Total cover

• Mobile handsets replaced if lost, stolen or accidentally damaged
• Protection against call fraud
• Available company wide and on simple terms below

Total Cover for mobiles gives your company essential protection for a small monthly premium to ensure that you have no unexpected bills.

Ask your account manager for more details on 0870 7770777.

Terms of cover

Definitions

• Equipment shall mean ‘the handset/PDA (Personal Digital Assistant) (Excluding all other components, camera attachments, accessories and software downloads) having the IMEI (serial number) and mobile number jointly in use on and registered with Opal air time and associated accessories supplied with the relevant mobile phone excluding PCMCIA cards.’
• Customer/You shall mean ‘the customer of Opal and any person authorised by that customer to use the equipment.’
• Unattended shall mean ‘where the insured or authorised user is not in a position to prevent the loss, theft or damage to the equipment’.
• Loss shall mean the sudden or unforeseen physical loss or damage of the equipment.
  Theft or robbery shall mean the dishonest appropriation of equipment belonging to the customer if force or violence are used or threatened, with the intention of permanently depriving the customer of that equipment.
• Period of cover shall commence from the receipt of written instructions from you. This policy shall automatically renew on a monthly basis provided the insured pays the required premium unless cancelled in accordance with the terms below.

In consideration of continued payment of the monthly premium, Opal will indemnify you against the cost of repair or replacement of your mobile phone (to the same specification, which may be by way of refurbished equipment), where such equipment has sustained sudden and unforeseen physical damage or loss or theft during the period of cover, subject to the following terms and conditions…

Number of claims
The company shall only be liable to pay two valid claims within any 12 month period and one claim in any calendar month on any mobile phone number. Cover will only apply in respect of equipment that has been provided by Opal for connection to that number on the Opal mobile airtime account. This is tested by reference to the IMEI electronic serial number that is registered with the mobile network at the time of the claim.

Policy Territorial Limit
This policy shall only apply to the customers and their employees who are permanently resident in the United Kingdom and whilst those customers are temporarily travelling in any other country where the equipment is usable up to a maximum of 30 days travel per year.

Excess
The company shall not be liable in respect of the first £25 of any claim except where the claim is for replacement equipment which has a value up to £200 or the first £50 where the claim is over £200.

Exclusions
The following are excluded:

• Claims as a result of theft or attempted theft of equipment from any vehicle or premises left unattended unless evidence of forcible and violent entry to the vehicle is provided;
• Claims as a result of theft of equipment left unattended in a public place or a place to which the public has regular access;
• Claims as a result of theft or attempted theft, loss or malicious/accidental damage unless reported to the police and Opal within 24 hours of discovery;
• Any process of cleaning, servicing, maintenance, adjustment or repair;
• Claims as a result of any loss where the equipment has been left behind in an unknown location or it’s whereabouts forgotten
• Repairs to exterior paintwork caused by scratching or chipping of paintwork or polished surfaces;
• Any cost or charges for which the manufacturer, supplier or distributor are liable in accordance with their standard warranty obligations.
• Loss of use nor any consequential loss of nature whatsoever
• Any Loss of damage caused by a wilful act or negligence of the customer, the customer’s employees or any person using the equipment with the customer’s permission.
• Loss or damage or consequential loss directly or indirectly occasioned by war, invasion, act of foreign enemy hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection or military or usurped power, nationalisation, confiscation, requisition, seizure or destruction by the government or any public authority.
• Loss or damage or consequential loss directly or indirectly occasioned by ionising radiations or contamination by the radioactivity from any nuclear waste from the combustion of nuclear fuel or the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof.
• Loss or damage or consequential loss directly or indirectly occasioned by pressure waves caused by aircraft or other aerial devices travelling at sonic or supersonic speeds.

Limit of cover
The company may at its option repair or replace the equipment provided with the same or similar equipment and subject to a maximum limit of £500 per authorised equipment claim.

The company will also reimburse the cost of unauthorised calls incurred by the customer against the equipment number account as a direct result of loss or theft, between the time of a loss or theft and the time the equipment number account has been barred, subject to a limit of £500 per authorised calls claim and subject to the customer barring the equipment number account with Opal within 24 hours of a theft or loss.

Reasonable precautions
The customer shall take all reasonable precautions to protect the equipment and shall maintain the equipment in a proper state of repair.

Fraud
If you give misleading information when making a claim the policy will be cancelled without notice by us and you will be liable to pay for benefits already paid to you under this policy. No refund of premium will be allowed and you may be prosecuted.

In the event of reporting a theft, Opal will blacklist the equipment and bar the equipment number account to prevent unauthorised usage. This will make the equipment unusable if found.

Claims – Procedure
Within 24 hours of the discovery of any incident that may give rise to a claim under this policy the customer must notify Opal to bar the equipment number from the account (in the event of loss or theft) and inform the company to commence the claim procedure.

In the event of theft, loss or malicious damage, the customer must also notify the Police and obtain a crime reference number or where available a Police report.

Cancellation
The company or the customer may cancel this policy by giving 30 days written notice to the other party.

Cooling off period
You also have a statutory right to a cooling-off period, which extends for 14 days from the later of the day you are informed that the policy has commenced and the day on which you receive the full terms and conditions of your policy and in this event you will receive a refund of any premiums already paid, unless we have already been notified of a claim.