Stephen Ogieriakhi

25 Heywood Old Road

Manchester Date 21 August 2021
M24 4QS Amazon Order No. 206-7529176-1675555
Great Britain Policy No. AMZ61230-87227

Hello Stephen Ogieriakhi,

Thanks for choosing Protectyourbubble.com by Assurant.

Your Schedule of Insurance, Insurance Product Information Document, Terms and Conditions and Invoice are
below. These detail what is and isn’t covered by your insurance. Please read these documents carefully and keep them
somewhere safe, as you may need to produce them when making a claim.
For items ordered prior to release, please contact us upon delivery, so we can amend your policy start date to be in line
with the actual delivery date of your product.
This insurance is underwritten by London General Insurance Company Limited (Company number 1865673) whose
registered office address is TWENTY Kingston Road, Staines-upon-Thames, Surrey TW18 4LG, United Kingdom.
London General Insurance Company Limited is authorised by the Prudential Regulation Authority and regulated by the
Financial Conduct Authority and the Prudential Regulation Authority. Further details can be found on the Financial
Services Register at www.fca.org.uk under firm reference number 202689.
Should you have any queries please call us on 0303 313 0002 or e-mail us at enquiries@techprotection.co.uk.
Regards,

The Protectyourbubble.com by Assurant Team

Schedule of Insurance

PRODUCT COVERED PRODUCT PURCHASE DATE

3-year Accidental damage insurance for an AUDIO SYSTEM from £10 to 21/08/2021
£19.99

COVER TYPE START DATE* END DATE** CLAIM EXCESS

Accidental Damage Cover 21/08/2021 20/08/2024 £0.00

COVER TYPE START DATE* END DATE** CLAIM EXCESS

Breakdown Cover 21/08/2022 20/08/2024 £0.00

PREMIUM PAID
£2.49 inclusive of Insurance Premium Tax of £0.41

*To allow for the delivery of products covered under your Protectyourbubble.com by Assurant policy, 15 days will
automatically be added to the end date stated above. This ensures you receive the full term of the coverage you
purchased. If it takes longer than 15 days for you to receive your covered product from the day you purchased it,
please contact us.

** This Policy may terminate earlier than this date in certain circumstances, please refer to the “Duration of this Policy”
section of the policy terms and conditions for further information.

E000004 ENG
 Accidental Damage and Breakdown Insurance
Insurance Product Information Document
Company: London General Insurance Company Limited (LGI)
Authorised in the United Kingdom by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation
Authority. Financial Services Register number 202689.

Product: Accidental Damage and Breakdown Insurance

This document provides a summary of the key information. Complete pre-contractual and contractual information is provided in other documents.

What is this type of insurance?

Accidental damage and breakdown insurance for a product purchased. This policy covers the repair or replacement in the circumstances summarised below.

What is insured? What is not insured?

Cover for your product for: Theft and Loss
Accidental damage Cosmetic damage
Breakdown (not covered by manufacturers warranty) Intentional or malicious damage
The maximum amount this policy provides cover for is the original Damage or breakdown as a result of improper use or not taking
purchase price of your product reasonable care of your product
Accessories not included with the product when purchased
How we settle your claim
These and all other exclusions can be found in the section “What you are not
We will either repair or replace your product covered for” in the terms and conditions
No excess charges to pay
If your product requires professional installation (e.g. electrical wiring,
plumbing, gas fitting) we will reimburse these costs up to £50
Are there any restrictions on cover?
This insurance covers a single product purchased as new (and covered
by a manufacturer guarantee of at least one year) or Amazon Renewed
Product needs to have been purchased within 30 days before taking
out insurance
Where we are able to repair your product we will only provide up to 3
repairs in any 12 month period
You must be a resident of the UK (which excludes Channel Islands and
Isle of Man) and 18 years or older to purchase this insurance

Where am I covered?
Worldwide

What are my obligations?

• Let us know as soon as possible if you need to make a claim
• Inform us if you give or sell the product to someone else and wish to transfer the policy ownership
• You may need to send us proof of purchase/ownership of the product before we will settle your claim
• When applying for or varying the policy or submitting a claim, you or anyone acting on your behalf must take reasonable care to answer all questions honestly and
to the best of your knowledge. Failure to do so may affect the validity of your policy or the payment of your claim

£ When and how do I pay?

£ By making a one off-payment when purchasing this policy through the Amazon website

When does the cover start and end?

Cover under this policy will begin from the date shown on your schedule of insurance. Breakdown cover commences immediately after the manufacturer’s warranty runs out
Cover under this policy expires on the earliest of:
• The expiry date as shown on your schedule of insurance; or
• The date where we have repaired your product for the third time in any 12 month period; or
• The date you receive a replacement product or a settlement following an accidental damage or breakdown claim; or
• The date from which you inform us you want to cancel your policy; or
• The date we inform you we are cancelling your policy (please see the section ‘Cancelling your insurance’ in the full terms and conditions)

How do I cancel the contract?

By visiting ‘Your Orders’ within your Amazon account, locate the policy order and follow the process for a ‘Return Request’.
You can cancel your policy within 45 days of the later date of:
• The date of purchase of your policy, or
• The date on which you receive your policy documentation
If you wish to cancel during this period you will be given a full refund of the premium paid providing no claim has been made.
Following the expiry of your 45 days cooling-off period you continue to have the right to cancel your policy. If you do so, you will be entitled to a proportional refund based
on the number of full unexpired days of cover remaining providing no claim has been made.
101487 0719 FV1.8

For policies cancelled after a claim has been made, the cost of settling the claim will be deducted from any refund due.
Should you wish to cancel your policy, please email us at: cancellation@techprotection.co.uk, call us on 0303 313 0002, or write to us at Protectyourbubble.com by Assurant,
Vantage Point Business Village, Mitcheldean, GL17 0DD, United Kingdom.
We extend the full refund period in line with any Amazon Extended Christmas Return Policy that is active at the time this cover is purchased.
 Accidental Damage & Breakdown
Insurance Policy Document

This is your insurance policy for accidental damage & breakdown. Protectyourbubble.com by Assurant is a trading name of London
General Insurance Company Limited (LGI). In this document you will find everything you need to know about your cover. Please read
this carefully to make sure this policy is right for you and if you have any questions call us on 0303 313 00 02. This policy constitutes
an agreement between you and the insurer, London General Insurance Company Limited. The insurer has appointed TWG Services
Limited (TWGS) to administer the policy. References to ‘we/us/our’ relates to London General Insurance Company Limited and TWG
Services Limited.

Proof of ownership
We will need to validate any claims by checking that the product belongs to you, to do this you may need to provide some form of
proof of ownership to show the product is yours. This could be a receipt, invoice, sales delivery confirmation, etc. For Amazon orders
a record of your purchase history can be found on Amazon under “My Account”. If you don’t have any proof of ownership we may
decline your claim.

Who is this cover designed for?

This insurance cover is designed for a new or Amazon Renewed product that is not already covered under an insurance policy, and
you want to cover the cost of repairing or replacing your product against accidental damage and breakdown not covered by the
manufacturer warranty.

Eligibility
You are eligible for this cover if:
• You are a UK resident (excluding Channel Islands and Isle of Man).
• You are over the age of 18.
• You have purchased the product within 30 days before taking out this insurance policy

What you are covered for

This policy covers a single product purchased either as new (and covered by a manufacturers guarantee of at least one year) or
Amazon Renewed. This policy must be purchased within 30 days of the purchase of the product being insured and does not cover
refurbished (with the exception of Amazon Renewed), used or second hand items (subject to the provisions dealing with transfer in
the section ‘Transfer of Policy’).

Your product is covered for: If your product is damaged or breaks down we will either repair or replace it. The decision to
• Damage repair or replace will be at our sole discretion.
• Breakdown
occurring anywhere in the world If you are unable to provide the damaged or faulty product to support your damage or
breakdown claim then this will be classified as being lost and will not be covered on this policy.

Replacements
In the event we choose to provide a replacement product you will be given the choice of either:
a) We will provide you with a product of the same or comparable brand, of equivalent technical
specification (as determined by us) where available and sold as new by Amazon via
amazon.co.uk on the day of requesting a settlement, with a value not exceeding the original
purchase price of your product. Your replacement product will be new and will be provided
with a new guarantee; or
b) An Amazon Gift Card claim code (or alternative selected by us) to the value of a
replacement product (see (a) above). If such a product is not available, we will determine
the Gift Card claim code value by considering the current retail market price of an identical
or equivalent specification product.

Whether you select (a) or (b) your policy will end. For a large product (such as heavy kitchen
appliances and large screen TVs), if you choose (a) we will arrange for your broken product
to be collected when your replacement product is delivered, however if you choose (b) you
become responsible for disposing of your broken product.
Any products which are replaced will become our property should we request for the device to
be returned to us.
101486 0321 FV2.4

1
What you are not covered for

Damage or breakdown as a We expect that you will take care of your product, if you don’t, then we may decline your claim.
result of improper use or not
taking reasonable care of Taking care of your product means –
your product • Following manufacturer instructions on the use of your product
• Not using your product in an environment which could materially increase the risk of damage
to it (e.g. taking a non-waterproof product with you whilst swimming)
• Intentionally damaging your product

Improper use of your product is where the product has been designed for use in a household
environment and is being used in a business or commercial environment.
These examples increase the risk of it being damaged and may result in your claim being
declined. The examples are to help you understand what’s covered, and are not the only reasons
a claim could be rejected.

We will always take into account the situation when the accidental damage occurred when
assessing your claim

Loss or Theft This policy does not cover loss or theft of your product.

More than 3 repairs in a 12 Where we are able to repair your product we will only provide up to 3 repairs in any 12 month
month period period.

For example if we repair your product on the 1st January and again on 1st May in the same year
if we need to repair your product before the 1st January of the following year then this policy will
end immediately after we have repaired it for the third time.

Cosmetic damage If it is just a scratch or dent, and your product still works as expected, then we will not repair or
replace it.

Accessories Cover is not provided for any accessories which were not included with the product when
purchased.

Contents of your product We don’t cover the contents of your product (e.g. photos, videos, contacts). This also means that
if any of the data or information stored on your product is used to access any existing accounts
or open new accounts through fraud, we do not cover any financial losses as a result. For large
items containing food or other perishables (e.g. fridge or freezers), any contents are not covered.

Consumables i.e. items We will not provide cover where the breakdown can be fixed by you replacing consumable
replaceable by you items. This includes, but is not limited to, items such as fuses, light bulbs, filters and batteries.

Other losses We don’t cover any cost or losses that cannot be resolved by the repair or replacement of your
product including for example: any loss of profit, opportunity, goodwill, loss of use of subscription
services or similar losses.

Unauthorised repairs We want the ability to assess the damage to your product in order to best decide whether to
repair or replace it. If you have it repaired without our opportunity to do this then we may not pay
your claim.

This also includes any repair or modification which has not been authorised by the manufacturer.

Viruses and software Breakdown due to malicious software, software faults or updates are not covered.

Manufacturer recall This policy does not cover any faults which relate to a manufacturer recall of your product, or
any costs covered under the manufacturer guarantee.
101486 0321 FV2.4

2
How to make a claim

Step One: Contact us by email at: claims@techprotection.co.uk, call us on 0303 313 00 02 between 9am
and 6pm Monday to Friday, or write to us at Protectyourbubble.com by Assurant, Vantage Point
Business Village, Mitcheldean, GL17 0DD, United Kingdom.

Step Two: We will arrange for your product to be examined. In some instances a repair technician will visit
your home, however for smaller items we will arrange a courier or provide you with pre-paid
packaging to send the product to our approved repairer. We will advise you at the point you
make a claim which process we will follow.

For damage occurring outside the UK

Call us first for authorisation for a local repair by a manufacturer-approved repairer, if there are no manufacturer approved repairers
you will have to wait to return to the UK to proceed with your claim. We will agree a maximum repair cost and will reimburse you upon
receipt of an official invoice or confirmation of payment. Alternatively, if it can wait, we can process your claim when you return.

We will always do our best to make sure that you are satisfied with the outcome of the claim, however if you are not, please follow the
complaints process in the “Making an enquiry or complaints” section.

Price of your insurance

The price of this insurance depends on the type and value of the product being insured, and is payable when you purchase the
cover. The exact amount will be confirmed at the point of purchase.

Duration of this Policy

Your policy starts from the date shown on your schedule of insurance and end on the earliest of;
• the expiry date shown on your schedule of insurance; or
• the date you receive a replacement product or a settlement following a breakdown or accidental damage claim; or
• the date where we have repaired your product for the third time in any 12 month period; or
• the date from which you inform us you want us to cancel your policy.

Changing your details

If you need to update the details we have for you then please email us at: enquiries@techprotection.co.uk or call us on 0303 313 00
02, or write to us at Protectyourbubble.com by Assurant, Vantage Point Business Village, Mitcheldean, GL17 0DD. Any change of
information will be made free of charge.

Transfer of Policy
If you sell or give the product to someone else then please email us at: enquiries@techprotection.co.uk or call us on 0303 313 00
02, or write to us at Protectyourbubble.com by Assurant, Vantage Point Business Village, Mitcheldean, GL17 0DD. You will need to
provide the recipient of your product with a copy of the original Amazon online purchase documentation of the product (or details of
any replacement provided by us) as this will be required in order to make a claim under this policy. Any transfer of policy will be made
free of charge. This policy cannot be transferred to anyone under 18 or living outside the UK.

Providing accurate information and fraud

In order to provide fair value for our customers we work closely and share data with other insurers, law enforcement agencies, fraud
prevention agencies and public bodies to identify fraud and support prosecution where appropriate evidence exists.

It is important that when applying for insurance, or submitting a claim you or anyone acting on your behalf must take reasonable
care to answer all questions honestly and to the best of your knowledge. Failure to do so may affect the validity of your policy or the
fulfilment of your claim.

If false or inaccurate information is provided and fraud is identified then we will:

• Reject the claim and we may cancel your policy.
• Report you to relevant authorities and take legal action, if necessary, to recover any money already paid to you under this
insurance policy.
• Share details of the fraudulent claim with a number of industry wide fraud prevention databases. A list of participants and the
name and address of the operators are available on request.
• Pass details to fraud prevention agencies.
• Provide law enforcement agencies with access to use this information.
101486 0321 FV2.4

3
We and other organisations may also access and use this information to prevent fraud and money laundering, for example, when:
• Checking details on applications for credit and credit related accounts or facilities.
• To prevent and detect fraud.
• Managing credit and credit related accounts or facilities.
• Checking details on proposals and claims for all types of insurance.
• Checking details of job applicants and employees.

The information recorded by fraud prevention agencies may be stored in other countries and used by the Insurer and other
organisations from these countries. Please contact us at 0303 313 00 02 for details of the relevant fraud prevention agencies.

Financial Services Compensation Scheme

London General Insurance Company Limited is covered by the Financial Services Compensation Scheme (FSCS). You may be
entitled to compensation from the scheme if they cannot meet their liabilities to you. General insurance contracts are covered for 90%
of the entire claim with no upper limit. Further information is available from the FSCS by calling 0800 678 1100 and online at
fscs.org.uk

Choice of law
The law of England and Wales applies to this policy and you can bring legal proceedings in respect of the policy in the English
courts. If you live in Scotland you can bring legal proceedings in respect of the policy in either the Scottish or the English courts.
If you live in Northern Ireland you can bring legal proceedings in respect of the products in either the Northern Irish or the English
courts. This policy is written in English and all communication with you will be in English.

Cancelling your insurance

You can cancel your policy within 45 days of the later date of:
(i) the date of purchase of your policy, or
(ii) the date on which you receive your policy documentation. If you wish to cancel during this period and you have not made a claim
you will be given a full refund of the premium paid.

Following the expiry of your 45 days cooling-off period you continue to have the right to cancel this policy. If you do so, you will be
entitled to a proportional refund based on the number of full unexpired days of cover remaining.

If you cancel your policy, any costs associated with settling any claim(s) will be deducted from the refund.

We will extend the full refund period in line with any Amazon Extended Christmas Return Policy that was active at the time this cover
was purchased.

Should you wish to cancel your policy, visit ‘Your Orders’ within your Amazon account. Locate the policy order and follow the process
for a ‘Return Request.’ Alternatively email us at: cancellation@techprotection.co.uk, call us on 0303 313 00 02, or write to us at
Protectyourbubble.com by Assurant, Vantage Point Business Village, Mitcheldean, GL17 0DD, United Kingdom.

In the event you cancel your product order prior to dispatch and we are able to associate that order with this policy, we will
automatically cancel this policy, initiate a full refund and email you confirmation. If you do not receive confirmation, please follow the
cancellation process above.

We may cancel your policy if you have provided false or inaccurate information and fraud is identified, or in the event of war or foreign
hostility in your country of residence. In the event of war or foreign hostility, you will be entitled to a refund of premium in accordance
with the guidance above.

Making an enquiry or complaint

If you have a general query, please email us at: enquiries@techprotection.co.uk, or call us on 0303 313 00 02.

If you have a complaint regarding this policy, please contact us by email at: complaints@techprotection.co.uk, call us on 0303 313
00 02, or write to us at Protectyourbubble.com by Assurant, Customer Relations, Vantage Point Business Village, Mitcheldean, GL17
0DD, United Kingdom.

If your complaint is not resolved to your satisfaction you may within 6 months of a final decision contact the Financial Ombudsman
Service at Exchange Tower, Harbour Exchange Square, London E14 9SR, or by telephone: 0800 023 4567 or 0300 123 9123. Website
www.financial-ombudsman.org.uk. Alternatively you may use the European Commission’s Online Dispute Resolution website at
http://ec.europa.eu/consumers/odr/

If we need to change the terms of the policy

In the event that the insurer needs to change the terms, we will give you 30 days’ notice in writing to your last known email address
or postal address. This will only be for valid reasons such as to respond proportionately to changes in the law or decisions of the
101486 0321 FV2.4

Financial Ombudsman Service, to meet regulatory requirements, industry guidance or codes of practice, or to proportionately reflect
other legitimate cost increases or reductions associated with providing insurance which may include changes to the level of cover.

4
Need another copy?
This document is also available in large print, audio and Braille, so get in touch with us on 0303 313 00 02 if you’d like to request a
copy in one of these formats. The same applies if you just need a replacement.

Status disclosure
This policy is underwritten by London General Insurance Company Limited (company number 1865673) whose registered head
office is at TWENTY Kingston Road, Staines-upon-Thames, Surrey TW18 4LG. Protectyourbubble.com by Assurant is a trading name
of London General Insurance Company Limited which is authorised by the Prudential Regulation Authority and regulated by the
Financial Conduct Authority and Prudential Regulation Authority, under registration number 202689.

This policy is administered by TWG Services Limited whose head office is at TWENTY Kingston Road, Staines-upon-Thames, Surrey
TW18 4LG. TWG Services Limited is authorised and regulated by the Financial Conduct Authority, under registration number 312440

You can check these registrations on the Financial Services Register at fca.org.uk

Data Protection
London General Insurance Company Limited and TWG Services Limited, referred to as ‘we’/’us’/’our’ in this data protection statement,
who can be contacted by email at: enquiries@techprotection.co.uk or by writing to Protectyourbubble.com by Assurant, Vantage Point
Business Village, Mitcheldean, GL17 0DD, are data controllers of the personal data you provide and are committed to protecting the
privacy and security of your personal information. This includes your name as well as your contact details such as physical address,
phone number and e-mail address. If you do not provide the personal data required we may be unable to provide the services
contained under the policy.

Your personal details will be used by us for policy and claims administration and for fraud prevention. This may involve sharing
your information confidentially with suppliers of products or services (including repairs) engaged by you or by us in the purchase or
performance of the policy. We may also share your details with Amazon EU S.à r.l. or its affiliates for the purposes of delivering the
benefits under your policy.

We may provide by post, email, text or telephone, administrative information relating to your policy including expiry/renewal details.
Your personal data will be transferred outside the UK to the EU and to the US for policy administration. Your personal data will at all
times be held securely and handled with the utmost care in accordance with all principles of UK Data Protection law.
Your personal data will be kept for up to seven years after which time it will be destroyed if it is no longer required for the lawful
purposes for which it was obtained.

You have a number of rights in relation to your data. These include the right to be informed, have access, rectification, receive your
data in a transferable format, erasure, restriction of processing and object to how your data is processed. To obtain a copy of your
personal data held by us, for more information on the rights to your data or to exercise one of your data rights please contact our Data
Protection Officer or see our website assurant.co.uk/consumer-privacy-policy for more details. Our Data Protection Officer can be
contacted at dataprotectionofficer@assurant.com or via our Customer Relations Team using the details above.

You have the right to make a complaint at any time to the Information Commissioner’s Office, the UK supervisory authority for data
protection issues.

Important information about your insurance intermediary

Amazon EU S.a.r.l. (AEU), a private limited liability company (société à responsabilité limitée) registered with the Luxembourg
Register of Commerce and Companies under number B101.918 whose registered office is 38 Avenue John F. Kennedy, L-1855
Luxembourg, is authorised by the Commissariat aux Assurances in Luxembourg to act as an insurance broker (courtier d’assurance).
AEU is also deemed authorised and regulated by the Financial Conduct Authority to act as an insurance intermediary in the UK.
Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking
full authorisation, are available on the Financial Conduct Authority’s website. AEU is included in the UK Financial Services register,
available at www.register.fca.org.uk under reference number 834945. AEU, in its capacity as a broker, is acting on your behalf when
facilitating insurance arrangements in the marketplace and provides advice only in relation to those arrangements on the basis of
a fair analysis of the market. It does not provide a personal recommendation on the basis of a personal analysis. AEU has selected
London General Insurance Limited to provide insurance on relevant products sold on the marketplace. You do not pay a fee for this.
AEU receives a commission from the insurer which is a percentage of the insurance premium. This policy is provided according to
your stated needs and requirements based on the selection you have made. Please inform us if you have a complaint regarding our
brokerage services by visiting www.amazon.co.uk/gp/help/customer/contact-us. If your complaint is not resolved to your satisfaction,
you may within 6 months of our final decision refer the matter to the Financial Ombudsman Service by telephone on 0800 023 4567 or
on its website https://www.financial-ombudsman.org.uk/.
101486 0321 FV2.4

5
FOR THE ATTENTION OF:
Stephen Ogieriakhi
25 Heywood Old Road
Manchester
M24 4QS
Great Britain

INVOICE

INVOICE DATE: 21 August 2021 INVOICE LGI AMZ61230-87227

NUMBER

Description
Insurance on purchased goods

Policy Number Description Amount (£)

AMZ61230-87227 3-year Accidental damage £2.08
insurance for an AUDIO
SYSTEM from £10 to
£19.99

Sub Total £ £2.08

IPT at 20.00% £0.41

Invoice Total £: £2.49

This invoice is for your records only

London General Insurance Company Limited

TWENTY, Kingston Road, Staines-upon-Thames, Surrey, TW18 4LG UK. Registered No: 1865673
Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential
Regulation Authority