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Audiyo - Free Headphone Speaker Insurance (12 months) Terms & Conditions.

Audiyo Free Headphone Speaker Insurance 

SuperCover Insurance

 

Audiyo Insurance provided by our partners SuperCover Insurance.

HEADPHONE THEFT AND ACCIDENTAL LOSS INSURANCE

 

This insurance is arranged by Supercover Insurance Ltd and underwritten by Zenith Insurance Plc, Authorised Insurers, registered in Gibraltar No 84085. Registered Office: 846-848 Europort, Gibraltar.

 

Supercover Insurance Ltd is registered in England and Wales, registration no. 03058631. Registered Office: 45 Westerham Road, Bessels Green, Sevenoaks, Kent TN13 2QB. Authorised and regulated by the Financial Conduct Authority (No. 313806).  This can be checked on the Financial Services Register at www.fca.org.uk/firms/systems-reporting/register or by contacting them on 0800 111 6768.

Zenith Insurance Plc is regulated by the Gibraltar Financial Services Commission and subject to a limited regulation by the Financial Conduct Authority and the Prudential Regulation Authority in respect of underwriting insurance business in the UK (Number 211787).

Zenith Insurance Plc is a member of the Association of British Insurers. 

 

All Supercover claims are processed by Direct Group Limited. Certain subsidiaries of Direct Group Limited are authorised and regulated by the Financial Conduct Authority. Registered office: Quay Point, Lakeside Boulevard, Doncaster, South Yorkshire, DN4 5PL. Financial Services Register number: 307332. Company number: 2461657. Registered in England & Wales.

 

IMPORTANT INFORMATION

We have not provided you with a personal recommendation as to whether this product is suitable for your needs so you must decide yourself whether it is or not.  You have made a decision based on the information made available to you.

This policy meets the demands and needs of those who wish to insure their headphones against theft and accidental loss.

 

INTRODUCTION

 

You must read this policy document and the Schedule of Insurance together. The Schedule of Insurance tells you the period during which the policy is in force, what items are covered and what level of cover applies to yourinsurance. Please check both documents carefully to make certain they give you the cover you want.

We will provide insurance for your headphones/speaker during the period of cover as stated in your Schedule of Insurance. This policy only covers your headphones when in the care of you or a member of your immediate family.

Cover under this insurance is subject to the terms, conditions, and limitations shown below or as amended in writing by us.

 

This is an annual policy, provided at no cost to you.

 

COMMENCEMENT AND DURATION OF COVER

Cover commences on the day you bought your headphones (Audiyo i8s, Studio 2 or Audiyo Bangaz ONLY) and will run for one year or until you make a claim under the policy, whichever is the sooner.  Wewill not offer renewal.

 

DEFINITIONS

 

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

 

Accidental loss/accidentally lost - means that the headphones or speaker have been accidentally left by you in a location and you are permanently deprived of their use.

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 of the headphones or speaker.

Evidence of ownership -A document to evidence that the headphones or speaker you are claiming for belong to you. This can be a copy of the till receipt, delivery note or gift receipt.

Excess - An amount you have to pay towards the cost of a claim under this insurance. You have to pay this amount regardless of the circumstances leading to the claim.

Headphones or Speaker – the portable Audiyo headphones (Studio 2, i8s) or speaker (Bangaz) insured by this policy and shown on your Schedule of Insurance which have been purchased by you in the UK. 

Criteria: We can only insure headphones or speakers that are:

Purchased as new in the UK; or

Purchased as refurbished in the UK direct from the Manufacturer; or

Gifted to you as long as you are able to provide a Gift receipt.

Home– the permanent residence shown on your Schedule of Insurance.

Immediate family– your mother, father, son, daughter and spouse. Immediate family also includes your domestic partner (domestic partner is defined under this policy as someone you are living with in a long-term permanent relationship as if youare married to them).

Period of cover – A period of twelve months as stated in your Schedule of Insurance.

Precautions – all measures that it would be reasonable to expect a person to take in the circumstances to prevent accidental loss or theft of your headphones or speaker.

Territorial limits - The United Kingdom of Great Britain & Northern Ireland, the Isle of Man and the Channel Islands.

Terrorism -means any act, including but not limited to the use of force or violence or the threat thereof, of any person or group of persons, whether acting alone or on behalf of or in connection with any organization or government, committed for political, religious, ideological or similar purposes, including the intention to influence any government to put the public or any section of the public in fear.

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

We, us, our– Zenith Insurance Plc.

You, your – the person, who is over 18 years old, who owns the headphones or speakeras stated on the Schedule of Insurance.

 

WHAT WE WILL COVER

 

  1. A. Theft

If yourheadphones or speakerare stolen wewill replace them.

  1. Accidental Loss

If you accidentally or unintentionally lose your headphones or speaker, wewill replace them.

 

WHAT WE WILL NOT COVER

 

Yourheadphones or speaker are not covered for:

  1. Theft:
  • from any commercial vehicle;
  • from any motor vehicle where you or someone acting on yourbehalf is not in the vehicle, unless the headphones or speaker have been concealed in a locked boot, closed glove compartment or other closed internal compartment and all the vehicle’s windows, doors and roof (if applicable) have been closed and locked and all security systems have been activated. A copy of the repairer’s account for damage in gaining entry to the locked vehicle, must be supplied with any claim;
  • from any building or premises (including your home or workplace) unless the theft involves force in gaining entry to or exit from the building or premises, resulting in damage to the building or premises. A copy of the repairer’s account for such damage must be supplied with any claim;
  • when away from your home, or when in your home with invited guests / tradesmen or other people; unless the headphones or speaker are concealed on or about your person when not in use, or it is stored in a locked room or secured receptacle (such as a locked safe, locked locker or closed desk drawer;
  • where your headphones or speaker were in the possession of a third party (other than a member of your immediate family) at the time of the event giving rise to a claim under this insurance;
  • where the headphones or speaker have been left unattended when they are away from your home;
  • where precautionshave not been taken;
  1. Loss caused by:
  • intentionally leaving the headphones or speaker
  • leaving the headphones or speakeron any motor vehicle roof, bonnet or boot.
  1. Repair or other costs for:
  • any damage however caused;
  • electrical or mechanical breakdown
  1. Any expense incurred as a result of not being able to use the headphones or speaker, or any loss other than the replacement costs of the headphones or speaker.
  2. The policy excess - in the event that you make a claim, an excess fee applies which must be paid to us before your claim can be settled. This excess fee varies depending on the type of headphones or speaker you have insured with us. The fees are set out below:

If your claim is for headphones or a speaker up to the value of £50 (when new) the excess fee is £10 for any claim.

If your claim is for headphones or a speaker between the values of £51 and £99 (when new) the excess fee is £20 for any claim.

If your claim is for headphones or a speaker over the value of £100 (when new) the excess fee is £30 for any claim.

  1. Loss of or theft of any accessories that were not included in the original packaging of your headphones or speaker.
  2. 7. Any accidental Losswhere the circumstances of the loss cannot be clearly identified, i.e. where you are unable to confirm the time and place you last had your headphones or speaker.
  3. 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.
  4. War Risk

Terrorism, war, invasion, acts of foreign enemies, hostilities whether war is declared or not, civil war, rebellion, revolution insurrection, military or usurped power, confiscation, nationalism or requisition or destruction or damage to property by or under the order of any government or public or legal authority.

  1. Nuclear Risk

Damage or destruction caused by, contributed to or arising from:

  1. ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel; or
  2. the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or component thereof.
  3. Sonic Boom

Damage or destruction directly occasioned by pressure waves caused by aircraft or other aerial devices traveling at sonic or supersonic speeds.

  1. Any indirect loss or damage resulting from the event which caused the claim under this policy.
  2. Any liability of whatsoever nature arising from ownership or use of the headphones or speaker, including any illness or injury resulting from such ownership or use.
  3. Value Added Tax (VAT) where you are registered with HM Revenue and Customs for VAT.

 

CLAIM SETTLEMENT

 

  1. The intention of this policy is to put youback in the same position as immediately prior to the loss or theft. It is not a replacement as new policy. If the headphones or speakercannot be replaced with identical headphones or a speakerof the same age and condition, wewill replace it with headphones or a speakerof comparable specification or the equivalent value taking into account the age and condition of the original headphones or speaker. Wecannot guarantee that the replacement headphones or speakerwill be the same colour as the original item. Where an equivalent refurbished item is not available, we will offer vouchers or a cash settlement based on the market value of the original headphones or speakertaking into account their age and condition.
  2. In the event of a valid claim resulting in the replacement of the headphones or speaker, this policy will automatically cover the replacement headphones or speaker.

 

 

CONDITIONS AND LIMITATIONS

 

  1. Unless wehave agreed differently with you, English law and the decisions of English courts will govern this insurance.
  2. This insurance only covers headphones or a speakerbought in the countries within the territorial limits of the policy. Cover applies throughout the territorial limits of the policy and is also automatically extended to include use of the headphones or speakeranywhere in the world up to a maximum of 90 days in total in any single 12 month period of insurance, subject to any claim being processed and any replacement headphones or speakerbeing sourced from and sent to youat youraddress within the territorial limits. No cover is provided for claims where you are travelling to a country where the Foreign and Commonwealth Office (FCO) have advised against all but essential travel. You can check the FCO travel advice at www.fco.gov.uk.
  3. 3.The headphones or speakermust be purchased in the UK as new, or if refurbished, purchased directly from the manufacturer, and you must be able to provide evidence of ownership at inception of this insurance cover. Evidence of ownership should include the make, model and serial number of the headphones or speaker and must be in your name or you must be in possession of a gift receipt.
  4. Youmust provide uswith any receipts, documents or evidence of ownership, that it is reasonable for usto request.
  5. This insurance may only be altered, varied or its conditions altered or premium changed by one of ourauthorised officials, giving you30 days’ notice in writing.
  6. Youcannot transfer the insurance to someone else or to cover any other headphones or speakerwithout ourwritten permission.
  7. Youmust take all precautionsto prevent any loss or theft.
  8. Cover excludes costs or payments recoverable from any party, under the terms of any other contract, guarantee, warranty, or insurance.

 

MAXIMUM NUMBER OF CLAIMS

This policy is limited to one claim during the period of insurance.

CANCELLATION

 

Your right to change your mind

You may cancel the insurance, without giving reason, by writing to Supercover Insurance Ltd,  The Connect Centre, Kingston Crescent, Portsmouth, PO2 8QL or by telephoning 0203 794 9300, or by emailing customerservice@supercoverinsurance.com at any time.  As you have not paid any premium for this policy, no refund will be due to you.

 

Cancellation by us

Wemay cancel the policy by giving you30 days’ notice in writing where there is a valid reason for doing so. A cancellation letter will be sent to you at your last known address. Valid reasons may include but are not limited to:

  1. Fraud
  2. Non-payment of premium
  3. Threatening and abusive behaviour
  4. Non-compliance with policy terms and conditions

 

If we cancel yourinsurance, no refund will be due to you.

 

CLAIMS PROCEDURE

 

  1. Youmust:
  • notify Direct Group Limited on 0203 794 9300or by emailing supercoverclaims@directgroup.co.uk as soon as possible but ideally within 48 hours of the discovery of any incident likely to give rise to a claim under this insurance. If the incident happened outside of the UK, please notify Direct Group Limited within 48 hours of your return to the UK.
  • report the theft or loss of your headphones or speakerto the Police within 48 hours of discovery and obtain a crime reference number in support of a theft claim and a lost property number in support of an accidental loss claim;
  • provide uswith 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 rateable proportion of the claim may be recovered direct from these Insurers.
  • return your completed claim form and evidence of ownership to Supercover Insurance within 30 days of the incident date along with any other requested information.

Please note any delay in reporting an incident to Direct Group Limited or the Police may invalidate your right to claim under the policy.

  1. If wereplace your headphonesthe damaged or lost item becomes ourproperty. If it is returned or found youmust notify usand send it to us if we ask you to.

 

This policy is administered by Supercover Insurance Limited on behalf of Zenith Insurance Plc.

 

To help us improve our service we may record or monitor telephone calls.

 

WARNING

 

If you or anyone acting on your behalf knowingly commit a fraudulent act or submit a fraudulent document or make a fraudulent statement or exaggerate any claim made under this insurance, we will not pay the claim and cover under this and all other insurances currently in force with us with which you are connected will cease immediately. You will not be entitled to any refund of premium under any policy.

 

Wewill process yourclaim under the terms and conditions of this insurance based on the first reason notified to usfor the claim. If your claim is not covered and you then submit a claim having changed the circumstances of the loss or damage weconsider this as fraud. Details of all such cases will be passed to appropriate agencies for action.

 

CONSUMER INSURANCE ACT

 

You are required to take care to supply accurate and complete answers to all the questions in the declaration and to make sure that all information supplied is true and correct. You must tell us of any changes to the answers you have given as soon as possible.

Under the Consumer Insurance (Disclosure and Representations) Act 2012 your failure to take reasonable care to avoid misrepresentation in relation to the information provided (including subsequent changes to any such information) could result in yourpolicy being cancelled or yourclaim being rejected or not fully paid.

 

COMPLAINTS

 

It is the intention to give you the best possible service but if you do have any questions or concerns about this insurance or the handling of a claim you should in the first instance contact Supercover’s Customer Services Director. The contact details are:

The Customer Services Director

Supercover, The Connect Centre, Kingston Crescent, Portsmouth, PO2 8QL.

Tel:           0203 794 9300          

Email        customer.relations@directgroup.co.uk

Please ensure your policy number is quoted in all correspondence to assist a quick and efficient response.

 

Supercover Insurance Limited will make every effort to resolve your complaint by the end of the third working day after receipt.  If they cannot resolve your complaint within this timeframe they will acknowledge your complaint within 5 days of receipt and will do their best to resolve the problem within four weeks by sending you a final response letter.

If they are unable to resolve your complaint in this time they will write to advise you of progress and will endeavour to resolve your complaint within the following four weeks.

If they are still unable to provide you with a final response at this stage, they will write to you explaining why and advise when you can expect a final response.  At this point you may refer your complaint to The Financial Ombudsman Service at the following address:                               

Financial Ombudsman Service

Exchange Tower Harbour Exchange Square London E14 9SR

www.financial-ombudsman.org.uk

 

 What you should know

 

You may go directly to the Financial Ombudsman Service when you first make your complaint, but the Ombudsman will only review your complaint at this stage with our consent.  However, we are still required to follow the procedure stated above.

 

If you have received a final response but are dissatisfied, you have the right of referral to the Financial Ombudsman Service within six months of the date of your final response letter.  You may only refer to the Ombudsman beyond this time limit if we have provided our consent.

 

Whilst we and our UK service providers are bound by the decision of the Financial Ombudsman Service, you are not. Following the complaints procedure above does not affect your right to take legal action

If you are dissatisfied with the way your complaint has been handled, you can use the Online Dispute Resolution Platform (ODR) to submit your complaint for an independent assessment http://ec.europa.eu/consumers/odr 

COMPENSATION SCHEME

 The Financial Services Compensation Scheme covers this policy. You may be entitled to compensation from this scheme if we cannot meet our liabilities under this policy. Further information about compensation scheme arrangements is available at www.fscs.org.uk or by telephoning 0207 741 4100.

 

HOW WE USE YOUR INFORMATION

 

Introduction

 

We believe in keeping your information safe and secure. Full details of what data we collect and how we use it can be found in our privacy policy which you can access via www.supercoverinsurance.com or by requesting a copy from our Data Protection Officer (contact details below). This section provides you with some basic information and explains:

  • What we do with your information
  • How we may check the information you have provided to us against other sources such as databases
  • Who we share your information with, and
  • How we may use your information.

We are governed by the Data Protection legislation applicable in the United Kingdom

 

How we may collect your information

 

We may collect details about you from

  • Information you give to brokers
  • Information you give us in online forms and other forms
  • Other sources such as Google Earth and social media
  • Third parties and other sources
  • Telematics systems.

 

What information we may collect about you

 

We collect details including details about your health, personal circumstances, claims history, credit history, motoring history and other relevant details. We may collect information on you from databases such as the electoral roll and county court judgment records.

 

How we may share your information

 

In order to provide our services to you, we may share your information with other insurance companies, solicitors, regulators, business partners and suppliers. We may also have a legal obligation to provide your information, in certain circumstances, with regulators, police and other public bodies.

Information you supply may be used for the purposes of insurance administration by us and third parties. These third parties may share your information with their own agents.

 

How we may use your information

 

We may use your information for a number of purposes. These include:

  • Providing you with our services
  • Dealing with your claim
  • Carrying out checks such as fraud checks and credit checks
  • Providing you with information about our products and services.

We give details about some of these processes below.

 

Providing you with details on our Products and Services


Where you have given us your consent to do so, we will send you information about products and services of ours and other companies in our Group which may be of interest to you. We may contact you by telephone, letter or email (as you have indicated)


You have a right at any time to stop us from contacting you for marketing purposes or giving your information to other members of the Group.


If you no longer wish to be contacted for marketing purposes then please contact our Data Protection Officer (contact details below).

 

Fraud Prevention and Detection

We carry out fraud checks on our customers. We do this in order to prevent fraud and also to help us make decisions about the provision, pricing and administration of insurance.

When carrying out these checks, we will search against fraud detection databases.

We may pass details about you to some of these databases.

Law enforcement agencies, financial service providers, fraud prevention agencies, police and other organisations may also access these databases.

 

Claims History

We may process data relating to your claims history for the purposes of assessing any claim you may make.

The aim is to help us to check information provided and also to prevent fraudulent claims. When you tell us about an incident we will pass information relating to it to these databases. We may search these databases when you apply for insurance, in the event of any incident or claim, or at time of renewal.

 

Credit Searches and Accounting

In assessing an application for insurance or policy renewal, we may search files made available to us by credit reference agencies. They keep a record of that search.

Credit reference agencies share information with other organisations, enabling applications for financial products to be assessed or to assist the tracing of debtors, or to prevent fraud.

 

Transfers

Sometimes your information may be transferred outside the European Economic Area by us, by the organisations with whom we share your information or by the servants and agents of these organisations. If we do this we will ensure that anyone to whom we pass it provides an adequate level of protection.

 


Your Rights as a Data Subject

Under Data Protection Laws you have certain rights; these include for example, a right to understand what data we hold on you and a right to ask us to amend that data if it is incorrect. If you would like to exercise any of your rights please contact our Data Protection Officer (contact details below).

 

Data Protection Officer

 

If you have any questions about how we use your data, or to exercise any of your data rights please contact our Data Protection Officer at

 

Data Protection Officer

Supercover Insurance Limited

45 Westerham Road

Bessels Green

Sevenoaks

Kent

TN13 2QB