These terms and conditions cover both the Vodacom Laptop/Portable Devices and the QuickSIM Cover products. These are separate products therefore, please ensure that you make reference to the sections applicable to the products that you purchased as outlined in your policy schedule.
SECTION A (APPLICABLE TO LAPTOP/PORTABLE DEVICE COVER ONLY)
Laptops and Portable Devices: Theft or sudden and unforeseen physical loss of or damage to the equipment used together with the Vodacom Mobile Data Connect Device and SIM card listed on
the attached schedule during the period of insurance from any cause or event not excluded.
Mobile Data Connect Device: If insurance has been selected on this device then the device is covered against sudden and unforeseen physical loss, damage or failure of the device as specified in these terms and conditions from any cause not excluded.
Limits of Indemnity
Laptops and Portable Device: The maximum amount payable in the event of a claim for the Laptop or Portable Device shall be determined in accordance with the prescribed premium bands at the time of inception of contract. Your device will be replaced to the value of the device at the time of loss, theft or damage, or the maximum amount of the sum insured, whichever is the lower.
Mobile Data Connect Device: The maximum amount payable in the event of a claim for the mobile data connect device shall be limited to the value of the device at the time of loss, theft or damage, or the maximum sum insured, whichever is the lower.
Excess payable
Your excess depends on whether your device is repaired or replaced.
| Band | Cover | Excess payable by You: Repair | Excess payable by You: Replace |
|---|---|---|---|
| 0 | R0 - R1 500 | 10% of Repair Cost OR R150 (whichever is higher) | 10% of Replacement Cost OR R150 (whichever is higher) |
| 0.5 | R1 501 - R2 500 | ||
| 1 | R2 501 - R5 000 | 10% of Repair Cost OR R200 (whichever is higher) | 10% of Replacement Cost OR R500 (whichever is higher) |
| 2 | R5 001 - R7 000 | ||
| 3 | R7 001 - R9 000 | ||
| 4 | R9 001 - R12 000 | ||
| 5 | R12 001 - R15 000 | ||
| 6 | R15 001 - R18 000 |
In the event of replacement an additional excess of R300 will apply to any claims occurring within 30 days from date of inception of this insurance contract as reflected on the schedule.
In the event of a second repair claim within 12 months of a previous repair claim an additional R300 will be payable.
Specific conditions
Basis of indemnity: Subject to the limits of indemnity our liability is limited to the cost of repairs or replacement of the Laptop or Portable Device or Mobile Data Connect Device at our sole option, as follows:
Partial damage
Where the equipment can be repaired, we will pay the costs reasonably incurred to restore it to its state of serviceability immediately before the occurrence of the damage. Should such costs exceed 50% of the value of the equipment it will be replaced.
Total loss: Subject to the maximum limit of indemnity less the first amount payable we will replace the equipment at the sole option of the insurer as follows:
We will replace the Laptop or Portable Device or Mobile Data Connect Device with equipment of the same or similar type but not more superior to nor more extensive or expensive than the property insured.
Should the Laptop or Portable Device or Mobile Data Connect Device no longer be available, we will replace it with the nearest functionally equivalent model as established by Cellsure (Pty) ltd, less the first amount payable or
Should the insured wish to replace with a more expensive model, the difference in price and the first amount payable will be for your account.
Change of equipment and increase value: It is your duty to notify us in writing if you change your equipment for whatever reason and if such a change leads to the value of the new equipment exceeding the sum insured as defined.
SECTION B (APPLICABLE TO QUICKSIM COVER ONLY)
If QUICKSIM has been selected on the schedule then the SIM card as defined is covered against sudden and unforeseen physical loss, damage or failure of the SIM card as specified in this certificate from any cause not excluded. Vodacom QuickSIM also covers a maximum of R100 per claim (VAT inclusive) for any unauthorized calls made due to loss, theft or damage.
Limits of indemnity
SIM card: The maximum limit of indemnity payable in respect of the SIM card will be the replacement cost of the SIM card. You are allowed 3 SIM card replacements during a 24 month period. No excess charge on claims.
Specific conditions
Basis of indemnity: Subject to the limits of indemnity our liability is limited to the cost of repairs or replacement of the SIM card at the discretion of the insurer, as follows;
Damage, Loss or Theft
Damaged, lost or stolen SIM cards will be replaced with same or SIMilar type
Should the SIM card no longer be available we will replace it with the nearest functionally equivalent model as established by the insurer
A SIM swop can be done whereby you will retain your MSISDN number.
Data is not retrievable on a lost, stolen or damaged SIM.
Should you wish to replace the SIM card with a more expensive SIM card, the difference in price payable will be for your account.
SECTION C (APPLICABLE TO LAPTOP/ PORTABLE DEVICES AND QUICKSIM PRODCUTS)
General Exceptions
We will not indemnify you against:
Loss or damage resulting from political or non-political riot, strike or civil commotion, public disorder, war, terrorism or public violence or which is insurable by SASRIA (South Africa Special Risks Insurance Association).
Any costs of replacing, reinstating or making good wear and tear, gradual deterioration, scratching or outer casings or keypads.
Loss or damage during the hire or loan of the laptop and/or device to a third party.
Loss of or damage to the laptop and/or device resulting from the theft or any attempt there at from any unoccupied vehicle, unless such vehicle is locked and the laptop and/or device is concealed out of sight and forcible entry into the vehicle is made, necessitating repairs to such vehicle, and the original repairers account for such damage is supplied with the claim.
Loss or damage to batteries, other than when they are stolen or lost together with the laptop and/or device listed on schedule.
Any consequential loss or damage arising from not being able to use the Laptop/Portable Device or SIM card
Any claim arising from abuse, misuse or neglect of the Laptop or Portable Device.
Loss, damage or failure of batteries other than when they are stolen or lost.
Loss or damage to or corruption of data as a result of electronically conveyed viruses or defects in design or manufacture.
Any claim in respect of any additional laptop and/or device or accessories including but not restricted to carrying cases or battery chargers.
Theft, loss or damage while your Laptop or Portable Device is being used with a Mobile Data Connect Device issued by any other network.
Reconstruction of data.
General conditions
Other insurance: If you claim from any other insurance policy for loss, theft or damage of the laptop and/or device or SIM, we shall only be liable for a pro rata portion of the claim excluding the excess payable.
Cancellation of cover
You have 30 days from receipt of your policy document to cancel your policy. You will receive a refund of any premiums already paid unless the insurer has already been notified of a claim.
General: After this initial 30 day cooling off period this policy may be cancelled by you or the insurer giving 30 days notice in writing. Cover is automatically suspended if the mobile data connect device is barred or disconnected by Vodacom.
Multiple claims: In the event that 3 or more claims are lodged against this policy in any 12 month period, we may at our discretion give 30 days' notice of cancellation due to adverse claims experience.
Claims
If the laptop and/or device is lost, stolen or damaged you must report the claim to Cellsure (Pty) ltd as soon as possible after discovery of the loss, and within 30 days of the claim occurring.
Stolen or lost laptop and/or devices must be reported to the South African Police Services and a case number must be obtained and given to Cellsure (Pty) Ltd together with the claim form.
A claim form must be completed and sent to Cellsure (Pty) ltd within 30 days of the claim occurring.
You must give all reasonable assistance in the recovery of the lost or stolen laptop and/or device and identification thereof.
If the insurer has paid your claim in respect of a lost or stolen laptop and/or device, and your laptop and/or device is recovered, the recovered laptop and/or device become the property of the insurer. If you are given a replacement laptop and/or device in respect of a laptop and/or device which is beyond economical repair, the damaged laptop and/or device becomes the property of the insurer.
Vodacom or Cellsure must be in possession of the damaged laptop and/or device to determine whether or not the laptop and/or device is beyond economical repair.
In the event of your claim being the subject of a dispute or is rejected by us you may make representation to us. If you are unsatisfied with the outcome of your claim, you are entitled to approach the Short Term Insurance Ombudsman.
Should you fail to collect a laptop and/or device which has been repaired or replaced within 60 (sixty) days from date of loss or damage, you will forfeit the claim and the laptop and/or device will be sold or returned to stock to defray expenses.
If you are in arrears with your account all outstanding premiums must be paid in order for us to assess a claim
In the event of the laptop and/or device being lost or stolen the laptop and/or device must be blacklisted
How to block your Mobile Data Connect Device
In the event of the Mobile Data Connect Device being stolen or lost you must arrange for the Mobile Data Connect Device to be blocked
Phone Vodacom Customer Care on 082 135.
Contact your nearest Vodacom Dealer.
Failure to comply with claim conditions indicated above above will lead to rejection of your claim.
Fraud
If any claim is in any respect fraudulent, all benefits under this policy shall be forfeited.
No rights to other persons
You may not transfer any rights under this policy to a third party.
Premium payment
As a result of payment having been stopped by you this policy will be cancelled at 16h00 on the due date that the premium was due to be paid.
For any reason other than described in 7.a) above, we will re-debit in the following month and should the outstanding premium not be paid when re-debited, the policy will be cancelled retrospectively.
Duty to safeguard Laptops and Portable Devices or Mobile Data Connect Device
You shall at all times take reasonable steps to safeguard the Laptops and Portable Device or Mobile Data Connect Device from loss, damage or theft.
Misrepresentation, non-disclosure or false declaration
Any material misrepresentation, non disclosure or false declaration shall render the policy as a whole, voidable from date of inception at the instance of the insurer. In such an event,:
You will be liable to reimburse any amounts paid to you under this policy to the insurer; and
The insurer will not be obliged to pay any claim lodged under this policy.
SECTION A (APPLICABLE TO LAPTOP/PORTABLE DEVICE COVER ONLY)
Laptops and Portable Devices: Theft or sudden and unforeseen physical loss of or damage to the equipment used together with the Vodacom Mobile Data Connect Device and SIM card listed on the attached schedule during the period of insurance from any cause or event not excluded.
Mobile Data Connect Device: If insurance has been selected on this device then the device is covered against sudden and unforeseen physical loss, damage or failure of the device as specified in these terms and conditions from any cause not excluded.
Limits of Indemnity
Laptops and Portable Device: The maximum amount payable in the event of a claim for the Laptop or Portable Device shall be determined in accordance with the prescribed premium bands at the time of inception of contract. Your device will be replaced to the value of the device at the time of loss, theft or damage, or the maximum amount of the sum insured, whichever is the lower.
Mobile Data Connect Device: The maximum amount payable in the event of a claim for the mobile data connect device shall be limited to the value of the device at the time of loss, theft or damage, or the maximum sum insured, whichever is the lower.
Excess payable
Total loss, theft or beyond economic repair (as determined by an authorised Vodacom repair centre)
You will pay 10% of the replacement value of the laptop and/or device with a minimum value of R500 for each claim
An additional excess of R300 will apply to any claims occurring within 30 days from date of inception of this insurance contract as reflected on the schedule.
Repairable damage or breakdown
You agree to pay the first 10% of the repair cost subject to a minimum of R200.
In the event of a further claim within 12 months of a previous claim an additional R300 will be payable.
Specific conditions
Basis of indemnity: Subject to the limits of indemnity our liability is limited to the cost of repairs or replacement of the Laptop or Portable Device or Mobile Data Connect Device at our sole option, as follows:
Partial damage
Where the equipment can be repaired, we will pay the costs reasonably incurred to restore it to its state of serviceability immediately before the occurrence of the damage. Should such costs exceed 50% of the value of the equipment it will be replaced.
Total loss: Subject to the maximum limit of indemnity less the first amount payable we will replace the equipment at the sole option of the insurer as follows:
We will replace the Laptop or Portable Device or Mobile Data Connect Device with equipment of the same or similar type but not more superior to nor more extensive or expensive than the property insured.
Should the Laptop or Portable Device or Mobile Data Connect Device no longer be available, we will replace it with the nearest functionally equivalent model as established by Cellsure (Pty) ltd, less the first amount payable or
Should the insured wish to replace with a more expensive model, the difference in price and the first amount payable will be for your account.
Change of equipment and increase value: It is your duty to notify us in writing if you change your equipment for whatever reason and if such a change leads to the value of the new equipment exceeding the sum insured as defined.
SECTION B (APPLICABLE TO QUICKSIM COVER ONLY)
If QUICKSIM has been selected on the schedule then the SIM card as defined is covered against sudden and unforeseen physical loss, damage or failure of the SIM card as specified in this certificate from any cause not excluded. Vodacom QuickSIM also covers a maximum of R100 per claim (VAT inclusive) for any unauthorized calls made due to loss, theft or damage.
Limits of indemnity
SIM card: The maximum limit of indemnity payable in respect of the SIM card will be the replacement cost of the SIM card. You are allowed 3 SIM card replacements during a 24 month period. No excess charge on claims.
Specific conditions
Basis of indemnity: Subject to the limits of indemnity our liability is limited to the cost of repairs or replacement of the SIM card at the discretion of the insurer, as follows;
Damage, Loss or Theft
Damaged, lost or stolen SIM cards will be replaced with same or SIMilar type
Should the SIM card no longer be available we will replace it with the nearest functionally equivalent model as established by the insurer
A SIM swop can be done whereby you will retain your MSISDN number.
Data is not retrievable on a lost, stolen or damaged SIM.
Should you wish to replace the SIM card with a more expensive SIM card, the difference in price payable will be for your account.
SECTION C (APPLICABLE TO LAPTOP/ PORTABLE DEVICES AND QUICKSIM PRODCUTS)
General Exceptions
We will not indemnify you against:
Loss or damage resulting from political or non-political riot, strike or civil commotion, public disorder, war, terrorism or public violence or which is insurable by SASRIA (South Africa Special Risks Insurance Association).
Any costs of replacing, reinstating or making good wear and tear, gradual deterioration, scratching or outer casings or keypads.
Loss or damage during the hire or loan of the laptop and/or device to a third party.
Loss of or damage to the laptop and/or device resulting from the theft or any attempt there at from any unoccupied vehicle, unless such vehicle is locked and the laptop and/or device is concealed out of sight and forcible entry into the vehicle is made, necessitating repairs to such vehicle, and the original repairers account for such damage is supplied with the claim.
Loss or damage to batteries, other than when they are stolen or lost together with the laptop and/or device listed on schedule.
Any consequential loss or damage arising from not being able to use the Laptop/Portable Device or SIM card
Any claim arising from abuse, misuse or neglect of the Laptop or Portable Device.
Loss, damage or failure of batteries other than when they are stolen or lost.
Loss or damage to or corruption of data as a result of electronically conveyed viruses or defects in design or manufacture.
Any claim in respect of any additional laptop and/or device or accessories including but not restricted to carrying cases or battery chargers.
Theft, loss or damage while your Laptop or Portable Device is being used with a Mobile Data Connect Device issued by any other network.
Reconstruction of data.
General conditions
Other insurance: If you claim from any other insurance policy for loss, theft or damage of the laptop and/or device or SIM, we shall only be liable for a pro rata portion of the claim excluding the excess payable.
Cancellation of cover
You have 30 days from receipt of your policy document to cancel your policy. You will receive a refund of any premiums already paid unless the insurer has already been notified of a claim.
General: After this initial 30 day cooling off period this policy may be cancelled by you or the insurer giving 30 days notice in writing. Cover is automatically suspended if the mobile data connect device is barred or disconnected by Vodacom.
Multiple claims: In the event that 3 or more claims are lodged against this policy in any 12 month period, we may at our discretion give 30 days' notice of cancellation due to adverse claims experience.
Claims
If the laptop and/or device is lost, stolen or damaged you must report the claim to Cellsure (Pty) ltd as soon as possible after discovery of the loss, and within 30 days of the claim occurring.
Stolen or lost laptop and/or devices must be reported to the South African Police Services and a case number must be obtained and given to Cellsure (Pty) Ltd together with the claim form.
A claim form must be completed and sent to Cellsure (Pty) ltd within 30 days of the claim occurring.
You must give all reasonable assistance in the recovery of the lost or stolen laptop and/or device and identification thereof.
If the insurer has paid your claim in respect of a lost or stolen laptop and/or device, and your laptop and/or device is recovered, the recovered laptop and/or device become the property of the insurer. If you are given a replacement laptop and/or device in respect of a laptop and/or device which is beyond economical repair, the damaged laptop and/or device becomes the property of the insurer.
Vodacom or Cellsure must be in possession of the damaged laptop and/or device to determine whether or not the laptop and/or device is beyond economical repair.
In the event of your claim being the subject of a dispute or is rejected by us you may make representation to us. If you are unsatisfied with the outcome of your claim, you are entitled to approach the Short Term Insurance Ombudsman.
Should you fail to collect a laptop and/or device which has been repaired or replaced within 60 (sixty) days from date of loss or damage, you will forfeit the claim and the laptop and/or device will be sold or returned to stock to defray expenses.
If you are in arrears with your account all outstanding premiums must be paid in order for us to assess a claim
In the event of the laptop and/or device being lost or stolen the laptop and/or device must be blacklisted
How to block your Mobile Data Connect Device
In the event of the Mobile Data Connect Device being stolen or lost you must arrange for the Mobile Data Connect Device to be blocked
Phone Vodacom Customer Care on 082 135.
Contact your nearest Vodacom Dealer.
Failure to comply with claim conditions indicated above above will lead to rejection of your claim.
Fraud
If any claim is in any respect fraudulent, all benefits under this policy shall be forfeited.
No rights to other persons
You may not transfer any rights under this policy to a third party.
Premium payment
If the premium is not paid on the date that it was due to be paid,
As a result of payment having been stopped by you this policy will be cancelled at 16h00 on the due date that the premium was due to be paid.
For any reason other than described in 7.a) above, we will re-debit in the following month and should the outstanding premium not be paid when re-debited, the policy will be cancelled retrospectively.
Duty to safeguard Laptops and Portable Devices or Mobile Data Connect Device
You shall at all times take reasonable steps to safeguard the Laptops and Portable Device or Mobile Data Connect Device from loss, damage or theft.
Misrepresentation, non-disclosure or false declaration
Any material misrepresentation, non disclosure or false declaration shall render the policy as a whole, voidable from date of inception at the instance of the insurer. In such an event,:
You will be liable to reimburse any amounts paid to you under this policy to the insurer; and
The insurer will not be obliged to pay any claim lodged under this policy.
