Travel Accident Policy Document Statement of demands and needs

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1 Travel Accident Policy Document Statement of demands and needs This product meets the demands and needs of those who are aged over 18 but under 65 and fulfil the eligibility criteria and who wish to benefit from insurance against accidental bodily injury whilst on a trip anywhere in the world, at no extra cost.

2 Introduction This Policy Document ( policy ) sets out the details of your insurance cover. This has been arranged by The Co-operative Bank plc ( bank ). Please read this policy carefully and keep it in a safe place. All the words that appear in bold shall have the meaning given to them in Section 9, Definitions. This policy protects you in the event of an accidental bodily injury. The underwriter for this policy is Financial Insurance Company Limited. You are required to meet the eligibility requirements in Section 1. Cover is for one month at a time and is automatically renewed every month until the end date. For the purpose of this policy we, us and our refer to Financial Insurance Company Limited. The policy is set out as follows: Section 1 Section 2 Section 3 Section 4 Section 5 Section 6 Section 7 Section 8 Section 9 Eligibility (the conditions you must satisfy to take out cover) Applicable Areas (what areas are covered) Benefits (what we will pay) Exclusions (when we will not pay) How to Claim How Does Cover End? (termination) Cancellation Rights Customer Care (complaints procedure and other legal requirements you should know about) Definitions (certain words in the policy which have special meanings)

3 Section 1 Eligibility 1. You are covered under this policy if on the start date: you are aged over 18 but under You must not be aware of: any sickness, disease, condition or injury that may cause you to claim for accidental bodily injury. 3. If two or more persons are named on the credit agreement only the first named person will be covered. 4. If you do not meet the eligibility requirements outlined above at the start date you will not be able to make a claim under this policy. However, if you have a partner who fulfils the eligibility requirements at the start date then your partner may claim for accidental bodily injury benefits. You will be ineligible to claim. Section 2 Applicable Areas You have worldwide cover, this means that you are covered for any trip anywhere in the world. Section 3 Benefits A. Travel Accident Benefits If you suffer an accidental bodily injury during a trip and the injury results in you or your spouse s and any dependent children s (travelling with you) death or disability (as listed below) within 12 months, we will pay you (or your legal representative(s) in the event of death) the benefits set out in the table below. If only part of the fare for the trip has been paid using The Co-operative Bank Credit Card the benefits payable will be apportioned accordingly. For example, if you have paid half the fare by using your Co-operative Bank Credit Card and half by some other means of payment and you wish to make a claim, then we will pay you 50% of the benefits set out in the table below. Table of Benefits Event Platinum Members/Clear Card/Think Business Card Cardholder/ Spouse Dependent Children Cardholder/ Spouse Dependent Children Cardholder/ Spouse Dependent Children Death 100,000 5,000 25,000 1,000 75,000 5,000 Loss of two limbs or sight in both eyes or 100, ,000 20,000 20,000 75,000 75,000 loss of one limb and sight in one eye Loss of one limb or loss of sight in one eye 100,000 50,000 10,000 10,000 75,000 50,000 Permanent total disablement 100, ,000 10,000 10,000 75,000 75,000 You will also be covered for accidental bodily injury caused by exposure to the elements. B. Payment of Benefits We will pay benefits into the account that you have with the bank. Travel accident benefits are paid as a single payment.

4 Section 4 Exclusions A. Travel Accident Exclusions We will not pay you any benefits resulting from: more than one event set out in the Table of Benefits caused by one accident Permanent total disability until one year after the date of disablement claims caused directly or indirectly by any sickness, disease, condition or disorder an injury which occurs when you are travelling in an aircraft unless as a passenger in an aircraft fully-licensed for carrying passengers your suicide, attempted suicide, intentional self-injury or deliberate exposure to danger (unless in an attempt to save another person s life) alcohol or drugs not taken under the advice or supervision of a doctor psychiatric illness or mental disorders including stress or stress-related conditions diagnosed before this insurance was issued to you any criminal act or road traffic offence committed by you injury arising whilst travelling as a passenger or driver of any self-driven hire vehicle or motor cycle. B. General Exclusions No benefit will be paid for any claim resulting from: war, invasion, act of foreign enemy, hostilities (whether war declared or not), civil war, civil commotion, rebellion, terrorism, revolution or military or usurped power, including immediate and long-term damage caused by weapons of mass destruction ionising radiation or radioactive contamination from nuclear fuel or nuclear waste or any risk from nuclear equipment. Section 5 How to Claim You (or your personal representative(s)), should contact us at Building 11, Chiswick Park, Chiswick High Road, London W4 5XR or telephone us on to request a claim form. Please complete the claim form fully and accurately and return it to us at Building 11, Chiswick Park, Chiswick High Road, London W4 5XR. The fully completed claim form and any supporting evidence should be sent to us within 180 days of the date you died or the date your accidental bodily injury began. If you do not submit the fully completed claim form and supporting evidence within this time we will not pay your claim. We will process your claim and if we need more information from you or someone else, we will write and explain this to you. You (or your personal representative(s)) must give us any proof we ask for otherwise we cannot pay any benefit. This is at your own expense (if any). We may also ask you (or your personal representative(s)) for additional information during your claim, for example: Accidental bodily injury resulting in your death an original or certified death certificate (in English) or an office copy Grant of Probate. We may also require (and pay for) a post mortem examination if you die being examined by a doctor (at our expense). We will then write and tell you if we have accepted or rejected your claim. There will be no payment under this policy where a false or fraudulent claim has been made. We support the Association of British Insurers Claims Code. You can be provided with a copy of this document upon request.

5 Data Protection The information that you give us about yourself, including sensitive information, will be used by us, our associated companies and our agents to process this insurance and handle claims. This may involve transferring the information to other countries (including those which have limited or no data protection laws). We have taken steps to make sure that your information is held securely. We may be asked to give your information to the insurance regulator and public organisations (including the police) to help prevent fraud. Section 6 How Does Cover End? All cover under this policy will end and all monthly benefits will stop automatically: if you die when your credit agreement ends when your cover is cancelled when accidental bodily injury benefit is paid, or when your card is cancelled, withdrawn or expires and is not renewed by the bank. Section 7 Cancellation Rights This policy is optional and you have a statutory right to cancel your policy within 30 days of the start date (the cooling off period ). If you decide that you do not want your policy within the cooling off period, please write to us at Financial Insurance Company Limited, Building 11, Chiswick Park, Chiswick High Road, London W4 5XR and we will cancel your policy immediately upon receiving your notice. If you do not cancel your policy within 30 days from the start date, your policy will remain in force and may then only be cancelled by you by giving us 30 days notice in writing to the above address. We may cancel your policy by giving you no less than 90 days written notice to your last known address. We may also cancel your policy immediately for one of the following reasons: where there is evidence of your dishonest or exaggerated behaviour (or of dishonest or exaggerated behaviour by someone acting on your behalf) in relation to the cover provided under this policy where you have failed to make disclosure of any material fact or information which, if disclosed at the time of your application for this policy, would have caused your application to have been declined by us where you have misrepresented a material fact which, if correctly represented at the time of your application to us, would have caused us to decline your application cover where necessary to comply with any applicable laws or regulations in circumstances set out under section 8, item 2 Changes to your policy terms and conditions. Section 8 Customer Care The following points are information we are required to tell you: 1. Important notes about your policy You can choose which law will apply to the policy. English law and the English language will apply to your policy unless we make a written agreement with you saying otherwise. We are covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the scheme if we cannot meet our financial responsibilities. This depends on the type of business and the circumstances of the claim. Insurance advising and arranging is covered for 90% of the whole claim, without any upper limits. You can get more information about compensation scheme arrangements from the FSCS at or by phoning If we pay a benefit, you must allow us to enforce our rights against any other parties which we are or may be entitled to. You cannot transfer your rights or interest in this policy to any other person. This policy will not have any value at the end date or if it is cancelled.

6 No condition of this agreement will be enforceable under the Contract (Rights of Third Parties) Act If you make a claim for benefit that is in any way fraudulent, your cover under this policy may be treated as invalid from the start date. We will not refund any premium you have paid; we may take legal action against you. 2. Changes to your policy terms and conditions We may change the terms and conditions in this policy for good reason and in a proportionate manner to that reason, in response to one or more of the exhaustive list of reasons stated below: to make the policy clearer and fairer to you to rectify any errors in existing terms (typographical or formatting errors such as wording numbering) that we may discover in due course to reflect any changes to any law, regulation, Code of Practice, Industry Guidance or decision of a regulatory or governing body which effects this policy to reflect any changes made to the taxation regime applicable to this policy (including, but not limited to, insurance premium tax) to reflect any increase or decrease in the administration costs associated with providing the insurance to you. You will be given at least 30 days written notice of any change, such notice to be issued to your last known address. If the change is due to legislative, tax or regulatory requirements, 30 days written notice may not be possible, however we will give you as much notice as we are able to in the circumstances. Such changes may have the effect of increasing or reducing the cover previously provided under this policy. If you are not happy with the change, you may cancel your policy with effect from the date the changes are proposed to be introduced by writing to us, prior to the change taking effect, at : Financial Insurance Company Limited, Building 11, Chiswick Park, Chiswick High Road, London W4 5XR stating your name, address and account details. 3. Complaints Procedure Customer service is very important to us and our aim is to give a first-class service at all times. If you have an enquiry or complaint about your policy or claim, please contact: Consumer Affairs Department Building 11, Chiswick Park, Chiswick High Road, London W4 5XR Telephone: If you are still not happy or the problem has not been sorted out to your satisfaction, you may refer it to: The Financial Ombudsman Service South Quay Plaza, 183 Marsh Wall, London E14 9SR. Telephone: If you complain, it will not affect your legal rights. Section 9 Definitions Wherever the following words appear in bold in the policy they will have the following meanings: Accident (Accidental) A sudden, unexpected, unintentional violent, external event which happens after the start date and results in bodily injury. Bank The Co-operative Bank p.l.c. Bodily Injury Bodily injury resulting from external, violent and visible means but excludes sickness or disease or any naturally occurring condition or degenerative process. Card The card issued to you by the bank under the credit agreement and used by you. Claim date for life claims, the date of your death for accidental bodily injury claims, the date that the accident occurs.

7 Credit agreement The running account credit agreement between you and the bank which is covered by this policy. Dependent Children Your dependent children (son, daughter, step children or adopted children), who at the date of sustaining injury are: (i) under 18 years of age, or (ii) under 21 years of age and in full time education. Doctor A registered medical practitioner, practising in the UK. End date The date your cover ends as set out in Section 6. Loss of limb Total, permanent and irrecoverable loss of use or loss by physical separation at or above the wrist or ankle. Loss of sight Total, permanent and irrecoverable loss of sight. Partner A person who is either your husband, wife or civil partner who has lived permanently with you for 24 months or more before the start date, named on the credit agreement. Start date The later of the following: the date of your credit agreement the date we or the bank on our behalf accept your application for cover, or the date on which you receive your policy document. Trip The entering, travelling in or alighting from any aircraft, boat, ship, railway train or road vehicle (as a fare paying passenger) when all or part of the fare has been paid by your Co-operative Bank Credit Card. UK The United Kingdom, Channel Islands and Isle of Man. We, Us, Our The Financial Insurance Company Limited. You (your) The person who is covered by the policy. Permanent total disability A permanent injury resulting from an accident which medical evidence confirms: is total, permanent and irreversible will last for the rest of your life, and will stop you from working or doing any paid work which your experience or training reasonably qualifies you to do. Policy This policy document.

8 Please call if you would like to receive this information in an alternative format such as large print, audio or Braille. The Co-operative Bank is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (No ) and holds an Interim Permission in respect of consumer credit activities and subscribes to the Lending Code and the Financial Ombudsman Service. The Co-operative Bank p.l.c., P.O. Box 101, 1 Balloon Street, Manchester M60 4EP. Registered in England and Wales No Calls may be monitored or recorded for security and training purposes. Calls to 0800 numbers are free from UK landlines. Calls from mobiles may vary and you may want to check this with your service provider. MKT10737_WEB 07/2014

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