SOUTHERN MOBILE - [South Africa]

The cellphone insurance policy offers the following cover:

• Loss or theft (loss from public places is covered).
• Accidental damage.
• Liquid damage.

• Theft from vehicles, unless the vehicle is stolen or hijacked or the cellphone is forcibly removed from the car whilst the driver is present. Theft from unattended vehicles is not covered unless the mobile device is locked in the cubbyhole or boot and forcible entry can be proven.
• Loss of use (the insurers will not be liable for used airtime).
• Unlawful use (the phone may not be lent to other users).
• Accessories and car-kits.
• SIM-cards or connection costs, unless the SIM-card was lost or damaged with the handset and optional SIM cover was selected.
• Wear and tear, gradual deterioration, superficial damage to casings, aerials or keypads.
• Loss or damage to batteries and chargers unless stolen or damaged together with the cellphone.
• Negligence.

• Only the cellphone in the schedule, used together with the cellphone number listed in the schedule that forms part of the application document, is covered. Pinnacle Marketing must be faxed the new details if changed, prior to a claim.  
• 24 Hour Mobility allows you to insure two numbers with your handset and does not limit you to one number. 
• All changes must be sent through to Pinnacle Marketing; this can either be done via fax, email or telephonically.
• Failure to pay premiums will result in cover being suspended without notice.
• Confirmation of collection must be faxed with the schedule. This can be the contract, C.P.D. or an invoice.
• Insurance must be taken on the same day as collection of the mobile device or within 14 days of collection.
• No second-hand phones can be insured on this policy.
• It is your duty to notify us in writing if the value of the mobile device exceeds or decreases the limit of indemnity selected when insuring the cellphone or if any other changes have been made to the original agreement.

• 10 % of claim, minimum R300.00.
• If a claim occurs within 30 days of inception of the policy an additional R350.00 is payable.
• 2nd Loss within 12 months: will be increased to 10% of claim, minimum R750.00.
• 3rd Loss within 12 months: will be increased to 10 % of claim, minimum R1000.00.

• R150.00 is payable.
• If you have a 2nd loss within 12 months this amount increases to R300.00.
  and remains R300.00 for all other losses thereafter.
• When a period of 12 months from date of last claim has elapsed the first amount payable structure will be reset.
• Repairable damage: Should such costs exceed 50% of the value of the cellphone, it will be replaced.

• Premium collection will be by monthly debit order, collected by the nominated underwriting managers.
• You are able to select your preferred debit date.
• Premiums are collected in advance and failure to pay a premium will result in suspension of cover without notice, although a recovery process will still operate in an attempt to recover outstanding premiums and reinstate cover.
• Pro-rata premiums will also be collected in the first debit and this will be calculated according to the number of days on cover. This is a separate debit and has nothing to do with your cellular provider's contract.
• It is your responsibility to make sure that your premium payments are up to date and under no circumstance is it the retailer's or the insurer's responsibility.
• Please check that premiums are being debited from your account.

• By the insurer - 30 days' notice in writing.
• By the customer - 30 days' notice in writing.

• Banking details
• Change of debit date
• Change of user
• Upgrade of handset - change of IMEI number
• Change of cellphone number/s
• Change of postal address