Argos Coversafe Looking after your purchases & payments, just in case you can t

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1 V22 Find it. Gt it. Argos it. Argos Covrsaf Looking aftr your purchass & paymnts, just in cas you can t

2 Policy Summary This summary dos not contain th full trms and conditions of your insuranc policy. Full dtails of th trms, conditions and xclusions of your insuranc policy ar containd in th policy documnt. (1) This insuranc is undrwrittn by St Andrw s Lif Assuranc plc and St Andrw s Insuranc plc. For a dtaild xplanation about which company undrwrits which lmnt of covr, plas rfr to th dfinition of, Us, Our in Part 1 of th Policy, Maning of ords Usd for furthr dtails. (2) Storcard Paymnt Protction Insuranc providing Lif, Accidnt and Sicknss, Unmploymnt, Carr Covr, Critical Illnss, Hospitalisation and Purchas Protction Covr (whr you hav chosn this covr as an option). PLEASE REFER TO YOUR DEMANDS AND NEEDS LETTER FOR CONFIRMATION OF THE COVER YOU HAVE SELECTED. Eligibility To b ligibl for covr you must b on th commncmnt dat, th first namd party on your agrmnt, a UK rsidnt, ovr 18 yars of ag and lss than 65 yars of ag, in mploymnt or slf-mployd and hav bn so continuously for th prvious 6 months and paying th corrct class of National Insuranc Contributions. You must not b awar of any impnding unmploymnt or mdical condition that would stop you from working. If you ar working on a fixd trm contract, you also hav to hav bn mployd for at last 12 conscutiv months with th sam mployr and your contract rnwd at last onc; or hav bn in mploymnt for a total unbrokn priod of 24 months or mor with th sam mployr; or hav bn mployd for at last 6 conscutiv months with th sam mployr and your contract has bn rnwd at last twic; and your contract has a minimum of at last 6 months rmaining on it. Plas not you must hav bn in work immdiatly prior to th incidnt which rsults in you submitting any claim undr th accidnt and sicknss, unmploymnt or carr covr sctions of this policy. (3) Significant Faturs & Bnfits Lif Insuranc If you hav not rachd th ag of 65, w will pay th outstanding balanc to th covrholdr if, during th priod of covr you di, up to a maximum of 15,000. Accidnt and Sicknss Insuranc This part of th policy applis only if you hav chosn to includ Accidnt & Sicknss insuranc as part of your policy. This will b statd on your Dmands and Nds lttr. If you hav not rachd th ag of 65, w will pay an amount qual to 15% of th outstanding balanc at th dat of your disability, up to a maximum of 1,000 pr month if you ar unabl to work du to accidnt or sicknss. You will b ligibl for a monthly bnfit to b paid aftr you hav bn disabld for a continuous priod of 15 days. Furthr monthly bnfits will bcom payabl for ach complt 30 days you ar disabld until th outstanding balanc at th start dat of your disability has bn paid. If w hav paid monthly bnfit for 7 conscutiv months w shall also pay any intrst du on th outstanding balanc and th monthly prmium that you hav paid during th priod of your claim. Unmploymnt Insuranc If you hav not rachd th ag of 65, w will pay an amount qual to 15% of th outstanding balanc at th dat of notification of your unmploymnt, up to a maximum of 1,000 pr month if you suffr involuntary unmploymnt. You will b ligibl for a monthly bnfit to b paid aftr you hav bn unmployd for a continuous priod of 15 days. Furthr monthly bnfits will bcom payabl for ach complt 30 days you ar unmployd until th outstanding balanc at th notification of your unmploymnt has bn paid. If w hav paid monthly bnfit for 7 conscutiv months w shall also pay any intrst du on th outstanding balanc and th monthly prmium that you hav paid during th priod of your claim. Carr Covr Insuranc If you hav not rachd th ag of 65 and your work cass du to th nd for you to bcom a carr for a rlativ, w will pay an amount qual to th outstanding balanc at th dat you bcom a carr or th rmaining monthly paymnts du up to a maximum of 1,000 pr month, until th policy nd dat (whichvr is th lssr). Onc a paymnt has bn mad undr this part of th policy th carr covr part of th policy cass. Critical Illnss Insuranc If you hav not rachd th ag of 65, w will pay th outstanding balanc if you suffr a critical illnss and surviv for a priod of not lss than 28 days up to a maximum of 15,000. Critical Illnss mans cancr, hart attack, kidny failur, coronary artry bypass graft, strok and major organ transplant all rquiring diagnosis by a doctor. Plas rfr to th policy booklt Part 1 Maning of ords Usd for full dfinitions of th illnsss covrd. Hospitalisation Insuranc (this covr starts at 65 and cass whn you ar 70) If you ar confind to hospital as a rsult of an accidntal bodily injury (plas rfr to th policy booklt for th full dfinition of accidntal bodily injury) for not lss than 7 conscutiv days, w will pay on monthly bnfit qual to 15% of th outstanding balanc at th dat of your hospitalisation, up to a to a maximum of 1,000 pr month. If you ar confind to hospital as a rsult of an accidntal bodily injury for mor than 14 conscutiv days, w will pay th outstanding balanc up to a maximum of 15,000. Purchas Protction Insuranc (this covr only applis if you hav chosn to includ purchas protction as part of your policy). Goods purchasd during th trm of covr using your stor card ar covrd against loss, thft or damag for a priod of 120 days from th dat of purchas. In th vnt of damag, th rpair or rplacmnt cost will b mt. Th maximum amount payabl in rspct of a singl articl is 1,500. Th maximum amount payabl for ach vnt is 15,000 and th maximum amount payabl in total pr annum undr this part of th policy is 50,000. Purchas Protction Insuranc (this covr only applis if you hav chosn to includ th fr optional Purchas Protction as part of your policy) Goods purchasd during th trm of covr using your stor card ar covrd against loss, thft or damag for a priod of 120 days from th dat of purchas. In th vnt of damag, th rpair or rplacmnt cost will b mt. Th maximum amount payabl in rspct of a singl articl is 1,500. Th maximum amount payabl

3 for ach vnt is 15,000 and th maximum amount payabl in total pr annum undr this part of th policy is 50,000. (4) Significant Exclusions Dath rsulting from a pr-xisting or chronic mdical condition. Dtails of ths xclusions can b found in th policy documnt in Part 3A, Lif Exclusions. Disability rsulting from a pr-xisting or chronic mdical condition, backach or rlatd conditions unlss radiological vidnc is availabl, mntal or nrvous disordrs (.g. dprssion) or strss rlatd conditions unlss you ar undr th car of and rciving tratmnt from a consultant Psychiatrist. Dtails of ths xclusions can b found in th policy documnt in Part 3B Accidnt and Sicknss Exclusions. Unmploymnt that is voluntary or rsults from your misconduct, or that you ar awar of at th start of covr. Unmploymnt du to th xpiry or trmination of a fixd trm contract, within 180 days of th start of covr. Unmploymnt that rsults from th xpiry of a fixd trm contract of mploymnt, unlss you hav bn mployd on a yarly rnwabl contract which has bn rnwd at last onc, or you hav bn in mploymnt for a total unbrokn priod of 2 yars or mor with th sam mployr. Unmploymnt that occurs whilst you ar on, or is as a rsult of th trmination of, a tmporary contract unlss you hav bn in mploymnt for a priod of 6 months immdiatly bfor you bcam unmployd. If you ar slf mployd, your businss must hav casd to trad as a dirct rsult of bing unabl to pay its dbts whn du. If you ar a company dirctor, your company must hav bn wound up by a crditor who was not a dirctor of that company. Dtails of ths xclusions can b found in th policy documnt in Part 3C Unmploymnt Exclusions. will not pay bnfit if work cass for rasons not associatd with bcoming a carr or if th sicknss, disas, condition or injury of th prson bing card for xistd bfor th start dat of covr. Dtails of ths xclusions can b found in th policy documnt in Part 3D Carr Exclusions. Critical Illnss which rsults from a pr-xisting condition. Dtails of ths xclusions can b found in th policy documnt in Part 3E Critical Illnss Exclusions. Hospitalisation rsulting from a pr-xisting or chronic mdical condition. Dtails of ths xclusions can b found in th policy documnt in Part 3F Hospitalisation Exclusions. hr you hav chosn purchas protction covr, loss, thft or damag to gift vouchrs and tlphon vouchrs is not covrd; or jwllry stoln from baggag unlss it is carrid by hand and is undr th suprvision of you or a family mmbr; or articls stoln from an unattndd vhicl unlss all rasonabl car has bn takn to concal th itm,.g. in a lockd glov compartmnt. Dtails of ths xclusions can b found in th policy documnt in Part 3H Purchas Protction Exclusions. (5) Othr Exclusions/Dfinitions/Limitations Othr xclusions and limitations apply to this policy; s th policy documnt for full dtails. Part 1 for "Maning of ords Usd". Part 2 for Gnral Provisions. Part 3 for Bnfits, Sction A for Lif covr, Sction B for Accidnt and Sicknss covr, Sction C for Unmploymnt covr, Sction D for Carr covr, Sction E for Critical Illnss covr, Sction F for Hospitalisation covr, Sction H for Purchas Protction covr. (6) Duration & Trmination Your covr will trminat at th arlist of th following: your dath; or th dat of diagnosis of a critical illnss whr as a rsult a bnfit is paid, or th dat you rach th ag of 70; or non-paymnt of a prmium; or whn you no longr hav your HRG storcard. (7) Claims All mattrs rlating to claims should b snt to: Claims Managmnt Dpartmnt, PO Box 534, Uxbridg, UB8 1F. Tlphon Fax (8) Complaints All complaints rlating to this policy should b rfrrd to: Customr Liaison Managr, St Andrw's Group plc, PO Box 534, Uxbridg, UB8 1F. If you ar not happy or th complaint has not bn rsolvd to your satisfaction, you may rfr your complaint to th Financial Ombudsman Srvic who will undrtak an indpndnt and impartial rviw of your complaint. Th addrss and tlphon numbr is Financial Ombudsman Srvic, South Quay Plaza, 183 Marsh all, London E14 9SR Tlphon This dos not affct your lgal rights. (9) Financial Srvics Compnsation Schm (FSCS) ar covrd by th Financial Srvics Compnsation Schm (FSCS). You may b ntitld to compnsation from th schm if w cannot mt our obligations. This dpnds on th typ of businss and circumstancs of th claim. Furthr information about compnsation schm arrangmnts is availabl from th FSCS. Contact thm at or call thm on YOUR RIGHTS TO CANCEL You can cancl your covr within 30 days of rciving your policy. You will rciv a full rfund of any prmium you hav paid. If you cancl your covr aftr 30 days of rciving your policy you will not b ntitld to a rfund of prmiums. If you want to cancl your covr, plas writ to: Hom Rtail Group Card Srvics, Royal Avnu, idns A88 1AL. Or call For full dtails plas rfr to sction 2 Gnral Provision no 7 in your policy documnt. Othr Important Information This insuranc is undrwrittn by St Andrw s Insuranc plc (Rgistrd in England No ) and St Andrw s Lif Assuranc plc (Rgistrd in England No ) (Th Insurrs) whos had offics ar at 1 Lovll Park Road, Lds, st Yorkshir LS1 1NS and rgistrd offics at 33 Old Broad Strt, London, England, EC2N 1HZ. Th main businss of th Insurrs is undrwriting paymnt protction insuranc, claims administration and claims sttlmnt. St Andrw s Lif Assuranc plc and St Andrw s Insuranc plc ar authorisd and rgulatd by th Financial Srvics Authority. You can chck this on th FSA rgistr by visiting th FSA wbsit or by contacting th FSA on You incur no additional costs by arranging your insuranc by this mthod. If you hav not xrcisd th right to cancl your insuranc covr within th first 30 days and you subsquntly wish to cancl your insuranc, you can do so at any tim by writing to us at Hom Rtail Group Card Srvics, Royal Avnu, idns, A88 1AL. If w wish to cancl your insuranc w will giv you 60 days notic in writing. English law will apply to th ngotiations that tak plac prior to th conclusion of your insuranc contract. English law applis to th insuranc contract unlss you ask for anothr law and th Insurr agrs to this in writing bfor th start dat of th covr. Th trms and conditions of your policy and th information providd in this documnt will b providd in English, during th trm of your policy w will communicat using th English Languag. will communicat using th English Languag.

4 Your Policy Documnt LIFE, ACCIDENT & SICKNESS, UNEMPLOYMENT, CARER, CRITICAL ILLNESS, HOSPITALISATION INSURANCE (ITH OPTIONAL PURCHASE PROTECTION INSURANCE) MASTER POLICY ST ANDRE'S LIFE ASSURANCE PLC (Rgistrd in England No ) And ST ANDRE'S INSURANCE PLC (Rgistrd in England No ) Both with Had Offics at: 1 Lovll Park Road, Lds, st Yorkshir LS1 1NS. Policy Numbr: 48009J360/48017J579 (Argos Covrsaf Insuranc and Purchas Protction Insuranc) 48015J551/48018J580 (Argos Covrsaf Insuranc Only) Dat of Issu of Policy: 21st Octobr Covrholdr: Hom Rtail Group Card Srvics Ltd. Undr this policy agr to provid bnfit in th vnt of dath, Disability (causd by accidnt or sicknss), Unmploymnt, Critical Illnss, You bcoming a Carr, Hospitalisation and, whr You hav chosn purchas protction insuranc, agr to provid bnfit in th vnt of th dirct physical loss or damag to Insurd Articls, all on th basis of th following trms, conditions and xclusions. Plas chck Your Dmands and Nds lttr to s which lmnts of covr apply to you. If You ar not in good halth at th Commncmnt Dat this may affct Your ability to claim undr crtain sctions of this policy. IMPORTANT: This policy contains gnral provisions and spcific xclusions, which dfin th xtnt of insuranc covr. It is particularly important that You chck that You ar ligibl to b covrd undr this policy by carfully rading th following summary of rquirmnts. On th Commncmnt Dat You must b:- 1. Btwn th ags of 18 and 65; 2. A UK rsidnt; 3. In ork and hav bn so continuously for th prvious 6 months and not awar of any pnding Unmploymnt or mdical condition which would prclud You from ork. Plas not You must hav bn in ork immdiatly prior to th incidnt which rsults in You submitting any claim undr th Accidnt and Sicknss, Unmploymnt or Carr covr sctions of this policy. If during th Priod of Covr Your circumstancs chang.g. You rtir or lav th UK to prmanntly liv abroad, (for a dtaild list s dfinition of Trmination Dat in Part 1 Maning of ords Usd for full dtails of whn Your covr nds), You must contact th Covrholdr immdiatly using th tlphon numbr providd blow. Plas not all insuranc undr this policy nds whn You rach th ag of 65 xcpt in th cas of Purchas Protction and Hospitalisation Covr which lasts until You rach th ag of 70. If You hav any nquiry rgarding Your ligibility, plas contact Us on tlphon numbr * You may contact Us using TypTalk on tlphon numbr * *Tlphon calls may b monitord or rcordd to assist with staff training and for quality control purposs. Th words in bold hav particular manings which ar st out in part 1 of this policy. PART 1 MEANING OF ORDS USED IN THIS POLICY Ths words ar listd in alphabtical ordr and whnvr thy ar usd in th policy in bold typfac thy hav th manings st out blow. AGREEMENT: Your crdit agrmnt with th Covrholdr. ACCIDENTAL BODILY INJURY: bodily injury occurring during th Priod of Covr and causd solly and dirctly by accidntal, xtrnal, visibl and violnt mans and indpndntly of any physical or mntal illnss. CANCER xcluding lss advancd cass: Any malignant tumour positivly diagnosd with histological confirmation and charactrisd by th uncontrolld growth of malignant clls and invasion of tissu. Th trm malignant tumour includs lukamia, lymphoma and sarcoma. For th abov dfinition, th following ar not covrd: All cancrs which ar histologically classifid as any of th following: - pr-malignant, for xampl ssntial thrombocythamia and polycythamia rubra vra; - non-invasiv; - cancr in situ; - having ithr bordrlin malignancy; or - having low malignant potntial. All tumours of th prostat unlss histologically classifid as having a Glason scor gratr than 6 or having progrssd to at last clinical TNM classification T2N0M0. Chronic lymphocytic lukamia unlss histologically classifid as having progrssd to at last Bint Stag A. Any skin cancr othr than malignant mlanoma that has bn histologically classifid as having causd invasion byond th pidrmis (outr layr of skin). CARER: You bing ntirly without ork as a rsult of You rsigning or taking a tmporary unpaid lav of absnc from ork solly du to th nd to car for a Rlativ. CHRONIC CONDITION: any condition, injury, illnss, disas, rlatd condition and/or associatd symptoms rsulting from a chronic condition that was in xistnc at th Commncmnt Dat whthr it rquird mdical attntion or not. A Chronic Condition is a condition which has at last on of th following charactristics: It continus indfinitly; or It is constant and is controlld rathr than curd; or It has symptoms which r-occur and hav rquird consultation, tratmnt or car on mor than on occasion in th past; or It rquirs long-trm monitoring or tratmnt, consultations, chck ups, xaminations or tsts. COMMENCEMENT DATE: th start dat of Your Agrmnt or th dat You ar accptd for insuranc whichvr is th latr. CONFINED TO HOSPITAL: You bing confind to a Hospital on th rcommndation of a Doctor solly as th rsult of an Accidntal Bodily Injury. CORONARY ARTERY BYPASS GRAFT with surgry to divid th brastbon: th undrgoing of surgry rquiring mdian strnotomy (surgry to divid th brastbon) on th advic of a Consultant Cardiologist to corrct narrowing or blockag of on or mor coronary artris with bypass grafts. COVERHOLDER: th company with whom You hav Your Agrmnt. CRITICAL ILLNESS: Hart Attack, Cancr, Coronary Artry Bypass Graft, Kidny Failur, Major Organ Transplant or Strok, all rquiring diagnosis by a Doctor.

5 DISABILITY: a stat of incapacity rsulting solly from an Accidntal Bodily Injury or sicknss or disas which occurs or starts during a priod whn You ar in ork and which wholly prvnts You from doing Your ork or othr work that Your xprinc, ducation or training would allow You to do. Such Disability shall b dmd to start on th day You first consult, or rciv tratmnt from, and ar crtifid as bing unfit to work by, a Doctor. DISABLED: You suffring from Disability and bing undr th continud suprvision of, and rciving tratmnt from, a Doctor. DOCTOR: a mdical practitionr practising in th Unitd Kingdom bing a fully rgistrd prson undr th Mdical Act 1983, othr than You, Your Partnr or any of Your rlativs. EMPLOYMENT: You working for rmunration undr a contract of mploymnt and paying class 1 National Insuranc Contributions (unlss you fall within th dfinition of Slf Employd). HEART ATTACK of spcifid svrity: Dath of hart muscl, du to inadquat blood supply, that has rsultd in all of th following vidnc of acut myocardial infarction: Typical clinical symptoms (for xampl, charactristic chst pain) Nw charactristic lctrocardiographic changs Th charactristic ris of cardiac nzyms or Troponins rcordd at th following lvls or highr; - Troponin T > 1.0 ng/ml - AccuTnI > 0.5 ng/ml or quivalnt thrshold with othr Troponin I mthods. Th vidnc must show a dfinit acut myocardial infarction. For th abov dfinition, th following ar not covrd: Othr acut coronary syndroms including but not limitd to angina. HOSPITAL: a lawfully opratd stablishmnt in th Unitd Kingdom (othr than a convalscnt, nursing or rst hom, or convalscnt, nursing or slf-car or rst sction or unit of a hospital) which has accommodation for rsidnt patints with organisd facilitis for diagnosis and major surgry and which provids a 24 hours a day nursing srvic by rgistrd nurss. HOSPITALISATION: You bing Confind To Hospital. INSURED ARTICLES: mans any articl purchasd during th Priod of Covr using crdit facilitis undr th Agrmnt. Insurd Articls shall not includ gift vouchrs or tlphon vouchrs or othr Argos vouchrs. KIDNEY FAILURE rquiring dialysis: Chronic and nd stag failur of both kidnys to function, as a rsult of which rgular dialysis is ncssary. MAJOR ORGAN TRANSPLANT: Th undrgoing as a rcipint of a transplant of bon marrow or of a complt hart, kidny, livr, lung, or pancras, or inclusion on an official UK waiting list for such a procdur. For th abov dfinition, th following is not covrd: Transplant of any othr organs, parts of organs, tissus or clls. MONTHLY BENEFIT: 15% of th Outstanding Balanc (subjct to a maximum of 1,000 pr month) as at th dat of Your Disability or notification of Your Unmploymnt or Hospitalisation or in th cas of a claim undr th Carr Covr Insuranc part of th policy th dat You cas ork du to th nd for You to bcom a Carr. OUTSTANDING BALANCE: Your total indbtdnss, including th balanc of any dfrrd crdit schms, to th Covrholdr undr th Agrmnt (subjct to a maximum of 15,000) on Your last statmnt bfor th dat of Your dath, diagnosis of Your Critical Illnss, Your Disability or th notification of Your Unmploymnt or Hospitalisation or in th cas of a claim undr th Carr Covr Insuranc part of th policy th dat You cas ork du to th nd for You to bcom a Carr. PARTNER: Your spous, Your civil partnr (as dfind in Sction 1 of th Civil Partnrship Act 2004) or th prson (whthr or not of th sam sx) who You ar prmanntly cohabiting with in a marriag-lik rlationship. PERIOD OF COVER: th priod from th Commncmnt Dat to th Trmination Dat. PRE-EXISTING CONDITION: any condition, injury, illnss, disas, sicknss, rlatd condition and/or associatd symptoms, whthr diagnosd or not about which You: Knw or should rasonably hav known at th Commncmnt Dat; or Had sn or arrangd to s a Doctor during th 6 months immdiatly bfor th Commncmnt Dat. RELATIVE: Your Partnr, parnt or child. SELF-EMPLOYED: You ar Slf-Employd if You ar: hlping with, managing or carrying on businss in th UK, paying class 2 National Insuranc contributions and ar liabl to pay tax undr Schdul D cas, I, II, IV or V of th Incom and Corporation Taxs Act 1988; or a partnr in a partnrship; or a prson who xrciss dirct or indirct control ovr a company (not ncssarily th majority sharholdr or holdr of th majority voting rights); or working for a company and in any way connctd with a prson who has control (as rfrrd to abov) ovr that company (for xampl, You ar on of his or hr family). ST ANDRE'S INSURANCE: St Andrw's Insuranc plc. ST ANDRE'S LIFE: St Andrw's Lif Assuranc plc. STROKE rsulting in prmannt symptoms: Dath of brain tissu du to inadquat blood supply or hamorrhag within th skull rsulting in prmannt nurological dficit with prsisting clinical symptoms. For th abov dfinition, th following ar not covrd: Transint ischamic attack. Traumatic injury to brain tissu or blood vssls. TERMINATION DATE: th arlist of th following dats: i. th dat of Your dath; or ii. th dat of diagnosis of a Critical Illnss whr as a rsult a bnfit has bn paid; or iii. th dat You rach th ag of 70; or iv. th dat of trmination of insuranc covr undr this policy by ithr Us or You or You fail to pay Your prmium whn du; or v. th dat on which th Agrmnt with th Covrholdr is canclld or trminatd. UNEMPLOYMENT/UNEMPLOYED: You bing ntirly without ork and bing rgistrd with th Dpartmnt for ork and Pnsions. You must b activly looking for work. If You ar a woman who has rachd statutory pnsionabl ag You will b considrd as Unmployd if You provid vidnc throughout th priod of Your claim that You ar looking for work. UNITED KINGDOM: England, Scotland, als, Northrn Irland, th Channl Islands and th Isl of Man. U.K. RESIDENT: a prson who livs lawfully in th Unitd Kingdom for at last 40 wks in any 52 wk priod throughout th Priod of Covr, or is a Crown mploy srving ovrsas (for xampl, a srving mmbr of th armd forcs or a diplomat). E, US, OUR: St Andrw's Lif and St Andrw's Insuranc. ORK: bing in Employmnt or Slf-Employd. YOU, YOUR: a U.K. Rsidnt who has applid for this insuranc and has agrd to pay th prmium undr this policy and who at th Commncmnt Dat is:-

6 i. ovr th ag of 18 and undr th ag of 65; and ii. in ork and has bn so continuously for th prvious 6 months and is not awar of any pnding Unmploymnt or mdical condition which would prclud that prson from ork. PART 2 GENERAL PROVISIONS 1. confirm that You will b considrd by Us to hav paid Your prmium at such tim as any sum in rspct of that prmium is rcivd by th Covrholdr. 2. This insuranc shall b for monthly priods and th prmium shall b du monthly on th sam dat as th minimum monthly amount is du to th Covrholdr undr th trms of th Agrmnt. During th Priod of Covr this insuranc shall b automatically rnwd on th sam dat providd th prmium is paid to th Covrholdr. 3. No provision or condition of this policy may b waivd or modifid xcpt by an ndorsmnt signd by an authorisd official on Our bhalf. 4. This policy shall hav no surrndr valu. 5. If any information providd to Us by You or anyon acting on Your bhalf is inaccurat or if You fail to disclos any information which might rasonably affct Our dcision to provid insuranc to You, Your right to any bnfit undr this policy shall nd. 6. If any claim undr this policy is fraudulnt or is intndd to mislad Us or if fraudulnt or mislading mans ar usd by You or anyon acting on Your bhalf to obtain bnfit undr this policy, Your right to any bnfit undr this policy shall nd and shall b ntitld to rcovr any bnfit paid and costs incurrd as a rsult of any such fraudulnt or mislading claim. 7. You can cancl Your covr within 30 days of rciving Your policy. You will rciv a full rfund of any prmium You hav paid. If You cancl Your covr aftr 30 days of rciving Your policy You will not b ntitld to a rfund of prmiums. If You want to cancl Your covr, plas writ to Hom Rtail Group Card Srvics Ltd, Royal Avnu, idns A88 1AL. 8. Excpt undr gnral provision 7 You will not b ntitld to a rfund of any prmium paid undr this policy unlss You wr inligibl at th Commncmnt Dat for insuranc undr this policy and providd that no information supplid to Us by You or on Your bhalf was inaccurat. 9. rsrv th right to mak rasonabl and proportionat changs to Your rat of monthly prmium and trms and conditions of insuranc, but You will b givn at last 60 days advanc writtn notic to Your last known addrss of such a chang for on or mor of th following rasons:- To mak thm asir to undrstand or fairr to You, or To allow Us to introduc nw or improvd systms for looking aftr Your policy, or To corrct mistaks, or changs in taxation, th law, cods of practic or th way ar rgulatd that affcts Us or Your policy, or nw information arising from industry analysis of claims on this typ of policy which indicats that th cost associatd with providing Your policy has incrasd, or nw information arising from claims alrady paid on this typ of policy which indicats that th cost associatd with providing Your policy has incrasd, or any vnt outsid Our control that xpct to impact on futur claims and that could not hav forsn prviously, or to rflct a dcision or rcommndation mad by, or a rquirmnt of, a court, ombudsman, rgulator or similar body or any undrtaking givn to any such body that affcts Us or Your covr, or changs to standards publishd by othr bodis (for xampl, th Association of British Insurrs) which agr will apply to Your covr, or To tak account of changs in th rlvant insuranc markt which ar byond our rasonabl control and which affct our ovrall undrwriting risk, rquiring Us to adjust prmiums up or down for diffrnt typs of policy holdrs to maintain a comptitiv position in that markt, or To rflct changs in th conomy or PPI markt which ar out of Our control and which hav an impact on th amount of mony st asid to nsur ar abl to pay claims on this typ of policy, or To rflct changs to Our administrativ costs causd by changs to Our srvics and th lvl of thos srvics or th way in which thy ar dlivrd. Changs to Your prmium will not dpnd on Your individual circumstancs, for xampl Your halth. Any chang to ithr th trms and conditions of Your policy or Your monthly prmium will tak ffct at th nxt monthly rnwal dat of Your covr on or aftr th nd of th 60 day notic priod. hr rfr to changs in th abov list, man changs know will happn or rasonably bliv will happn or changs that hav alrady takn plac. If chang ithr Your trms and conditions or Your monthly prmium using this condition, w will not mak any furthr changs to ithr Your trms and conditions or Your monthly prmium using this condition for at last 12 months xcpt: To rflct changs in th law, cods of practic or th way ar rgulatd or in taxation that affcts Us or Your covr; or To rflct a dcision or rcommndation mad by, or a rquirmnt of, a court, ombudsman, rgulator or similar body or any undrtaking givn to any such body that affcts Us or Your covr; or To rflct changs to standards publishd by othr bodis (for xampl, th Association of British Insurrs) which agr will apply to Your covr. If giv You notic of any changs using this condition and You ar not happy with that chang, You may cancl Your policy but will not rfund any prmiums alrady paid. Plas contact within 60 days of rciving notification about th chang. 10. may cancl Your policy by giving You at last 60 days writtn notic in advanc to Your last known addrss for ithr of th following rasons. Th cancllation will tak ffct at th nxt monthly rnwal dat of Your policy on or aftr th nd of th 60 day notic priod: Any vnt outsid Our control which maks it impossibl or impracticabl to carry out Our obligations undr Your policy; or Any vnt outsid Our control that rasonably xpct to hav a significant impact on futur claims and that could not hav forsn prviously. 11. It is not possibl for You to transfr Your rights undr this policy. 12. All rfunds of prmium and bnfits payabl undr this policy shall b paid to th Covrholdr for th crdit of th Agrmnt. 13. It is a pr-condition of Our liability that You comply with all Your obligations undr this policy and that You tak all rasonabl stps to minimis Our risk and ongoing liability undr this policy. Y t C S T a T A s s

7 14. This policy, any ndorsmnt to it, any proposal and any othr writtn statmnt mad by You or on Your bhalf on which hav rlid whn accpting You for insuranc undr this policy, shall constitut th ntir contract btwn You and Us. 15. propos to choos English Law as th law which applis to this policy unlss You ask for anothr law and agr to this in writing bfor th Commncmnt Dat. 16. Insurrs shar information with ach othr to prvnt fraudulnt claims via a rgistr of claims. A list of participants is availabl on rqust. Any information You supply on a claim, togthr with information You hav supplid as part of Your proposal and othr information rlating to a claim, will b providd to th rgistr participants. hr suspct fraud may us survillanc to protct Our businss intrst. 17. ar covrd by th Financial Srvics Compnsation Schm (FSCS). You may b ntitld to compnsation from th schm if cannot mt Our obligations. This dpnds on th typ of businss and circumstancs of th claim. Furthr information about compnsation schm arrangmnts is availabl from th FSCS. Contact thm at or call thm on PART 3 BENEFITS (A) Lif Insuranc If You hav not rachd th ag of 65, will pay th Outstanding Balanc to th Covrholdr if, during th Priod of Covr, You di. Exclusions: will not pay bnfit if:- Your dath rsults, dirctly or indirctly, from:- i. an pisod of slf-harm; or ii. a Pr-xisting Condition (S Spcial Nots) or a Chronic Condition; or iii. Alcohol or drug abus Inappropriat us of alcohol or drugs, including but not limitd to th following: Consuming too much alcohol Taking an ovrdos of drugs, whthr lawfully prscribd or othrwis Taking Controlld Drugs (as dfind by th Misus of Drugs Act 1971) othrwis than in accordanc with a lawful prscription. Plas not:- th maximum bnfit payabl undr th Lif Insuranc part of this policy, whn addd to any othr dath bnfit payabl undr a policy undrwrittn by Us in rspct of any of Your Agrmnts with th Covrholdr, is 15,000. Spcial Nots This xclusion will not apply to a Pr-xisting Condition if You hav bn fr from symptoms and hav not consultd a doctor or rcivd tratmnt for a 2-yar priod prior to Your claim. If You had appointmnts to s a Doctor within this priod and ths wr not kpt, th Pr-xisting Condition xclusion will apply unlss You had bn formally dischargd. (B) Accidnt & Sicknss Insuranc This part of th policy applis only if You hav chosn to includ Accidnt & Sicknss insuranc as part of Your policy. This will b statd on Your Dmands and Nds lttr. You must b in ork immdiatly prior to th incidnt which givs ris to th claim If You hav not rachd th ag of 65, will pay Monthly Bnfit to th Covrholdr if, during th Priod of Covr, You suffr Disability. Plas not:- 1. Paymnt of Monthly Bnfit is subjct to th following conditions:- i. You must hav bn Disabld for a continuous priod of 15 days aftr which on Monthly Bnfit shall bcom payabl. ii. a furthr Monthly Bnfit shall bcom payabl in rspct of ach additional complt priod of 30 days during which You ar continuously Disabld until th arlist of th following dats:- a. th dat on which You cas to b Disabld or fail to provid proof that You ar Disabld; or b. th dat on which You rturn to ork; or c. th dat on which th Outstanding Balanc has bn paid; or d. th Trmination Dat; or. th dat on which You rach th ag of Th maximum Monthly Bnfit payabl undr th Accidnt & Sicknss Insuranc part of this policy, whn addd to any othr accidnt & sicknss bnfit bing paid in rspct of that month undr a policy undrwrittn by Us in rspct of any of Your Agrmnts with th Covrholdr, is 1, hr 2 priods of Disability arising from th sam condition, ar sparatd by 3 calndar months or lss will trat this as on continuous claim. 4. Bnfit shall not b payabl undr th Accidnt & Sicknss Insuranc part of this policy if You ar currntly rciving bnfit undr th Unmploymnt Insuranc part of this policy. 5. If hav paid Monthly Bnfit for 7 conscutiv months shall also pay any intrst du on th Outstanding Balanc and th monthly prmium that You hav paid during th priod of Your claim. Exclusions: will not pay bnfits if th Disability rsults, dirctly or indirctly, from:- i. an pisod of slf-harm; or ii. backach and rlatd conditions unlss thr is radiological vidnc of mdical abnormality rsulting in Disability; or iii. Alcohol or drug abus Inappropriat us of alcohol or drugs, including but not limitd to th following: Consuming too much alcohol Taking an ovrdos of drugs, whthr lawfully prscribd or othrwis Taking Controlld Drugs (as dfind by th Misus of Drugs Act 1971) othrwis than in accordanc with a lawful prscription; or iv. any psychotic or psychonurotic illnss, mntal or nrvous disordr or strss or strss rlatd condition, unlss th condition has bn diagnosd by a Consultant Psychiatrist and You ar undr th continud suprvision of, and ar rciving tratmnt from, a Consultant Psychiatrist; or v. tratmnt or surgry which in Our rasonabl opinion was not mdically ncssary to sustain Your quality of lif, carrid out at Your rqust and including cosmtic and similar surgry; or vi. a Pr-xisting Condition (S Spcial Nots) or a Chronic Condition Spcial Nots This xclusion will not apply to a Pr-xisting Condition if You hav bn fr from symptoms and hav not consultd a doctor or rcivd tratmnt for a 2-yar priod prior to Your claim. If You had appointmnts to s a Doctor within this priod and ths wr not kpt, th Pr-xisting Condition xclusion will apply unlss You had bn formally dischargd.

8 (C) Unmploymnt Insuranc If You hav not rachd th ag of 65, will pay Monthly Bnfit to th Covrholdr if, during th Priod of Covr, You suffr Unmploymnt. If You ar Slf-Employd and wish to mak an Unmploymnt claim will only pay bnfit if You ar without ork du to th businss in which You wr Slf-Employd totally and prmanntly casing to trad as a dirct rsult of it bing unabl to pay its dbts as and whn thy fll du. If You ar a company dirctor (as dfind by sction 741 of th Companis Act 1985) Your company must hav bn wound up by a crditor who was not a dirctor of that company. Plas not:- 1. Paymnt of Monthly Bnfit is subjct to th following conditions:- i. You must b activly sking ork. hr You ar inligibl for Job Skr s Allowanc or whr claiming Job Skr s Allowanc is dtrimntal such as if You ar a lon parnt or ovr 60, will accpt 3 pics of altrnativ vidnc pr month that You ar activly sking ork. This will b a combination of job applications, invitations to intrviw, job rjctions or rgistration with a job agncy. ii. You must hav bn Unmployd for a continuous priod of 15 days, aftr which on Monthly Bnfit shall bcom payabl. iii. a furthr Monthly Bnfit shall bcom payabl in rspct of ach additional complt priod of 30 days during which You ar continuously Unmployd until th arlist of th following dats:- a. th dat on which You cas to b Unmployd or fail to provid proof that You ar Unmployd; or b. th dat on which th Outstanding Balanc has bn paid; or c. th Trmination Dat; or d. th dat You rach th ag of Th maximum Monthly Bnfit payabl undr th Unmploymnt Insuranc part of this policy, whn addd to any othr unmploymnt bnfit bing paid in rspct of that month undr a policy undrwrittn by Us in rspct of any of Your Agrmnts with th Covrholdr, is 1, Unmploymnt bnfits ar payabl only if You hav bn in continuous ork for at last 6 months immdiatly prior to th dat of Your Unmploymnt. Subjct to paragraphs 4 and 5, if You cas to b ntitld to Monthly Bnfit undr th Unmploymnt Insuranc part of this policy, thn You will not b ntitld to any furthr Monthly Bnfit undr th Unmploymnt Insuranc part of this policy until You hav rturnd to ork for a continuous priod of at last 6 months. 4. hr You ar Unmployd for 2 priods sparatd by lss than 3 calndar months will trat this as on continuous claim. 5. If whilst You ar Unmployd You wish to commnc tmporary work thn, providd You hav first contactd Us and hav givn Us full dtails of th tmporary work and hav rcivd Our agrmnt, if th tmporary work dos not continu for mor than 6 months will not during that priod pay Monthly Bnfit but will trat Your claim as suspndd and will thraftr, commnc or rsum paymnt of Monthly Bnfit as if You had on continuous claim. 6. If You undrtak a govrnmnt training schm to improv Your mploymnt prospcts, Your claim can continu as long as You continu to provid ongoing vidnc that You ar activly sking ork. 7. Bnfit shall not b payabl undr th Unmploymnt Insuranc part of this policy if You ar currntly rciving bnfit undr th Accidnt & Sicknss Insuranc part of this policy. 8. If hav paid Monthly Bnfit for 7 conscutiv months shall also pay any intrst du on th Outstanding Balanc and th monthly prmium that You hav paid during th priod of Your claim. 9. If, during paymnt of an Unmploymnt claim, You ar not abl to activly sk ork only bcaus of a Disability, may considr continuing to pay Monthly Bnfit subjct to Us not bing rquird to pay mor than th Outstanding Balanc at th dat of th original Unmploymnt. Exclusions: will not pay bnfit if:- i. at th Commncmnt Dat You knw or in Our rasonabl opinion You had rason to bliv You wr to bcom Unmployd; or ii. Your Unmploymnt is in any mannr voluntary (if You hav voluntarily lft Employmnt to bcom a Carr plas rfr to sction D Carr Covr insuranc); or iii. Your Unmploymnt occurs whilst You ar on, or is as a rsult of th trmination of, a tmporary contract unlss You hav bn in mploymnt for a priod of 6 months immdiatly bfor You bcam Unmployd; or iv. You ar, at th dat of Your Unmploymnt:- a. ngagd in an occupation of which Unmploymnt is a rgular or sasonal occurrnc; or b. mployd undr a fixd trm contract of mploymnt, or contract for srvics th trm of which xpirs on a known or fixd dat (for circumstancs whr this xclusion dos not apply s spcial nots blow). v. it would b in rspct of any priod for which You hav rcivd or ar ntitld to a paymnt in liu of notic of th trmination of Your Employmnt; or vi. Your bcoming Unmployd rsults, dirctly or indirctly, from a strik or labour disput; or vii.you bcom Unmployd as a rsult of Your own act, omission or nglignc. Spcial Nots Exclusion iv. b will not apply in th following circumstancs:- 1. You bcom Unmployd du to th xpiry of, or during, a fixd trm contract and immdiatly prior to Your Unmploymnt, You hav bn mployd for at last 12 conscutiv months and Your contract has bn rnwd at last onc. 2. You bcom Unmployd du to th xpiry of, or during, a fixd trm contract and immdiatly prior to Your Unmploymnt, You hav bn in mploymnt for a total unbrokn priod of 24 months or mor with th sam mployr. 3. You bcom Unmployd du to th xpiry of, or during a fixd trm contract and immdiatly prior to Your Unmploymnt, You hav bn mployd for at last 6 conscutiv months with th sam mployr and Your contract has bn rnwd at last twic. 4. You bcom Unmployd du to th xpiry of, or during, a fixd trm contract and You hav prviously bn mployd by th sam mployr on a prmannt basis but wr transfrrd to a fixd trm contract without a brak in mploymnt. In addition, if You ar unabl to mt th mploymnt critria in 1, 2, 3 and 4 abov, and Your contract has bn trminatd bfor th du xpiry dat, You may b ligibl to claim bnfit for th priod until th original xpiry dat of th fixd trm contract, subjct to a maximum of th Outstanding Balanc at th dat of Your original Unmploymnt. (D) Carr Covr Insuranc If You hav not rachd th ag of 65, will pay an amount qual to th Outstanding Balanc at th dat You casd work to bcom

9 a Carr (or th rmaining Monthly Bnfits du to th Trmination Dat if this amount is lssr) if during th Priod of Covr, You bcom a Carr. Paymnt of bnfits is subjct to th following rquirmnts:- 1. You must b in rcipt of Carr allowanc (or any rplacmnt bnfit) or if not ligibl for Carr allowanc (or any rplacmnt bnfit) must b abl to dmonstrat that You hav givn up full tim ork to car for Your Rlativ. 2. You must hav bn a Carr for 15 conscutiv days bfor bnfit bcoms payabl. 3. Prior to any bnfit bing paid undr this sction of th policy, You will hav to provid a lttr from th Doctor of Your Rlativ to confirm th natur and start dat of th condition suffrd. This will includ dtails of whn th patint first consultd for this condition and whn it was first diagnosd. 4. If You wr mployd will writ to Your last mployrs to confirm that You did not lav Your Employmnt for rasons othr than to bcom a Carr. 5. Th maximum Monthly Bnfit payabl undr th Carr Covr Insuranc part of this policy whn addd to any othr carr covr bnfit bing paid in rspct of that month undr a policy undrwrittn by Us in rspct of any of Your Agrmnts with th Covrholdr is 1, Th maximum bnfit payabl undr th Carr Insuranc part of this policy whn addd to any othr carr covr bnfit bing paid by Us undr any policy undrwrittn by Us is 15, Only on bnfit is payabl undr th Carr Insuranc part of th policy. Onc a bnfit has bn paid th Carr Insuranc part of th policy will nd. 8. If You hav rcivd a bnfit undr th Carr Insuranc part of this policy thn You will not b ntitld to a bnfit undr th Accidnt & Sicknss or Unmploymnt Insuranc parts of this policy until a priod of at last 12 months has lapsd from th dat that You bcam a Carr. Exclusions: will not pay bnfits if:- 1. Th sicknss, disas, condition or injury of th prson bing card for xistd prior to th Commncmnt Dat (this xclusion will not apply if, in th opinion of Our Chif Mdical Officr, th sicknss, disas, condition or injury would not hav normally dtrioratd or was not considrd likly to dtriorat to th xtnt that full tim car is rquird during th Priod of Covr); or 2. Your ork cass for any othr rason not associatd with th nd to bcom a Carr; or 3. Your rsignation is from mploymnt which is of a casual or tmporary natur. 4. You ar currntly rciving bnfits undr th Accidnt & Sicknss Insuranc part or Unmploymnt Insuranc part of this policy. (E) Critical Illnss Insuranc Hart Attack of spcifid svrity Cancr xcluding lss advancd cass Coronary Artry Bypass Graft with surgry to divid th brastbon Kidny Failur rquiring dialysis Major Organ Transplant Strok rsulting in prmannt symptoms Ths hadings ar only a guid to what is covrd. Th full dfinitions of th illnsss covrd ar givn in Part 1 Maning of ords Usd. If You hav not rachd th ag of 65, will pay th Outstanding Balanc to th Covrholdr, if during th Priod of Covr, You suffr a Critical Illnss from which You surviv for a priod of 28 days or mor from th dat of diagnosis. Plas not:- Th maximum bnfit payabl undr th critical illnss Insuranc part of this policy, whn addd to any othr critical illnss insuranc bnfit payabl undr a policy undrwrittn by Us in rspct of Your Agrmnts with th Covrholdr, is 15, Pr-xisting Conditions Exclusion No bnfit will b payabl in rspct of a claim arising in connction with a Critical Illnss which was diagnosd bfor th Commncmnt Dat of this policy. In addition, no bnfit will b payabl for any Critical Illnss which, in th opinion of our Chif Mdical Officr, has rsultd dirctly or indirctly from a condition for which You hav prviously rcivd tratmnt or of which You wr awar at th Commncmnt Dat of this policy. NB for th purposs of this xclusion, th suffring or undrgoing of a Hart Attack or Strok is considrd to b th sam condition. 2. Exclusions - will not pay bnfits if th Critical Illnss rsults dirctly or indirctly from:- a. an pisod of slf-harm; or b. Alcohol or drug abus Inappropriat us of alcohol or drugs, including but not limitd to th following: Consuming too much alcohol Taking an ovrdos of drugs, whthr lawfully prscribd or othrwis Taking Controlld Drugs (as dfind by th Misus of Drugs Act 1971) othrwis than in accordanc with a lawful prscription. (F) Hospitalisation Insuranc (Accidntal Bodily Injury Only) Hospitalisation Insuranc is availabl to You from ag 65 and cass whn You rach 70. If You ar Confind to Hospital as a rsult of Accidntal Bodily Injury during th Priod of Covr for a priod of not lss than 7 conscutiv days will pay a Monthly Bnfit to th Covrholdr. If You ar Confind to Hospital as a rsult of Accidntal Bodily Injury during th Priod of Covr for a priod of mor than 14 conscutiv days will pay th Outstanding Balanc to th Covrholdr. 1. Th maximum Monthly Bnfit payabl undr th Hospitalisation Insuranc part of this policy, whn addd to any othr hospitalisation bnfit bing paid in rspct of that month undr a policy undrwrittn by Us in rspct of any of Your Agrmnts with th Covrholdr, is 1, Th maximum bnfit payabl undr th Hospitalisation Insuranc part of this policy, whn addd to any othr hospitalisation bnfit payabl undr a policy undrwrittn by Us in rspct of any of Your Agrmnts with th Covrholdr, is 15, Bnfits shall not b payabl undr th Hospitalisation Insuranc part of this policy if You ar currntly rciving bnfit undr th Accidnt & Sicknss Insuranc part of this policy. Exclusions: will not pay bnfits if th Hospitalisation rsults, dirctly or indirctly, from:- i. an pisod of slf-harm; or ii. Alcohol or drug abus Inappropriat us of alcohol or drugs, including but not limitd to th following: Consuming too much alcohol

10 Taking an ovrdos of drugs, whthr lawfully prscribd or othrwis Taking Controlld Drugs (as dfind by th Misus of Drugs Act 1971) othrwis than in accordanc with a lawful prscription; or iii. tratmnt or surgry which was not mdically ncssary to sustain Your quality of lif, carrid out at Your rqust and including cosmtic and similar surgry; or iv. a Pr-xisting Condition (S Spcial Nots 2) or a Chronic Condition. Spcial Nots This xclusion will not apply to a Pr-xisting Condition if You hav bn fr from symptoms and hav not consultd a doctor or rcivd tratmnt for a 2 yar priod prior to Your claim. If You had appointmnts to s a doctor within this priod and ths wr not kpt, th Pr-xisting Condition xclusion will apply unlss You had bn formally dischargd. (G) Confidntial Mdical and Lgal Hlplins Your policy includs th provision of confidntial, indpndnt mdical and lgal hlplins. Th srvic provids You with assistanc, practical hlp and guidanc on: i. mdical information; ii. lgal information; iii. strss counslling. Tlphon: fr of charg for ths srvics. Lins ar opn 24 hours a day 365 days a yar. Fully traind profssional and advisory staff oprat ths hlplins. Ths srvics ar providd fr of charg during th Priod of Covr. (H) Purchas Protction This part of th policy applis only if You hav chosn to includ Purchas Protction insuranc as part of Your policy. 1. An indmnity is providd for all risks of dirct physical loss or damag to th Insurd Articls purchasd by You. 2. (a) will at Our option, pay ithr:- (i) th cost of rpair of th Insurd Articl or (ii) if th Insurd Articl is rplacd with Our prior approval, th sum dbitd to Your account on purchas of th rplacmnt. (b) In th vnt of damag th cost of rpair or rplacmnt will b mt subjct to a maximum of th original purchas pric. In th vnt of total loss, th original purchas pric of th itm, as vidncd by Your statmnt and appropriat till rcipt, will b mt, subjct always to th limits of th liability st out in this part of this policy. (c) This policy is on of rplacmnt so that, in th vnt of total loss or damag, whr an Insurd Articl is rplacd with Our prior approval, vidnc that th Insurd Articl has bn rplacd with th sam itm will b rquird. If th Insurd Articl is no longr availabl for purchas, vidnc that a similar itm has bn purchasd will b rquird. E.g. If a claim is mad for damag to a pair of curtains and th sam curtains ar no longr availabl for purchas You will b rquird to rplac th Insurd Articl with anothr pair of curtains. 3. will indmnify You subjct to a maximum aggrgat liability of 50,000 pr annum, a maximum of 15,000 for ach vnt and th maximum amount payabl in rspct of any singl Insurd Articl of 1, Th maximum priod of covr is 120 days from th purchas dat of th Insurd Articl or th dat of dlivry whichvr is th latr. 5. If at th dat of loss or damag to any Insurd Articl thr is any othr insuranc covring th sam loss or damag thn You will only b indmnifid to th xtnt that th dirct physical loss or damag has not bn paid by such othr insuranc. This indmnity will not xtnd to any policy xcss. 6. For Insurd Articls purchasd with a partial paymnt utilising th crdit facilitis undr th Agrmnt th total limit of liability will b basd pro rata upon th prcntag th partial paymnt bars to th full purchas pric. 7. In th vnt of loss or damag to an Insurd Articl which is part of a pair or st, this insuranc will only pay for th rplacmnt of th pair or st providd that th itms ar unusabl individually and cannot b rplacd or rpaird individually. EXCLUSIONS 1. Thr shall b no paymnt for loss or damag arising from, or in rspct of: (a) war, invasion, hostilitis, rbllion, insurrction; (b) faults or dfcts covrd by th manufacturr's guarant; (c) th Insurd Articl bing usd for businss purpos; (d) thft from an unattndd motor vhicl xcpt whr all rasonabl car has bn takn to concal th itm (.g. in th boot or lockd in a glov compartmnt and whr th vhicl scurity systm has bn activatd;) () jwllry stoln from baggag unlss it is carrid by hand and undr th prsonal suprvision of You or a mmbr of Your family; (f) fraud, abus, nglct or failur to following th manufacturr s instructions; (g) loss or damag to any Insurd Articl as a rsult of intntional acts by You; (h) damag causd by normal war and tar to th Insurd Articl; (i) damag in th normal cours of play and consumabl sporting itms such as balls and racqut strings; (j) th unxplaind loss of an Insurd Articl; (k) loss of us of th Insurd Articl or any loss ovr and abov th cost of th Insurd Articl; (l) loss or damag causd by th failur of any lctrical or computr quipmnt, softwar, micro-controllr, microchip, accssoris or associatd quipmnt to corrctly rcognis and procss any calndar dat or tim; (m) thft or damag whil th Insurd Articl is in th car, custody or control of anyon othr than You or a mmbr of Your family; (n) thft or damag to th Insurd Articl prior to th dlivry and accptanc in prfct condition by You or somon authorisd by You; (o) thft of any itm from any proprty, land, prmiss or vhicl unlss ntry or xit to th proprty, prmiss or vhicl was gaind by th us of forc, rsulting in physical damag to th proprty, prmiss or vhicl. GENERAL CONDITIONS 1. hn a claim is paid for loss or rplacmnt, th Insurd Articl automatically bcoms Our proprty. 2. It is a condition of th insuranc that any damag causd by malicious prsons or vandals, loss or thft must b notifid to th Polic within 24 hours of discovry of such damag, loss or thft. f a T Y o c Y s c w t T Y f c s d w t w 4 T d t t o C

11 PART 4 CLAIMS PROCEDURE rittn notic of any claim should b givn togthr with, at Your xpns, such information and proof as may rasonably rquir. In th vnt of Your dath to nabl Us to assss Your ntitlmnt to bnfit, additional information may b rquird from a mdical practitionr who has tratd You. In th vnt that additional mdical information is rquird, You agr to Us rqusting and obtaining mdical information from any mdical practitionr who has tratd You. Throughout any priod for which Disability, Unmploymnt or Hospitalisation bnfits ar claimd You should provid, at Your xpns, such proof of continud Disability, Unmploymnt or Hospitalisation as may b rasonably rquird. In th cas of a Disability or Hospitalisation Claim this may includ copis of Your Mdical Crtificats and/or Doctor s Statmnts. In th cas of an Unmploymnt claim this may includ documntary vidnc that You ar activly sking r-mploymnt including copis of job application forms, intrviw lttrs and rjction lttrs. Othr than in xcptional circumstancs, no bnfits shall b payabl for any priod for which th rquird substantiating proof is not providd. In th vnt that You bcom a Carr, to nabl Us to assss Your ntitlmnt to bnfit, additional information will b rquird from Your mployr and You agr to Us rqusting and obtaining such information. If You ar Slf Employd, You will nd to provid such vidnc that Your businss has totally and prmanntly casd to trad. You will also b askd to provid at Your xpns writtn confirmation from th Doctor of Your Rlativ confirming th dtails surrounding thir mdical condition. may rquir You, at Our xpns, to b xamind by a mdical xaminr of Our choic. If You fail to attnd any such xamination, no furthr bnfit shall b payabl. may also arrang for an agnt rprsnting Us to visit You. Th purpos of any such visit will b to gathr dtails rlating to Your claim in ordr to nsur an accurat assssmnt. It is ssntial that You mak yourslf availabl for any such visit. If You fail to do so, no furthr bnfit shall b payabl unlss circumstancs byond Your control hav ld to Your unavailability. hn making a claim for Unmploymnt bnfits, Your claim may b slctd for Back to ork Assistanc. This spcialisd srvic is dsignd to provid guidanc and assistanc with Your job sarch and is providd at Our xpns. If Your claim is slctd, Your claim dtails will b providd to Our Back to ork Assistanc srvic providr. Purchas Protction Insuranc hr You hav chosn to includ Purchas Protction Insuranc undr this policy, th following procdurs will apply to any claims mad undr this insuranc. Notic of any claim must b givn within 45 days of th dat that th loss or damag occurs. A claim form will b forwardd to You whn such notification is mad. Failur to giv such notic within 45 days will rsult in th loss of bnfits in rspct of Your claim. Th compltd claim form togthr with th rquird documntation must b rturnd to Us within 90 days of th loss or damag occurring. Upon rqust from Us, You or th gift rcipint will snd th damagd itm for which a claim is mad to an addrss dsignatd by Us. will ask You or th gift rcipint to forward th damagd itm to Us, by rcordd dlivry. will mt th rasonabl costs of postag. will not accpt rsponsibility for any itm not rcivd by Us. In th vnt that you nd to mak a claim undr this policy, plas contact: Claims Managmnt Dpartmnt PO Box 534 Uxbridg UB8 1F Tlphon: * Fax: You may contact Us using TypTalk, Tlphon * *Tlphon calls may b monitord or rcordd to assist with staff training and for quality control purposs. PART 5 CUSTOMER SERVICE Any nquiry or complaint rgarding this policy should in th first instanc b addrssd to:- Customr Liaison Managr St Andrw s Group plc PO Box 534 Uxbridg UB8 1F Plas supply dtails of Your Agrmnt numbr to nabl th nquiry to b dalt with promptly. If You hav any rason to complain to Us will dal with Your complaint in th following way: 1. will try Our bst to rsolv Your complaint to Your satisfaction straight away and in any vnt bfor th nd of th nxt working day. 2. If cannot do this, will snd You an Acknowldgmnt Lttr within 5 working days and tll You who will b handling Your complaint and how to contact thm. will also tll You how will dal with Your complaint. 3. If can rsolv Your complaint in lss than 5 days, will snd You a Final Rspons Lttr which will inform You whthr : accpt Your complaint and will tll You what will offr You to mak amnds; or rjct Your complaint and will xplain th rasons for doing so; or rjct Your complaint but in som circumstancs will offr You som form of compnsation and will xplain in full why this is bing offrd to You. 4. If w cannot rsolv Your complaint within 5 working days w must within 4 wks of rciving Your complaint ithr snd a Final Rspons Lttr as dtaild abov, or snd You a Holding Rspons Lttr xplaining why ar not in a position to rsolv Your complaint and indicat whn will mak furthr contact. 5. If within a furthr 4 wks (i.. 8 wks from th dat first rcivd Your complaint) ar still unabl to rsolv Your complaint, will at this tim:- Eithr snd You a Final Rspons Lttr; or If cannot mak a final rspons will tll You why and indicat whn will mak furthr contact. 6. Aftr 8 wks, or whnvr snd You a Final Rspons Lttr if that is soonr, You can rfr Your complaint to th Financial Ombudsman Srvic if You ar not satisfid with th outcom of Your complaint or th dlay in rsolving it. hn writ to You, will snd You a copy of th laflt tlling You how to complain to th Financial Ombudsman Srvic and that You can do this within 6 months of Our snding You th laflt. Th Financial Ombudsman Srvic is at:- South Quay Plaza, 183 Marsh all, London, E14 9SR. Tlphon No: Non of th abov affcts any right of action You may hav.

12 About our Insuranc Srvics Hom Rtail Group Card Srvics Ltd, Royal Avnu, idns A88 1AL 1. hos products do w offr? For Argos Covrsaf insuranc w act as an agnt of th insurr and ar contractd to offr only th products of St Andrw s Lif Assuranc plc and St Andrw s Insuranc plc. 2. hich srvic will w provid you? will always aim to nsur that you hav sufficint information to mak an informd dcision. For intrnt applications you will not rciv advic on whthr this product is suitabl for your nds. If you apply ovr th tlphon w will assss your dmands and nds and mak a rcommndation basd on thm. 3. hat will you hav to pay us for our srvics? Thr will b no f for our srvics. 4. ho rgulats us? Hom Rtail Group Card Srvics Ltd is an appointd rprsntativ of Hom Rtail Group Insuranc Srvics Ltd (HIS), Avbury, Avbury Boulvard, Saxon Gat st, Milton Kyns MK9 2N, who ar authorisd and rgulatd by th Financial Srvics Authority (FSA). FSA Rgistr numbr for Hom Rtail Group Insuranc Srvics is Hom Rtail Group Card Srvics and HIS ar part of th sam group of companis. Th group also includs All Countis Insuranc Company Ltd. Hom Rtail Group Insuranc Srvics prmittd businss is arranging and administring gnral insuranc contracts. You can chck this on th FSA's Rgistr by visiting or by contacting th FSA on hat to do if you hav a complaint? do hop that you will b happy with th srvic that w provid in rlation to this insuranc. Howvr, if for any rason you ar unhappy w would lik to har from you, plas contact our Customr Srvic Dpartmnt on or at th addrss at th top of th pag. If you cannot sttl your complaint with us, you may b ntitld to rfr it to th Financial Srvics Ombudsman Srvic. 6. Ar w covrd by th Financial Srvics Compnsation Schm (FSCS)? ar covrd by th FSCS. You may b ntitld to compnsation from th schm if w cannot mt our obligations. This dpnds on th typ of businss and th circumstancs of th claim. Insuranc advising and arranging is covrd for 100% of th first 2,000 and 90% of th rmaindr of th claim without any uppr limit. Furthr information about compnsation schm arrangmnts is availabl from th FSCS. 7. Prmiums and Paymnts HIS holds all prmiums, rfunds and bnfits payabl undr and in connction with purchas and paymnt protction insuranc as an agnt of St Andrw's Lif Assuranc plc and St Andrw s Insuranc plc. Argos Card Srvics, Royal Avnu, idns A88 1AL Tl: Rgistrd offic: Hom Rtail Group Card Srvics Limitd, Avbury Boulvard, Saxon Gat st, Cntral Milton Kyns MK9 2N. Rgistrd in England Numbr AC0164/ACS/13487/ ,021

Remember you can apply online. It s quick and easy. Go to www.gov.uk/advancedlearningloans. Title. Forename(s) Surname. Sex. Male Date of birth D

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