1 Privilege and Privilege Premier current accounts Mobile Phone Insurance and UK & European Motor Breakdown Cover Policy Summaries and Policy Documents
2 2 Contents Mobile Phone Insurance and UK & European Motor Breakdown Cover Contents Mobile Phone Insurance One of the great benefits of your Privilege or Privilege Premier current account is Mobile Phone Insurance. This booklet gives you the full details, from important terms and conditions to what to do if you need to make a claim. Policy summary Page 3 Policy document Page 6 Who is this cover suitable for? Page 7 The cover you recieve Page 8 What you are NOT covered for Page 9 Actions you will need to take on loss, theft, breakdown or damage to your mobile phone Page 11 How to make a claim Page 12 What you need to know about the claims process Page 12 What if your claim is rejected? Page 12 Tell us when your details change Page 12 Fraud Page 13 Price of your insurance Page 13 Duration of this Policy Page 13 Cancelling your insurance Page 13 Making an enquiry or complaint Page 14 Choice of law Page 14 If we need to change the terms of the policy Page 14 Financial Services Compensation Scheme (FSCS) Page 14 Status disclosure Page 14 Contact details Page 14 How we handle your personal information Page 15 UK & European Motor Breakdown Cover If you have taken out a Privilege Premier current account, you also receive UK & European Motor breakdown cover; giving you reassurance that you ll always have someone to rely on if you happen to breakdown. This booklet contains all the information you need to know about your policy, from what to do in an emergency to the terms and conditions of your cover. Demands and needs Page 16 Policy summary Page 17 Policy document Page 18 Significant features and benefits Page 18 Significant and unusual exclusions or limitations Page 18 Services in the UK en route Page 19 Service while abroad Page 19 Service after return home Page 19 How to claim Page 20 Your right to cancel Page 20 Caring for our customers Page 20 Financial Services Compensation Scheme Page 21 Terms and Conditions Page 21
3 Mobile Phone Insurance The Co-operative Bank Privilege and Privilege Premier current account Mobile Phone Insurance provided by Lifestyles Services Group Limited and underwritten by Assurant General Insurance Limited Demands and Needs Mobile Phone Insurance meets the demands and needs of The Co-operative Bank Privilege and Privilege Premier current account holders who wish to ensure that their mobile phone(s) and/or those of their family member(s) is covered against loss, theft, accidental damage, water and liquid damage, electrical or mechanical breakdown and unauthorised calls. The Co-operative Bank are not providing you with a personal recommendation based on your individual circumstances as to whether this Policy is suitable for your needs; and recommend that you read the Policy Summary below. Status Disclosure This policy has been arranged as part of your bank account and is administered by Lifestyle Services Group Limited (Financial Services Register No ) with a single insurer, Assurant General Insurance Limited (Financial Services Register No ). Assurant General Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Lifestyle Services Group Limited is authorised and regulated by the Financial Conduct Authority. All firms register details can be checked on the Financial Services Register by visiting the FCA s website or by phoning Policy summary We recognise that your mobile phone is so much more than just a device to make and receive calls. As a benefit of being a Co-operative Bank Privilege or Privilege Premier current account holder, we will repair or replace your mobile phone(s) in the circumstances summarised below. These are explained in full detail in the Insurance Policy Document. We want you to get the most out of this policy, and that means you need to be clear on what is and isn t covered. The Insurance Summary and Policy Documents provide details of the insurance policy, which you must read to ensure that the policy meets your needs. Full terms and conditions of the policy can be found in the Policy Document. You may need to review this policy periodically to ensure it continues to meet your requirements. What you are covered for This policy covers up to four mobile phone(s) and SIM card(s) for each Co-operative Bank Privilege or Privilege Premier current account (which must be owned by the account holder (you) or their family members. A family member is a relative living at the same address.) Replacing or repairing your mobile phone, up to a maximum value of 1,000 (including VAT) per claim, in the event of: loss theft damage breakdown (including faults occurring anywhere in the world). 3 Mobile Phone Insurance
4 Mobile Phone Insurance 4 Mobile Phone Insurance Unauthorised network charges from the point that your mobile phone was lost or stolen for up to 24 hours after discovery of the loss or theft, up to a maximum value of 2,000 (including VAT) per claim for monthly contract phones and 100 (including VAT) for Pay As You Go phones. Mobile phone accessories that are lost, stolen or damaged at the same time as your mobile phone, up to a maximum value of 350 (including VAT) per claim. What you are NOT covered for You need to pay a contribution every time you make a successful claim of Apple handsets - 75 Non-Apple handsets - 50 This is the excess. Your excess is payable for every accepted claim and must be paid before your claim will be settled. More than 2 instances that give rise to an accepted claim for each account holder in any 12 month period. A full description is in the What you are NOT covered for section of the Policy Document. Theft, loss, damage or breakdown where you have knowingly put your mobile phone at risk or you have not taken care of it. Examples are provided in the What you are NOT covered for section of the Policy Document, which you should read to help you understand the cover. Price of your insurance This policy is provided as a benefit of you being a Co-operative Bank Privilege or Privilege Premier current account holder. The cost is an inclusive part of your Privilege or Privilege Premier current account monthly subscription. Duration of this policy Your policy will remain in place until it is either cancelled by you, or if you close your Co-operative Bank Privilege or Privilege Premier current account. If you need to claim You should tell us about your claim as soon as possible and within 28 days of becoming aware of the loss, theft, damage, or breakdown, and inform the police and your airtime provider (in the case of loss or theft). You may need to send us proof that the mobile phone is yours which should include the make, model, memory size, colour and IMEI number (details of how to find this number are in the section on Actions you will need to take on loss, theft, breakdown or damage to your mobile phone in the Policy Document). We may ask for details on the steps you have taken to report the phone missing and any attempts to recover it. You can make a claim at or by calling Cancelling your insurance You have the right to cancel your insurance at any time. If you or The Co-operative Bank close your account, or The Co-operative Bank terminates the cover provided through the account benefits package, cover will stop immediately unless you are moving from one qualifying account to another. No refund is due upon cancellation. Got a question? Need to make a complaint? We want to make sure you re happy. Should you need to talk to us, contact us by calling or If after making a complaint you are still unhappy, you may contact the Financial Ombudsman Service.
5 Need another copy? This document is also available in large print, audio and Braille, so please do not hesitate to get in touch with us on if you d like to request a copy in one of these formats. The same applies if you just need a replacement. Financial Services Compensation Scheme (FSCS) Assurant General Insurance Limited and Lifestyle Services Group are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme in the unlikely event they cannot meet their liabilities to you. General insurance contracts are covered for 90% of the entire claim with no upper limit. Further information is available from the FSCS by calling and online at fscs.org.uk Mobile Phone Insurance 5 Mobile Phone Insurance
6 Mobile Phone Insurance 6 Mobile Phone Insurance The Co-operative Bank Privilege and Privilege Premier current account Mobile Phone Insurance provided by Lifestyles Services Group Limited and underwritten by Assurant General Insurance Limited Policy document Your Mobile Phone Insurance Policy In this document you will find everything you need to know. Please read this carefully to make sure this policy is right for you; if you have any questions then visit co-operativebank.co.uk/benefits or call us on This policy constitutes an agreement between you and the insurer, Assurant General Insurance Limited. The insurer has appointed Lifestyle Services Group to administer the policy. References to we/us/our relates to Assurant General Insurance Limited and Lifestyle Services Group. Registering your mobile phone To help us administer your policy more effectively and to help simplify the claims process, you can provide us with your mobile phone details. This can be done through co-operativebank.co.uk/benefits or by calling You will need the following information when registering your handset: Make Model IMEI number. The IMEI number is the unique serial number for your mobile phone. You can find it by inputting *#06# into your mobile phone. It should also be noted on the documentation that came with your mobile phone when you purchased it. Your airtime provider may also be able to provide it to you Telephone number
7 Who is this cover suitable for? Summary For many of us, our mobile phone is much more than a device for making calls. It means you can stay in contact wherever you are, it stores valuable memories and so much more. We would advise that you regularly back up the contents of your phone as we are unable to retrieve or provide cover for anything stored on your phone. Description Mobile Phone Insurance This policy is suitable if you have a mobile phone and you want to cover the cost of repairing or replacing your mobile phone against loss, theft, damage and breakdown, subject to an excess payment by you for every accepted claim. You should consider this excess ( 75 for Apple handsets and 50 for non-apple handsets) if you have a basic mobile phone to judge whether this policy is suitable for you. You should consider any other insurance policies you have when deciding if this policy is suitable for you. Please be aware that if your phone is already covered under another policy you cannot make a claim on both polices for one incident. 7 Mobile Phone Insurance It is important to note that mobile phone insurance is offered on the understanding that you will take care of your mobile phone. Having insurance does not mean that you can take risks with your mobile phone, which you would not take if your mobile phone was not insured, as doing so may result in your claim being declined. Further details can be found in the section What you are NOT covered for. We do understand that every claim can be quite different and we will make every effort to take this into consideration when we review a claim.
8 Mobile Phone Insurance 8 Mobile Phone Insurance The cover you receive Risks you are covered for Your mobile phone and SIM card are covered up to a maximum value of 1,000 (including VAT) per claim and against: Loss Theft Damage Breakdown (including faults) occurring anywhere in the world. Benefits you receive Insurance cover for up to four mobile phones and SIM cards for each Co-operative Bank Privilege or Privilege Premier current account (which must be owned by the account holder (you) or their family members. A family member is a relative living at the same address). If your mobile phone is damaged or breaks down we will either: (1) repair the mobile phone (where possible) or (2) replace it with a mobile phone of the same make, model and memory size. If we cannot do this you will be given a choice of models with an equivalent specification. If your mobile phone is lost or stolen we will replace it with a mobile phone of the same make, model and memory size. If we cannot do this you will be given a choice of models with an equivalent specification. Replacements (1) Where we replace the mobile phone, the replacement may be a remanufactured (not brand new) device. (2) We will attempt to replace your phone with one of the same colour but we can t guarantee to do this or replace any limited or special edition mobile phones. (3) Where we send you a replacement or repaired item, this will only be sent to a UK address. If you are charged by your network for your replacement SIM card we will reimburse you. If you make a successful claim for loss or theft and discover you have been charged for calls, texts or data as a result of someone else using your phone. These unauthorised network charges are covered up to a value of 2,000 (including VAT) if you have an airtime contract and 200 (including VAT) if you are on Pay As You Go. If any accessories for your mobile phone are lost, stolen or damaged at the same time as your mobile phone, you are covered for these up to a value of 350 (including VAT). That s cases, headphones, Bluetooth headsets and other similar items. In the event that you are billed by your network provider as a result of your mobile phone being used after it has been lost or stolen, we will pay those charges incurred during the period between: The moment the loss or theft occurred until 24 hours after you discovered it missing. For example, if your phone was stolen at 8am on Tuesday and you discovered it missing at 11am on Wednesday, you would be covered for charges made between 8am Tuesday and 11am Thursday, up to the following cover limits: 2,000 (including VAT) for contract handsets. 200 (including VAT) for Pay As You Go. If your accessories are lost, stolen or damaged at the same time as your mobile phone, we will replace them with accessories of a similar specification. If we are unable to provide a replacement of a similar specification, we will contact you to discuss an alternative settlement.
9 What you are NOT covered for Summary Excess Loss, theft, damage or breakdown as a result of not taking care of your mobile phone Description Mobile Phone Insurance You need to pay a contribution every time you make a successful claim of: Apple handsets - 75 Non-Apple handsets - 50 This is the excess. Your excess is payable for every accepted claim and must be paid before your claim will be settled. We know how important your mobile phone is to you and we expect that you will take care of it. If you don t take care of your mobile phone then we may not pay your claim. Taking care of your mobile phone means: Not knowingly leaving your mobile phone somewhere it is likely to be lost, stolen or damaged. (Just think, would you leave your wallet or purse there?) If you need to leave your mobile phone somewhere then we expect you to lock it away out of sight if at all possible. If you cannot lock it away then you must leave it with someone you trust or concealed out of sight in a safe place. Making reasonable enquiries to find your phone if you think you have lost it. If you knowingly leave your mobile phone where others can see it but you cannot and your mobile phone is then lost or stolen, we may not pay your claim. We will always take into account where you are and what you are doing when we assess whether you have taken care of your phone. If we believe you have not taken care of your mobile phone, and have knowingly taken a risk with it, we may decline your claim. If you knowingly leave your mobile phone somewhere you can t see it but others can, we may decline your claim for not taking care of it, for example: in a cafe or pub you leave your mobile phone on the table when you go to the bar instead of taking it with you leaving your mobile phone on display in your car leaving your mobile phone in the care of someone you don t know well if you are at the gym and you leave your mobile phone on a bench in the changing rooms rather than taking it with you or locking it in a locker intentionally damaging your phone. All of these examples increase the risk of it being lost, stolen or damaged and may result in your claim being declined. The examples are to help you understand what s covered and are not the only reasons a claim could be rejected. 9 Mobile Phone Insurance
10 Mobile Phone Insurance 10 Mobile Phone Insurance Summary Cosmetic damage Contents of your mobile phone Description We only cover damage if it stops the normal functioning of your mobile phone. If it is just a scratch or dent and your mobile phone still works as expected, then we will not repair or replace it. We know scratches and scrapes to your mobile phone aren t nice but we are here to fix your mobile phone when it isn t working, so if it still functions as you would expect then we can t help. For example, a scratched screen would not be covered but a cracked screen would be covered. We only cover the mobile phone, we don t cover the contents. This means that any pictures, software, downloads, apps, music or any other content is not covered by this policy so make sure you back it up regularly. There are lots of ways to back up the contents of your mobile phone and we suggest you do this regularly. If you have a claim and you lose your mobile phone s contents as a result, you can download it on to your new mobile phone and be up and running again in no time. More than two accepted claims in any 12 months (per account holder) Other losses Any device that is not a mobile phone Modifications We insure your mobile phone for up to two accepted claims in any 12-month period. If you make two accepted claims in any 12-month period, your insurance will continue but you will not be able to make claims for any further incidents that happen before the anniversary of the first claim. This is applicable for each account holder separately. For example if you make a claim on 1 January and another on 1 May, you will not be able to make any further claims against this policy for incidents that happen prior to 1 January of the following year. Any cost or losses that can t be resolved by the repair or replacement of your mobile phone. We don t cover any loss of profit, opportunity, goodwill or other similar losses. We just cover the mobile phone, unauthorised network charges and accessories. This policy is only for mobile phones, SIM cards and accessories. This means we only cover devices that are designed to make mobile phone calls. This policy isn t for tablet computers. If your mobile phone has been modified in any way we will only replace the mobile phone, we do not cover the modifications that have been made. Modifications are anything that changes the way your mobile phone looks or operates from the original specifications. This includes things like adding gems, precious metals or making software changes such as unlocking your mobile phone from a network.
11 Mobile Phone Insurance 11 Actions you will need to take on loss, theft, breakdown or damage to your mobile phone Summary Tell your airtime provider if your mobile phone is lost or stolen as soon as you can Description As detailed in The cover you receive section, we only pay for unauthorised network charges from the point your mobile phone is lost or stolen and for up to 24 hours after you discover the loss or theft. If you don t tell your airtime provider within 24 hours you will be responsible for any further charges. If you make a claim for unauthorised network charges you will need to provide either the monthly mobile phone bill, showing the charges, and the bill for the month prior to the unauthorised network charges, or proof of your mobile phone s balance prior to the theft or loss. Mobile Phone Insurance If your mobile phone is lost or stolen report it to the police Report your claim to us as soon as you can but within 28 days Report any loss or theft to the place you believe it has been lost or stolen from Proof of ownership Tell the police about any lost or stolen mobile phone as soon as you can, we will ask you to provide the police reference number before we will pay any claim for loss and theft. If you have difficulty reporting your incident to the police please contact us and we can help to guide you. Tell us about a claim as soon as you can. We expect you to tell us about any claim as soon as possible and within 28 days of discovery of the loss, theft, breakdown or damage. If you don t do this we will still consider your claim, however it makes it difficult for us to investigate your claim, recover your mobile phone if it is lost or stolen or stop any further damage to your mobile phone. You can log your claim online or by telephone, it is really simple. We expect you to report your mobile phone as lost or stolen to the place it was lost or you think it has been stolen from. Often mobile phones are found and handed in to the place they were found. We expect you to report the loss or theft of your mobile phone to the place where you think it was lost or is most likely to be handed back to. We may ask you to provide the details of where your handset was lost or stolen from and actions you have taken to try to recover it. We need to know that the mobile phone, SIM card and accessories you are claiming for are yours. Therefore you will need to provide some form of proof of ownership. You will need to be able to tell us the make and model of your mobile phone. We may ask to see something that tells us that the items you are claiming for belong to you and confirms the make, model, memory size and IMEI number of your mobile phone. The IMEI number is the unique serial number for your mobile phone. You can find it by inputting *#06# into your mobile phone. It should also be noted on the documentation that came with your mobile phone when you purchased it. Your airtime provider may also be able to provide it to you. Proof of ownership could include a till receipt or documentation from your airtime provider. If you don t have any proof of ownership we may decline your claim.
12 Mobile Phone Insurance 12 Mobile Phone Insurance How to make a claim Summary Step One: Step Two: Step Three: Description Please make sure you have read the Actions you will need to take on loss, theft, breakdown or damage to your mobile phone section as this tells you what we may need from you in order to settle your claim. You should tell us about your claim as soon as you can, and within 28 days of discovering the incident. You can do this by contacting us at co-operativebank.co.uk/benefits or by calling We will walk you through the simple claims process and tell you what information you will need to provide for us to assess your claim. Step Four: Step Five: You will need to pay your excess for every accepted claim. Your excess can be paid by Visa, MasterCard and debit cards (we do not accept American Express or Diners Club cards). We will either repair your mobile or send you a replacement. What you need to know about the claims process Repairs may be made using readily available parts, or we may provide refurbished products, which may contain parts which are of similar or equivalent specification, and which may include unbranded parts. This policy is provided in addition to any manufacturer s warranty that applies to your mobile phone ( applicable manufacturer s warranty ). Nothing in this policy is intended to affect your rights under the applicable manufacturer s warranty or your statutory rights. If any repairs authorised by us under this policy invalidate the applicable manufacturer s warranty, we will repair or replace your mobile phone, as necessary, in accordance with the terms of the applicable manufacturer s warranty for the unexpired period of the applicable manufacturer s warranty. If we are unable to replace your phone with the same make and model, we will contact you to discuss an alternative claim settlement. If any lost, stolen or damaged items are recovered after the claim is approved, they shall become the property of the insurer and must be returned to us immediately. Damaged mobile phones, accessories, parts and materials replaced by us, shall become the property of the insurer. Lifestyle Services Group handle all claims on behalf of the insurer. What if your claim is rejected? If you re not happy with the claims decision, we want to hear from you as soon as possible. Please follow the complaints process. Tell us when your details change If you change your mobile phone please tell us so we can keep our records up to date; this can be done quickly and easily online via co-operativebank.co.uk/benefits
13 Fraud We do not tolerate any aspect of fraudulent activity. We work closely and share data with other insurers, law enforcement agencies and airtime providers to identify fraud and support prosecution where the appropriate evidence exists. Our fraud team works tirelessly to prevent and detect fraud. We, and other organisations, may access and use the information recorded by fraud prevention agencies, from both the UK and other countries. It is important that when applying for insurance, or submitting a claim, you or anyone acting on your behalf must take reasonable care to answer all questions honestly and to the best of your knowledge. Failure to do so may affect the validity of your policy or the payment of your claim. If false or inaccurate information is provided and fraud is identified then we will: Not honour the claim and we will cancel your policy. If an excess has been paid this will not be returned. Report you to the relevant authorities and take legal action, if necessary, to recover any money already paid to you under this insurance policy. Pass the details onto your bank or our distribution partner providing this service as part of a wider offering. Put the details of the fraudulent claim onto a Register of Claims through which insurers share information to prevent fraudulent claims. A list of participants and the name and address of the operator are available on request. Pass the details to fraud prevention agencies. Law enforcement agencies may access and use this information. Other organisations may also access and use this information to prevent fraud and money laundering, for example, when: Checking details on applications for credit and credit-related accounts or facilities. Managing credit and credit-related accounts or facilities. Recovering debt. Checking details on proposals and claims for all types of insurance. Checking details of job applicants and employees. Please contact us at if you want to receive details of the relevant fraud prevention agencies. Mobile Phone Insurance 13 Price of your insurance This policy is provided as a benefit of you being a Co-operative Bank Privilege or Privilege Premier current account holder. The cost is an inclusive part of your Privilege or Privilege Premier current account monthly subscription. Duration of this Policy Your account will remain in place until you close your Co-operative Bank Privilege or Privilege Premier current account, or convert it to an alternative current account. Cancelling your insurance You have the right to cancel your insurance at any time. If you or The Co-operative Bank close your account, or The Co-operative Bank terminates the cover provided through the account benefits package, cover will stop immediately unless you are moving from one qualifying account to another. No refund is due upon cancellation. Mobile Phone Insurance
14 Mobile Phone Insurance 14 Mobile Phone Insurance Making an enquiry or complaint We will always try to be fair and reasonable. If you believe we have not provided you with a satisfactory level of service, please tell us so that we can do our best to resolve the problem. The easiest way to contact us is to call us on We will do everything possible to ensure that your query is dealt with promptly. Alternatively, you can or write to: Customer Services Lifestyle Services Group Limited PO Box 98 Blyth NE24 9DL Lifestyle Services Group handle all queries and complaints on behalf of the insurer. If you are not happy with our decision you can, within six months of our final decision, refer your complaint for an independent assessment to: The Financial Ombudsman Service, Exchange Tower, London E14 9SR. Telephone: / Web: Nothing in these terms, including referral to the Financial Ombudsman Service affects your statutory rights. Choice of law English law applies to this policy. It s written in English and all communication with you will be in English. If we need to change the terms of the policy In the event that the insurer needs to change the terms, we will give you 30 days notice in writing to your last known address. This will only be for valid reasons: To respond proportionately to changes in the law To respond to decisions of the Financial Ombudsman Service To meet regulatory requirements, industry guidance or codes of practice To proportionately reflect other increases or reductions associated with providing the cover To change the level of cover to reflect any changes in the mobile market Financial Services Compensation Scheme (FSCS) Lifestyle Services Group Limited and Assurant General Insurance Limited are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if they cannot meet their obligations. General insurance contracts are covered for 90% of the entire claim, without any upper limit. You can get more information about the compensation scheme arrangements by contacting the FSCS on or or by visiting their website at: Status disclosure This Policy has been arranged and is administered by Lifestyle Services Group Limited (Financial Services Register No ) with the insurer: Assurant General Insurance Limited (Financial Services Register no ). Assurant General Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Lifestyle Services Group Limited is authorised and regulated by the Financial Conduct Authority. All firms register details can be checked on the Financial Services Register by visiting the FCA s website: or by phoning Contact details Lifestyle Services Group Limited. Registered in England No Registered Office: Emerald Buildings, Westmere Drive, Crewe Business Park, Crewe CW1 6UN. Assurant General Insurance Limited. Registered in England No Registered Office: Assurant House, 6-12 Victoria Street, Windsor, Berkshire SL4 1EN.
16 UK & European Motor Breakdown Cover 16 UK & European Motor Breakdown Cover The Co-operative Bank Privilege Premier current account UK & European motor breakdown cover provided by RAC Assistance Demands and Needs Roadside This product meets the demands and needs of customers who wish to ensure that following a Breakdown more than a quarter of a mile of their Home address, or place where the Vehicle is normally kept, assistance will be provided in order to attempt to repair the Vehicle at the scene of the Breakdown or, if this is not possible, tow the Vehicle to a location within 10 miles of the scene of the Breakdown. Recovery This product meets the demands and needs of customers who wish to ensure that in the event of a Breakdown, where the Vehicle cannot be fixed locally or at the scene of Breakdown, the Vehicle and up to eight people will be recovered to any destination within the UK. At Home This product meets the demands and needs of customers who wish to ensure that in the event of a Breakdown within a quarter of a mile of their Home address, or place where the vehicle is normally kept, the Vehicle will be repaired or towed to a location within 10 miles of the scene of the Breakdown. Onward Travel This product meets the demands and needs of customers who wish to ensure that in the event the Vehicle cannot be repaired at the scene of the Breakdown or by a local garage, that alternative transport arrangements or accommodation will be provided. European Motoring Assistance This product meets the demands and needs of customers who wish to use their Vehicle throughout most of continental Europe, Turkey, the Mediterranean islands and the Republic of Ireland, and wish to ensure that in the event of a Breakdown whilst abroad, their Vehicle will be fixed at the roadside by a contractor or if this is not possible recovered to a local garage for repair, or if this is not possible, overnight accommodation or alternative form of transport will be provided.
17 Policy summary This policy summary is an important document and contains a summary of the roadside assistance cover afforded to You under Your Policy, which You should read. It does not set out the full terms and conditions of the cover, which can be found in the Policy. Policy Provider Roadside, Recovery and At Home levels of cover are underwritten by RAC Motoring Services. In the Channel Islands and Isle of Man, these covers are underwritten by RAC Insurance limited. Onward Travel and European Breakdown Assistance are underwritten by RAC Insurance Limited. UK & European Motor Breakdown Cover 17 Type of Insurance and Cover This Policy is a personal-based policy which means that You are entitled to the level of cover shown below at the time of a Breakdown in a vehicle. Roadside Recovery At Home Onward Travel European Motoring Assistance. UK & European Motor Breakdown Cover
18 UK & European Motor Breakdown Cover 18 UK & European Motor Breakdown Cover Policy document Significant features and benefits This section outlines the main features and benefits of cover: Roadside Assistance Roadside assistance ¼ mile or more away from Your Home address including a tow for up to 10 miles and taxi fares for up to 20 miles if Your Vehicle cannot be fixed. Recovery As per Roadside plus recovery for up to 8 people and Your Vehicle to any single destination within the UK. At Home As per Roadside plus breakdown assistance at Your Home or within ¼ mile of Your Home address. Onward Travel Replacement car for up to 1 day whilst Your Vehicle is fixed, or, if this is not possible, overnight accommodation or an alternative form of transport will be provided. European Motoring Assistance In the event of a Breakdown of Your Vehicle on its way to a destination abroad, or whilst abroad, Your Vehicle will be fixed at the roadside by a contractor or recovered to a local garage for repair or, if this is not possible, overnight accommodation or an alternative form of transport will be provided. Significant and unusual exclusions or limitations This section outlines the main exclusions, limitations and conditions of cover. Please also read the general exclusions and the vehicle specifications which apply to the Vehicle. Exclusions and limitations applicable to UK cover The following are not covered by this Policy, for full details please refer to the Policy Exclusions section of your terms and conditions booklet: Recovery, At Home and Onward Travel services are not available until 24 hours after commencement of the Policy. Replacing tyres or windows. Missing or broken keys. We will try to arrange the services of a locksmith but You will have to pay for them. The cost of ferry crossings, road toll and congestion charges. Contaminated fuel problems. We will arrange for the Vehicle to be taken to a local garage for assistance, but You will have to pay for the work carried out. Labour at any garage to which the Vehicle is taken. Exclusions and limitations applicable to European Motoring Assistance There is an overall limit of 2,500 per Claim applied to Claims relating to the European Motoring Assistance level of cover.
19 Service in the UK en route Product Roadside Assistance UK & European Motor Breakdown Cover 19 Limitation Repair at the roadside or recovery to the nearest garage capable of performing repairs or home. Journey Continuation Replacement vehicle to a maximum of 750 Service while abroad Benefit Roadside Assistance Limitation Repair at the roadside or recovery to the nearest garage capable of performing repairs. Spare parts dispatch Additional accommodation expenses 30 per person per day. Journey continuation or return home Maximum of 14 days car hire or second class rail fare. Replacement driver Vehicle break-in, emergency repair 175 Accidental damage to or loss of tent 30 per person per day. Urgent message relay service Vehicle repatriation to United Kingdom Customs claims indemnity Limited to the value of the vehicle being contained within UK Glass s guide or other appropriate industry standard used by RAC. UK & European Motor Breakdown Cover Service after return home Benefit Limitation Collection of vehicle left abroad for repair 600
20 UK & European Motor Breakdown Cover 20 UK & European Motor Breakdown Cover How to claim UK Breakdown cover For telephone contact numbers please refer to the section How to obtain assistance in the UK on page 22. European Motoring Assistance For telephone contact numbers please refer to the section How to obtain assistance abroad on page 25. Duration of Policy/Changes we can make to your RAC Breakdown Cover Unless cancelled earlier by You or Us, the Policy will remain in force from the date Your Co-operative Bank Privilege Premier current account commences until Your Policy is terminated by You or Us. Your cover will end if: You or Your account provider close Your Co-operative Bank Privilege Premier current account. You fail to pay the monthly fee for Your Co-operative Bank Privilege Premier current account, or Your residential address is no longer in the United Kingdom. You are entitled to cancel this Policy up to 14 days following the date Your Co-operative Bank Privilege Premier current account commences or the date You receive Your policy documentation, whichever happens later. Please see the Your Right to Cancel section of the Policy wording for further details. Please also refer to that section regarding how Your Policy can be cancelled by You or Co-operative Bank after the 14 days. We can, at any time and after taking a fair and reasonable view, make changes to Your RAC Breakdown Cover to reflect: changes in Our expectation of the future cost of providing cover, and/or changes in the law, regulation or taxation that affect Us or Your Policy. Changes will be notified to You in writing at least 30 days in advance. Please see the Period of Cover/Changes We can make to Your RAC Breakdown Cover section of the Policy wording for more information. Your right to cancel You are entitled to cancel this Policy up to 14 days following the date Your Co-operative Bank Privilege Premier current account commences or the date You receive Your policy documentation, whichever happens later. Please see the Your Right to Cancel section of the Policy wording for further details. Please also refer to that section regarding how Your Policy can be cancelled by You or The Co-operative Bank after the 14 days. If You or Your account provider close Your Co-operative Bank Privilege Premier current account Your cover will end. Caring for our customers We hope that you will be very happy with the service that we provide. However, if for any reason you are unhappy with it, we would like to hear from you. In the first instance, please write to: Breakdown Customer Care RAC Motoring Services RAC House PO Box 200 Walsall WS5 4QZ. If You are dissatisfied with the service You have received under Your European Motoring Assistance please write to us at: Breakdown Customer Care RAC Motoring Services RAC House PO Box 200 Walsall WS5 4QZ. If You are dissatisfied with any other aspect of the services provided to You please contact: Customer Feedback The Co-operative Bank p.l.c. 4th Floor Miller Street Manchester M60 0AL If we are unable to settle Your complaint with us, You may be able to refer Your complaint to the Financial Ombudsman Service.
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