Frequently Asked Questions
What does Insure and Smile cover?
We offer insurance on Mobile Phones, PDA's, MP3 Players, ipods, Satellite Navigation Systems, PSP's and other portable consoles, Camera's, Camcorders and Personal Media Players.
What is Insure and Smile?
Insure and Smile is an insurance policy designed to cover those everyday gadgets and consumer electronics that we never leave the house without! The monthly premium is dependant on the option chosen from one of the following:
- Option 1 - Mobile phones from £2.49 per month £24.90 annually
- Option 2 - Laptops from £3.99 per month £39.90 annually
- Option 3 - 3 gadgets maximum value £300 each - £7.99 per month or £95.88 annually.
- Option 4 - 5 gadgets maximum value £300 each - £9.99 per month or £119.88 annually
You can also add additional gadgets at £300 maximum value for £2.50 per month or £30 annually
All premiums are inclusive of Insurance Premium Tax (IPT)
Why do I need to insure?
Many of us don’t realise the value of the every day items carried in our briefcase / rucksack / handbag. It's only when something goes wrong and we have to replace these products that we understand the true value, both personally and financially of our every day gadgets.
Won’t I be covered under my Home Insurance Policy?
You may already have some cover if you have an existing Home Insurance policy and have taken out All Risks or Personal Possessions insurance away from home. Usually this will attract an additional premium and it is important to check whether you need to specify particular gadgets in order for the cover to be in force. Typically excesses charged on a home insurance policy will be greater than that charged under the Insure and Smile insurance policy and your cover may be different to that offered under Insure and Smile.
Won’t I be covered under my Travel Insurance policy?
You may have some cover for gadgets if you have a travel insurance policy in force and have requested cover for your personal effects and valuables. However it is unlikely to be as extensive as Insure and Smile e.g. you may find the maximum cover per gadget is much lower and the total amount of valuables covered will also include other items such as jewellery.In addition the excess is likely to be higher. Also your gadgets are unlikely to be covered for everyday usage in the UK. Do check with your travel insurers and/or your travel insurance policy if you’re not sure.
What is covered under the policy?
Theft - including unattended theft from a secure vehicle - secure premise Accidental Damage (including Liquid Damage) Cover whilst abroad for up to 60 days.
Am I covered if I simply lose or mislay my gadget?
No. Cover is for theft and accidental damage only (Click policy wording for full details)
What are the main exclusions?
Leaving the gadget unattended, except in a secure vehicle or premises. Not reporting the theft within 24 hours to the police, or, in the case of mobile phones and PDA's, not reporting the theft to the Service Provider within 12 hours to stop the line and blacklist the handset.
The first £25 of each claim
Is there an excess fee?
If your claim is for a laptop, there is a £75 excess fee for each claim. If your claim is for an iPhone, the excess fee is £100 for any claim. For all other items, there is an excess fee of £25 for UK claims and £75 for international claims
Whose gadgets can I include under my policy?
You can include gadgets owned by your immediate family which includes your mother, father, spouse, domestic partner and children who you are responsible for.
Are my gadgets covered both in the UK and Abroad?
Yes, for as long as the policy is in force in the UK and for up to 60 days per year worldwide
If I claim under Insure and Smile Insurance will the no claims bonus on my Home Insurance be affected?
No this is unlikely but it may be worth checking with your Home Insurers
Do I need to supply receipts in the event of a claim?
Yes, in the event of a claim you will need to provide receipts or some proof of purchase for all items you are claiming for. To speed up the process you may forward copy receipts at the start of your policy to the address below, we will keep these on file and use them to verify the items in the event of a claim.
Is there an age restriction on the items I can insure?
Yes each item must be less than 18 months old at the start date of the policy.
What is the claims procedure?
In the event of a claim you must:
* Report the theft to the police within 24 hours of discovery
* Report the theft of a mobile phone / PDA to your Service Provider immediately, but in any case within 12 hours of discovery
* If your claim relates to a faulty item, the faulty item must be provided
* Contact us within 48 hours of discovery of any claim on 0871 222 1150
Failure to comply with the above may result in your claim being delayed or rejected
Do I have to complete a written claim form?
No. The majority of our claims are processed over the phone however you may claim online if you prefer. Unlike many other insurers, we do not insist on delaying your claim while we wait for paperwork to be posted back and forth.
How do I claim?
You can make a claim by calling our dedicated Claim Advisors on 0871 222 3229 or writing to:
Insure and Smile
Claims Department
204 Cumberland House
80 Scrubs Lane
London
NW10 6RF
Telephone: 0871 222 3229
E-Mail: claim@InsureandSmile.com
Who is the policy Underwritten by?
Policies are underwritten by Fortis Insurance Limited, Registered in England No.354568. Registered Office: Fortis House, Tollgate, Eastleigh, Hampshire, SO53 3YA
When does my cover commence?
Your cover begins when your first premium for the insurance is paid.
What should I do if I replace one of my items?
You should contact customer services 0871 222 3229 with your new item details and also post a copy of your receipt to Insure and Smile, 204 Cumberland House, 80 Scrubs Lane, London , NW10 6RF
How can I cancel the insurance?
If you have an annual policy you will have 14 days to cancel it and get a full refund, starting on the day you receive the policy documentation or the start date of the period of cover which ever is the later. This is known as the ‘cooling off’ period.
Thereafter, regardless of whether you have an annual or monthly policy ,you may cancel the policy by giving us 30 days notice in writing. If you have paid an annual premium you will be entitled to a refund equating to the period of cover remaining under the policy after the 30 day notice period, provided you have not made a claim in the current period of cover.
You can e-mail cancel@InsureandSmile.com or write to Insure and Smile, 204 Cumberland House, 80 Scrubs Lane , London , NW10 6RF
What is the Complaint Procedure?
Our goal is to give excellent service to all our customers but we recognise that things do go wrong occasionally. We take all complaints we receive seriously and aim to resolve all our customers problems promptly. To ensure we provide the kind of service you expect we welcome your feedback. We will record and analyse your comments to make sure we continually improve the service we offer. In the first instance you must notify the Customer Service Manager at Insure and Smile at the address shown below if you have a complaint.
Insure and Smile
204 Cumberland House
80 Scrubs Lane
London
NW10 6RF
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