Key Exclusions & Conditions

It is important to understand the cover you are about to purchase so please do refer to the full terms and conditions of cover to ensure that this product is suitable for your gadget.

Your gadget must be less than thirty six months old at policy inception and supported with a valid proof of purchase from a UK VAT registered company. Please be aware that your claim will be invalidated if the age of the gadget exceeds the age limit at the time of policy inception and/or you are unable to provide proof of purchase

This cover provides unlimited replacements and repairs per gadget during each 12 month calendar period of your policy and, in the event of a claim, your policy will be updated with the replacement gadget details
Details of any replacement of the gadget (IMEI/serial number) must be advised to us with proof of purchase in writing or by e-mail to us (support@loveitcoverit.com)
The gadget age must be less than thirty six months old at policy inception and supported with a valid proof of purchase from a UK VAT registered company who also provide a 12-month warranty
Second hand or used gadgets cannot be covered under this policy, unless such have been purchased either directly from the manufacturer or from a UK VAT registered company
Cover under this policy is subject to the payment of the premium by direct debit, credit card or PayPal and premiums being up to date other than during the cooling off period of 14 days where premium is not collected
You must be at least 18 years of age at the time of policy inception and a UK resident
Any claim which would be covered under any other gadget insurance policy
If we replace your gadget your policy is automatically updated to ensure cover continues and the damaged item becomes ours. In the event of a loss or theft claim if the gadget is returned or found you must notify us and send it to us if we ask you to
All other costs are specifically excluded that are directly or indirectly caused by the event which led to your claim unless specifically stated in this policy unless relating to airtime abuse for your gadget up to a maximum of £10,000

What is not covered

Applying to all sections of the policy, we will not pay for;

any large scale manufacturer defect
any claim where the Insured event occurs outside of the period of insurance
any new claim for the gadget if there is already an ongoing claim which has not been finalised due to any outstanding referrals and/or is awaiting validation proof that has not yet been supplied
the policy excess
any claim where all reasonable precautions have not been taken or where your gadget has not been used in accordance with the manufacturers instructions
any claim notified where pre-existing damage is evident and occurred prior to the inception of your policy
any claim where the circumstances cannot be clearly identified i.e. where you are unable to confirm the date and time of the occurrence
any loss or accidental damage where your gadget is not fitted with an active functioning SIM or where your network provider cannot verify the gadget has been in in active use since the inception of the policy and up to the event giving rise to the claim
any claim where proof of usage cannot be provided or evidenced and must show the IMEI/serial number of the gadget on cover (only applicable where user history is available for your gadget)
the cost of replacing any stored data or information including but not limited to tunes, songs, personalised ring tones, pictures, films, graphics, downloaded material or software whether arising as a result of a claim paid by this Insurance or otherwise
theft or loss of the gadget where you have not notified your network provider and blacklisted it within 24 hours of discovery of loss or theft
theft or loss of the gadget left unattended when it is away from your home
any claim for theft of your gadget when stolen from a motor vehicle unless the gadget is out of view in either an enclosed compartment, boot or luggage space and the vehicles windows and doors are closed and locked and all security systems are activated. In the event of theft of your gadget from a vehicle we will require sight of a repair invoice in relation to any damage caused to the vehicle which must be supplied with your claim
theft or loss of the gadget not reported to the police and/or Report My Loss within 48 hours and where you have not obtained valid crime reference number/reference
any claim presented under loss as an alternative to an unsuccessful theft claim
repairs carried out by third party repair centres not authorised or agreed for use by us
correction of gadgets where inadequate repairs have been carried out by third party repair centres
cosmetic damage that does not affect the functionality or operation of your gadget
gradual deterioration of the battery
any amount recoverable under any guarantee warranty or other insurance
gradual deterioration, mechanical or electrical breakdown of the gadget or an internal cause affecting the smooth running or functionality of the gadget damage or loss of functionality caused by software viruses
loss of use or any other related or connected loss the Insured may incur as a result of Loss, Theft or Accidental Damage to the gadget
accidental Damage to the gadget caused by the Insured deliberately neglecting it
any accessories that are not connected to the gadget at the time of an incident arising
any modifications made to your gadget that have changed the way in which it operates from the original specifications
any loss of your gadget, or loss of money expected from a transaction, from the sale or trade of your gadget
loss, destruction or damage contributed to or arising from riots, strikes, civil commotion or any act of terrorism
any process of heating, drying, cleaning, dyeing, alterations or repair to which the gadget is subjected to, and any damage caused by solar irradiation
we will not provide cover, pay any claim or provide any benefit if doing so would expose us to any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union, United Kingdom or United States of America.

Frequently asked questions

Our policies are underwritten by Collinson Insurance (a trading name of Astrenska Insurance Limited). Astrenska Insurance is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority in the United Kingdom, under Firm Reference Number 202846

We are a trusted, specialist provider of mobile phone and tablet insurance policies direct to the consumer. loveit coverit is a trading style of Pier Insurance Managed Services Ltd.

Pier Insurance Managed Services Ltd is authorised and regulated by the Financial Conduct Authority. FCA registration no. 311798.

We know that mobiles matter, which is why we’ll aim to get you yours within 24 to 48 hours of your phone insurance claim being approved.

Where possible, your replacement phone will be the same make, model, and colour as before. If this is not possible, or it’s no longer produced, we will provide a phone that’s as close as possible to the original in terms of value and features.

Your phone will either be brand new or refurbished as new – you won’t be able to recognise the difference though. It will also have a warranty.

See full FAQ

Key Exclusions & Conditions

Frequently asked questions

Who provides the insurance?

Who are loveit coverit?

How quickly will I get my replacement phone after I claim?

What replacement phone will I receive? Will it be the same?