What are P4L Device Protection Plans (“P4L Plans”)?
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 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.
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|
Ranges between USD 13.4/-
and USD 54.2/- *
|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 (USD)||Deductible (USD)|
|Up to 504||13.4|
|Between 505 and 1253||27|
|Between 1254 and 2003||40.6|
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:
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 firstname.lastname@example.org.
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.
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:
Eligible product(s) mean only electronic products that fall under the specified categories listed below:
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?
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:
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
We will not pay for:
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.
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 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
Portable covered products
If your covered product is portable you have the option to
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.
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.
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.