Questions About TalkCover Mobile Phone Insurance
About TalkCover
- Who are talkcover.co.uk?
- Am I safe giving my bank account or credit card details on your website?
- How can I contact you?
- Are you regulated?
- How do I make a complaint?
- Can you answer some further questions?
About TalkCover Mobile Phone Insurance
- Do I need mobile phone insurance?
- My make or model of phone is not listed, can you still insure it?
- What does the mobile phone insurance cover for?
- What are the main exclusions?
- Can any age of phone be covered?
- Can a phone bought on eBay be covered?
- How much does TalkCover mobile phone insurance cost?
- Is there an excess to pay when making a claim?
- Who underwrites TalkCover mobile phone insurance?
- Do I have to sign up for a minimum term (e.g. annual)?
- How soon am I covered by the mobile phone insurance?
- What if I change my phone?
- What is my phone's IMEI number, and how do I find it?
- How can I prevent my phone being stolen?
- How do I make a claim?
- How long does it take to process a claim?
- How do I report my phone stolen or lost?
- How do I get a crime reference number, or a loss reference number?
- Can I cancel my mobile phone insurance policy at any time?
- Can I view the mobile phone insurance policy terms and conditions?
View details of TalkCover mobile phone insurance cover >>.
About TalkCover
Who are talkcover.co.uk?
Talkcover.co.uk is a specialist provider of mobile phone insurance to UK consumers and small businesses. We are dedicated to providing the highest service to it's customers. Wholly developed, owned, and operated by Treacle Ltd, we have been providing mobile phone services to UK consumers since 2003. We are a limited company (Registration number 4730342), VAT registered, and our address is Treacle Ltd, PO Box 49, Cowbridge CF71 7WW.
Treacle Ltd is an appointed representative of SuperCover Plc, 204 Cumberland House, 80 Scrubs lane, London NW10 6RF, underwritten by Fortis Insurance Limited. If you have any further questions please do contact us, and we will be happy to help in any way we can.
Am I safe giving my bank account or credit card details on your website?
Absolutely. We offer the ultimate in card safety and data encryption. TalkCover.co.uk is a Thawte certified 128bit SSL Security site. Your bank account and card details are fully encrypted and processed by SecPay over a secure server. For your maximum security, we do not keep a permanent record of your card details.
How can I contact you?
The quickest method to contact a member of our support team is simply to use the contact form. If you would rather contact us in writing our address is TalkCover, Treacle Ltd, PO Box 49, Cowbridge CF71 7WW.
Are you regulated?
Yes. TalkCover is a trading name of Treacle Ltd, which is an appointed representative of SuperCover Insurance Plc, 204 Cumberland House, 80 Scrubs lane, London NW10 6RF which is authorised and regulated by the Financial Services Authority. SuperCover Insurance Plc's FSA register number is 313806. You can check this on the FSA's Register by visiting the FSA's website http://www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234.
How do I make a complaint?
We pride ourselves on the service we offer, however your right to complain is important to us. Should you wish to complain, please either write to us at SuperCover Insurance Plc, 204 Cumberland House, 80 Scrubs lane, London NW10 6RF, or telephone us on 0871 222 1130. We will do our best to resolve your complaint as quickly as possible .If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.
Can you answer some further questions?
Sure, we'll be happy to answer any questions that you have. Contact us here.
About TalkCover Mobile Phone Insurance
Do I need mobile phone insurance?
Over 6 million mobile phones in the UK are lost, stolen, and damaged each year. Replacing a phone can cost hundreds of pounds even for basic phones, because mobile phones are heavily subsidised when your first purchase them. This subsidy is not available to you when it comes to replacing a lost, stolen, or broken phone.
If you have a mobile phone and it is not covered by insurance, then you need insurance. If you have a mobile phone and it is does have insurance that it not as comprehensive as our insurance and does not meet your needs, then you need this insurance. If your household insurance does not cover mobile phones (you should check this), or does not have sufficient cover for your mobile and your needs, then you need our insurance.
My make or model of phone is not listed, can you still insure it??
Most likely yes. Simply contact us here with your make and model of phone, and if it is a currently available phone we will add it to our list very quickly. We'll then email you to tell you that you may have an instant quote.
What does the mobile phone insurance cover for?
Loss, theft (including unattended theft from a secure vehicle or secure premises), extended warranty (up to 5 years), cost of fraudulent calls (up to £100), accidental damage, water damage, international cover, with claims handling within 48 hours. Covers both PAYG and Contract phones.
What are the main exclusions?
Deliberate damage, and failing to report the loss or theft to the appropriate authorities (see making a claim).
Can any age of phone be covered?
No. The phone must be equal to or less than 6 months old when the policy is first taken out.
Can a phone bought on eBay be covered?
No. We cannot insure any phone that was bought on eBay or any other online auction site.
How much does TalkCover mobile phone insurance cost?
Why not have an instant quote? We have 12 mobile phone insurance policies, the instant mobile phone insurance quote will show you which is the cheapest plan available for your model of phone or phones. All policies have the same comprehensive mobile phone insurance cover.
Small business mobile phone insurance is also available.
Paying for an annual consumer policy in advance allows you to receive 12 months cover for the price of 9!
Is there an excess to pay when making a claim?
Yes. For an Apple iPhone it is the first £50 for each theft or accidental damage claim, or the first £75 of each loss claim. For any other mobile phone it is the first £25 of each theft or accidental damage claim, or the first £50 of each loss claim. For any claim on any mobile phone or Apple iPhone made outside the UK, Isle of Man and Channel Islands it is £75.
Who underwrites TalkCover mobile phone insurance?
All TalkCover mobile phones insurance policies are underwritten by Fortis Insurance Limited.
Do I have to sign up for a minimum term (e.g. annual)?
No, if you choose to pay by Direct Debit then you can pay for the mobile phone insurance monthly, and cancel your policy at any time you wish. Should you choose to pay annually by credit or debit card however, we offer you 12 months for the price of 9 on an annual policy!
How soon am I covered by the mobile phone insurance?
The instant you complete the order process, we will automatically email you with a provisional policy number, and your phone is covered.
What if I change my phone?
We can simply transfer the new phone onto the policy, contact us with the make, model, and IMEI number of the new phone immediately. You must do this, if you do not it will invalidate your policy. Depending upon the replacement cost of the new phone there may be a change in premium, either an increase or a decrease.
What is my phone's IMEI number, and how do I find it?
The IMEI number is the International Mobile Equipment Identifier, a 15 digit number that uniquely identifies your phone. Simply press *#06# (
) on your phone's keypad and a long number will be displayed on the screen of the phone. The IMEI number we require is the first 15 digits of this number (ignore any "/" or "-" characters).
Alternatively you will find it on a label on the back of your phone, underneath the battery showing the same number (ignore any "/" or "-" characters).
How can I prevent my phone being stolen?
The Police offer the following advice. Always keep your mobile phone out of sight, in your pocket or a closed handbag when in a public place. Avoid using your phone in Parks or isolated dark areas. Never leave your phone unattended and in view, especially in your car. Property marking of your phone and SIM locking of your phone are also useful measures in the fight against theft.
How long does it take to process a claim?
We guarantee to process all completed claims within 48 hrs. You can view the claims procedure.
How do I report my phone stolen or lost?
First report the matter to your mobile phone network. They will blacklist the phone to prevent its unauthorised use. Then report the matter to the local police. They will issue you with a crime reference number if you have been the victim of a theft, or a loss reference number if you have lost your phone.
How do I get a crime reference number, or a loss reference number?
Report the theft or loss to the local police. They will issue you with a crime reference number if you have been the victim of a theft, or a loss reference number if you have lost your phone.
Can I cancel my mobile phone insurance policy at any time?
Yes. The policy can be cancelled within 14 days of you receiving your insurance confirmation, thereafter 1 months notice is required. Write to us at TalkCover, Treacle Ltd, 62 High Street, Cowbridge CF71 7AH. Please include your name, date of birth, address and policy number so that we may comply with the Data Protection Act.
Can I view the mobile phone insurance policy terms and conditions?
The terms and conditions are available here.