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Policy Summary - Terms and Conditions

Please read this document carefully. The information contained in this Policy Summary will serve as a valuable reference guide and will help you determine what is covered by your participation in the Electronic Device Insurance Policy (the “Policy”), underwritten by Allmerica Financial Benefit Insurance Company (A Member of the Hanover Insurance Group).

WHAT DEVICES ARE COVERED

Mobile Phones and/or Tablet purchased and owned by you.

WHAT PERILS (LOSSES) ARE COVERED

1. Accidental Damage: Drops, Cracked Screens, Spills, and Liquid Submersion
2. Theft, Burglary, and Robbery
3. Standard Perils: Fire, Flood, Natural Disasters, Vandalism, and Power Surge by Lightning

LOSSES WE WILL NOT COVER

1. Corrosion & Rust
2. Cosmetic Damage
3. Dishonest Acts
4. Intentional Acts
5. Nuclear Hazard
6. Power Surge (except lightning)
7. Theft From An Unattended Vehicle
8. Unexplained Loss or Mysterious Disappearance
9. War-Government Seizure
10. Wear And Tear
11. Programs - this includes software programs
12. Mechanical Failure & Manufacturer Defect

LIMIT OF LIABILITY

Number of Claims - (1) One per twelve month period
Amount per Claim – The Lessor of:

1. Cell Phones: $800; Tablets: $100
2. The cost to repair your damaged device – labor and parts included
3. The cost to replace your unrepairable or stolen device

DEDUCTIBLE

$25.00 per Incident

TERRITORY

This Plan is valid worldwide.

COVERAGE BEGINS

Immediately upon notification of eligibility from your Program Sponsor.

ELIGIBILITY

In order to be eligible for coverage under the Policy, you must:

1. Meet the eligibility requirements of the Covered Group AND
2. The covered device must be fully operational and not damaged as of the date on which you first became eligible for participation in your Covered Group

CLAIMS PROCESS

Please note that the submission of a claim form on the claims portal with required documentation does not automatically mean that the repairs to/replacement of your device is a covered claim under the provisions of the Policy.

A. REQUIREMENTS FOR CLAIM SUBMISSION (“Proof of Loss”):

1. You must submit your claim FIRST, before repairing or replacing your mobile device or your claim will be denied.
2. Your claim must be submitted within 90 days following the date of your Loss or your claim will be denied.
3. If your Loss is a result of theft, burglary or robbery, you must notify the local police immediately and file a police report.
4. If your Loss is a result of theft, burglary or robbery, you will be asked to submit a copy of the police report to support your claim and proof of ownership of your covered device in the form of a receipt, bill of sale, or paid invoice.
5. If your Loss is for a repair, you will be asked to submit proof of ownership of your covered device in the form of a receipt, bill of sale, or paid invoice.
6. If your device cannot be repaired, we will send you payment as outlined under “What Perils (Losses) are Covered” above.
7. The cost of your repair cannot exceed the "current value" of your device. We will either repair or replace your device, whichever is the lesser cost of the two.
8. You will be asked to send a sworn Proof of Loss Statement along with other information we may request including, but not limited to, a copy of your mobile device wireless bill for the previous month showing your device had activity on your account.
9. Documentation requested can be sent via email or postal mail.

B. COMPLETE THE FOLLOWING STEPS TO HAVE A CLAIM CONSIDERED UNDER THIS AGREEMENT:

1. Go to the online claims portal within 90 days of the loss or damage of your covered device.
2. Enter all the required information on the electronic claim form.
3. A claims adjuster will review your submission. If no additional information is needed, you will receive an email with instructions and suggestions on approved repair/replacement facilities where you can take your device locally.
4. If there are questions about your submission, a claims adjuster will email or call you.
5. If your claim form is received prior to 3 PM Central Time, you will typically receive a response within 1 business day. If after 3 PM Central Time, you will typically receive a response within 2 business days.

Once your completed and signed claim form has been received, with all required documentation, it will be reviewed for approval in accordance with the provisions of the Policy.

1. If the claim is approved, either the repair facility will receive payment from the insurer or you will receive reimbursement in accordance with the “WHAT PERILS (LOSSES) ARE COVERED” and “LIMIT OF LIABILITY” provisions. Your loss will be settled at replacement cost value with no deduction for depreciation, less the deductible.
2. If the claim is denied, You will be sent an email or letter by mail explaining the reasons for the denial.

IMPORTANT: RESTORATION OR TRANSFER OF SOFTWARE AND/OR DATA, AND DATA RECOVERY SERVICES ARE EXPRESSLY EXCLUDED UNDER THE POLICY. WHEN AT ALL POSSIBLE, WE STRONGLY ENCOURAGE YOU TO BACK UP ALL SOFTWARE AND DATA ON A REGULAR BASIS.

NON-TRANSFERRABLE

Coverage under the Policy cannot be transferred to any other party or item.

CANCELLATION NOT APPLICABLE

Coverage under the Policy is provided at no additional cost to you. You have the right to choose whether or not to utilize the benefits that the Policy provides. In the event you do not wish to participate, you can consider the provisions proclaimed hereunder as null and void. Such nonparticipation decision does not require cancellation notice from you and no refund is applicable due to no cost to you.

PRIVACY AND DATA PROTECTION

You agree that we may collect and process data on your behalf when we provide the coverage contemplated hereunder. This may include transferring your data to affiliated companies or third-party service providers. Except for the purposes of providing the coverage proclaimed under the Policy, We will not share your information with third parties without your permission and we will comply with applicable federal and state privacy and data protection laws.

MISREPRESENTATION, CONCEALMENT OR FRAUD

The Policy will not provide coverage if you mislead, willfully conceal information, misrepresent any material information, attempt to defraud, or lie about any matter concerning the insurance, either before or after a loss. Any person who, with intent to defraud or knowing that he/she is facilitating a fraud against an insurer, submits an application or files a claim containing a false or deceptive statement is engaged in insurance fraud. Unintentional errors or oversights will not affect your coverage.

ENTIRE AGREEMENT

The Policy, including the terms, conditions, limitations, exceptions and exclusions, constitutes the entire agreement and no representation, promise, or condition not contained in the Policy shall modify the Policy.