What are you covered for

There are different cover options under Device Cover. These options may be selected as stand-alone options or they may be taken as a combination as follows:. 

1.  Accidental Damage - this is a standalone benefit option.  It is applicable to the insured Device.

   1.  If Your Device can be repaired we will pay the costs reasonably incurred to restore it to the condition it was in immediately before the Accidental Damage occurred. 

   2. If Your Device is beyond economic repair (as determined by an authorised Vodacom repair centre), We will replace Your Device with a new device of the same or similar type or a Good-As-New Device  of the same type, subject to the Maximum Limit of Indemnity.

   3. You will not be able to claim under this benefit option if You are unable to provide us with the damaged Device.

2. Comprehensive Laptop or Tablet Insurance - this is a standalone benefit option. It is applicable to the insured Device - specifically relating to a laptop, tablet or other portable device.

   1. This benefit option covers you for Accidental Damage as indicated above and it also covers you for instances of theft and loss. 

   2.  If Your laptop, tablet or portable device is lost or stolen We will replace Your Device with a new device of the same or similar type or a Good-As-New Device of the same type, subject to the Maximum Limit of Indemnity.

3. Comprehensive Cellphone Insurance - this is a standalone benefit option. It is applicable to the insured Device – specifically in respect of a cellular phone. 

   1. If Your Specified Insured Extra device can be repaired we will pay the costs reasonably incurred to restore it to the condition it was in immediately before the Accidental Damage occurred. 

   2. If Your Specified Insured Extra device is beyond economic repair (as determined by an authorised Vodacom repair centre), We will replace Your device with a new device of the same or similar type or a Good-As-New Device of the same type, subject to the Maximum Limit of Indemnity.

   3. If your Specified Insured Extra device is lost or stolen We will replace Your device with a new device of the same or similar type or a Good-As-New Device of the same type, subject to the Maximum Limit of Indemnity.

4. Summary of Benefit Options and Cover:
    

   	Cover Options
   	Accidental Damage Insurance (Stand-alone)	Comprehensive Cellphone  Insurance (Stand-alone)	Specified Insured Extras  (Not stand-alone. Can only be selected with Comprehensive Cellphone)	Comprehensive Laptop and Tablet Insurance (Stand-alone)
   Accidental Damage	Yes	Yes	Yes	Yes
   Theft	No	Yes	Yes	Yes
   Loss	No	Yes	Yes	Yes

    

5.  As an added benefit You will be covered for world-wide trips for up to 30 days per trip travelling abroad, as long as Your Device is in use with Vodacom SIM listed on the attached schedule. You will need to activate roaming in order to enjoy this benefit.

6.  In the event of a successful claim, We will repair or replace your Device at our option.  We will not pay out a cash settlement.

What are you not covered for

1. Theft, Loss or Accidental Damage while Your insured Device is being used with any other SIM Card which was not listed on Your Policy schedule  

2. Any claim where there was no usage on the Vodacom SIM Card listed on the attached schedule that is used together with the insured Device, for a period of 7 (seven) days prior to date of Loss, Theft or Accidental Damage.

3. Loss or damage resulting from political or non-political riot, strike or civil commotion, public disorder, war, terrorism or public violence or which is insurable by SASRIA (South Africa Special Risks Insurance Association).

4. Any costs of replacing, reinstating or making good wear and tear, gradual deterioration, scratching of outer casings, aerials or keypads..

5. Loss, damage or failure of batteries, other than when they are Stolen or lost together with the insured Device listed on application form. 

6. Any consequential loss or damage.

7. Any claim arising from abuse, misuse or neglect of the insured Device.

8. Loss, damage or failure for which the manufacturer or supplier is liable, or which is covered by a current maintenance contract or warranty

9. Loss of, damage to or corruption of data as a result of electronically conveyed viruses or defects in design or manufacture

10. Loss of data, personalised ringtones or graphics, downloaded material and apps or software.

11. Any claim in respect of any additional equipment or accessories not covered under the Specified Insured Extras cover option, including but not restricted to carrying cases, battery chargers, hands-free kit, external antennae or car kits.

12.  Theft or Loss of the insured Device that was not reported to the police within 48 (forty-eight) hours after it was Stolen or Lost.

How to Claim

1. If the insured Device is Lost, Stolen or damaged You must report the claim to Us as soon as possible after discovery of the Loss, and within 30 (thirty) days of the claim event occurring.

2. In the event that Your Device is Stolen or Lost You MUST:       

   1. Report this to the South African Police Services and obtain a case number;        

   2. In the event of cellphones, laptops or tablets, block the SIM Card listed on the Policy by phoning 082 111.

   3. In the event of cellphones, laptops or tablets, blacklist the Device and obtain an I.T.C. reference number by phoning 082 111.

3. Obtain a claim form by phoning 082 1952 or by visiting your nearest Vodacom dealer.  A claim form must be completed and sent to Us within 30 (thirty) days of the claim occurring, containing all the necessary information as indicated above.

4.  Submit your completed claim form to the following email address: [email protected] 

5. Online claims can be submitted via www.vodacom.co.za 

6. You must give all reasonable assistance in the recovery of the Lost or Stolen Device and identification thereof.

7. If We paid Your claim in respect of a Lost or Stolen Device, and Your Device is recovered, the recovered Device becomes Our property.  If You are given a replacement device in respect of a Device which is beyond economical repair, the damaged Device becomes Our property and must be handed to the Vodacom dealer that provided Your replacement device.

8. We must be in possession of the damaged Device in the case of Accidental Damage claims.

9.  In the event of Your claim being the subject of a dispute or is rejected by Us You may make representation to Us using the following email address:[email protected].  If You are still dissatisfied with the outcome of Your claim, You are entitled to approach the Short Term Insurance Ombudsman at:
   
   Telephone:   011 726 8900
   Fax: 011 726 5501/011 674 0951           
   E-mail: [email protected]

10. You have 90 (ninety) days from the date of receipt of the notice of rejection or dispute from Us to lodge such representation.  In the event of a dispute being unresolved You must take legal action by way of summons against Us within 180 (one-hundred-and-eighty) days after expiry of the initial 90 (ninety) day period, failing which You will forfeit Your claim and no liability can arise in terms of such a claim.

11. Should You fail to collect a Device which has been repaired or replaced within 60 (sixty) days from date of Loss, You will forfeit the claim and the Device will be sold or returned to stock to defray expenses..

12. If Your premiums in respect of this Policy are in arrears all outstanding premiums must be paid in order for Us to assess a claim.

13. NOTE: If We replace Your Device, We may either issue a new device of the same or similar type or We may issue a Good-As-New Device of the same type

Excess payable by You when claiming

1. The excess:  The excess is the first amount payable by You and is set out below..

2. Your basic excess depends on whether Your Device is repaired, replaced with a Good-As-New Device1 or replaced with a new device as follows:

   Comprehensive Cellphone Insurance and Comprehensive Laptop and Tablet Insurance
   Premium Band  (As indicated on your Policy Schedule)	Cover Amount	Excess payable by You
   		Repair/Replace with a Good-As-New Device	Replace with a new Device
   0	R0 - R750	R50	25% of Replacement Cost OR R250 (whichever one is higher)
   1	R751 - R1 500	R100
   2	R1 501 - R2 500	R200
   3	R2 501 - R3 500	R300
   4	R3 501 - R5 000	R400
   5	R5 001 - R7 500	R450
   6	R7 501 – R10 000	R500
   7	R10 001 - R15 000	R550
   8	R15 001 - R20 000	R650
   9	R20 001 - R25 000	R700
   10	R25 001 - R30 000	R750
   11	R30 001 - R35 000	R1 000
   12	R35 001 - R40 000	R1 000
   13	R40 001 - R45 000	R1 000
   14	R45 001 - R50 000	R1 000

    

   Accidental Damage Insurance
   Premium Band	Cover	Excess payable by You
   		Repair/Replace with a Good-As-New Device	Replace with a new Device
   0	R0 - R2 500	R250	25% of Replacement Cost OR R250 (whichever one is higher)
   1	R2 501 - R5 000	R450
   2	R5 000 - R10 000	R600
   3	R10 000 - R20 000	R800
   4	R20 000 - R30 000	R900
   5	R30 001 - R35 000	R1 000
   6	R35 001 - R40 000	R1 000
   7	R40 001 - R45 000	R1 000
   8	R40 001 - R45 000	R1 000

    

   Accidental Damage Insurance
   Premium Band	Cover	Excess payable by You
   		Repair/Replace with a Good-As-New Device	Replace with a new Device
   0	R0 - R5 000	R450	25% of Replacement Cost OR R250 (whichever one is higher)
   1	R5 000 - R10 000	R600
   2	R10 000 - R15 000	R700

3. There is a three month (90 days) waiting period for loss and theft cover on all Comprehensive Cellphone, Laptop and Tablet Insurance.Therefore, within the first 90 days you are only covered for accidental damage and no theft of loss claims will be covered.

4. Your excess will be 35% of replacement cost if you claim from 4 to 6 months of inception of this Policy.  

5. Your excess will be doubled if your claim occurs within 12 (twelve) months of a previous successful claim for the same benefit option on this Policy.

6. If the replacement cost of the Device is greater than the Maximum Limit of Indemnity, You will have to pay the difference.  

What must you remember?

This Policy only covers the insured Device(s), used TOGETHER WITH the Vodacom SIM Card listed on the attached schedule.  It is Your responsibility to let Us know in writing by emailing us at [email protected] or by phoning Us on 082 1952, if You are changing or upgrading Your Device insured under this Policy.  In such instances this may lead to a new Policy, a change in premium and benefits and Policy terms and conditions.

General conditions

1.  Other insurance:
   
   If the insured Device is covered for Theft, Loss or Accidental Damage by any other insurance Policy, We shall only be liable for a pro rata portion of the claim excluding the excess which is payable by you.

2. Cancellation of the Policy

   1. If You cancel Your Policy at any time premiums paid will not be refunded to You as You would have had the benefit of cover.

   2. All cancellation requests must be made in writing and emailed to [email protected]  or by phoning Us on 082 1952.

   3. If Your SIM Card is barred, soft locked or disconnected by Vodacom, the cover provided by Your Policy will be suspended until such time as Vodacom reinstates Your service.

   4. We have the right to cancel Your Policy subject to 30 (thirty) days' notice, either in writing or telephonically.

3.  No rights to other persons
   
   You may not transfer any rights under this Policy to any third party.

4. Changes to Your Policy
   
   We have the right to amend Your premium and terms and conditions at any time subject to 30 (thirty) days written notice.

5. Premiums

   1. Your Policy remains in force for as long as Your premiums are paid.

   2.  In the event that Your premiums are not paid You MUST pay within 30 (thirty) days from the date the premium was due to maintain Your Policy

   3.  If no premium is received within that time Your Policy will be cancelled retrospectively. 

   4. All premiums must be paid in full before any claim is investigated. 

   5.  We have the right to change Your premium at any time subject to 30 (thirty) days written notice to You.

   6. If Your Subscriber Agreement goes into arrears your insurance Policy will be impacted and may be terminated. Vodacom will inform You when your Subscriber Agreement goes into arrears. At such time you are required to contact Us to make alternate arrangements for premium payment.  

6. Duty to safeguard Your Cellphone
   
   You shall at all times take reasonable steps to safeguard the insured Device(s) from Loss, Accidental Damage or Theft.

7. Misrepresentation, non-disclosure or false declaration

   1. Any material misrepresentation, non-disclosure or false declaration shall render the Policy as a whole, voidable from date of inception at the instance of the insurer.  In such an event:

      1. You will be liable to reimburse any amounts paid to You under this Policy to Us; and

      2. We will not be obliged to pay any claim lodged under this Policy.

   2. If there are false declarations made at the time of claiming which results in fraud, all benefits under this Policy shall be forfeited and Your Policy will be cancelled with immediate effect.

8. Report all claims to:
   
   Scheme Administrator
   Finrite Administrators (Pty) Ltd
   Tel: 082 1952
   Fax:  011 546 9000
   Email: [email protected]
   Website: www.vodacom.co.za