Terms & Conditions

Due to “Fire , Robbery with Violence & Full damage cover “Unrepairable” insurance for mobile phones


DEFINITIONS

General Definitions.

Insurance Certificate: The document(s) containing the conditions governing this insurance including but not limited to the Terms and Conditions for the Accidental Damage due to  Fire , Robbery with Violence & Full damage cover “Unrepairable” insurance for mobile phones.

Insured Person: The natural or legal person identified in the Insurance Certificate, that owns the mobile phone or the tablet included under the cover of this Insurance Certificate, and who is entitled, where fitting, to the rights derived from the insurance certificate.

Insurer: JOFICO ; the insurance company issuing the Insurance Certificate.

Incident: A claim related to the Insurance Certificate raised by the Insured Person to the Assistance Company claiming the benefit of such Insurance Certificate..

The Assistance Company: Arab Assist BSC (c), the company providing the benefits described in the Certificate directly or by means of its network.

Insured Good: the mobile phone which is the subject of the Insurance Certificate. 

Accidental damage: means accidental physical breakage, destruction or failure of your covered product(s) due to an unforeseen event, which causes physical damage to the Insured Good and that Due to “Fire, Robbery with Violence & Full damage cover “Unrepairable”.

Intentional damage: Means any loss arising out of any act, or wilful neglect by the Insured Person to commit or conspire to commit with the intent to cause a loss, including imposition of any abnormal conditions to the Insured Good.

Robbery with violence :Means the taking of the Insured Good from the Insured Person using violence. 

Purchase price: Means the price effectively paid by Insured Person and as evidenced on the sales receipt or invoice, for the Insured Good. The priceincludesany duty, levy or tax raised by any competent authority in Jordan.

Age: References in this insurance certificate to Age will be understood from the period running from the date of purchase of the Insured Good.  

Abrasion means: The process of scraping or wearing down by friction. A wearing, grinding, or rubbing away by friction which in any instance don’t arise as a result of the normal wear and tear of the Insured Good

Economic Limit: means the thresholds set forth in the conditions of this insurance certificate, or relevant plan, and which represent the maximum benefits covered under each Insurance Certificate.

Negligence : means is any damage / loss caused due to careless or irresponsible behaviours by the beneficiary

Breakdown: Any deterioration or destruction of the Terminal that is the result of some external, accidental, unpredictable cause and prevents the Terminal from functioning correctly partially or completely. A breakdown event shall not be deemed a Force Majeure event.

OBJECT AND SCOPE OF INSURANCE

Accidental Damage

Subject to sections 3, 4, 5and 6 below, the Insurer shall bear the costs of replacing the Insured Good, in case Accidental Damage, as a result of the following sudden  causes: 

Damages caused by Fire.

Damages caused by Full damage cover “Unrepairable.

Accidental damage due to Robbery with violence.

Robbery

Subject to section 3, 4, 5 and 6 below, and in case of Robbery the Insurer shall bear the costs of replacing the Insured Good.

ECONOMIC LIMIT 

These covers set out in section 2.1 above are limited to:

The replacement of the Insured Good within identical or a similar device with equivalent characteristics and quality in case of Robbery with Violence and Fraudulent Use.

The replacement of the Insured Good with an identical or similar device having equivalent characteristics and quality in case of Accidental Damage, when the Insured Good is not repairable. 

Subject to sub-section 6 below, at the time of the claim the total amount of repairs and/or replacement should not exceed the original Purchase Price of the Insured Good.

The total amount payable by the Insurer in the case of replacement  of the Insured Good will be subject to the following:

12 Months Certificate– Excess Details

Age of Insured Good in months

in case of replacement

Purchase date up to 12 month 

As shown in the policy schedule

FORMALIZATION AND DURATION

The Insured Person may subscribe an Accidental Damage due to Fire, Robbery with Violence & Full damage cover “Unrepairable cover for12 month the details of which are set out in sub-section (6) above.

CONDITION

This insurance is not transferable to any subsequent owner of the Insured Device

The Insurance Policy must be purchased by one month from the purchasing of the Insured Good. 

This Insurance Certificate is not renewable.

The device besides the general information must be identified on the Insurance Certificate with the following: IMEI (International Mobile Equipment Identity) for mobile phones /ESN or IMEI number sticker for tablets (and if having phone function, must also include IMEI) . 

The Insured Person is entitled 1 replacement for the duration of the Insurance Certificate.

The maximum limit for the replacement costs for the whole duration of the Insurance Certificate will be in any case, the purchase value of the Insured good. 

The Insurance Certificate shall automatically terminate upon claiming to the purchase value of the Insured good repairs or when the insured device replaced with the new one replacement without prejudice to the exclusions of these general conditions and the covered limits.

The following evidence of insurability shall be submitted to the insurance company before accepting to issue the policy

Device Good status and fully functional declaration signed by the policyholder and approved by the selling agent

Front, back and sides clear photos

Copy of receipt showing date of purchase

EXCLUSIONS

The following cases are excluded from the scope of the Insurance Certificate:

Generalexclusion:

Transportation or shipping costs borne by Insured Person to and from authorized repair facility designated by Assistance Company.

Replace of the device conducted without previous permission from the Assistance Company.

Any Force Majeure event as defined by competent courts or laws in Jordan such as earth movement, including but not limited to earthquake, subsidence, sinkhole collapse, landslide, mudslide, earth sinking or tsunami; nuclear Hazard, reaction or radiation or radioactive contamination, however caused; war, including undeclared or civil war, military force insurrection, rebellion, usurped power or action taken by government authority.

Custody or safekeeping expenses prior to giving the Insured Good to authorized repair facility designated by Assistance Company

Goods that are not mentioned on the Insured Goods list.

Any kind of Civil Liability incurred by the Insured Person.

Any damage and loss reimbursable under any other insurance or manufacture Warranty.

Products which are acquired outside the territory of Jordan.

Robbery Violenceor damage as a result of an attempted theft of insured device from any vehicle or 

premises left unlocked unless the equipment is out of sight and evidence of forcible and violent entry to the vehicle or premises is provided or unless you are in the vehicle or premises.

Fraudulent Claim: If the Insured Person make a claim knowing the claim to be false or fraudulently exaggerated in any respect or 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  Burglary, Loss or Accidental Damage caused by the Insured Person wilful act or with the intent to defraud the Insurer and Assistance Company, Then the claim will be declined and your insurance certificate will be cancelled without notice with no refund of premium. The Insurer and Assistance Company may be entitled to recover from Insured Person the cost of any claim already paid under this Insurance Certificate (if necessary the cost may be recovered through the instigation of court proceedings). Insurer and Assistance Company may also be entitled to recover from Insured Person the cost of any investigation into a fraudulent claim under this Insurance Certificate (if necessary the cost may be recovered through the instigation of court proceedings). 

Accidental Damage exclusions:

Accidental damage or losses and repair costs declared outside the territory of Jordan. 

Those accidental damages due to the power source, electrical dripping, inadequate connection to the electrical network, adaptors, stabilizers, peak suppressors, or other appliances.

Normal wear and tear, obsolescence.

Damage caused by sweat or condensation, even where this entails fading or loss of enamel coating on the screen.

Slight damage of insured Good chipped at edges or minimally, which do not impair visibility and normal use of the terminal. slight damage shall not include cracking of the screen.

Cost of disassembling the device for the diagnosis, when the accidental damage is not covered under this insurance certificate for any reason.

Accidental damages due to repairs, modifications, action on the device of a technician not authorized by the manufacturer or the Assistance Company, or use of the device not in accordance with the manufacturer’s instructions.

Accidental damages of aesthetic or structural parts, such as the casing, frame or any decoration.

Manufacturing defects acknowledged or accepted by the manufacturer, as well as epidemic failures.

Any Accidental damage caused by pre-existent defects.

Failures caused by mishandling or inadequate use, including but not limited to: bumps or hits, heat or cold exceeding the manufacturer’s indications, and voltage changes.

Aesthetic defects, corrosion and rust, whether caused by normal wear and tear or accelerated by environmental circumstances.

Failures or elements not expressly included in the manufacturer’s warranty certificate.

Scratches, dents or aesthetic/ cosmetic damage that does not impede the proper functioning of the device.

Removal and reinstallation of interlocking appliances.

Accidental damages of accessories or complements, such as remote control, adapters, battery chargers, transformers, external cables, buttons, handles, antennae, recipients, connectors, plugs, etc.

Accidental damages caused by accessories not approved by the manufacturer, as well as by failures in generators or transformers in general unless supplied directly by the manufacturer.

Accessories.

Software (including operating systems) loss or failure which shall be covered only if part of the Accidental Damage repair.  

Damage or failure of the device due to: a software virus; the configuration of user settings, or the 

process of backing up or recovery of data, loss, corruption, or damage to data operating systems.

Intentional Damage.

Claims not attributable to a single specific event as listed in this Insurance Certificate.

Loss or damage caused by incorrect storage, poor maintenance, wilful negligence, incorrect installation, incorrect set up, unless the authorized service centre representative would confirm otherwise with due substantiation

Loss or damage that is covered by a supplier, dealer or factory warranty.

Any type of self-repair or attempted self-repair.

Any claims within 30 days of the incident date of a previous successful claim.

Accidental damage cover is not applicable if model number or serial number or IMEI/ESN number sticker of the mobile phone is removed, altered, damaged, defaced, smudged or erased.

All the  water proof devices (confirmed by factory) are exclusion for water damage

Robbery with Violence exclusions:

Robbery Violence and Fraudulent Use losses that occur outside Jordan. 

Accessories.

Mysterious disappearance, circumstances or unexplained reasons 

Robbery with Violence of the device from unattended vehicles, except from fully enclosed car that is securely locked.

Device kept in a shared hallway, communal area, or a utility room in a block of flats, it is not covered.

Robbery or Burglary of the insured device when left unattended in a place to which the public has access at the time of the incident. 

Claim as result of negligence is not cover.

Insurance Certificate Termination:

In case the Assistance Company or Insurer discovers that the Insured Person is not eligible for the insurance coverage due to not meeting the criteria of the insurance conditions listed in Section 5, the Assistance Company or Insurer reserves its right to terminate the policy immediately and refund the full premium to the Insured Person. Such a condition shall be applied up to a maximum period of twenty two days (22) from the certificate issuance date. For the avoidance of doubt, should the Insured Person claim the benefit of the certificate during the above mentioned twenty two days (22) period, Assistance Company or Insurer shall not be allowed to prevent the Insured Person from benefiting of the coverage under the Insurance Certificate. 

Replacement of Device by Manufacturer Warranty Provider

In the event insured device is replaced by manufacturer warranty provider due to manufacture fault and insured needs to update his/her certificate data, insured shall provide official proof from manufacturer warranty provider which shows that the replacement of device and such a proof shall contain the details of both devices such IMEI / serial number, brand and model of the devices. Such request shall be reported to the administrator company within a maximum period of 96 hours from the date of device replacement otherwise the administrator company reserves its right to reject the request. 

Fraudulent Claim: 

If the Insured Person makes a claim knowing the claim to be false or fraudulently exaggerated in any respect or 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 Accidental Damage caused by the Insured Person wilful act or with the intent to defraud the Insurer and Assistance Company, Then the claim will be declined and your insurance certificate will be cancelled without notice with no refund of premium. The Insurer and Assistance Company may be entitled to recover from Insured Person the cost of any claim already paid under this Insurance Certificate (if necessary the cost may be recovered through the instigation of court proceedings). Insurer and Assistance Company may also be entitled to recover from Insured Person the cost of any investigation into a fraudulent claim under this Insurance Certificate (if necessary the cost may be recovered through the instigation of court proceedings). 

Insurance Certificate Termination:

In case the Assistance Company or Insurer discovers that the Insured Person is not eligible for the insurance coverage due to not meeting the criteria of the insurance conditions listed in Section 5, the Assistance Company or Insurer reserves its right to terminate the policy immediately and refund the full premium to the Insured Person. Such a condition shall be applied up to a maximum period of twenty two days (22) from the certificate issuance date. For the avoidance of doubt, should the Insured Person claim the benefit of the certificate during the above mentioned twenty two days (22) period, Assistance Company or Insurer shall not be allowed to prevent the Insured Person from benefiting of the coverage under the Insurance Certificate. 

Replacement of Device by Manufacturer Warranty Provider

In the event insured device is replaced by manufacturer warranty provider due to manufacture fault and insured needs to update his/her certificate data, insured shall provide official proof from manufacturer warranty provider which shows that the replacement of device and such a proof shall contain the details of both devices such IMEI / serial number, brand and model of the devices. Such request shall be reported to the administrator company within a maximum period of 96 hours from the date of device replacement otherwise the administrator company reserves its right to reject the request. 

CLAIMS

The Insured Person must contact  the Assistance Company’s  (the details of which are set out in the Insurance Certificate) within  a maximum period of 3 working days from the date of Accidental Damage and within a maximum of 24 hours from the time of Robbery with Violence and Fraudulent Use. The Insured Person then is required to and to submit  the required documents or device to the authorized repair facility designated by the insurance company in cooperation with Arab Assist  within a maximum of 5 working days  from the date of notification of the claim to the Assistance Company’s Claim Department.

No claim will be undertaken by Assistance Company unless notified in accordance with the terms of this section 7.

The Insured Person must provide the Assistance Company with the following documents:

Copy of the Insured Person identification: CPR, passport.

Device serial number (IMEI).

Copy of the Insurance Certificate.

Claims form to be filled out at the time of submitting the damaged device to the appointed workshop.

In case of Robbery with Violence. Original copy of the report filed with the competent authority, such report must contains full details and proper /clear explanations about the case including the details of the device covered.

In case of Robbery with Violence: payment receipt from the SIM provider of the SIM replacement.  

The Insurance Company in cooperation with Arab Assist will arrange the repair the covered breakdowns or damages in a Arab Assist’s authorized repair facility, under these Terms and Conditions and in accordance with the Insured Person, who is required to allow access to the Insured Goods or their transfer where necessary. 

Claim Declaration Form: 

When the Insured Person declares a claim, the claim declaration form shall be filled out, signed and submitted to the claims Administrator Company by the insured, 

The Insured Person must provide the Assistance Company with the following documents:

Copy of the Insured Person identification: CPR, passport.

Device serial number (IMEI) in case of mobiles /ESN, or IMEI in case of Tablets or IMEI if having telephone function) , 

Copy of the Insurance Certificate.

Claims form to be filled out at the time of submitting the damaged device to the appointed workshop.

The Assistance Company will arrange the repair the covered damages in Arab Assist authorized repair facility, under these Terms and Conditions and in accordance with the Insured Person, who is required to allow access to the Insured goods or their transfer where necessary

image2