AppleCare+ for Apple TV
AppleCare+ for Apple Watch
AppleCare+ for Headphones
AppleCare+ for HomePod mini
AppleCare+ for iPad
AppleCare+ for iPhone
AppleCare+ for iPod
NOTE ON CONSUMER LAW:
AppleCare+ is an insurance policy covering the risk of damage to your Apple TV, Apple Watch, HomePod
mini, iPad, iPhone, iPod or Apple- or Beats-branded headphones and the need for technical assistance.
AppleCare+ does not provide coverage for failure due to defects in design and/or materials and/or
workmanship. Such failures will be covered separately by your consumer law rights or the Apple Limited
Warranty or by Apple itself during the same period as the AppleCare+ Coverage Period even if you did not
purchase or lease your Apple product from Apple. In Ireland, consumers are entitled to a free of charge
repair or replacement, by the seller, of goods which do not conform with the contract of sale. Under Irish
law, consumers have up to six years from the date of delivery to exercise their rights however, various
factors may impact your eligibility to receive these remedies. For more details, please visit apple.com/ie/
legal/statutory-warranty.
Terms & Conditions – Ireland
Thank you for buying AppleCare+, an insurance policy underwritten by the Ireland Branch of AIG Europe
S.A. (“AIG”) who agrees to insure Your Apple TV, Apple Watch, HomePod, iPad, iPhone, iPod, or Apple- or
Beats-branded headphones according to the terms and conditions contained in this Policy.
AppleCare+ covers You for repair or replacement of Your device in the event of Accidental Damage or
Battery Depletion, and access to Technical Support from Apple (as set out in clause 4.5).
The Policy is sold by Apple and Apple Authorised Resellers. Apple, on AIG’s behalf, will also handle claims
and any complaints You may have (full details of this are in clause 12).
AppleCare+ does not cover You for loss or theft of Your device, or for failure due to defects in
Your device, although such failures will be covered separately either by Your rights under
consumer law or the Apple Limited Warranty or by Apple itself during the same period as the
AppleCare+ Coverage Period even if You did not purchase or lease Your Apple product from
Apple (as set out in clause 5.1.9).
1. Definitions
Any word or expression which appears capitalised in this Policy is defined in this definitions
section and has the same meaning whenever it is used throughout this Policy:
1.1. “Accidental Damage” means physical damage, breakage or failure of Your Covered Equipment
due to an unforeseen and unintentional event occurring either due to handling (e.g., dropping the
Covered Equipment or through liquid contact) or due to an external event (e.g., extreme
environmental or atmospheric conditions). The damage must affect the functionality of Your
Covered Equipment, which includes cracks to the display screen that affect the visibility of the
display.
1.2. “AIG” means AIG Europe S.A. whose registered office is at 35 D Avenue John F. Kennedy, L-1855,
Luxembourg who is operating in Ireland through its branch AIG Europe S.A. (Ireland Branch)
whose address is 30 North Wall Quay, International Financial Services Centre, Dublin 1, Ireland
and who is regulated by the Central Bank of Ireland for conduct of business rules.
1.3. “Appendix” means the document setting out the pricing information of the Covered Equipment,
which is incorporated into and forms a part of Your Policy.
1.4. “Apple” means Apple Distribution International Limited (or its appointed agents) who distribute,
sell and administer this Policy and who handle claims and complaints on AIG’s behalf.
1.5. “Apple Authorised Service Provider” means a third-party service provider appointed as Apple’s
agent to handle claims on AIG’s behalf. A list of these providers can be found through
locate.apple.com/ie/en.
1.6. “Apple Authorised Reseller” means a third party authorised by Apple to distribute this Policy at
the same time as selling or leasing You Your Covered Equipment.
1.7. “AppleCare+ Details” means the support website apple.com/ie/legal/sales-support/applecare/
applecareplus/ie/.
1.8. “Apple Limited Warranty” means the voluntary manufacturer’s warranty provided by Apple (under
separate terms of service) to purchasers or lessees of Covered Equipment, which provides
benefits that are in addition to, and not instead of, rights provided by consumer law.
1.9. “Arrears Notice" means the notice that a Payment Plan Provider issues to You notifying You that
You have failed to pay an Instalment and/or that You are in default under the Payment Plan
Agreement for failure to pay Instalments.
1.10. “Battery Depletion” means, in relation to Covered Equipment which use an integrated
rechargeable battery, when the capacity of such Covered Equipment’s battery to hold an
electrical charge is less than eighty percent (80%) of its original specification.
1.11. “Beats” means Beats Electronics LLC (a/k/a Beats by Dr. Dre), a subsidiary of Apple Inc.
producing audio products, including certain Covered Equipment under the Beats brand name.
1.12. “Business Customer” means a customer who has registered for and purchased their Covered
Equipment through the Apple business online store.
1.13. “Consumer Software” means the operating software (“OS”) of the Covered Equipment, software
applications that are pre-installed on the Covered Equipment, and Apple- or Beats-branded
applications that are subsequently installed on the Covered Equipment, which may vary from time
to time.
1.14. “Coverage Period” means the period set out in clause 3.1.
1.15. “Covered Equipment” means the Apple TV, Apple Watch, HomePod, iPad (including iPad Input
Devices), iPhone, iPod, or Apple- or Beats-branded headphones identified by the product serial
number shown on Your POC certificate (or in the case of an iPad Input Device as evidenced by
Your proof of purchase), as well as the original accessories supplied in the same box. The
Covered Equipment must have been purchased or leased as new from Apple or an Apple
Authorised Reseller. Where legal ownership of the Covered Equipment has been transferred to
You, the Policy must have been transferred to You pursuant to clause 11. Covered Equipment
includes any replacement product provided to You by Apple under clause 4.1.2 of this Policy.
1.16. “Hardware Coverage” means the cover providing for repair or replacement of Your Covered
Equipment due to events of Accidental Damage and Battery Depletion.
1.17. “Insurance Tax” means the duties/levies, which are payable at the rates applicable on the date of
purchase of the Policy, set out in the Appendix.
1.18. “Instalment” means any sum payable by You under a Payment Plan Agreement.
1.19. “Insured Event” means (a) Accidental Damage to Your Covered Equipment and/or (b) Battery
Depletion and/or (c) the need to use Technical Support, which occurs during the Coverage
Period.
1.20. “iPad Input Device” means an Apple Pencil and/or an Apple-branded iPad keyboard.
1.21. “Payment Plan Agreement" means the agreement between You and Your Payment Plan Provider
to fund Your payment of the Premium by Instalments.
1.22. “Payment Plan Provider” means the party with whom You have entered into Your Payment Plan
Agreement, which may include Apple, an Apple Authorised Reseller, or a third-party financing
institution.
1.23. “POC certificate” means the proof of coverage document which You will receive when You
purchase this Policy, which includes Your insurance details and the serial number of the Covered
Equipment to which this Policy applies. If You have purchased this Policy in an Apple retail store
or from an Apple Authorised Reseller, the original sales receipt may also be Your POC certificate.
1.24. “Policy” means this insurance document setting out the AppleCare+ terms and conditions, which,
together with the Appendix and the POC certificate You received when You purchased
AppleCare+, forms Your legal contract of insurance with AIG.
1.25. “Policy Excess” means the relevant excess for the Covered Equipment set out in the Appendix.
The Policy Excess is payable by You for each Accidental Damage claim You make in Ireland under
this Policy. Please note that if You make a claim in another country under this Policy, the Policy
Excess will need to be paid in that country’s currency and at that country’s applicable rate – for
further details, please visit AppleCare+ Details.
For iPhone Screen-Only or Back Glass-Only Accidental Damage claims, the Covered Equipment
must have no additional damage beyond either the screen or back glass damage, including, but
not limited to, bent or dented enclosure, that would prevent Apple from replacing either the
screen or back glass on the Covered Equipment. Covered Equipment with additional damage will
be categorized as iPhone Other Accidental Damage claims.
For an iPhone Screen and Back Glass Accidental Damage claim, the Covered Equipment must
have no additional damage beyond the screen and back glass damage, including, but not limited
to, bent or dented enclosure, that would prevent Apple from replacing the screen and back glass
on the Covered Equipment. Covered Equipment with additional damage will be categorized as
iPhone Other Accidental Damage claims. An iPhone Screen and Back Glass Accidental Damage
claim is subject to both Screen-Only and Back Glass-Only Policy Excesses specified in the
Appendix.
If You elect to use Express Replacement Service (“ERS”) for an iPhone Screen-Only, iPhone Back
Glass-Only or iPhone Screen and Back Glass Accidental Damage claims, Your claim will be
charged as iPhone Other Accidental Damage.
Screen and back glass repairs are only available for iPhone. Back glass repairs are available for all
iPhone 12, 13, and 14 models only.
1.26. “Premium” means the amount which You agree to pay for coverage under this Policy as set out in
the Appendix. Premium includes Insurance Tax at the applicable rate.
1.27. “Technical Support” means Apple technical assistance if Your Covered Equipment ceases to work
correctly, for which Apple may otherwise charge a pay-per-incident fee.
1.28. “You/Your” means the person who owns or leases the Covered Equipment and any person to
whom the Policy is transferred pursuant to clause 11.
2. The Policy
2.1. Your Policy is made up of this insurance document setting out the terms & conditions of Your
coverage under AppleCare+, the Appendix, and Your POC certificate. Please check them
carefully to make sure they give You the cover You want. If Your needs change or any of the
information on which the Policy is based changes, Apple and AIG may need to update their
records and the details on Your POC certificate may need to be altered.
2.2. Should You need to obtain a replacement POC certificate or obtain a copy of Your insurance
details, visit mysupport.apple.com/products, and follow the instructions.
2.3. The Premium must be paid by cash, credit card, debit card, or other authorized payment source
e.g., Apple Pay (the “Payment Source”). If Your payment has not completed correctly (for
example, if Your payment debit or credit card fails), You will be informed and You will need to take
action to complete the payment. If an Insured Event occurs and Your payment has not been
completed, You will not be entitled to receive cover.
3. Coverage Period
3.1. Your Hardware Coverage starts from the date You purchase Your Policy. This means that if You
purchase AppleCare+ after You purchase or begin to lease Your Covered Equipment, You will only
receive Hardware Coverage from that date. Your Technical Support coverage starts on expiry of
Your complimentary technical support cover provided by the manufacturer, which starts on the
date You purchase or begin to lease Your Covered Equipment. Both types of cover end 24
months from the date You purchased Your Policy for all devices except for Apple TV, Apple Watch
Hermès and Edition, in respect of which both types of cover end 36 months from the date You
purchased Your Policy. Your Policy purchase date is shown on the original sales receipt for Your
Policy.
3.2. Your coverage may end earlier if You have exercised Your right to cancel under clause 10.
3.3. This Policy does not cover You for damage to the Covered Equipment from an Insured Event
which occurred before this Policy was purchased or after the Policy has been cancelled or
otherwise terminated.
4. Cover
4.1. Hardware Coverage. If You make a valid claim under the Hardware Coverage element of this
Policy, AIG will arrange for Apple either:
4.1.1. to repair the Covered Equipment using new parts or previously used genuine Apple parts that
have been tested and pass Apple functional requirements; or
4.1.2. if it would not be practical or economically viable to perform a repair, to supply a replacement for
the Covered Equipment with a new Apple-branded device or device comprised of new and/or
previously used genuine Apple parts that have been tested and pass Apple functional requirements.
All replacement products provided under this Policy will at a minimum have the same or
substantially similar features (e.g., a different model with the same features, or the same model in
a different colour) as the original Covered Equipment (subject to applicable Consumer Software
updates). For Beats-branded headphones, all replacements will be supplied with Beats-branded
devices in line with this clause 4.1.2. The replacement Apple- or Beats-branded device will
become the new Covered Equipment under this Policy. In the event of a replacement, Apple or the
Apple Authorised Service Provider will keep the original Covered Equipment. Apple or the Apple
Authorised Service Provider may use Covered Equipment or replacement partsfor servicethat
are sourced from a country that is different from the country from which the Covered Equipment
or original parts were sourced.
The Covered Equipment can only be repaired or replaced and no cash benefit will be payable by
AIG if You make a claim.
4.2. If a replacement is provided to You under clause 4.1.2, Apple, or the Apple Authorised Service
Provider, may install the latest software and operating system that is applicable to the Covered
Equipment (if any) as part of cover provided by this Policy. If applicable, third-party applications
installed on the original Covered Equipment may not be compatible with the Covered Equipment
as a result of the software and operating system update. If You make a claim in a different country
from that in which You bought or leased the Covered Equipment, Apple or the Apple Authorised
Service Provider may repair or exchange products and parts with locally comparable products
and parts.
4.3. Policy Excess. In relation to each valid claim for Accidental Damage that You make under this
Policy, before You are entitled to the benefits in clause 4.2, You will have to pay the applicable
Policy Excess, as set out in the Appendix, towards the cost of the claim. The Policy Excess can be
paid to Apple or the Apple Authorised Service Provider by an authorized Payment Source.
4.4. Claims Limit. There is no limit on the number of claims You can make for Insured Events. Claims
submitted and received by Apple in accordance with clause 7 after Your Coverage Period may not
be covered by the Policy.
4.5. Technical Support. If You make a valid claim under this section of Your Policy, You will receive
priority access to the Apple technical support helpline if Your Covered Equipment ceases to work
correctly. This coverage starts on the expiry of the complimentary support period which starts on
the date You purchase or begin to lease Your Covered Equipment. Technical Support will cover
the Covered Equipment, Consumer Software, and any connectivity issues between the Covered
Equipment and an Apple TV or other compatible television, and a compatible wireless device or
computer that meets the Covered Equipment’s connectivity specification. It will cover the then-
current version of any applicable Consumer Software, and the prior Major Release. “Major
Release” means a significant version of software that is commercially released by Apple in a
release number format such as “1.0” or “2.0” and which is not in beta or pre-release form.
5. Exclusions
5.1. Hardware Coverage. This Policy does not cover You for:
5.1.1. a product that is not the Covered Equipment;
5.1.2. damage caused by:
5.1.2.1. abuse or misuse, meaning intentionally-caused damage including knowingly using the Covered
Equipment for the purpose or in the manner for which it was not intended;
5.1.2.2. actual, or attempted, modification or alteration of the Covered Equipment; or
5.1.2.3. service or repair (including upgrades) performed by anyone who is not Apple or an Apple
Authorised Service Provider;
5.1.3. Covered Equipment with a serial number that has been altered, defaced or removed, or Covered
Equipment that has been opened, serviced, modified or altered by anyone other than Apple or an
authorised representative of Apple, or Covered Equipment that contains component parts that
are not authorised by Apple;
5.1.4. the loss or theft of Your Covered Equipment;
5.1.5. Covered Equipment (including all major components) that is not returned to Apple;
5.1.6. cosmetic damage to the Covered Equipment which does not affect the functionality of the
Covered Equipment, including, but not limited to, hairline cracks, scratches, dents, broken plastic
on ports and discolouration;
5.1.7. damage or failure caused by normal wear and tear and/or usage of the Covered Equipment;
5.1.8. damage caused by fire;
5.1.9. failure due to defects in materials and/or workmanship and/or design; however, such failures will
be covered separately either by Your consumer law rights or by the Apple Limited Warranty, or by
Apple itself during the same period as the AppleCare+ Coverage Period even if You did not
purchase or lease Your Apple product from Apple;
5.1.10. the loss of, loss of use of, damage to, corruption of, inability to access, or inability to manipulate
any electronic hardware or software, or components thereof, that are used to store, process,
access, transmit, or receive information withinCovered Equipment as a result of anycauseor loss
other than covered lossesspecifically stated in this Policy,including any unauthorised access or
unauthorised use of such system, a denial of service attack, or receipt or transmission of
malicious code; or
5.1.11. the loss of, loss of use of, damage to, corruption of, inability to access, or inability to manipulate
any electronic data stored withinCovered Equipment, including any such loss caused by
unauthorised access or unauthorised use of such data, a denial of service attack, or receipt or
transmission of malicious code.
5.2. Technical Support. This Policy does not cover You for:
5.2.1. the use or modification of the Covered Equipment or Consumer Software in a manner for which it
is neither intended to be used or modified according to the user manual, technical specifications
or other guidelines published on the Apple website for the Covered Equipment;
5.2.2. issues that could be resolved by upgrading software (including the Consumer Software) to the
latest version;
5.2.3. third-party products or other Apple-branded products or software (other than the Covered
Equipment or Consumer Software) or the effects of such products on or interactions with the
Covered Equipment or Consumer Software;
5.2.4. the use of a computer or operating system that is unrelated to Consumer Software or
connectivity issues which do not originate from the Covered Equipment;
5.2.5. OS software or any Consumer Software designated as “beta”, “prerelease”, “preview”, or similarly
labeled software;
5.2.6. damage to or loss of any software or data residing or recorded on the Covered Equipment;
5.2.7. recovery and reinstallation of software programs and user data;
5.2.8. advice that relates to everyday use of the Covered Equipment where there is no underlying
problem with its hardware or software;
5.2.9. the loss of, loss of use of, damage to, corruption of, inability to access, or inability to manipulate
any electronic hardware or software, or components thereof, that are used to store, process,
access, transmit, or receive information withinCovered Equipment as a result of anycauseor loss
other than covered lossesspecifically stated in this Policy,including any unauthorised access or
unauthorised use of such system, a denial of service attack, or receipt or transmission of
malicious code; or
5.2.10. the loss of, loss of use of, damage to, corruption of, inability to access, or inability to manipulate
any electronic data stored withinCovered Equipment, including any such loss caused by
unauthorised access or unauthorised use of such data, a denial of service attack, or receipt or
transmission of malicious code.
6. General conditions
6.1. To have the full protection of Your Policy, You must comply with this clause as well as clauses 7, 8
and 9, which are conditions of this Policy. Failure to comply with these conditions may result in
Your claim being declined.
6.2. The following conditions apply to this Policy:
6.2.1. Original Parts. As a condition of receiving covered service all Covered Equipment must be
returned to Apple in its entirety including all original parts or Apple-authorised replacement
components.
6.2.2. Coverage exclusions. Cover under Your Policy is subject to those exclusions set out in clause 5.
6.2.3. Premium payment and cover. If You agree to pay the Premium in full upfront, it must be paid
before You can receive Hardware Coverage and Technical Support, and no claim will be met
under this Policy if the Premium has not been paid in full. In order to pay the Premium by
Instalments, You will be required to enter into a Payment Plan Agreement with a Payment Plan
Provider, and You can receive the Hardware Coverage or Technical Support from the time You
enter into the Payment Plan Agreement. You must pay Your Instalments in accordance with the
terms and conditions of Your Payment Plan Agreement.
6.2.4. Non-payment of Instalments. Where You pay the Premium by Instalments and You have not
paid Your Instalment arrears by the date requested in the Arrears Notice, the Payment Plan
Provider may request that AIG cancel Your Policy. AIG will cancel Your Policy with immediate
effect on receipt of such a request. Any unearned Premium arising from such a cancellation and
which would otherwise be refundable to You may be paid directly on Your behalf to the Payment
Plan Provider and will be credited by the Payment Plan Provider towards Your accrued arrears
under the Payment Plan Agreement. As a result, no amount may be repaid directly to You.
Where You fail to pay any Instalments by the date due and You are in arrears under the Payment
Plan Agreement, You will not be entitled to receive Hardware Coverage or Technical Support in
respect of the Covered Equipment until You pay the Instalment arrears in full.
6.2.5. Your duty of care. You shall take all reasonable precautions to protect the Covered Equipment
against an Insured Event and shall use and maintain the Covered Equipment in accordance with
its instructions.
6.2.6. Yo ur r es i de nc e & ag e
6.2.6.1. If You are not a Business Customer, You are only entitled to purchase this Policy if You have Your
main residence in Ireland and You are aged eighteen (18) years or over on the date of purchase of
this Policy.
6.2.6.2. If You are a Business Customer, You are only entitled to purchase this Policy if You have
purchased the Covered Equipment for use in connection with a business, trust, charity or other
unincorporated body established in Ireland.
6.2.7. Other insurance. If You have another insurance policy in respect of the Covered Equipment in
force during the Coverage Period, then You can still make a claim under this Policy because AIG
agrees to provide coverage to You irrespective of, and without regard to, any other policy.
7. How to make a claim
7.1. For Hardware Coverage. You must report Your claim as soon as possible by visiting an Apple
retail store or Apple Authorised Service Provider, by accessing support.apple.com/en-ie or call us
(local telephone number is available at support.apple.com/en-ie/HT201232). Apple will require
Your Covered Equipment serial number before providing assistance. Your claim will be settled by
means of the options set out in clause 7.4.
7.2. During the Hardware Coverage service, Apple or the Apple Authorised Service Provider will delete
any data held within the Covered Equipment and reformat the storage media. You should back up
all data on a regular basis and prior to making a claim where possible.
7.3. If requested, You must produce proof of purchase for Your Covered Equipment and Your POC
certificate in order to validate that Your Apple product is Covered Equipment.
7.4. Valid claims for Hardware Coverage can be made using one of the following options:
7.4.1. Carry-in service. You can return Your Covered Equipment to an Apple retail store or an Apple
Authorised Service Provider. A repair will be undertaken or a replacement provided in accordance
with clause 4.1. Once the repair is complete or a replacement is available (as applicable), You will
be notified to come to the Apple retail store or Apple Authorised Service Provider to collect Your
Covered Equipment.
If You return the Covered Equipment to an Apple retail store, some repairs can be completed on
the spot. It is advisable to make a reservation in advance on apple.com/retail.
7.4.2. Mail-in service. Apple will send You the prepaid postage and packaging required so that You
can send Your Covered Equipment to Apple. Once the screening or repair is complete, Apple will
return the Covered Equipment or a replacement of the Covered Equipment to You. Apple will pay
postage costs to and from Your location if all instructions are followed by You.
7.4.3. Express Replacement Service (“ERS”). Apple will require the Covered Equipment to be
returned and a credit card authorisation to be given as security for the retail price of the
replacement product and applicable shipping costs. If You are unable to provide credit card
authorisation, this service will not be available to You. Apple will send a replacement product to
You along with instructions for the return of the Covered Equipment. If You follow these
instructions, Apple will cancel the credit card authorisation, and You will not be charged for the
replacement product and the shipping to and from Your chosen shipping address. If You fail to
return the original Covered Equipment as instructed or You return a product that is not the
Covered Equipment, Apple will charge Your credit card for the authorised amount.
Please note that ERS is not available for iPod, iPhone Screen-Only, iPhone Back Glass-Only, or
iPhone Screen and Back Glass Accidental Damage claims, however, You may elect to use ERS for
iPhone Screen-Only, iPhone Back Glass-Only, or iPhone Screen and Back Glass Accidental
Damage claims subject to the iPhone Other Accidental Damage Policy Excess listed in the
Appendix.
7.5. The Hardware Coverage service options may vary between countries depending on local
capability. Please visit AppleCare+ Details for further details.
7.6. Where it will not be possible to provide a certain method of service set out above, it may be
necessary to change the method by which Apple provides Hardware Coverage to You.
7.7. If You seek to make a claim under this Policy in a country that is not the country of purchase, You
will need to comply with all applicable import and export laws and regulations, and You will be
responsible for all customs duties, value added tax and other associated taxes and charges that
may apply.
7.8. For Te ch ni ca l Su pp or t, You can make a claim by telephoning Apple (local number available at
support.apple.com/en-ie/HT201232) who will request the Covered Equipment serial number,
before providing assistance.
You can also obtain information by accessing the following free support resources below:
8. Your responsibilities when making a claim
8.1. When making a claim under this Policy, You must comply with the following:
8.1.1. You must provide information about the symptoms and causes of the damage to or problems You
have with the Covered Equipment;
8.1.2. To allow Apple to troubleshoot and otherwise assist with Your claim, if requested, You must
provide information, including but not limited to the Covered Equipment serial number, model,
version of the operating system and software installed, any peripheral devices connected or
installed on the Covered Equipment, any error messages displayed, actions taken before the
Covered Equipment experienced the issue and steps taken to resolve the issue;
8.1.3. You must follow instructions given to You by Apple or the Apple Authorised Service Provider and
pack the Covered Equipment in accordance with shipping instructions given by Apple or the
Apple Authorised Service Provider;
8.1.4. You must not send products and accessories that are not subject to a Hardware Coverage claim
(e.g. protective cases, car chargers, etc.) as these cannot be returned;
8.1.5. You should ensure where possible that Your software and data residing on the Covered
Equipment is backed up. Apple will delete the contents of the Covered Equipment and reformat
the storage media. Neither AIG nor Apple will be responsible for any loss of software or data
residing on the Covered Equipment when it is submitted as part of a claim under this Policy; and
International Support Information
support.apple.com/en-ie/HT201232
Apple Authorised Service Providers and
Apple Retail Stores
locate.apple.com/ie/en/
Apple Support and Service
apple.com/en-ie/contact/
8.1.6. You must provide to Apple all major components of the product subject to Hardware Coverage to
allow Apple to assess the validity of Your claim.
8.2. You will be responsible for reinstalling all other software programs, data and passwords.
8.3. To the maximum extent permitted by applicable law, AIG, Apple, Apple Authorised Service
Providers, and their employees and agents, shall not be liable to You for any indirect losses You
incur, for example the costs of recovering, reprogramming or reproducing any programme or data
or any loss of business, profits, income or anticipated savings resulting from a failure to meet their
obligations under this Policy.
9. Deception, fraud and illegal use
9.1. If any claim is found to be fraudulent or if You knowingly give misleading information when
making a claim, the claim will be declined, and Your Policy will be cancelled with no refund of
Premium due to You. Apple or AIG may inform the police or other regulatory bodies.
9.2. This Policy may be immediately cancelled by AIG in the event that the Covered Equipment is used
in the course of criminal activity or to facilitate or enable any criminal act to take place.
10. Cancellation
10.1. You may cancel this Policy at any time for any reason. If You pay Your Premium in full up front You
may cancel by calling Apple (local number available at support.apple.com/en-ie/HT201232) or by
writing to: Apple Customer Support, Hollyhill Industrial Estate, Hollyhill, Cork, Republic of Ireland.
10.2. If You pay Your Premium in Instalments, You may cancel by contacting the Payment Plan Provider
and request that the Payment Plan Provider cancel Your Policy on Your behalf.
10.3. To cancel this Policy with the return of Your Covered Equipment, go to the original sales channel
of Your Covered Equipment purchase (whether an Apple Authorised Reseller or Apple). You (or
Your Payment Plan Provider) will receive a full Policy refund.
10.4. To receive any refund, You must provide Your original sales receipt and/or Your POC certificate.
10.5. If You cancel this Policy for convenience, not in connection with the return of Your Covered
Equipment, You may be entitled to a refund of Premium which will be calculated on the following
basis:
10.5.1. If You cancel this Policy within thirty (30) days of the date of purchase of Your Policy and You
have paid Your Premium in full upfront, You will receive a refund of the whole Premium You paid,
or if You cancel this Policy within thirty (30) days of the date of purchase of Your Policy and You
have chosen to pay Your Premium by Instalments, You must inform the Payment Plan Provider in
accordance with clause 10.2 and request that it cancel Your Payment Plan Agreement. In these
circumstances, the Payment Plan Provider will refund to You any Instalment payments You have
made.
10.5.2. If You cancel more than thirty (30) days after the Policy purchase date and You pay Your Premium
in full upfront, You will receive a refund of a proportion of the Premium You paid based on the
remaining portion of the Coverage Period. If You have chosen to pay Your Premium by
Instalments and You cancel Your Policy more than thirty (30) days after the date You purchased
Your Policy, You will not be entitled to receive a refund of the Instalment payments You have
made.
10.5.3. If You have already made a valid claim under this Policy, then - whenever You cancel - AIG will
deduct from any refund the value of the benefit You received, which may result in no refund of
Premium being due to You.
10.6. Any refund to which You are entitled shall be paid either by crediting the Payment Source You
used to purchase the Policy or, if this is not possible, then by a bank transfer to You.
All monies which become payable by AIG under this Policy shall, in accordance with section 93 of
the Insurance Act 1936, be payable in Ireland.
10.7. Any refund due may be net of any Insurance Tax that was included in the Premium if this cannot
be recovered from the tax authorities.
10.8. Where You pay the Premium by installments and there are arrears, clause 6.2.4 may apply,
meaning the Payment Plan Provider can request that AIG cancels Your Policy.
11. Transfer of Policy
11.1. You may transfer this Policy when You transfer the Covered Equipment, to someone else who is
resident in Ireland aged eighteen (18) years or over, and the new party will be covered for the
remainder of the Coverage Period. A Business Customer may only transfer this Policy to another
Business Customer.
11.2. You must notify Apple, on behalf of AIG, of the transfer as soon as possible by calling Apple (local
number available at support.apple.com/en-ie/HT201232) or by writing to Apple Customer
Support, Hollyhill Industrial Estate, Hollyhill, Cork, Republic of Ireland. When notifying Apple of the
transfer of the Policy, You must provide the serial number of the Covered Equipment, and the
name, address and email address of the new owner or lessee so that Apple can send an updated
POC certificate to the new owner or lessee. You must provide the new owner or lessee with these
terms & conditions and notify them of the number of claims, if any, for Accidental Damage which
You have made.
11.3. The Policy transfer will be effective when Apple, on behalf of AIG, issues an amended POC
certificate to the transferee.
12. Complaints
12.1. AIG and Apple believe You deserve a courteous, fair and prompt service. AIG has asked Apple to
deal with claim and underwriting complaints on its behalf to ensure You have one point of contact
on all matters. If there is any occasion when the service You receive does not meet Your
expectations, please contact Apple using the appropriate contact details below, providing Your
name and Covered Equipment serial number to help Apple deal with Your comments more
efficiently. Apple can deal with an enquiry in the European language of Your country of residence
(including English).
In Writing:
Apple Customer Support, Hollyhill Industrial Estate,
Hollyhill, Cork, Republic of Ireland
By Telephone:
Local number available at
support.apple.com/en-ie/HT201232
Online:
Via Contact Apple Support at
support.apple.com/en-ie/contact
In Person:
Any Apple-owned retail store, listed on
locate.apple.com/ie/en/
12.2. If Apple is unable to acknowledge a complaint within five (5) business days of receiving it, keep
You informed of progress, and resolve matters to Your satisfaction within eight (8) weeks, You
may be entitled to refer the complaint to one of the following ombudsmen who will review Your
case. Apple will provide details of how to do this when it provides its final response letter
addressing the issues raised.
12.3. Please note: An ombudsman may not consider a complaint if You have not provided Apple with
the opportunity to resolve it previously. You may refer Your complaint to:
Following this complaint procedure does not affect Your right to take legal action.
12.4. If You wish to complain about an insurance policy purchased online, You may be able to use the
European Commission’s Online Dispute Resolution platform, which can be found at ec.europa.eu/
consumers/odr.
12.5. As AIG Europe S.A. is a Luxembourg based insurance company, in addition to the complaints
procedure set out above, You have access to Luxembourg mediator bodies for any complaints
You may have regarding this Policy. Contact details of the Luxembourg mediator bodies are
available on AIG Europe S.A.’s website: apple.com/en-ie/contact/.
13. Insurance Compensation Fund
13.1. You may be entitled to compensation from the scheme in the unlikely event that AIG Europe S.A.
cannot meet its obligations. The maximum amount that could be available in respect of any sum
due to a policyholder is 65% of the sum due or EUR 825,000, whichever is the lesser.
Further information on the Insurance Compensation Fund is available on the Central Bank of
Ireland's website though the following link: centralbank.ie/regulation/industry-market-sectors/
insurance-reinsurance/solvency-ii/insurance-compensation-fund.
14. General Information
14.1. This Policy will be governed by Irish law and You and AIG agree to submit to the courts of Ireland
to determine any dispute arising under or in connection with it.
14.2. The terms & conditions of this Policy will only be available in English and all communication
relating to this Policy will be in English.
14.3. AIG shall not provide cover and shall not pay any claim or provide any benefit under this Policy to
the extent that the provision of such cover, payment of such claim or provision of such benefit
would expose AIG, AIG’s parent company or ultimate controlling entity to any sanction, prohibition
or restriction under United Nations resolutions or the trade or economic sanctions, laws or
regulations of the United Kingdom, the Grand Duchy of Luxembourg, the European Union or the
United States of America.
14.4. Stamp Duty will be paid to the Revenue Commissioners in accordance with the provisions of
section 5 of the Stamp Duties Consolidation Act 1999.
This insurance is underwritten by AIG Europe S.A., an insurance undertaking with R.C.S.
Luxembourg number B 218806. AIG Europe S.A. has its head office at 35 D Avenue John F.
Kennedy, L-1855, Luxembourg, aig.lu/. AIG Europe S.A. is authorised by the Luxembourg
Ministère des Finances and supervised by the Commissariat aux Assurances 7, boulevard Joseph
II, L-1840 Luxembourg, GD de Luxembourg, Tel.: (+352) 22 69 11 - 1, [email protected], caa.lu/.
AIG Europe S.A. Ireland branch has its registered branch office at 30 North Wall Quay,
International Financial Services Centre, Dublin 1, D01 R8H7 and branch registration number
908876 and is regulated for conduct of business in Ireland by the Central Bank of Ireland.
Contact details of the Central Bank of Ireland are P.O. Box 559, North Wall Quay, Dublin 1, D01
F7X3. Telephone: 1890 77 77 77. Fax: 01 6716561. E-mail: [email protected]. Web:
centralbank.ie/.
If a solvency and financial condition report of AIG Europe S.A. is available, it can be found at
aig.lu/.
14.5. Apple Distribution International Limited and its authorised agents or representatives distribute,
sell, administer and handle claims under this Policy on AIG’s behalf. Apple Distribution
International Limited has its registered office at Hollyhill Industrial Estate, Hollyhill, Cork, Republic
of Ireland. Apple Distribution International Limited is regulated by the Central Bank of Ireland.
14.6. Only You (or Your legal representative in the event of Your death) and AIG may enforce the terms
of this Policy.
How AIG uses Personal Information
AIG Europe S.A. (Ireland Branch) is committed to protecting the privacy of customers, claimants and
other business contacts.
“Personal Information” identifies and relates to you or other individuals (e.g. your dependants). By
providing Personal Information you give permission for its use as described below. If you provide Personal
Information about another individual, you confirm that you are authorised to provide it for use as
described below.
The types of Personal Information we may collect and why - Depending on our relationship with you,
Personal Information collected may include: identification and contact information and other Personal
Information provided by you. Personal Information may be used for the following purposes:
•
Insurance administration, e.g. communications, claims processing and payment
•
Management and audit of our business operations
•
To comply with applicable laws or to respond to requests from public or government officials with
a court order in the investigation, detection or prevention of fraud
•
Establishment and defence of legal rights
•
Legal and regulatory compliance, including compliance with laws outside your country of
residence
•
Monitoring and recording of service and support calls for quality, training and security purposes
Sharing of Personal Information - For the above purposes Personal Information may be shared with our
group companies, brokers and other distribution parties, insurers and reinsurers, credit reference
agencies, healthcare professionals and other service providers. Personal Information will be shared with
other third parties (including government authorities) if required by law.
International transfer - Due to the global nature of our business Personal Information may be
transferred to parties (including our group companies, our service providers and governmental
authorities, for the purposes set out above) located in other countries, including the United States and
other countries with different data protection laws than in your country of residence. For example,
Personal Information may be transferred overseas to group companies in the United States who provide
centralised IT support.
Security and retention of Personal Information – Appropriate legal and security measures are used to
protect Personal Information. Our service providers are also selected carefully and required to use
appropriate protective measures. Personal information will be retained for the period necessary to fulfil
the purposes described above.
Requests or questions - To request access or correct inaccurate Personal Information, to request the
deletion or suppression of Personal Information, or to object to its use, please e-mail:
postmaster[email protected] or write to Data Protection Officer, AIG Europe S.A. (Ireland Branch), 30 North
Wall Quay, International Financial Services Centre, Dublin 1, DO1 F7X3, Ireland. More details about our use
of Personal Information can be found in our full Privacy Policy at aig.ie/privacy-policy or you may request
a copy using the contact details above.
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