ULTIMATE REWARD CURRENT ACCOUNT.

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1 ULTIMATE REWARD CURRENT ACCOUNT. Getting started guide For use from 30th July 2015

2 WELCOME TO THE ULTIMATE REWARD CURRENT ACCOUNT. CHANGES TO YOUR BANK ACCOUNT TERMS AND CONDITIONS. We are making some changes to the conditions that apply to our Bank Accounts, including a redesign of the general Bank Account terms and conditions. The changes will take effect from 22nd November 2015, unless we tell you a different date in the Guide to Changes. We re also making some changes to the benefits and terms and conditions of your Ultimate Reward Current Account. Please see page 95 for the Guide to Changes, page 101 for the new Bank Account terms and conditions and page 141 for the updated Ultimate Reward Current Account terms and conditions. Contents Your benefits at a glance 3 Key benefit exclusions 4 Getting started 7 Introducing your benefits 17 Worldwide multi-trip family travel insurance 18 AA Breakdown Cover 22 Mobile phone insurance 25 Home emergency cover 27 Card Cancellation 30 Important information 32 Bank Account terms and conditions 34 Guide to Changes 95 New Bank Account terms and conditions Applies from 22nd November New terms and conditions supplied as part of your Ultimate Reward Current Account Applies from 22nd November Our contact details 172 2

3 YOUR BENEFITS AT A GLANCE. All of this for 15 a month You ll pay a lower monthly account fee of 10 if in the previous calendar month you: Pay in 750 or more Have a minimum of two different direct debit mandates paid from your account Stay in credit throughout the month You also need to keep your account open/not change it to a different type of current account until the fee is due to be debited from your account which will be by the second working day of the following calendar month. Key benefits Travel insurance Car breakdown cover Mobile phone insurance Home emergency cover Card Cancellation Worldwide multi-trip family travel cover Covers winter sports and golf trips Covers UK trips where accommodation is pre-booked for 2 nights or more Includes cover for: Personal belongings up to 1,500 Single article, pair or set of articles up to 300 Valuables up to 500 in total, money up to 500 (cash 300). Provides cover within the UK, Channel Islands and Isle of Man Roadside Assistance Home Start Customer covered, not the vehicle. One phone per account holder, maximum of two for joint accounts Repair or replacement phone up to a maximum original cost or value of 2,000 per claim Covers for loss, theft, accidental damage, breakdown, water damage. Covers a sudden unexpected incident to your home which needs immediate action to; Make it safe or secure and avoid damage or more damage Make it fit to live in Restore electricity, gas or water services if they have totally failed Provides a qualified person chosen by us to deal with the emergency up to 250. Covers all financial cards call us if they re lost or stolen and we ll arrange to cancel them. All insurance benefits are only available to customers permanently residing in the UK, Channel Islands and Isle of Man. (Please note there is no insurance cover with Card Cancellation.) We use a range of third party providers for the benefits offered and as with all insurance some exclusions and excesses apply. Details of the individual benefit providers along with any exclusions and excesses can be found on the relevant benefit page within this guide. 3

4 KEY BENEFIT EXCLUSIONS. The detail included on these pages (4 and 5) are the key exclusions only. Please ensure you read the full benefit sections to understand all the benefits and exclusions of the policies. Key benefit exclusions Travel insurance Car breakdown cover Mobile phone insurance Home emergency cover Cover ceases fully on your 71st birthday (65th for winter sports cover) Cover includes your spouse, civil partner or partner (who you live with) and children under 16 or under 23 and in full time education. Children are not covered for independent travel Pre-existing medical conditions are not covered unless agreed by the insurer The maximum trip duration is 31 days, for Winter sports a maximum 24 days cover in any 12 month period You will pay a maximum excess of 50. Does not include AA Relay, which would recover you to any single UK destination of your choice. Under this cover if it is not possible to fix the vehicle at the roadside, you will be recovered to a local repairer of the AA s choice or a destination of your choice provided it is no further. Excess is 100 for Apple iphones, 30 for all other handsets. This policy is to deal with home emergencies needing immediate attention only and will cover costs up to a maximum of 250. It does not cover broken freezers for example. 4

5 Additional exclusions you need to know Travel insurance Car breakdown cover Mobile phone insurance Home emergency cover Claims relating to any previously diagnosed psychiatric disorders, depression, anxiety, stress or phobias are not covered. Medical conditions of close relatives, travelling companions or people with whom you are planning to stay with on your trip whose health may affect your decision to travel or remain overseas may not be covered. Cover is excluded for certain hazardous activities (see pages 63 and 64). Claims where you cannot provide proof of purchase. You are not covered if you have exceeded five call-outs per 12 month period (seven for a joint account). You may not be covered for same or similar causes of breakdown to that which the AA attended within the previous 28 days. Does not provide recovery for any vehicle following an accident. You are not covered when travelling in a car, van, minibus or motorcycle exceeding the weight restriction of 3.5 tonnes and max width restriction of 7ft 6in (2.3m). 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. Any loss where you did not contact us to arrange repairs in the first instance. Where you are a tenant and are required to report emergencies to the home owner or the managing agent to instruct the appropriate engineer. Any claim if your home is left unoccupied for over 60 days. Actions you must take when you need to make a claim Not taking these actions could result in your claim being declined Mobile phone insurance Home emergency cover If your phone is lost or stolen, you must notify the police and your airtime provider as soon as possible. You must contact us first before instructing any other tradesman. If you are a tenant, you must get agreement from your landlord before contacting us. 5

6 MEDICAL SCREENING FOR TRAVEL INSURANCE. Your Worldwide Travel Insurance doesn t include cover for pre-existing medical conditions. So before you travel please take a good look at our medical screening questions. To make sure your policy fully covers you for any trip it s important that when you make a travel booking you tell us about any pre-existing medical condition affecting the health of the people travelling you, your spouse, partner or children. Travel insurance is provided by First Assist Insurance Services. Medical screening questions If you answer yes to either of these medical screening questions please call us on , as this affects your policy and you may not be covered. In relation to any person to be insured, does anyone have or previously had any medical condition for which: (a) they are currently taking prescribed medication, or, (b) they are waiting to receive, or have received treatment (including surgery, tests or investigation) within the last 6 months prior to the opening of this account, or within 6 months prior to booking any trip, whichever is later. Extending your cover We may be able to extend your cover to include a pre-existing medical condition. Please call or log onto and click medical screening. If we extend the cover we may charge an additional premium. IMPORTANT. Exclusions apply to those people upon whom your decision to travel or return home depend. For example a relative or colleague. For more information please see the Worldwide Multi-Trip Family Travel Insurance section on page 18 of the Getting started guide. 6

7 GETTING STARTED. It s easy as 1, 2, 3. Just follow these simple steps to start getting the most from your account. 1 Call us Phone and we can register your debit cards, credit cards, mobile phone and any pre-existing medical conditions. Or go online to Your worldwide multi-trip family travel insurance doesn t include cover for pre-existing medical conditions. To see if the insurer will cover a condition call the number above or visit and click onto medical screening. An additional premium may apply. See page 18 for more detail. For your mobile phone insurance, let us know the make and model of your phone, your mobile phone number, the IMEI number and your account number and sort code. If you ever need to claim this will make the process quicker and simpler. See page 25 for more details about your policy. If you register your cards with us now for Card Cancellation it will make it quicker and easier should you need to contact us. See page 30 for more details. 2 Switch it Move your regular payments to us including direct debits and standing orders. If you d like us to help, just call our Switching Team on They re available Monday to Friday, 8am-8pm and Saturday 8am-4pm. For more on switching see page 8. 3 Get online Register for online banking it s quick, easy and secure. Make sure you have your account number and sort code to hand and go to For more on online banking see page 13. 7

8 SWITCHING MADE EASY. There s nothing to it. Just pop in branch to let us know you want to switch and we ll switch your account in just seven working days. Name the date you d like to switch anytime from seven working days from now up to 30 days ahead if you re not ready to switch just yet. We ll need your account details, including the 16-digit number from your debit card for the account you want to switch from. We ll transfer your payment arrangements and deal with your old bank so you don t have to. For more details about switching to us, ask in branch or call Lines are open Monday to Friday, 8am-8pm and Saturday 8am-4pm. Overdrafts for customers in Northern Ireland If you are a customer in Northern Ireland, when switching your current account to us, you won t pay any daily planned overdraft fees for the first three months after opening the account. This is to comply with the regulatory requirements in Northern Ireland. To qualify, your address must be in Northern Ireland and you must either switch to us using a Northern Ireland branch or switch online or over the phone. If you use an unplanned overdraft, unplanned daily overdraft fees will apply. Overdrafts are subject to status and repayable on demand. Fees for other services, such as for using your card abroad or for special services, will still apply. Don t worry we will refund any fees or charges you incur as a result of any error we make during your switch. We ll tell you when your overdraft without daily planned overdraft fees will start and end. After this period our daily planned overdraft fees will apply. We ve kept these simple so you know exactly how much an overdraft will cost you. Also remember, if in a calendar month you do not pay in 750 or more or do not pay out a minimum of two different direct debit mandates or you do not stay in credit or if you close your account or change it to a different type of current account before the monthly account fee is due to be taken from your account, you will pay the full monthly account fee of 15 rather than the lower monthly account fee of 10 the following calendar month. For more information on our daily fees see page 9. 8

9 EASY-TO-UNDERSTAND OVERDRAFTS. Overdrafts are handy things especially when unexpected expenses crop up or if everyday costs leave you a little short just before payday. Our overdrafts are easy to understand and manage. We charge a daily fee when you use it so you can see exactly what you re paying. And if you re overdrawn in the morning, but pay money in to bring your account back into credit by the end of the same day, you won t pay the daily fee for that day. NOT SURE OF OUR OVERDRAFT TERMS? Check out our overdraft glossary on the next page. Here s how it all works If you... Use a planned overdraft up to and including 300 Use a planned overdraft from up to and including 1, Use a planned overdraft between 2,000 and 2, Use a planned overdraft of 3,000 and over Use an unplanned overdraft Your daily fee will be n/a 1 a day 2 a day 3 a day 5 a day REPRESENTATIVE EXAMPLE. If you use a planned overdraft of 1,200 then we ll charge you a daily fee of 1. For Ultimate Reward Current Accounts, you will pay the higher Monthly Account Fee of 15 rather than 10 if you use your overdraft. This means there will be an indirect additional cost of 5 if you use a planned overdraft on this account. Remember, if you do not remain in credit during the month you will pay the full monthly account fee of 15 rather than the lower fee of 10. Whether you can have an overdraft, and the amount available, will depend upon your personal circumstances at the time you apply. Any overdraft we agree is offered subject to status and repayable on demand. You need to be aware you may not get the full 300 overdraft. See page 53 for more about our overdrafts. 9

10 OVERDRAFT GLOSSARY. Overdraft An overdraft is a type of borrowing facility. It lets you borrow money through your current account in the short term. Think of it as a temporary back-up to tide you over until pay day. As long as you re careful, using your overdraft facility can be a perfectly reasonable way to manage your money. Planned overdraft An overdraft you have agreed in advance with us. We agree to an amount you can borrow and this is your overdraft limit. Unplanned overdraft If you go overdrawn and haven t taken out a planned overdraft or you go over your planned overdraft limit, this is an unplanned overdraft. The cost of using an unplanned overdraft is higher than the cost of using a planned overdraft. To avoid using an unplanned overdraft, it s worth having a suitable planned overdraft ready. Buffer An amount of planned or unplanned overdraft that you don t pay any daily overdraft fees or interest on for using it. If your account is overdrawn by less than the buffer amount, you won t pay any daily overdraft fees or interest. Returned item fee A fee we charge where you don t have enough available money to make a payment and we don t agree to give you or extend an unplanned overdraft. In this case we won t make the payment. Applies to Easycash, Cardcash and Student Current Account only. We will not charge Returned item fees if you are aged under 18. Unplanned overdraft monthly fee A fee we charge for every month in which you have an unplanned overdraft at any time. Applies to Student Current Account only. Planned overdraft daily fee A daily fee we charge for your use of a planned overdraft. You will only be charged the daily planned overdraft fee for the days you use your overdraft. Applies to Ultimate Reward Current Account, Reward Current Account and Current Account only. Unplanned overdraft daily fee A daily fee we charge for your use of an unplanned overdraft. You will only be charged the daily unplanned overdraft fee for the days you use your overdraft. Applies to Ultimate Reward Current Account, Reward Current Account and Current Account only. Planned debit interest Interest we charge on the amount you are overdrawn on your planned overdraft. Applies to Student Current Account only. Unplanned debit interest Interest we charge on the amount you are above your planned overdraft limit. Applies to Cardcash and Student Current Account only. There is no debit interest to pay if you are under

11 YOUR HALIFAX VISA DEBIT CARD. A quick, safe way to pay Your account comes with a Visa debit card that you can use to: Pay for just about anything here and abroad. Just look out for the Visa sign Take out up to 500 cash (or equivalent currency) per account holder from cash machines around the world. To make sure you can use your card abroad, register it with us before you travel by calling Buy things over the phone and online. Your card is covered by Halifax Secure for Internet purchases visit to find out more. You can even get cashback from some shops and supermarkets when you use your Visa debit card. But don t forget to keep your PIN safe at all times by shielding it when using cash machines and buying goods and services in shops. Important point to note If you use your debit card to withdraw cash or pay for goods and services in a currency other than sterling, the exchange rate we use will be the Visa Payment Scheme Exchange Rate. We will charge a non-sterling transaction fee of 2.75% of the amount of the transaction and a 1.50 non-sterling purchase or non-sterling cash fee for each payment or withdrawal. Alternatively, if you choose to complete your cash withdrawal using the overseas Bureau or cash machine provider s conversion rate to sterling, we will only charge a foreign cash fee of The provider of the foreign currency may make a separate charge for conversion. Cash machines As well as getting cash in a dash, you can use Halifax and Bank of Scotland cash machines to: Pay in cheques Top up pay-as-you-go mobiles Change your PIN Pay your bills. And when you take out cash, it s free from most machines with a LINK logo, but you might have to pay with other cash machines, including overseas ones. 11

12 PAYING MONEY IN AND TAKING IT OUT. Paying money in You can pay in cash or cheques at any of our branches over the counter or at an Immediate Deposit Machine (IDM) if they have one. You can even pay foreign currency and cheques into your account. Just ask in branch and we ll talk you through it including any fees. Taking money out As long as you have enough money in your account, you can take out up to 500 a day from a cash machine and 2,500 over the counter in any branch. If you need more than that, please let us know beforehand. Type of payment Cash Cheques Where paid in In branch or using an Immediate Deposit Machine before 5pm, or using an Express Pay-In before 4pm In branch or using an Immediate Deposit Machine after 5pm, or using an Express Pay-In after 4pm In branch or using an Immediate Deposit Machine or Express Pay-In on a non-working day Via a cash machine In branch or using an Immediate Deposit Machine before 5pm*, or using an Express Pay-In before 4pm In branch or using an Immediate Deposit Machine after 5pm*, or using an Express Pay-In after 4pm or on a non-working day Via a cash machine When you can withdraw funds Same day Next working day Same day Next working day 4 working days after the day of deposit 5 working days after the day of deposit 5 working days after the day of deposit * 2pm if using an Immediate Deposit Machine in Northern Ireland. If the cheque is returned to us without being paid we may take the amount of the cheque out of your account, unless more than 6 working days have passed since the day you paid the cheque in. After 6 working days have passed, we cannot take the amount of the cheque out of your account unless you have been a knowing party to fraud. Faster payments It s possible to make faster payments electronically, and these normally just take two hours instead of several days. It s a free service but you ll just need to check that the bank or building society you re paying money into accepts this type of payment. 12

13 MANAGING YOUR ACCOUNT. It s simple to look after your account online, in branch or by phone. 24/7 online banking With online banking you can have round-theclock access to your accounts. All you have to do is register at Then you can: Check your balance and see statements on all Halifax accounts. Move money between accounts. Pay bills, view and delete direct debits and set up new standing orders. Safe and secure You re covered by our online fraud guarantee, which means we ll pay back any money you lose in the unlikely event that you re a victim of fraud. Check out 24/7 telephone banking Call us anytime, night or day to use our easy automated telephone banking service. Once you ve set up your security details by calling , you can: Check your account balance Listen to details of recent transactions Pay bills and transfer money Transfer money to other accounts Set up or change standing orders and cancel direct debits Ask for a new PIN and get information on other Halifax products and services. And if you d prefer to speak to a real person, our advisers are always on hand to help. If you need to call us from abroad or by mobile, you can also call us on Not all Telephone Banking services are available 24 hours a day, 7 days a week. Please speak to an adviser for more information. STANDING ORDERS, DIRECT DEBITS AND FUTURE DATED PAYMENTS. If you don t have enough money in your account at the beginning of the day a payment is due, you have until 3.30pm to pay money into your account to make the payment that day. The money needs to be available to use straight away, so you could transfer money from another personal account you have with us via Internet, Mobile or Telephone Banking or pay in cash over the counter in branch. Future dated payment You can set up a payment up to 31 days in advance if you want to make a one off payment to go to a specific account in the UK. It s a smart way to set up a payment in advance so you don t forget. 13

14 Mobile banking Always on the go? You can even do your banking on the move with Halifax Mobile Banking. Just use our free app to sign in to Online Banking and you can: View your balance See your transaction history Transfer money between your personal Halifax accounts Make payments to new and existing recipients Find your nearest Halifax branch or LINK ATMs in the UK Access useful Halifax phone numbers. Or you can access Halifax Mobile Banking through your mobile browser we ve optimised Online Banking so it looks great on internet-enabled mobiles. Pay a Contact is a new way of sending and receiving money. It works by using a mobile number instead of a sort code and account number. Visit for further details. Terms and conditions apply. IT S EASY TO REGISTER. Go online at Mobile alerts Keep in touch with your money when you re on the move with our Mobile Alerting service. Once it s set up we ll send you texts: When you re within 50 of your planned overdraft limit To let you know if you go into an unplanned overdraft (one you haven t agreed with us in advance) To remind you each day you stay in an unplanned overdraft. You can also set high and low balance alerts to keep track of what s in your account. We can even send you alerts to let you know when your card is being used abroad, to help you spot transactions that may be fraudulent. And so you re always on top of your account, we can send you a weekly update text with your balance and last six transactions. We won t charge you for this service, but if you receive texts while abroad, your network service provider may charge you. Your mobile operator may charge for some services, please check with them. Services may be affected by phone signal and functionality. You must be registered for Online Banking. Terms and conditions apply. Call us on Pop into any of our branches 14

15 INTERNATIONAL PAYMENTS. COMMISSION-FREE TRAVEL MONEY. We can help you send money anywhere in the world quickly and safely. Give us the payment details and we ll put the money where it s meant to be, and we can also save the details for next time. To find out more, including our fees, just call us, visit your local branch or sign in to your online banking. If you re not registered for online banking, you can register at Commission-free travel money Log into online banking at If you re going away on holiday, you re with the right bank, because: We won t charge any commission on foreign currency There s no commission on American Express traveller s cheques We ll change any foreign-currency notes and traveller s cheques back to sterling free of charge We ll deliver your travel money direct to your home or local branch if you prefer. For more details on our travel money service including our home delivery fees and delivery timescales please visit American Express is a registered trademark of American Express Company. How to order Visit Call (lines open Monday to Friday 8am 10pm, Saturday and Sunday 10am 8pm) Pop into your local branch TOP TIP. It s a good idea to take a range of different ways to pay, including cash and debit and credit cards. To stay safe, make sure you carry everything separately. 15

16 IDENTITY THEFT ASSISTANCE. Call us for help and advice 24/7 if you think someone s stolen your personal details. Identity fraud is one of the fastest growing types of frauds in the UK. And the truth is, if someone steals your personal details for their own benefit, the results can be devastating. Once a thief has your information, it s possible for them to: Open new credit card or bank accounts, and run up debts in your name Take out credit or loans in your name Change the billing address for your accounts so you don t know there s a problem. Free help and advice As an Ultimate Reward Current Account holder, you automatically get unlimited access to a confidential identity theft advice line. So if you suspect that your personal details have been stolen, call our team. They can provide help and advice 24 hours a day, talk you through what you need to do and get you back on track as quickly as possible. How to contact us For free identity theft advice call the Customer Services Team on: , 24 hours a day, 7 days a week. TOP TIP. Save our emergency contact number, , in your mobile phone in case you need identity theft assistance. 16

17 INTRODUCING YOUR BENEFITS. At home. Abroad. On the road. On your mobile. Your Ultimate Reward Current Account has all this covered and more. Here s all you need to know about your individual benefits and how they can protect you and your family. Your benefits page Worldwide multi-trip family travel insurance 18 AA Breakdown Cover 22 Mobile phone insurance 25 Home emergency cover 27 Card Cancellation 30 How to make a claim Your account benefits are there to help and protect you both at home and abroad. If you need to make a claim, you ll find details about how to do this on the individual benefits pages that follow. 17

18 WORLDWIDE MULTI-TRIP FAMILY TRAVEL INSURANCE. Our travel insurance covers you, your spouse or partner (who you live with), and children under 16 or under 23 if they re in full time education. And with personal belongings, winter sports and even golf trips included as standard, you can relax knowing our cover ticks all your boxes, subject to eligibility. To ensure you re fully covered it s important you tell us at the time of booking about any pre-existing medical condition affecting the health of the people travelling. To see if your cover can be extended for a pre-existing medical condition please call or log onto and click medical screening. This summary outlines cover available under our travel insurance, which is administered by FirstAssist Insurance Services and underwritten by Great Lakes Reinsurance (UK) PLC. For full details of exclusions and conditions please see the full Terms and Conditions on page 60. Key benefit Worldwide multi-trip family travel cover Covers winter sports and golf trips Covers UK trips where accommodation is pre-booked for 2 nights or more Includes cover for; Personal belongings up to 1,500 Single article, pair or set of articles up to 300 Valuables up to 500 in total, Money up to 500 (cash 300) Key benefit exclusions Cover ceases fully on your 71st birthday (65th for winter sports cover) Cover includes your spouse, civil partner or partner (who you live with) and children under 16 or under 23 and in full time education. Children are not covered for independent travel Pre-existing medical conditions are not covered unless agreed by the insurer The maximum trip duration is 31 days, for winter sports a maximum 24 days cover in any 12 month period You will pay a maximum excess of 50 Additional exclusions you need to know about Claims relating to any previously diagnosed psychiatric disorders, depression, anxiety, stress or phobias are not covered Medical conditions of close relatives, travelling companions or people with whom you are planning to stay with on your trip whose health may affect your decision to travel or remain overseas may not be covered Cover is excluded for certain hazardous activities (see pages 63 and 64) Claims where you cannot provide proof of purchase 18

19 Section Cover description Limit of cover Excess per successful claim* Cancellation/ cutting short your trip Cancellation of pre-booked travel and accommodation expenses Value of the portion of the travel arrangements that have not been used because you return home earlier than planned. 5,000 5, Winter sports For snowboarding, skiing and snow or ice activities (see policy wording for details of cover and exclusions): Ski equipment, ski hire, ski pack, piste closure Up to a total of 24 days during any 12-month period Golf cover Golf equipment Green fees. See policy wording for full benefit details 50 Personal belongings Cover for accidental loss, theft or damage to personal baggage Loss or theft of your personal money (adults) Loss or theft of your personal money (children under 16). 1, Medical emergency and repatriation In the event of an accident or illness during the trip Dental treatment for the relief of pain. 10,000, Legal advice and expenses Legal expenses for compensation or damages for your personal injury or death caused by negligence of a third party. 25, Personal accident Death by accident Permanent loss of one or more limbs or total and permanent loss of sight in one or both eyes Permanent total disablement. 10,000 25,000 25,000 Nil Nil Nil Personal liability Defence costs in relation to an incident you cause. 2,000, * Where you and your family make a claim under more than one section of cover for the same incident, the maximum excess you will pay is 50 in total. TOP TIP. Before you book any trip check our medical screening section on page 6. Take this Getting started guide with you when you travel it contains all the information you need. 19

20 Key exclusions applying to the policy Maximum trip duration is 31 days for each trip (if you are going away for longer please call us as we may be able to extend your cover for an additional premium). This policy ceases when the account holder reaches the age of 71 (65 for winter sports). Where a joint account holder is aged 71 or over and the other account holder still qualifies for cover, this policy will remain in force for that account holder until they reach 71 subject to the terms and conditions of the policy. Travel insurance is not valid for trips in the UK except when you have pre-booked accommodation for 2 nights or more. Any pre-existing medical condition that has not been accepted by our Customer Services Team before you start your trip. Please see the Words with special meanings section of the policy wording for Pre-existing medical conditions. If, at the time you open your Ultimate Reward Current Account or book a trip, whichever is later, your relative, colleague, travel companion or someone who you have arranged to stay, had a medical condition for which he or she: was receiving treatment at hospital (other than where they go to hospital for check-ups for a stable condition, at regular intervals which have been arranged beforehand) was waiting for a hospital consultation, investigations or treatment (other than where they go to hospital for check-ups for a stable condition, at regular intervals which have been arranged beforehand) had been given a terminal prognosis, or been told that their condition is likely to get worse in the next 12 months. We will not pay for any claim you (or any insured person) make that has anything to do with that medical condition. Children and infants aren t covered for independent travel under this policy. Any insured person aged under 16 or over 64 will not receive the full Personal Accident benefit. Please see the Personal Accident section of the policy booklet. Loss or theft of personal baggage not reported to the Police within 24 hours of discovery or as soon as possible after that and a report obtained. Loss or theft of baggage left out of sight and out of personal control in public places where you are not in a position to prevent unauthorised interference such as at a station, airport, restaurant or beach. Loss or theft of valuables unless they are attended by you or left in hotel security, safety deposit box, safe or similar locked fixed receptacle or whilst in the custody of an airline or other carrier. Any in-patient, hospital, clinic or repatriation expenses in excess of 500 which have not been reported to and authorised by the Medical Assistance Helpline in advance. Cover is excluded for certain Hazardous Activities. This means any pursuit or activity where it is recognised that there is an increased risk of injury or accident. A list of the activities not covered by the policy can be found under the Hazardous Activities section. Claims relating to any previously diagnosed psychiatric disorders, depression, anxiety, stress or phobias are not covered. Travelling against FCO advice. Travelling against or for the purpose of receiving medical treatment. Trips that do not start and end at your home or business address in the UK. 20

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