With the Instant Cover, you are covered as soon as the online payment transaction of the first 3 months premium goes through. With the Delayed Cover, you are not covered until the first Direct Debit payment for the first 3 months premium is paid.

You will receive your policy details with your Direct Debit confirmation paperwork. Because the banks take some time to set up your Direct Debit, it can take some time for them to confirm the set-up of your Direct Debit. This can usually takes 3-4 weeks. So long as you put your correct email address in when you order, you will receive email confirmation for your policy order instantly.

Because commercial vehicles (such as builders vans etc) can have a large number of items stored in them and potentially stolen, we cannot insure the item in any commercial vehicle. 'Commercial vehicle' means a work vehicle.

This insurance only covers an electronic item bought and used in the UK, the Isle of Man and the Channel Islands. Cover is extended to include use of the electronic item anywhere in the world up to a maximum of 60 days in total, in any single 12 month period, subject to any repairs being carried out in the UK by repairers approved by us.

We replace with a like-for-like product - (ie the same) - or as near as possible at the time of replacement, if by the time of the claim your model is no longer available.

You need to have a receipt or invoice showing how you got it. If it came with a contract, the documentation should show this. If it is an item that came free with another contract item (eg a contract mobile phone) then you will have paperwork showing the connection between the item and the contract item.

Insurance Premium Tax (IPT) is a tax on general insurance premiums. There are two rates:

1. A standard rate of 5 per cent
2. A higher rate of 17.5 per cent for travel insurance and some insurance for vehicles and domestic/electrical appliances Most long-term insurance is exempted from the tax, as is reinsurance, insurance for commercial ships and aircraft and insurance for commercial goods in international transit. Premiums for risks located outside the UK are also exempt, but they may be liable to similar taxes imposed by other countries.

Note: IPT is included in the premium quoted so you don't have to worry about it being an extra charge