Frequently Asked Questions

FAQ About Curacao Credit Shield Plans:

• How is CCS Plus different from CCS Basic?

  CCS Plus offers the same benefits as CCS Basic with the exception that with CCS + offers product replacement. When a customer enrolls in CCS+ their purchases will be covered for up to 36 months after purchase.

• With product replacement are there items that are not covered?

  Yes, items valued at less than $50, accessories, clothes, and other non-perishables good are not eligible for replacement under CCS Plus.

• If a customer has CCS+ and their product was stolen do they submit an CCS form or a Response Indemnity?

  When a customer wants to submit a claim for stolen property for products purchased on accounts: 00, 99’, or 50’s and they have CCS+ they will submit a insurance claim using the Response Indemnity form and not an CCS form.

• Are the forms for Response Indemnity different if the customer has CCS+ and will be submitting a claim?

  No, the same form that is used for claims that are for purchases done under installments.

• Where can I find the CCS Plus Declaration and CCS Plus Disclosure?

  The CCS Plus Declaration and CCS Plus Disclosure can be found under Paperless Documents on the AR. They look similar to the Insurance and Insurance Disclosure for property insurance bought under installments.

• When a claim is submitted a copy of the invoice must be submitted also, for purchases under sub accounts 00, 99, and 50's the copy of the invoice that the customer and that we can see on Paperless is only in the form of a long receipt, is sending a copy of this sufficient?

  Yes, unlike purchases done on installment accounts where the invoice is a sheet detailing all items, balance of the subaccount, and fixed payments that gets faxed with purchases on 00, 99, and 50's the invoice that resembles a long receipt is what you would fax as proof of purchase.

• For how long are purchases protected?

  After the one-time enrollment CCS+ will protect all their purchases for up to 36 months or until till their account reaches a zero balance whichever comes first.

• Can a customer enrolled in CCS+ buy additional property insurance on purchases done under sub accounts 00, 99, and 50s?

  No, additional property insurance cannot be purchased on purchases done under sub accounts 00, 99, and 50's since their enrollment under CCS+ has the product replacement benefit built in. Additional property insurance can only be bought on purchases done under installment accounts, that are 01-09, and they must be enrolled in CCS Basic.

• If a customer enrolled in CCS+ submits a claim and is approved, does that mean their balance will be cancelled?

  No, customers with CCS+ who submit a claim for stolen property and are approved will receive a product replacement only; their balance will not be cancelled.

• Where can a customer call to find out more about their claim?

  A customer may follow up with their claim by calling the following number: 1.800.888.2738, extension 8391 Monday through Friday between 8:00 a.m. and 6:00 p.m. (EST).

• If a customer submits a claim and their account is currently late can they still go ahead and submit a claim?

  Yes, they may do so; however the customer needs to be reminded that they need to put their account up to date. If they submit a claim and it is approved they will not be able to do a reselection until their account is up to date.

• If a customer is enrolled in CCS+ and they make an additional purchase on subaccount 01 and do not buy additional property insurance can they receive the product replacement benefit on the purchase?

  No, if a purchase is done under any installment sub accounts and no additional property insurance is purchase and the customer is enrolled in CCS+ their purchase is not covered for product replacement; in cases like that the customer may submit an CCS Activation form along with a full and in detail police report.