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What's covered under everyday protection insurance?

There are some products that our everyday protection insurance won’t be able to cover. 

Purchase protection exclusions

  • Any item with a purchase price less than £50
  • Normal wear and tear
  • Damage caused intentionally by you
  • Damage to items caused by product defects
  • Theft of or damage to items where you’ve failed to take sufficient care of them or have left them unsecured or outside your reach
  • Theft not reported to the police within 48 hours of discovery or as soon as reasonably possible and without a written report obtained
  • Any fraudulent, dishonest, or criminal act committed by you or anyone with whom you are in collusion
  • Confiscation or destruction of purchases by any government, customs or public authority
  • Costs which are recoverable from any other source
  • Theft or damage to: jewellery, precious stones, rare and precious coins or stamps; one of a kind items including antiques, art work and furs; cash or its equivalents (including travellers cheques); stocks, bonds, coupons, securities of all species and equivalent papers; tickets; services; books; animals and plants; consumable and perishable goods; food and beverages; healthcare items; rebuilt and refurbished items; closing down sale items; vehicles and their parts; land and buildings; items permanently affixed to a home, office or vehicles; digital data to view or download online (including files, music, films, photos, software); goods purchased to be sold onwards or used for professional purposes; weapons, illegal drugs, counterfeit goods, and other goods subject to customs confiscation; purchases on peer-to-peer sites unless from a commercial seller
  • Any items not paid outright and in full on the account, such as items purchased on payment plans, even if the payment plan is paid on the account
  • Refurbished items
  • Cosmetic damage or any damage that doesn’t affect the functionality of a device
  • Shipping costs for sending the item to us which exceed £50

Refund protection exclusions

  • Any item with a purchase price less than £50
  • Items purchased outside of the country in which your account is registered or Europe
  • Items that are not in a new and saleable condition, free from all defects, and in full working order
  • Jewellery, precious stones, rare and precious coins or stamps; one of a kind items including antiques, art work and furs; cash or its equivalents (including travellers cheques); stocks, bonds, coupons, securities of all species and equivalent papers; tickets; services; books; animals and plants; consumable and perishable goods; food and beverages; healthcare items; rebuilt and refurbished items; closing down sale items; vehicles and their parts; land and buildings; items permanently affixed to a home, office or vehicles; digital data to view or download online (including files, music, films, photos, software); goods purchased to be sold onwards or used for professional purposes; weapons, illegal drugs, counterfeit goods, and other goods subject to customs confiscation; purchases on peer-to-peer sites unless from a commercial seller
  • Shipping and handling costs for the purchase or the return of the item from/to the merchants
  • Shipping costs for sending the item to us which exceed £50
  • There is no cover if the reason for the refund being declined is that the retailer doesn’t accept returns via post

Ticket cancellation protection

  • Any illness or accident, condition, or set of circumstances known by you at the purchase of the ticket, where such condition or set of circumstances could reasonably have been expected to give rise to cancellation of such ticket. This doesn’t exclude unforeseeable relapses of illness or accidents, which have been stable and without change in treatment for at least two months prior to purchase of the ticket
  • Any claims where the service provider or event organiser offers a voucher or a reimbursement
  • Your disinclination to attend the event
  • Any injury or sickness which didn’t require treatment by a certified medical practitioner
  • Psychiatric or mental disorders
  • Your injuries or accidents which occur while under the influence of alcohol (above the legal driving limit) or drugs unless prescribed by a registered medical practitioner
  • Any illegal act by you
  • Postponement, cancellation, relocation, or abandonment of the event by the performer, artist, promoters, or organisers of the event
  • Intentionally self-inflicted injury, suicide, or attempted suicide
  • Loss of the ticket(s)
  • Loss (as opposed to theft) of identity papers
  • Intentional or fraudulent misconduct committed by the insured
  • Criminal proceedings against the insured
  • Civil or foreign war, riots, popular movements, acts of terrorism or their threat, or any effect of a source of radioactivity
  • Tickets purchased after a government issues advice that prevents you from attending an event
  • Event tickets you have purchased for business purposes
  • Failure or delay of public transport caused by industrial action or strike, which was announced or began before you left home or where you could have reasonably made other travel arrangements
  • Liquidation or bankruptcy of the performer, artist, company promoting or organising the event, their agents, or any person acting for them
  • Business trips if you’re self-employed or employed by a close relative