INSURANCE  BENEFITS

Frequently Asked Questions

Can insurance benefit be claimed without producing the original cash memo?
No. Original cash memo with all details clearly readable is must to submit the apply for insurance claim.

Is there any time limit to file the claim?
Yes. All claims has to be filed within 30 days from the date of damage or loss.

How do i avail the claim in case of Theft or loss?
All you need to do is to contact the nearest Jumbo Retail Store along with Original Invoice and fill up the claim form. You will have to bring alongwith the Original Police Report to support the claim. In case of loss due to fire or accident, the claim should be supported with report from concerned Civil Defense Department.

How do i avail the claim in case of damage?
All you have to do is to contact the Jumbo Service center in your emirate and fill up the claim form. In case of damage due to an accident, riot, fire hazard etc your claim should be supported with Original Police Report or concerned Civil Defense Department. The service center would prepare the assessment of the expense involved in repair.

Do I have to pay any amount?
Yes. In case of a repair case a nominal deductibles, which would be charged as per the table below:
Invoice value of item Deductibles
Upto AED 750 AED 50
AED 751 to AED 2500 AED 100
AED 2501 to AED 5000 AED 150
AED 5001 to AED 10000 AED 200
AED 10001 & above AED 300

Jumbo service center would make an assessment of expense required and seek approval from Oriental Insurance. Please note that repair work under insurance would be carried out only after the approval from the insurance company.

For example, say an item worth AED 2000 is to be repaired under insurance coverage. Jumbo Service centered has estimated an expense of AED 500 on the same. In this case, you will be charged only a deductible of amount AED 100.

How can I identify the location of a Jumbo retail store and service center in my area?
You can call 04-3362621 or log on to www.jumbocorp.com

What if the item is lost or is not in condition that can be repaired?
In case of theft or damage that is beyond repair (to be certified by Jumbo service center after evaluation), you would be issued a credit note which can be redeemed at any Jumbo Electronics retail store. The amount on the credit note would be derived at after considering the depreciation as detailed below:
Time period from date on invoice Depreciation
Within 3 months Nil
3 months & 1 day to 6 months 10%
6 months & 1 day to 9 months 15%
9 months & 1 day to 12 months 20%

For example, if an item worth AED 1000 is stolen within the first 3 months, you would be issued a credit note of complete amount i.e. AED 1000, whereas if the claim is filed in the 5th month, you would be issued a credit note for 90% of the invoice value i.e. AED 900.

Please note that in case of damage beyond repair Jumbo service center would assess and certify the same. Such item will have to be surrendered by customer and in case of total loss by fire or theft, a police report or civil defense report shall have to be produced to substantiate the claim.

In case of a claim on mobilephones would the SIM cards be also covered?
No. SIM cards are not covered under the scheme. Please also note that in case of theft claim for mobile phone, you will have to cancel the SIM and submit the certificate from Etisalat for the same.

Can I claim multiple claims during the insurance period?
Yes. But only upto the limit of the total cost of the insured item. Hence, the item can be replaced only once but can be repaired multiple times and insurance would be applicable only till the sum of all repairs during the period is equal to the price at which the item was purchased.

Would the item purchased using credit note (issued in case of total loss or theft) be insured?
No.

How will the item be replaced?
Insurance company would issue a credit note to be redeemed at any Jumbo Store. The amount of credit note would consider the depreciation applicable.

What are the cases or events that are excluded from the scheme?
Any damage or loss due to following is not covered under the scheme -

i. Any malfunction covered under the Manufacturer's warranty.

ii. Loss or damage outside the geographical limits of the United Arab Emirates.

iii. Any consequences arising from War, War like operation (whether war declared or not), Act of foreign enemy, Hostilities, civil war, Rebellion, Insurrection, Civil Commotion, Military usurped power, seizure, capture, confiscation, arrest, restraints and/detainment by order of any Government or any other Authority.

iv. Any legal liability of whatsoever nature directly or indirectly caused by or contributed to by or arising from ionizing radioactive or contamination by radio activity from any nuclear waste from combustion of nuclear fuel. For the purpose of this exclusion only combustion shall include any self -sustaining process of nuclear fission;

v) Any loss , destruction, damage or legal liability directly or indirectly caused by or contributed to by or arising from Nuclear weapon materials.

vi) Theft, Loss or damage to the unit left in an unattended vehicle, unless the vehicle is completely locked with all doors, windows & other openings fully secured. There must be an evidence to show forcible break-in on the vehicle, duly supported by a Police Report.

vii) Intentional act or willful neglect, overloading of the instrument & experiments or attempted self repair.

viii) Normal wear & tear, atmospheric or climatic conditions, gradual deterioration, inherent defects or loss or damage caused due to cleaning or repairing or renovating the instrument.

ix) Delay, detention or confiscation by Customs or any Govt. Authority.

x) Any kind of consequential loss.

xi) Hiring or lending to a third party.

xii) Mysterious disappearance.

xiii) Loss or damage to any kind of Soft ware.

Note: All claims would be honored only on approval of M/s.Oriental Insurance Company LLC, P O Box 478, Dubai (UAE).