These are the terms and conditions of Your Vodacom Theft Insurance Cover Policy. It is important that You read and keep this document in a safe place. The insurer is Vodacom Insurance Company (RF) Limited, a registered insurance company.

Operative Clause

Vodacom Insurance Company (RF) Limited (The Insurer) agrees to provide insurance in terms of this Policy during any period of insurance for which it accepts a premium. This specific cover is limited to THEFT only claims. This means that in the event that your Device is stolen, we will replace Your Device with a new device of the same or similar type, subject to the terms and conditions of this policy.

Please note that this cover does NOT cover Loss or Accidental Damage. If your Device is damaged or Lost, you will not be covered by this policy.

Definitions

1. "Accident" means known and identifiable unintended sudden and unforeseen event. "Accidental" has the corresponding meaning.

2. "Accidental Damage" means physical damage or destruction of the Device caused by an Accident.

3. "Device" means the Cellphone or Laptop or Tablet, or Specified Insured Extra identified via the International Mobile Equipment Identity number or via the serial number, which is used by the Authorised User and specified as the item insured under this Policy.

4. "Contract Subscriber" means a Vodacom customer who has entered into a Subscriber Agreement with Vodacom.

5. "Cooling-off period" means the period of 30 (thirty) days from inception of this Policy during which you are entitled to cancel this insurance Policy, by sending Us written cancellation notice or by phoning Us at 082 1952.

6. "Loss" means the sudden and unforeseen physical loss of the Device. "Lost" has the corresponding meaning.

7. "Maximum Limit of Indemnity" means the maximum amount that We will pay out and will not be greater than the Sum Insured as defined, at the time of Theft.

8. "Policy" means this agreement between You and Vodacom Insurance Company (RF) Limited, together with the schedule hereto.

9. "Policyholder", "You", "Your" is the person in whose name the Policy is issued.

10. "SIM Card" for Contract Subscribers means the SIM Card encoded with the cellular telephone number listed on the attached Policy schedule and issued in terms of the Vodacom Subscriber Agreement. For Prepaid Subscribers this means the Prepaid SIM Card encoded with the cellular telephone number listed on the attached Policy schedule and issued in terms of a Vodacom PrePaid starter pack.

11. "Subscriber Agreement" means the contract entered into between You and Vodacom pursuant to which Your SIM Card is activated by Vodacom and Your Device is enabled on the Vodacom cellular telecommunications service and any related services on the Vodacom network.

12. "Sum Insured" means the retail price of the Device inclusive of VAT at the time of Theft.

13. "Theft" or "Stolen" means the unlawful act of taking possession of the Device with the intention of permanently depriving the Customer of that Device.

14. "Unauthorised Usage" means charges for SMS, calls or data incurred as a direct result of Theft of Your Device.

15. "Vodacom" means Vodacom (Pty) Ltd

16. "We", "Us" refers to the insurer, Vodacom Insurance Company (RF) Limited.

IT IS VERY IMPORTANT TO NOTE THAT:
YOUR CLAIM WILL NOT BE PAID IF THE VODACOM SIM CARD LISTED ON THE POLICY SCHEDULE IS NOT IN USE WITH THE INSURED DEVICE AT THE TIME OF THEFT.

What are you covered for

Your specific cover is limited to Theft only claims. This means that in the event that your Device is Stolen, you will be will be covered in terms of this policy subject to the terms and conditions. Please note that if your Device is Damaged you will not be covered. It is important to note that Loss of the insured Device is Not covered under this policy.

1. Theft Cover - It is applicable to the insured Device

   1. If your Device is Stolen, We will replace Your Device with a new device of the same or similar type, subject to the Maximum Limit of Indemnity.

   2. We will not replace Your Device with a more expensive model if Your model is still available.

2. Summary of Benefit Options and Cover:
   

   	Your Specific Cover	Other Cover Options Available
   	Theft Insurance	Accidental Damage Insurance	Comprehensive Cellphone Insurance
   Accidental Damage	No	Yes	Yes
   Theft	Yes	No	Yes
   Loss	No	No	Yes

• 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.

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

What are you not covered for

1. Any sudden and/or unforeseen physical Loss of the insured Device.

2. Accidental Damage or destruction of the Device caused by an Accident or any unforeseen event.

3. Theft while Your insured Device is being used with any other SIM Card which was not listed on Your Policy schedule

4. 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 Theft.

5. Loss 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).

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

7. Any consequential loss or damage.

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

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

10. Loss of or corruption of data as a result of electronically conveyed viruses or defects in design or manufacture.

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

12. 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.

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

How to Claim

If the insured Device is Stolen, You must report the claim to Us as soon as possible after the occurrence of the event, and this must be within 30 (thirty) days of the claim event occurring.

• In the event that Your Device is Stolen You MUST:

  • Report this to the South African Police Services within 48 (forty-eight) hours and obtain a case number;

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

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

• 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.

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

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

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

• If We paid Your claim in respect of a Stolen Device, and Your Device is recovered, the recovered Device becomes Our property and must be handed to the Vodacom dealer that provided Your replacement device.

• 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]

• 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.

• Should You fail to collect a Device which has been 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.

• Should You fail to collect a Device which has been 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.

• 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.

Excess payable by You when claiming

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

  Theft Cover
  Claim	Excess payable by You (When we replace your Stolen Device with a new Device)
  First claim within the first 12 (twelve) months	15% of Replacement Cost
  Second or more claims within the first 12 (twelve) months	30% of Replacement Cost

• As set out in the table above, 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.

• 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 policy 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 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 decide to cancel Your Policy within the 30 (thirty) day Cooling-off period, We will refund any premiums You have made. This will not apply if the insurer has already been notified of a claim.

   2. If You cancel Your Policy at any time after the Cooling-off period, premiums paid will not be refunded to You as You would have had the benefit of cover.

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

   4. Your Policy will automatically terminate if You received cover for a specified period as part of a Vodacom Deal and You have reached the end of this period.

   5. 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.

   6. 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 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. Claims
   Report all claims to:
   Vodacom Insurance Company (RF) Limited
   Tel: 082 1952 Fax: 011 546 9000
   Email: [email protected]
   Website: www.vodacom.co.za

9. Confidentiality and sharing of information

   1. By taking out this policy, you hereby authorize Vodacom Insurance Company to obtain personal information from you, and when required, to share it with our third party service providers for the purposes of providing the services and benefits to which this Policy relates.

   2. Your personal information will be stored, processed and used only by our service providers to the extent that is necessary to provide the contracted services.

Please refer to our privacy notice for a description of how we process your personal information.