RED570 Credit Card Insert CSI146

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RED570 Credit Card Insert CSI146

  1. 1. Useful numbers Tesco Loans Customer Helpline 0845 600 60 16 Lines open 8am-9pm Monday to Friday, 9am-5pm Saturday and Sunday Loans Call to make the most Your Payment of your money: Credit Cards Car Insurance 0800 46 60 50 0845 300 44 00 Lines open 8am-10pm 7 days a week Lines open 8am-9pm Monday to Friday, Protection www.tesco.com 9am-5pm Saturday and 10am-5pm Sunday Your Policy Summary and Policy Document Maximum call charge from a BT landline is 6p plus up to 4p per minute. Calls from other networks may vary. Tesco Credit Cards are available to UK residents and over 18s only. Tesco Car Insurance and Accident, Sickness and Unemployment cover on L0100708 Payment Protection Insurance is underwritten by UK Insurance Limited (UKI). Life cover on Payment Protection Insurance is underwritten by Direct Line Life Insurance Company Limited (DLL). Tesco Personal Finance Limited (TPF) can only provide information about UKI Payment Protection Insurance. Car Insurance in NI for over 21s only. UKI, DLL and TPF are authorised and regulated by the Financial Services Authority (FSA). The Royal Bank of Scotland plc is a parent undertaking of UKI and also owns 50% of the capital in TPF. FSA details can be checked on the FSA Register by visiting www.fsa.gov.uk/register or by calling 0845 606 1234. TPF is a joint venture between The Royal Bank of Scotland plc and Tesco PLC. Tesco Personal Finance Limited. Registered no. 173199. Registered office: 24 St. Andrew Square, Edinburgh EH2 1AF.
  2. 2. Significant Exclusions & Limitations Your Policy Summary Type of cover Significant Exclusions & Limitations Please read this document carefully. Please refer to your policy wording for full terms and conditions. The policy summary does Unemployment • Knowledge of impending unemployment not form part of the contract between you and your insurer. • Unemployment occurring during the initial exclusion period of 30 days Please read your policy carefully to ensure it meets your needs. • Voluntary resignation/redundancy • You must register with the Department for Work and Pensions to be able to claim Who is the Insurer? • Be working in the UK, including self- • Self-employed and not ceased trading Accident, Sickness, Unemployment and employment, for at least 16 hours per Major Illness cover is underwritten by UK week, or where applicable, you are on Insurance Limited. Life cover is provided by statutory maternity or paternity leave. Accident & Sickness • Wilful acts including cosmetic and beauty Direct Line Life Insurance Company Limited. Important Note on Normal Pregnancy/ treatments Childbirth Related Conditions: This policy • Alcohol and drugs related What Are the Features of the Tesco does not include cover for Normal Pregnancy/ Personal Finance Loan Payment Childbirth Related Conditions. Therefore, Major Illness • Alcohol and drugs related Protection Policy? when a claim is made by you, for a medical condition which typically occurs during This Tesco Personal Finance Loan Payment pregnancy or childbirth, we may refer you Protection policy can cover your monthly to a doctor or consultant who specialises in Tesco Personal Finance Loan repayments if obstetrics for an opinion as to whether the you are unable to work for more than 14 condition is a Normal Pregnancy/Childbirth Your Right to Cancel How Do You Make a Complaint? days in a row as a result of unemployment, Related Condition. We will consider this accident or sickness. If this cover does not meet your Should there ever be an occasion where you opinion to be final. requirements, please return all your need to complain, please call the insurer on In the event of a major illness that prevents documents within 30 days of receipt. 0845 309 8765. you from returning to work until the original What Are the Significant The insurer will return any premium paid If you wish to write, then address your repayment date of your loan, a benefit Exclusions and Limitations? in full provided no claims have been made letter as follows, Customer Liaison Unit, payment of the outstanding loan balance The cover is subject to exclusions, all of on the policy during that time. UK Insurance Limited, The Wharf, Neville will be paid. which are fully explained in Section 5A Street, Leeds LS1 4AZ. In the event of your death during the period and 5B – “What Are You Not Covered For?” How Do You Make a Claim? If the Insurer is unable to resolve the of cover, a benefit payment of the in the policy wording. However, listed To notify the insurer in the first instance, differences or does not resolve the complaint outstanding loan balance, as at the date of opposite are the significant exclusions please telephone the helpline on to your satisfaction, you may refer it to the death, will be paid. and limitations for your information. 0845 309 8765. Financial Ombudsman Service (FOS). Their address is: South Quay Plaza, 183 Are You Eligible? What is the Duration of the Policy? Marsh Wall, London E14 9SR. Telephone On the commencement date you must: Your cover will run in conjunction with your 0845 080 1800. • Be aged between 18-64; Tesco Personal Finance Loan. As this policy • Be named on the loan agreement. Only could run for several years, you may want to the first named applicant can be insured review your insurance needs periodically to on this agreement; and ensure the policy is adequate. 2 3
  3. 3. Details About Our Regulator Payment Protection Contents UK Insurance Limited and Direct Line Life Insurance Company Limited are authorised Policy and regulated by the Financial Services Important – Please read this document The Policy is set out as follows Page number Authority. The Financial Services Authority carefully and keep it in a safe place. Make website which includes a register of all sure that You are eligible for the insurance regulated firms can be visited at cover. You should make sure You know what www.fsa.gov.uk/register, or the Financial this insurance does and does not cover. Section 1 – Are You Eligible? 6 Services Authority can be contacted on If You are not completely satisfied, return 0845 606 1234. this document and a covering letter stating Under the Financial Services and Markets Your name, address and loan account details Section 2 – Meanings Of Words and Phrases 6 Act 2000, should the company be unable within 30 days following initial receipt to to meet all its liabilities to policyholders, Your Lender. The Lender will cancel the compensation may be available. Insurance cover from the Commencement Date and advising and arranging is covered for refund the premium paid, provided no claim Section 3 – What Are You Covered For? 8 100% of the first £2,000 and 90% of the has been made. (Applicable to Standard and Total customers) remainder of the claim, without any upper This certificate shows, that provided You are limit. For compulsory classes of insurance, eligible and have paid or agreed to pay the insurance advising and arranging is covered premium You are covered under an insurance for 100% of the claim, without any upper scheme for loan protection issued by Your Section 4 – What Other Benefits Are Available? 9 limit. Information can be obtained on request, Insurers to the Lender. (Applicable to Total customers only) or by visiting the Financial Services Compensation Scheme website at The information given to the Insurer orally, www.fscs.org.uk. in writing or otherwise and in the application forms the basis of the contract between You Section 5 – What Are You Not Covered For? 9 and the Insurer. You must tell the Insurer of Statement of Needs any change to this information as soon as We have not provided you with a personal possible, as failure to do so could affect the recommendation as to whether this policy is cover provided. Section 6 – How Do You Make A Claim? 10 suitable for your specific needs. Tesco Personal Finance Limited have arranged two levels of cover; Standard Cover and Total Cover to suit individual needs. Standard Cover Section 7 – How Can You Change Your Claim? 11 and Total Cover customers may be eligible to claim under Accident, Sickness, Major Illness and Life cover detailed in Section 3 of the policy. In addition, Total cover customers will Section 8 – Important Information 11 also be eligible to claim for the benefits outlined in Section 4 of the policy. Section 9 – Unemployment Advice Service 13 (Applicable to Total Customers only) – this service is provided as an additional benefit of the product and does not form part of your policy. 4 5
  4. 4. Services Department as a Carer (having in a speciality relevant to Your condition. Section 1 – AreYou a heart, liver, lung, pancreas, kidney or bone marrow) which leaves You unable to carry undertaken a Community Care Assessment Temporary Work – Work that is not Eligible? or Carers’ Assessment that concludes an out the duties of Your Normal Occupation permanent and is not governed by a contract immediate family member requires care for until the original repayment date of the loan. of employment, fixed or otherwise, and is On the Commencement Date You must: at least 25 hours per week). Monthly Benefit – The monthly repayment not Self-Employment. Also Work that is • Be aged between 18-64; Commencement Date – The date on which due from You to the Lender as stated in seasonal or irregular. • Be named on the loan Agreement. Only Your loan is drawn down, or the date You Your Agreement. UK – The United Kingdom, the Channel the first named applicant can be insured sign the application for insurance, whichever Normal Occupation – Your paid occupation Islands and the Isle of Man. on this insurance policy; and is the later. immediately before Your accident, sickness Unemployment/Unemployed – A period • Be Working in the UK, including Self- Doctor – A UK registered medical practitioner, or Major Illness, or similar occupation that when You are out of Work or Temporary Employment, for at least 16 hours per practising in the UK, other than You or Your You are able to perform or may reasonably Work involuntarily and: week, or where applicable, You are on relatives. become qualified to perform, based on Your • You are actively seeking Work; statutory maternity or paternity leave. End Date – The earliest of the following dates: education, training and ability. If You are Working but are absent from Normal Pregnancy/Childbirth Related • You are not in receipt of, or entitled to, • Your Agreement ends; Work at the Commencement Date due Conditions – Symptoms which normally any pay in lieu of notice; and • Your cover is cancelled; to accident or illness, Your Accident and accompany a pregnancy and/or childbirth • You have throughout Your claim been Sickness cover will not start until You have • All payments due to the Lender under the (including those related to multiple pregnancy) registered with the appropriate authority returned to Work for a continuous period of Agreement have been paid; and which are generally of a minor and/or (the Department for Work and Pensions). at least one calendar month. • The last payment becomes due under the Temporary nature not representing an unusual If You have been entitled to make reduced Important Note on Normal Pregnancy/ original terms of the Agreement; or significant hazard to mother or baby. National Insurance contributions in the past Childbirth Related Conditions: This policy • The date of Your death; Off Sick – A period when You are unable to or You are aged over 60 and in receipt of does not include cover for Normal Pregnancy/ • The date a judgement is entered in any carry out the duties of Your Normal pension credits then You do not need to Childbirth Related Conditions. Therefore, court relating to Your obligations under the Occupation due to an accident, sickness or be registered with the Department for when a claim is made by you, for a medical Agreement or Your obligations stop or are major illness as certified by a Doctor, which Work and Pensions. For further details of condition which typically occurs during assigned or transferred to someone else; starts during the Period of Cover. You must how to make a claim please see Section 6. pregnancy or childbirth, we may refer you • The date the Agreement is referred to be under the regular care and attention of Please note – if You are seeking Work in the to a doctor or consultant who specialises in the Lender’s Insolvency & Debt Recovery a Doctor. EU for a period of up to 3 months, You must obstetrics for an opinion as to whether the Department; Outstanding Balance – The amount You make arrangements with the Department for condition is a Normal Pregnancy/Childbirth still owe to the Lender under the Agreement, Work and Pensions to register as Unemployed Related Condition. We will consider this • The date You retire (You must tell the less any discount for paying the Agreement in the country You are going to. You must Insurer if You retire before age 65); opinion to be final. off early. The Outstanding Balance on the obtain a form E303/3 from The Pensions • A Major Illness benefit is paid for You; Service in Newcastle before leaving the UK. loan will not include any Monthly Benefit Section 2 – Meanings • Your 65th birthday; or arrears, or associated interest and costs. War – Armed conflict between states, • You miss 3 monthly payments in a row Period of Cover – The period from the organisations, or domestic factions of of Words and Phrases Insurer – UK Insurance Limited for Accident, Commencement Date to the End date. opposing citizens of the same country, These are listed in alphabetical order and Sickness, Major Illness, and Unemployment Self-Employed – Actively Working in a characterised by lethal violence between have the following meanings whenever they cover and Direct Line Life Insurance Company profession or business alone or in a partnership combatants or against civilians. appear in bold in the policy. Limited for the Life insurance cover. and paying Class 2 National Insurance under Work/Working – Being in paid employment Agreement – The loan Agreement between Lender – Tesco Personal Finance Limited. the Social Security Contributions and Benefits or Self-Employment, for at least 16 hours a You and the Lender. The total amount Major Illness – A heart attack, cancer Act 1992 and liable to pay income tax under week in the UK, or on statutory maternity or insured must not exceed £25,000. (excluding skin cancers other than melanoma), Schedule D of the Income and Corporation paternity leave. Carer – Being completely without Work solely a stroke (otherwise known as cerebro-vascular Tax Act 1988, or a company director who is a You/Your – The first named person on due to the need to care for an immediate accident lasting longer than 24 hours), controlling director. the loan Agreement, have applied for the family member (spouse, partner, parent, child) coronary by-pass, kidney failure (requiring Specialist – A Doctor who holds, or has held, insurance and paid or agreed to pay the and being registered with Your local Social dialysis) or major organ transplant (receiving a consultant appointment in an NHS hospital premium. 6 7
  5. 5. • 6 consecutive months in Work if the The Insurer will not pay any Monthly Benefit Section 3 – What Are reason for claiming is as a result of the during the period of Temporary Work. per month (grocery only and subject to normal Tesco.com delivery restrictions.) You Covered For? same cause; However, when the Temporary Work finishes, • Free advice from a back to work helpline. or Your Unemployment claim may continue Further information on this service is (Applicable to Standard • 30 consecutive days in Work if the reason in which case the Insurer will treat this as available in Section 9. 1 continuous claim (with any accumulated and Total customers) for claiming is as a result of a new cause. time that was put towards fulfilling the Accident & Sickness Cover Unemployment Cover 14 day waiting period before a claim can Section 5 – What AreYou commence, continuing once the Temporary If You are Off Sick for a continuous period of If You are Working and become Unemployed Work has ended) until the cover End Date or Not Covered For? at least 14 days during the Period of Cover, for a continuous period of at least 14 days until the maximum of 12 Monthly Benefits A. This policy does not cover any accident, the Insurer will pay to the Lender a sum during the Period of Cover, the Insurer will have been paid, whichever happens first. sickness, unemployment or major illness equivalent to the Monthly Benefit divided pay to the Lender a sum equivalent to the Monthly Benefit divided by the number of If Your Work ends due to the need for You claim arising wholly or partly from: by the number of days that are in the month days that are in the month that You are out to become a Carer, You may claim under this • Your wilful or deliberate actions during You are unable to Work, for each consecutive of Work, for each consecutive day that You section. You will however be required to the Period of Cover. day that You are Off Sick. The payment will are Unemployed. The payment will be made provide evidence to substantiate Your claim, • Anything which occurs as a result of be made on a monthly basis. This entitlement which is detailed in Section 6 – “How Do You will continue until the maximum of 12 Monthly on a monthly basis. This entitlement will taking alcohol or drugs, (unless they are Benefits per claim have been paid, or until continue until the maximum of 12 Monthly Make A Claim?” taken under the direction of a Doctor and the cover End Date, whichever happens first. Benefits per claim have been paid, or until Major Illness Cover are not for the treatment of drug the cover End Date, whichever happens first. addiction); For example if Your Monthly Benefit is £300 If You are Working and are Off Sick as a and You are Off Sick for 20 days in November For example if Your Monthly Benefit is £300 result of a Major Illness and Your Specialist • War; or the payment You will receive will be worked and You are Unemployed for 20 days in confirms You will remain Off Sick until the • Any medical operations or treatments not out by dividing Your Monthly Benefit by November the payment You will receive will original repayment date of the loan, the medically necessary, including cosmetic or the number of days in the month and then be worked out by dividing Your Monthly Insurer will pay the Lender the Outstanding beauty treatments. multiplying by the number of the days in the Benefit by the number of days in the month Balance on Your loan. B. This policy does not cover any period month that You have been Off Sick, which and then multiplying by the number of the of Unemployment: in this example would mean You would be days in the month that You have been Life Cover entitled to £200. Unemployed, which in this example would In the event of Your death during the Period • Which occurred before the mean You would be entitled to £200. Commencement Date; If You are Off Sick for 2 periods both of Cover, the Insurer will pay the Lender the If 2 periods of Unemployment are separated Outstanding Balance on the loan as at the • If You are informed, within the first resulting from the same cause, that are separated by 3 months or less, the Insurer by 3 months or less, the Insurer will treat this date of death. 30 days immediately after the as 1 claim, but will not pay any Monthly Commencement Date, that You are to will treat this as one claim, but will not pay Benefit for the time in between. If the 2 lose Your employment, or You knew it any Monthly Benefit for the time in between. periods of Unemployment are separated Section 4 – What Other to be impending when You signed the Otherwise, if the cause is the same condition by more than 3 months, You will not be able Benefits Are Available? Agreement, whether or not You had and the period of time between the 2 claims is more than 3 months You will not be able to make the second Unemployment claim, received official notice; to make the second Accident and Sickness until You have been back at Work for (Applicable to Total • For any period for which You received, or claim until, You have been back at Work for 6 continuous months. customers only) are entitled to receive payment in lieu of 6 continuous months. If, however You are Off After the maximum of 12 Monthly notice. After this period You will have to Sick for a different cause, You will not be able Benefits have been paid for any period If You have Total Cover, in the event that an be Unemployed for 14 days in a row to make a second Accident and Sickness claim of Unemployment further claims for Accident, Sickness or Unemployment claim before You will be able to make a claim; until, You have been back at Work for at least Unemployment must be preceded by is paid, You will also receive: • If it results from Your resignation, 30 consecutive days between each claim. 6 consecutive months in Work. • £100 Tesco giftcard for each month voluntary redundancy or early retirement After the maximum of 12 Monthly Benefits If You are receiving Unemployment benefit that Your claim is paid. (Tesco terms or if You are Self-Employed and Your have been paid for any period of accident or and want to start Temporary Work which will and conditions apply to the use of business voluntarily ceases trading; sickness, further claims for accident or continue for less than 6 months, please tell Tesco giftcards.) • If it results from Your dismissal, which is sickness must be preceded by: the Insurer before You start this Work. • Up to 5 free Tesco.com shopping deliveries caused by Your own misconduct; 8 9
  6. 6. • If it results in the non-renewal of a fixed- holiday, no benefit will be paid for the Unemployment claims – policy may affect Your entitlement to State term contract; however this exclusion will duration of the repayment holiday period • a copy of the Jobseeker’s Agreement that benefit. Your local employment authority not apply if You are Working on a regularly as there will be no repayments that require You signed with the Department for Work will be able to provide You with further renewable contract and benefit will be cover at that time and because You will not and Pensions, or a record of any job information. paid if; be paying any premium during this period. applications You have made. If You are – You have been on a contract with the Life cover however will continue to be offered Self-Employed the Insurer will require Section 7 – How CanYou during the repayment holiday subject to the same employer for at least 12 months satisfactory proof of Your bankruptcy or terms and conditions on this policy. Your and had the contract renewed at least cover will begin from the month You make the involuntary insolvency of Your ChangeYour Claim? once; business and ceasing to trade. Your first repayment. If the Insurer is paying an Accident or – You have been under contract with Carers – Sickness claim and You become Unemployed the same employer for a period of Section 6 – How DoYou • Evidence that You are required to care or vice versa please tell the Insurer as soon 24 months; for an immediate family member, as possible. – You were originally Working on a Make A Claim? permanent basis with the same a Community Care Assessment or Carers’ Depending on the situation the Insurer may Assessment and that You were not aware send You a new claim form, which will need employer but were transferred to a To notify Your Insurer of a claim in the of the need for You to become a Carer at to be completed by Your Doctor/employers fixed-term contract by the employer first instance You (or Your personal the Commencement Date. without a break in Work; representatives for a Life claim) should and/or Department for Work and Pensions You will also be asked to fill in a continuation to ensure Your claim is valid. The Insurer – You are Working on a contract which telephone the Helpline number on 0845 309 8765, to request a claim form. claim form (at Your own expense, if any) for will treat Your Accident, Sickness and is not regularly renewable but each month that You continue to claim for Unemployment claims as 1 continuous individually negotiated, and You have The Helpline is open 9am to 5pm, Monday been with the same employer for at to Friday. Calls may be recorded. Hearing or Accident and Sickness or Unemployment. claim and payments will continue without least 6 months and had Your contract speech impaired customers can contact the You should send this to the Insurer on a a further waiting period up until the cover renewed at least twice, and Your Insurer on Textphone 0800 051 30 30. monthly basis unless otherwise stated. Your End Date or until the maximum number contract is terminated before it was Please fill in the form fully and accurately, claim may be delayed if the Insurer cannot of Monthly Benefits have been paid, due to expire. If this is the case, then and where applicable arrange for Your verify it because You are late in sending the whichever happens first. otherwise subject to the terms of the Doctor, an official of the Department for Insurer Your continuation claim form. policy, the Insurer will restrict Work and Pensions and Your employers to As soon as You go back to Work You should Section 8 – Important payments to the period up to the fill in the appropriate sections, and return it tell Your Insurer, so that the correct final original contract expiry date; to the address shown on the form. payment can be made and Your claim closed. Information • If You are Self-Employed and Your In order to verify Your claim, You will have business stops trading temporarily; or to provide any proof that is reasonably Any claim supported by a false declaration Your Right to Cancel or found to be fraudulent, unfounded or • If You are in Temporary Work; requested (at Your own expense, if any). intentionally exaggerated will not be paid. If this cover does not meet Your requirements, If adequate proof is not received Your claim If this happens or if You carry on claiming please return all Your documents and a – However, if You are claiming under the may not be paid. after You have returned to Work Your covering letter stating Your name, address Policy and You take any Temporary Work which lasts for less than 6 months, You (or Your personal representative for a Life insurance will be cancelled, without the and loan account details within 30 days following initial receipt to Tesco Personal the claim will freeze while You are in claim) may be asked for more information, 3 months written notice, and action will be Temporary Work. When the Temporary for example: taken to recover any overpayments. Finance, PO Box 104010, George House, Work finishes, Your claim will continue 4th Floor, 36 North Hanover Street, Glasgow Life claims – All Monthly Benefits will be paid to from the point it was at before You G1 2YG. Your cover will be cancelled and • an original death certificate (in English) or the Lender. took the Temporary Work (with any any premium paid will be returned in full, an office copy Grant of Probate/ The Insurer will only pay 1 type of benefit provided no claims have been made on the accumulated time that was put towards Letters of Administration. (Accident, Sickness or Unemployment) at policy during that time. fulfilling the 14 day waiting period, continuing once the Temporary Work Accident, Sickness & Major Illness claims – a time. • a certificate from Your Doctor and If You or Your partner are receiving any State has ended). employer saying that You are not benefit, You should advise the appropriate Complaints Procedure Repayment Holidays Working; You may also be required to be authority if You are also claiming under this Should there ever be an occasion where If You claim for Accident, Sickness or examined (at the Insurer’s expense) by a policy. In some circumstances, the amount You need to complain, please call the Unemployment during a repayment Doctor of the Insurer’s choice. of Monthly Benefit You receive under this Insurer on 0845 309 8765, lines are open 10 11
  7. 7. 9am-5pm Monday to Friday. Calls may be Date, You are required to give the Insurer Business Language Used advising and arranging is covered for 100% of recorded. Hearing or speech impaired 30 days written notice. Once this notice is The language used in this and all other the claim, without any upper limit. Information customers can contact the Insurer on given You will be entitled to a refund of part documents relating to this policy is English. can be obtained on request, or by visiting the Textphone 0800 051 3030. of Your insurance premium provided You All future communications both verbal and Financial Services Compensation Scheme If You wish to write, then address Your letter have not made a successful claim. written will be in English. website at www.fscs.org.uk. to Customer Liaison Unit, UK Insurance Since the amount the Insurer might have Limited, The Wharf, Neville Street, Leeds Assignment Connected Companies to pay in the event of a successful claim is LS1 4AZ. greater at the beginning of the term than You cannot transfer Your rights or interest in Tesco Personal Finance Limited, UK Insurance If the Insurer is unable to resolve the at the end the Insurer does not calculate this policy to any other person. If the Insurer Limited and Direct Line Life Insurance differences or does not resolve the complaint Your refund on a pro rata basis. Instead the transfers their rights and interests in this policy Company Limited are connected companies to your satisfaction, You may refer Your Insurer uses a formula called the Rule of 78, to any other person Your rights and interests as they are all members of The Royal Bank complaint to the Financial Ombudsman which reflects the way the risk changes over under this policy will not be diminished and of Scotland Group. Service (FOS). Their address is: the loan. Below is a table which explains what the level of service received under this policy South Quay Plaza, 183 Marsh Wall, London proportion of a premium You would receive will not be diminished. Section 9 – E14 9SR. Telephone 0845 080 1800. back as a refund for 2 example loan terms: The Insurers Unemployment If You do refer Your complaint to the Accident, Sickness, Major Illness and Financial Ombudsman Service, this will not affect Your right to take legal action. 60 Month 84 Month Unemployment Insurance is underwritten Advice Service Loan Loan and provided by UK Insurance Limited, A copy of the Insurer’s complaints procedure Registered Office, The Wharf, Neville Street, This service is provided as an additional leaflet is available on request. Leeds LS1 4AZ. Registered in England benefit of the product and doesn’t form After 12 months 57% 68% No. 1179980. The Life Insurance is part of your policy. Choice of Law After 24 months 31% 46% underwritten and provided by Direct Line You can use this benefit from the moment The law applying to this insurance shall be Life Insurance Company Limited, 6 Atlantic you take out your policy. This is a free, the law of England and Wales unless there is After 36 months 13% 29% Quay, 55 Robertson Street, Glasgow, independent and confidential advisory service. a written agreement to the contrary. G2 8JB. Registered Office, 3 Edridge Road, It provides confidential advice and assistance After 48 months 2% 16% Claims Investigations Croydon, Surrey CR9 1AG. Registered in on unemployment related issues. The advisors After 60 months 0% 6% England No. 2199286. Both companies are will give you practical guidance and extensive In the event of a claim, any information, authorised and regulated by the Financial details of many sources that may help you to which You provide or have provided to the Services Authority. find new employment such as: Insurer, will be put on the Register of Claims All figures used above are rounded to the through which insurers share information nearest whole number. Details About Our Regulator • finding prospective employers to prevent fraudulent claims. A list of The Financial Services Authority website • interview techniques participants and the name and address of Below is an example of how this formula would work in practice: which includes a register of all regulated firms • preparing CVs the operators of the Register of Claims is can be visited at www.fsa.gov.uk/register, • signing on procedures available from the Insurer. If a loan is taken out over 60 months, where or the Financial Services Authority can be the original premium is £1250 and the • State benefits Cost insurance was cancelled after 24 months, contacted on 0845 606 1234. UK Insurance Limited is entered in the FSA’s register under • retraining opportunities The cost of this insurance is detailed in Your You would be entitled to a refund of £383.20. number 202810, Direct Line Life Insurance Agreement. The premium has been added • disputes regarding redundancy including If the Insurer cancels this policy early the Company Limited is entered under number to the amount You have borrowed and its payment entitlement. Insurer will provide You with 3 calendar 170956. cost is payable by monthly instalments To take advantage of this valuable service, over the duration of Your loan. Interest will months’ written notice. You will be entitled Under the Financial Services and Markets please call 01582 429 222 where the accordingly become payable on this premium to a refund calculated on a pro rata basis Act 2000, should the company be unable advisors will be pleased to assist you. over the full term of the loan, or until the depending on how many months of cover to meet all its liabilities to policyholders, loan is repaid. You would have had if the cover had not compensation may be available. Insurance The Jobcare service is operated by been terminated. The Insurer will continue advising and arranging is covered for 100% PMA Limited. Termination of Contract to pay Monthly Benefits under the terms of of the first £2,000 and 90% of the remainder We cannot accept responsibility for the If You cancel Your policy after the first the policy for any valid claim that is being of the claim, without any upper limit. For availability, standard or for any consequences 30 days following the Commencement paid at the date of termination. compulsory classes of insurance, insurance resulting in the use of this service. 12 13
  8. 8. Your Information • Where we have your permission; or Fraud prevention agencies systems to protect your communications • where we are required or permitted to If false or inaccurate information is provided with us. Whenever you fill in a form, such as Who We are do so by law; or and fraud is identified or suspected, details a request for a quote, it is automatically Your Payment Protection Insurance is may be passed to fraud prevention agencies. protected using something called a Secure • to fraud prevention agencies and other arranged by Tesco Personal Finance (TPF) Socket Layer (SSL) between your computer companies that provide a service to us Law enforcement agencies may access and and underwritten by UK Insurance Limited and ours. SSLworks in the following ways: or you; or use this information. (UKI). Life cover is underwritten by Direct It prevents impersonation – you can tell that • where we may transfer rights and We and other organisations may also access Line Life Insurance Company Limited (DLL). obligations under this agreement. you are using a genuine SSLsite by the and use this information to prevent fraud You are giving your information to UKI, padlock symbol at the bottom of the screen. We may transfer your information to other and money laundering, for example when: DLLand TPF. UKI, DLLand TPF are members Clicking on either the padlock or the image countries on the basis that anyone to whom • Checking applications for, and managing opposite will reveal our Registration of The Royal Bank of Scotland Group we pass it provides an adequate level of credit and other facilities and recovering Certificate that is issued by Verisign, a (The Group). In this Information statement protection. However, such information may debt; ‘we’ ‘us’ and ‘our’ refers to UKI, DLLand TPF leading Internet security company.* be accessed by law enforcement agencies unless otherwise stated. • Checking insurance proposals and claims; It encrypts data – as soon as your computer and other authorities to prevent and detect For information about our group of crime and comply with legal obligations. • Checking details of job applicants and has recognised our computer they encrypt all companies please visit www.rbs.com and employees. information that is passed between them. From time to time we may change the way click on ‘About Us’, or for similar enquiries We, and other organisations that may Data encryption means that no one else can we use your information. Where we believe please telephone 0131 556 8555 or access and use information recorded by read or change your information as it travels Textphone 0845 900 5960. you may not reasonably expect such a change fraud prevention agencies, may do so from over the Internet. we shall write to you. If you do not object to Your electronic information the change within 60 days, you consent to other countries. It prevents scrambling – SSLuses a Message that change. We can provide the names and addresses of Authentication Code (MAC) to prevent If you contact us electronically, we may the agencies we use if you would like a copy anyone tampering with our Internet site. collect your electronic identifier e.g. Internet Sensitive Information of your information held by them. Please Your computer will always check this code Protocol (IP) address or telephone number supplied by your service provider. Some of the personal information we ask contact us at the address below. The agencies before it takes a message from us. This means you for may be sensitive personal data, as may charge a fee. that if anyone tried to interfere with How we use your information defined by the Data Protection Act 1998 If you would like a copy of the information a message, your computer would not and who we share it with (such as information about health or we hold about you, please write to: recognise the code and would alert you. criminal convictions). We will not use such The Data Protection Officer, Regulatory Risk *There are two minor problems with We will use your information to manage your insurance policy, including underwriting and sensitive personal data about you or others Department, Churchill Court, Westmoreland Microsoft Internet Explorer. Neither problem claims handling. This may include disclosing except for the specific purpose for which you Road, Bromley BR1 1DP quoting your has any effect on the actual security in force, it to other insurers, third party underwriters provide it and to provide the services reference. A fee may be payable. but may make it appear to you as if it is not and reinsurers. described in your policy documents. fully secure. You will have been asked to agree to this Cookies Your information comprises of all the details Internet Explorer 4. The padlock symbol we hold about you and your transactions when you called but please ensure that you Please note that we use “Cookies” on the does not always appear at the bottom and includes information obtained from only provide us with sensitive information Website. A cookie is a software application when it should. A full description of this third parties. about other people with their agreement. that tracks our users’ navigation of the error, number Q154621, is at Website and stores that information on their We may use and share your information Dealing with other people hard drives. This allows us to understand our http://support.microsoft.com/support/kb/arti with other members of the Group to help cles/Q154/6/21.asp It is our policy to deal with your spouse or users’ habits and preferences which enables us and them: Internet Explorer 5. If you click on the partner who calls us on your behalf, provided us to customise our services for our users to • assess financial and insurance risks; they are named on the policy. If you would provide an enhanced user experience. padlock symbol to view the security certificate • recover debt; like someone else to deal with your policy on We may, for example, use cookies to store the following message may be displayed: • prevent and detect crime; your behalf on a regular basis please let us registration information so that you do not “This certificate has failed to verify for all of its know. In some exceptional cases we may have to provide it to us on subsequent visits. intended purposes”. The other details of the • understand our customers’ requirements; certificate shown are correct. A full description also deal with other people who call on your • develop and test products and services. behalf, with your consent. If at any time you Further Security of this error, number Q233479, is at We do not disclose your information to would prefer us to deal only with you, please We take security very seriously and we use http://support.microsoft.com/support/kb/arti anyone outside the Group except: let us know. one of the strongest available security cles/Q233/4/79.asp 14 15

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