Device Protection Plan

This Device Protection Program (the “Program”) is a managed protection and service arrangement administered by Authorized Partner in collaboration with Underwriting Partner. SureCover L.L.C. – FZ (“Underwriting Partner”) which is the sole risk-bearing and underwriting entity for the Program. The Authorized Partner acts solely as administrator and distributor for the purpose of this Agreement and shall not bear any risk whatsoever with respect to the Program. The Program is not an insurance policy sold directly to the Customer. Participation is subject to these Terms & Conditions (“T&Cs”).

1.
Definitions
1. 1.1.
  “Applicable Law” means all laws, regulations and binding guidance of Islamic Republic of Pakistan.
2. 1.2.
  “Customer” means the purchaser named on the original valid invoice who has legal capacity to contract and who registered the Covered Device.
3. 1.3.
  “Covered Device” means a new, PTA-approved Apple iPhone purchased via Authorized Partner’s Authorized Sales Channels and validly registered under the Program.
4. 1.4.
  “Device” shall mean the mobile handset identified by its model and IMEI/serial number, as manufactured and supplied by the original equipment manufacturer (“OEM”), including its original chassis, internal components, embedded firmware and factory-installed operating system, together with items originally supplied in the OEM’s retail box at first sale. For the avoidance of doubt, the Device excludes third-party accessories, add-ons, peripheral equipment and non-original replacement parts unless expressly covered under the Program.
5. 1.5.
  “EW” / “Extended Warranty” means the Program’s manufacturer-defect coverage in Months 13–24.
6. 1.6.
  “IMEI” (International Mobile Equipment Identity) shall mean the unique numerical identifier assigned by the original equipment manufacturer to a mobile device for the purpose of identification and network authorization, as recorded on the device hardware, packaging and associated electronic records.
7. 1.7.
  “LD” / “Liquid Damage” means accidental liquid ingress materially affecting device function.
8. 1.8.
  “AD” / “Accidental Damage” means sudden, unintentional external damage occurring in ordinary personal use.
9. 1.9.
  “PKR” shall mean lawful currency of Islamic Republic of Pakistan.
10. 1.10.
  “Registration” means successful enrolment of a Covered Device under the Program, completed only upon Authorized Partner’s confirmation, and is a condition precedent to coverage.
11. 1.11.
  “Service Partner” means the repair/inspection entities appointed by Underwriting Partner (Apple-authorised where required).
12. 1.12.
  “Underwriting Partner” means SureCover, the named sole risk-bearer. SureCover shall be the sole underwriting and risk-bearing entity for the Program. All underwriting, payment, indemnity and final loss-settlement decisions (including approvals for WUR) are vested exclusively in SureCover.
13. 1.13.
  “Working Condition” means the device powers on, displays visual output, and permits basic system navigation at intake (ability to unlock, access home screen and navigate menus). Devices failing the Working Condition test at intake are deemed total loss and are excluded from AD/LD.
2.
Eligibility and Registration
1. 2.1.
  Eligibility- The Device must be new, unused, PTA-approved, purchased from an Authorized Sales Channel, in Working Condition at registration and registered within 30 calendar days of Handset Activation.
2. 2.2.
  Registration is complete only upon Authorized Partner’s written/electronic confirmation. Registration is a condition precedent to any entitlement under these T&Cs.
3. 2.3.
  Underwriting Partner may void registration for misrepresentation, fraud or non-compliance.
3.
Coverage Periods & Reporting
1. 3.1.
  Accidental Damage / Liquid Damage (AD/LD) Coverage shall commence from the handset activation date and shall remain valid for a continuous period of twelve (12) months thereafter, unless terminated earlier in accordance with the terms and conditions of this policy. Coverage shall apply only to incidents occurring within the said twelve-month coverage period.
2. 3.2.
  Extended Warranty (EW) Coverage shall commence immediately upon expiry of the initial warranty and/or AD/LD coverage period, i.e., from Month 13 calculated from the handset activation date, and shall remain valid through Month 24. EW Coverage shall apply solely to eligible warranty claims arising during the said period, in accordance with the terms and conditions of this policy.
3. 3.3.
  All incidents (AD, LD, EW defects) must be reported to Underwriting Partner within seven (7) calendar days of the date the Customer becomes aware of the event. Late reporting may be a ground for denial where investigation is prejudiced.
4. 3.4.
  Coverage is personal to the Registered Customer and is strictly non-transferable. Any sale, assignment, novation or change of legal title of the Covered Device without Underwriting Partner’s prior written consent shall immediately suspend and if not remedied within 30 days, terminate coverage.
4.
Incident Notification and Reporting Timeline
1. 4.1.
  Each Covered Device is eligible for AD/LD claim during the AD/LD Period. All AD/LD payable items (including front glass, back glass and liquid damage) are pooled against the aggregate cap of PKR 150,000. Liquid Damage is subject to a sub-limit of PKR 30,000 within the aggregate cap. No separate sub-limits shall apply to front glass or back glass unless expressly stated.
2. 4.2.
  Aggregate Cap: The PKR 150,000 aggregate cap per device is absolute and is the maximum total liability of the Program for that device irrespective of actual repair, replacement or retail costs.
3. 4.3.
  Liquid sub-limit: Liquid Damage repairs are subject to a PKR 30,000 sub-limit within the Aggregate Cap. No further component bifurcation applies.
4. 4.4.
  Remedy & settlement: AD/LD is provided repair-only and in-kind. No cash payments and no Whole Unit Replacement (WUR) are available for AD/LD claims. WUR is strictly limited to EW (Clause 6) subject to Underwriting Partner approval.
5. 4.5.
  Working Condition & total loss: AD/LD claims are admissible only where the device meets Working Condition at intake. Devices that are non-functional or internally destroyed at intake are excluded from AD/LD.
6. 4.6.
  Structural deformation exclusion: Devices exhibiting bending, chassis warping, frame distortion or permanent deformation are excluded from AD/LD.
5.
Extended Warranty (EW) and WUR
1. 5.1.
  EW covers manufacturer defects first manifesting in Months 13–24, subject to exclusions.
2. 5.2.
  EW excludes AD/LD, cosmetic wear, misuse, unauthorized repairs and software/data loss.
3. 5.3.
  WUR under EW: WUR may be authorised only under EW after technical assessment and Underwriting Partner approval. If approved, the Customer pays a 30% participation fee of Authorized Partner’s prevailing replacement value; the remainder is governed by underwriting decision. WUR under EW is in-kind (replacement may be new or refurbished). WUR is excluded for AD/LD. Whole Unit Replacement is available only under the Extended Warranty (EW) and only with Underwriting Partner’s prior written approval.
6.
Claims Procedure & Required Documentation
1. 6.1.
  Claims must be submitted through Underwriting Partner’s prescribed channels. Claim intake requires presentation of: (a) original sales invoice; (b) registration confirmation; (c) device IMEI/serial; (d) device for inspection; and (e) the original manufacturer’s retail box. Claims without the original retail box are ineligible unless Underwriting Partner expressly waives this requirement in writing.
2. 6.2.
  Underwriting Partner may request additional evidence (photographs, diagnostics, forensic reports). Failure to cooperate, produce requested materials or provision of false information is grounds for denial and recovery.
3. 6.3.
  Processing fee of PKR 15,000 is payable prior to repair initiation. If collected prior to claim approval, such fee will be held pending approval and will be refunded within fourteen (14) calendar days if the claim is rejected prior to repair initiation. Once repair initiation has commenced, the processing fee is non-refundable.
7.
Repair, Parts & Salvage
1. 7.1.
  Repairs shall be performed only by Underwriting Cover appointed Service Partner(s). Use of non-appointed providers voids the Claim. Repairs carried out under this Program may include a limited workmanship warranty of up to thirty (30) days on replaced parts or repair services, limited solely to defects arising from the repair process itself. This warranty does not extend, revive or enhance Extended Warranty coverage.
2. 7.2.
  OEM parts are used where available; Underwriting Partner may authorise OEM-equivalent parts when OEM parts are unavailable. Use of approved compatible parts does not void future EW entitlement but may result in cosmetic differences.
3. 7.3.
  Replaced parts and surrendered devices become the property of Underwriting Partner for salvage, analysis and subrogation.
8.
Exclusions
1. 8.1.
  Exclusions shall include theft/loss; intentional acts, gross negligence or abuse; commercial/rental use; unauthorized repairs/modifications; pre-existing defects; normal wear & tear; acts of God, war, civil commotion; electrical misuse; software/data loss; accessories; structural deformation (bending); and any other exclusions set out in these T&Cs.
9.
Liability, Subrogation & Settlement Method
1. 9.1.
  Aggregate Cap: PKR 150,000 per Covered Device for AD/LD is the maximum liability of Program and Underwriting Partner in its capacity as Underwriting Partner. EW liabilities are as per Clause 6 and underwriting. Authorized Partner shall have no payment, indemnity or underwriting obligation in respect of claims under this Program.
2. 9.2.
  Settlement method: All AD/LD settlements shall be in-kind (repair, parts or replacement device that powers on and meets Working Condition). No monetary (cash) settlement shall be payable for AD/LD under this Program, regardless of repair cost or retail replacement price.
3. 9.3.
  Subrogation: Underwriting Partner/Authorized Partner are subrogated to Customer rights against third parties; Customer shall cooperate in enforcement.
10.
Data, Privacy & Consent
1. 10.1.
  By participating, the Customer expressly consents to Underwriting Partner sharing device and claim data (including IMEI/serial, diagnostics and invoices) with Service Partner(s) for fulfilment, underwriting, fraud prevention and regulatory compliance.
2. 10.2.
  Underwriting Partner will process personal data in accordance with its privacy policy and Applicable Law; data retention and cross-border transfers will be subject to appropriate safeguards.
11.
Administration, Amendment & Transferability
1. 11.1.
  Administration: Authorized Partner administers registration, intake and fulfilment; Underwriting Partner underwriting, acceptance, service and payment decisions.
2. 11.2.
  Amendments: Authorized Partner may amend these T&Cs. Material adverse changes affecting registered devices will be notified 30 days in advance, except where immediate change is required by law. Material adverse changes to coverage, aggregate limits or claim settlement mechanics shall not be effective for already-registered Covered Devices without the express consent of Underwriting Partner and at least 30 days’ prior notice to affected Customers, except where immediate change is required by law.
3. 11.3.
  Non-transferable: The Program and Coverage is personal to the Registered Customer and is strictly non-transferable. Any sale, assignment or change of legal title (absent Underwriting Partner’s prior written consent) suspends/terminates coverage.
12.
Governing Law & Dispute Resolution
1. 12.1.
  These T&Cs are governed by the laws of the Islamic Republic of Pakistan. Authorized Partner and/or Underwriting Partner, as applicable may seek injunctive relief or elect forum/arbitration for disputes; Nothing herein prevents Authorized Partner or Underwriting Partner seeking interim relief in any competent forum.
2. 12.2.
  The Customer acknowledges and agrees that this Program is a managed protection and service arrangement and does not constitute an insurance policy or insurance program. Nothing in these Terms & Conditions shall be construed as creating an insurance relationship between the Customer and Authorized Partner or Underwriting Partner.
13.
Miscellaneous
1. 13.1.
  The Program is a managed protection arrangement; these T&Cs, the registration confirmation and claim forms constitute the entire agreement.
2. 13.2.
  Force majeure, notices, severability, assignment, and survival clauses apply in standard form.
3. 13.3.
  For underwriting matters, Underwriting Partner’s underwriting rules and decisions are determinative subjects to Applicable Law.