In case I get refunded do I have to ship the item somewhere?

Yes, you may need to send the item to Qover’s offices in Belgium. The shipping cost is covered up to €50. The indemnity will only be paid if the item is returned to Qover.

Please see the Terms & Conditions in the app for more details.

You can access them in the app by going to Hub → Insurance → select the type and click on 'All documents'.