What’s not covered in my policy?
We've details exactly what is not covered in the Policy Excess and Key Exclusions and Limitations pages.
If my iPhone does not appear on the list, can I still insure it?
Yes, of course. We try to ensure that our list is complete and up-to-date as the iPhone market frequently changes. Please contact us with the details of your iPhone model and we will confirm if we can cover it.
How soon will I receive my replacement mobile phone or tablet after I claim?
We understand the inconvenience that being without a phone or tablet can cause, which is why we endeavour to have a replacement device in your hands within 48 hours of us approving your claim.
Will my replacement gadget be the same as the one I had?
Once we've agreed your claim, we'll endeavour to replace your device with the same make, model and colour. We'll then send it to you as quickly as possible. If your device isn't manufactured anymore, we will provide the nearest comparable model.
Do you send a brand new replacement gadget?
As your policy is not a ‘replacement as new’ policy, all mobile phone or tablet replacements we send out may be brand new or refreshed devices, but they will all come with a 12-month warranty.
We ensure that the quality of refurbished devices is so high that you won’t be able to differentiate them from new ones. Please note that refreshed devices may hold some non-original parts.
Is there a minimum or maximum period of cover?
No, there is no minimum period of cover. When you purchase an annual policy, we will contact you approximately two weeks before your renewal date and offer to renew it. We will automatically process your renewal if you don't advise us to cancel your policy at this time.
I have an older iPhone, can I still insure it?
Yes we will insure old iPhones, however the phone must have been purchased from a VAT registered UK/Republic of Ireland supplier within the last 3 years (from the policy start date). You must be able to support this by providing a valid proof of purchase document.
Will you insure a non-genuine device?
No, we won't cover non-genuine devices in our policies. However, refurbished devices that come with a manufacturer’s warranty or the original proof of purchase (if the device was bought second-hand), we will insure.
How much excess will I pay?
This can be found in your Policy Excess documents.
Why must I pay an excess?
We won't increase our premiums once you make a claim, unlike many other insurance providers. Therefore, we ask you to pay the compulsory excess fee so we can keep our prices low for you. You can always trust that we will handle your claim quickly, professionally and efficiently.
How old do I have to be to insure a device?
You must be 18 years old or over and an Irish resident if you wish to take out a policy. If you are under 18, then a family member can take out the policy on your behalf with their consent.
Who provides the insurance?
The insurance is arranged by Pier Insurance Managed Services Limited and underwritten by Inter Partner Assistance SA (IPA) which is fully owned by the AXA Partners Group. Inter Partner Assistance is a Belgian firm authorised by the National Bank of Belgium in Belgium and regulated by the Central Bank of Ireland for conduct of business rules.
Who will take the money from my bank account?
loveit coverit will appear as Pier Insurance on all banking statements.
Can I trust loveit coverit?
loveit coverit is an established company within the gadget insurance sector. We are a specialist insurance provider with 3 decades of experience under our belts. You can trust in our brand and our mobile phone and tablet insurance policies. As part of Pier Insurance Managed Services Ltd, the company is fully authorised and regulated.
What should I do if I’ve got a question not answered in your FAQs?
Please feel free to email us at email@example.com and we will happily help you.