phones 4u by Ben Quinton

Contact Details CLAIMS & CUSTOMER SERVICES

OO0870 900 6444 OOwww.policyadmin.co.uk/business

mobile phone insurance protect all your company’s mobiles against:

48hr express replacement phone Loss Theft Accidental damage Malicious damage

4u Business Limited Registered in England No. 05114332 Registered office: Swift House Liverpool Road Newcastle Under Lyme Staffordshire ST5 9JJ Policy Administration Services Limited Registered in England No. 3907386 Registered Office: Crewe Hall Enterprise Park Weston Road Crewe Cheshire CW1 6UE

0384/05/2005 PAS/XXX/XX/0705

Water and liquid damage Mechanical breakdown London General Insurance Company Limited Registered in England No. 1865673 Registered Office: Combined House 15 Wheatsheaf Way Kingston Upon Thames Surrey KT1 2PQ

Accessory cover (up to £100) Worldwide protection Airtime abuse (up to £1,000)

3 The policy is automatically renewable each month, with the payment being taken by direct debit. The monthly payment is separate from any payment you make to an airtime provider.

Mobile phone insurance Policy Summary This policy provides cover for - Loss

about our insurance services

- Theft - Accidental damage - Water and liquid damage - Mechanical breakdown - Unauthorised calls up to £1,000 per claim - Accessories up to £100 per claim - Replacement of accessories that do not work with your replacement phone - 48hr express replacement of your phone

Claims Should you need to register a claim, you can do this online at www.policyadmin.co.uk/business or by telephoning on 0870 900 6444. Please refer to page 13. Cancellation You have a right to cancel this policy within the first 14 days. You should contact us on 0870 900 6444 to cancel the policy. Please refer to page 16. Enquiries and Complaints Should you have an enquiry or complaint, you can contact us on 0870 906 3118. Please refer to page 19.

- Worldwide cover

Policy Administration Services Limited is covered by the Financial Ombudsman Service.

This policy does not provide cover for:

Other Information

- The policy excess of £50 for each claim.

You may be entitled to compensation from the Financial Services Compensation Scheme, in the unlikely event that any of the parties to this insurance is unable to meet its liabilities.

- Loss of, theft of, or damage to, your phone: • whilst in an unattended motor vehicle, unless it is secured in a glovebox or locked boot • whilst in an unattended building, unless damage was caused in gaining entry to, or exit from, the premises • where it has been left accidentally or deliberately in a public place or a place to which others have access • where it has been passed to someone else Full details can be found starting on page 15. This summary does not contain the full terms, conditions and exclusions. They can be found starting on page 9 of this booklet. All claims are subject to payment of £50 excess. Your phones will not be covered until you have registered the phone and SIM card details with us. Please see page 6. Cost The cost of the policy will be £4.50 per month for each phone covered (Insurance Premium Tax is included in the insurance premium).

This insurance is underwritten by London General Insurance Company Limited (FRN 202689) who is authorised and regulated by the Financial Services Authority. Under European law, you and we may choose which law will apply to this contract. English law will apply unless both parties agree otherwise, in writing, prior to policy inception. 4u Business Limited (FRN 419173) is an Appointed Representative of Policy Administration Services Limited, who is authorised and regulated by the Financial Services Authority. These details can be checked on the FSA register by visiting their website at www.fsa.gov.uk/register.

Demands and Needs Statement You have a mobile phone and believe insurance protection against it suffering loss, theft, or damage would be beneficial to you. You have been advised of the details of the policy in the summary of cover, including the main benefits and 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 also have a period of 14 days after the commencement of the policy to cancel the contract if you wish to re-consider your decision.

5 Why you need mobile phone insurance

Welcome

The number of mobile phones stolen or broken in the UK every year is astonishing; just look at the statistics below:

Welcome to premierplan™, 4u Business Limited’s exclusive insurance policy for mobile phones. Please read this booklet carefully and keep it in a safe place.

• A mobile phone is stolen every minute in the UK*

We have designed this policy around you and the mobile phones you wish to cover. The policy has been introduced to minimise any concern you may have about owning a mobile phone. We want you and those covered by this policy to enjoy using a mobile phone, so read through this information and then sit back and relax; we’ve got it covered.

• Latest figures show half of all street crime now involves mobile phone theft*

We have made our explanations clear and concise to enable you to understand the cover we provide and your responsibilities. These terms detail exactly what is covered by premierplan™, provides useful tips on how to keep a mobile phone safe, and tells you what to do if you need to make a claim.

• Mobile phones remain the number one target for muggers*

Some of the words and phrases we use have special meanings that relate to this insurance. If a word or phrase is in bold type, please read the Definitions section of this booklet.

• Approximately 1 in 5 car crime victims will have their mobile phone stolen*

If you have any questions about your cover, please visit the Frequently Asked Questions page of our website at www.policyadmin.co.uk/business or call Customer Services on 0870 900 6444. Please have your mobile phone number to hand.

Remember:

keep it safe, keep it out of sight

Remember, no policy covers everything. We do not cover certain things such as wear and tear, maintenance, or where you have not taken reasonable care of your phone. You must keep your phone and accessories in good condition and take reasonable steps to prevent loss, theft or damage.

* Source: Mobile News, BBC News Online, Evening Standard, Autoglass Crime Report.

Insurance, can you afford not to have it?

7 Registration of your mobile phone details

Useful contact details

Your mobile phones will not be covered until you advise us of the phone and SIM card details. If you were unable to provide all of the details of your mobile phones when you applied for this cover, you will need to contact us to update your mobile phone details. You can do this in two ways:

Online - www.policyadmin.co.uk/business

• Log on to our website at www.policyadmin.co.uk/business available 24 hours or • Call Customer Services on 0870 900 6444 Monday-Friday Saturday-Sunday

8am-8pm 9am-6pm

You can use the website to: • View information on the claim process • Request or print a claim form (recommended for the express replacement option)

• • • •

Check the status of a claim Cancel a claim Update your address details Read Frequently Asked Questions and Safety Tips

You will need to provide to us: - the Policy Reference number stated on your Certificate

Customer Services - 0870 900 6444

- the following details for each mobile phone you would like to protect:

Customer Services are available between the hours below:

• make and model

Monday-Friday Saturday-Sunday

• mobile phone number (from the SIM card)

When you contact Customer Services you can:

• whether your phone calls are made on an airtime contract or pre-pay account

• • • • • • • • •

• the name of your airtime-provider • IMEI number (key *#06# on your keypad and a 15-digit number will appear) • the name of the mobile phone user if you would like this to be recorded You can add further mobile phones to your policy at any time.

8am-8pm 9am-6pm

Request information on the claim process Request a claim form Check the status of a claim Cancel a claim Change your personal details Add or remove additional phones Change your Direct Debit details Advise us if any phone has been changed or upgraded Request general information about your policy

If you prefer, you may write to: Customer Services Policy Administration Services Limited PO Box 290 CREWE CW1 6YF Please ensure that you quote your mobile phone number and full company name and address.

Whichever way you decide to contact us, please have your mobile phone number to hand. We will use this to find your policy details. Airtime-providers’ numbers:

3 BT O2 Customer Services Orange Customer Care T-Mobile Customer Care Virgin Mobile Vodafone Customer Services

08707 330 333 08000 322 111 08705 214 000 07973 100 150 0845 412 5000 0845 6000 789 07836 191 191

9 Keeping your phone safe and sound

Policy Document

There have been a lot of reports in the press about the increasing problem of mobile phone theft in the UK. Last year, many thousands of phones were reported stolen but very few were recovered and returned to their rightful owner.

These terms and your certificate should be read as one document. Words or expressions that have a particular meaning are shown in bold type and have the same meaning wherever they may appear.

We want to do what we can to try and prevent this worrying trend. We are working together with the network operators to exchange identities (IMEI numbers) of lost and stolen phones to prevent handsets being used again. Of course, there are ways you can help too.

premierplan™ has been arranged on your behalf by Policy Administration Services Limited, who deals with the administration of this insurance, including the collection of premium and the handling of claims.

The IMEI number One of the first things you can do is to make a note of the IMEI numbers of all phones covered under your policy. The IMEI number is usually listed on the phone’s box but you can find it easily on the phone itself: • key *#06# on the keypad • a 15-digit number will appear • this is the IMEI number that is unique to the phone The IMEI number is important. When you make a claim, we will add it to the Central Equipment Identity Register to prevent the phone from being used by anyone else. Marking the phone You can use a UV security pen to put your business number and postcode on the handsets and batteries of all phones covered under your policy so that, if the phone is ever recovered, the Police can return it to you. Setting up a security PIN You can make it more difficult for other people to use a phone by setting up a security PIN code. For details on how to set this up, see your manufacturer’s handbook. Default PIN codes for your chosen network are listed below: • • • • • • •

3 BT O2 Orange T-Mobile Virgin Vodafone

0000 1210 (Nokia handsets 1234) 5555 1111 1210 7890 0000

This insurance is governed by the terms and conditions detailed in this booklet, which apply equally to all users of company phones covered by this policy. The terms and conditions provide for (i) the insurance that we have arranged on your behalf with the insurer, for which you pay a premium; and (ii) the service agreement with us which governs the provision of the services, for which you pay a service charge. All elements of the service provided by us and insurance cover provided by the insurer are subject to the terms and conditions, which may be changed in certain circumstances on giving 30 days’ notice in writing to you at your last known address. Acceptance of cover is at our discretion. Your policy is based on the information that you gave to us verbally or otherwise when you applied for the insurance. The terms detail what is covered and what is not covered, how claims are settled, and other important policy information. Our part of the contract is as follows: • Cover will only apply during the period of insurance, the starting date being shown on your certificate. • Where we attach a special meaning to a word it is shown in bold type. • We handle claims on behalf of the insurer. • We will hold money on behalf of the insurer. Your part of the contract is as follows: • You must pay a minimum of one month’s cover in advance for each period of insurance of one month. • You must ensure that all payments due to us have been made without deduction or set-off.

We suggest that you change the PIN codes of all phones covered by your policy to ones that the user will find easy to remember. If you do not know how to do this, please refer to the manufacturer’s handbook supplied with the phone.

• All phones must be an asset of the company, and the monthly account statement from your airtime-provider must be in the name of the company.

Beware

• All users of phones covered under this policy must adhere to these terms.

There are currently several companies who may contact you to offer alternative mobile phone protection. Whilst some of these are reputable companies, some are not. We suggest that you think carefully before providing any personal details to companies offering such products. If you are interested in alternative products, please ensure that you get a contact name and telephone number from the company and written confirmation of what is covered before you make a decision.

• If you cancel your Direct Debit without notifying us, your policy will expire immediately.

11 Policy Document continued

Definitions

You can request another copy of these terms. They are also available in large print, audio and Braille versions. If you would like a copy in any of these formats, please call Customer Services on 0870 900 6444 or write to:

Administrator/Administration Policy Administration Services Limited (FRN 307406) and the services provided to you. Contact details can be found on the back cover of this booklet.

Customer Services Policy Administration Services Limited PO Box 290 CREWE CW1 6YF Under European law, you and we may choose which law will apply to this contract. English law will apply unless both parties agree otherwise, in writing, prior to policy inception. The contract is written in English and all communication by us with you will be in English.

Certificate Certificate of Mobile Phone Insurance and Service Agreement. Electrical or mechanical breakdown The actual breaking or burning out of any part of the phone caused by, or arising from, internal electronic, electrical, or mechanical defects, or defective or faulty materials, or workmanship, causing stoppage of normal operation and necessitating immediate repair or replacement before normal operation can be resumed. Excess The first ÂŁ50 of every claim, which you have to pay by credit/debit card. IMEI number International Manufacturers Electronic Identification number The unique serial or identification number that we will use to identify the phone. Incident Any event that may lead to a claim being made for repair or replacement of the phone. Any incident involving a crime must be reported to the Police. You must obtain a crime reference number. Insurer London General Insurance Company Limited (FRN 202689), whose main business is general insurance. Contact details can be found on the back cover of this booklet. Mobile phone/Phone The handset and SIM card specifically identified by the IMEI number as detailed on the certificate. Monthly payment The amount payable by you under the policy terms to (i) the insurer for the insurance cover; and (ii) the administrator for the provision of services. Period of insurance The time period for which you have a valid policy, with the monthly payment being made in advance and the Direct Debit remaining in place for future payments. Policy Your policy consists of an unlimited number of mobile phones, as notified by you to us and detailed on your certificate. Proof of purchase The till receipt provided at the point of sale that details the phone and/or accessories purchased, or similar documentation that provides proof that the company owns the phone and/or accessories. Service charge The amount payable by you under the terms to the administrator for their services.

13 Definitions continued Services The work the administrator undertakes on your behalf in arranging the insurance and acting as an intermediary between you and the insurer.

5 The cost of unauthorised calls made, up to a maximum of £1,000 per claim. 6 The replacement of your accessories, up to a combined retail price of £100, lost, stolen, or damaged at the same time as your phone.

SIM card Subscriber Identity Module card The card carrying a subscriber identity, the use of which, in conjunction with the phone, enables services to be charged to the airtime contract.

7 The replacement of your accessories, up to a combined retail price of £100, if we have replaced your phone with an alternative model as a result of a successful claim and your accessories are no longer compatible with your new phone.

Unauthorised calls Unauthorised calls, messages and downloads made from the phone after being lost or stolen and whilst not being barred by the airtime-provider. The payment of unauthorised calls is subject to a valid claim for the phone under the terms and conditions and you reporting the incident within the given timescales.

How to make a claim

We/Us/Our Refers to the administrator.

visit our website at www.policyadmin.co.uk/business to register your claim online; or contact Customer Services on 0870 900 6444. Monday-Friday Saturday-Sunday

You/Your Refers to the person designated by the company, and detailed on the certificate, responsible for maintaining the policy and payment of the monthly Direct Debit. This person must be the owner, a director, a partner or manager of the company, who is authorised to commit the company to a contractual relationship, and has the ability to authorise the monthly payment by Direct Debit.

Price

8am-8pm 9am-6pm

Please have your mobile phone number to hand If the phone is lost or stolen, please follow these simple steps: 1 call the airtime-provider to bar the SIM card - doing this will prevent any further unauthorised calls being made; you can find your airtime-provider’s number on page 7; 2 inform the Police and ask for an incident number.

Conditions on making your claim

The monthly cost of the cover is detailed below. Prices are quoted per phone. Insurance premium Service charge Total

To make a claim:

£ 3.50 1.00 4.50

Insurance Premium Tax is included in the insurance premium. The policy is automatically renewable each month, with the payment being taken by Direct Debit. The monthly payment is separate from any payment you make to an airtime provider.

The policy provides cover for 1 The cost of replacing your phone as a direct result of loss or theft whilst you are in the United Kingdom, the Isle of Man, or the Channel Islands. 2 The cost of replacing your phone as a direct result of loss or theft elsewhere in the world providing your phone has been enabled to operate outside the UK. 3 The cost of repairing your phone (or replacing it if your phone cannot be repaired) where accidental damage, water or liquid damage, or malicious damage has occurred. 4 The cost of repairing your phone (or replacing it if your phone cannot be repaired) where damage has been caused by electrical or mechanical breakdown.

1 You must register a claim within 48 hours of discovering any incident for which you wish to claim, by visiting our website or by contacting Customer Services. 2 You must inform the airtime-provider and the Police within 24 hours of discovering any loss, theft or malicious damage for which you wish to make a claim, obtaining the appropriate incident number. 3 You must complete and return the claim form to us within 14 days of receiving, ensuring that you have followed the procedure detailed on the claim documentation. If you have chosen the express replacement option and your claim is unsuccessful, your credit/debit card will be charged an agreed amount for the replacement phone. You will be able to authorise the payment on the claim form. 4 You must return the damaged phone and accessories to us for inspection before your claim will be assessed. You must send your phone and accessories by secure means, as described in the claim documentation. The phone remains your responsibility until received by us. This does not apply to the express replacement option. 5 You must ensure that no one but the administrator’s approved agents carries out repairs to, or maintenance of, the phone or accessories. 6 You must pay the £50 excess by credit/debit card when you make a claim.

15 What will happen when your claim is approved 1 Replacement phones and accessories will come from available stock (which may be refurbished). If the same model is not available, the replacement will be of a similar specification and quality, which will be determined by us. 2 You have the option to accept an express replacement of the phone. Please see below. 3 We will arrange for the repair or replacement of the phone and accessories at our discretion. 4 If the phone is lost or stolen, we will reimburse you by BACS transfer or cheque for the cost of any unauthorised calls up to a maximum of ÂŁ1,000 per claim. 5 If any lost or stolen equipment is recovered after the claim is approved, it shall become the property of the insurer and must be returned to us immediately.

4 Inform us of any loss, theft or damage covered by your policy within the given timescales. 5 Advise us by telephone if you intend to remove any phone from your policy, cancel your policy, or cancel your Direct Debit.

Loss, theft and damage Cover will not be provided for: 1 Theft of the phone from a motor vehicle, unless secured in the glovebox or locked boot. The vehicle must be locked and all security devices activated. Damage must be caused by the thief and evidence provided with your claim. Cover will not be provided if the vehicle cannot be secured against unauthorised entry.

6 Damaged phones, accessories, parts and materials replaced will become the property of the insurer.

2 Theft of the phone from any unattended building or premises, unless damage was caused in gaining entry to, or exit from, the premises.

7 The details of phones that are reported lost or stolen will be submitted to the Central Equipment Identity Register to prevent further use.

3 Loss or theft of the phone where it has been left accidentally or deliberately in a public place or a place to which other people have access.

8 We reserve the right to discontinue cover if you have made two successful claims in any 12-month period.

4 Loss of, theft of, or damage to, the phone where it has been passed to someone else.

Express replacement option

5 The cost of unauthorised calls whilst the phone was not in the custody of an employee, where the theft of the phone has not been reported to the airtime-provider and the Police within 24 hours, and the administrator within 48 hours, of an employee discovering the incident.

If you need to claim, you may wish to take advantage of the express replacement option. You may find the following information helpful. 1 We recommend that you register your claim online at www.policyadmin.co.uk/business to ensure that we receive your claim form quickly. 2 Replacement phones will come from available stock and should be despatched within 48 hours of your claim form being received by us. We will try and replace your phone on a like-for-like basis, however should this not be possible, we will telephone you to discuss the possible options. 3 We will send you a replacement phone before your claim is assessed. Consequently, if your claim is unsuccessful, we will write to you and confirm the reason why. Your credit/debit card will then be charged an agreed amount which you pre-authorise on the claim form instead of you paying the excess.

6 The cost of unauthorised calls if the phone has not been lost or stolen and the appropriate incident number obtained from the Police. 7 Loss of, theft of, or damage to, your phone whilst in transit from the supplier.

Electrical or mechanical breakdown Cover will not be provided for: 1 Damage caused by, or during, maintenance or modification of the phone. 2 Any breakdown or failure caused by placing or using the phone in a location or environment not in accordance with the manufacturerâ&#x20AC;&#x2122;s instructions.

Important things that you must do 1 Use the phone and accessories in accordance with the manufacturerâ&#x20AC;&#x2122;s instructions. 2 Take reasonable care to prevent loss of, theft of, or damage to, the phone and accessories. If we consider that you have not done so, your claim may not be accepted. 3 Advise us if your company details change, any of the mobile phone numbers change, or you wish to alter the phones covered by your policy.

The Immobilise campaign was launched in 2003 by the mobile phone industry and the Metropolitan Police, supported by the Home Office. Working together, we provide a highly effective means of clamping down on mobile phone crime.

1 If you have not registered the details of your mobile phone and SIM card with us before the loss, theft or damage occurred.

3 We may cancel this policy with immediate effect by registered letter to you at your last known address in the event of you submitting any fraudulent or inaccurate information, or for any other valid reason. Any payments you have made will be retained.

2 Where the IMEI number cannot be determined from the phone or proof of purchase cannot be provided to prove ownership of the phone.

4 You may cancel this policy with immediate effect by telephoning Customer Services on 0870 900 6444. Any refund will be at our discretion.

3 Damage due to wear and tear, depreciation or gradual deterioration.

5 Cancellation or unsuccessful collection of your Direct Debit will be considered as a cancellation of your policy. We will attempt to collect your Direct Debit payment twice before the collection is considered unsuccessful.

General Cover will not be provided for:

4 Damage due to any process of cleaning, adjustment, repair, maintenance, or dismantling. 5 Installation, removal, or subsequent relocation of the phone in a vehicle, or any electrical or mechanical breakdown as a result of such. 6 Any loss (business or personal) resulting from loss of use of the phone. 7 The cost of cosmetic repairs. 8 Loss, theft, damage, or breakdown caused by war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, or insurrection by military or usurped power. 9 Loss, theft, damage, or breakdown arising out of any wilful act or negligence of the user of the phone. 10 Any claim arising from, or in connection with, the repossession of the phone by any bank, finance, leasing or similar company, or person acting with such authority, and/or the confiscation or impounding of the phone by any Police, Customs or Government Authority. 11 Any consequential loss incurred by the company or any of its employees during the administration of the policy or at the time of a claim. 12 Loss or corruption of data, images, games, logos, wallpaper, videos, or downloads due to theft of, or damage to, the phone, or damage caused by a computer virus. It is recommended that you keep a backup copy of all data.

Cancelling the policy 1 If the policy does not meet your requirements, please telephone Customer Services immediately on 0870 900 6444 or write to: Customer Services Policy Administration Services Limited PO Box 290 CREWE CW1 6YF 2 You have the right to cancel this policy within the first 14 days after policy set-up. We will refund your payment, subject to an administration charge of one month’s cover. The full payment will be retained if the policy is cancelled after 14 days.

Fraud Identity fraud is a serious problem in the UK. Your company’s details, and details of any employees, will be used to help prevent fraud of this nature occurring to you. If you or your company receive information that any details relating to your company or its employees have been used for fraudulent purposes, please call Customer Services on 0870 900 6444 and ask to be transferred to the Security and Risk Management team. Alternatively, you can write to: Security and Risk Management Policy Administration Services Limited PO Box 290 CREWE CW1 6YF The personal details which you supply to us during the application process will be used to combat fraud. These details will be retained for legal reasons for a reasonable period after your policy expires, and for up to one year after your policy expires in relation to fraud specifically. The contract between you and us is based on mutual trust. If you, a company employee, or anyone acting for your company: • make a claim under the policy, knowing the claim to be false or fraudulently exaggerated in any respect; • make a statement in support of a claim, knowing the statement to be false in any respect, or submit a document in support of a claim, knowing the document to be forged or false in any respect; or • make a claim in respect of any loss, theft or damage caused by the wilful act of an employee or with the intent to defraud the administrator or insurer; then: • we shall not honour the claim; • we shall not honour any other claim which has been or will be made under any policy held by you; • we shall not make any return of payments made for cover and we may, at our option, cancel the policy;

19 Cancelling the policy continued • we may be entitled to recover from you the cost of any claim already paid under this policy (if necessary the cost may be recovered through the instigation of court proceedings); • we may be entitled to recover from you the cost of any investigation into a fraudulent claim under this policy (if necessary the cost may be recovered through the instigation of court proceedings);

If you remain dissatisfied, you may be able, within 6 months of our final decision, to refer your query for an independent assessment to: The Financial Ombudsman Service South Quay Plaza 183 Marsh Wall LONDON E14 9SR

and • we may inform the Police, Government, or regulatory bodies of the circumstances.

Enquiries/Complaints We will always be fair and reasonable when handling your policy or claim. Should there ever be an occasion when you feel we have not provided you with a satisfactory level of service, we would like you to inform us so that we can do our best to solve the problem. We will do everything possible to ensure that your query is dealt with promptly. We will deal with all queries on behalf of the insurer. The easiest way to contact us is to call our Customer Relations team on 0870 906 3118. Alternatively, you can write to us at the following address: Customer Relations Department Policy Administration Services Limited PO Box 290 CREWE CW1 6YF Please quote your Policy Reference number or mobile phone number in all correspondence. Our staff will attempt to resolve your query immediately. If this is not possible, we promise to acknowledge your query within 5 working days of receiving it. In the unlikely event that your query has not been resolved within 4 weeks of our receiving it, we will write and let you know the reasons why, and what further action we will take. Once we have resolved your query, we confirm our response in writing. If you are not satisfied with our decision, please contact our Customer Relations department on the number provided above. If you have a complaint relating to the policy wording or contract then please contact the insurer at their registered address.

Enquiries/Complaints continued We are covered by the Financial Ombudsman Service who, once contacted, will liaise with us on your behalf. They will inform you directly of their decision. Referral to the Financial Ombudsman Service will not prejudice your right to take subsequent legal proceedings. You are entitled to contact the insurer and 4u Business Limited if you wish. Following this procedure will not affect your statutory rights. Further information can be obtained from their website at www.financial-ombudsman.co.uk. You may be covered by the Financial Services Compensation Scheme. In the unlikely event any of the parties to this insurance is unable to meet its liabilities, you may be entitled to compensation. The scheme covers 100% of the first £2,000 of the claim, and 90% above this limit. Further information can be obtained from their website at www.fscs.org.uk. Status Disclosure 4u Business Limited can only offer mobile phone insurance arranged by Policy Administration Services on behalf of the insurer London General Insurance Company Limited, who they act as an agent of in respect of the sale of this product. 4u Business Limited is an Appointed Representative (FRN 419173) of Policy Administration Services Limited who is authorised and regulated by the Financial Services Authority (FSA), with an FSA registered number of 307406, which can be checked on the FSA website www.fsa.gov.uk/register or by phoning 0845 606 1234. If you need to register a complaint please follow the procedure detailed in Enquiries/Complaints. If Policy Administration Services Limited cannot settle your complaint, you may be entitled to refer it to the Financial Ombudsman Service. We are covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the scheme if we cannot meet our requirements. For the purposes of the Data Protection Act 1998, the Data Controller in relation to the personal data which you supply is Policy Administration Services Limited.

Calls may be recorded or monitored for training, customer services purposes and/or the prevention or detection of crime.