0845 600 60 16
Lines open 8am-9pm Monday to Friday,
9am-5pm Saturday and Sunday
Call to make the most Your Payment
of your money:
0800 46 60 50
0845 300 44 00
Lines open 8am-10pm 7 days a week
Lines open 8am-9pm Monday to Friday,
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
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.
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.
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.
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 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
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;
• 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
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
employer saying that You are not benefit, You should advise the appropriate
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
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.
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
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
• 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