Three SOS Insurance €12.99
IntroductionThis insurance policy is underwritten by Zurich Insurance plc. Claims handling will be conducted by Fonecover Limited on behalf of Zurich Insurance plc. Zurich Insurance plc, registered office Zurich House, Ballsbridge Park, Ballsbridge, Dublin 4, is authorised and regulated by the Central Bank of Ireland for General Insurance business.
Policy definitionsThe words and phrases defined in the policy have the same meaning wherever they appear in bold text throughout the policy document.
Accidental Damage – accidental damage to your device that is fortuitous, sudden and involves an external force.
Device – the item being proposed by you in your application for insurance and as featured in your policy schedule.
Excess – the monetary amount of any claim which is not recoverable under the insurance policy and is payable by you.
This amount is shown on the policy schedule.
Immediate family – Your mother, father, son, daughter, spouse, domestic partner.
Insured – you, the person who owns the device in whose name the insurance policy is taken out (or anyone authorised
by you to use the device) as stated on the policy schedule.
Insurer – Zurich Insurance plc.
Limit of Indemnity – the maximum value recoverable under the insurance policy.
Loss – the unforeseen loss of your device where you are permanently deprived of its use. It does not cover loss of the device
where it has been intentionally left unattended.
Phonecover – Fonecover Limited.
Refurbished device – a device that has been returned to the manufacturer and then inspected, tested and restored to
fully functioning factory standard condition. It is made up of new parts or parts equivalent to new. Refurbished devices go
through the same approved manufacturer testing as new devices do, and are equivalent to new devices in performance
Terrorism – means an act, including but not limited to the use of violence and/or threat thereof, of any person or group(s)
of persons, whether acting alone or on behalf or in connection with any organisation(s) or government(s), committed for
political or other purposes including the intention to influence any government and/or to put the public or any section of the
public in fear.
Theft – the unlawful and intentional taking of the insured device from a secured premises or whilst the device is concealed
and secured on or about the insured person, by force or intimidation.
Unattended – the device is either not visible to you or your proximity to the device is such that you cannot intervene should
an incident occur that results in loss, theft or accidental damage to the device.
We or us – Zurich Insurance plc.
You – the insured, the person who owns the device in whose name the insurance policy is taken out (or anyone authorised by
you to use the device) as stated on the policy schedule.
The cover provided
In exchange for the payment of your premium Zurich Insurance plc will provide insurance for your device during the period
of cover stated in the policy schedule, subject to the terms, conditions, and limitations shown below or as amended in
writing by Zurich Insurance plc.
Commencement of cover
The cover period will commence on the date your application is accepted by Zurich Insurance plc, and confirmation of this
date is included in the policy schedule.
Period of cover
The period whilst the insured continues to pay premium as required to the insurer. If you pay monthly for your policy, then
your policy will automatically renew on a monthly basis on receipt of premium for up to maximum period of fifty-nine (59)
months, as notified in the policy schedule. If you have paid an annual premium for the policy then the policy will be for a
period of 12 months from the policy start date as notified in the policy schedule.
This insurance only covers devices bought and used in Republic of Ireland. Cover is extended to include use of the device
anywhere in the world up to a maximum of 60 days in total, in any single 12-month period.
Cover is provided under this product, in relation to your device, which is specified on the policy schedule you receive from us.
The insurance product
In the event:
1. of accidental damage to the device, we will arrange for repair of the device by a manufacturer authorised repair
company unless it is damaged beyond economical repair. If the device is damaged beyond economical repair, we will
replace the device with a refurbished device of same or similar specification if available, or where a refurbished
device is not available, replace your device with a new device of same or similar specification.
2. of loss or theft of a device, we will arrange replacement of the device with a refurbished device of same or similar
specification if available, or where a refurbished device is not available, replace your device with a new device of
same or similar specification. Any loss or theft must be reported to the Gardaí within 48 hours of discovery of the said
loss or theft.
In the case of points 1 or 2 above the limit of indemnity shall in no case exceed a replacement value of €1,500 including VAT.
3. In the case of a device, sustaining accidental damage to batteries, phone chargers, ear pieces, phone covers or
carrying cases the limit of indemnity shall not exceed €150 including VAT.
4. Where the device you have insured is the subject of loss or theft we will pay the cost of any fraudulent calls made up
to the limit of indemnity of €1500. The loss or theft must be reported by the insured within 48 hours of the loss or
theft occurring, to the Gardaí and to your mobile network provider, Three Ireland to ensure that the SIM card is cancelled.
The limit of indemnity shall not exceed €1500, including VAT, in respect of such fraudulent calls.
Exclusions applying to the cover
1. The insurance policy does not cover:
a) depreciation or loss, destruction or damage arising from wear and tear or superficial scratching or cracking that does
not affect the functionality of the mobile device or any process of heating, drying, cleaning, dyeing, alterations or
repair to which the device insured is subjected,
b) loss, theft, destruction or damage unless your active Mobile Network SIM card is in the device,
c) gradual deterioration, mechanical or electrical breakdown and software viruses,
d) loss, destruction or damage caused directly or indirectly by riots, strikes, civil commotion or any act of terrorism,
e) repairs to the device that are included in any warranty issued with the device,
f) theft from road vehicles unless such theft is from a locked boot or a closed glove compartment,
g) loss of use or any consequential loss arising from loss, destruction or damage of the device,
h) any loss of or damage to information or data or software contained in or stored on the device whether arising as
a result of a claim paid by this insurance or otherwise,
i) claims not received by us within 30 days of the incident date,
j) the value of any pre-paid call vouchers or call credit at the time of loss, theft, destruction or damage,
k) more than two claims where policy cover is accepted and repair or replacement occurs within any 12-month period,
l) damage caused by the insured as a result of not maintaining the device in accordance with the manufacturer’s
m) loss, theft or accidental damage if the device serial number has been tampered with in any way,
n) unexplained loss of the device.
2. The cover provided by this policy does not apply where the insured is under 18 years of age.
The insured shall be required to pay an excess payment for each and every successful claim. The amount of this excess is
as stated on your Policy Schedule.
Conditions applying to the cover
Precautions by the insured
The insured shall take all reasonable steps to safeguard the insured device against loss, destruction, damage or theft.
Should Phonecover replace any device then the original device becomes the property of Phonecover. If the original
device is recovered, the insured must return it to Phonecover.
You cannot transfer the insurance to someone else or to any other device without written permission from us.
The insurer may cancel the cover at any time by sending fourteen (14) days’ notice to your last known address and will
return to you the amount of premium in respect of the unexpired period of insurance.
You have the right to cancel the policy by giving us notice in writing. We will return to you the amount of premium in
respect of the unexpired period of insurance.
1. On the discovery of loss, theft, destruction or damage which may give rise to a claim the insured shall:
a) report the loss or theft of any device within 48 hours of discovery to Three Ireland to ensure your SIM card is
suspended and your device is blacklisted,
b) report the loss or theft to the Gardaí within 48 hours of discovery of the said loss or theft,
c) give notice to Phonecover on 1850 797 000 and fully complete a claim form, supply any additional details that may
reasonably be required to substantiate the claim and return the completed claim form to Phonecover within 30 days
of loss, theft, destruction or accidental damage,
d) provide a copy of the purchase receipt for the device. The proof of purchase must include the device IMEI/Serial
number and a date the device was purchased from a Republic of Ireland VAT registered Company,
e) you must provide Phonecover with any receipts, documents or proof of purchase or repair, that it is reasonable for
Phonecover to request.
2. We will pay the insured in respect of a maximum of two claims during any 12-month period. This limit excludes
replacement of accidentally damaged batteries, phone chargers, ear pieces, phone covers or carrying cases not exceeding
€150 including VAT and the cost of any fraudulent calls made, our liability shall not exceed €1500, including VAT, in
respect of such fraudulent calls.
3. Under the conditions of your policy, the insured shall disclose to the insurer all insurance and non-insurance related
incidents whether or not they have given rise to a claim in respect of the loss, theft, destruction, damage or theft of
If any claim is in any respect fraudulent or if fraudulent means or deception is used by the insured or any person acting on
the insured’s behalf to obtain any benefit under the policy all benefit under the policy shall be forfeited.
Alterations to annual premium and terms and conditions
The insurer reserves the right to alter the premium payable and the terms and conditions applicable to the policy at any
time. In such event the insured will receive written notification of such amendments to the premium payable and the terms
and conditions applicable to the policy. If you do not agree to these changes you have the right to cancel the policy by
giving us confirmation in writing and we will return to you the amount of premium in respect of the unexpired period of
insurance. No return of premium will be allowed if you made a claim during the current period of insurance.
The finance act 1990
The appropriate Stamp Duty has been or will be paid in accordance with the provisions of the Stamp Duties Consolidation
All monies which become or may become due and payable by the insurer under this policy shall in accordance with Section
93 of the Insurance Act 1936, be paid and payable in the Republic of Ireland.
It is understood and agreed that the currency of all premiums, limits of indemnities and excesses shown on the policy
schedule and policy document issued to the insured shall be deemed to be Euro.
Under the relevant European and Irish Legal provisions, the parties to this contract of insurance, we, the insurer and you,
the insured, are free to choose the law applicable to the contract. We propose that this contract is governed by Irish Law.
applicable data protection laws and principles. Information you supply may be used by us for the purposes of administering
your policy (including underwriting, processing, claims handling and fraud prevention) within the Zurich Insurance Group
and our partners inside and outside the European Economic Area.
We may share with our agents and service providers, members of the Zurich Insurance Group, other insurers and their
agents, and with any intermediary acting for you, and with recognised trade, governing and regulatory bodies (of which
we are a member or by which we are governed) information we hold about you and your claims history. This includes
the Insurance-Link database and the Insurance Ireland anti-fraud claims matching database. We may also in certain
circumstances use private investigators to investigate a claim. We may also need to collect sensitive personal data (for example,
information relating to your physical or mental health or the commission or alleged commission of an offence) to assess the
terms of insurance we issue/arrange or to administer claims which arise. You have a right of access to and a right to rectify
data concerning you under the Data Protection Acts 1988 and 2003. Should you wish to exercise this right, please write
to the Data Protection Officer, Zurich Insurance, PO Box 78, Wexford. To access your data, a fee of €6.35 is chargeable
under the terms of the Data Protection Acts and cheque should be made payable to Zurich. By providing us with your
information and proceeding with this contract, you consent to all of your information being used, processed, disclosed,
transferred and retained for the purposes of insurance administration (including underwriting, processing, claims handling
www.zurichinsurance.ie or requested by writing to our Data Protection Officer at Zurich, PO Box 78, Wexford. Alternatively
you can email firstname.lastname@example.org
If it should happen that you have cause for complaint, either in relation to your policy or any aspect regarding the standard
of service, please see the steps outlined below.
1. In the first instance, you should contact Phonecover, Telephone 1850 797 000, or email at email@example.com
2. If the matter remains unresolved to your satisfaction you can contact Zurich at (01) 6670666 or alternatively you can
write to the Customer Services Co-ordinator at PO Box 78, Wexford, or by email to firstname.lastname@example.org.
3. Alternatively you may wish to contact:
(i) Financial Services Ombudsman’s Bureau, 3rd Floor, Lincoln House, Lincoln Place, Dublin 2. Lo-Call: 1890 88 20 90.
(ii) The Central Bank of Ireland, P.O Box 559, Dame Street, Dublin 2. Lo-Call: 1890 77 77 77.
(iii) Insurance Ireland, First Floor, 5 Harbourmaster Place, IFSC, Dublin 1. Telephone: (01) 676 1914