URGENT REVIEW OF YOUR DEBENHAMS GADGET INSURANCE
You may be unaware of this fact that gadget insurance which appears to be provided by Debenhams, is in fact not the case. It is provided by Taurus Insurance, a company registered in Gibraltar, underwritten by AMtrust Europe. There terms and conditions are not published when you are searching their website for cover. I choose the Ultimate cover and attempted to make a claim recently.
One of the conditions of cover is
Criteria: We can only insure gadget(s) that are:
1. purchased from a UK registered company supplied with full UK consumer rights and warranties
No problem I thought, having purchased the Dell laptop brand new with a 4 year warranty! Wrong, they will not accept any claims if the company is not registered at Companies House, although the definition of registered is not defined. Any seller via Amazon or sole traders that have no company registration number will not be covered the the gadget insurance from Debenhams to Taurus Insurance.
I am not sure of the arrangement between Debenhams and Taurus Insurance, but I saw Debenhams as a reputable company, but it seems they will allow the use of their company name for a few extra quid at the expense of U.K. consumers thinking they would be safe with a Debenhams brand.
Check your insurance arrangements now and make alternative policy arrangements if after reading their terms and conditions you find them unfair and beyond what you would consider reasonable.
Other conditions are also very onerous. There may be something in the Debenhams/Taurus Insurance policy that states if you purchased the product on a day ending in Y you cover will be invalid.