千万帮我理解下啊…我研究好久了, 问了几个人, 也去了银行, 答案竟然都是不清楚… 我都想不好了. 我也就看中这个mobile insurance.
前面挺清楚, 我就复制下 summary, 和后面讲的没差我觉得.
Mobile Phone Insurance.
Demands and needs statement.
This Mobile Phone Insurance Policy has been provided to meet the demands and needs of mobile phone users covering your phone against theft, loss, damage, electrical or mechanical breakdown and unauthorised calls wherever you are in the world.
You have been informed of the details of the Policy in the Summary of Cover, including the main benefits, main exclusions and limits of the cover, and are not aware of any other insurance policy that you currently have that makes this Policy unsuitable. You are aware of your obligation to provide all material information and have made a reasoned decision on the basis of the information provided in the Summary of Cover, and can cancel this insurance at any time should you decide that the cover is no longer suitable.
Summary of Cover.
As a benefit of being a Lloyds TSB Silver Current Account holder, you receive insurance to cover up to a maximum of two mobile phones with Lifestyle Services Group Limited (we/us/our). This section gives a summary of the cover provided. Full terms, conditions and exceptions are detailed within the Policy Document section on pages 5-12.
Main benefits.
This Policy covers: • phones up to a maximum individual original retail cost or value of £2,000
including VAT • the cost of replacing the phone in the event of:
– loss
– theft
• the cost of repairing (or replacing where the phone cannot be repaired) the phone in the event of:
– accidental damage – water and liquid damage – malicious damage – electrical or mechanical breakdown
• the cost of unauthorised calls made up to £1,500 including VAT per claim for airtime contract phones, and up to £300 including VAT per claim for pay-as-you-go phones
• the cost of accessories up to the value of £250 including VAT per claim, where lost or stolen at the same time and in the same circumstances as the phone or replacement of accessories incompatible with a phone replaced as a result of a valid claim
• one phone and SIM card per account holder up to a maximum of two phones for a joint account. The phone(s) must be your property and responsibility.
• wherever you are in the world, repair or replacement will be arranged upon return to the UK
• a maximum of two successful claims per account in any 12-month period.
Full details can be found in section D of the Policy Document section.
Main exclusions.
This Policy does not provide cover for: • the Policy excess payable by you for each successful claim. The excess varies
depending on the mobile phone you claim for. If you have an Apple iPhone the excess is £100 and for all other handsets it is £50.
• theft of your phone and accessories from an unattended motor vehicle, unless it is secured in a closed glovebox or locked boot and the vehicle is locked with all security devices activated (evidence of damage by the thief must be provided with your claim)
• unauthorised calls, unless the phone is lost or stolen and the loss or theft has been reported to the police and your airtime provider within 24 hours (an incident reference number must be obtained)
• theft of your phone and accessories from any unattended building or premises, unless evidenced damage was caused in gaining entry to or exit from the premises
上面放大的就是把我弄得很迷糊的地方了. 我没明白这是, 比如 我丢了/被偷了/损坏了手机, 我要付差额呢(高于£100或者£50的), 还是必须要先付£100或者£50 他们支付差额???
特别是当前面红字部分说这个那个都被cover的情况下, 如果我支付差额, 那也就是他们就赔偿那么点的意思么? 那我要买保险有什么意义嘛 = =
但是要我先支付£100或者£50的话,对于damage这块岂不是 我报损不如报丢了??? 难道自己弄丢的(lost)也需要警局报案???.
. 看来我还是skip这个warranty算了. 谢谢帮忙.