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3 Months Free Insurance - Terms and Conditions

The Terms & Conditions below are provided by UK Underwriting Ltd, on behalf of Primary Insurance Company Ltd and Mobile Phone Supercover Ltd. They apply to your 3 months free insurance gift certificate.

Note that mPhone are not party to this insurance cover and are not involved in any way apart from supplying you with the free gift certificate, when you buy a SIM Free phone from us.

Your three Months Free Mobile Phone Insurance Cover

We will provide insurance for your mobile phone/PDA for 3 months free of charge, subject to the terms and conditions and limitations shown below or as amended in writing by us. You will receive further details of your insurance policy by post within 21 days of receipt of your details and please note that you may cancel your insurance cover at any time after commencement.

Your mobile phone is covered for:

A. Accidental Damage - We will pay repair costs if your mobile phone or PDA is damaged as the result of an accident.

B. Theft - If your mobile phone or PDA is stolen we will replace it.  Where only part or parts of your mobile phone or PDA have been stolen, we will only replace that part or parts.

C. Loss - If you lose your mobile phone or PDA we will replace it.


This policy offers replacement only and is not a replacement as new policy. If the mobile phone/PDA cannot be replaced with an identical mobile phone/PDA of the same age and condition, we will replace it with one of comparable specification or the equivalent value taking into account the age and condition of the original mobile phone/PDA.

What we will pay

Executive Insurance Cover – the maximum replacement value we shall be liable for in respect of any single claim is £1000. Your Bank details will be passed to companies only involved in the administration of your insurance (and will never be used for any other purposes without your prior consent) to set up your free three months insurance. A direct debit will be set up for the fourth month. If for any reason your direct debit can not be setup for the fourth month we will attempt to contact you and in the event that we are still unable to set up your direct debit you may lose your cover. From the fourth month onwards your insurance will only continue if the monthly premium has been paid.

Your mobile phone/PDA is not covered for

1.  Loss or Theft (in the instances outlined below):

  • from any commercial vehicle, convertible or soft topped vehicle;
  • from any motor vehicle where you or someone acting on your behalf is not in the vehicle, unless the mobile phone/PDA has been concealed in a locked boot, locked glove compartment or other locked internal compartment and all the vehicle’s windows and doors closed and locked and all security systems have been activated;
  • if left on any motor vehicle roof, bonnet or boot.
  • from any type of transport except as permitted above;
  • from any building, land or premises unless force, resulting in damage to the building or premises, was used to gain entry or exit;
  • from your control or the control of any member of your immediate family, except where it has been concealed either on or about the person and not left unattended, or the use of physical force or violence against the person has been used or threatened;
  • where the mobile phone/PDA has been left unattended when it is away from your home.
  • where reasonable precautions have not been taken.  

2.  Loss or damage caused by :

  • you deliberately damaging or neglecting the mobile phone/PDA;
  • not following the manufacturer’s instructions;
  • routine servicing, inspection, maintenance or cleaning.
  • the use of accessories.
  • if the serial, IMEI or ESN number has been tampered with in any way.

3. Repair or other costs for :

  • routine servicing, inspection, maintenance or cleaning;
  • loss caused by a manufacturer’s defect or recall of the mobile phone/PDA;
  • replacement of or adjustment to fittings, control knobs or buttons, batteries or aerials;
  • repairs carried our by persons not authorised by us.
  • wear and tear or gradual deterioration of performance.

4. Any kind of damage whatsoever unless the damaged phone is provided for repair

5.  Any loss involving a SIM (subscriber identity module) card, Network card or Communicator whether it is stolen, damaged or used without authority.

6.  Any expense incurred as a result of not being able to use the mobile phone/PDA, or any loss other than the repair or replacement costs of the mobile phone/PDA.

7. The first £25 of each theft or accidental damage claim or the first £50 of each loss claim or the first £75 of each claim Outside the UK, Isle of Man and Channel Islands.

8. Loss of or damage to accessories of any kind

9. Any loss or damage caused by the failure of any electrical or computer equipment, software, micro-controller, microchip, accessories or associated equipment to correctly recognise and process any calendar date or time.

10. If the original SIM card was not in the mobile phone at the time of the loss, damage or theft.

11. Reconnection costs or subscription fees of any kind.

12. The cost of replacing any personalised ring tones or graphics. Please note: If you are insuring a PDA (without SIM card capability), all exclusions relating to SIM cards are non applicable.

13. The cost of any unauthorised calls following the theft, loss or damage of the mobile phone.


The words and phrases defined below have the same meaning wherever they appear in bold in this certificate.

Commercial vehicle - any vehicle used wholly or partly for commercial or business purposes or any other vehicle that is being used for commercial or  business purposes at the time of any loss or damage to the mobile phone/PDA.

Immediate family - your mother, father, son, daughter, spouse, domestic partner.

Mobile phone/PDA - the single cellular telephone insured by this certificate, purchased by you and provided by a supplier approved by us.

Period of cover - 1 (one) calendar month from the inception date, renewing monthly on the same day each month (the last day of the month will apply appropriately to each month) provided the monthly premium is paid.

Three months free of charge - no charge or obligation for three months from the commencement of policy

Reasonable precautions - all measures that it would be reasonable to expect a person to take in the circumstances to prevent loss, damage or theft of your mobile phone/PDA

Unattended - not within your sight at all times and out of your arms-length reach.

Reasonable precautions - all measures that it would be reasonable to expect a person to take to prevent theft, loss or damage of the insured Mobile phone/PDA.

We, us, our - UK Underwriting Ltd, on behalf of Primary Insurance Company Ltd

You, you - the person, who owns the mobile phone/PDA supplied with this certificate.

Conditions and limitations

1. Unless we have agreed differently with you, English law and the decisions of English courts will govern this insurance.

2. This insurance only covers a mobile phone/PDA bought and used in the UK, the Isle of Man and the Channel Islands.  Cover is extended to include use of the mobile phone/PDA anywhere in the world.

up to a maximum of 60 days in total, in any single 12 month period, subject to any repairs being carried out in the UK by repairers approved by us.

3. You must provide us with any receipts, documents or proof of purchase, that it is reasonable for us to request.

4.  This insurance may only be altered, varied or its conditions altered or premium changed by one of our authorised officials, giving you 30 days notice in writing.

5. We may cancel the policy by giving you 30 days notice in writing.  In the event  of any claim you are responsible for the payment of any outstanding premium.

6. This insurance is automatically cancelled;

- if you do not pay the premium for this insurance

- if you submit a claim knowing it to be false, fraudulent or a misrepresentation

- if we replace the mobile phone/PDA following a valid claim

7. You cannot transfer the insurance to someone else or to another mobile phone/PDA without our written permission.

8. You must take all reasonable precautions to prevent any loss or damage.

9. Cover excludes costs or payments recoverable from any party, under the terms of any other contract, guarantees, warranty or insurance.

10. If the Direct Debit is cancelled or unsuccessful at any given point, no benefits shall be due whatsoever.

Claims procedure

1. You must;

  • notify us as soon as possible but in any event within 48 hours of any claim under this insurance.
  • report the theft/loss of the mobile phone, within 12 hours of discovery, to the Airtime Provider and blacklist your handset.
  • report the theft/loss to the Police within 24 hours of discovery and obtain a crime/loss reference number.
  • provide us with details of the claim and any other contract, guarantee, warranty or insurance that may apply to the loss including but not limited to household insurance.  Where appropriate a representative proportion of the claim may be recovered direct from these Insurers.

2. If we replace your mobile phone/PDA the damaged or lost item(s) becomes ours. If it is returned or found you must notify us and send it to us if we ask you to.


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

We are proud of our reputation for fairness in our treatment of our customers. However, occasionally disputes or misunderstandings can arise. Any enquiry or complaint you have regarding your Policy should be addressed to: The Customer Services Director, Mobile Phone Supercover Ltd., 204 Cumberland House, 80 Scrubs Lane, London, NW10 6RF.  (Mobile Phone Supercover Ltd and Mobile Phone World Ltd are authorised and regulated by the Financial Services Authority). You should provide details of your policy and in particular, your policy number, to help with the speedy handling of your enquiry. If the matter is not resolved to your satisfaction, or you are still not satisfied, please write to: UK Underwriting, on behalf of Norwich Union Insurance Ltd, 8 Surrey Street, Norwich, NR1 3NG. If the matter is not resolved to your satisfaction, you can then refer the dispute to:

The Financial Ombudsman Services
South Quay Plaza
183 Marsh Wall
E14 9SR

Any references to any of the above will not affect your right to take legal proceedings.

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