Does this mean the sim card is not covered if it is not in a mobile when lost damaged. Or does it mean if you do not have a sim in your phone, then your phone is not covered?

WHAT WE WILL NOT COVER

Your electronic equipment is not covered for:

1. Theft:

• from any commercial vehicle, convertible or soft top vehicle;

• from any motor vehicle where you or someone acting on your behalf is not in the vehicle, unless the electronic

equipment has been concealed in a locked boot, locked glove compartment or other locked internal compartment

and all the vehicle’s windows and doors closed and locked and all security systems have been activated;

• from any building, land or premises unless force, resulting in damage to the building or premises, was used to gain

entry or exit;

• from your control or the control of any member of your immediate family, except where it has been concealed

either on or about the person and not left unattended, or the use of physical force or violence against the person has

been used or threatened;

• where the electronic equipment has been left unattended when it is away from your home;

• where reasonable precautions have not been taken;

• if the serial number has been tampered with in any way.

2. Loss or damage caused by:

• you deliberately damaging or neglecting the electronic equipment;

• you not following the manufacturer’s instructions;

• routine servicing, inspection, maintenance or cleaning;

• the use of accessories.

• if left on any motor vehicle roof, bonnet or boot;

3. Repair or other costs for:

• routine servicing, inspection, maintenance or cleaning;

• loss caused by a manufacturer’s defect or recall of the electronic equipment;

• replacement of or adjustment to fittings, control knobs or buttons, batteries or aerials;

• repairs carried out by persons not authorised by us;

• wear and tear or gradual deterioration of performance.

• Cosmetic damage of any kind.

4. Any kind of damage whatsoever unless the damaged electronic equipment is provided for repair.

5. Any loss involving a SIM (subscriber identity module) card.

6. Any expense incurred as a result of not being able to use the electronic equipment, or any loss other than the

repair or replacement costs of the electronic equipment unless relating to unauthorized call use for your mobile

phone up to the maximum value of £100.

7. An excess fee for all claims which must be paid before your claim can be approved. If your claim is for a laptop,

there is a £75 excess fee for each claim within the UK and £100 for any international claim.

If your claim is for an iPhone, the excess fee is £100 for any claim. For all other items, there is an excess fee of £25

for theft / damage claims and £50 for loss claims (mobile phones only) and £75 for international claims.

8. Loss of or damage to accessories of any kind.

9. Any loss or damage caused by the failure of any electrical or computer equipment, software, micro-controller,

microchip, accessories or associated equipment to correctly recognise and process any calendar date or time.

10. If a SIMcard was not in a mobile phone at the time of the loss, damage or theft that was registered to you.

11. Reconnection costs or subscription fees of any kind.

12. The cost of replacing any personalised ring tones or graphics, downloaded material or software.

Please note: if you are insuring an item without SIM card capability, all exclusions relating to SIM cards are

not applicable.

13. War Risk

M y thoughts are that it relates to the phone or item with sim functionality-which is why presumably they add the clause at 12..