Take out or cancel insurance

Coolblue offers various ERGO product insurances that you can take out with your product. ERGO is a German insurance company. With ERGO product insurance, you protect your product from damage or theft. All contact about your insurance goes through Coolblue. You also report damage through us. This means you get an ERGO insurance product, but with Coolblue's service. You can see which ERGO insurances Coolblue offers below.

Mobile devices

For laptops, tablets, smartphones and smartwatches, choose from:

The ERGO Mobile Equipment Insurance including theft. View the policy terms and conditions View the IPID (insurance card)

The ERGO Mobile Equipment Insurance excluding theft. View the policy terms and conditions View the IPID (insurance card)

Large household appliances

For washing machines, dryers, washer dryer combinations, fridges, freezers, and all other large kitchen appliances such as range hoods, choose:

• ERGO Large Household Appliances Insurance. View the policy terms and conditions View the IPID (insurance card)

Other products

We offer the following insurance for other products:

• The ERGO Equipment Insurance.

View the policy terms and conditions View the IPID (insurance card)

On the product page, you can see which Backup Plans we have for your product. You can choose one in your shopping cart. You always purchase a Backup Plan at the same time as the product you want to insure. In the store, we can insure your product within 30 days after your purchase. You may get a new product in that case. After 30 days and for large products like washing machines and large televisions, that's not possible.

Fall and impact damage

Do you have fall or impact damage? You can have your product repaired via Coolblue. The insurance will cover the costs. All you have to pay is the deductible.

Water damage

Is your product damaged because it got into contact with liquids? You can have your product repaired via Coolblue. The insurance will cover the costs. All you have to pay is the deductible.

Manufacturing errors outside the warranty

Is your product no longer working and is it not covered by the standard warranty, or did the warranty expire? The repair costs will be covered by this insurance. All you have to pay is the deductible.

Theft

Is your product stolen and do you have an insurance with theft coverage? Then, you'll receive the current price of the same or a similar product in Coolblue Credit, minus the deductible. This way you can choose a new product afterwards. Theft from your car is also covered, if there are traces of a break-in and your belongings weren't in view.

For a complete overview of what is and isn't insured, always check the IPID (insurance card) or the Terms and Conditions of your ERGO insurance.

• Manufacturing errors that fall under the warranty. We'll repair those free of charge and you don't need an insurance for that.
• Damage that doesn't have any consequences for the operation of the insured device, like dents, scratches, and damage to the finish.
• Damage to or malfunctions of the insured device that can be fixed by cleaning, like accumulated dirt and clogging.
• Damage to hardware that was built in later on, or newly bought hardware that's no longer in its original state.
• Consequential loss: damage not directly suffered by the equipment. For example, if your washing machine breaks down and water leaks and damages your floor, this damage isn't covered by the insurance. You can use your home or household insurance for this.
• Damage by unintentional loss, like forgetting or letting the insured device lie around.

For a complete overview of what is and isn't insured, always check [the IPID (insurance card) or the Terms and Conditions]https://www.coolblue.be/en/customer-service/general-terms-conditions-insurances) of your ERGO insurance.

• Manufacturing errors that fall under the warranty. We'll repair those free of charge and you don't need an insurance for that.
• Damage that doesn't have any consequences for the operation of the insured device, like dents, scratches, and damage to the finish.
• Damage to or malfunctions of the insured device that can be fixed by cleaning, like accumulated dirt and dust.
• Damage to hardware that was built in later on, or newly bought hardware that's no longer in its original state.
• Consequential loss: damage not directly suffered by the equipment. For example, if your phone falls on the ground and makes a dent in the floor, this damage isn't covered by the insurance. You can use your home or household insurance for this.
• Damage by unintentional loss due to negligent behavior, like forgetting or letting the insured device lie around.

For a complete overview of what is and isn't insured, always check [the IPID (insurance card) or the Terms and Conditions]https://www.coolblue.be/en/customer-service/general-terms-conditions-insurances) of your ERGO insurance.

You can cancel your insurance for free up to 30 days after taking out the insurance. Call our customer service for this. You'll receive the premium you paid in advance back. The only condition is that you haven't filed a claim in this period.

For a complete overview, always check the IPID (insurance card) or the Terms and Conditions of your ERGO insurance.

Generally, the insurance lasts until it's cancelled either by you or by us. You can cancel an insurance with a fixed term yearly, no later than 3 months before the end of each year that your insurance is in effect. You can cancel a monthly insurance every month, with a 7-day cancellation period. To do this, send an email to verzekeringen@coolblue.be. If you don't cancel your insurance early, we can do this, up to 3 months before your pre-paid period expires.

In case you have insurance with a fixed term, you pay your insurance in advance for a set period of time. Suppose you've paid your insurance 3 years in advance, and that your premium is € 150. That's means your yearly premium is € 150 / 3 = € 50. If you want to cancel your insurance after 2 years, we'll refund the premium you've paid in excess pro rata. In this case, you've been insured for 2 years, so that's a premium of € 50 x 2 = € 100. But you've paid € 150 in advance and you won't use the third year, so we'll refund € 150 - € 100 = € 50 to you.

As a Belgian resident, you can cancel your multi-year insurance yearly, no later than 3 months before the end of each year that your insurance is in effect. To do this, you send an email to verzekeringen@coolblue.be, in which you indicate that you want to waive the remaining years of the agreed maximum insurance term. Make sure that the email contains your name, address, and policy number as listed on the policy document. We'll refund the remaining premium pro rata. So, if you've cancelled your 2-year insurance within 9 months, you'll be refunded half of the premium you've paid.

If you've returned your product within 30 days, we'll refund the payment you already made. We'll try to do this as soon as possible, but at least within 14 days after we've received your cancelation. If you've returned your product after 30 days, we'll refund the pro rata amount. The only condition is that you haven't filed a claim during this period. We'll take care of the cancelation with the insurance company.

You can cancel your contract by contacting our customer service.