What are P4L Device Protection Plans (“P4L Plans”)?

• P4L Plans are protection plans designed for a range of eligible products purchased from P4L authorised resellers or other P4L authorised channels ;
• P4L Plans only cover for incidents and claims that can be serviced within the Geographical Limits as mentioned in your Plan document;
• Claims are administered by ZH Middle East DMCC, UAE.

What products are covered under P4L Plans?

The range of eligible products for a P4L Plan include laptops, tablets, mobile phones, desktop computers, Printers and related accessories.

All eligible products must have been purchased by you and owned and used exclusively by you or a member of your family.

Eligible products are covered up to the specified limits based on the P4L Plan you purchased.

P4L Plans

P4L Plans cover your eligible products for the below mentioned,

• Mechanical or Electrical Breakdown, Accidental Damage and Theft by forced entry.

  P4L Plans cover eligible products for mechanical or electrical breakdown, accidental damage and theft by forced entry subject to these terms and conditions and is applicable as long as you are subscribed to the plan:

• P4L plans can be subscribed to within 365 days of the date you purchased your covered product.

• P4L Plan prices are subject to change at the sole discretion of P4L.

• If you choose to pay the Protect4Less Plan fee monthly and you make a claim for a repair we will require you to pay the unpaid part of your Protect4Less Plan fee up to the next anniversary of your Protect4Less Plan to us before we will repair or replace your covered product(s). If you purchased a 12 month Protect4Less Plan we will charge you for the unpaid Protect4Less Plan fee from the date of your claim to the end of your Protect4Less Plan. If you purchased a 24 month Protect4Less Plan and you make a claim during the first 12 months we will charge you for the unpaid Protect4Less Plan fee from the date of your claim to the end of the first 12 month period and subsequently collect the remainder of your Protect4Less Plan fee monthly during the second 12 month period.

Benefit List

P4L Plans coverages and limits are set out below.

Coverage & Limits	Mechanical or Electrical Breakdown	Accidental Damage or Theft
Limit	Purchase price of your covered product	Purchase price of your covered product
Deductible	Nil	Ranges between BHD 5.1/- and BHD 20.6/- *
Number of repairs allowed during the P4L Plan period	Unlimited, subject to the aggregate cost of repairs not exceeding purchase price	1 per Year (Monthly Plan) & 2 per Year (Yearly Plan)
Maximum P4L Plan period including underlying manufacturer warranty period	36 months	24 months
Replacement - in the event your covered product cannot be repaired	Purchase price less depreciation	Purchase price less depreciation less Claim Fees
Reimbursement - in the event your covered product cannot be repaired and it is no longer available	Purchase price less depreciation	Purchase price less depreciation less Claim Fees

* A deductible will apply per accidental damage or theft claim as given below:

Device Purchase Value (BHD)	Deductible (BHD)
Up to 192	5.1
Between 193 and 476	10.3
Between 477 and 761	15.4
Above 761	20.6

How do I make a claim?

If your covered product has suffered any of the covered faults, damages or theft, you must follow any of the below procedures to register the claim:

• Register the claim through P4L website or mobile application. Just log on to your account, go to "My Devices", click on "Open Claim" next to your item and file a claim easily with Protect4Less through our simple step-by-step online process
• Visit the authorised reseller from where you purchased your unit and use their help to register the claim.

Full details of our claims procedure can be found under the How to make a claim section of your P4L Plan.

How do I make a complaint?

If you have a complaint about your P4L Plan any time you should contact customercare@protect4less.com

Full details of our complaints procedure can be found under the General conditions section of your P4L Plan.

How do I transfer my P4L Plan?

If you wish to gift your covered product and your P4L Plan to a third party you should contact ZH Middle East DMCC. You will need to provide evidence that you purchased your covered product.

Terms & conditions

This is your P4L Plan terms and conditions and together with your purchase invoice constitutes your agreement with us.

In return for the full payment for your subscription fees, your covered products will be protected within the terms and conditions set out within your P4L Plan.

Only eligible products purchased through P4L listed resellers/channels can be covered by a P4L Plan.

Definitions

Some of the words in this P4L Plan have specific meanings. These are explained below and have the same meaning wherever they appear in bold throughout this P4L Plan.

Accidental Damage means any externally visible damage to the exterior of your covered product as a result of an external, unexpected, unforeseeable and unintentional impact that causes your covered product to stop working including fluid entering the products internal circuitry and visible cracked screens.

Covered product(s) means an eligible product owned by you or a member of your family.

Depreciation means the amount we will deduct from the purchase price of your covered product in the event that your covered product cannot be repaired or replaced. We will calculate the depreciation by applying 5% to the purchase price per each quarter beginning on the start date as follows:

Quarter	Depreciation
One	5%
Two	10%
Three	15%
Four	20%
Five	25%
Six	30%
Seven	35%
Eight	40%

Eligible product(s) mean only electronic products that fall under the specified categories listed below:

• Desktop computers;
• Hand-held computer equipment including laptops, tablets and phablets,
• Mobile phones;
• Monitors;
• Related Accessories

P4L Plan means this document.

P4L Plan period means the period beginning on the start date and expiring at the end of the additional years subscribed to.

Family means any member of your immediate family who live with you permanently at your home including your husband or wife, your children and/or your parents.

Home means the registered address supplied by you as your permanent place of residence.

Incident means an event or a series of events which result in the mechanical or electrical breakdown or accidental damage of your covered product.

Mechanical or electrical breakdown means the failure of your covered product due to any mechanical or electrical breakdown requiring repair or replacement of your covered product before its normal operation can be resumed.

Fees means the amount payable by you for your P4L Plan.

Purchase invoice means the receipt provided to you when you purchased your eligible product. You must retain your purchase invoice during the P4L Plan period and you may be required to provide this to us when you need to make a claim.

Purchase price means the amount to be paid by you for your covered product excluding any credit charges, delivery charges, interest charges or delivery costs as shown on your purchase invoice.

Start date means:

• Accidental Damage - the date you purchased your covered product as shown on your purchase invoice;

• EW - the expiry date of the expiry of your covered product’s manufacturer warranty but not more than 24 months from the date you purchased your covered product as shown on your purchase invoice.

We, our, us means ZH Middle East DMCC of 3206, Mazaya Business Avenue AA1, Jumeirah Lake Towers, Dubai, UAE who is the administrator of your P4L Plan.

You, your means an individual paying the Fees for the Covered Product including the individual’s family who purchased your covered product.

What is covered under your P4L Plan?

• Cracked Screen.
• Cracked Back Glass
• Failure of touchscreen or display.
• Liquid Damage.
• Speaker/Microphone or Audio failure.
• Charging port failure
• Keyboard Failure
• Hard Disk failure
• Theft by forced entry
• Accidental loss/accidentally lost

Mechanical or electrical breakdown

If your covered product suffers mechanical or electrical breakdown (Failure of Charging port, Speaker, Audio, Touchscreen) which occurs during the P4L Plan period outside of the manufacturers guarantee period, we will arrange for the repair of your covered product through our repair partner network.

If it is not possible for us to repair or it is uneconomical for us to repair your covered product, we will replace your covered product.

If your covered product model is no longer available we will reimburse you for the purchase price less depreciation with a voucher that you will be able to use at an authorised reseller.

Mechanical or electrical breakdown – What is not covered

Mechanical or electrical breakdown:

• covered by a manufacturer’s recall of your covered product;
• occurring during the manufacturer’s warranty period of your covered product;
• caused by mis-using your covered product, failure to follow the manufacturer’s instructions or overcharging your covered product e.g. bloated batteries;
• caused by any form of portable external storage media including but not limited to memory cards, USB memory sticks or other digital recording equipment used with your covered product;
• caused by wear and tear, rusting or other gradual deterioration due to normal use of your covered product;
• caused by your failure to follow the manufacturer’s instructions for your covered product;
• caused by any software or data installed on your covered product such as telephone numbers, ringtones, music, pictures, applications or videos;
• caused as a result of a virus;
• caused due to rooting, jailbreaking or installing custom ROMs or other software that may affect your covered product’s hardware;
• caused by any unauthorized repair or modification to your covered product undertaken by any unauthorised third-party repairer.

Accidental damage

If your covered product suffers accidental damage during the P4L Plan period we will arrange for the repair of your covered product through our repair partner network. You will be liable to pay the Claim Fees before collection after repairs of your covered product.

If it is not possible for us to repair or it is uneconomical for us to repair your covered product we will replace your covered product. You will be liable to pay the Claim Fees before collection of the replaced unit.

If your covered product is no longer available we will reimburse you for the purchase price less depreciation and the Claim Fees with a voucher that you will be able to use at any P4L authorised retail outlet or channel.

Theft by forced entry

Theft by forced entry, If the covered product is stolen during the Period of Insurance, whilst the product is within the Geographical Limits, We will replace the product with product of the equivalent general specification and subject to the conditions and exclusions set out in policy.

What is not covered

• The claim is covered by a manufacturer’s recall of your covered product;
• Failure of Touchscreen or display occurring during the manufacturer’s warranty period of your covered product;
• caused by mis-using your covered product, failure to follow the manufacturer’s instructions or overcharging your covered product e.g. bloated batteries;
• caused by wear and tear, rusting or other gradual deterioration due to normal use of your covered product;
• caused by your failure to follow the manufacturer’s instructions for your covered product;
• caused as a result of a virus;
• caused due to rooting, jailbreaking or installing custom ROMs or other software that may affect your covered product’s hardware;
• caused by any unauthorized repair or modification to your covered product undertaken by any unauthorised third-party repairer.
• caused by a deliberate act or your negligence;
• caused by storing your covered product in locations where in our opinion there was a high risk of accidental damage;
• caused by wear, tear and routine discolouring due to age of your covered product; or
• to your covered product whilst it was being used by someone else other than you or a member of your family;
• cosmetic accidental damage such as surface scratches or dents to your covered product which do not affect the functionality of your covered product.
• Theft of the Equipment whilst kept in an unattended motor vehicle unless the vehicle is locked.
• Theft of the Equipment left on any motor vehicle
• Theft of the Equipment whilst on/in any form of public conveyance or public place unless the Equipment is taken from You by actual or threatened force.
• Theft of the Equipment whilst on hire or loan to any third party other than any authorized user as agreed by Us.
• The loss of device(s) where the circumstances of accidental loss cannot be clearly identified.
• Theft to any additional equipment or accessories including but not limited to carrying cases, battery chargers (other than those supplied as original Equipment with the Equipment, and identified from the policy schedule or additional equipment as identified on the policy schedule), hands free mounting kit or external antennae.
• Loss of use of the Equipment or consequential loss of any kind. Which means any additional costs You incur above the actual repair or replacement cost of the Equipment.
• Theft arising outside of the Geographical Limits.
• Any Associated charges levied by any provider to You.
• The value to you of data stored on the device.

General exclusions

We will not pay for:

• any incident occurring outside the plan period;
• any depreciation or claim fees applicable;
• routine servicing, inspection, maintenance, dismantling or cleaning of your covered product
• any claim where you are unable to provide proof of purchase of your covered product.
• any claim where the serial number of your covered product or the IMEI number for your mobile phone has been removed or tampered with in any way;
• any claim for a mobile phone or any other SIM-enabled product where your covered product wasn’t connected to a relevant network when the incident occurred, or in the period prior to the incident;
• any incident which is not reported to us within 15 days of discovery;
• any costs suffered by you as a result of not being able to use your covered product or any costs other than the repair or replacement cost of your covered product.
• any claim arising from the confiscation, requisition or destruction of your covered product by any government, public or legal authority;
• any damage caused by war, terrorism, invasion, revolution or any similar event; and
• any covered product which has been used for commercial purposes.

Specific conditions applying to Theft cover

a) The possible or actual Theft of the Equipment must be reported as soon as is practicable to the Administrator or Your Introducer. If the Equipment is subsequently retrieved or returned it will become Our property.

b) You must, as soon as is practicable, and in any case within 24 hours of discovering the Theft, report the occurrence to the Police or other relevant authority and obtain an incident report number.

c) New Sim Card application reference to the Telecom Operator for Mobile Phones, Tablets or Products with a Sim Card.

Please Note:

Any “Find my Device” features available through your Product manufacturer has to be activated, and in the event of a Theft, this feature, or, any other feature available will be used to deactivate/ disable your device.

Specific conditions in relation to Replacements.

In the event your device needs replacement, due to any of the conditions mentioned above, we are liable to provide a replacement with a region specific device authorised by the TRA or any regulatory authority only. Even if your affected device was from a different region and had additional features, the replacement provided will be as per local laws and may have lesser features than your original device.

Free Trial

Free Trials are offered for limited periods of time on some Protect4less plans in certain markets. If you purchase a protection plan during a free trial offer, then the plan subscription charge will be applied only after the free trial period is over.

How to make a claim

• If you believe that your covered product has suffered a mechanical or electrical breakdown, accidental damage or Theft by forced entry, you can register the claim in multiple ways as mentioned in the subscription plan.
• You will be asked to provide information regarding the incident in order that we can carry out an initial assessment of your claim. It may be possible that we will be able to rectify the problem over the telephone or in a P4L authorised retail outlet.
• Evidence of ownership of device will need to be provided at point of claim.
• If it appears that your covered product will require a repair or replacement you will be asked to complete an online claim form and give permission to us to service your claim.
• We will review your claim form and we may ask you to provide further information by email.
• We will handle all claim notifications within 48 hours.

Portable covered products

If your covered product is portable you have the option to

• Take your covered product to your nearest P4L listed retail outlet or P4L listed service centre.
• Drop off the product at a P4L listed collection centre.
• Avail of a pick and drop facility provided by P4L listed service partners.


1. If it is not possible to repair your covered product we may decide to replace your covered product.
2. If we cannot replace your covered product we will reimburse you for the purchase price less depreciation.

Non-portable covered products

We will arrange for a repairer to visit your home to assess your covered product and if in the opinion of the repairer it has suffered a mechanical or electrical breakdown or accidental damage we will attempt to repair your covered product at your home.

If it is not possible to repair your covered product at your home we may take your covered product away to repair it or we may decide to replace your covered product.

If we cannot replace your covered product we will reimburse you for the purchase price less depreciation.

• We will endeavour to complete all claims within 14 working days from the date of your initial notification. We will inform you in advance of any delays which may arise if, for example, spare parts for your covered product are temporarily unavailable..
• If spare parts are not available and we are unable to repair your device within 14 working days we will provide you a standby device unit and/or we will replace your covered product.
• If we replace your covered product or reimburse you for the purchase price less depreciation less any Claim fees, your damaged covered product will become the property of P4L.

General conditions

1. Subscription fee
   

   You must pay the subscription fees to us unless your P4L Plan is cancelled by you or by us.

   If you fail to pay the Fees when due, we may terminate your P4L Plan

   In the event where payment of Membership Fees has been irregular or intermittent (when paying via your Mobile Operator, for example) the number of days of unpaid Membership fees will either be collected at the time of making a claim or will be deducted from the Total number of Coverage Days provided.

2. Reasonable precautions
   You must at all times maintain you covered product in a good state of repair and you must take all reasonable precautions to guard against its mechanical or electrical breakdown or accidental damage.

3. Other plans policies
   If at the time of an incident you have other plans policies for your covered product, we will only pay our share of the claim.

4. Cancelling your P4L Plan
   You may cancel your P4L Plan at any time, for any reason logging into your account. Protect4Less incurs various costs to arrange and provide device protection coverage right from the beginning hence there is no refund upon cancellation of a plan.
   We may cancel your P4L Plan at any time by giving you 14 days’ notice in writing to your email address registered with us in respect of the remaining period of your P4L Plan.

5. Our right to recover from others
   If we pay any benefit to you under this P4L Plan we are entitled to recover such amounts from other parties or persons and by accepting benefits from us under this P4L Plan you agree to transfer your rights of recovery against any other party or person to us. You must do everything necessary to secure these rights and you must do nothing that would jeopardise them.

6. What to do if you need to make a complaint
   If you are dissatisfied with our service and wish to complain please contact us:

   Email: customercare@protect4less.com;

   We aim to promptly solve your problems you may have at the initial point of contact. Our Customer Services staff are fully trained to deal with your complaint quickly and efficiently.

   However, you should inform us that you are dissatisfied with the response you have received.

   Your complaint will then be escalated to our Customer Relations Team who will aim to resolve your complaint within two working days of receiving your complaint, where possible. If our Customer Relations Team cannot resolve your complaint within this time, we will write to you within five working days and endeavour to resolve the problem within 14 days.

7. Fraud
   If you or a member of your family or anyone acting on your behalf makes a false or fraudulent claim or supports a claim with false or fraudulent documents or statements including inflating or exaggerating a claim, you will lose all benefits and your premium you paid for your P4L Plan. We will record this on anti-fraud databases and we may also notify other organizations. We may also recover any benefit we have already paid to you under your P4L Plan.

8. Law
   UAE law will apply to your P4L Plan.

9. Language
   The language of your P4L Plan and all communications relating to it will be English.

10. Government authority
    Neither party to your P4L Plan shall have the right or authority to create any obligation, warranty, representation, or responsibility, expressed or implied, on behalf of the other party, to bind the other party in any manner whatsoever, in so far as any other party is concerned, outside of the terms, conditions and stipulations of your P4L Plan, unless otherwise advised by the concerned Government authorities.