Eligibility and overview of cover
As an HSBC Insurance Aspects holder your mobile phone is covered against loss, theft or accidental damage up to a claim limit of £1,000 less a £50 excess.
Details of the benefits and exclusions are below, we recommend you review your policy details in full, which are available here.
Benefits:
- Worldwide coverage
- Theft, loss and accidental damage cover
- Unauthorised use cover if your phone is lost or stolen
- If required, a temporary phone with basic call/sms messaging can be provided while your phone is being repaired
- For loss or theft claims your mobile phone will be replaced where possible with an identical model or alternatively a similar specification up to the value of £1,000
Exclusions and conditions:
- The policy has an excess of £50 per claim, subject to two claims per policy year per HSBC Insurance Aspects holder
- Customers will be asked for proof of purchase or ownership when making a claim
- Theft from an occupied or secured building unless the property was entered unlawfully
- Theft of a mobile phone while it was knowingly left on display
- Theft of a mobile phone while it was knowingly left on display in an unlocked motor vehicle
- Damage that does not stop the phone from working normally
- The cost of replacing or reinstating data
- Claims for theft will need to be supported by a crime reference report or number
- We will not provide a temporary phone whilst you are abroad