WHEREAS the Insured described in the Schedule hereto (hereinafter called the " the Insured/Insured Person/you/your") made a proposal and declaration which shall be the basis of this contract and is deemed to be incorporated herein and having paid or agreed to pay the premium stated in the Schedule as consideration for such insurance during the period stated in the Schedule.

Dhofar Insurance Company S.A.O.G, (hereinafter called the " the Insurer, we, Our , Company or Us ") will subject to the insurance terms exceptions and conditions contained hereinafter indemnify the insured for Risks derived from Accidental Damage for Gadget (Smart Phones, Tablets, Computer and Laptops) insurance policies issued by Dhofar Insurance Company, to the extent of the amount limits and exclusions, Policy conditions, both hereafter enclosed, which will form an integral part of this Insurance.

Dhofar Insurance agrees subject to the terms and conditions contained herein or endorsed or otherwise expressed hereon, to indemnify the Insured to the extent and in the manner specified herein, against accidental damage to the insured gadget as identified hereafter during the Policy period.