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Mobile Phone Insurance

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Mobile Phone Insurance
Every cell phone owner/user should insure his mobile telephone instrument from loss and/or damages under this policy.

What can be Insured
Covered under Section VI (C) of the Office Umbrella policy, electronic accessories like mobile telephones can be insured.

Risks covered
The policy for mobile phones provides cover against

Fire
Riot, strike, malicious damage and terrorist activities.
Theft.
Accident.
Fortuitous circumstances

Compensation Offered
The insurance cover provides compensation equivalent to the the cost of replacement of the instrument by a new instrument of the same specification and same capacity, including all taxes and duties.

Exclusions
Exclusions under the mobile phone insurance policy are

Mysterious disappearance
Theft from unattended vehicles, except from fully enclosed car that is securely locked.
Theft, loss or damage during the hire or loan to a third party.
Mechanical and electronic breakdown or derangement.
Overloading and experimentation involving imposition of any abnormal conditions.
Damage by wear and tear, vermin, atmospheric or climatic condition or gradual deterioration, inherent defect or from any process of cleaning, repairing or maintenance.
Loss or damage due to war or nuclear perils, loss by water or from any water borne craft.
Intentional or willful act of the insured party.

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