Terms and conditions

Pay monthly Cover Me insurance

Multi Risk Indemnity Company Limited, hereinafter referred to as the Company, will in consideration of continued payment of the monthly premium indemnify Vodafone Limited and / or the Customer against the cost of repair or replacement of the Equipment (to the same specification which may be by way of refurbished Equipment) where such Equipment has sustained sudden and unforeseen physical damage loss or theft during the Period of Insurance subject to the followings Definitions, Exclusions and Conditions. The Company shall only be liable to pay one claim in any calendar month. Cover will only apply in respect of Equipment registered with Vodafone limited.

Monetary Limit

Equipment with a retail value of more than

(i) £600 in respect of the voice mobile telephone or data communication device

(ii) £200 in respect of compatible accessories will not be covered by this policy.

Policy territorial limit

This policy shall only apply to Equipment whilst it is in the United Kingdom or temporarily located elsewhere in the world for a period of no more than 30 consecutive days.


  1. Equipment shall mean any voice mobile telephone or data communication device supplied or authorised for use by Vodafone Limited which is equipped with a Subscriber Identity Module (SIM) supplied by Vodafone Limited and activated for use by Vodafone Limited. Equipment shall also mean any accessory that is compatible with the device supplied by Vodafone Limited.

    All vehicle installation materials fixed installation materials software and content downloads are excluded from this definition of Equipment.
  2. Customer shall mean the customer of Vodafone Ltd and any person authorised by that Customer to use the Equipment.
  3. Unattended shall mean where the Customer is not in a position to prevent the loss theft or Damage to the Equipment.
  4. Period of Insurance shall mean the date the premium is paid until midnight on the same date of the following month or if such date does not exist the last day of the month that follows the date the premium is paid. This policy shall automatically renew on a monthly basis provided the Customer pays the required premium or unless cancelled in accordance with the terms of Condition 7. The policy shall remain in force for a maximum period of sixty (60) months.
  5. Administrator shall mean Marsh Ltd, PO Box 7135, Witham, Essex, CM8 2WF


The Company shall not be liable in respect of:

A. The first £25 of any claim.


(i) Loss theft or damage to any compatible accessory unless the voice mobile telephone or data communication device is lost stolen or damaged as part of the same event

(ii) Theft or attempted theft of Equipment from any vehicle or premises left Unattended unless evidence of forcible and violent entry to the vehicle or premises is provided;

(iii) Loss of Equipment left Unattended in a public place or a place to which the public has access at the time of the incident;

(iv) Theft or attempted theft or malicious damage not reported to the Police within 48 hours of discovery;<

(v) Loss theft or attempted theft not reported to Vodafone Ltd within 24 hours;

(vi) Loss or theft caused by deception.

C. The cost of:

(i) Repairs to interior or exterior paintwork caused by scratching or chipping of paintwork or polished surfaces;

(ii) Any costs or charges for which the manufacturer supplier or distributor are liable in accordance with their standard warranty obligations;

D. Loss or Damage caused by wear and tear depreciation insects vermin fungus atmospheric or climatic conditions gradually operating cause any process of cleaning repair alteration restoration delay confiscation or detention by order of any government public or police authority

E. Loss of use nor any consequential loss of any nature whatsoever

F. Any loss or Damage caused by a wilful act or negligence of the Customer or any person using the Equipment with the Customer’s permission

G. Loss or Damage or consequential loss directly or indirectly occasioned by:

(i) War invasion act of foreign enemy hostilities (whether war be declared or not) civil war rebellion revolution insurrection or military or usurped power nationalisation confiscation requisition seizure or destruction by the government or any public authority;

(ii) Ionising radiations or contamination by the radioactivity from any nuclear waste from the combustion of nuclear fuel or the radioactive toxic explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof;

(iii) Pressure waves caused by aircraft or other aerial devices travelling at sonic or supersonic speeds;

(iv) Terrorism regardless of any other cause or event contributing concurrently or in any other sequence to the loss. For the purpose of this Exclusion Terrorism shall mean any act including but not limited to the use of force or violence or the threat thereof of any person or group of persons whether acting alone or on behalf of or in connection with any organisation or government committed for political religious ideological or similar purposes including the intention to influence any government or to put the public or any section of the public in fear.

H. Loss or Damage or consequential loss directly or indirectly occasioned;

i) to Equipment failing to correctly recognise data representing a date in such a way it does not work properly or at all<

ii) by a Virus

For the purpose of this Exclusion, virus includes trojan horses, worms, logic bombs or any

program or software which prevents any Equipment operating system software or content download working properly or at all


  1. Indemnity

    The Company may at its option indemnify the Customer by repair or replacement of the Equipment provided always that the total liability of the Company shall not exceed the cost to the Company of providing to the Customer Equipment of a specification equivalent as nearly as may be in the opinion of the Company.
  2. Reasonable Precautions

    The Customer shall take all reasonable precautions to protect the Equipment and shall maintain the Equipment in a proper state of repair.
  3. Fraud

    (a) This policy shall be voidable in the event of fraud or misrepresentation or non-disclosure or alteration of risk.

    (b) If the Customer gives misleading information when making a claim the policy will be cancelled without notice by the Company and the Customer will be liable to pay for benefits already paid to them under this policy. No refund of premium will be allowed and the Customer may be prosecuted.

    (c) When the Customer reports the theft of the Equipment to Vodafone Ltd the Company shall be entitled to request Vodafone to blacklist the Equipment.

    (d) If Equipment that is replaced by the Company due to loss or theft is recovered the Customer shall inform the Company and make arrangements to surrender the recovered Equipment. The Company reserves the right to recover any costs involved in replacing or repairing the Equipment if the Customer fails to do so.

  4. Claims procedure

    Upon the discovery of any incident that may give rise to a claim under this policy the Customer must:

    (a) If theft or malicious damage;

    Notify the police within 48 hours of the discovery of the theft or malicious damage and obtain a crime reference number or a Police report where available;

    (b) in the event of any claim under this policy;

    Notify Vodafone as soon as possible but not later than 7 days after the discovery of the theft, loss or damage;

    (c) Provide the Administrator with if requested a copy of the relevant airtime contract;

    (d) It is a condition precedent to liability of the Company that when any event occurs which gives rise to a claim under this policy the Equipment must be repaired or replaced by the Company or an authorised repairer nominated by the Company. In the event of non-compliance by the Customer with any of the above Conditions any liability of the Company that would have arisen as a result of such loss shall be forfeited.

  5. Change of Equipment

    Vodafone Ltd must be immediately advised of any change to the Equipment used by the Customer. Failure to do so by the Customer will result in the invalidation of the policy.
  6. Rights of Cancellation

    The Company or the Customer may cancel this policy by giving 30 days written notice to each other. The Customer should contact Vodafone on 191 from a Vodafone mobile or 0333 3040 191* from any other phone. The Customer will not be provided with a refund of premium for the period the policy was valid prior to such a cancellation.

    The Customer also has a statutory right to cancel this policy which extends for 7 days from the later of:

    (a) The day the Customer is informed that the policy has commenced and

    (b) The day on which the Customer receives the full terms and conditions of the policy.

    On receipt of the notice the Customer shall receive a refund of any premiums already paid unless the Company has already been notified of a claim.

Complaints Procedure

We aim to make sure our customers get the most out of our service. If we’ve not delivered the service that you expect or you’re concerned with the service provided we’d like the opportunity to put things right.

Our Complaints Process

Initially contact the Administrator to raise your concerns at:

Marsh Ltd

Vodafone Cover Me Scheme

PO Box 7135




Telephone 0870 33 8954

The Administrator will aim to resolve your concerns within 24 hours. If this is not possible they will acknowledge your complaint within 5 working days of receipt and provide a response within 4 weeks

If your complaint is not resolved or you are not happy with the Administrator’s response, you can progress your complaint to the Chairman of the Company, who will carry out a separate investigation in an attempt to resolve your complaint and will issue a final decision.

Multi Risk Indemnity Company Ltd
135 Triq iz-Zerniq
BirkiKara BKR 13
00 356 2149 8308

If you are still not satisfied and the complaint is in relation to the policy, Multi Risk Indemnity Company is regulated by the Malta Financial Services Authority and in this respect you may refer you complaint to the Consumer Complaints Manager of the Malta Financial Services Authority or bring a claim in the UK courts.

The Complaints Manager deals with complaints about financial services provided in or from Malta. He can only consider complaints from private consumers and is unable to consider complaints from businesses.

You may contact the Complaints Manager at:

Consumer Complaints Manager
Malta Financial Services Authority
Notabile Road
Attard BKR14

Telephone: 00 356 2144 1155

Fax: 00 356 2144 1188

email: consumerinfo@mfsa.com.mt

Web: mymoneybox.mfsa.com.mt

Your Rights

Your rights as a customer to take legal action remain unaffected by the existence or use of any complaints procedures referred to above

Data protection

All personal information supplied by you will be treated in confidence by Vodafone Limited and its subsidiary companies and Multi Risk Indemnity Company Limited and their agents subcontractors and suppliers. It will not be disclosed to any third parties except where your consent has been received, where permitted by law or to assist in the prevention and detection of fraud.

In order to prevent and detect fraud we may also at any time check and or file your details with the National Mobile Phone Project database operated by Advanced Forensic Solutions Ltd

Law and jurisdiction

This policy is to be governed by English law. The courts of England and Wales shall have non-exclusive jurisdiction to settle any dispute, which may arise in connection with this policy. Multi Risk Indemnity considers that English law also is the basis for the establishment of relations with you before the conclusion of the contract.


English language is used for this policy and is the only language in which Multi Risk Indemnity Company Limited undertakes to communicate with you.


Multi Risk Indemnity Company Limited

*BT customers charged 7.5p per minute at peak times and 1.2p per minute off peak. Other provider's rates may vary