On this insurance card you will find the most important information about your insurance. The policy conditions state in detail what is covered and what is not covered and what your rights and obligations are. When you report a claim, the policy and the policy conditions are leading. We advise you to read the policy terms and conditions (PTC-BE-GM-2022-2) carefully.
This insurance provides cover for damage to a specific product as stated on the policy schedule.
The product listed on the policy schedule, including the originally supplied accessories, is insured for, among other things:
Damage by animals
Damage by own fault
Defects after warranty
Damage by overvoltage
Damage by fire or lightning
Other external causes
The insurance can be taken out for both private and business use.
The cost of repair or replacement is covered up to the original purchase price.
In the event of damage Harmony Service Center B.V. will arrange for repair or replacement of the product and will pay the expenses.
In case of replacement, an equivalent product will be provided.
Damage caused by you on purpose or incurred while performing criminal acts.
Damage caused by negligence such as being left unattended.
Loss and theft.
Damage as a result of being under the influence of drugs and/or alcohol.
Dents, scratches and external damage that do not affect the operation of the product.
Normal wear and tear or slow deterioration, such as with batteries and accumulators. Also, the water resistance as defined in the defined in the IP standards is subject to wear and tear and falls under gradual deterioration.
Damage from viruses, software programs or apps.
Damage to purchased accessories.
Consequential damage, such as expenses or loss profit that results from the inability to use the product.
This insurance provides worldwide coverage. At home, while traveling, at work or at school.
Repair or replacement will be handled in Belgium
What are my obligations?
You must take all reasonable precautions to prevent theft and damage. This means that you, when given a reasonable choice, choose the safest option.
Do not use your device near water or in humid places like the bathroom.
In case of damage, please contact Harmony Service Center B.V. as soon as possible.
You must follow the instructions as pointed out in the user’s manual.
The premium is paid periodically or for the entire duration of the insurance. This is usually done by direct debit but can sometimes be done in full or in part directly at the time of taking out the policy.
You pay the premium per month. This is done by direct debit. After the minimum period you can cancel on a monthly basis.
Change of premium
A decrease or increase in the insurance tax and unusual claim behavior can affect the amount of the premium. Should this be the case, Harmony will notify you.
Your (temporary) coverage will take effect at the time the insurance has been taken out. Within 14 days you will receive the final confirmation by e-mail including your policy schedule.
We may terminate your insurance within one month of processing a claim, subject to of two months’ notice. This also applies during the minimum contract term.
During the provisional coverage, within 14 days of receiving the policy schedule or after the minimum duration of the contract, you can cancel your contract. If you cancel after the minimum duration of the contract, a notice period of one month applies. Both we and you can terminate the insurance after a loss.
If you have made a claim, this right will lapse. Do you want to arrange your affairs quickly and digitally? That is possible through My Harmony. You can view your policy schedule and personal details at any time. Or you can submit a claim directly online. Would you rather speak to an employee? Our customer service is available from Monday to Friday between 8.30 and 18.00 on telephone number 078 – 48 37 93 or via email@example.com.