Key Exclusions & Conditions

It is important to understand the cover you are about to purchase so please do refer to the full terms and conditions of cover to ensure that this product is suitable for your device.

Your device must be less than thirty six months old at policy inception and supported with a valid proof of purchase from a UK VAT registered company. Please be aware that your claim will be invalidated if the age of the device exceeds the age limit at the time of policy inception and/or you are unable to provide proof of purchase

this cover provides unlimited replacements and repairs per device during each 12 month calendar period of your policy
details of any replacement of the device (IMEI/serial number) must be advised to us with proof of purchase in writing or by e-mail to us (support@loveitcoverit.ie)
the device age must be less than thirty six months old at policy inception and supported with a valid proof of purchase from a UK/Eire VAT registered company who also provide a 12-month warranty
second hand or used devices cannot be covered under this policy, unless such have been purchased either directly from the manufacturer or from a UK VAT registered company
cover under this policy is subject to the payment of the premium by direct debit, credit card or PayPal and premiums being up to date other than during the cooling off period
you must be at least 18 years of age at the time of policy inception and a Republic of Ireland resident
any claim which would be covered under any other device insurance policy
if we replace your device the damaged item becomes ours. If it is returned or found you must notify us and send it to us if we ask you to
all other costs are specifically excluded that are directly or indirectly caused by the event which led to your claim unless specifically stated in this policy unless relating to airtime abuse for your device up to a maximum of €10,000

What is not covered

Applying to all sections of the policy, we will not pay for;

any large scale manufacturer defect
any claim where the Insured event occurs outside of the period of insurance
any new claim for the device if there is already an ongoing claim which has not been finalised due to any outstanding referrals and/or is awaiting validation proof that has not yet been supplied
the policy excess
any claim where all reasonable precautions have not been taken
any claim notified where pre-existing damage is evident and occurred prior to the inception of your policy
any claim where the circumstances cannot be clearly identified i.e. where you are unable to confirm the date and time of the occurrence
Any claim for theft of your device when stolen from a motor vehicle unless the device is out of view in either an enclosed compartment, boot or luggage space and the vehicles windows and doors are closed and locked and all security systems are activated. In the event of theft of your device from a vehicle we will require sight of a repair invoice in relation to any damage caused to the vehicle which must be supplied with your claim
any claim where proof of usage cannot be provided or evidenced and must show the IMEI of the device
on cover
the cost of replacing any stored data or information including but not limited to tunes, songs, personalised ring tones, pictures, films, graphics, downloaded material or software whether arising as a result of a claim paid by this Insurance or otherwise
theft or loss of the device where you have not notified your network provider and blacklisted it within 24 hours of discovery of loss or theft
theft or loss of the device left unattended when it is away from your home
Any loss or accidental damage where your device is not fitted with an active functioning SIM or where your network provider cannot verify the device has been in in active use since the inception of the policy and up to the event giving rise to the claim
theft or loss of the device not reported to the police and/or Report My Loss within 48 hours and where you have not obtained valid crime reference number/reference
any claim presented under loss as an alternative to an unsuccessful theft claim
repairs carried out by third party repair centres not authorised or agreed for use by us
correction of devices where inadequate repairs have been carried out by third party repair centres
cosmetic damage that does not affect the functionality or operation of your device
any amount recoverable under any guarantee warranty or other insurance
Gradual deterioration, mechanical or electrical breakdown of the device or an internal cause affecting the smooth running or functionality of the device damage or loss of functionality caused by software viruses
Loss of use or any other related or connected loss the Insured may incur as a result of Loss, Theft or Accidental Damage to the device
Accidental Damage to the device caused by the Insured deliberately neglecting it
Loss, destruction or damage contributed to or arising from riots, strikes, civil commotion or any act of terrorism
Any process of heating, drying, cleaning, dyeing, alterations or repair to which the device is subjected to, and any damage caused by solar irradiation
We will not provide cover, pay any claim or provide any benefit if doing so would expose us to any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union, United Kingdom or United States of America.

Frequently asked questions

For policies prior to 1st February 2023

This insurance is arranged by AGS Pier GmbH, with a registered office at Hohe Bleichen 8, 20354 Hamburg, Germany. AGS Pier GmbH is a Registered Intermediary, an insurance agent with authorisation according to § 34 d para. 1 GewO (German Trade Regulation) with registration number: D-DWGU-041S5-44.

This policy is underwritten by Inter Partner Assistance SA (IPA) which is fully owned by the AXA Partners Group.

For new policies and renewals after 1st February 2023

This insurance is arranged by AGS Pier GmbH, with a registered office at Hohe Bleichen 8, 20354 Hamburg, Germany. AGS Pier GmbH is a Registered Intermediary, an insurance agent with authorisation according to § 34 d para. 1 GewO (German Trade Regulation) with registration number: D-DWGU-041S5-44.

This policy is underwritten by Collinson Insurance Europe Limited, regulated and authorised by the Malta Financial Services Authority, with a registration number C8997 and registered office at Third Floor, Development House, St. Anne Street, Floriana, FRN 9010, Malta.

Your policy is administered by AGS Pier GmbH (UK Branch).

We understand the inconvenience that being without a phone or tablet can cause, which is why we endeavour to have a replacement device in your hands within 48 hours of us approving your claim.

Once we've agreed your claim, we'll endeavour to replace your device with the same make, model and colour. We'll then send it to you as quickly as possible. If your device isn't manufactured anymore, we will provide the nearest comparable model.

loveit coverit is an established company within the gadget insurance sector. We are a specialist insurance provider with 3 decades of experience under our belts. You can trust in our brand and our mobile phone and tablet insurance policies. As part of AGS Pier GmbH and the parent company, Pier Insurance Managed Services Ltd, the company is fully authorised and regulated.