Summary Description of
Benefits
Summary
| Benefits | Coverage
Scope
Coverage Scope
The
Master Policy provides benefits to you only
if you report a stolen identity event to us
by the contact number stated above as soon as
you become aware of a stolen identity event,
but in no event later than six months after
the stolen identity event occurs and you follow
the instructions given to you in a claims kits
that you will be provided. These instructions
will include notifying major credit bureaus,
the Federal Trade Commission’s Identity
Theft Hotline and appropriate law enforcement
authorities. This claims kit will also instruct
you how to file for benefits under the policy
if the stolen identity event results in losses
covered under the policy.
You
will only be covered if a stolen identity event
first occurs while you are a member of the Master
Policyholder’s insured program and is
reported to us within 6 months. You will not
be covered if the stolen identity event first
occurs after termination of the master policy
or termination of your membership in the Master
Policyholder’s program.
Limits
of Insurance
The
most we shall pay you are the Limits of Insurance
shown above. All Legal Costs shall be part of
and subject to the Aggregate Limit of Insurance.
LEGAL COSTS ARE PART OF, AND NOT IN ADDITION
TO, THE LIMIT OF INSURANCE.
The
Lost Wages Limit of Insurance shown above is
a sublimit of the Aggregate Limit of Insurance
and is the most we shall pay you for lost wages.
Deductible
- You
shall be responsible for the applicable Deductible
amount shown above and you may not insure
against it.
-
You shall be responsible for only one Deductible
during any one policy period.
Other
Insurance
We shall be excess over any other insurance,
including, without limitation, homeowner’s
or renter’s insurance. If you have other
insurance that applies to a loss under this
policy, the other insurance shall pay first.
This policy applies to the amount of loss that
is in excess of the Limit of Insurance of your
other insurance and the total of all your deductibles
and self-insured amounts under all such other
insurance. In no event shall we pay more than
our Limits of Insurance as shown above.
DUPLICATE
COVERAGES
Should
you be enrolled in more than one membership
program insured by us, or any of our affiliates,
we will reimburse you under each membership
program:
a) subject to the applicable deductibles and
limits of liability of each insured membership
program
b) but in no event shall the total amount reimbursed
to you under all membership programs exceed
the actual amount of loss.
COVERAGE
DOES NOT APPLY TO RESIDENTS OF THE STATES OF
NEW YORK AND TEXAS |
