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.
Is it possible to insure an old device?
We can insure older devices, however all mobile phones or tablets must have been purchased from a VAT registered UK/Republic of Ireland supplier and no more than 3 years old (from the policy start date).
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.
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 AGS Pier GmbH and the parent company, Pier Insurance Managed Services Ltd, the company is fully authorised and regulated.
How much excess will I pay?
This can be found in your Policy Excess documents.
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.
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.
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.
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.
Who does my policy cover?
Parents can insure their children's devices on their behalf. The cover of the device will apply to you as the person who purchased the policy and your immediate family. This can include your children, wife, husband, partner, siblings, parents, grandparents or grandchildren that live at your address permanently.
Who provides the insurance?
For policies prior to 1st October 2021
This insurance is arranged by Pier Insurance Managed Services Limited, which is authorised and regulated by the Financial Conduct Authority under Firm Register number 331798.
Our policies are underwritten by Inter Partner Assistance SA (IPA) which sis fully owned by the AXA Partner Group. The Inter Partner Assistance SA Financial Conduct Authority register number is 202664.
For new policies and renewals from 1st October 2021
This insurance is arranged by AGS Pier GmbH, with a registered office at Hohe Bleichen 8, 20354 Hamburg, Germany. AGS Pier GmbH is a Registered Intermediary, an insurance agent with authorisation according to § 34 d para. 1 GewO (German Trade Regulation) with registration number: D-DWGU-041S5-44.
This policy is 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 under number 0487.
Your policy is administered by AGS Pier GmbH (UK Branch).
Who will take the money from my bank account?
loveit coverit will appear as Pier Insurance on all banking statements.
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.
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.
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.