TERMS AND CONDITIONS

If you have any questions regarding the terms and conditions or you would like to make a claim, then please contact us through either of the details below

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THE COVER

Subject to the general conditions, exclusions, general exclusions, claims procedure, level of cover purchased and any other terms of this cover set out in this document together with your supporting certificate schedule you are covered for:

Accidental damage & breakdown following a valid claim for any appliance(s) specified in your certificate schedule.

You are covered against the replacement cost of your appliance(s) in the event of breakdown and accidental damage whilst in your possession or that of your immediate family at your address as specified in the certificate schedule during the period of cover. If your appliance is replaced and your faulty equipment is not taken away, you will be responsible for disposing of the appliance at your own cost.

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Descriptor: ApplianceCoverAssured

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Number: 0800 058 8159

DEFINITIONS

Accidental Damage

The sudden and unforeseen accidental damage to the appliance(s) including liquid damage not otherwise specifically excluded from this Policy.

Administrator, Our, We or Us

Appliance Cover Assured Limited – The Company providing the cover for your appliance

Authorised Engineer

An industry specialist who is qualified to install the equipment and is authorised by APPLIANCE COVER ASSURED LIMITED to do so

Your covered appliance(s) details will be included within your protection certificate, which will be provided by the administrator following purchase. The appliance(s) must be in full working order at the #point of application for this cover without having been previously repaired. Your appliance cover will cease once the appliance is 8 years old.

Appliance(s)

All appliance(s) must have been purchased as new from a UK VAT registered company within the last 6 years, as evidenced by a valid and relevant Proof of Purchase.

Breakdown

The actual breaking or burning out of any part of your appliance(s) during in ordinary use, arising from condensation, dampness, internal electronic, electrical or mechanical failure in the appliance(s) causing sudden stoppage of its normal function.

Certificate

The document (which is to be read in conjunction with this policy) which includes the unique details of your appliance(s) and chosen cover.

Excess

The amount you must pay towards the cost of any claim. The excess amount required is £49.

The period during which, if your appliance(s) is damaged, breaks down or suffers liquid damage, you will not be able to claim. This period is:

14 days after the start date of Your policy 14 days after any change to your policy in which you add an Appliance(s) to your policy or replace your current covered appliance(s) (the Exclusion Period in this case applies to any Appliance(s) You add). 14 days after a late payment of your cover premium amount if you are paying by Direct Debit. Should an incident occur within the 14 day Exclusion Period You will not be able to make a claim during that time or at any time in the future for that circumstance or any circumstances relating to it.

Immediate Family

Your spouse or partner, children, brothers, sisters (who must be over the age of 16) and parents who permanently reside with you at the same address.

Policy Provider

APPLIANCE COVER ASSURED LIMITED, Unit 24 Highcroft industrial estate, PO8 0BT

Company Registration No: 12537282

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Step By Step Process

Once the plan is sold to the specific requirements of the customer, a certificate for proof of purchase will be sent to the customers address within 3-5 working days. In the event of a breakdown, if repairs or replacement parts are required a trusted engineer will fix the issues within 5 working days. If the item is unrepairable, or beyond economic repair, a replacement item will be sent within 7 working days, the delivery will be tracked via courier and certified on delivery.

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Limit of Liability

The coverer’s maximum liability for any claim shall not exceed the maximum replacement value of your appliance(s) at the time of loss, and in any case will not exceed the maximum limit specified in your certificate schedule

Period of cover

The cover starts at the time of payment for the cover. The policy will be for a minimum of 12 months and each year or when the policy expires we will offer to renew your policy for a further period of 12 months. If you do not tell us that you do not wish for the policy to continue, it will automatically be renewed.

Monthly and annual premiums, which are inclusive of cover premium tax, will be collected by the administrator via direct debit or debit/credit card. This cover may be terminated immediately if the cover does not receive your premium on the date(s) specified in your certificate schedule.

Proof of Purchase

An original document showing the make, model and Serial Number of Your Appliance(s), the date of purchase, that it is owned by you and that it was purchased as new from a UK VAT registered company.

Serial Number

The Serial Number is a unique combination of characters that identifies your appliance(s).

Territorial Limits

The area in which APPLIANCE COVER ASSURED LIMITED provides cover within the United Kingdom, this excludes the Channel Islands and Isle of Man.

You/Your

The person (over the age of 18) who has purchased appliance cover as described in your protection certificate from the administrator. You must be a permanent UK resident in the United Kingdom with the right to indefinite leave to remain in the UK. APPLIANCE COVER ASSURED LIMITED reserves the right to request proof of residency e.g. valid UK passport or full UK birth certificate.

POLICY EXCLUSIONS:

4.1. Specific Accidental Damage exclusions

a) Any damage to the appliance caused by or related in any way to a software virus or any other software malfunction.

b) Any damage directly occasioned by pressure waves caused by aircraft and other aerial devices travelling at sonic or supersonic speeds.

c) Damage caused by not taking measures that would be reasonably expected of you to take to prevent or mitigate accidental damage of your appliance(s).

d) Malicious damage.

4.2. Specific Breakdown exclusions

A) Any malfunction of the appliance(s) caused by or related in any way to a software virus or any other software malfunction.

B) Any breakdown:

I) that occurs during the manufacturer’s guarantee or warranty period,

Ii) Caused by placing or using the appliance(s) in a location or environment that is not in accordance with the manufacturer’s advice or instructions.

GENERAL EXCLUSIONS

1. Any claims made during the exclusion period. Any excesses must be paid before a claim can be processed.

2. The cost of any claims relating to a level of cover you have not purchased.

3. Accidental damage whilst the appliance(s) is in the possession of any third party other than your immediate family at your address as shown in your certificate schedule.

4. Any incident arising from abuse, misuse or neglect.

5. Accidental damage or breakdown to any additional equipment or accessories.

6. Cosmetic damage which includes but is not limited to wear and tear or gradual deterioration, corrosion, rust, dust or change in temperature, gradually developing defects, cracks, flaws or fractures, scratching, chipping, abrasion, change of colour, texture or finish.

7. Routine maintenance, adjustment, modification or servicing.

8. The vat element of any claim if you are vat registered.

9. Any other costs that are indirectly caused by the event which led to your claim, unless specifically stated in this policy.

10. Any legal liability directly or indirectly caused by or contributed to or arising from:

A. Ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel.

B. The radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof.

11. Any loss or damage or liability directly or indirectly occasioned by, happening through or in consequence of war, terrorism, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power, or confiscation or nationalisation or requisition or destruction of or damage to property by or under the order of any government or public or local authority.

12. A claim where you or your immediate family cannot confirm the circumstances of the claim to our satisfaction or where we identify as fraudulent behaviour.

13. Any claims for appliance(s) purchased from an online auction site or online market place unless you provide a receipt as new from a uk vat registered company.

14. A claim resulting from the failure of any microchip, software, electrical or computer equipment, micro-controller, accessories or associated equipment to correctly recognise and process any calendar date or time.

15. Any appliance that was not in full working order upon purchase of this policy and without having been previously repaired.

16. Any claim submitted by you where the make, model, specification, and/or serial number differ from the original details provided by you when the policy was initially purchased.

17. Theft or loss of your appliance.

18. Commercial appliances or domestic appliances in a commercial environment e.g. a bed and breakfast establishment or a hostel.

19. Any cost of fitting a replacement appliance that requires modifying of any cupboards or storage unit and/or work surface where the appliance is integrated into the units and has become obsolete.

20. Transportation costs, delivery costs in excess of £50 and installation of a new appliance or reinstallation of the original appliance.

21. Any corrosion, denting, blockages or scratching of the appliance.

22. Any realignment or re-sighting of satellite dishes.

23. All costs incurred where no breakdown has been found.

24. Any breakdown, damage or malfunctions of the appliance that have previously been repaired prior to this cover application.

25. Any costs arising from waiting for a courier or engineer or rearranging missed appointments with couriers or engineers.

26. Faults resulting from you failing to follow the operating and maintenance instructions of your appliance as per the manufacturer’s guidelines.

27. Faults that arise from your appliance being tampered with by an unauthorised person or a non-manufacturer approved engineer.

28. Any damage that happens after the incident occurred due to the continued use of the appliance.

29. Any Appliance being moved or in transport.

FORCE MAJEURE

If we are prevented from providing services under this policy as a result of an unusual or unforeseeable event or circumstance beyond our reasonable control (‘force majeure’), we shall not be in breach of this agreement. In such circumstances we shall be entitled to a reasonable extension of the time for performing such obligations, provided that if the period of delay or non-performance continues for one month, you may terminate this agreement by giving 14 days’ written notice to us. Liable force majeure events include, but are not limited to, war, threat of war, riot, civil disturbance or strife, terrorist activity (actual or threatened), industrial dispute, natural or nuclear disaster, fire, flood, major adverse weather conditions, acts of god and failures of our subcontractors to perform their obligations.

GENERAL CONDITIONS

Cover

1. Cover may terminate immediately if your monthly premium has not been paid to the administrator as detailed in your certificate schedule.

2. Cover is limited to three claims per policy year and not exceeding the maximum claim limit for each appliance covered.

3. If you are paying for monthly cover and make a claim you will be required to pay the premium for a minimum term of 12 months in advance before we can authorise a claim. The remaining premium must be received within 30 days of the claim date. If you have added an appliance(s) to your policy part way through your policy and you make a claim for that appliance(s), you will be required to pay a full 12 months cover for that appliance(s).

4. We may change the terms and conditions of the policy and or the premium. We will give you 30 day’s written notice via email of any changes.

Original documents

5. Original documents must be provided in all cases. We will not accept handwritten receipts or documents not on headed paper. We will not accept forwarded emails or documents that appear to have been modified in any way. We reserve the right to verify any documentation supplied to us.

6. If no fault is found with your appliance you may be liable for all claim costs.

Cooling Off Period and Cancellation

To cancel your policy at any time you must either send written notification via post or email to Appliance Cover Assured Limited or contact us directly on our company telephone number, if someone who has Power of Attorney over the policy holder wishes to cancel the agreement then they must provide relevant evidence to show this as well as a written request which is signed and dated. You may cancel your policy at any time during the policy term however any refund due will depend on when you cancel and whether you have made a claim.

You will only receive a full refund of the premium you have paid if you cancel your plan within fourteen (14) days of full payment being received for the service plan to be set up (cooling off period), after the days are up the an administration charge of £35.00 will be taken from the original amount.

Replacement Appliances

Should you replace your appliance(s) with a new appliance(s) the coverer may consider transferring the cover from you old appliance(s) to your new appliance(s), providing your new appliance(s) remains within the same price banding. You must advise the administrator of the make, model and serial number of the new appliance(s). The cover will be transferred from the date confirmed by the administrator.

Fraud

We operate a zero tolerance policy on fraud to ensure our honest policyholders can benefit from lower premiums. If you or anyone acting on your behalf makes a fraudulent or false claim you will forfeit all rights under this policy. We reserve the right to retain all premiums paid and recover any costs incurred as a result of any false or fraudulent claim. Your details may also be shared with the police and other cover companies.

Claims

In the event of a claim you must comply with the required timelines specified in the claims procedure below. Your monthly or annual premium must have been received at the time of claiming. Any excesses must be paid before a claim can be processed. Failure to observe the claims procedures may invalidate your claim.

CLAIM PROCEDURE

Claims are subject to a £49 excess fee. Failure to observe these procedures may invalidate your claim.

Accidental Damage Claims

You must keep all parts of your appliance(s) until the claim/issue is resolved.

Replacements

You must notify the Appliance Cover Assured Limited via the helpline TO BE ADDED within 10 working days of discovering the issue. The Company’s office hours are 10.00am to 18.00pm Monday to Thursday, 10am to 4pm Friday.

our claim may be invalidated if you do not supply any of the required documents that we informed you of at the inception of your policy and no refund will be given.

You must complete the online claims form fully and submit it in accordance with the administrator’s instructions , and in any event within 30 days of notifying the claim incident together with any requested supporting documentation (original documents only), serial number (where applicable), pay the excess and remaining premium for your policy if you are paying on a monthly basis. Any claims forms that are not submitted within 30 days of the incident will be withdrawn and you will be required to submit a new claim.

The administrator will assess your claim, and providing your claim is valid, will authorise the replacement of the appliance(s) as appropriate.

We reserve the right to speak to any party that may be relevant to the claim, the owner of the appliance or the policyholder. If this is not possible without mitigating circumstances then this may invalidate your claim.

We may arrange for inspection of your appliance(s) at any point during the claims procedure. We may collect your faulty appliance(s)at any time during a claim. It may not be returned if a replacement is issued to you. If we replace your appliance(s) and do not take your faulty appliance(s) away, you will be responsible for disposing of it at your own cost.

APPLIANCE COVER ASSURED LIMITED may replace your appliance(s) with a new or reconditioned appliance(s) of the same or similar make and specification, which may not be compatible with any specialist equipment you may have, or offer you a cash settlement in line with the current market value of your appliance(s) subject to the maximum limit specified in your certificate schedule.

If you make a claim and the appliance sum covered is not equivalent or more than the value as shown on your proof of purchase, we will proportionally reduce the amount of any claim payment made by the percentage of under payment of premium, which has arisen as a result of the shortfall in the sum covered For example, if the premium you have paid for your appliance is equal to 75% of what your premium would have been if your appliance sum covered was enough to replace your appliance, then we will pay up to 75% of any claim made by you.

If you make a claim and your policy is declared void, we may retain any premiums paid to assist in your claim costs. Your policy may be declared void for reasons such as your covered appliance was over the age of 6 years at the time of application, you are not a permanent UK resident or you (the covered) are not over the age of 18.

YOUR STATUTORY RIGHT OF CANCELLATION

You have the right to cancel your policy by giving notice of cancellation within 14 days of receipt of purchasing cover with APPLIANCE COVER ASSURED LIMITED by contacting us by either of following ways and quoting your policy number to us.

Post: APPLIANCE COVER ASSURED LIMITED, Unit 24 Highcroft industrial estate, PO8 0BT

Phone: 08000588159

Email: info@appliancecoverassured.co.uk You have the right to cancel your policy by giving notice of cancellation within 14 days of receipt of purchasing cover with APPLIANCE COVER ASSURED LIMITED by contacting us by either of following ways and quoting your policy number to us.

Provided no claim has been made a full refund of premium paid by you will be given. If you do not exercise this right to cancel then your rights and those of the coverer to cancel this cover cover afterwards are set out in section 7 (general conditions).

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Provided no claim has been made a full refund of premium paid by you will be given. If you do not exercise this right to cancel then your rights and those of the coverer to cancel this cover cover afterwards are set out in section 7 (general conditions).

DATA PROTECTION

APPLIANCE COVER ASSURED LIMITED will use your information (which you or others have provided to us) to provide the requested service and for administration (including the recovery of any amounts owing, where applicable), marketing, market research, where to send engineers/ replacement items, to check and verify your identity and testing purposes. We may use your information to tell you about any offers, products or services which may be of interest to you. You may therefore be contacted via mail, telephone, email and/or other electronic messaging services unless you have asked not to be.

You may request a copy of your data. If your personal details change, and you wish to change your marketing preferences or if you wish to opt out of receiving marketing information, please let us know by writing to our Data Protection Officer at  APPLIANCE COVER ASSURED LIMITED, Unit 24 Highcroft industrial estate, PO8 0BT, or alternatively by emailing us at info@appliancecoverassured.co.uk

ALTERATION AND ASSIGNMENT

You are not permitted to assign the policy to another person(s) or change in any way the rights under this policy without the express consent of APPLIANCE COVER ASSURED LIMITED or its agent, acting on its behalf.

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SHIPPING INFORMATION 

Paperwork pertinent to policies is sent at the end of every day for dispatch the following morning, and will be received by the customer within 5 days.    

GOVERNING LAW

This Policy, and any dispute concerning its interpretation, is governed by the laws of England and Wales and the jurisdiction of the English Courts will apply. We will communicate in English.

COMPLAINTS PROCEDURE

If you are dissatisfied with the service that we have provided you with then please feel free to contact us via any of the ways listed in section 1 (Contact Us)

We will acknowledge the complaint promptly and do our best to resolve matters within 2 weeks.

Payments by card

All card payments will be processed within 48 hours of the payment of sale. No card details will be stored in house or with any third parties. Reoccurring payment of direct debits will be processed on either the 1st or 15th of the month – that discretionary of customer purchasing.

Version 0020 Last updated 15/08/2023