You are eligible for Cellphone Protection if you pay your cellphone bill with your BMW Precision World Elite or BMW World Mastercard each month. Coverage begins the first day of the calendar month after you make a payment. If you fail to make a cellphone bill payment in a particular month, your coverage will be suspended. Coverage will resume on the first day of the calendar month after the date of any future cellphone bill payment made with your BMW Precision World Elite or BMW World Mastercard.

Coverage is limited to damage or theft up to $800 per claim for Elite cardmembers/$600 per claim for World cardmembers, subject to the terms, conditions, exclusions, and limits of liability of this benefit as well as the fifty-dollar ($50) deductible. The maximum liability is $800/$600 per claim occurrence, two (2) claims per year, and $1,000 per twelve (12) month period.

This benefit is supplemental coverage, which means that it will reimburse you for theft or damage to your cellphone not otherwise covered by another insurance policy (for example; cellphone insurance programs, or your homeowner's, renter's, automobile, or employer's insurance policies). If you do have personal insurance that covers theft or damage to your cellphone, this benefit reimburses you for the deductible portion of your cellphone insurance. If you do not have personal insurance, the benefit reimburses you for the covered theft or damage of your cellphone.

This benefit is provided to BMW Precision World Elite or BMW World Mastercard cardmembers at no additional cost.

Here are some examples of what is not covered:

• Cellphone accessories other than the standard battery and/or standard antenna provided by the manufacturer.
• Cellphones purchased for resale or for professional or commercial use.
• Eligible cellphones that are lost or "Mysteriously Disappear".
• Cellphones under the care and control of a common carrier, including, but not limited to, the U.S. Postal Service, airplanes or delivery service.
• Cellphones stolen from baggage unless hand-carried and under the Eligible Person's supervision or under the supervision of the Eligible Person's traveling companion who is previously known to the Eligible Person.
• Cellphones stolen from a construction site.
• Cellphones that are not received as a part of a recurring monthly plan from a cellular provider.
• Cosmetic damage to the Eligible Cellphone or damage that does not impact the Eligible Cellphone's ability to make or receive phone calls.
• Damage or theft resulting from abuse, intentional acts, fraud, hostilities of any kind (including, but not limited to, war, invasion, rebellion or insurrection), confiscation by the authorities, risks of contraband, illegal activities, normal wear and tear, flood, earthquake, radioactive contamination, or damage from inherent product defects or vermin.
• Damage or theft resulting from mis-delivery or voluntary parting from the Eligible Cellphone.
• Replacement Cellphone(s) purchased from other than a cellular service provider's retail or internet store; or Taxes, delivery or transportation charges or any fees associated with the service provided.

For a full list of limitations and other exclusions please review the Mastercard Guide to Benefits.

You must report the claim within ninety (90) days of the loss or the claim may not be honored. If the claim is due to theft, a copy of the police report filed within forty-eight (48) hours of the theft must be provided. Use the following steps to file your claim:

• Visit mycardbenefits.com or call 1-800-Mastercard to request a claim form.
• Submit the following documentation within one hundred and twenty (120) days of the date you report the claim or the claims may not be honored:
• Completed and signed claim form
• Eligible Person's card statement reflecting the monthly Eligible Cellphone payments for the month preceding the date the Eligible Cellphone was Stolen or suffered damage
• A copy of the Eligible Person's current wireless service provider's billing statement
• A copy of the original Eligible Cellphone purchase receipt or other sufficient proof of the Eligible Cellphone model currently linked to the Eligible Person's Eligible Cellphone account
• A copy of the insurance claim to the Eligible Person's cellphone insurance, or in the event that the claim amount is less than the Eligible Person's deductible, a copy of the policy's declarations page.
• If a claim is due to damage, a copy of the repair estimate and photos of the damage
• If the claim is due to theft, a copy of the police report filed within forty-eight (48) hours of the theft must be provided.

Under normal circumstances, reimbursement will take place within ten (10) business days of receipt and approval of your claim form and all necessary documents.

Yes, if you already have personal insurance, then this benefit is supplemental coverage, which means that it will reimburse you for theft or damage not otherwise covered by another insurance policy (for example cellphone insurance programs, or your homeowner's, renter's, automobile, or employer's insurance policies). You must first file a claim with any applicable preexisting insurance.