1. DEFINITIONS
In this policy, words that appear in bold have the following special meaning: ”accidental damage” means any sudden and unforeseen damage occurring to the insured product not otherwise excluded under the terms of this policy; “authorized repairer” means a service provider we approve and instruct to repair the insured product; “commencement date” means the date you purchase this extended warranty as shown in the schedule; “insured product” means the domestic goods shown in the schedule; “period of insurance” means the period from the commencement date to the termination date; “policy” means this policy numbered 01977; “premium” means the single payment paid by you for cover under this policy; schedule” means the document setting out the details of your cover under this policy which has been issued to you together with this policy document; “termination date” means the earliest of the following dates:

(i) the date on which the period of insurance expires; or (ii) the date you cancel this insurance cover under Clause 7.; or (iii) the date we advise you that this insurance cover is terminated under Clause 8.; or (iv) in respect of each insured product, the date we compensate you for the total loss of the insured product; “total loss” means a repair we consider to be impossible or uneconomic; “we” “us” “our” means Pinnacle Insurance plc; “you” “your” means the individual named in the schedule. The singular shall include the plural and vice versa.

2. BENEFITS
We will indemnify you against: (i) Mechanical/Electrical Breakdown outside the Manufacturer’s Guarantee Period. The cost of repair (or replacement if the repair is considered a total loss) of the insured product due to a breakdown in normal use as a result of techanical or electrical failure resulting in the insured product ceasing to operate in accordance with the manufacturer’s specification.

(ii) Accidental Damage*
The cost of repair (or replacement if the repair is considered a total loss) of the insured product due to accidental damage to the insured product.
*Please note: No cover available for Plasma Screen televisions

(iii) Frozen Food Loss – If applicable to the insured product. Accidental loss of frozen food stored in the insured product in the event of a Mechanical Breakdown as set out in Clause 2.
(i) above.

3. LIMITS OF INDEMNITY
(i) The maximum payment for any one claim under Mechanical/Electrical Breakdown or Accidental Damage, as set out in Clause 2. (i) and (ii) above, shall not exceed the original purchase price of the insured product. The maximum payment in aggregate for all claims for Mechanical/Electrical Breakdown or Accidental Damage during the period of insurance of this policy shall not exceed the original purchase price of the insured product, or £5,000, whichever is less.
(ii) The maximum payment for any one claim under Frozen Food Loss, as set out in Clause 2. (iii) above, shall not exceed £300. The maximum payment in aggregate for all claims for Frozen Food Loss during the period of insurance of this policy shall not exceed £600.
(iii) This insurance is limited to the United Kingdom, the Channel Islands and the Isle of Man only.

4. WHEN WILL YOU NOT BE COVERED?
We shall not be liable for:
(i) any loss, damage, malfunction or breakdown resulting from or as a consequence of:
(a) fire, lightning, explosion or flood;
(b) theft or any attempt thereat;
(c) the variation and/or failure of electrical supplies for any reason including adverse weather conditions;
(d) any wilful act or neglect;
(e) rusting, corrosion, denting or scratching;
(f) damage caused by sand, sea water, the action of sunlight, wind, weather or other natural elements;
(g) the insured product not being installed or operated in accordance with the manufacturer’s instructions;
(h) use other than domestic use by you or your family permanently living with you;
(i) use of unapproved accessories; or
(j) any repairs carried out outside the United Kingdom, the Channel Islands and the Isle of Man.
(ii) the cost of:
(a) routine cleaning, service, inspection and maintenance;
(b) rectifying cosmetic damage not affecting the safe use of the product, or the replacement of or adjustment to plastic, metal trim badges or insignia;
(c) repair or replacement of taps;
(d) consumable items requiring routine replacement such as any projection lamps, light bulbs, disposable bags, oven liners, batteries or styli;
(e) materials or labour charges for which the manufacturer, supplier, installer or repairer may be responsible for under any guarantee or warranty;
(f) work covered by manufacturer’s recall of the product;
(g) adjustment of aerial sockets and re-alignment of satellite antennae;
(h) unblocking drainage channels on refrigeration equipment;
(i) repairing or replacing scratched photographic and camcorder lenses;
(j) call out charges where no fault is found;
(k) frozen food loss where proof of purchase is unavailable;
(l) medication or vaccines stored in the insured product under a frozen food loss claim;
(m) modifying the insured product in any way;
(n) changing from analogue to digital broadcasting, including the termination of any type of analogue transmission; or
(o) installing a replacement item if the insured product is considered a total loss; or
(iii) loss of use of the insured product or any consequential loss; or
(iv) any accidental damage claims for plasma screen televisions.

5. CLAIMS
(i) In the event of mechanical/electrical breakdown or accidental damage to the insured product, you should contact us on 0845 120 5664 to obtain a claim reference number. You will be given details of the authorised repairer, who will undertake repairs covered by this policy and charge the cost of a valid claim directly to us. The authorised repairer will require you to pay for any repairs falling outside the scope of this policy.
(ii) If a repair is considered to be a total loss, we will at our discretion, replace the insured product with a product of similar or equivalent specification. The damaged insured product shall become our property.
(iii) In the event of a claim for Frozen Food Loss, you should contact us on 0845 120 5664 to obtain a claim form. Simply complete the claim form and return it to us at:

Food Loss Claims, Pinnacle Insurance plc
Pinnacle House, A1 Barnet Way, Borehamwood,
Hertfordshire WD6 2XX

Alternatively, you may fax the claim form to 020 8207 9508. In the event that an inspection is required, you will be advised within 48 hours (normally immediately).
Please note: All spoiled food must be kept for at least 48 hours and any loss adjusters we appoint must be given access to the insured product in the event that an inspection is required.

7. COOL OFF PERIOD
If you decide you do not want the policy, simply contact 0845 700 0100 within 45 days of the commencement date and any premium you have paid will be refunded, provided you have not made a claim under this policy. After the first 45 days you cannot cancel this policy.

8. INVALID PAYMENTS
In the event that any payments are made which are found to have been made as a result of your fraud, recklessness or negligence, we may terminate this policy and we reserve the right to demand that any such benefits are repaid by you and/or take the appropriate legal action against you. We may demand that you reimburse us for any investigation costs reasonably incurred.

9. GENERAL CONDITIONS
(i) This policy document, together with the schedule and any endorsement hereon will contain all the terms and conditions relating to cover of your insured product. The provisions of this policy are, where their nature permits, conditions precedent to our liability under this policy.
(ii) You cannot assign or charge the policy in any manner whatsoever.
(iii) This policy shall not acquire a surrender value.
(iv) The parties to this policy are free to choose the law applicable to it. Without agreement to the contrary, English Law will apply. If you live in Scotland, Wales, Northern Ireland, the Channel Islands or the Isle of Man, you will be entitled to commence legal proceedings in your local courts.
(v) Insurers share information with each other to prevent fraudulent claims via a register of claims. A list of participants is available on request. In the event of a claim, any information you have supplied relevant to this insurance and on the claim form, together with other information relating to the claim, will be provided to the register.
(vi) We are covered by the Financial Services Compensation Scheme (the “Scheme”). You may be entitled to compensation from the Scheme if we cannot meet our obligations. The amount of compensation depends on the type of business. Most types of insurance business are covered for 100% of the first £2,000 of a valid claim and 90% of the remaining amount of the loss. Further information about compensation arrangements is available from the Financial Services Compensation Scheme.
(vii) To improve the quality of our service, we will be monitoring and recording some telephone calls.

ENQUIRIES AND COMPLAINTS
While it is always our intention to provide a first class standard of service, if you do have any concerns regarding your insurance over,
please address them to:

Customer Relations Manager, Pinnacle Insurance plc
Pinnacle House, A1 Barnet Way, Borehamwood, Hertfordshire
WD6 2XX

Should you remain dissatisfied with the outcome of any internal enquiries, you have the right to refer your complaint to:

The Financial Ombudsman Service (FOS)
South Quay Plaza, 183 Marsh Wall, London E14 9SR

This procedure will not prejudice your right to take legal proceedings. However, please note that there are some instances when the FOS cannot consider complaints.
A leaflet detailing our full complaints/appeals process is available from us on request