When the Underwriter settles a claim for the replacement of an item, or where the sum insured is used up in its repair, the premium for that item will be deemed to have been utilised and all cover on that item will cease with immediate effect. In the unlikely event that you may wish to make a complaint, this should be directed to T H March. The complaints procedure is detailed in your insurance documentation. Anywhere in the United Kingdom (including the Isle of Man and the Channel Islands), plus up to thirty (30) consecutive days elsewhere.

Any insured person who is not a UK resident, loss from baggage unless being carried by the insured person, any items stolen from an unattended vehicle, any loss from wear and tear, gradual deterioration, mechanical or electrical breakdown or cleaning and renovation. Cover beyond the period of this insurance may be arranged through T H March & Co Limited or via www.thmarch.co.uk The insurance covers you against accidental loss, damage or theft. Items are covered Nation wide and up to 30 consecutive days abroad each year the insurance runs, in the event you wish to make a claim and the claim is accepted, you won't have to pay any excess fees. If you wish to make a complaint you can do so at any time by referring the matter to either: The Customer Services Department, Underwriters at Lloyd’s are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Further details can be found on the Financial Services Register at www.fca.org.uk/registerUnderwriters at Lloyd’s are members of the Financial Services Compensation Scheme. You may be entitled to compensation from the Scheme if the Underwriters are unable to meet their obligations to you under this contract. If you were entitled to compensation under the Scheme, the level and extent of the compensation would depend on the nature of this contract. Further Information about the scheme is available from the Financial Services Compensation Scheme 10th Floor, Beaufort House, 15 St. Botolph Street, London EC3A 7QU.

All products arrive with an official manufacturer's warranty, this insurance option is added protection against accidental loss, damage or theft. Any cost of repair or replacement which would improve an insured item beyond its condition immediately before the occurrence of the loss or damage leading to a claim being made.If you (the Assured) make any claim knowing it to be false or fraudulent in respect of any loss or the amount involved, this claim could be declined and all future claims made under it could be forfeited. Every one of these individually handcrafted charms PANDORA jewellery creates is made from high-quality components, including sterling silver (92.5% pure silver), oxidised sterling silver, Pandora Rose (a 14kt rose gold-plated unique metal blend), Pandora Shine (18kt gold-plated unique metal blend) and solid 14kt gold. If you are unhappy with the way your claim is being handled you should follow the procedure shown overleaf to make your complaint. Unless specifically agreed in writing by the Underwriters this insurance shall be governed by the laws of England and subject to the exclusive jurisdiction of the UK Courts. It is important you read the certificate as this details the terms, conditions and any restrictions in cover.