Our Master Module

IS THIS COVER RIGHT FOR YOU?

This insurance is designed to meet the requirements of someone who wishes to ensure that specific listed items are insured for accidental loss, accidental damage and theft. You need to satisfy yourself that this product is suitable for you, and give consideration to any other household or credit card insurance policies you may already have in place for the item insured. We have not provided you with a personal recommendation so it is your responsibility to make sure that this insurance is right for you.

INTRODUCTION

We have tried to keep this insurance as simple and as clear as possible by letting you know exactly what you are covered for, what you are not covered for and anything you need to do before, during or after a claim. This document is a legal agreement so please read it carefully and make sure you understand the cover provided and comply with the terms and conditions. If you don’t understand anything, please check the Help section or contact us at help@zingcover.com.

In return for payment for the coverage modules you have purchased, we will provide the insurance set out in each coverage module from the start date until the end date set out in each coverage module, and subject to the terms, conditions and limitations set out in your subscription.

WORDS IN BOLD

Words shown in bold have a special meaning. To make things easier, we have set out the most relevant definitions in each coverage module, but there will be some definitions that are common to all coverage modules. To get us started, these are listed here:

Coverage module means a subscription you have purchased from us which is displayed in your Zing Cover account.

Home means the address(es) stated in your Zing Cover account.

End date means the date at which your coverage ends. The end date will be shown in your Zing Cover account or it will state “rolling subscription”, in which case you will remain covered until you or we cancel your subscription. When a subscription is cancelled we will always confirm this to you by e-mail as well as displaying it in your Zing Cover account.

Subscription means this document and the coverage modules you have purchased from us and which are displayed in your Zing Cover account.

Start date means the date at which your coverage starts. The start date will be shown in your Zing Cover account.

United Kingdom means England, Wales, Scotland and Northern Ireland.

We/ us/ our means Zing Cover, a trading name of Covertech Ltd (FRN 976493), underwriting on behalf of Chubb European Group SE.

Your/ your means the person(s) named in this subscription.

PAYMENT FOR YOUR SUBSCRIPTIONS

If any subscription payment is cancelled or unsuccessful, then no payments or benefits shall be due from us to you. We will inform you, within your Zing Cover account and by email, that payment has not been collected and cancel your coverage module(s) if payment is still not received within a specified period of time.

If you are experiencing financial difficulty and may be unable to continue your payments to us then you should contact us at help@zingcover.com.

IMPORTANT DETAILS

  • A – Reasonable care…

You must take reasonable care to prevent accidents or injuries, protect your property against loss, theft or damage and keep your property in good condition. If we determine that you have not taken reasonable care to avoid loss, we may refuse to accept your claim or reduce the value of any settlement we make for the claim.

  • B – Recovery of your insured items…

If we settle a claim for an item that is lost or stolen, and that item is subsequently recovered, you must notify us by contacting us as soon as reasonably possible.

  • C – Additional members…

The most we will pay in settlement of a claim is the value(s) listed in each coverage module. If there is more than one of you listed in your subscription, the total amount we will pay will not exceed the amount we would need to pay to any one of you.

  • D – Other important information

You must be aged 18 or over, and normally resident in the UK and not have any unspent criminal convictions to be eligible for this subscription.

INDEXATION

From time to time we will adjust the values listed for your covered items, and this may increase the amount you pay for that subscription. We will always inform you, in your Zing Cover account and by email, before we do so. We do this because some of your covered items may increase in value over time. We keep a close eye on this, by using our own indices as well as data and expertise from our partner retailers and brands, to try to spot when something you own is going up in value and may cost more than you originally paid to replace in the event that you need to make a claim.

GENERAL EXCLUSIONS

Each coverage module will tell you as clearly as possible what’s covered and what’s not. However, in addition, there are some things that we can’t ever cover and therefore apply to all coverage modules. We will never pay a claim caused by or resulting from:

  • - Confiscation, damage or destruction by or under the order of any government or public authority;
  • - War, invasion, acts of foreign enemies, civil war, rebellion or revolution;
  • - Ionising radiation or contamination or any explosive nuclear assembly or component;
  • - Biological or chemical contamination;
  • - Any claim arising out of a deliberate act by you or anyone acting on your behalf.

TERRITORIAL LIMITS

We will never be deemed to provide cover for your insured items whilst within, or travelling to or from, Ukraine, Russia, Belarus, Crimea (including Sevastapol), Luhansk and Donetsk.

SANCTIONS

We will never be deemed to provide cover and will also never pay a claim or provide any benefit that would expose us to any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union, United Kingdom or United States of America.

US, AND US ALONE

This subscription is a legal contract and you and we are the only parties to it. Nothing in this subscription is intended to give anyone else any rights or benefits which that person would not have had but for the Contracts (Rights of Third Parties) Act 1999.

LAW & JURISDICTION

This subscription is governed by the laws of England, and the courts of England and Wales will have the exclusive jurisdiction to adjudicate any dispute.

MISREPRESENTATION, FRAUDULENT CLAIMS & FRAUD PREVENTION

Your eligibility for this subscription, and the terms and pricing we have offered, are based on the information you have given us. You must take care when answering questions we ask to ensure it is accurate and complete.

If we identify fraud in a claim, we will cancel your subscription, and will decline to offer any subscriptions to you in the future. In addition, your details will be listed in our records for fraud prevention purposes and may be passed to the police.

You can check out the fraud prevention checks we make in the Help section of your Zing Cover account.

If we establish that you carelessly provided us with false or misleading information it could adversely affect your subscription and any claim. For example, we may:

  • - treat your subscription as if it had never existed and refuse to pay all claims and return your subscription payments. We will only do this if we provided you with cover which we would not otherwise have offered;
  • - amend the terms of your subscription. We may apply these amended terms as if they were already in place if a claim has been adversely impacted by your carelessness;
  • - reduce the amount we compensate you for a claim in the proportion the subscription you have paid bears to the subscription we would have charged you; or
  • - cancel your subscription in accordance with the Cancellation condition below.

We will notify you, in your Zing Cover account and by email, if we:

  • - intend to treat your subscription as if it never existed; or
  • - need to amend the terms of your subscription.

If you become aware that information you have given us is inaccurate, you must get in touch with us straight away via your Zing Cover account or by contacting us at help@zingcover.com.

WHAT TO DO IF YOU NEED TO MAKE A CLAIM

We hope that nothing adverse happens to your insured items, but if something does you need to tell us as soon as reasonably possible by going to the Claims section of your Zing Cover account. You should also read the relevant coverage module for more detailed information about how we will settle your claim.

We know that it can be a stressful time, but it will help if you can use your phone to take photos of the scene of where the accidental damage, accidental loss or theft occurred, and to record anything that you think will help us to quickly and smoothly handle your claim. If you are making a claim for theft, you must also report the loss to the police and obtain a crime reference number.

You can get real help from a real person by going to the Claims section of your Zing Cover account.

If you cannot access your Zing Cover account for any reason you can email claims@zingcover.com or phone 01371 829276 and one of our team will be in touch with you.

CANCELLATION

We would be devastated if you want to leave us However, you can cancel your subscription at any time by going to your Zing Cover account. You can cancel cover for specific items, a coverage module or your entire subscription. We will confirm the cancellation in your Zing Cover account and by email, and let you know if you are owed a refund.

If you decide to cancel your subscription in the first 14 days of cover, we will refund the full amount you have paid, but we may deduct an administration charge to cover the costs of setting up your subscription. After 14 days your subscription will be cancelled from the next monthly payment date. Information about our administration charge can be found below.

If you decide to leave us, we really want to know why so we can make sure we make Zing Cover better. You can leave your feedback in your Zing Cover account, or you can email help@zingcover.com. We never want to see a member leave us, and we always want to see what we can do better.

We can cancel any or all of your subscriptions at any time by giving you 30 days’ notice to the email address stored in your Zing Cover account.

Any refund will be returned to the card you used to pay for your subscription. Refunds will take a minimum of 3 working days to process and may take up to 10 days to appear on your bank or card statement.

If you have been waiting for your refund for more than 10 working days you should contact us at help@zingcover.com and we will look into it straight away.

ADMINISTRATION CHARGES

We want it to be as easy as possible for you to make any changes to your subscription, but when you first join us, £10 of your first payment is an administration charge to cover our costs of creating your subscription. If you decide to leave us, this amount may be deducted from any amount we refund to you.

COMPLAINTS

You are free to make a complaint to us at any time by emailing us at complaints@zingcover.com, via our website, via your Zing Cover account or by calling us on 0203 9897029. It is our policy to ensure that all complaints are addressed promptly and that our response to complaints is fair and consistent. Our complaints procedure is also designed to be consistent with our regulatory obligations, including the additional rights that may be available to you.

You can view our full Complaints Policy here.

USE OF YOUR PERSONAL DATA

We are committed to protecting your personal information. We will always process your personal data lawfully, and we will use your personal information primarily in connection with the provision of insurance. You can view our full Privacy Policy here.

We also share your personal information with Chubb European Group SE (Chubb). Chubb use personal information which you supply in order to write and administer this policy, including any claims arising from it. This information will include basic contact details such as your name, address, and policy number, but may also include more detailed information about you (for example, your age, details of assets, claims history) where this is relevant to the risk Chubb is insuring, services we are providing or to a claim you are reporting. Chubb is part of a global group, and your personal information may be shared with their group companies in other countries as required to provide coverage under your policy or to store your information. Chubb also use a number of trusted service providers, who will also have access to your personal information subject to their instructions and control. You have a number of rights in relation to your personal information, including rights of access and, in certain circumstances, erasure. This section represents a condensed explanation of how Chubb use your personal information. For more information it is strongly recommend you read the user-friendly Master Privacy Policy, available here: www.chubb.com/uk-en/footer/privacy-policy.html.You can ask Chubb for a paper copy of the Privacy Policy at any time, by contacting dataprotectionoffice.europe@chubb.com

FINANCIAL SERVICES COMPENSATION SCHEME

We are covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the Scheme if we cannot meet our obligations to you. Further information about compensation arrangements is available at www.fscs.org.uk, by phoning the FSCS on 0800 678 1100 or writing to them at 10th Floor, Beaufort House, 15 St Botolph St, London EC3A 7QU.

ABOUT THE INSURER

Chubb European Group SE (CEG) is a Societas Europaea, a public company registered in accordance with the corporate law of the European Union. Members’ liability is limited. CEG is headquartered in France and governed by the provisions of the French insurance code. Risks falling within the European Economic Area are underwritten by CEG, which is authorised and regulated by the French Prudential Supervision and Resolution Authority (4 Place de Budapest, CS 92459, 75436 Paris Cedex 09, France). Registered company number: 450 327 374 RCS Nanterre. Registered office: La Tour Carpe Diem, 31 Place des Corolles, Esplanade Nord, 92400 Courbevoie, France. Fully paid share capital of €896,176,662.

CEG’s UK branch is registered in England & Wales. UK Establishment address: 100 Leadenhall Street, London EC3A 3BP. Authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details about the extent of our regulation by the Prudential Regulation Authority are available from us on request. Details about our authorisation can be found on the Financial Conduct Authority website (FS Register number 820988).

CEG is a subsidiary of a US company. As a result, CEG is subject to certain US laws and regulations in addition to EU, UN and national sanctions restrictions which may prohibit it from providing cover or paying claims to certain individuals or entities or insuring certain types of activities related to certain countries such as Iran, Syria, North Korea, North Sudan, Crimea Region and Cuba.

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