Theft and Loss Terms & Conditions
This is a contract of insurance between you, the purchaser (you/your), and London General Insurance Company Limited (we/us/our).
We have appointed TWG Services Limited (the administrator) to administer this policy on our behalf.
This policy provides cover against theft and loss of your mobile phone.
Please note that having insurance cover does not mean that you should not take care of your mobile phone.
Customers with additional requirements
If you have hearing or speech difficulties, you can text telephone on 0330 100 3330. This document and all our literature is available
in large print, audio or Braille. We will be happy to provide you with a copy on written request, or you can call us on 0330 100 3637
to request a copy.
You are eligible for cover if:
• The mobile phone is for personal use by you and your resident family i.e. the policy will not cover business or commercial use;
• The mobile phone was purchased from John Lewis
Cover for accidental loss and theft will begin from the date you purchased the mobile phone as appears on your sales receipt or the
date you purchase this policy, whichever is the later.
Cover under this policy expires on the earliest of:
• The date your mobile phone is replaced by us or you receive an alternative settlement; or
• The expiry date as shown on your Confirmation Schedule
• The date you cancel the insurance
3. The cover you receive
3. The cover you receive
1. Eligibility
2. Duration
Cover Explanation
The mobile phone is covered against theft and loss.
Loss means when the mobile phone has been
accidentally left behind by you and you are unable to
locate your mobile phone
If your mobile phone is lost or stolen we will provide you with a replacement of the same make and
model.
Where we are unable to provide you with same make and model, the replacement will be of a similar
specification. The value of the replacement will not exceed the market value of your existing mobile
when it was originally purchased from John Lewis.
Where a replacement is not available, we will contact you to discuss alternative settlement.
Replacement The replacement may be a refurbished (not brand new) handset. We cannot guarantee we will be able to
replace your mobile phone with one of the same colour or replace any limited or special edition mobile
phones. The replacement phone will only be sent to a UK address.
Worldwide cover Cover is extended outside the UK for a period of up to 30 days in any 12 month period.
Summary Explanation
Not taking care of the mobile phone For example, if you knowingly do any of the below we may decline your claim for not taking care of your
mobile phone:
• leaving your mobile phone somewhere you can’t see it but others can
• leaving your mobile phone in the care of someone other than a person you trust
• leaving your mobile phone in any baggage; unless the baggage is carried by you or a person you trust
We will always take into account the situation when assessing your claim.
Accessories This policy does not provide cover for accessories which have either been supplied with the phone or;
that you have purchased separately.
Other cost or loss We will not cover any cost or loss of not being able to use the mobile phone or any costs or losses
associated with it.
