Pioneer Assurance

All Risks Cover

Phone and gadget cover

What is this?

It covers your portable things — phone, laptop, camera. Loss and damage from any cause count, unless the policy excludes it.

What it covers	Phones, laptops, cameras and other portable things, against loss and damage from any cause not excluded
What it costs	not disclosed
What is excluded	not disclosed

Pioneer Assurance does not publish what it charges. We looked for one charge and found no figure for any of them:

The cover stops at the end of the year you paid for. Nothing comes back.

There is nothing to take out. This is cover, not savings.

It could work for you if

You carry things worth more than you could easily replace.

Think twice if

You want to know the price, the excess, or what is excluded before you call. None of the three is published.

EWon't tell you what it costs

1 of 7 answered

What do they charge you every year?
This kind of charge does not exist on this product.
What is taken off the money you pay in?
This kind of charge does not exist on this product.
What does it cost to get out early?
There is nothing to cash out, so there is no exit charge.
What is the smallest amount you can start with?
They do not publish a minimum. You have to ask an agent.
How long is your money tied up?
Not applicable to this kind of product.
Is the advertised return before or after their charges?
This kind of product does not advertise a return.
Do they warn you the return is not guaranteed?
This kind of product does not advertise a return.
Do they tell you what you get back if you stop early?
You get whatever your money is worth on the day. There is no schedule.
Do they list what is not covered?
No list of exclusions appears in the sources we checked.
Are all their charges published?
No. 1 charge is mentioned without a figure.
Do they say who regulates them?
They do not say who supervises them.

This grades how openly things are explained, not whether the plan is good or bad. See how we work it out.

· The cover is "all risks unless specifically excluded", and the exclusions are not published. You cannot know what the promise is until you hold the policy.
· No price, no excess and no regulator appear on the page.
· Pioneer Assurance is supervised by the IRA, but you would not learn that here.