PROTECTION

EXTEND YOUR WARRANTY AND

PROTECT YOUR MOBILE PHONES

PROTECTION

SMART PROTECTION

FOR SMARTPHONES

LOSS THEFT DROPS SPILLS DEFECTS

2 3

PLAN CLAIM LIMITS

There is a limit of 3 claims within a rolling 24 months.

SERVICE FEE (for phones under $799.99) $149.99

A Service Fee will apply to all claims and the amount shall be based

on the non-discounted Best Buy retail price of the covered device at

the time of purchase. This Plan excludes the following from coverage:

accessories, defects that are covered during the manufacturer’s

warranty period, defects or damage caused by abuse, misuse, or

complete liquid submersion. Coverage for Drops and Spills is also

referred to as Accidental Damage from Handling (ADH). See the Plan

summary on pages 10-11 of this brochure and the complete Plan

terms and conditions for further details.

Drops, Spills & Cracks

Wear & Tear

Mechanical Failure

One Battery Replacement

GEEK SQUAD DROPS, SPILLS &

DEFECTS PROTECTION

GEEK SQUAD

DROPS, SPILLS & DEFECTS PROTECTION

GEEK SQUAD

COMPLETE PROTECTION

MANUFACTURER’S WARRANTY

THE GEEK SQUAD

PROTECTION PLANS

EXTEND YOUR WARRANTY &

ENHANCE YOUR COVERAGE.

$199.99SERVICE FEE (for phones $799.99+)

PLAN CLAIM LIMITS

There is a limit of 3 claims within a rolling 24 months

for drops, spills, cracks, mechanical failure, wear,

tear or battery replacement.

If the claim is for loss or theft, there is a limit

of 2 claims within a rolling 12 months.

A Deductible will apply to all Loss and Theft insurance claims and the

amount shall be based on the non-discounted Best Buy retail price of

the covered device at the time of purchase. Loss and Theft insurance

can also be purchased separately - not part of a Geek Squad Complete

Protection Plan.Loss and Theft insurance is provided by AIG. See the

summary on page 12 of this brochure for further details.

Loss & Theft

AND

GEEK SQUAD

COMPLETE PROTECTION

PER

MONTH

Drops, Spills & Cracks

Wear & Tear

Mechanical Failure

One Battery Replacement

SERVICE FEE (for phones under $799.99) $149.99

$199.99SERVICE FEE (for phones $799.99+)

PER

MONTH

LOSS & THEFT DEDUCTIBLE

(for phones under $799.99)

$199.99

$249.99LOSS & THEFT DEDUCTIBLE

(for phones $799.99+)

4 5

6 7

GETTING

HELP IS EASY.

STAPLE RECEIPT HERE

IF YOUR PHONE WAS

LOST OR STOLEN

Call us:

1-866-205-4388

Between 8a.m. and 8p.m. CST

All claims must be ﬁled within

60 days of incident.

FOR ASSISTANCE WITH

EVERYTHING ELSE

Find us:

GeekSquad.com/Protection

Call us:

1-800-GEEKSQUAD

1-800-433-5778

Visit us:

Make a reservation at

GeekSquad.com/Scheduling

for in-store support.

KEEP THIS IN A SAFE

PLACE. HAVING YOUR

RECEIPT MAKES FILING

A CLAIM EASIER.

8 9

b. Accidental Damage from Handling Coverage

(“ADH”).

i. Coverage for unintentional damage (e.g.,

spills, cracked screens) starting on the date

of Plan purchase.

ii. Excludes damage caused by drops

from elevated heights, complete liquid

submersion, use other than as intended by

the manufacturer and other items identiﬁed

in Section 4.

4. What’s Not Covered:

a. Parts, labor and any other coverage

provided under the manufacturer warranty.

Except for ADH claims, you must contact the

manufacturer if any defect or issue arises during

the manufacturer’s warranty period.

b. Accessories (e.g., chargers, headphones).

c. Damage caused by accidents (except as

noted above for ADH Coverage), abuse, neglect,

and misuse.

d. Cosmetic damage that does not impair

functionality

5. Our Obligations:

a. At our option, we will repair or replace your

Defects in materials and workmanship

Power surge protection

Normal wear and tear

One Time Battery Replacement (subject

to a service fee as explained below if we

exchange your device with a replacement

device or if we issue a gift card for its value)

MORE ABOUT THE GEEK SQUAD®

DROPS, SPILLS & DEFECTS PLAN*

SUMMARY OF COVERAGE FOR MOBILE PHONES

1. The Plan:

The Plan enhances and, depending on the

length of the Plan you selected, protects

your mobile device from defects in materials

and workmanship after expiration of your

manufacturer’s warranty and provides certain

other beneﬁts as described in this summary

and more fully in the complete Plan terms and

conditions, which are available in-store and at

http://GeekSquad.com/termsconditions.

2. Plan Term:

The term of your Plan is stated on your purchase

receipt. You either already paid for it in full or

have agreed to pay on a monthly installment

basis. You may cancel the Plan at any time and

receive a pro-rata refund of the price you paid

less the cost of any service provided.

3. What’s Covered:

a. Hardware. Your coverage for hardware

failure under this Plan will begin when the

manufacturer’s warranty expires except that

if the manufacturer’s warranty does not cover

one of the items below, this Plan will provide

coverage on the Plan start date.

product with a refurbished product of like kind

and quality or a new product or compensate

you for the current market value of the product

in the form of a gift card.

b. We will have no further obligations to you

under the Plan if (i) we replace your product

with a new product; (ii) we have fulﬁlled 3

mobile phone claims within a rolling 24 months

by repairing or replacing your product with a

refurbished product; or (iii) our costs to fulﬁll

your claims exceed the original purchase price

of your product.

6. Your Obligations:

a. Maintain a copy of the Plan, receipts and

service records.

b. For monthly-paid Plans, keep your account

current to receive service.

c. Comply with any applicable claim

fulﬁllment conditions for repair or replacement

such as:

i. Unlocking your device and turning

off any device tracking features prior to

delivering your device; and

ii. Sending us your original product within

the time allowed to avoid a charge to your

card when we have provided a replacement

product to you in advance of us receiving

your original product; and

iii. Conﬁrming your product is eligible

based on the complete Plan terms and

conditions.

7. Service Fees:

You will be required to pay a service fee

each time you submit a claim under this Plan.

The amount will depend on Best Buy’s non-

discounted retail price of the device at the time

of purchase:

Phones under $799.99 $149.99

Phones at or above $799.99 $199.99

8. How to Obtain Support:

Visit GeekSquad.com to chat with an Agent,

call 1-800-GEEKSQUAD (24/7), or visit a

Best Buy store.

9. Transferring the Plan.

You can transfer your rights under the Plan at

any time at no charge.

10. Conﬂict With Plan Terms and Conditions.

This document is only intended to provide

you with a summary of the Plan terms and

conditions. Any conﬂict with this document and

the Plan terms and conditions, the Plan term

and conditions will prevail. Please refer to the

complete Plan terms and conditions for details.

FOR FULL PLAN TERMS:

GeekSquad.com/TermsConditions

*The plan is provided by AIG WarrantyGuard, Inc.

10 11

Replacement Phone: Our goal is to provide you

with a replacement mobile phone that is the same

make and model as the phone claimed; however, if

it is not available, a similar make and model will be

substituted. Your replacement mobile phone could be

remanufactured. If a replacement is not available, a gift

card in the amount of the current market value of your

covered phone will be provided.

Cancellation: Cancelling the Loss and Theft coverage

for your mobile phone is easy, just call us at 1-877-637-

7891. If you cancel, you will receive a pro-rated refund of

your unearned premium.

NEED TO FILE A LOSS OR THEFT CLAIM?

To start your claim:

CALL: 1-866-205-4388

1. Agents are available every day from 8am - 8pm

Central Standard Time (CST).

2. Have the make and model of your device available.

3. Have a method of payment for your deductible

on hand.

4. We may request proof of ownership and/or a

government-issued ID.

5. We may request a police report number.

6. In addition to calling us, it is suggested you contact

your mobile phone carrier to temporarily suspend

service and prevent unauthorized use.

7. All claims must be ﬁled within 60 days of incident.

New Hampshire Insurance Company

(a capital stock company)

(“Company”)

Administrative Ofﬁces

175 Water Street, New York, NY 10038

Telephone No. 212-770-7000

COMMERCIAL INLAND MARINE

WIRELESS COMMUNICATIONS EQUIPMENT

COVERAGE CERTIFICATE

VARIOUS PROVISIONS IN THIS COVERAGE CERTIFICATE

(“CERTIFICATE”) RESTRICT COVERAGE. READ THE

ENTIRE CERTIFICATE CAREFULLY TO DETERMINE YOUR

RIGHTS, DUTIES AND WHAT IS AND IS NOT COVERED. A

COPY OF THE POLICY UNDER WHICH THIS CERTIFICATE

IS ISSUED IS AVAILABLE FOR YOUR INSPECTION.

Throughout this Certiﬁcate the words “You” and “Your”

refer to an Insured Customer. “Company”, “We”, “Us”

and “Our” refer to the insurance company providing this

insurance. “Authorized Representative” refers to Best Buy

Stores, L.P.

Other words and phrases, whether expressed in the

singular or plural, that appear in boldface are deﬁned in

the DEFINITIONS of this Certiﬁcate.

I. COVERAGE

Subject to all terms, conditions, exclusions and limits

of insurance pursuant to this Certiﬁcate, and in return

MORE INFORMATION:

LOSS AND THEFT INSURANCE

A Details: Best Buy has arranged for its customers to

have access to mobile phone insurance by partnering

with American International Group (AIG). Geek Squad

Loss and Theft Insurance is underwritten by New

Hampshire Insurance Company, an AIG member

company, and administered by SNW Insurance

Agency, LLC (SNW), the plan administrator and

AIG’s licensed agent for the customers of Best Buy

who elect to purchase coverage and are enrolled

under the group insurance policy issued to Best Buy.

Mobile phone insurance is optional coverage that

you are not required to purchase in order to activate

service or purchase a device. Program enrollment

and replacement authorization shall be at the sole

discretion of New Hampshire Insurance Company and

SNW, or any other authorized representative of AIG, in

accordance with the terms of the Coverage Certiﬁcate

and applicable law. Best Buy is not the insurer or the

administrator of claims under the insurance program.

Best Buy associates are not qualiﬁed or authorized

to evaluate the adequacy of your existing insurance

coverage, and this insurance may provide a duplication

of coverage already provided by your personal auto

insurance policy, homeowner’s insurance policy,

renter’s insurance policy, or other source of coverage.

Please see the Mobile Phone Insurance Certiﬁcate of

Coverage included in this brochure for more details or

visit www.GeekSquad.com/losttheftbystate to review

the complete policy. You may also obtain a copy of the

complete policy by calling SNW at 1-877-637-7891 or

by writing to SNW at: PO Box 928, Jeffersonville, IN

47131 Attn: Terms and Conditions Request. Questions

regarding this program should be directed to SNW.

AIG strives to satisfy every customer and asks that

you allow us the opportunity to resolve any question,

concern or complaint you may have by calling us at

1-877-637-7891.

Deductible: When a claim is ﬁled due to a mobile

phone being lost or stolen, a deductible will apply.

The amount will depend on Best Buy’s non-discounted

retail price of the device at the time of purchase:

Phones under $799.99 $199.99

Phones at or above $799.99 $249.99

Covered Equipment: In addition to your mobile

handset, the following accessories are covered under

the policy: one standard battery, home charger, and

earbuds.

Claims Limits: There is a limit of 2 claims within a

12 month rolling period.

MOBILE PHONE INSURANCE

CERTIFICATE OF COVERAGE

12 13

for You paying the premium when due, We agree

to provide the insurance pursuant to this Certiﬁcate

provided that any Loss to Equipment occurs while

Your coverage is in effect. This insurance is primary

over any other insurance You may have.

The coverage pursuant to this Certiﬁcate begins at

12:01 a.m. pursuant to Section V, Coverage Effective

Date. The information pertaining to Your coverage

pursuant to this Certiﬁcate is included in Your receipt,

invoice, or other documentation from the Named

Insured and is incorporated by reference in this

Certiﬁcate and speciﬁcally includes the name and

address of the Insured Customer and information to

determine the effective date of coverage.

This Certiﬁcate covers Your Equipment for Loss as

long as it is eligible for coverage. We will replace Your

Equipment in the event of a Loss.

If You receive a replacement as a result of Your Loss,

You agree that the replacement:

1. may not include identical features and functions

as the Equipment; and

2. may be remanufactured, refurbished and may

contain non-original manufacturer parts.

3. may be a different model, brand and color;

4. may be made by a different manufacturer;

II. COVERED CAUSES OF LOSS

We will cover the Equipment for the following causes

of Loss:

Theft or Lost Equipment

III. EXCLUSIONS TO COVERED CAUSES OF LOSS

This Certiﬁcate does not cover You for the following

enumerated losses and causes of loss regardless of

any other cause or event that contributes concurrently

or in any sequence to the loss. We will not pay for any

loss directly or indirectly caused by or resulting from

any of the events, conditions or following causes:

A. The Deductible, as deﬁned in this Certiﬁcate,

which will not be covered for each claim You make.

B. Damage to the Equipment which is:

i. caused by or resulting from normal wear or

tear, gradual deterioration, inherent vice or latent

defect

ii. cosmetic damage including but not limited

to marring, scratching, discoloration, or any type

of damage or failure that doesn’t affect how the

Equipment works;

iii. the result of alterations, maintenance, repairs,

faulty design, or any process of cleaning or

restoring; or

iv. due to obsolescence, including technological

obsolescence of the Equipment.

C. Direct, Sudden and Accidental Damage

to Equipment, Theft or Lost Equipment, or

Mechanical or Electrical Failure of the Equipment

taking place outside the Territory, on or after a date

which is more than sixty (60) days after You left the

Territory with the Equipment.

D. Any loss You may suffer or costs incurred by You for:

i. loss of value, loss of use, loss of personalized

Data, customized software, or information stored

in memories, or any consequential loss (including

but not limited to any economic loss or other loss

of turnover, proﬁts, business, goodwill or expected

savings), except as set out elsewhere in this policy;

ii. Direct, Sudden and Accidental Damage

to Equipment, Theft or Lost Equipment, or

Mechanical or Electrical Failure of the Equipment,

when repairing or replacing antennas, battery

chargers or batteries where these items are the only

part of the Equipment that have been damaged,

stolen or lost;

iii. any Direct, Sudden and Accidental Damage

to Equipment, Theft or Lost Equipment, or

Mechanical or Electrical Failure of the Equipment

caused by any deliberate act by You, Your

employees, or any person using the Equipment with

Your permission;

iv. costs or charges when replacing car kits and

other accessories which can no longer be used with

the Equipment;

v. any government or public authority conﬁscating

the Equipment;

vi. returning the Equipment for repair, or collecting

the Equipment once it has been repaired or costs

involved with collecting replacement equipment;

vii. repairing or providing replacement equipment

where the damage to the Equipment is covered by

the relevant manufacturer’s guarantee or warranty for

either parts or labor;

viii. loss caused by or resulting from a Computer

Virus;

ix. loss caused by or resulting from preventative

maintenance or preferential adjustments;

x. loss caused by insects, rodents or other vermin;

xi. loss caused by abuse of the Equipment

or resulting from use of the Equipment in a

manner for which it was not intended or designed

by the manufacturer, or any act that voids the

manufacturer’s warranty;

xii. the Equipment being routinely serviced,

inspected, adjusted or cleaned;

xiii. war risks as You are not covered for any Direct,

Sudden and Accidental Damage to Equipment,

Theft or Lost Equipment, or Mechanical or

Electrical Failure of the Equipment arising as a

result of war (whether war is declared or not), riot,

terrorism, revolution or any similar event;

xiv. repairing or replacing the Equipment where

the Direct, Sudden and Accidental Damage

to Equipment, Theft or Lost Equipment, or

Mechanical or Electrical Failure of the Equipment

are a result of Acts of God;

xv. repairing or replacing the Equipment caused by

Mechanical and/or Electrical Failure;

xvi. Any property or equipment that is not

Equipment;

xv i i. Cont r a ban d or Equipment in the course of illegal

transportation or trade;

14 15

xviii. Any antenna or wiring attached to,

protruding from, or on the exterior of any vehicle

or watercraft;

xix. Equipment in transit to You from a

manufacturer or seller;

xx. Data, Nonstandard External Media, and

Nonstandard Software;

xxi. Color face plates or other Non-Covered

Accessories;

xxii. Any Equipment whose unique identiﬁcation

number (IMEI or ESN, etc.) has been altered,

defaced or removed; or

xxiii. Any Equipment you lease, rent or hold for

others.

IV. PREMIUM PAYMENTS

You will be charged the following premium for the

insurance provided to You pursuant to this Certiﬁcate:

You will be charged premium corresponding to the

equipment category of Your Equipment associated

with Your enrolled Wireless Number as shown in the

schedule below:

Equipment

Category

Policy

Term

Premium Per Enrolled

Wireless Number

Mobile Phones/Tier 1

Original Retail Price =

$0 - $799.98

Monthly $4.91 (Insurance

Included with Service

Contract Complete Plan)

Mobile Phones/Tier 1

Original Retail Price =

$0 - $799.98

24 Months $92.50 (Insurance

Included with Service

Contract Complete Plan –

Single Payment)

Mobile Phones/Tier 1

Original Retail Price =

$0 - $799.98

Monthly

$5.59

Mobile Phones/Tier 1

Original Retail Price =

$0 - $799.98

24 Months

$107.00 (Single

Payment)

Mobile Phones/Tier 2

Original Retail Price =

$799.99 & Up

Monthly

$4.42 (Insurance

Included with Service

Contract Complete Plan)

Mobile Phones/Tier 2

Original Retail Price =

$799.99 & Up

24 Months

$83.30 (Insurance

Included with Service

Contract Complete Plan –

Single Payment)

Mobile Phones/Tier 2

Original Retail Price =

$799.99 & Up

Monthly $5.09

Mobile Phones/Tier 2

Original Retail Price =

$799.99 & Up

24 Months $96.39 (Single Payment)

V. COVERAGE EFFECTIVE DATE

Your coverage for the insurance provided by Us

pursuant to this Certiﬁcate is effective at 12:01 A.M.

on the effective date of coverage as stated herein.

1. If You submit Your request for enrollment for

coverage at Initial Activation: Your coverage begins

upon Our approval. Upon Our approval, coverage

is retroactive to the date of the submission of Your

request for enrollment. We or Our Authorized

Representative will notify you within fourteen (14) days

if Your request is not approved.

2. If You submit Your request for enrollment for

coverage after Initial Activation: Your coverage

requires the successful completion of a test call to the

Equipment prior to becoming effective. Coverage

begins upon Our approval. Upon Our approval,

coverage is retroactive to the date of the test call.

We or Our Authorized Representative will notify

you within fourteen (14) days if Your request is not

approved.

VI. LIMITS OF LIABILITY

A. Per Occurrence Limits

The most We will pay, in any one occurrence, to

replace Equipment due to a Loss is the original retail

price You paid for the Equipment. For any one Loss,

We will not pay for a replacement having a retail value

of more than the limit, less the applicable deductible

set forth in Section VII.

B. Aggregate Limits

A maximum of two replacements of Equipment will be

allowed per Wireless Number in any one twelve (12)

month period.

The twelve month period is calculated based on the

Date of Replacement for each covered Loss.

VII. DEDUCTIBLE

A non-refundable deductible, as set forth in the

schedule below, is payable at the time a replacement

is approved by us for each replacement based on

the equipment category of the Equipment being

replaced.

The applicable deductibles are set forth in the

deductible schedule below.

Deductibles Applicable to Each Replacement

Equipment Category Deductible

Mobile Phones/Tier 1

Original Retail Price = $0 - $799.98

$199.99

Mobile Phones/Tier 2

Original Retail Price = $799.99 & Up

$249.99

An additional non-returned equipment charge may

apply (See Section IX.F) for causes other than Theft or

Lost Equipment if You fail to return the Equipment as

directed at the time of Loss.

VIII.CONDITIONS IN THE EVENT OF LOSS.

A. In the event of a Loss, We will arrange for

the replacement of the Equipment through the

Authorized Service Facility.

16 17

B. You will not be entitled to receive cash, though

We may elect to provide a voucher or gift card, at our

discretion, equal to the current market value of the

Equipment, as determined by Us, not to exceed the

original purchase price of the Equipment, including

taxes, in lieu of actual replacement of the Equipment.

Technological advances may result in a replacement

with a lower selling price than the original Equipment.

C. At Our option, we may provide substitute

equipment that:

1. Is of like kind and quality;

2. Is either new or refurbished, and may contain

original or non-original manufacturer parts; and

3. May be a different brand, model or color.

D. Equipment failure evaluation performed by

the Wireless Service Provider, the entity that

you purchased Your Equipment from and/or Our

Authorized Representative and/or manufacturer may

be required at Our option prior to approval of Your

request for replacement of the Equipment.

IX. DUTIES IN THE EVENT OF LOSS

In the event that Your Equipment is stolen or is

lost, You must notify Your Wireless Service Provider

as soon as possible to

suspend service.

If a claim involves a violation of law or any loss

of possession, You agree to promptly notify the law

enforcement agency with

jurisdiction and obtain

conﬁrmation of this notiﬁcation.

You must report the Loss promptly to Our

Authorized Representative not later than sixty (60)

days from the Date of Loss. If You do not report the

Loss within sixty (60) days, You will have forfeited

Your claim. You must submit all claims through Our

Authorized

Representative for Our approval prior to

the delivery of replacement equipment. Any claims

that are not submitted through

ur Authorized

Representative for Our approval will not be honored

and fulﬁlled.

You will do what is reasonably necessary to

minimize the Loss and to protect the Equipment from

any further Loss.

You may be required to provide us with a detailed

written proof of Loss statement, a police report case

number, and/or a copy of the

police report within sixty

(60) days of the Date the Loss is reported and prior

to receipt of a replacement. In the

event of a Loss,

You may be required to provide a copy of the original

bill of sale. You may also be required to present, or

provide a photocopy of, a government issued photo

I.D.

You must keep the Equipment until Your claim

is completed. If We replace the

Equipment

, We may

require You to return it to Us at Our expense. If We

so direct, You must return the Equipment to Us in

the

return mailer We provide within ten (10) days or pay

the non-returned equipment charge applicable to the

model of Equipment that suffered the Loss. YOU CAN

AVOID THIS CHARGE BY SIMPLY RETURNING THE

EQUIPMENT AS

DIRECTED.

In the event of a Loss, You must permit Us to

inspect the Equipment and records proving the

Loss. You must cooperate in the

investigation of such

claim. If requested, You must permit Us to question

You under oath at such times as may be reasonably

required

about any matter relating to this insurance

or Your claim, including Your books and records. Your

answers must be signed and may be

recorded.

You must provide Our Authorized Representative

with all of the necessary information required to

approve Your claim for replacement

of Equipment

within sixty (60) days of the date that You report Your

Loss to Us. Your failure to take delivery of

replacement

equipment within sixty (60) days of Our claim approval

will result in forfeiture of the replacement

equipment

and Your claim under this Certiﬁcate.

In the event of a Loss, you must satisfy the

nonrefundable deductible applicable to the Loss.

X. ELIGIBILITY AND CANCELLATION.

A. Cancellation or Non-renewal Provisions.

You may cancel coverage under this

Certiﬁcate by mailing or delivering to Us advance

written notice stating when such

cancellation is

effective. You may send Your written notice to

Our Authorized Representative as follows: AWG

/ GSP Plans, ATTN: Cancellations, P.O. Box 9312,

Minneapolis, MN 55440-9312

We may cancel or non-renew this Certiﬁcate

by having a written notice of cancellation or

non-renewal mailed or delivered to You, and by

delivering notice to the Named Insured in the

policy at least:

(a). Ten (10) days before the effective date if

We cancel for nonpayment of premium; or

(b) Forty-ﬁve (45) days before the effective

date if We cancel or non-renew for any

other reason. Except, where longer

notice is

required by applicable law, the appropriate

timely notice will be given.

NOTE: Continued eligibility for this insurance

ceases and coverage will automatically

terminate upon our replacement of

Equipment during any one twelve (12)

month period beginning with the Date of

Replacement for the ﬁrst replacement that

exceeds Your Aggregate Limit (See Section

VI.B). We will forward a notice of ineligibility

to You, by mail, email or

fax at the time of the

replacement that reaches Your Aggregate

Limit (See Section VI.B). You will remain

ineligible for a period of twelve (12) months

beginning on the Date of Replacement for

the replacement that reaches Your Aggregate

Limit (See Section VI.B).

Notice to You will be mailed or delivered to

Your last address known to Us or as otherwise

authorized by You.

Notice of cancellation or non-renewal will

state its effective date, and all insurance under this

Certiﬁcate will end on that date.

18 19

If coverage under this Certiﬁcate is cancelled,

You will be refunded any unearned premium due

in accordance with

applicable law.

If cancellation or non-renewal notice is mailed,

proof of mailing will be sufﬁcient proof of notice.

B. To be and remain eligible for coverage:

You must have activated communications

service directly with Your Wireless Service

Provider and be a valid, active and current

subscriber of Your Wireless Service Provider

to be covered under the policy. Equipment must

be actively registered on the Wireless Service

Provider’s network on the Date of Loss.

The Equipment must be designated by Us

and eligible for coverage under this Certiﬁcate.

Eligibility may be limited to new Equipment that

has not been previously activated for service.

You must not have engaged in fraud or abuse

with respect to this or a similar insurance

program.

You must not have exhausted the beneﬁts

available under this Certiﬁcate issued through

the named Insured by exhausting the Aggregate

Limit. (See Section VI.B).

You must not be in breach of any material

term of this Certiﬁcate, including, but not limited

to: Failure to return damaged Equipment when

requested in conjunction with a Loss; or, failure to

satisfy the required deductible on a Loss.

C. You are responsible for the payment of all

premiums, per the terms of this Certiﬁcate.

D. The insurance provided under this Certiﬁcate is

provided to You for the length of term as chosen by

You unless You or Your Equipment cease to be eligible

for coverage.

XI. ADDITIONAL CONDITIONS.

A. We will satisfy all claims for Loss under this

Certiﬁcate within thirty (30) days after presentation

and acceptance of satisfactory proof of interest

and Loss to Our Authorized Representative and

satisfaction by You of Your Duties in the Event of a

Loss.

B. Any recovery or salvage on a Loss will accrue

entirely to Our beneﬁt. Upon Our

request, You will

return to Us any damaged equipment. All Equipment

which We replace is the property of Us and may be

disabled, destroyed, or reused. We will not provide

replacement equipment if You are in breach of the

terms of this Certiﬁcate due to: failure to return

damaged Equipment when requested in conjunction

with a prior Loss; or, due to Your failure to satisfy the

non-returned equipment charge or deductible on a

prior Loss.

C. You may not assign this Certiﬁcate without our

written consent.

D. If any Insured Customer to or for whom We honor

a claim under this Certiﬁcate has rights to recover

damages from another, those

rights are transferred

to Us. That Insured Customer must do everything

necessary to secure Our rights and must do nothing

after a Loss to impair them; but You may waive Your

rights against another party in writing:

Prior to a Loss.

After a Loss, only if, at time of Loss, that party

is one of the following:

Someone covered under this Certiﬁcate;

A business ﬁrm;

Owned or controlled by the Insured

Customer; or

That owns or controls the Insured

Customer; or

The Insured Customer’s tenant.

This will not restrict the Insured

Customer’s coverage.

E. Concealment, Misrepresentation or Fraud

This coverage is void in any case of fraud,

intentional concealment or misrepresentation

of a material fact, at any time,

concerning:

This coverage;

The Equipment;

Your interest in the Equipment; or

A claim under this Certiﬁcate.

XII. DEFINITIONS

A. “Authorized Service Facility” means the location

or locations that serve as a replacement facility for the

program and

supply replacements for Equipment.

Selection of the Authorized Service Facility will

be at the sole discretion of Us or Our Authorized

Representative.

B. “Computer Virus” means malicious software that

damages, destroys, or otherwise interferes with the

performance of any Data, media,

software, or system

on or connected to the Equipment.

C. “Covered Accessories” means one standard

battery charger, one standard battery, one standard

SIM card (if applicable) and one standard wired

earbud. All covered accessories are covered as part

of covered loss and must have been purchased in

conjunction with covered device.

D. “Data” means information input to, stored on,

or processed by the Equipment. This includes

documents, databases, messages,

licenses, contact

information, passwords, books, games, magazines,

photos, videos, ringtones, music, and maps.

E. “Date of Loss” means the date on which a Loss to

the Equipment occurs.

F. “Date of Replacement” means the date on which

replacement Equipment is shipped to You, or the

date on which You pick up the replacement at an

Authorized Service Facility, as a result of a covered

Loss.

G. “Direct, Sudden and Accidental Damage” means

a fortuitous event that causes direct physical damage

to the Equipment. None of the following is direct,

sudden and accidental damage however caused and

without regard to whether such condition or event is

normal and expected or unusual and unexpected:

1) depletion, deterioration, rust, corrosion, erosion,

settling or wear and tear; 2) any gradually developing

condition; 3) any defect, programming error,

programming limitation, Computer Virus, malicious

code, loss of Data, loss of access, loss of use, loss of

20 21

functionality or other condition within or involving Data

or media of any kind; or 4) contamination by a hazardous

substance.

H. “Equipment” means original device purchase

including accompanying accessories.

I. “Initial Activation” means the time of initial activation

of the Wireless Service Provider’s service for the

Equipment.

J. “Insured Customer(s)” means the customer of

the Named Insured Service meeting the following

conditions:

Who have been enrolled in and accepted for

coverage under this Certiﬁcate.

Who have a complete description of their

Equipment on ﬁle with Us or Our Authorized

Representative.

Who have paid all premiums payable with

respect to their Equipment before any claimed

Date of Loss.

K. “Loss” and “Losses” means a covered loss as

provided in Section II, Covered Causes of Loss.

L. “Lost” means the vanishing of the Equipment in

an unexplained manner where there is an absence of

evidence of a wrongful act by a person(s).

M. “Mechanical or Electrical Failure” means failure

of Equipment to operate due to a faulty part or

workmanship or normal wear

and tear when operated

according to the manufacturer’s instructions.

N. “Non-Covered Accessories” means all accessories

not included in the deﬁnition of Covered Accessories.

O. “Nonstandard External Media” means physical

objects on which Data can be stored but which are not

integrated components of the

Equipment

required for

it to function. This includes Data cards, memory cards,

external hard drives, and ﬂash drives.

Nonstandard

External Media does not include Standard External

Media.

P. “Nonstandard Software” means software, other than

Standard Software.

Q. “Standard External Media” means physical objects

on which Data can be stored and that came standard

in the original packaging with the Equipment from the

manufacturer but which are not integrated components

of the Equipment required for it to function.

R. “Standard Software” means the operating system

pre-loaded on or included as standard with the

Equipment from the

manufacturer.

S. “Territory” means United States and its territories.

T. “Theft” means the unlawful taking of the Equipment

to the deprivation of the Insured Customer.

U. “Wireless Number” or “Wireless Numbers” means the

mobile telephone or Data line(s) or number(s) assigned

by the Wireless Service

Provider to you.

V. “Wireless Service Provider” means the entity who

is providing the wireless telephone or communications

services.

XIII.STATE CHANGES.

Terms and conditions vary for Certiﬁcates issued and

Insured Customers residing in select jurisdictions as set

forth below.

THIS CERTIFICATE MAY PROVIDE A DUPLICATION

OF COVERAGE ALREADY PROVIDED BY

YOUR PERSONAL

AUTO INSURANCE POLICY,

HOMEOWNER’S INSURANCE POLICY, OR OTHER

SOURCE OF COVERAGE.

ANY PERSON WHO KNOWINGLY AND WITH

INTENT TO INJURE, DEFRAUD, OR DECEIVE

ANY INSURER FILES A

STATEMENT OF CLAIM

OR AN APPLICATION CONTAINING ANY FALSE,

INCOMPLETE, OR MISLEADING

INFORMATION

IS GUILTY OF INSURANCE FRAUD. IN FLORIDA,

SUCH CONDUCT IS A FELONY OF THE THIRD

DEGREE.

For California customers the California Department of

Insurance consumer hotline is 1-800-927-4357

CA license # 0H15018

This is a summary of your insurance coverage certiﬁcate.

Some provisions may vary by state based upon applicable

state law. For a complete copy of the policy, you may visit

www.GeekSquad.com/losttheftbystate, or you may call

SNW Insurance Agency, LLC at 1-877-637-7891 or write to

SNW Insurance Agency, at: PO Box 928, Jeffersonville, IN

47131 Attn: Terms and Conditions Request.

Any questions regarding the coverage provided under

this Certiﬁcate should be directed to our Authorized

Representative as follows: Call our toll-free phone number

at 1-877-637-7891.

22 23

Drops, spills and cracks data composed for Best Buy by

Kelton Research. Loss and Stolen data as referenced by

a leading consumer research magazine. BEST BUY, the

BEST BUY logo, the tag design, BESTBUY.COM, GEEK SQUAD

and the GEEK SQUAD logo are trademarks of Best Buy and

502-0299317

PROTECTION