KnightBrook Insurance Company
4751 Wilshire Blvd, Los Angeles, CA 90010 888-333-8198
TERMS OF PROTECTION
CALIFORNIA AMENDATORY ENDORSEMENT
Under Eligibility Requirements, the fourth bullet is deleted in its entirety and replaced with the following:
- YOU, a family member, or member of YOUR household own the item (with exception to leased mobile phones); and
The If your item cannot be repaired provision is deleted in its entirety and replaced with the following:
If your item cannot be repaired
If WE cannot repair YOUR PROTECTED ITEM, WE will provide YOU with an exact replacement. If an exact replacement is not available, WE will replace it with one with equivalent features (new or refurbished). If WE are not able to repair or replace YOUR PROTECTED ITEM, WE will pay YOU an amount reflective of the PROTECTED ITEM’S replacement value in the form of cash. If available for YOUR item, YOU may also be offered the choice of a gift card or voucher.
If YOUR item is replaced, PROTECTION for YOUR PROTECTED ITEM will end. If YOU want to PROTECT the replacement item, YOU will need to purchase PROTECTION for the replacement item through the Trōv application (see ‘Managing YOUR PROTECTION’).
The We may stop your protection provision is deleted in its entirety and replaced with the following:
We may stop your protection
Should YOU fail to make YOUR payment when due on the first (1st) of each month, WE will email YOU to notify YOU that payment has not been received and, WE will give at least ten (10) days notice of cancellation. During this ten (10) day notice period WE will re-attempt to charge YOUR nominated payment method on file. If we are unable to collect payment during this ten (10) day notice period, WE will CANCEL YOUR TERMS OF PROTECTION on the eleventh (11th) day. WE will notify YOU by email to confirm the CANCELLATION of YOUR TERMS OF PROTECTION. If allowed by applicable law, WE may deduct outstanding premium from a claim payment or refuse to pay any pending claims that have occurred during a protection period in which the premium due was not paid.
If WE are no longer able to source replacement parts or replacements for YOUR item, WE may send YOU a non-renewal notice that YOUR item is no longer eligible for PROTECTION.
The following is added to the Other Stuff section:
Payment processing fee
YOUR premium includes a charge of 2.9% to cover the processing costs of the credit and debit card transactions.
The Arbitration Agreement provision is deleted in its entirety and replaced with the following:
Any dispute, claim or controversy arising out of or relating to this TERMS OF PROTECTION or the breach, termination, enforcement, construction, interpretation or validity thereof, including the determination of the scope or applicability of this agreement to arbitrate, may, upon written agreement by YOU and US be determined by final and binding arbitration in the state of California. We both waive the right to resolve any dispute, claim or controversy arising out of or relating to this TERMS OF PROTECTION by a judge and/or jury. We also agree not to participate as a class representative or class member in any class action litigation, any class arbitration or any consolidation of individual arbitrations against each other.
The arbitration shall be conducted in accordance with the Commercial Rules of the American Arbitration Association. Judgment on the Award may be entered in any court having jurisdiction. This TERMS OF PROTECTION and the rights of the parties hereunder shall be governed by and construed in accordance with the laws of the State of California, exclusive of conflict or choice of law rules.
The parties shall maintain the confidential nature of the arbitration proceeding and the award, except as may be necessary to prepare for or conduct the arbitration hearing on the merits, or except as may be necessary in connection with a court application for a preliminary remedy, a judicial challenge to an award or its enforcement, or unless otherwise required by law or judicial decision.
Should YOU remain dissatisfied following OUR final written response or for any other reason, YOU may contact the California Department of Insurance:
Hotline Telephone Numbers
CDI Headquarters Offices
300 Capitol Mall, Suite 1700
Sacramento, CA 95814
San Francisco Office
45 Fremont Street, 23rd Floor
San Francisco, CA 94105
Los Angeles Office
300 South Spring Street, South Tower
Los Angeles, CA 90013
The Department of Insurance is the governing body that assists on complaints about general insurance products. This does not affect YOUR right to take legal action.