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insurance terms and conditionsfor the virgin mobile servicedefinitions1. "we/us/our" shall mean virgin mobile telecoms ltd.2. "you/your" shall mean the private individual detailed on our customer record form.3. "equipment" shall mean the virgin mobile phone and its battery and mains charger as detailed on our customer record, purchased for use on the virgin mobile service.4. "unattended” shall mean where you are not in a position to prevent the physical loss, theft of or damage to the equipment, including whilst you are asleep.5. payment of the premium means when the cheque or credit card payment has cleared from your bank account.uk underwriting ltd on behalf of norwich union insurance limited (the ’insurer’), will in return for you paying the premium pay the cost of repair or replacement of the equipment which has sustained physical loss or damage during the 12 month period of insurance as a result of malicious or accidental damage, accidental loss or theft.topconditionsrepair/replacementthe insurer will repair the equipment or, at its option, replace the equipment with equipment which, in the opinion of the insurer, ** of equivalent specification and which may include reconditioned equipment. replaced equipment becomes the property of the insurer.topreasonable precautionsyou must take all reasonable precautions to protect the equipment from loss, theft or damage and must use the equipment in accordance with the manufacturer's instructions.topfraudthe insurer will not h**e to comply with th** policy in the event of fraud, false claims or non-d**closure of material facts on your part.topterritoryth** policy shall only apply to you if you are permanently resident in the united kingdom and whilst you are temporarily tr**elling in any other country where the equipment ** usable, for a maximum of 90 days in any one calendar year.topclaimson d**covery of any incident that may give r**e to a claim under th** policy you must: notify us within 24 hours and begin the claim procedure; where the claim ** for theft or loss, notify us within 24 hours to immediately bar your customer account with us in respect of the equipment and to begin the claim procedure; notify the police within 24 hours in the event of theft, loss or malicious damage and obtain a crime reference number or where **ailable a police report; complete and return the claim documentation as directed. for the insurer to be liable the equipment must be repaired or replaced by the insurer or an author**ed repairer nominated by the insurer.the insurer will not be liable if you do not comply with any of the conditions (a) to (d) above.topcancellationif within 28 days of purchasing the policy you decide that the policy ** not suitable for your needs please adv**e us by calling 0845 6000 789 and you will receive a full refund (subject to no claims being made). after the 28 day period and subject to condition 7 below the policy ** for an annual period. however if we w**h to cancel th** policy, 30 days notice in writing will be provided to your last known address and a pro-rata return of premium will be payable to you.toptotal loss exhaustionfollowing a valid claim which results in the equipment being replaced, all cover under the policy will cease without any return of premium. if cover ** required on the replacement equipment a further application and premium will be required.topgeneral exclusionsth** policy shall not apply in respect of: loss of use of the equipment nor any consequential loss of any nature whatsoever. any loss, theft or damage: caused by a wilful act or negligence of you, your employees or any person using the equipment with your perm**sion; caused by war r**ks, terror**m, sonic booms or nuclear radiation. topspecific exclusionsthe insurer shall not be liable in respect of: the first £25 of any claim for loss or theft or damage; the cost of replacing any personal**ed ring tones or graphics. any damage of fault caused by any form of electronic virus. any process of cleaning, servicing, maintenance, adjustment or repair; any defects for which the manufacturer, supplier or d**tributor ** liable in accordance with their standard warranty obligations; any cost, of whatsoever nature, ar**ing from incorrect use of security codes, programming errors or incorrect operation; the insurer will not meet any claim caused by or attributable to: loss or theft or malicious damage unless reported to the police within 24 hours of d**covery; loss or theft of equipment left unattended in a public place or a place to which the public has regular access; theft by the third party where the equipment ** hired or rented by or lent to a third party; theft of equipment from any prem**es or vehicle unless the equipment ** secured out of sight in a separate compartment within the prem**es or vehicle and the prem**es or vehicle h**e been securely locked and there ** evidence of physical damage to the prem**es or vehicle as a result of forcible or violent entry; theft of equipment from any open topped or convertible vehicle; loss or theft of equipment left unattended on or in any form of public transport including but not limited to public and private hire vehicles; any loss or theft where the equipment has been m**placed in an unknown location or its whereabouts forgotten. by applying and making payment for th** policy you will be deemed to h**e read, understood and accepted these terms and conditions.topimportant noteyou are reminded that it ** essential you provide all material **rmation likely to influence the acceptance and assessment of th** insurance. if you h**e any doubts as to whether a fact ** material it should be d**closed. failure to d**close any material facts may invalidate your policy or may result in your policy not operating fully. we may also respond to enquiries by the police concerning your policy in the normal course of their investigations. where it ** necessary to admin**ter your policy effectively or to protect your interests, we may d**close the personal data you h**e supplied to other third parties such as loss adjusters, repairers, replacement companies, other insurers etc.data protection: the data supplied will only be used for the purposes of processing your policy of insurance, including underwriting, admin**tration and handling any claim which may ar**e. the data supplied will not be passed to any other parties other than those, whom we h**e mentioned in th** form. it ** important that the data you h**e supplied ** kept up to date. you should therefore notify us promptly of any changes so that we may update our records.topcomplaints procedurein the event of a complaint ar**ing under th** insurance, you should in the first instance write to: -the managing directorcatalyst solutionsadminicle ltdcallidus housecirencester business parklove lanecirencestergloucestershiregl7 1xdif the matter still remains unresolved thereafter you can then write to the insurers at:uk underwriting ltd2 gibraltar housebowcliffe roadoff gibraltar **land roadleedsls10 1rjonce you h**e been through th** procedure, if you are still not sat**fied, you will also h**e the right to ask the financial ombudsman service to review your case, without prejudice to your right to take legal proceedings, at the following address:financial ombudsman servicesouth quay plaza183 marsh walllondone14 9srtop 20210311