do not leave your equipment unattended. If you have to leave it at all, even for a few seconds, give it to a friend or        We are so confident that we will meet the Standards we have set ourselves under our ‘Seal of Good Service’ that should we
  colleague to look after as this is a chance for the opportunist thief to strike.                                              fail to meet any of them we will pay you a minimum of £5 discount off your premium.
• Keep your equipment with you at all times when travelling on public transport.
• Stay alert when you have your equipment with you on a journey. Attach the strap where available to yourself if you are        1. The standards
  going to be asleep for any part of the journey.                                                                                    We will:
• Never leave your equipment on show in an unattended vehicle. If your vehicle has an alarm make sure it is in operation.          • Despatch your full set of policy documents, either electronically or by post, within 3 working days*
• Is your home as secure is it could be? Consider fitting window locks and good quality locks to any entry or exit doors. An        • Reply to any written correspondence within 3 working days of receipt**
  intruder alarm will deter thieves and also give you added peace of mind.                                                         • Reply to email communications within 2 working days of receipt
• Do not entrust your equipment to anyone who is not personally known by you.                                                      • Despatch a claims form within one working day
• Ensure that when the equipment is in transit, it is in a rigid body case to minimise impact damage.                              • Acknowledge any communication regarding a claim within 3 working days
• On planes, take as hand luggage where possible.                                                                                  • Respond to a voice message left on our telephone system within 4 working hours
• Mark all of your equipment with your postcode by ultraviolet pen.                                                                • If eligible despatch an offer to renew your policy no less than 25 days prior to expiry
• When not is use, return all equipment to their protective case and make sure your case is securely fastened.                     * A working day is defined as – any weekday, excluding bank holidays, when normal business is conducted between the
• Don’t leave your equipment where it can be sat or trodden on.                                                                      hours of 9:00am – 7:00pm
• When loading and unloading your equipment, check that you have packed all items and not left any at the roadside or on         ** Postal despatch – any written communication posted shall be deemed to have been received the next working day if
  top of your car. Whilst loading, ensure someone stays with the vehicle or lock it between trips.                                   posted first class; within 5 working days if posted second class. Any electronic communication shall be deemed to have
• Take care around water and other liquids. Equipment is not designed to be used near water. Also ensure that you store              been received within the same or the next working day.
  equipment at an even storage temperature away from humid conditions.
• Only ever use your equipment for the purpose it was designed for and in accordance with the manufacturers conditions.         2. Web operations
• Try to avoid leaving your equipment in situations where it can be easily knocked over, or fall over.                             If our web site is down we will take the order over the phone during normal business hours and set you up as if
                                                                                                                                   conducted on the web and at the same cost.
Spread the cost by monthly direct debit
You can pay your premium over 12 months by direct debit. The facility is provided via a finance agreement with PIN Finance       3. 28-day money back guarantee
Ltd. The agreement can be set up in a few moments either over the web or the telephone.                                            If you change your mind, or find that the cover is unsuitable for you, you can cancel your policy within 28 days and
                                                                                                                                   receive a refund, subject to conditions.
Changes to your policy                                                                                                             We can cancel your certificate of insurance by sending you 7 days notice in writing by recorded delivery to your
You can effect changes or additions to your policy on line or via the telephone. It’s cheaper to do this on the web.               last known address. In these circumstances we will repay any unused part of your premium. You have a right to cancel
                                                                                                                                   within 14 days of despatch of the policy documents. However we have extended this statutory period to 28 days of the
It’s cheaper on the web                                                                                                            commencement date. You will receive a refund of your premium less an administration fee of 20% of the premium,
Our web based customers are guaranteed to get the lowest possible price for a new policy, which is usually around £10              subject to a minimum of £5 and a maximum of £25, and a time on risk charge apportioned as a percentage of the
less than transacting business via our call centre. All our customers get the same price for the renewal of their policy. Web      premium. No refunds are payable for cancellation,
based customers do not pay an administration charge when making mid - term adjustments on - line, but telephone or postal          in part or in whole, by You for any reason outside of 28 days from the Commencement Date, other than amendments
customers will be charged an administration fee, plus the cost of any additional cover. We do not charge for amendments            as allowed.
to personal details.
                                                                                                                                4. ‘Double the difference’ price guarantee
                                                                                                                                   We are confident that our policies contain the best cover at the lowest prices. If you find better and cheaper cover within
                                                                                                                                   28 days of your policy’s commencement date (written proof required), we will refund double the difference back
                                                                                                                                   in premium.
                                                                                                                                   Simply, if you find a policy with the same cover or even better cover at a lower price, within 28 days of taking out cover
                                                                                                                                   we will give you double the difference by either a cheque or credit card credit payment, providing of course that you
                                                                                                                                   maintain cover with us.
                                                                                                                                   To make sure that we keep on our toes, we also provide this guarantee when you make a renewal.
                                                                                                                                   Be very careful when making a decision when placing your insurance that you have fully understood the terms being
                                                                                                                                   offered to you – for example, there are some companies that quote monthly payments but in fact define a month as a
                                                                                                                                   lunar month so you pay 13 payments instead of 12.

                                                                                                                                Our Seal of Good Service is designed to flag the areas where you should expect us to perform and deliver a high level
                                                                                                                                of service to you. It is our aim to give you the best cover, best value and best service. If any other areas fail to meet your
                                                                                                                                expectations we would appreciate you giving us the opportunity to put things right.

								
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