All the protection you need
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- Erin Mathews
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1 Insurance
2 All the protection you need When it comes to protecting what matters most, from the future of your family to your home and its contents, we can help you find the cover you need. To find out more you can go to barclays.co.uk/insurance call us on *, or visit us in branch.
3 Contents 03 Find the right insurance for you Finer Home Insurance Travel insurance Personal accident insurance Life insurance Other policies
4 Finer Home Insurance 04 Home insurance at a level that suits you When you need to make a claim we are there for you. Our claims team is available 24/7, 365 days a year. Contents insurance Switching promise 50,000 Standard cover for possessions in your home for theft and damage caused by fire and flood amongst other risks that are listed within policy documents. Cover can be increased up to 80,000 if required. 3,000 For the theft of belongings in garages and outbuildings. Damage by other insured events, such as fire, is covered up to the contents sum insured. 10,000 For unspecified valuables such as jewellery and works of art (single items worth more than 2,500 can be specified on your policy). Terms, conditions and exclusions apply. Please read the policy document and summary so you know what s covered and what s not. barclays.co.uk/homeinsurance * in branch
5 Finer Home Insurance 05 Optional extras for an additional premium Accidents Choose from two levels of cover: First level covers damage to mirrors, fixed glass in furniture and non-portable home entertainment equipment. Second level covers all other accidental damage to contents in the home. Worldwide Worldwide cover for loss or damage to personal belongings including clothing, jewellery, mobile phones, MP3 players, tablets, sports and photographic equipment choose your level of cover up to 10,000. Bike protection Worldwide pedal cycle cover to insure your bike for loss or damage at home and away choose your level of cover up to 2,500. Terms, conditions and exclusions apply. Please read the policy document and summary so you know what s covered and what s not. How to apply in branch * barclays.co.uk/homeinsurance Remember to have the following to hand: Details of your property and its contents. Any claims made in the past five years, including dates and amounts claimed.
6 Finer Home Insurance 06 Buildings insurance 500,000 Standard cover for damage caused to your home by fire, flood, storm and subsidence, amongst other risks that are listed within the policy document. Legal liability Switching promise Up to 2 million to cover your legal liability as owner for incidents at the property. Up to 100,000 To cover the cost of alternative housing for you and your pets in the event of your home being uninhabitable due to an insured event. Optional extras for an additional premium Accidents Choose from two levels of cover: First level covers accidental damage to fixed glass and bathroom fittings. Second level covers accidental damage occurring to all of your building, and its fixtures and fittings, not already covered by your buildings policy. Terms, conditions and exclusions apply. Please read the policy document and summary so you know what s covered and what s not. barclays.co.uk/homeinsurance * in branch
7 Finer Home Insurance 07 Optional extras for both building and contents insurance for an additional premium Emergency Home emergency cover up to 1,000 for call out, parts and labour, including central heating failure, blocked drains and problems with vermin such as rats or wasps inside your property. Legal expenses Up to 50,000 to pay for a qualified person to act on your behalf in the event of an employment, consumer, personal injury, or property dispute. Plus, you can call 24 hours a day for confidential legal advice on personal matters. Matching items Cover for undamaged items that form part of a set, suite or pair, should one item be damaged and cannot be repaired or replaced with a match. Protected no claims Safeguard your accumulated no claims discount if you have been insured and claims-free for five years. Switching promise We promise to reimburse any cancellation fees, should you have to pay any to your existing insurer when you switch your home insurance to us. A cancellation fee is a fee charged by your previous insurer for cancelling your insurance and does not include any broker fees or premium you are due to pay. You ll need to give us evidence of cancellation and confirmation of the fee paid to qualify. Terms, conditions and exclusions apply. Please read the policy document and summary so you know what s covered and what s not. How to apply in branch * barclays.co.uk/homeinsurance Remember to have the following to hand: Details of your property, including construction type and year of build. Any claims made in the past five years, including dates and amounts claimed. The rebuild cost of your property.
8 Finer Home Insurance 08 Finer Home Insurance for bespoke high-value protection Contents insurance Contents cover worth 80,000 and above. Worldwide cover Cover for your personal belongings wherever you are in the world. Pairs, sets and suites We will replace a whole matching set if just one damaged item cannot be replaced. Student cover Up to 5,000 cover for members of your household in full-time education. Fine Arts and Antiques Optional cover on artworks and antiques for loss or damage in your home or elsewhere, if temporarily removed. There is a single article limit of 15,000 unless individually specified. Will rise up to 200% of amount insured if value increases on death of artist. Terms, conditions and exclusions apply. Please read the policy document and summary so you know what s covered and what s not. How to apply in branch * barclays.co.uk/finer Remember to have the following to hand: Details of your property, including construction type and year of build. Any claims made in the past five years, including dates and amounts claimed. The rebuild cost of your property.
9 Finer Home Insurance 09 Buildings insurance For properties with a rebuild value of over 500,000. Re-landscaping Up to 25,000 for re-landscaping your garden after fire, explosion, malicious persons, riot, being hit by vehicles, animals or aircraft, or up to 5,000 for theft or attempted theft. Second home Cover can include second homes buy-to-let properties and weekend homes in UK, France, mainland Spain, Republic of Ireland, or Portugal. Leaks Up to 15,000 for costs of tracing and assessing water leaks. Public liability cover 24/7 Claims helpline available 24 hours a day, 365 days a year, with a dedicated claims manager to handle your claim from start to finish. Worth up to 10 million. Terms, conditions and exclusions apply. Please read the policy document and summary so you know what s covered and what s not. How to apply in branch * barclays.co.uk/finer Remember to have the following to hand: Details of your property, including construction type and year of build. Any claims made in the past five years, including dates and amounts claimed. The rebuild cost of your property.
10 Travel insurance 10 Travel insurance to suit your holiday plans Your trip, your insurance Choose either Single or Annual Multi- Trip insurance and between three levels of cover Travel Essentials, Travel and Travel Plus. Cover Travel Essentials Travel Travel Plus Medical emergency & repatriation expenses Cancellation/ cutting short your trip 1 million 5 million 10 million 500 2,500 5,000 Travel delay Delayed baggage Personal baggage (optional) 500 1,250 1,500 Personal money (optional) Personal liability 1 million 2 million 2 million Legal expenses 10,000 15,000 25,000 Independent Traveller cover Travel Plus and Travel Insurance both come with cover for independent travellers, which protects against unforeseen events such as airline strikes, airport closures or an epidemic. Excesses apply under some sections of cover. Terms, conditions and exclusions apply. Please read the policy document and summary so you know what s covered and what s not. barclays.co.uk/travelinsurance * in branch
11 Travel insurance 11 Optional extra cover for an additional premium Wedding Additional cover for wedding rings and gifts if you re getting married overseas. Winter sports Protection against injury, loss or damage of equipment, unused hire costs and piste closure. Golf Cover for equipment, replacement hire costs and green fees. Business Covering you if you re travelling on business (available on Annual Multi-Trip policies only). Travel policy ages Policies available to those aged for Single-Trip, for Annual Multi-Trip and under- 16s if they are on a family policy. If you re over 79 we can still help you to find cover just call us on *. Extended Trip travel insurance Medical and cancellation Up to 5 million cover for medical emergencies and repatriation, and up to 3,000 cover if you have to cancel or cut short your trip. Independent Traveller cover See table for details days Worldwide cover for days for travellers aged 40 and under at the start of their trip. Optional cover Options available for personal money, personal baggage and winter sports. Terms, conditions and exclusions apply. Please read the policy document and summary so you know what s covered and what s not. barclays.co.uk/travelinsurance * in branch
12 Personal insurance 12 Personal accident insurance if the unexpected happens Personal Accident Plan Financial protection against any immediate financial difficulties you encounter after an accident or injury. Up to 250,000 Claim a lump sum, depending on the extent of your injury, up to 250,000 for Gold Cover. No medical You can get cover in minutes. Choice Choose from two levels of accident insurance cover. Instant cover We won t keep you waiting. 24/7 Coverage 24 hours a day, 365 days a year, almost anywhere in the world. Family cover You have the option to include cover for your partner and children aged six months to 23 years (children have reduced levels of cover please see the policy summary for details). Don t miss out You can receive your benefits on top of any other insurance, compensation or state benefits to which you re entitled. Terms, conditions and exclusions apply. Please read the policy document and summary so you know what s covered and what s not. barclays.co.uk/healthinsurance * in branch
13 Life insurance 13 Life insurance to protect your loved ones Life insurance Tailored cover so you can keep caring for your family whatever happens. Lump sum A cash lump sum if you die before your policy ends, or if you are diagnosed with a terminal illness before the last 12 months of your policy and you are not expected to live more than 12 months. Fast cover Get a quick quote in two minutes, in branch or on the phone, and be covered in 15 minutes years Cover can be taken from the age of and must finish by the age of 70. Barclays Life Insurance is provided by Aviva Life and Pensions UK Limited. Terms, conditions and exclusions apply. Please read the policy document and summary so you know what s covered and what s not. barclays.co.uk/lifeinsurance * in branch
14 Life insurance 14 Tailored benefits Up to 500,000 Cover can be provided from a minimum of 5,000 up to a maximum of 500,000 dependent upon age. Term cover Choose from Level, Family Decreasing or Mortgage Decreasing Term cover. Sole/joint names Cover can be taken in sole or joint names. Choice Choose your level of cover, or the amount you want to pay every month. 6 a month Premiums start from 6 a month and are guaranteed not to change during the life of the policy. From one to 51 years The term of cover can be from one to 51 years. Barclays Life Insurance is provided by Aviva Life and Pensions UK Limited. Terms, conditions and exclusions apply. Please read the policy document and summary so you know what s covered and what s not. How to apply in branch * Remember to have the following to hand: the names of any illnesses that run in your family. information about any medication you re currently taking or treatment you re having. your doctor s details.
15 Life insurance 15 Mortgage Life or Life with Critical illness cover designed to help protect your mortgage, helping to keep the family home. Life Cover Life Cover pays out a lump sum if you die during the length of the policy or are diagnosed with a terminal illness and you are not expected to live more than 12 months. Terminal Illness Cover is not available during the last 12 months of your policy. Life with Critical Illness Cover Life with Critical Illness Cover pays out a lump sum if you die during the length of the policy, or are diagnosed with a terminal illness or with one of the specified critical illnesses. Terminal Illness Cover is not available during the last 12 months of your policy. Sole or Joint You can have cover on a joint or sole basis dependent upon your needs. Term Cover You can choose from level or decreasing cover dependent upon the mortgage repayment method. Complete retailer If you are interested in cover that could be used to help repay your mortgage debts, our Mortgage advisors can offer free advice on Life insurance with or without Critical Illness Cover From 6 a month Premiums start from 6 a month and are guaranteed not to change during the life of the policy, unless you make a change to the policy. Policies are provided by Legal & General Speak to one of our Mortgage Advisors at your local branch or call us on * barclays.co.uk/homeinsurance * in branch
16 Other policies 16 Other policies you may find useful Student Possessions Insurance Up to 500 Flexible cover Money Computer Individual items covered up to 500 each (or more if you specify separately). You can choose the limit of the cover you want, between 2,000 and 8,000. You can claim up to 100 for personal money that is lost or stolen, and up to 500 for fraudulent use of credit and debit cards anywhere in the world. Optional cover for loss or damage to your personal computer equipment within the UK (between 500 min and 2,000 max). Up to 250 Up to 1,000 Protection Portable Accidental damage cover for home entertainment equipment, mirrors and glass. Tenant s liability cover including cover for loaned college property and library books. Protection against fire, theft, flood, civil unrest and other risks. Option to extend cover to portable items including mobile phones. Terms, conditions and exclusions apply. Please read the policy document and summary so you know what s covered and what s not. barclays.co.uk/studentinsurance * in branch
17 Other policies 17 Business Insurance tailored for your business Run a business and want to protect it from risks? Barclays Business Insurance (brought to you and provided by Allianz) is designed to help you. Insurance packages Choose the most relevant package for your trade or profession, with no need to select individual covers. Each package includes key covers for your chosen industry and you ll have the option to include extra protection to tailor the package to your needs. Terms, conditions and exclusions apply. Please read the policy document and summary so you know what s covered and what s not. How to apply in branch barclays.co.uk/businessinsurance
18 Other policies 18 Insurance packages Complete contractor Complete business Complete motor trade Complete property owner For construction trades or professional services. For manufacturing, assembling, warehousing and other businesses. Specialised cover for those in the motor trade. Insurance for landlords of commercial and residential properties. Complete office For all types of offices and surgeries. Complete retailer For shops, restaurants and bars. Complete homeworking For those who work from home. Individual cover Choose individual covers to build your own package. Select from 23 different types of cover. Terms, conditions and exclusions apply. Please read the policy document and summary so you know what s covered and what s not. How to apply in branch barclays.co.uk/businessinsurance
19 Terms and conditions Data Protection Act Under the Data Protection Act you have a right of access to certain personal records. Should you wish to exercise this right, please write to the Data Protection Team, Barclays Bank PLC, Knutsford, Cheshire WA16 9EU, quoting ref. APP99. A fee will be charged for this service. Barclays Bank PLC is covered by the Financial Ombudsman Service (UK branches only). Disclosure (in relation to insurance cover provided as part of the Barclays Current Account range) You are responsible for providing complete and accurate information to insurers when you take out your insurance policy, throughout the life of your policy, and when you renew your insurance. It is important that you ensure that all statements you make on the proposal forms, claim forms and other documents are full and accurate. If you fail to disclose any information to your insurers, this could invalidate your insurance cover and could mean that part or all of the claim may not be paid. Governing law (in relation to insurance cover provided as part of the Barclays Current Account range) If you buy insurance in the United Kingdom, you can choose which law will apply to your policy. Unless you and the Insurer make a written agreement saying otherwise before the policy is issued, the law of England and Wales will apply. The governing law for Aviva Life Insurance is the law of England and Wales only, so for Life Insurance and Over 50 s Life Assurance English law will apply. The Direct Debit Guarantee This Guarantee is offered by all Banks and Building Societies that take part in the Direct Debit Scheme. The efficiency and security of the Scheme is monitored and protected by your own Bank or Building Society. If the amount to be paid or the payment date changes, you will be told of this in advance by at least 14 days as agreed. If an error is made by the company or your Bank or Building Society, you are guaranteed a full and immediate refund from your branch of the amount paid. You can cancel a Direct Debit at any time by writing to your Bank or Building Society. Please also send a copy of your letter to the originator/company. Your feedback We want to hear from you if you feel unhappy with the service you have received from us. Letting us know your concerns gives us the opportunity to put matters right for you and improve our service to all our customers. You can complain in person at your branch, in writing, by or by telephone. A leaflet detailing how we deal with complaints is available upon request in any of our branches, from the Barclays Information Line on * or at barclays.co.uk Alternatively, you can write to Barclays, Leicester LE87 2BB. If we do not resolve your complaint internally to your satisfaction, you may be able to refer it to the Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR (Tel: *). The Financial Ombudsman Service is an organisation set up by law to give consumers a free and independent service for resolving disputes with financial firms. Details of those who are eligible complainants can be obtained from the Financial Ombudsman Service.
20 If you want to talk through or find out more about anything in this brochure, visit any branch, call us or visit our website. Online barclays.co.uk/insurance By phone * Visit us in branch To get this in Braille, large print or audio call * (via Text Relay) or visit barclays.co.uk/accessibleservices Call monitoring and charges information * Calls may be recorded and/or monitored for security and training purposes. Calls to 0800 numbers are free from a UK landline. For BT residential customers calls to 0845 numbers will cost no more than 4.1p per minute, plus a 15p call set-up fee (current at October 2013). The price of non-bt lines may differ. The insurer of Student Possessions Insurance and the insurer of Barclays Home Insurance is Gresham Insurance Company Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered Office: 8 Surrey Street, Norwich, Norfolk NR1 3NG. Registered in England, Registered No Barclays Travel Insurance is administered by FirstAssist Insurance Services which is a trading style of Cigna Insurance Services (Europe) Limited. Cigna Insurance Services (Europe) Limited is authorised and regulated by the Financial Conduct Authority. This policy is underwritten by Great Lakes Reinsurance (UK) PLC, which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Barclays Personal Accident Insurance is arranged by Barclays Insurance Services Company Limited and underwritten by Aviva Insurance Limited. Aviva Insurance Limited. Registered in Scotland, No Registered Office: Pitheavlis, Perth PH2 0NH is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Barclays Insurance Services Company Limited is authorised and regulated by the Financial Conduct Authority (Financial Services Register No ). Registered in England, Registered no: Registered Office: 1 Churchill Place, London E14 5HP. The insurer for Life Insurance and Critical Illness Cover mortgage-linked is Legal & General Assurance Society Limited, who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Barclays Bank PLC act as an introducer to Allianz Insurance plc for Barclays Business Insurance which is arranged, administered and underwritten by Allianz Insurance plc (registered number 84638), registered office 57 Ladymead, Guildford, Surrey GU1 1DB. Allianz Insurance plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register number Barclays Bank PLC is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register No ). Registered in England. Registered No Registered Office: 1 Churchill Place, London E14 5HP. Item ref: Created: 01/14
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