Insurance Terms & Conditions.

The Cover

Pier Insurance, subject to the exclusions and conditions, indemnify You by payment or at its option by replacement (with identical Equipment or Equipment of comparable specification up to a maximum retail value of €1000) or repair in respect of accidental damage, liquid damage, theft & loss including Airtime Abuse (following a successful claim for theft or loss) of the Equipment occurring during the period of insurance. A Replacement Phone may be from refurbished (as new) stock that has been tested and is fully functional. For Accessories the maximum indemnity provided under this insurance is limited to a maximum retail value of €250 in total during any 12 consecutive months as long as the Accessories were lost, stolen or damaged at the same time as Your Equipment [This cover does not apply to insurance for Prepay customers]. For Airtime Abuse the maximum indemnity provided under this insurance is limited to €1000 [for contract customers or €250 for prepay customers] in total during any 12 consecutive months.

Exclusions

Pier Insurance shall not be liable for;

1. loss of the Equipment except where it has been concealed on Your person
2. loss or theft of the Equipment where the circumstances cannot be clearly identified i.e. where You are unable to confirm the date and time of occurrence.
3. theft of the Equipment from the person of the user unless involving force or the threat thereof.
4. Theft of the Equipment from any unattended vehicle unless all windows are closed all doors are securely locked all security devices are activated and the Equipment is concealed from view in a locked glove compartment locked boot or locked load area.
5. Theft of the Equipment from any premises or mode of transport unless involving forcible and violent entry or exit.
6. Loss or theft of the Equipment whilst left Unattended or left behind when it is away from your home by You including but not limited to any premises or form of public transport whatsoever.
7. Loss theft or damage of the Equipment where at the time of the loss theft or damage or for a period of 15 days immediately preceding the time of the loss theft or damage the Equipment has not been used to send or receive a voice call data call SMS message on the 3 Ireland mobile telephone network and or the registered SIM card is not in the Equipment.
8. Repair or replacement arising as a result of negligent use wilful abuse or misuse
9. Any and all repair costs or charges arising from mechanical and/or electrical breakdown.
10. Damage to the battery or aerial or any cosmetic damage.
11. The cost of replacing or repairing accessories or costs arising from the use of accessories unless on a 12 or 18 month contract.
12. The cost of routine inspection service adjustment or cleaning resulting in accidental damage.
13. Damage caused during installation or removal.
14. Any amount recoverable under any guarantee warranty or other insurance.
15. Repairs carried out by persons not authorised by Us.
16. The policy excess as detailed below
17. The cost of replacing any stored data including but not limited to tunes songs personalised ring tones or graphics.
18. Any damage or fault caused by any form of electronic virus. For the purposes of this Exclusion, a virus includes Trojan horses, worms, logic bombs or any other program or software which prevents any Equipment operating system software or content download working properly in any way.
19. Airtime Abuse where the time period from discovery of the theft or loss to it being reported to 3 is longer than 24 hours.

Conditions

1. The schedule and the policy shall be read together as one document and any word or expression to which a specific meaning has been attached shall bear such specific meaning wherever it may appear.
2. All reasonable precautions must be taken to prevent damage to or theft or loss of the Equipment.
3. Details of any replacement and/or upgrade of the Equipment (IMEI/serial number) must be advised to Pier Insurance Managed Serviced Ltd with proof of purchase in writing or by contacting us at Pier Insurance (pierinsurance.com/3).
4. Cover under this insurance policy is subject to the payment of the which must be up to date and are non-refundable after the insurance cover has commenced other than during the cooling off period.
5. This policy will be voidable in the event of fraud non disclosure or alteration of risk.
6. Monthly Policies: Each party is entitled to cancel the insurance at any time giving not less than 30 days notice to the other in writing. If premiums are paid monthly no refund of premium will be due or
7. Annual Policies: Each party is entitled to cancel the insurance at any time giving not less than 30 days notice to the other in writing. A refund of premium will be made on a pro-rata basis providing you have not made any claims during the the policy period. No refund made if claims received during the policy period. A €10 administration charge will apply which will be deducted from any final return of premium.
8. A maximum of 2 claims for either theft and/or loss in any 12 month consecutive period or during the term of the policy, whichever is the lesser.
9. “Bundle insurance product”: A maximum of 1 claim for each handset and each tablet for either theft and/or loss in any 12 month consecutive period or during the term of the policy, whichever is the lesser

Claims Procedure

In the event of a claim You must;

a. Advise the Garda Siochana or local police authority within 24 hours if there has been theft loss or vandalism and obtain a Crime Reference Number.

b. Advise Pier Insurance by telephone as soon as possible and in any event within 24 hours of discovery on the claims hotline number – 1890 930 333.

c. Provide at Your own expense all details and evidence as may reasonably be required, including but not limited to information relating to exclusion number 7 above and the provision of usage data to Pier Insurance.

d. Notify 3 on 083 333 3333 within 24 hours upon discovery of theft or loss to ensure Airtime Abuse is limited.

3Cover is underwritten by UK General Limited on behalf of UK General Insurance (Ireland) Limited who are licensed by the  Central Bank of Ireland.

Policy Excess

Premium Cover: You will be responsible for the first €50 of Your first claim under this policy increasing to €75 for any subsequent claims.

Standard Cover: You will be responsible for the first €35 of Your first claim under this policy increasing to €50 for any subsequent claims.

Broadband Device: You will be responsible for the first €25 of Your first claim under this policy increasing to €40 for any subsequent claims.

“Bundle” You will be responsible for €75 for each and every claim

Territorial Limits

The Republic of Ireland Northern Ireland Great Britain Isle of Man or The Channel Islands and up to 60 days during any one calendar year elsewhere in the World.

Period of Insurance

Monthly Policies – This insurance commences at the time of purchase for a period of one month and will continue to be renewed by periods of one month for up to a maximum of 60 months in all upon receipt of Your monthly premium or

Annual Policies: This insurance commences at the time of purchase for a period of twelve months and will continue to be renewed annually up to a maximum of 60 months in all upon receipt of Your annual premium.

Cooling off period

You may cancel this policy within 14 days of receiving it by contacting Us at the address shown in this policy. Provided no claim has been made a full refund of premium paid by You will be given.