Mobile Protection Plan for Microsoft customers
Few Definitions under the policy: -
Section 1 - Definitions
This section gives information about terms & condition about Mobile Protection
Plan (MPP) for the benefits of purchaser,
Proposer – Microsoft certified retailers or partners
for the benefit of their end consumer, whereby customer opt for MPP along with the
purchase of equipment, only through proposed stores.
Insurer: The New India Assurance Company Limited.
Insured - Purchaser of the equipment who have opted for
MPP & & its details as mentioned in the MPP certificate issued along with the
Beneficiary/User: The purchaser, whose name is as shown
on the Invoice and in MPP certificate. However his / her Spouse, Children &
Parents can use the equipment. Where the purchaser is a company, beneficiary/user
shall mean any representative / employee of the company authorised to use the Equipment.
Insured Equipment: Product as shown on purchase Invoice
& on MPP certificate
Medium: Benefit of MPP can be obtained only from proposer
stores with in India.
Administrator/Facilitator/Coordinator: Universal Insurance
Brokers Services Private Limited (UIB) & its ancillary partner’s if any.
Cover Period: 12 months from the date of purchase of equipment.
Sum Insured: Equipment value as mentioned in the purchase
Section 2 – The scope of cover
Provided Insured have purchased equipment from proposer’s outlet by opting Mobile
Protection Plan (MPP) and MPP certificate is issued at the time of purchase of equipment
by paying appropriate premium along with the purchase invoice & this handout to
the purchaser. For multiple equipment purchase in single invoice by insured, MPP
need to obtain separately
. Insurer in the event of following occurrence, to Insured Equipment will accept
liability towards repair or replacement with same or similar equipment or at the
their option will arrange for payment, if equipment
Ø Suffers accidental physical damage to the Insured Equipment and/or such damage
cause’s equipment to stop working.
Ø Fails to work because accidentally fluid has entered its internal circuitry, resulting
into stoppage of the insured equipment.
Ø Burglary including Theft and Housebreaking
Ø Stolen from a locked building/room/vehicle.
Ø Fire lighting and explosion.
Ø Act of god perils
Ø Damage or theft during riot, strike & malicious damage.
Insured will not be eligible for any compensation under MPP for any loss or damage
to accessories alone even if forming a part of standard pack or to any complimentary
or ancillary product/s, made available under any promotional scheme at the time
Section 3 – Exclusions
This Insurance policy does not cover:
1. Loss, such as lost, forgotten/misplaced/left unattended, missing, fallen and
any loss under mysterious circumstances.
2. Loss resulting from or caused by theft, or attempted theft of insured equipment,
left in unattended vehicle or room except car of fully enclosed saloon type or room,
having at the time all the doors/windows and other opening securely locked and properly
3. Loss due to Intentional act or wilful neglect.
4. Loss arising after 12 month from date of purchase.
5. Any loss due to hire or loan of the insured equipment to a third party or if
ownership is transferred.
6. Loss arising due to unlawful act including Terrorist activity, War, Nuclear Explosion,
Radioactive Contamination, Chemical, Biochemical, Biological, Electromagnetic, Cyber
7. Any loss if the insured equipment is not connected to any cellular network of
8. Consequential loss of any kind or description including wear & tear, manufacturing
9. Loss caused by incorrect storage, poor care and maintenance, careless use, gross
negligence, incorrect installation and incorrect set-up.
10. Loss that is covered by Supplier, dealer or factory warranty. certificate
11. Any loss of data or software installed in the equipment.
12. Any loss arising outside the territorial limits of India.
13. Any loss which is cosmetic in nature and does not result in complete stoppage
of/or functioning of equipment.
14. Any loss effecting to SIM card and any ancillary product etc even if the equipment
result into complete stoppage of working
Section 4 – Compensation
Total Loss: –
Compensation for any Total Loss claims will be by way of NEFT or payment to the
insured account by suitable mode. Maximum liability shall be Sum Insured, subject
to excess and depreciation depending on age of insured equipment from date of purchase
at the date & time of loss.
Partial Loss: –
Compensation for any Partial Loss claims will be by cashless repair, to
the insured equipment or NEFT/payment to the insured account by suitable mode. Maximum
liability shall be cost of repair, subject to excess. If the repair cost or maximum
liability at the time of loss exceeds the total loss settlement, insurer shall settle
the claim on total loss under BER (Beyond Economic Repair).
If the repair value is more than the compensation payable, beneficiary has
to bear the difference between repair value and approved amount.
Excess is minimum value which shall be deducted in each and every claim. Excess
is 5% of the claim value, or 300 rupees, whichever is higher.
The Sum Insured or maximum liability shall be calculated as follows by applying
depreciation on the claim value only for total loss.
Upto 90 Days
10% of purchase price
91 to 180 Days
25% of purchase price
More than 180 Days
50% of purchase price
Maximum of 2 claims shall be addressed by the insurer, during the cover period;
subject to previous claims reported is partial loss & up to maximum value of
Sum Insured at the time of loss.
Section 5 – Policy Condition
Insured or beneficiary shall all times & agrees that:
Ø Take all reasonable steps to safeguard the insured equipment.
Ø In the event of loss, declare/disclose all the material fact about the incidence
Ø In the event of a loss, all benefits shall be forfeited, where there is any misrepresentations,
misdescripition or non disclosure of any material fact significant to admission
of liability and assessment of loss.
Section 6 – Claim Procedure
In the event of loss insured or beneficiary is required to do following steps:-
Ø An immediate intimation (not later than 48 hours from the date and time of loss)
about loss should be given to insurer or Universal Insurance Brokers (UIB) on
022 – 4910 7910.
Ø All claim related documents or correspondence need to be submitted to UIB and
all such documents or correspondence should reach UIB not later than 15 calendar
days from the date and time of the event of loss.
Theft Category –
Ø The event should be immediately (not later than 48 hours from the date and time
of loss) reported to the nearest police authorities and police acknowledgment/receipt
to be furnished.
Ø The event will have to be simultaneously notified to the cellular network service
provider not later than 48 hours from the date and time of loss and a written acknowledgment
on confirmation of barring of SIM services from network service provider to be furnished.
Damage Category –
Ø Do not get the damaged insured equipment repaired unless intimated over helpline
of UIB & further authorized by insurer.
Note - If the estimate of repairs is more than Rs.20000/-, a surveyor will
be deputed for assessing the loss.
Section 8 – Contact points for Claims
All claim related queries and submission of claim document/s or correspondence
should be directed to Universal Insurance Brokers Services Private Limited by calling
on 022 – 4910 7910 . or by sending an SMS as “UIBSUPPORT (space)
MPP (space) <mobile number> (on which customer wish to get reply from UIB)
on 56767 e.g. UIBSUPPORT MPP 1234567890.
On the basis of your call UIB will in turn arrange for a pick up of claim
documents & damage equipment in case of damage category claims in cities such
as Mumbai, Delhi, Hyderabad, Chennai & Bengaluru.
In case pick up facility is not available UIB shall guide you further course
to either obtain cashless benefit or mail in benefit.
All claim related documents or correspondence need to be submitted to Universal
Insurance Brokers Services Pvt. Ltd (UIB) in Duplicate i.e. Original claim document/s
with one additional photo copy of all original claim document/s.
Insured/Beneficiary can inform about the claim, know their claim status and also
get all other relevant information by calling on 022 – 4910 7910
or writing an email at firstname.lastname@example.org or by sending an SMS
as “UIBSUPPORT (space) MPP (space) <mobile number> (on which customer
wish to get reply from UIB) on 56767 e.g. UIBSUPPORT MPP 1234567890
For claim guidance or assistance and claim related issues, beneficiary can
contact Insurer/UIB. Please refer
http://mpp.universalinsurance.co.in toview or download for all insurance
related documents, to inform about the claim, to track the claim status etc.
For claim guidance or assistance and claim related issues, beneficiary can
This scheme is available at select stores/outlets and applicable only if equipment
& MPP obtained from same outlet. This insurance policy is valid only if make and
model of the insured equipment is Microsoft.
Insurance is subject matter of solicitation.