Safe andsoundProtect your phone withCover Me Pay monthlyinsurance

Make the most of now

Sad fact: Sometimes, things happen to mobiles

Happy fact: Vodafone Cover Me keeps you covered

In this guide you’ll find out all about our Cover Me Pay monthly insurance.

We’ve included loads of reassuring facts. For example, if you take out Vodafone Cover Me insurance and your phone gets pinched, lost or damaged, we’ll have a replacement to you in 24 hours (should you have all the necessary details when contacting Vodafone). You can include Vodafone insurance when you buy your phone. Or if you already have a Vodafone mobile, you can get cover by dropping into your nearest Vodafone store. Either way, your mobile will be covered for loss, theft or damage for just £6.95 per month. As sure as eggs is eggs.

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Contents

Round the clock, round the world protection p3

How Cover Me covers you p4

It’s easy to make a claim p6

What ifs – things you need to know p7

Handy security tips p9

Help us immobilise mobile phone crime p10

Just in case p11

Terms and Conditions p13

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Round the clock, round the world protectionWhether you’re in Croydon or Croatia, you’ll be protected with Cover Me. Cover Me protects you against the costs of replacing or repairing your phone if it has been lost, damaged or gone walkies, while you’re in the UK or abroad.

How Cover Me covers you

This part of the guide is where we give you all the key facts about Cover Me Pay monthly insurance. You’ll find the full terms and conditions on pages 13 to 20 – it’s important stuff so please read these pages in detail.

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How Vodafone Cover Me covers you

Your £6.95 monthly insurance premium will be paid at the same time as your monthly line rental, by direct debit. The price includes insurance premium tax at the appropriate rate. Vodafone Cover Me is a monthly renewable insurance policy, underwritten by the Multi Risk Indemnity Company Limited. It can be renewed for a maximum of 60 months.

For £6.95 a month you’ll be covered for:

• Theft or loss

We will replace or repair your mobile with one of the same specification to the value of £600.

• Accidental damage (includes water damage)

We will replace your mobile with a new or refurbished phone.

• Accessories

Up to the value of £200 if lost, stolen or damaged at the same time as your mobile.

• Worldwide trips

Up to 30 days whilst travelling abroad.

• Other users

Anyone you allow to use your phone is also covered.

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You won’t be covered for:

• Loss of mobile left unattended in a public place

See exclusion B on page 11.

• Loss of mobile not reported to Vodafone within 24 hours

See exclusion B on page 11.

• Theft or malicious damage not reported to the police within 48 hours

See exclusion B on page 11.

• The first £25 of any claim

See exclusion A on page 11.

• More than one claim per calendar month

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It’s easy to make a claimIt’s a hassle if your mobile is lost, damaged or stolen. Luckily, getting it sorted out with Vodafone Cover Me Pay monthly insurance isn’t.

Here’s how to report a claim and bar your phone.

* BT customers charged 4p per minute at off peak and peak times. Other providers rates may vary.

Stolen phone

• Call 08700 700 191* or call 191 free from a Vodafone mobile immediately.

• Notify the police and obtain a crime number within 48 hours.

Lost phone

• Call 08700 700 191* or call 191 free from a Vodafone mobile immediately.

Damaged phone

• Call 08700 700 191* or call 191 free from a Vodafone mobile immediately.

Maliciously damaged phone

• Call 08700 700 191* or call 191 free from a Vodafone mobile immediately.

• Notify the police and obtain a crime number within 48 hours.

What ifs – things you need to know

What if you change your mind

You have 14 days from taking out Cover Me Pay monthly insurance to cancel your policy without charge. Outside of this period you’ll need to give us 30 days’ notice.

What if you change your phone

If you upgrade or change your phone, you need to give us a call so we can register your new phone on your policy. This is really important as your cover will be invalidated if you fail to do so.

What if you need to make a complaint

If you have any complaints please contact the Administrator at:

Marsh Limited Vodafone Cover Me Scheme PO Box 7135 Witham Essex CM8 2WF

Telephone: 0870 333 8954

If we’re unable to resolve the problem, Multi Risk Indemnity Company Limited is regulated by the Malta Financial Services Authority and we’ll provide details of how you may refer your complaint to them.

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Multi Risk Indemnity Company Limited

Multi Risk Indemnity Company Limited is a limited company incorporated in Malta. It’s fully authorised as an insurer by the Malta Financial services Authority. Its registration number on the Malta Registry of Companies is C37030. Its head office is at:

135 Triq iz-Zerniq BirkiKara BKR 13 Malta

Multi Risk Indemnity Company Limited is not covered by compensation schemes in Malta.

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Handy security tips

• It’s easy to get lost in conversation. But if you’re using your phone when you’re out and about, try to stay aware of your surroundings.

• Annoy a thief. Use your phone security lock code or PIN to prevent them from making any calls.

• Pop into your nearest Vodafone store and ask an assistant to security mark your phone and battery with your postcode and house number, or the first two letters of your house name. This is free of charge (your police station offers this service too).

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Help us immobilise mobile phone crimeJoin the Immobilise campaign and register your phone on the National Phone Register. You’ll be helping us and the police crack down on mobile phone theft.

This is a free service supported by the National Mobile Phone Crime Unit (NMPCU), UK Police Forces, the Home Office and the mobile phone industry.

Here’s how the Mobile Phone Register works

• The Immobilise campaign encourages all mobile phone owners to register their details to help fight crime.

• Millions of mobile phone owners have already registered their phones.

• If your stolen phone is on the Register, and is then found, it can be traced back to you. This could lead to the thief being apprehended and prosecuted.

And here’s how you can register

• Find out your phone’s serial/IMEI number. (Look on the underside of your phone battery or key *#06# into your phone and it will appear on your screen).

• Visit immobilise.com

• Input your details – it only takes a couple of minutes and is completely free.

Just in case8 out of 10 people involved in accidents aren’t carrying the information that could prove crucial to the emergency services. ICE – In Case of Emergency – is a really simple way to store details of your next-of-kin on your phone.

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How ICE works

• Just go to your contacts, and put the letters ICE in front of the name of the person you would like the emergency services to contact in an emergency. It’s that easy.

• The emergency services will look for ICE on your mobile if you’re involved in an accident and contact that person if necessary to gather important information.

• Before you choose your ICE contact, check that they are ok about it and that they are easily contactable on that number. For example, a home number could be useless if they work full time.

• Make sure your ICE contact has a list of other people they should contact on your behalf – including your place of work.

• Ensure your ICE contact is aware of any medical conditions that could affect your emergency treatment – for example, any allergies or current medication.

• Storing an ICE number only takes a few seconds and it could save your life. So why not do it right now?

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So that’s it. Everything you need to know about Cover Me Pay monthly insurance.

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Our Terms and Conditions

The important stuff

Vodafone Cover Me Insurance Scheme

Multi Risk Indemnity Company Limited (we’ll call them ‘the company’, so you know who’s who) will in return for your continued payment of the monthly premium, reimburse Vodafone Limited and/or the customer (that’s you) for the cost of repair or replacement of your mobile (to the same specification, which may be by way of a refurbished mobile) where your mobile has been damaged, lost or stolen during the period of insurance subject to the following definitions, exclusions and conditions. The company shall only be liable to pay one claim in any calendar month. Cover will only apply in respect of a mobile registered with Vodafone Limited.

The bit about money

You can claim up to a retail value of £600 for a mobile phone or data communication device and up to £200 for accessories.

Where and when

Your mobile is covered when it’s with you in the UK, or if you’ve taken it temporarily out of the country, it will be covered for 30 consecutive days .

Which words mean what

1. When we use the word mobile we mean any voice mobile telephone or data communication device that has been supplied to you or authorised by Vodafone Limited, which is equipped with a SIM supplied by Vodafone Limited and activated for use by Vodafone Limited. Mobile will also mean any accessory that fits with your device that has been supplied by Vodafone. But mobile does not mean any vehicle installation materials, fixed installation material, software and content downloads.

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2. Customer means you, of course, and any person who has been authorised by you to use the equipment.

3. Unattended means that you weren’t around to stop the loss, theft or damage happening.

4. Period of Insurance refers to the date you pay your premium until midnight on the same date of the next month, or if that date doesn’t exist, then the last day of the month when you pay your premium. Your policy will automatically renew on a monthly basis provided you pay the required premium or unless you tell us to cancel your policy with the terms of our condition 6. Your policy will remain in force for a maximum period of sixty (60) months.

5. Administrator just means those nice people at Marsh Limited, PO Box 7135, Witham, Essex CM8 2WF.

Things that aren’t covered

The company shall not be liable for:

a. The first £25 of the cost of repairing or replacing your mobile.

b. (i) Loss, theft or damage to any accessory unless the mobile or data communication device is lost, stolen or damaged as part of the same event;

(ii) Theft or attempted theft of equipment from any vehicle or premises left unattended unless evidence of forcible and violent entry to the vehicle or premises is provided;

(iii) Loss of equipment left unattended in a public place or a place to which the public has access at the time of the incident;

(iv) Theft, attempted theft or malicious damage not reported to the Police within 48 hours of discovery;

(v) Loss or theft or attempted theft if you haven’t told Vodafone Limited within 24 hours;

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(vi) Loss or theft caused by deception.

c. The cost of:

(i) Repairs to interior or exterior paintwork caused by scratching or chipping of paintwork or polished surfaces;

(ii) Any costs or charges for which the manufacturer, supplier or distributor are liable in accordance with their standard warranty obligations.

d. Loss or damage caused by wear and tear, depreciation, insects, vermin, fungus or atmospheric or climatic conditions gradually operating cause any process of cleaning, repair, alteration, restoration, delay, confiscation or detention by order of any government public or Police authority;

e. Loss of use nor any consequential loss of any nature whatsoever.

f. Any loss or damage caused by a wilful act or negligence by you or any person using your mobile with your permission.

g. Loss or damage or consequential loss directly or indirectly caused by:

(i) War, invasion, act of foreign enemy hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, or military or usurped power nationalisation, 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;

(iv) Terrorism, regardless of any other cause or event contributing concurrently or in any other sequence to the loss. For the purpose of this exclusion, terrorism means any act including but not limited to the use of force or violence or the threat thereof of any person or group of

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persons whether acting alone or on behalf of or in connection with any organisation or government committed for political, religious, ideological or similar purposes including the intention to influence any government or to put the public or any section of the public in fear.

h. Loss or damage or consequential loss directly or indirectly caused:

(i) To your mobile failing to correctly recognise data representing a date in such a way it does not work properly or at all;

(ii) By a virus.

For the purpose of this exclusion, ‘virus’ includes trojan horses, worms, logic bombs or any program or software which prevents your mobile’s operating system software or content download working properly or at all.

Our conditions

1. Indemnity

The company may choose to either repair or replace your mobile, provided always that the total liability of the company shall not exceed the cost to the company of providing you with a mobile of an equivalent specification, as close as possible, in the opinion of the company.

2. Reasonable precautions

You shall take all reasonable precautions to protect your mobile and shall keep it in a proper state of repair.

3. Not telling the truth

(a) This policy shall be void in the event of fraud or misrepresentation or non-disclosure or alteration of risk;

(b) If you give misleading information when making a claim, the claim will be declined and the policy will be cancelled without notice by the company and you will be liable to pay for benefits already paid to them under

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this policy. No refund of premium will be allowed and then you may be prosecuted;

(c) When you report the theft of a mobile to Vodafone Limited the company shall be entitled to request Vodafone to blacklist the phone;

(d) If a mobile that is replaced by the company due to loss or theft is recovered you must inform the company and make arrangements to give back the recovered mobile. The company reserves the right to recover any costs involved in replacing or repairing the mobile if the you fail to do so.

4. Making a claim

As soon as you discover any incident that you need to claim for under this policy you must:

(a) In the case of theft or malicious damage: notify the Police within 48 hours of the discovery of the theft or damage and obtain a crime reference number or a Police report where available.

(b) In the event of any claim under this policy: notify Vodafone as soon as possible but not later than 14 days after the discovery of the theft loss or damage.

(c) Provide the Administrator with if requested a copy of the relevant airtime contract.

(d) It is a condition precedent to liability of the company that when any event occurs which gives rise to a claim under this policy the mobile must be repaired or replaced by the company or an unauthorised repairer nominated by the company. If you don’t do this, any liability of the company that would have arisen as a result of such loss shall be forfeited.

5. Where you live

The customer must be permanently resident in the United Kingdom at the start of this policy and at all times during the period of insurance.

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6. Letting us know if you change your mobile

If you change your mobile you must tell Vodafone Limited. If you don’t the policy will be invalid.

7. Cancelling your policy

You or the company may cancel this policy by giving 30 days’ notice to each other. You need to contact Vodafone on 191 from a Vodafone mobile or 08700 700 191* from any other phone. We can’t refund the premium for the period the policy was valid prior to such a cancellation. You also have a statutory right to cancel this policy, which extends for 14 days from the later of:

(a) The day you are informed that the policy has commenced and;

(b) The day on which you receive the full terms and conditions of the policy.

On receipt of the notice you will receive a refund of any premiums already paid unless the company has already been notified of a claim.

What to do if you’re not happy with us

We do our best to make sure you get the most out of our service. But we’re only human, occasionally something might go wrong and you don’t get the service that you expected. If that happens, we want to put things right, so please let us know if you are ever concerned with the service we’ve provided.

Initially, contact the Administrator to raise your concerns at:

Marsh Limited Vodafone Cover Me Insurance PO Box 7135 Witham Essex CM8 2WF Tel: 0870 333 8954

The Administrator will try to resolve your concerns within 24 hours. If this is not possible they will acknowledge your complaint within 5 working days of receipt and provide a response within 4 weeks.

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If your complaint is not resolved or you’re not happy with the Administrator’s response, you can progress your complaint to the Chairman of the Company, who will carry out a separate investigation in an attempt to resolve your complaint and will issue a final decision:

Multi Risk Indemnity Company Limited 135 Triq iz-Zerniq BirkiKara BKR 13 Malta Tel: 00 356 2149 8308

What to do if you are still not satisfied

If you’re still not satisfied, and the complaint is in relation to the policy, Multi Risk Indemnity Company Limited is regulated by the Malta Financial Services Authority and you may refer your complaint to the Consumer Complaints Manager of the Malta Financial Services Authority or bring a claim in the UK courts.

The Complaints Manager deals with complaints about financial services provided in or from Malta.

He or she can only consider complaints from private consumers and is unable to consider complaints from businesses. You may contact the Complaints Manager at:

Consumer Complaints Manager Malta Financial Services Authority Notabile Road Attard BKR14 Malta Tel: 00 356 2144 1155 Fax: 00 356 2144 1188 E-mail: consumerinfo@mfsa.com.mt Website: mfsa.com.mt/consumer

Your rights

Your rights as a customer to take legal action remain unaffected by the existence or use of any complaints procedures referred to above.

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Keeping your personal data personal

All personal information supplied by you will be treated in confidence by Vodafone Limited and its subsidiary companies and Multi Risk Indemnity Company Limited, the administrator and their agents, subcontractors and suppliers. It will not be disclosed to any third parties except where your consent has been received, where permitted by law or to assist in the prevention and detection of fraud. In order to prevent and detect fraud we may also at any time check and or file your details with the National Mobile Phone Project database operated by Advanced Forensic Solutions Limited.

What Laws apply

This policy is to be governed by English law. The courts of England and Wales shall have non-exclusive jurisdiction to settle any dispute which may arise in connection with this policy. Multi Risk Indemnity Company Limited considers that English law also is the basis for the establishment of relations with you before the conclusion of the contract.

Plain speaking

Multi Risk Indemnity Company Limited want to make things as clear as possible. So we use plain English in our policy and any other communication with you.

Chairman

Multi Risk Indemnity Company Limited

* BT customers are charged 4p per minute at off peak and peak times. Other provider’s rates may vary.

© April 2008. All rights reserved to Vodafone or third party licensors and materialsmay not be used in any way or copied in whole or part without prior writtenpermission of Vodafone Limited. Vodafone and the Vodafone logo are trademarksof Vodafone Group Plc or its associated companies. Vodafone Ltd. RegisteredOffice Vodafone House, The Connection, Newbury, Berkshire,RG14 2FN. Registered in England No. 1471587 4872 NEW