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Terms & Conditions Keyfacts about this Policy
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ProtectyourSpex Insurance Summary of Cover


This is a summary of cover only. The full terms and conditions are provided in the Policy Document and references to specific paragraphs are made throughout this summary.

1. The name of the insurer:

ProtectyourSpex Insurance is underwritten by Bankers Insurance Company Limited (a member company of Assurant Solutions).

2. Premium

Single payment at policy start date.

3. Who is eligible for cover

You are eligible for ProtectyourSpex Insurance if you are over 16 years of age and have purchased prescription glasses from the retailer.

4. Type of insurance

ProtectyourSpex Insurance is an optional insurance policy that protects any glasses you purchase from the retailer, subject to the terms and conditions of the policy.

Main features and benefits of Product Replacement Cover

ProtectyourSpex Insurance provides cover against:
  • Accidental damage
  • Loss
  • Damage/destruction caused by storm, flood, lightning, earthquake, fire, smoke, explosion.
We will replace the insured glasses a maximum of twice within any 12 month period.

6 Main exclusions (please see section G of the Policy Document for full details)

  • Any defects for which the manufacturer or supplier is liable (Section G, point 4);
  • Due to a change in your prescription being diagnosed; (Section G, point 6);
  • Due to any cosmetic damage (Section G, point 7).

7 Term of Product Replacement Cover contract

Your product is covered for a period of 12 months.

8 Cancellation

You may cancel this policy at any time by writing to Adminicle Limited. If you do this within the first 30 days, you will receive a full refund, provided you have not made a claim.

If you cancel this policy after the initial 30day period you will be entitled to a pro rata refund, again by writing to the Administrator. This means that a refund will only be given for every complete month of the policy remaining, from the date you request the policy is cancelled. (Section D of the Policy Document)

9 Making a claim

To make a claim, you must contact Adminicle Limited on 01285 886666 as soon as reasonably possible, who will advise you on how to proceed. All claims must be made within 30 days of the incident. Failure to do so may invalidate your claim.

10 Complaints procedure

Although we set ourselves high standards, if we do not meet your expectations and you are not satisfied in some way we would like to know. If you follow the guidelines below, your complaint will be dealt with in the most efficient way possible (Section I of the Policy Document).

Step 1 – Contact The Claims Manager, Adminicle Ltd, Callidus House, Cirencester Business Park, Love Lane, Cirencester, Gloustershire, GL7 1XD, Telephone: 01285 886600, fax: 01285 886600 or email:
admin@adminicle.co.uk

Step 2 – If you are still not satisfied with the way we have dealt with your complaint you can ask the Financial Ombudsman Service to review your case. In order for the Financial Ombudsman Service to review your case, you must send your complaint to them within 6 months of our final letter to you. You can contact them at South Quay Plaza, 183 Marsh Wall, London, E14 9SR. Telephone: 0845 080 1800.

11 Compensation scheme

If for any reason Bankers Insurance Company Ltd became unable to meet its liabilities, you may be entitled to compensation from the Financial Services Compensation Scheme (FSCS), who can be contacted at: 7th Floor Lloyds Chambers, Portsoken Street, London, E1 8BN or telephone 0207 892 7300. The first £2,000 of an insurance claim or policy is covered in full through the FSCS, plus 90% of the balance.