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 sale.

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 invoice/ bill.

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 of purchase.

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 fastened.

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 Attack etc

7. Any loss if the insured equipment is not connected to any cellular network of service provider.

8. Consequential loss of any kind or description including wear & tear, manufacturing defects etc.

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 or event.

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 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 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 contact Insurer/UIB.

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.

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