Protecting your things should be simple and easy to understand. To help with this, we’ve summarised some important features and limitations of your protection below.
Full details and conditions of your protection can be found in your Terms of Protection.
Additional summarised policy information can be viewed below and in the Insurance Product Information Document.
Trōv insurance is designed to provide protection to the selected property in your Trōv that you choose to protect against accidental damage, loss or theft, with the flexibility to turn your cover on or off at any time.
Where am I covered?
✓ You are covered anywhere in the world.
Your protection can last as long as you want and you can turn it ON or OFF at any time with a few taps from your Trōv.
When you turn protection ON, you’re billed for the time remaining in that month, then on the first of each month thereafter. If you turn protection OFF, you’re refunded the time remaining in that month.
You pay your premium monthly, and monthly premiums may vary as they are calculated on a daily basis.
In the event of a claim or possible claim: You will need to pay the agreed excess as shown in your protection summary. You must tell us what happened and provide us with assistance so that we can investigate your claim.
You must update us of all change of address as soon as possible but not later than 30 days. Not changing these details in your Trōv profile may invalidate your protection.
If you need any assistance or help making a claim you can email email@example.com.
If you change your mind, you can cancel protection back to the start date as if it had never existed within the first 14 days of protection on your first item. You will receive a full refund unless you have made a claim during the Terms of Protection period in which case the full Terms of Protection premium will be payable and no refund will be paid.
Otherwise you can turn off protection of any protected item at any time. If you turn off protection, you will receive a pro-rata refund for any protection you have already paid for and not used.
Turning off protection for the last protected item in your Trōv will bring your agreement with us to an end.
You must secure your pedal cycle whilst unattended with a Trōv approved lock to an immovable object (a solid object fitted onto or into concrete, stone, brick or metal which is not capable of being undone, removed with, or lifted under or over the pedal cycle). Trōv approved locks for a pedal cycle with a market value:
Sold and administered by Trōv International, UK Limited. Trōv International, UK Limited is an Appointed Representative of Ambant Underwriting Services Limited, a company authorised and regulated by the Financial Conduct Authority under firm reference number 597301 to carry on insurance distribution activities. Trōv International, UK Limited is registered in England and Wales company number 09331247. Registered office at The Broadgate Tower, Third Floor, 20 Primrose Street, London, EC2A 2RS. This Terms of Protection is underwritten by Great Lakes Insurance SE which is headquartered in Königinstraße 107, 80802 Munich, Germany. Great Lakes Insurance SE UK Branch is authorised by the German Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin) and subject to limited regulation by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register reference number 769884).
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