Mobile Device Protection

Smartphone price Capped Protection cover Ezone Price
Less than ₹ 9999 ₹ 5000 ₹ 399
₹ 10000 -₹ 15000 ₹ 10000 ₹ 699
More than ₹ 15000 ₹ 15000 ₹ 999
For Example -
if you purchase a phone worth 8000 rupees and purchase mobile device protection plan at rs. 399 you get a capped cover of rupees 5000 which indicates you can avail repair facility worth rs. 5000 throughout the year covering Accidental damage, Liquid damage, Door to door pickup and return of the repaired handset.

SUMMARY OF TERMS & CONDITIONS

TECPROTEC “Handset Protection Program”
Is a series of personal services that are marketed and sold by TECPROTEC to the consumer market that includes, amongst other services, the Insurance Product Mobile Phone Protection, underwritten by The New India Assurance Co Ltd.TECPROTEC shall distribute a Certificate provided to the Customer that explains the Insurance Product, including the terms and conditions in accordance with the coverage and exclusions, as set out under the Policy. All Certificates will be numbered with a unique serial number.

The “Handset Protection Program” is chargeable monthly/Annually and the monthly fees shall be borne by customer for every monthly/Annual renewal until otherwise advised in writing. The excess fee payable for the replacement of Personal handset in the event of approved repairs or replacement as shown in the Certificate shall be charged to the customer before collection of the Personal handset.

A. DEFINITIONS

Accidental Damage means any externally-visible deterioration or destruction of the Personal Handset that results from an external, unexpected and unforeseeable cause and impedes the correct functioning of the Personal handset.
Airtime Abuse means the unauthorized use of Your hand phone for telephone charges, incurred within twenty four hours after an Incident of Attended Theft, as illustrated on the billing statement provided by the telephone service provider.
Attended Theft means the unlawful taking of Personal Handset, from Your care and custody by one who has caused or threatened You with bodily harm and has committed an illegal or violent act, including the snatch or grab of the Personal Handset by force, and for which occurrence an official report is lodged or made to a recognized government law enforcement agency within a reasonable period of time of its occurrence.
Certificate Holder Insured, You or Your means the person named in the Certificate.
Handset Rental Overseas means the costs incurred to hire and engage temporary services of Personal Handset, following a covered Incident for Theft or Accidental Damage while You are travelling outside India.

Incident means Accidental Damage or Liquid Damage or Attended Theft event to Personal Handset

Insurer, Our, We or Us means The New India Assurance Co Ltd.

Liquid Damage means any deterioration or destruction of the Personal Handset that result from an external, unexpected and accidental spillage and/or immersion in any liquid substance that impedes the correct functioning of the Personal Handset.

Personal Handset means Your portable electronic communication equipment and as described on the Certificate or Policy Schedule.

Policy means this agreement between the Insured and the Insurer, by which the Insurer binds itself to the Insured, by receiving premium, to cover the loss of the Insured, which is determined in the Certificate issued to You.

Policy Period means the period of time you are covered by this insurance from the effective date to the expiration date which is determined in the Certificate issued to You.

Purchase Price means the price You paid to an authorized retail outlet to purchase Personal Handset.

Replacement Handset means Personal handset used to replace Personal Handset that requires replacement due to an Incident. Although the Replacement handset will have the value and technical specifications comparable to the Personal Handset it replaces, the Replacement Handset may be of a different model, different manufacturer and/or otherwise not identical to the Personal handset and is subject to the aggregate limit of Purchase Price for all Incidents per Policy Period. It is within Outsole discretion to provide Replacement handset that consists of either new or refurbished Personal Handset.

Value Added Services are additional benefits purchased from the telephone service provider that has enhanced the Personal Handset, such as specialized ring tones or data protection.

B. POLICY COVERAGE
SCOPE OF COVERAGE

Accidental Damage
In cases of Accidental Damage to Personal Handset during the Policy Period, We will pay for Your costs to repair the Personal Handset by a repairer approved by Us up to an amount not exceeding the Purchase Price per Policy Period or at Our sole discretion, replace the Personal Handset with Replacement handset which value shall not exceed the Purchase Price.

Liquid Damage
In cases of Liquid Damage to Personal Handset during the Policy Period, We will pay for Your costs to repair the Personal handset by a repairer approved by Us up to an amount not exceeding the Purchase Price per Policy Period or at Our sole discretion, replace the Personal handset with Replacement handset which value shall not exceed the Purchase Price.

Attended Theft
In cases of Theft to Personal Handset during the Policy Period, We will reimburse Youfor the Personal Handset lost up to an amount not exceeding the Purchase Price per Policy Period or at Our sole discretion, replace the Personal Handset with Replacement Handset which value shall not exceed the Purchase Price.

We will reimburse Youfor Handset Rental Overseas up to a maximum of Rs8000, and for a period not exceeding fourteen (14) consecutive days from the date of a covered Incident for Attended Theft or Accidental Damage. Any reimbursement will be made after a successful claim has been processed and any required documentation has been provided to us in support of the claim for Handset Rental Overseas.

You must provide an official police report that indicates the Incident happened within the covered time frame in order for Us to pay the claim

In the event of a Replacement of a Device arising from Accidental Damage and Liquid Damage and Attended Theft of Personal Handset, you shall be subject to the deductible of 10%.

EXCLUSIONS

We will not pay for any expenses or loss as a result of:

  1. Any dishonest, criminal, malicious or fraudulent acts or omissions, gross negligence, or willful misconduct committed by you, a relative, or the Certificate Holder.
  2. Losses that result from commercial usage of Personal Handset.
  3. Any damage caused by the process of cleaning, servicing, maintenance, adjustment, repair or misuse of the Personal Handset.
  4. Any damage to the Personal Handset caused by a natural catastrophe, atmospheric or climatic conditions, fire, rainfall, normal wear and tear, manufacturing defects, vermin or insects.
  5. The cost of the loss or misuse of the telephone S.I.M. card used in the operation of the Personal Handset.
  6. The cost of accessories or any consumable part related to the operation of the Personal Handset including but not limited to hands-free equipment, charger, batteries, complementary cards and any accessory that is secondary to the Personal Handset.
  7. The cost of damage to any hinge part of the Personal Handset that would be used for the opening and closing of part of the Personal Handset.
  8. Any damage or financial loss suffered by You during or after Accidental Damage or Liquid Damage to the Personal Handset.
  9. Any damage to the Personal Handset caused by any civil or foreign War, invasion, strike, riot, rebellion, civil commotion, Terrorist Act or confiscation by the authorities.
  10. Any damage to the Personal Electronic Handset caused by nuclear, biological or chemical exposure.
  11. The failure of the Personal Handset, or a part thereof, caused by electrical or mechanical defect.
  12. Trick or theft by pickpockets, without violence or intimidation or mysterious disappearance.
  13. Losses due to force majeure (being understood to be an inevitable, unforeseeable and external event), that precludes the physical recovery of the Personal Handset.
  14. The leaving of the Personal Handset in a place where it is visible from the exterior, in a vehicle, building or public place.
  15. The unforeseen loss of the Insured Member’s Mobile Phone (s) during the Period of Cover caused by the Insured Member
  16. Any losses or expenses that are not covered under the Section B.1 Scope of Coverage.
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