VODACOM ACCIDENTAL DAMAGE INSURANCE COVER TERMS AND
These are the terms and conditions for Vodacom Accidental Damage Insurance Cover. The insurer is Vodacom Insurance Company (RF) Limited, a registered insurance company. Finrite Administrators (Pty) Ltd, an authorised financial services provider, has been appointed to administer this Policy.
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. The Insurer appoints Finrite Administrators (Pty) Ltd (the Administrator) to handle all policy related queries, administration and claims. This specific cover is limited to DAMAGE only claims. This means that in the event that your Device is damaged, only approved repairs will be covered in terms of this Policy subject to the terms and conditions. Please note that if your Device is lost or stolen, you will not be covered by this policy.
Definitions
- "Accident"means known and identifiable unintended sudden and unforeseen event. âAccidentalâ has the corresponding meaning.
"Accidental Damage"means physical damage or destruction of the Device caused by an Accident.
"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.
"Authorised User" refers to the person nominated by You to use the Device insured under this Policy.
"Contract Subscriber"means a Vodacom customer who has entered into a Subscriber Agreement with Vodacom.
"Loss"means the sudden and unforeseen physical loss of the Device. "Lost"has the corresponding meaning.
"Maximum Limit of Indemnity"means the maximum amount that We will pay out which will be determined by Your Premium Band and will not be greater than the Sum Insured as defined, at the time of Accidental Damage.
"Policy"means this agreement between You and Vodacom Insurance Company (RF) Limited, together with the schedule hereto.
"Policyholder", "You", "Your"is the person in whose name the Policy is issued.
"Premium Band"is determined by the retail price of the Device inclusive of VAT at the time of inception of this Policy and defines the premium payable under this Policy. For Specified Insured Extras, the Premium Band is determined by the cumulative value of all specified items, based on the retail price of the items inclusive of VAT at the time of inception of this Policy.
"Prepaid Subscribers" refers to Vodacom customers who pay-as-they-go for mobile airtime, and who have not entered into a Subscriber Agreement with Vodacom.
"Good-As-New Device"means a device that has been refurbished, tested and restored to full working condition.
"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.
"Specified Insured Extras"is an optional benefit that can be selected together with the Comprehensive Cellphone Insurance cover option. This includes Wearables. All Specified Insured Extras must be, listed on the attached schedule and identified via a serial number.
"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.
"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.
"Sum Insured"means the retail price of the Device inclusive of VAT at the time of Loss, Theft or Accidental Damage.
"Theft"or "Stolen"means the unlawful act of taking possession of the Device with the intention of permanently depriving the Customer of that Device.
"Unauthorised Usage"means charges for SMS, calls or data incurred as a direct result of Loss or Theft of Your Device.
"Vodacom"means Vodacom (Pty) Ltd
"We", "Us"refers to the insurer, Vodacom Insurance Company (RF) Limited or the administrator, Finrite Administrators (Pty) Ltd, as applicable.
Wearables refer to an electronic items that can be worn on the body as an accessory used in conjunction with the Cellphone. A defining feature being the ability to connect to the internet, enabling data exchange and includes items such as the Samsung Galaxy Gear Fit, Apple Watch, earphones and digital media players, such as Apple TV.
Vodacom Accidental Damage Insurance is a monthly renewable insurance Policy that provides cover against Accidental Damage of the insured Device.
IT IS VERY IMPORTANT TO NOTE THAT:
YOUR CLAIM WILL NOT BE PAID IF THE VODACOM SIM CARD LISTED ON THE ATTACHED SCHEDULE IS NOT IN USE WITH THE INSURED DEVICE AT THE TIME OF ACCIDENTAL DAMAGE, THEFT OR LOSS.
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.
Your specific cover is limited to Damage only claims. This means that in the event that your Device is damaged, only approved repairs will be covered in terms of this policy subject to the terms and conditions. Please note that if your Device is lost or stolen you will not be covered.
Accidental Damage -this is a standalone benefit option. It is applicable to the insured Device.
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.
If Your Device is beyond economic repair (as determined by an authorised Vodacom repair centre), We will replace YourDevice 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.
You will not be able to claim under this benefit option if You are unable to provide us with the damaged Device.
Summary of Benefit Options and Cover:
Cover Options
AccidentalDamage Insurance
(Stand-alone)
ComprehensiveCellphoneInsurance
(Stand-alone)
SpecifiedInsured Extras(Notstand-alone.
Can only beselected withComprehensiveCellphone)
ComprehensiveLaptopand TabletInsurance
(Stand-alone)
Accidental Damage
Yes
Yes
Yes
Yes
Theft
No
Yes
Yes
Yes
Loss
No
Yes
Yes
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 repair or replace your Device at our option. We will not pay out a cash settlement.
What are you not covered for
Theft, Loss and Accidental Damage while Your insured Device is being used with any other SIM Card which was not listed on Your Policy schedule
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 Accidental Damage.
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).
Any costs of replacing, reinstating or making good wear and tear, gradual deterioration, scratching of outer casings, aerials or keypads.
Loss, damage or failure of batteries,
Any consequential loss or damage.
Any claim arising from abuse, misuse or neglect of the insured Device.
Loss, damage or failure for which the manufacturer or supplier is liable, or which is covered by a current maintenance contract or warranty.
Loss of, damage to or corruption of data as a result of electronically conveyed viruses or defects in design or manufacture.
Loss of data, personalised ringtones or graphics, downloaded material and apps or software.
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.
How to Claim
If the insured Device is 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.
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: [emailprotected]
Online claims can be submitted via www.vodacom.co.za
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.
We must be in possession of the damaged Device in the case of Accidental Damage claims.
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: [emailprotected]. 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: [emailprotected]
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 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.
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.
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.
