These terms apply to the gadget insurance offered on theioutlet.com, including the offer of two months’ free cover. The policy itself is set out in the Policy Wording and the Insurance Product Information Document. If anything on this page conflicts with the Policy Wording, the Policy Wording applies.
The insurance is arranged and administered by Warranty & Creditor Services, which is authorised and regulated by the Financial Conduct Authority. It is underwritten by Novus Underwriting Limited on behalf of Collinson Insurance, a trading name of Astrenska Insurance Limited (FCA Firm Reference Number 202846).
The iOutlet is a trading name of James Green Limited, Unit 37A Sisna Park, Sisna Park Road, Plymouth PL6 7FH, registered in England No. 08437263.
James Green Limited are an authorised agent of Mark Stuart Andrews t/a Warranty & Creditor Services. We are not the insurer and we do not administer your policy.
We do not give advice or a personal recommendation on whether this insurance suits you. Please read the Insurance Product Information Document and the Policy Wording to decide whether the cover meets your needs.
The insurance is optional. You do not have to take it to buy from us or sell to us, and turning it down does not change your order or the price you pay.
When you take out cover through our website, there is nothing to pay for the first two months. After that, the monthly premium shown to you before you agreed is collected by Direct Debit by Warranty & Creditor Services, not by us, and appears on your bank statement as “Warranty&Creditor”.
To be eligible you must:
If you buy a device from us, the policy starts when your order is dispatched. If the order is cancelled before dispatch, no policy is created.
If you sell a device to us, the cover is for a device you are keeping, not the one you are sending us. The policy is set up when you place your trade-in.
One policy covers one gadget. We may change or withdraw this offer at any time, which does not affect a policy that has already started.
Cover includes accidental and malicious damage, liquid damage, theft, and breakdown after the manufacturer’s or retailer’s warranty has ended. Accidental loss is covered for mobile phones, iPads and tablets only. The policy also includes worldwide cover on trips of up to 90 days and the Gadget Helpline.
An excess applies to every claim, with an extra £25 on accidental loss claims. The monthly premium and the excess for your gadget are shown before you agree to take out cover. Full details of what is and is not covered, including all exclusions, are in the Policy Wording.
Devices we sell come with our 12-month warranty. A fault during that time is handled by us under the warranty, and breakdown cover applies after the warranty ends.
The policy is a monthly rolling contract with no minimum or maximum term. It continues for as long as the premium is paid.
You can cancel within 14 days of the policy being issued or of receiving the policy terms, whichever is later, for a refund of anything you have paid, provided no claim has been made. You can cancel at any time after that, but no money will be refunded.
To cancel, contact Warranty & Creditor Services. We cannot cancel a policy on your behalf. They will give you at least 30 days’ written notice before changing the price or the cover.
Returning a device you bought from us does not cancel your insurance. If you return a device for a refund, contact Warranty & Creditor Services to cancel your policy. Otherwise the policy and the Direct Debit will continue.
If we send you a replacement device, contact Warranty & Creditor Services so your policy can be updated, as a replacement may have a different IMEI or serial number.
Cancelling your insurance does not affect your rights under our terms and conditions, including our returns policy and warranty. This cover is different from our Screen Cover Plan, which is provided by us.
To set up your policy we pass the following to Warranty & Creditor Services:
Warranty & Creditor Services and the insurer use this information as described in the privacy notice in the Policy Wording. We handle it as set out in our privacy policy.
Claims, questions about your cover, cancellations and complaints about the insurance should go to Warranty & Creditor Services:
If you are unhappy with how Warranty & Creditor Services handle your complaint, you may be able to refer it to the Financial Ombudsman Service. Details are in the Policy Wording.
If your complaint is about how the insurance was offered on our website, contact us at support@theioutlet.com and we will work with Warranty & Creditor Services to resolve it.
James Green Limited is not a lender and acts only as an introducer. The credit product is provided by Klarna Bank AB (publ). Credit is only available to permanent UK residents aged 18 and over, depending on their status. Terms and conditions apply.
Please note Pay in 30 days and Pay in 3 instalments is not regulated by the FCA. Borrowing beyond your means could seriously affect your financial status, ensure you can afford to make your repayments on time by the due date.
James Green Ltd, trading as The iOutlet, is an appointed representative of Product Partnerships Limited which is authorised and regulated by the Financial Conduct Authority. Product Partnerships Limited’s FCA registration number is 626349 and its address is Second Floor, Atlas House, 31 King Street, Leeds LS1 2HL. Product Partnerships Limited’s permitted business is to act as a Principal for a network of Appointed Representatives who arrange regulated credit facilities for customers who are purchasing goods from them.
à.r.l et Cie, S.C.A., 22-24 Boulevard Royal L-2449, Luxembourg (FRN: 470235). We do not receive any commission for this activity. You may be able to obtain finance for your purchase from other lenders and you are encouraged to seek alternative quotations. If you would like to know how we handle complaints,
please ask for a copy of our complaints handling process. You can also find information about referring a complaint to the Financial Ombudsman Service (FOS) at financial-ombudsman.org.uk.
We also offer unregulated Credit agreements:
Klarna. Please note that Pay in 3 instalments and Pay in 30 days is not regulated by the FCA. Please use these products responsibly and ensure you can make repayments on time. Finance is subject to status. T&Cs and eligibility apply. Failure to make repayments on time may negatively impact your ability to use Klarna’s products in future.
Clearpay. please use responsibly. Clearpay lends you a fixed amount of credit so you can pay for your purchase over 4 instalments, due every 2 weeks. You must be 18+ and a permanent UK resident (excl Channel Islands). T&Cs and other eligibility criteria apply. Late fees apply.
PayPal. Pay in 3 is an unregulated credit agreement, so you will have fewer protections than under a regulated credit agreement. Consider if the purchase is affordable and how you will make repayments. Missing payments may make other borrowing more difficult or more expensive. Pay in 3 eligibility is subject to status and approval. 18+ UK residents only. See product terms for more details. You can use Pay in 3 on purchases £20.00 – £3,000.00.
Please click to view our Financing Initial Disclosure Document (IDD).
