It is a condition of the hire purchase agreement that your product(s) must be insured against loss caused by accidental damage, fire and theft.
You are free to choose where to purchase your insurance which may include:
- Home contents insurance
- Gadget insurance
You will be required to provide an up to date policy schedule before you take delivery of the goods.
Alternatively, Product Insurance Cover is available. The insurance is provided by Caversham Insurance (Malta) Limited. Caversham Insurance (Malta) Limited is authorised by the Malta Financial Services Authority and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority. Details about the extent of our regulation by the Financial Conduct Authority and Prudential Regulation Authority are available from us on request. We operate in the UK through our insurance intermediary, Caversham Finance Limited (trading as BrightHouse), 5 Hercules Way, Leavesden Park, Watford, Hertfordshire. Caversham Finance Limited, trading as BrightHouse, is authorised and regulated by the Financial Conduct Authority under firm reference number 695094, with permission to carry on credit-related regulated activities and to act as an insurance intermediary. You can check this on the FCA’s Register by visiting the FCA’s website www.fca.gov.uk/register/ or by contacting the FCA on 0800 111 6768.
What is Product Insurance Cover?
Product Insurance Cover provides cover for loss arising from the theft of your hire purchase goods or any loss or damage to them caused by fire or accident. It does not cover you if you lose the product.
It does not cover loss or damage to anything other than hire purchase goods provided by BrightHouse.
Policy Conditions Summary
How to make a claim
Please contact your local store who will be able to process your claim.
If the claim is as a result of loss due to fire or theft, please ensure you have a fire report or crime reference number as applicable. We will not be able to process your claim without these.
If you would like a paper copy of your policy documentation, please contact your local store or Customer Relations on 0800 526 069.