PayByPhone
Car Contents Insurance

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Cover Details

This is not an all-inclusive coverage guide or policy document. For complete coverage information, please consult the Policy Documents and your confirmation of coverage.*

PayByPhone Car Contents Insurance gives you parking peace of mind.

The PayByPhone app offers you the opportunity to protect your personal belongings and car windows against theft and damage that occurs while parking in PayByPhone parking locations. Below are the details of the insurance policy.

What’s covered:

In the event your vehicle is broken into whilst parked, we will compensate you for the value of any stolen portable personal items, as well as the repair and replacement of broken side and rear windows, up to a total of £2,000 per claim, with NO EXCESS.

What’s not covered:

  • Car fittings and accessories
  • Items not owned by you or your passenger(s)
  • Pets
  • Cash
  • Items on racks or in roof boxes
  • Damage to vehicle body other than detailed above

Such as (but not limited to) wing mirrors, entertainment system, GPS systems, roof racks, catalytic converters, wheels and hub caps, cameras...

* Click here for the complete Policy Documents

FAQ

Where can I find my policy documents?
Your policy documents are attached to the fulfillment email you will have received at the time of purchase. Attached to your email, you will find all your insurance documents, including your certificate of insurance, the Chubb Terms & Conditions, and an Insurance Product Information Document (IPID). If you are having trouble finding your fulfillment email, please check your junk email folders and add cust.servuk@chubb.com.
What are "Portable Items"?
Portable items are things you can easily take with you when leaving your home. This can include items like mobile phones, laptops and tools of trade you usually carry with you, but not belonging to your employer.  Items attached to your vehicle, on racks or in roof boxes, pets, and cash (including coins) are excluded from PayByPhone Car Contents Insurance.
What is an excess?
The excess is the amount you must pay towards a claim you make on your insurance. NO excess is applicable for PayByPhone Car Contents Insurance.
Who’s eligible to purchase PayByPhone Car Contents Insurance?
To be eligible for this cover you must be 17 or over and a resident of the United Kingdom.
Can I go to the auto-glass repaire shop of my choice?
Yes! A receipt will be required to receive your reimbursement. We will ask for proof of any repair or replacement for car window(s) where applicable, this should include the amount paid and when and where the work or purchase was carried out. An example of this would be a receipt or invoice.
What if I have another insurance provider? Will that be affected?
PayByPhone Car Contents Insurance offers you additional protection for smaller incidents so you don’t have to make claims with your other insurance providers, (such as your motor insurer) which may affect your no claims discounts, claims history and future premium rates. Your premium rates for Car Contents Insurance will not be affected if you do make a claim under this policy.  If you claim under this policy, you must not also claim under another policy; however, you should check if you are required to report the incident to your motor insurer and/or declare it when taking out future motor policies, as this may be an obligation or condition under the terms of such policies.
How do I make a claim?
Please visit paybyphone.claims.chubb.com and follow the claims portal instructions to submit your claim. You can also find a link to the claims portal in the Car Contents Insurance confirmation of coverage email received at the time of purchase. If you have any technical difficulties, please contact us: +44 (0)345 841 0059 or email paybyphonedeclaration@chubb.com.
How long do I have to submit a claim?
After your car has been broken into, you must report any claim to the police and to us as soon as you can and within thirty [30] days of the incident occurring.  We may still be able to help if you are unable to report your claim within this time. When you report the claim, please ensure you let us know why you were unable to report the claim within thirty [30] days.
What proof of purchase or ownership is required when making a claim?
Proof of Purchase/Ownership is required for items worth over £250. When we say ‘proof of purchase or ownership’ we mean the original purchase receipt that has details of the personal items. This should be your original invoices or receipts where available. If these are not available, we will accept proof of transaction of the purchase on a bank statement, or a series of photos over time to evidence proof of ownership. If this is not provided for items worth over £250, then we will not be able to accept these items as part of your claim.
How long until you settle my claim?
We will endeavour to settle your claim within ten [10] days of the claim being approved by us. Any payments will be made into a bank account in the name of the policy holder.
How do I make a complaint?
If you are not happy with our service, please contact us at the address below, quoting the policy details, so we can deal with the complaint as soon as possible:

Chubb Complaints Team
The Sentinel Building
103 Waterloo Street
Glasgow
G2 7BW  

Telephone: 0800 519 8026
Email: customerrelations@chubb.com
www.chubb.com/uk-en/about-us-uk/complaints.html
How does my Car Contents Insurance purchase appear on my payment method statement?
The cost of your Car Contents Insurance coverage is processed as a payment separate from your parking time. You will see a separate insurance transaction on the statement of your chosen payment method.
A pre-authorization hold will be placed on your payment method at the start of your coverage time and will close at the end of the coverage time for the final total amount. Just like at a petrol station, we authorize your payment method at the start, and close the transaction for the appropriate amount at the end based on your actual usage.
How does extending or reducing the parking affect my insurance?  
When you park using PayByPhone, your premium charge will be based on the duration of your parking. The insurance fee will cover the nearest 15-minute interval that includes your parking time. If you decide to reduce or extend your parking session with the PayByPhone app, your insurance coverage will also be amended for the nearest 15-minute interval that covers your adjusted duration.
How can I get help with my insurance coverage?
We are always working to improve, so feel free to contact us about our services.
Contact us at 0800 519 8026 or customerrelations@chubb.com.
www.chubb.com/uk-en/about-us-uk/complaints.html
Who is underwriting PayByPhone Car Contents Insurance?
PayByPhone Car Contents Insurance is underwritten by Chubb European Group SE (CEG). PayByPhone is an appointed representative of CEG.
 
Chubb European Group SE is authorised and regulated by the French Prudential Supervision and Resolution Authority. Authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details about the extent of our regulation by the Prudential Regulation Authority are available from us on request.
All content in this material is for general information purposes only. It does not constitute personal advice or a recommendation to any individual or business of any product or service. Please refer to the policy documentation issued for full terms and conditions of coverage.

Chubb European Group SE (CEG).  Operating in the UK through a branch based at 100 Leadenhall Street, London EC3A 3BP.  Risks falling within the European Economic Area are underwritten by CEG which is governed by the provisions of the French insurance code.  Registered company number: 450 327 374 RCS Nanterre.  Registered office: La Tour Carpe Diem, 31 Place des Corolles, Esplanade Nord, 92400 Courbevoie, France. Fully paid share capital of €896,176,662.