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Key Facts

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Key Facts

Ref:KEYF161117

Please note that this policy summary does not contain the full terms and conditions of the contract of insurance; so please take time to read the policy document to make sure you understand the cover it provides. 

Who is my Insurer?

Qudos Insurance, Registered in Denmark, company number 33956967. Registered Office: Kongevejen 371, DK 2840 Holte, Denmark.

Qudos Insurance A/S is authorised and regulated by Finanstilsynet (The Danish Financial Services Authority (FSA). As an insurance company authorised within the European Union, Qudos Insurance A/S is permitted to conduct business in the United Kingdom and is authorised and subject to limited regulation by the Financial Conduct Authority (FCA). This can be checked by visiting the FCA website.

What type of insurance is it and what cover is provided?

Cover

Significant exclusions & limitations

Your warranty provides cover against Mechanical / Electrical Breakdown of the Appliance(s) / Product(s) identified on Your policy Schedule.

Cover includes parts, labour and Call out
charges (inc VAT) during normal working hours (9am – 6pm Monday to Friday) subject to the terms, conditions and exclusions of Your policy.

 

Call out charges where a fault cannot be found with the Appliance(s)/Product(s)

Any accidental damage

Any Mechanical/Electrical Breakdown of an Appliance/Product that is more than 10 years old

Cosmetic Damage

Any claim within the first 30 days of purchasing the policy

What is the claim limit?

(Subject to the provisions of Betterment) Your policy provides cover up to the original purchase price of the equipment identified on Your Certificate of Insurance, during the Period of Cover up to a maximum of £500.


How many claims can I make on the policy?

Your policy provides unlimited call outs for any Equipment identified on Your Certificate of Insurance, but Our liability for anyone claim or series of claims will not exceed the original purchase price or £500 whichever the lesser as shown in Your Schedule during the Period of Cover.

 

Do I need to pay an excess if I claim?

Outside the first 30 days of the policy You will be able to make a claim for losses up to the value of £500 per claim. Please note, if You make a claim within the first 3 months of the policy Start Date there will be an excess fee payable of £100 per claim to the  Administrator.  Subsequent to the first 90 days of the policy, the excess will be £25 per claim.

Items over the age of 6 years old There will be an additional excess payable of £25 should you make a claim on any item over the age of 6 years old, for each and every claim.

 

What is the duration of my cover?

12 months from the date of inception of this insurance as detailed on Your Certificate of Insurance.

What do you need from me?

You are required by the provisions of the Consumer Insurance (Disclosure and Representations) Act 2012 to take care to:
• supply accurate and complete answers to all the questions we or KAPUT Limited may ask as part of your application for cover under the policy;
• to make sure that all information supplied as part of your application for cover is true and correct;
• tell us of any changes to the answers you have given as soon as possible.

Failure to provide answers in-line with the requirement of the Act may mean that your policy is invalid and that it does not operate in the event of a claim.
 

What happens if my circumstances change?

You must immediately notify KAPUT Limited if you change your address.

What if I want to cancel my policy?

You may cancel this policy at any time by contacting Us, on the contact details below, in writing. Cancellation requests must give 14 days advance notice during which time any due payments will be collected. Please quote the policy number shown in the Certificate of Insurance when cancelling. All policy documents and the Certificate of Insurance must be returned with the cancellation request.

You must contact Us with cancellation request prior informing Your bank.

A.  Should You choose to cancel the policy within 14 days of receiving the policy documents or the Start Date of Your policy (whichever is later), You will receive a full refund of any Premiums paid and the cancellation will be effectiveimmediately.

B.  This Policy will be cancelled on request once any outstanding payments have been received.  If You have made a claim during the policy period, We reserve the right to deduct the cost of that claim from any refund of Premium which is due to You. We will tell You if We are making this deduction. 

Upon cancellation, You will not be charged any more monthly Premium amounts and You will not receive a refund of any premium You have paid to Us. For annual policies, You will be entitled to a pro-rata return of premium for the number of complete unexpired months remaining of Your policy less an administration fee of £15. You will not be entitled to a pro-rata refund if a claim or an incident that may give rise to a claim has occurred.

 

How do I make a claim?

Please refer to Your policy documentation if You need to notify a claim and have your policy number and details to hand. You should call 0800 999 7878 and press option 1 for all claims.

 

How do I make a complaint?

It is the intention to give You the best possible service but if You do have any questions or concerns about this insurance or the handling of a claim please contact KAPUT Limited.

Please ensure Your policy number is quoted in all correspondence to assist a quick and efficient response.

If it is not possible to reach an agreement, you have the right to make an appeal to the Financial Ombudsman Service. This also applies if you are insured in a business capacity and have an annual turnover of less than €2million and fewer than ten staff. You may contact the Financial Ombudsman Service at:

The Financial Ombudsman Service, Exchange Tower, Harbour Exchange Square, London, E14 9SR. Telephone: 0300 123 9123.     

 

Compensation Scheme:

Qudos Insurance A/S is covered under the Forsikrings Garantifond and this is Your first point of claim for financial compensation in the event of any financial failure of the Insurer. 

Data Protection:

Please note that any information provided to us will be processed by us and our agents in compliance with the provisions of the Data Protection Act 1998, for the purpose of providing insurance and handling claims, if any, which may necessitate providing such information to third parties.We may also send the information in confidence for process to other companies acting on their instructions including those located outside the European Economic Area.