TERMS AND CONDITIONS FOR ACCIDENTAL DAMAGE INSURANCE
The Customer who has purchased and registered to the 1+1 mobileprotect product shall enjoy Accidental Damage Insurance as one of the product features, subject to the Terms & Conditions below:
Accidental Damage Benefit
The Company will indemnify the Insured against the cost of Replacement of the Equipment (with the same model or one with similar specifications, which may be by way of Refurbished Equipment grading) as detailed in the Policy Schedule where such Equipment has sustained Damage, subject to the terms and conditions herein. The Company shall only be liable to pay for two approved claims during the Period of Insurance. If the Company provides the Insured with a Replacement unit, the original Equipment will become the property of the Company.
“Company” or “Us” or “Our” or “We” shall mean Insurance Company of North America (a Chubb Company).
“Confirmation of Cover” shall mean the document, which may be written form or in PDF form sent through email, to the Insured regarding the insurance coverage under this Group Policy. Any Confirmation of Cover in effect when the Group Policy is cancelled, non-renewed or otherwise terminated shall continue to be in effect for the period of coverage specified in the Confirmation of Cover.
“Customer Service” shall mean the Company’s Customer Service with Telephone Number +63 2 849 6000 and email Esquire1plus1.PH@chubb.com.
“Damage” shall mean any unforeseen and accidental physical damage to or destruction of the Equipment that prevents its correct operation.
“Day” or “Days” shall mean calendar days.
“Effective Date” shall mean the date on which insurance under this Group Policy commences as stated in the Policy Schedule.
“Equipment” shall mean the Handset of the Insured specified in the Policy Schedule (excluding all other components, attachments, accessories and software downloads) having the IMEI (serial number) supplied and registered with the Company purchased at retail stores/merchant partners at Undiscounted Retail Price.
“Expiry Date” shall mean the date on which insurance under this Group Policy expires or ends as stated in the Policy Schedule.
“Group Policy” shall mean this document, the application and the Policy Schedule describing the insurance contract between the Group Policyholder and the Company. It shall also include, after this Group Policy has taken effect, any amendment, rider, clause, warranty, endorsement or any other document attached to this Group Policy and which has been endorsed by an authorized executive officer of the Company and countersigned by the Group Policyholder.
“Group Policyholder” shall mean ESQUIRETECH CORP., the policy owner of this Group Policy.
“Handset” shall mean a portable telephone that works by means of a cellular radio system which is owned by the Insured.
“Insured” shall mean the customer of the Group Policyholder who is the legal owner of the Equipment.
“Insured User” shall mean the Insured, member of the Insured’s Immediate Family or Relative, or a person who is living in the same household as the Insured at the time of the occurrence.
“Immediate Family or Relative” shall mean the Insured’s spouse, children, parents, brothers and sisters, aunts and uncles, nieces and nephews, and cousins.
“Participation Fee” shall mean the amount that the Insured pays in case of Replacement of the Equipment when he makes a claim as specified in the Policy Schedule and Confirmation of Cover.
“Period of Insurance” shall mean the start date and end date of the individual insurance coverage of the Insured as stated in the Confirmation of Cover.
“Policy Schedule” shall mean the schedule attached to this Group Policy.
“Refurbished Equipment” shall mean a Handset that was previously used that has been restored to like-new working conditions in accordance with the original manufacturer’s specifications or shall mean a like-for-like replacement of the original insured Handset that is of a like-new working condition in accordance with the original manufacturer’s specifications. Internal components within the refurbished equipment are replaced as new and it will perform like a brand new product.
“Replacement” shall mean to provide the Insured with alternative Equipment, at Our discretion, which has the same or similar specification as the original Equipment.
“Undiscounted Retail Price” shall mean the pricing including Value Added Tax (VAT) set by the retail stores/merchant partners at the purchase date of the Equipment excluding any subsidies or promotions rebates and/or discounts.
The Company shall not be liable in respect of:
a) any costs or charges for which the manufacturer, supplier or distributor of the Equipment are liable in accordance with their standard warranty obligations;
b) any Damage to Equipment caused by or attributable to:
i. Damage not reported to Us within seven (7) Days of discovery;
ii. any process of cleaning, servicing, inspection, maintenance, adjustment or repair not authorized by the Company; or
iii. any Damage caused by breach of the manufacturer’s operating or guidance instructions.
c) Equipment that have undergone unauthorized opening or modification;
d) breakdown attributable to or caused by:
i. the cost of repairing or replacing the Equipment as a result of breakdown (due to a sudden unforeseen internal mechanical or electrical defect causing the actual breaking or burning out of a part) causing the failure of the Equipment to operate as intended by the manufacturer;
ii. any malfunction resulting from incorrect use of electricity or the incorrect setting of controls or accessories or equipment not approved by the manufacturer;
iii. any malfunction or accidental Damage resulting from incorrect installation or re-installation, faulty software or programming;
iv. any wilful act, misuse or negligent use of the Equipment; or
v. wear and tear or gradual deterioration of the Equipment.
e) any costs which the Insured can recover under the conditions of any other guarantee, warranty or insurance.
f) loss of use or consequential losses incurred as a result of a claim, including but not limited to loss of profits, goodwill, income or business, or incurring related expenses, or any other indirect or consequential loss or damage of any nature whatsoever;
g) Damage directly or indirectly occasioned by:
i. Natural calamity, war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection or military or usurped power, nationalization, confiscation, requisition, seizure or destruction by the government or any public authority;
ii. ionising radiations or contamination by the radioactivity from any nuclear waste from the combustion of nuclear fuel or the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof;
iii. pressure waves caused by aircraft or other aerial devices travelling at sonic or supersonic speeds; or
iv. Damage due to leaving the Equipment on the roof, bonnet, boot or any exterior part of a vehicle.
IV. Due Diligence
The Insured/Insured User shall exercise due diligence and take all reasonable precautions to protect the Equipment against Accidental Damage and comply with requirements and manufacturers’ recommendations.
V. Claims & Inquiries
The Insured/Insured User shall:
a) within seven (7) Days of discovery of Damage, notify the Company of the event;
b) provide the Company, if requested, any supporting documentation regarding the claim. By doing so the Insured is authorizing the Company to pursue further inquiries in relation to the claim.
All claims, inquiries and complaints shall be coursed through the Company hotline and shall be handled by the Company at the following venues:
a) Hotline Number: +63 2 849 6000 To be replaced
b) Email Address: Esquire1plus1.PH@chubb.com
VI. Claims Documentary Requirements
©2019 Insurance Company of North America (a Chubb Company). This policy is underwritten by Insurance Company of North America (a Chubb Company), a registered non-life insurance company with Certificate of Authority No. 2016/34R issued by the Insurance Commission. Full details of the terms, conditions and exclusions of this insurance are provided for in the Policy Wording documentation. Please read our Privacy Statement.