Insurance

What am I covered for?

There are three levels of cover:

  • Silver - Accidental Damage & Mechanical Breakdown and worldwide protection for up to 21 days in any one year
  • Gold - Theft, Accidental Damage and Mechanical Breakdown and worldwide protection for up to 21 days in any one year
  • Platinum - Theft, Loss, Accidental Damage and Mechanical Breakdown and worldwide protection for up to 21 days in any one year

Read important information about insurance here

Important Information

Please Note: This information below applies to all policies purchased after the 1st April 2015. If you purchased your policy prior to this date please refer to your Policy wording as your terms may differ to the ones below:

Mobile Device insurance, with the first month free

This general insurance policy provides cover for a contract mobile device purchased from A1 Comms trading as AffordableMobiles.co.uk underwritten by Amtrust International Underwriters Ltd and administered by Citymain Administrators Ltd.

Important Information

The Sale of Goods Acts lay down several conditions that all goods sold by a trader must meet. The goods must be of satisfactory quality, as described and fit for purpose.

Your statutory rights are limited which is why we offer insurance (not just an extended warranty) specially designed to protect your mobile device (but not e.g. accessories or car kits) for up to 5 years, (with the first month free) against the risks of theft, accidental damage (including water damage), loss and breakdown whilst being used in the United Kingdom (and worldwide for a maximum of 21 days in any 12 month period) by you as the person who purchased it (over the age of 16) or any of your parents, children, brothers and sisters who permanently live with you.

The Mobile Device Insurance offered on this site is underwritten by AmTrust International Underwriters Limited, whose registered office (registered number 169384) is at 40 Westland Row, Dublin 2, Ireland. AmTrust International Underwriters Limited is regulated by the Central Bank of Ireland. AmTrust International Underwriters Limited is also regulated for conduct of UK business under Financial Conduct Authority Ref. No. 203014. Details about the extent of this regulation are available from us on request. This can be checked on the FCA’s register by visiting the FCA’s website at www.fca.org.uk/register or by contacting them on 0800 111 6768.

Other Insurance (including some elements of household insurance) may be available for your mobile device other than from the insurer whose cover is offered on this site.

Your mobile device insurance will not be automatically terminated in the event of a claim being made.

Like all policies, there are some things this insurance does not cover. Importantly these include;

  • theft claims not accompanied by a Crime Reference Number.
  • the policy excess on each and every claim.
  • breakdown which occurs during the manufacturer’s warranty period.
  • abuse, wear and tear or gradual deterioration of the phone.
  • cosmetic damage to the phone.
  • any claim amount that exceeds the replacement value of your phone.
  • theft from an unattended vehicle unless the vehicle is locked and the phone is locked away and completely hidden.
  • for theft of your mobile phone left unattended in a public place or a place to which the public has regular access.
  • theft from any premises unless there is evidence of forced entry.

You are required to take all reasonable precautions to protect the mobile device against theft or damage.

Following your first months free insurance, premiums will be collected monthly in advance by Direct Debit and will continue by periods of one month (up to a maximum period of cover of 5 years) upon receipt of your monthly premiums. You can cancel your Direct Debit at any time.

You have a right to cancel the insurance by giving written notice of cancellation within 14 days of the receipt of confirmation of insurance cover to the Citymain Administrators Limited (“the Administrator”) at Enterprise House, Isambard Brunel Road, Portsmouth, PO1 2RX quoting your mobile phone number. If you do not exercise this right to cancel then your rights and those of the insurer to cancel this insurance cover thereafter are that you may cancel this insurance at any time by giving notice of cancellation, in writing or by telephone, to the Administrator. Cover will terminate immediately on receipt of your cancellation.

If you need to make a claim under the insurance contact the Administrator at the above address or on 0333 999 7907 (local rate call).