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You can find information about Insurer, Insured, Beneficiary/User and Insured Equipment etc. & other terms & conditions for your LUMIA 1020. Please note that insurance is available on select stock. To validate availability of insurance, please enter your primary IMEI no. in above box.

This document gives information about Insurer, Insured, Beneficiary/User and Insured Equipment etc & other terms & conditions

Proposer – Nokia India Sales Private Limited for the benefit of their end consumer, whereby customer purchase an Insured Equipment during the Policy Period, through their Medium.

Insurer: The New India Assurance Company Limited

Insured/Beneficiary/User : Purchaser of the insured equipment, whose name is as shown on the Invoice with model. 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 Model: Nokia LUMIA 1020

Insured Equipment: Insured Model as shown on purchase Invoice

Medium: Nokia certified retailers or partners

Administrator/Facilitator/Coordinator: Universal Insurance Brokers Services Private Limited (UIB) & its ancillary partner’s if any

Cover Period:12 month from the date of 1st purchase of Insured Equipment.

Sum Insured: Equipment value as mentioned in the purchase invoice subject to maximum of INR 50000/-.

Policy Period: 11th October 2013 to 10th October 2014.

Section 2 - The scope of the cover

Provided insured/beneficiary/user has purchased Insured Equipment and same is mentioned in the invoice issued by Proposer medium to end customer i.e. insured/beneficiary/user and proposer have declared Insured Equipment to insurer and paid appropriate premium. Insurer in the following event to Insured Equipment will accept liability towards repair or replacement with same or similar equipment or at their option will arrange for payment as per policy terms and condition, if equipment :

  • Suffers accidental physical damage to the Insured Equipment and/or such damage cause’s equipment to stop working.
  • Fails to work because accidentally fluid has entered its internal circuitry, resulting into stoppage of the insured equipment.
    • Burglary including theft and housebreaking
  • Stolen from a locked building/room/vehicle. –Fire, lightening and explosion.
    • Act of god perils
  • Damage or theft during riot, strike & malicious damage.

Insured will not be eligible for any compensation, for any loss or damage to accessories even if forming a part of standard pack or to any complimentary or ancillary product/s, made available.

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. – Insurance company basis on the claim document submitted by the consumer.
  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 covered by supplier, dealer or factory warranty.
  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 to complete stoppage of/or functioning of equipment.
  14. Any loss which is due to regular wear and tear and does not result in to complete stoppage of/or functioning of equipment. 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 per Insured Equipment 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 for each Insured Equipment 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 by applying depreciation on the claim value only for total loss:

Age Depreciation
Up to 90 days 10% Percentage of Purchase Price
91 to 180days 25% Percentage of Purchase Price
More than 180days 50% Percentage of Purchase Price

Maximum of 2 claims shall be addressed by the Insurer, during policy period; subject to maximum value of Sum Insured at the time of loss and prior claim is partial loss.

Section 5 – Policy Condition
Insured or beneficiary agrees that:
  • Take all reasonable steps to safeguard the insured equipment.
  • In the event of loss, declare/disclose all the material fact about the incidence or event and submit salvage.
  • In the event of a loss, all benefits shall be forfeited, where there are any misrepresentations, misdescription 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:-
  • 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.
  • 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 –
  • 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.
  • 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 –
  • The event need to be notified to UIB with proximate cause or reason of loss, in turn UIB will arrange to take the insured equipment, to nearest authorized service centre & obtain service estimate towards damage.
  • Do not get the damaged insured equipment repaired unless intimated over helpline of UIB & further authorized by insurer.
Section 7 – 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 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, Kolkata, Chennai, Bengaluru & Hyderabad.

In case pick up facility is not available, UIB shall guide the Insured further course to either obtain cashless or mail in benefit or such suitable mode of service.

All claim related documents or correspondence need to be submitted by the Insured 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.

Note: Original Documents shall be retained by Insurer at the time of claim and shall not be returned to the insured/claimant.

For claim guidance or assistance and claim related issues, beneficiary can contact Insurer/UIB. Insured/Beneficiary can inform about the claim i.e. claim intimation, know their claim status and also get all other relevant information by calling on 022 – 4910 7910 or writing an email at mpp.support@universalinsurance.co.in 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.

The Insured may refer http://mpp.universalinsurance.co.in/lumia1020.aspx to view or download for all insurance claims related documents.

This insurance policy is valid only if make and model of the insured equipment is Nokia.

Insurance is subject matter of solicitation.