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What is Cell C Device Insurance?

Change to Cell C and get comprehensive cellphone insurance with cover for up to R30 000 at very affordable premiums. Insure your phone from as little as R1.20 a day

Hollard

Underwritten by The Hollard Insurance Company Ltd
Hollard is a licensed Financial Service Provider (FSP 17 698)

WHAT WE COVER

Cover against:

  • All Risk - Accidental Loss, Theft & Physical Damage - cover against the accidental loss, theft or accidental damage of the Device, during the period of insurance, subject to the terms and conditions. Optional Excess cover is available in exchange for an agreed additional premium.
  • Stand-alone - Accidental Physical Loss/Theft - cover against the accidental loss or theft of the Device, during the period of insurance, subject to the terms and conditions.
  • Stand-alone - Accidental Physical Damage - against the accidental damage of the Device, during the period of insurance, subject to the terms, conditions and exclusions contained in this policy wording. Optional Excess cover is available in exchange for an agreed additional premium.
  • SIM Cover - Should a customer's SIM card be illegally cloned or swapped without authorization, they will receive a once-off R500 airtime/data benefit.
    The cost of an authorised replacement Sim swap up to a value of R 115 (inclusive of VAT).
    Unlawful Usage - any charges debited to the customer's account with Cell C arising from unauthorised usage of their SIM card after the loss or theft of their mobile device for a period not exceeding 24 hours from the time their mobile device is lost or stolen to when it is blacklisted, up to a maximum of R 1 000 (inclusive of VAT).
    There are no excesses applicable and SIM cover can be activated at any point.

HOW TO APPLY

Option 1: Apply for Cell C Device Insurance here.

Option 2: Request Cell C Device Insurance at your nearest Cell C store. Activate in store and add the Cell C Device Insurance premium to your monthly Subscriber Agreement.

Option 3: SMS the keywords Insurance' to 14770 (free from a Cell C cellphone number) and one of our insurance advisers will call you back.

Option 4: Call Cell C Financial Services - on 084 157 0007 Option 1 (free from a Cell C number) and complete the application telephonically.


HOW MUCH IT COSTS

Mobile Equipment value All Risk Cover - Theft, Accidental Damage & Accidental Loss All Risk Basic Excess Buy-down* Accidental Damage Accidental Damage Basic Excess Buy-down* Loss & Theft SIM cover
Device Premium p/m Premium p/m Premium p/m Premium p/m Premium p/m Premium p/m
R 0 to R 1 000 R 35 R 6 N/A N/A N/A R 9
R 1 000 to R 2 500 R 39 R 7 R 19 N/A R 20 R 9
R 2 501 to R 5 000 R 79 R 8 R 25 N/A R 54 R 9
R 5 001 to R 7 500 R 109 R 9 R 45 N/A R 64 R 9
R 7 501 to R 9 000 R 129 R 12 R 55 R 6 R 74 R 9
R 9 001 to R 12 000 R 169 R 15 R 59 R 8 R 110 R 9
R 12 001 to R 15 000 R 189 R 25 R 65 R 12 R 124 R 9
R 15 001 to R 20 000 R 259 R 30 R 75 R 15 R 184 R 9
R 20 001 to R 25 000 R 289 R 40 R 100 R 20 R 189 R 9
R 25 001 to R 30 000 R 339 R 50 R 119 R 25 R 220 R 9
R 30 001 to R 35 000 R 385 R 60 R 140 R 29 R 245 R 9

Rates listed: 1 October 2018

Cover can only be taken within 30 days of a new subscriber agreement activation or Upgrade.

Terms and Conditions Apply.

how do I get it?

Simply sign up for Cell C Device Insurance at your nearest Cell C store, call the Cell C Device Insurance Call Centre on 084 157 0007, free from a Cell C mobile number or send an email to applications@wwas.co.za and complete the application telephonically.

The process is quick and easy and by the time the call is completed you will be covered, if you accept the quotation.

Call 084 157 0007

Option 1: Apply for Cell C Device Insurance here.

Option 2: Request Cell C Device Insurance at your nearest Cell C store. Activate in store and add the Cell C Device Insurance premium to your monthly Subscriber Agreement.

Option 3: SMS the keywords Insurance' to 14770 (free from a Cell C cellphone number) and one of our insurance advisers will call you back.

Option 4: Call Cell C Financial Services - on 084 157 0007 Option 1 (free from a Cell C number) and complete the application telephonically.

how do I claim?

Call 084 157 0007 Log a Claim Track a claim

You need to lodge your claim, for Accidental Damage or Loss/Theft, within 30 days of the date of any claim event.

The Mobile Equipment must have been used to make or receive a call, or to send or receive an SMS in conjunction with the cellular number that was provided at the time the Mobile Equipment was registered, within 24 hours of a claim event

CALL 084 157 0007 or click here for a claim form

In the event of theft or loss, you need to:

  • Blacklist the phone through the Cell C Customer Care centre on 135 or 084-135.
  • Report the incident to the police using the reference number obtained from Cell C, as well as obtain a signed Affidavit from them.
  • Call the administrator on 084 157 0007 Option 1to report your claim and obtain the claim form. Complete the claim form and together with all supporting documents submit to the administrator via:
       Fax on 086 527 8902
       E-mail to info@deviceinsurance.co.za

In the event of accidental damage, you need to:

  • Call the administrator on 084 157 0007 Option 1 to report your claim and obtain the claim form.
  • Complete the claim form and submit to the administrator via:
       Fax on 086 527 8902
       E-mail to info@deviceinsurance.co.za

Take the handset to the nearest Cell C store or service centre, as agreed with the Administrator, for processing. For more information, please call 084 157 0007 Option 1.


Excess Payable for Cell C Device Insurance:

Original Device Value Basic Excess for Theft/Loss claims Basic Excess for Damage claims A claim event which happens within 60 days of the start of this policy A second claim event within 12 months of the first event
Up to R 1000 R 250 R 150 Additional 50% of the basic excess applicable Additional 50% of the basic excess applicable
R 1001 to R 2500 R 250 R 150
R 2501 to R 5000 10% of original handset value R 200
R 5001 to R 7500 10% of original handset value R 300
R 7501 to R 9000 15% of original handset value R 500
R 9001 to R 12000 15% of original handset value R 650
R 12001 to R 15000 20% of original handset value R 750
R 15000 to R 20000 20% of original handset value R 1250
R 20001 to R 25000 20% of original handset value R 1750
R 25001 to R 30000 20% of original handset value R 1750
R 30001 to R 35000 20% of original handset value R 1750

Note: All amounts are inclusive of VAT.

Contact Us

Call the Cell C Device Insurance call centre on 084 157 0007 Option 1, free from a Cell C phone, and the friendly consultant will be able to assist you with sales, queries and claims.

Call 084 157 0007

How do I get it?

Click here to apply online or call Cell C Financial Services on 084 157 0007 Option 1 free from a Cell C mobile number and complete the application telephonically. 

Who is Worldwide Advisory Services?

Worldwide Advisory Services is the Cell C Device Insurance administrator appointed by Hollard Insurance. The Worldwide Call Centre handles all Cell C Device Insurance activations, queries, cancellations and claims on behalf of Hollard Insurance. 

How are the Premiums determined?

The Cell C Device Insurance premiums are based on the customer's handset value. The appropriate VAS will be selected according to the retail value of the handset. The premiums will be charged to the customer's Cell C account. 

How long am I covered for?

Premiums for Cell C Device Insurance will be billed monthly in advance. Cell C Device Insurance is active as long as your premiums are up to date. 

What happens if I do not pay my premium?

If you default on the premium payment, you will forfeit cover on your handset and claims will not be considered. 

What happens to the existing Cell C Device Insurance customers?

Existing Cell C Device Insurance customers on separate debit orders will remain on a separate debit order with Hollard Insurance. This is to ensure that they continue to receive the same benefits that they signed up for before the new premium bands and cover came into effect. These customers will be migrated to the new Cell C Device Insurance when they upgrade from their current contract. 

How does a customer go about making a claim?

Claim forms are available for download on the Cell C website or Worldwide Advisory Services (via email) for customers wishing to lodge a claim. The completed claim form, together with all other required documentation, has to be emailed to Worldwide Advisory Services for processing. Claims must be lodged within 30 days of the date of the event. Claims will not be paid where the customer has outstanding premiums. 

What happens in the event of a lost or stolen handset?

The customer must contact Cell C Customer Care to blacklist the handset on the network. Where the handset has been stolen, the customer should notify the police once the handset has been blacklisted. A copy of the police report and case number must be sent to Worldwide Advisory Services by email. Worldwide Advisory Services will send a "confirmation of claim receipt" SMS to the customer once all the relevant detail is received and processing of the claim has commenced.

- Claim forms to be emailed to Claims@deviceinsurance.co.za, or

- Claim forms to be faxed to 086 527 8902 

What happens in the event of a damaged handset?

The customer will report the damage by calling the Worldwide Advisory Services Call Centre and lodging a claim. Worldwide Advisory Services will inform the Cell C Repair Centre of the damage, and provide the Repair Centre with a claim reference number. The customer will take the damaged handset to their nearest Cell C store or service centre for processing. The Repair Centre will arrange collection of the damaged handset from the relevant Cell C store. The handset will be collected by courier and delivered to the Repair Centre. 

On receipt of the handset, the Repair Centre will assess the damage and advise Worldwide Advisory Services if the equipment is repairable or beyond economic repair (BER). If the handset can be repaired, the Repair Centre will conduct the necessary repairs and the handset will be sent back to the Cell C store requested by the customer. If the handset is BER, the customer will be issued with a new handset to the same value as the insured handset. 

How is the excess payable?

An excess is payable by the customer for any lodged claims, and the amount must be deposited by the customer into Worldwide Advisory Services bank account. The claim will only be processed once the excess amount has been received by Worldwide Advisory Services. Refer to Policy document.

Product Options

Cell C Mobile Device Insurance is a flexible Insurance offering, which provides four cover options, specifically designed to meet your needs: 

Theft, Accidental Loss and Accidental Damage Cover (All Risks)

Provides cover for Theft, Accidental Loss and Accidental Damage. An excess buy-down option which allows for the reduction in excess payments of 50% is available for an additional premium amount, dependent of the device value.

Accidental Loss and Theft cover

Only provides cover in the event of Accidental Loss and Theft. Cover is only available for handset values in excess of R 1 000. There is no excess buy-down option included in this cover. 

Accidental Damage cover

Provides cover for Accidental Damage only. Cover is only available for handset values in excess of R 1 000. An excess buy-down option is only available for an additional premium amount, in the sum insured bands above R 7 500. 

Note: The above options will only be available to customers within the first thirty days of activation of the Subscriber Agreement.

SIM Cover

Covers SIM Card Cloning with a R500 airtime/data combo benefit to help compensate for customer frustration due to this process, SIM Swap cover for up to R 115 for replacement of a SIM Card being lost, stolen or damaged in conjunction with the cellphone it was registered with and Unlawful usage for up to R 1 000. 

Product availability

Available to new and existing Cell C Post-paid and Top-Up customers

Obtain a quote and take out cover via our web portal at

http://cellc.wwas.co.za/customerinsurance/requestQuote. Or from your nearest Cell C store

Or

sending an SMS with the keywords "Cell C Device Insurance" to 14770 (free from a Cell C cellphone number) 

Or calling the Cell C Financial Services call centre on 084 157 0007 for Device Insurance (free from a Cell C cellphone number). 

Cell C Mobile Device Insurance is available to private customers and corporates (where applicable). Cell Device Insurance is currently not available to Pre-paid customers. 

Insurance commences once you receive an SMS on the mobile equipment confirming that your insurance cover has begun. Therefore, you need to activate the mobile equipment and SIM Card immediately. 

Premiums are billed monthly in advance on the Cell C bill e.g. if you take out Cell C Device Insurance on 15 May 2018, you will be billed on 31 May 2018 for the pro-rated May premium and the full June premium. 

Premiums include VAT at 15%. 

About the Insurer

The cover is underwritten by The Hollard Insurance Company Limited, an authorised Insurer (FSP 17 698). 

Hollard have appointed Worldwide Advisory Services (Pty) Limited (WWAS) is an authorised financial services provider (FSP 12 964) as the Administrator and Intermediary of Cell C Device Insurance. 

Cell C is an authorised Juristic Representative on of Worldwide Advisory Services (Pty) Ltd. Cell C collects the premium on behalf of the insurer. Cell C will not provide any financial advice in relation to Cell C Device Insurance. All such queries directed at Cell C will be re-directed to Hollard. 

Important Information

  • Hollard will provide cover for a maximum of two claims within any 12-month period.
  • If the Mobile Equipment must be replaced, the maximum benefit will be equal to the
  •  replacement value of the Mobile Equipment at date of loss provided that the replacement value will not exceed the maximum insured value indicated on the schedule of insurance.
  • Hollard is not liable if you fail to take reasonable steps to protect and maintain the insured property: and minimise the cost of any claim under this policy.
  • Hollard is not liable for Loss or damage from:
    1. wear and tear, maintenance, depreciation, deterioration or other gradually operating causes;
    2. change in temperature or humidity, the action of light or climatic or atmospheric conditions
    3.  unless caused by storm, wind, water, hail or snow;
    4. the process of cleaning, altering, repairing or restoring; mechanical or electrical breakdown, failure, breakage or instability;
    5. insects, termites, mildew, damp, corrosion, oxidation or rust;
    6. confiscation or similar acts – we do not cover you for any loss, damage or costs because the Police or any other authority legally took possession of your insured property for any period;
  • Theft from an unattended vehicle, unless:
    1. the Mobile Equipment is completely concealed from view to passer’s by; and
    2. the vehicle is secured and locked at all points of access; and
    3. entry to the vehicle is gained by forcible, violent and visible means of which there is evidence; or
    4. the vehicle is locked or secured in a building to which entry is gained by violent and visible means of which there is evidence
  • Any loss or damage caused by electronic viruses.
  • Loss or damage during the hire or loan of the Mobile Equipment to another person,
  • or where the Mobile Equipment is given to another person for short-term or long-term use other than a member of your family for whom you are responsible.
  • Consequential loss of any kind whatsoever, for example, data wiped from Mobile Equipment, or loss of business income.
  • Loss of or damage to batteries (other than when they are stolen, lost or damaged together with the Mobile Equipment), accessories and car-kits.
  • You must be honest - All dealings about this policy must be done honestly and in good faith. If You are involved in fraudulent behaviour, we will cancel your policy from the date of the fraud You will lose Your right to claim and we will not pay back any premiums we have received. We may also take legal steps to recover any expenses from You. Examples of fraudulent behaviour are giving us false information or documentation about a claim or exaggerating the amount of a claim.
  • You must be a resident in South Africa to be covered in terms of this policy.
  • The number on the SIM card issued with the Mobile Equipment at time of the contract and recorded at the time the policy was issued must be used with the registered Mobile Equipment at all times in order for cover to be in place
  • The IMEI number on the Mobile Equipment must match the IMEI number that is recorded on the schedule of insurance.
  • The Mobile Equipment must have been used to make or receive a call, or to send or receive an SMS, using the cellular number that was provided at the time the Mobile Equipment was registered, within thirty days of a claim event.
  • If any premium amount (including Your premium under this policy) due to Cell C is outstanding, a claim will not be entertained until the amount owing has been paid in full.
  • The Mobile Equipment must be registered on the Cell C network.
  • Your cover under this policy will end if payment of any premium is not received within the 30 days’ period of grace.
  • You must notify Worldwide Advisory Services if You change or upgrade Your mobile equipment to make sure that You remain covered. If You don’t You will not have any cover under this policy because the IMEI number on the policy schedule will not match Your new mobile equipment. 

Validity and Expiry

Cell C Device Insurance may be cancelled immediately at any point in time by contacting Worldwide Advisory Services directly. 

General

You do not have to take out Cell C Device Insurance. You are free to choose alternative cover of your own choice. 

Anyone helping you in-store is not authorised to give you any recommendation, guidance or advice about whether you should take out the policy. They will give you factual details about the policy, guide you through our brochure and answer any routine questions you may have. If you want financial advice they will give you time to consult your own broker or will give you the Worldwide call centre number so that you can get advice about the financial aspects of the product and its suitability for you. As such, Cell C shall not be liable for any liability, loss(es) and/or damage and/or cost or expense whether direct, indirect and/or of a consequential nature relating directly or indirectly to the insurance. 

It is important that you understand that all customers who make use of the Cell C Device Insurance product indemnify Cell C, its directors, affiliates, members, partners, employees, agents, consultants, suppliers, contractors and sponsors against any loss or damages, either direct, indirect, consequential or otherwise, arising from their use of Cell C Device Insurance and its benefits. 

For more information on the Cell C Device Insurance product, please refer to Worldwide Advisory Services on 084 157 0007.