My Essentials policy terms & conditions

• Gadget, mobile phone and personal possessions
• Gadget, mobile phone, personal possessions and protection insurance

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• Accessories

  
  Item(s) which are attached to or communicating with the insured item.
  
  

• Accommodation

  
  Hotel accommodation including breakfast, the reservation for which has been arranged by Affinion.
  
  

• Advance(s)

  
  A payment made by Affinion under Section 2 Part A "Advances".
  
  

• Agreement

  
  Your welcome letter and these My Essentials Terms and Conditions.
  
  

• Affinion

  
  International Limited, registered in England number 1008797. Registered office:
  Charter Court,
  50 Windsor Road,
  Slough,
  Berkshire,
  SL1 2EJ
  United Kingdom.
  Affinion International Limited is authorised and regulated by the Financial Services Authority (FSA)
  in respect of insurance mediation activities only. Their FSA registered number is 311584.
  Affinion International Limited acts as an intermediary for arranging the insurance and provides the administration of the services.
  
  

• American Express

  
  American Express Insurance Services Europe Limited, registered in England and Wales Company Number 05048826, registered office:
  76 Buckingham Palace Road,
  London
  SW1W 9AX
  American Express Insurance Services Europe Limited is authorised and regulated by the Financial Services Authority, registration no. 311684.
  
  

• Bank

  
  The bank, building society or post office where your funds are deposited.
  
  

• Commercial vehicle

  
  Any vehicle used wholly or partly for commercial or business purposes or any other vehicle which, at the time of incident, is being used for commercial or business purposes.
  
  

• Communication costs

  
  The costs which a member necessarily incurs and has to pay in respect of telephone calls, faxes or similar types of communication in relation to an incident or retrieval of lost of stolen luggage or keys.
  
  

• Deferred period

  
  In respect of gadgets and personal possessions, the period of 14 days from the commencement of your agreement as stated on your welcome letter. Please note that the relevant insured items are not covered under the policy during the deferred period.
  
  

• Fee(s)

  
  The amount payable by you for your My Essentials membership as set out in your welcome letter.
  
  

• Gadgets

  
  An electronic piece of equipment designed by the manufacturer to be portable with its own internal power source which can be used in or away from the home.
  
  

• Home

  
  The registered address supplied by you as your permanent place of residence within the territorial limits.
  
  

• Home office

  
  An area located within the boundaries of your home, specifically designated as your day to day place of work.
  
  

• Identity document

  
  Any document which may be used to confirm the identity of you or a secondary member e.g. a driving licence or a passport.
  
  

• Incident(s)

  
  An event or series of connected events, which result in the accidental damage, loss or theft of your insured item(s), your registered cards, locks or keys. For Section 2 Part D Theft of your personal possession(s) leaving you without financial means to get you home or to enable you to complete your journey.
  
  

• Insured item(s)

  
  Mobile phone, gadget(s) and/or personal possessions as listed under Section 2 Part C and owned by you or members of your resident family.
  
  

• Insurer

  
  Allianz Insurance plc registered in England number 84638. Registered office: 57 Ladymead, Guildford, Surrey, GU1 1DB, United Kingdom. Branch address: Allianz Insurance plc, PO Box 589, Great West House (GW2), Great West Road, Brentford, TW8 1AH, United Kingdom. (ACS12562-1 03.10). Allianz Insurance plc is authorised and regulated by the Financial Services Authority (FSA). Their authorisation can be confirmed by the FSA by calling 0845 606 1234 or this can be checked by visiting the FSA website at www.fsa.gov.uk. Their FSA registration number is 121849.
  
  

• Key(s)

  
  A device manufactured to open a specific lock, including electronic immobilisers.
  
  

• Lock(s)

  
  Permanently fitted or built in, key-operated, security devices to external doors, garage doors and safes located within your home or home office. This also includes doors, immobilisers and/or alarms fitted to your vehicle.
  
  

• Members

  
  You and/or a secondary member.
  
  

• Mobile phone

  
  Your mobile telephone or a mobile telephone owned by a member of your resident family.
  
  

• My Essentials

  
  My Essentials is a trademark of American Express registered (or to be registered) in the European Union.
  
  

• Period

  
  The period during which you are entitled to the benefits under the agreement which commences on the start date listed in your welcome letter and continues indefinitely until your agreement is cancelled in accordance with the provisions on page 19 – Termination of Cover.
  
  

• Personal Money

  
  Cash owned by and used solely for a member's personal use.
  
  

• Personal possession

  
  An item owned by you or a member of your resident family which could be carried on or about the person in or away from the home.
  
  

• Policy

  
  The contents of Section 2 of these Terms and Conditions which includes the insurance elements of My Essentials underwritten by the Insurer.
  
  

• Price

  
  The amount you paid for the insured item(s) at the date of purchase excluding any credit charges, delivery charges, interest charges or insurance costs.
  
  

• Resident family

  
  Your partner, spouse or any member of your family who lives with you at your home.
  
  

• Schedule of registered items

  
  The schedule attaching to this policy which sets out the registered insured item(s) and registered cards.
  
  

• Secondary member

  
  Your partner, spouse or any member of your family who permanently resides with you at your home and whom you have registered with Affinion.
  
  

• Services

  
  The services provided by Affinion under your agreement as set out in section 2 of these Terms and Conditions.
  
  

• SIM Card

  
  Subscriber Identity Module Card – the card carrying your subscriber identity, the use of which, in conjunction with the mobile phone, enables services to be charged to your mobile phone account.
  
  

• Smartphone

  
  A mobile phone with enhanced capabilities including but not limited to web browsing.
  
  

• Start date

  
  The date when your agreement starts as defined in your welcome letter.
  
  

• Tag(s)

  
  A luggage and/or key fob with a unique identification number provided by Affinion.
  
  

• Taxi

  
  A licensed public or private hire vehicle the reservation for which has been arranged by Affinion.
  
  

• Territorial limits

  
  England, Scotland, Wales, Northern Ireland, and Isle of Man.
  
  

• Trial period

  
  The period of time confirmed in your welcome letter, if any, as your trial period.
  
  

• Unauthorised calls

  
  Unauthorised calls, messages and downloads made from the insured mobile phone after being lost or stolen and whilst not barred by the airtime provider.
  
  

• Vehicles(s)

  
  A legal and roadworthy, private motor car(s), motor bike(s), motor home and/or domestic towed caravan or trailer and registered in a member’s name at your permanent home address or details of which are registered with Affinion.
  
  

• We, us, our

  
  Affinion who administers the insurance and provides the services under this agreement.
  
  

• Welcome letter

  
  The welcome letter containing important details including your fee and the start date of your agreement.
  
  

• You, your

  
  The person named on the welcome letter who has purchased this agreement.