Ulster Bank Black Card Insurance / Benefits and YourPoints Terms ...

Ulster Bank Black CardInsurance/Benefitsand YourPointsTerms and ConditionsHelp for what matters Help for what mattersPrivate Banking

Important InformationPlease note:The Financial Conduct Authority (FCA) and the Prudential Regulation Authority (PRA) are the independentwatchdogs that regulate financial services. You can check this on the Financial Services register by visiting theFCA website www.fca.org.uk/register or by contacting the FCA on 0800 111 6768 or the PRA on 020 7601 4878.We only offer insurance products from a limited number of insurers – you can contact us to ask for a list ofthese insurers. You will not receive advice or recommendations from us in respect of any of the insurancesdetailed in the following Credit Card Insurance Terms and Conditions. You will need to make your own choiceon how to proceed. You will not have to pay a fee for these insurances.We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensationfrom the scheme if we cannot meet our obligations. FSCS can be contacted by telephone on 0800 678 1100 or+44 (0) 207741 4100, by writing to FSCS, 10th Floor, Beaufort House, 15 St Botolph Street, London EC3A 7QU, oronline at www.fscs.org.uk.If you wish to register a complaint, please contact us: In writing: Ulster Bank Limited, Complaints HandlingCentre, Ulster Bank Limited, Danesfort, Stranmillis Road, Belfast BT9 UB. Telephone: 0845 300 2515 If you cannotsettle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service. You can findout more about The Financial Ombudsman Service by telephoning the Bank. Alternatively, you can write to:Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR or telephone 0845 080 1800.Statement of PriceYour Ulster Bank Black Card has an Annual Fee of £250 The services and insurances listed in this document arean integral part of your Ulster Bank Black Card. There is no separate charge for these services/insurances, theywill remain available while you hold an Ulster Bank Black Card.Benefits under the plan are free of all personal taxes under current law and Inland Revenue practice. Tax lawand practice may change in the future. Other taxes may exist that are not paid via underwriting insurer and/orUlster Bank Limited or imposed by them or us.Part ContentsPage1. Concierge 32. Airport Angel 5Home Emergency 7Roadside Assistance 9Card Protection 113. Worldwide Travel Insurance 15SECTION A – TRAVEL ADVICE 19SECTION B – TRAVEL ASSISTANCE 19SECTION C – CANCELLATION OR CURTAILMENT CHARGES 19SECTION D – MISSED DEPARTURE/MISSED CONNECTION 20SECTION E – DELAYED DEPARTURE/ABANDONMENT 20SECTION F – INVOLUNTARY DENIAL OF BOARDING 20SECTION G – BAGGAGE DELAY AND EXTENDED BAGGAGE DELAY 21SECTION H – EMERGENCY MEDICAL AND OTHER EXPENSES ABROAD 21SECTION I – HOSPITAL BENEFIT 22SECTION J – PERSONAL BELONGINGS AND PERSONAL MONEY 22SECTION K – TRAVEL ACCIDENT 22SECTION L – PERSONAL LIABILITY 23SECTION M – WINTER SPORTS COVER 23SECTION N – RENTAL CAR COLLISION DAMAGE WAIVER 24SECTION O – KEYS AND PAPERS 24SECTION P – TICKET CANCELLATION 24SECTION Q – THEFT OF HANDBAG AND/OR WALLET INEXPLAINABLE CIRCUMSTANCES 25SECTION R – ATM ASSAULT 25SECTION S – EXTENDED WARRANTY 254. Travel Assistance 275. Purchase Protection 306. Travel Pass 327. YourPoints 342

Medical Information – We can help with information about the location, telephone numbers and opening hoursof doctors, hospitals, dentists and pharmacies in many countries and may be able to provide information aboutspecific facilities, medical specialities and languages spoken.Find a Lawyer – If you need a lawyer we can provide the addresses of lawyers and their telephone numbers andopening hours in many locations. This service does not extend to giving legal advice. Details of any lawyer or firmprovided is not a recommendation on our part.Get Home Fast – If you are abroad and need to return home in an emergency we will try and find youinformation about the first available flight or other way of returning home and any en-route accommodationif required. If you ask us we can arrange all the necessary bookings on your behalf with one or more serviceproviders using your Ulster Bank Black Card .Emergency Interpretation – If you have an emergency and need to have something interpreted we can provide averbal translation by telephone to or from English into most major languages using our multilingual staff and ifwe cannot provide this when you call we will arrange to ring you back as soon as possible with a member of staffwho will be able to do this.Emergency Messaging – If you need a message to be sent to a friend, relative or someone else by telephone, faxor e-mail in an emergency we will make up to six attempts to do this at hourly intervals and will let you know ifwe have been unsuccessful.TRAVELAir Travel – We can provide you with information on:-• Scheduled flights• Connecting flights• Prices• Tickets RestrictionsWe can make scheduled flight reservations for you and arrange the issue of flight tickets for most internationalairlines and make on-line reservations on your behalf with international and low cost airlines using your UlsterBank Black Card.Airport Parking – If you need parking at an airport we can provide you with availability and cost and can make abooking direct with the parking company or a booking agent on your behalf using your Ulster Bank Black Card.Hotels – We are able to provide you with information about hotels in many places including:-• Ratings• Location• Services available• Room tariffs• Check in and out timesand if you ask, we will make a reservation on your behalf using your Ulster Bank Black Card with the hotel orthrough a hotel booking agency.Train – Information about train times and assistance in booking scheduled train departures from mostmajor locations.Ferries – We can provide details of the departure and arrival times for scheduled ferry services in most majorlocations in the world and help make bookings for you.Car Hire – Information is available for many locations about:• Opening hours• Collection and return• Vehicles• Tariffs• Insuranceand we will, if you ask, make a reservation on your behalf with the car hire company using your Ulster BankBlack Card.Chauffeur Driven Car – We are able to provide information in many worldwide locations for chauffeur driven carsfor airport transfers, meetings, events or for a complete trip. You can ask us to make a reservation on your behalfusing your Ulster Bank Black Card with the provider.Destination Information – We can provide you with information about:• Local entertainment, events and festivals• Local shopping• Sporting and leisure• Places of historical and cultural interest• Activities for children• Accommodation information• Local directions• Attractions• Local currencyTravel Advice – We can provide you with information before and during your trip abroad about:• Climate• Passport and holiday visas for leisure purposes• Real-time flight details• Embassy and consulate addresses and phone numbers• National public holidays• Languages spoken, time zones, and customs adviceHolidays – We are able to provide you with suggestions and help and assistance with booking a holiday eitherthrough combining individual elements from different service providers or a combined package from a touroperator. We will, if asked, book this on your behalf using your Ulster Bank Black Card.LIFESTYLE/CONCIERGEMeeting Space – We can provide information and make reservations on your behalf if you want to hold ameeting in most major cities and towns worldwide.Latest News – Up to the minute global news headlines, financial news, sports news and sports scores for mostmajor towns and cities.Restaurants – Information is available on restaurants in many worldwide locations and we can often checkavailability and make a reservation on your behalf with the restaurant or through a booking agency using, ifrequired, your Ulster Bank Black Card.Flowers – If you want information and help with arranging a bouquet or display of flowers, we can arrange witha flower company on your behalf a delivery in most major locations worldwide using your Ulster Bank Black Cardand arrange for a message to be included.Gifts – We can help arrange on your behalf through a gift supplier for a suitable gift to be delivered to mostmajor cities and towns worldwide using your Ulster Bank Black Card.Ticketing – We are able to provide information on the availability of tickets to ticketed events in most majorworldwide destinations and can make a reservation directly with the venue, promoter or through a third partyticket provider on your behalf using your Ulster Bank Black Card.Guest List – We can provide information about a variety of venues in most major cities offering guest listfacilities, including details of the location, opening hours, contact details and cuisine. We may even be able tomake a reservation for you using, if necessary, your Ulster Bank Black Card.Golf Courses – We can help with providing information for most major golf courses including:• Location• Contact details• Green fees• Handicap requirements• Course details• Tee times• Facilitiesand we will, if requested, try and make a tee reservation on your behalf.Special Occasions – For a special occasion we can provide help with organising such things as birthday parties,anniversaries and other important occasions with help and advice on:• Catering• Venues• Invitations• Travel arrangements• Accommodationand we can also help arrange these on your behalf with individual suppliers.4

Sending Documents and Gifts – We can help with arranging on your behalf for the collection and delivery ofdocuments or other items through local and international carriers. You will be responsible for all costs of thecarrier, customs dues and completion of any necessary documents (including customs declarations andinsurance declarations).Other requests – If there is something else you would like information on or help with we will try and help youwith your request provided that we are able to locate suitable information or there is a supplier with whom wecan place an order with on your behalf.Reminder Service – Register with us your important dates in your calendar and we will remind you in advance byyour preferred method.Registering Important Information – You will be able to register with us details of serial numbers, passportnumbers, driving licence numbers, key information for credit, charge, debit and payment cards and otherimportant items. This information will be held securely by us and be available to you at any time by calling us.PART 2Airport Angel Terms and ConditionsThis document contains the terms and conditions of your Airport Angel membership, which you are entitled toreceive as the primary holder of the Card.It is important that you read each section of these terms and conditions carefully to understand the features andconditions of your Airport Angel membership.DefinitionsUnless the context otherwise provides, where the following words are shown in the terms and conditions theyshall have these meanings:Airport Angel means the airport lounge access and Air Text service which are described in these terms andconditions.Card means the Ulster Bank Black Card issued to you by Ulster Bank Limited.Cardholder means the individual who is the primary holder of the Card and is eligible for Airport Angel as afeature of such Card.Membership Card means your Airport Angel membership card.Membership Year means each period of 12 months, starting in the month in which you apply for yourMembership Card, and each anniversary of that month, as applicable.we/us/our means CPP Travel Services and Promotional Marketing Limited (registered number 02389644) whoseregistered office address is Holgate Park, Holgate Road, York YO26 4GA.WebsiteThe website at www.airportangel.co.uk/ulsterbankblackcardWelcome Pack means the pack sent to you containing these terms and conditions and details of how to useAirport Angel.you, your means the Cardholder.Your Airport Angel Membership CardYour Airport Angel membership cannot be used until you receive your Membership Card.Your Membership Card is valid for one Membership Year only. Your Airport Angel membership will beautomatically renewed providing you still hold the Card, and we will send you a new Membership Card at theend of each Membership Year.You must tell us immediately if you lose your Membership Card, or if it is stolen, by calling 08448 73 13 73(lines open 24 hours a day, 7 days a week).Conditions and limitations1. Lounge access is only permitted upon presentation of a valid Membership Card, access will be refusedwithout your Membership Card.2. Your Membership Card is not a payment card, nor does it hold any credit.3. Your Membership Card is not transferable and cannot be used by anyone other than you.4. Your Membership Card is only valid when it has been signed by you and is only valid until the date shownon the card.5. If your Membership Card is lost, stolen or damaged, you must notify us immediately and we will provideyou with a replacement card. There may be a charge of £15 (including VAT) for replacing lost, stolen ordamaged cards.6. By providing details of your nominated payment card, you are authorising us to charge your payment cardin respect of Airport Angel services in accordance with these terms and conditions. This authority is infavour of us will remain in force until such time as it is cancelled by you in writing to us.Airport Angel comprises:1. Airport lounge accessYour Airport Angel membership entitles you to access the Airport Angel airport lounge access programme.You can find details on the participating lounges on the Website or by calling 08448 73 13 73.The services on offer in participating lounges include:• Complimentary refreshments• Free newspapers• Internet access• Shower facilities• Conference facilitiesYour Airport Angel membership entitles you to free visits to participating airport lounges. For eachaccompanying guest you bring, a fee of £15 (including VAT) per guest will be payable (If you wish to allow aguest entry to the airport lounge, log on airportangel.co.uk/ulsterbankblackcard or call 0845 301 7629 prior tothem accessing the lounge). The charge for each guest visit will be taken by us from your nominated paymentcard after the visit. Please note that children (where permitted) are charged at the full guest fee unlessotherwise stated.Conditions and limitations1. Your Airport Angel membership entitles you to have access to airport lounges that have agreed toparticipate in the Airport Angel airport lounge access programme. Whilst most lounges are available yearon year, some may change, please check the lounge listing before you travel.2. All participating lounges are owned and operated by third party organisations. You and your guests mustabide by the rules and policies of each participating lounge and any terms and conditions set out by aparticular lounge, which are available direct from the lounge. We have no control over, nor responsibility for,the facilities offered, the opening/closing times or the personnel employed by the participating lounges.3. We cannot be held responsible for any disputes that may occur between you and/or any guests and alounge operator which are not in relation to your Airport Angel membership. All disputes must be settleddirectly with the lounge in question.4. We will do our best to ensure that the benefits and facilities of participating lounges are available asadvertised, but we cannot guarantee availability at the time of your visit.5. Please note that the lounge operator may charge you for using some of their facilities (refer to the Websitefor details). We are not responsible for any such charges that you may incur.6. Access to participating lounges may be restricted due to space constraints but this will be at the discretionof each individual lounge operator.. Some lounges may reserve the right to enforce a maximum stay policy(which is usually 3-4 hours) to prevent overcrowding. This is at the discretion of the individual loungeoperator who may impose a charge for extended stays. We are not responsible for any such charges thatyou may incur.7. The number of guests that you may bring with you is at the discretion of each lounge operator and somelounges may not admit children. See the individual lounge descriptions available on the Website for details.8. Telephone facilities (where available) will be at the discretion of each lounge operator. Free usage is usuallylimited to local calls only. Refer to the individual lounge details. We are not responsible for any charges thatyou may incur when using telephone facilities in a participating lounge.9. The provision of free alcoholic drinks (where permitted by local law) is at the discretion of each loungeoperator and in some cases may be limited per customer, or not available. See the individual loungedescriptions available on the Website for details.10. Lounge staff will either take your Membership Card details and enter them into a terminal or a web site ormay take an imprint of your Membership Card to log and record your entry. Where applicable, you mustsign the log and confirm the number of guests accompanying you, if any. The charge per visit for any guestsaccompanying you will be based on the log submitted by the lounge operator. Any accompanying children(where permitted) will be subject to the full guest fee unless otherwise stated in the lounge listing. While itis the responsibility of the lounge staff to ensure the correct information is taken from the MembershipCard or that a log is made, you are responsible for ensuring the log correctly reflects your own usage andthat of any guests at the time of using the lounge. Discrepancies relating to the number of guests statedcannot be settled once you have left the lounge.11. Entry to a participating lounge will only be granted upon presentation of your passport, a valid flight ticketand boarding pass for the same day of travel, a valid Membership Card, and payment through yournominated payment card. Other forms of payment will not be accepted as a substitute.5

12. Any guests accompanying you must be able to present a valid flight ticket and boarding pass for the sameday of travel to gain entry to a participating lounge.13. Entry to participating lounges is subject to you and any guests (including children) complying with thelounges terms and conditions of use. Any lounge users not complying with those terms may be asked tovacate the lounge facilities. Airport Angel is not liable for any loss suffered by you and any guests where alounge operator has refused admission or asked you and/or any guests to leave because you and/or guestshave not complied with these conditions.14. Some lounges in Europe are located within designated Schengen areas of the airport which means thataccess is only provided to these lounges if you are travelling between the following countries: Austria,Belgium, Denmark, Finland, France, Germany, Greece, The Netherlands, Iceland, Italy, Luxembourg, Norway,Portugal, Spain and Sweden.15. Airline, airport and other travel industry employees travelling on reduced-rate tickets may not be eligiblefor the airport lounge access service. We reserve the right to refuse membership to people who areemployed by or contracted to an airline, airport or a Government in respect of airline or airport security.16. It is your responsibility to be aware of, and on time for, flight times, boarding gates and any other secondaryinformation related to their flight. Participating lounges have no contractual commitment to announceflights and we shall not be held liable for any loss resulting from you and/or any accompanying guestsfailing to board their flights.2. AirText flight status serviceThe AirText service will inform you of the flight details below using SMS sent to your mobile phone, or the mobilephone of someone nominated by you.• Updates on where and when to check in• Updates on gate numbers and boarding times• Final call announcement• Notification of any delaysYou must pre-book to use the AirText service. You can do this online at airportangel.co.uk/ulsterbankblackcard orover the telephone by calling 08448 73 13 73.Conditions and limitations1. The AirText service is provided by AirText Limited (registered number 04984592) whose registered office isat Agden Hall, Agden, Cheshire WA13 0TZ.2. Use of the AirText service is subject to the AirText Services Terms of Use, a copy of which is available atairportangel.co.uk/ulsterbankblackcard3. You can only use the AirText service once you have received your Membership Card.4. Once an AirText service has been booked, this is non changeable and non refundable.5. We reserve the right to change the number of free usages of the AirText service you are entitled to in anysubsequent Membership Year but will notify you of any changes in advance. All subsequent uses will becharged at the applicable rate.General Conditions, Exclusions and LimitationsYour attention is particularly drawn to these conditions, exclusions and limitations which detail the generalconditions, exclusions and limitations of the Airport Angel service.Who is covered1. The Cardholder is eligible for the Airport Angel membership.2. You must be 18 years of age or older and resident in the UK.3. The Airport Angel membership is non-transferable; this means that you cannot give your Airport Angelmembership away to someone else.Period of serviceYour Airport Angel membership is annual and continues while you hold the Card.Your Airport Angel membership will be automatically renewed after each Membership Year provided that youstill hold the Card. However you will need to apply for a new Membership Card periodically as instructed.Cancellation1. You can cancel your Airport Angel membership at any time by contacting us.2. In the event that you cancel your Airport Angel membership or your nominated payment card with thecard issuer, your Membership Card shall be invalid effective from the cancellation date of either yourAirport Angel membership or the payment card as applicable. Any subsequent lounge visits made using aninvalid card, shall be charged to your nominated payment card, including any charges for accompanyingguests. In the event that the Airport Angel membership has been cancelled due to the nominated paymentcard being cancelled, Airport Angel will pursue legal action to recover any owed monies.3. We will cancel your Airport Angel membership if we receive notification that you no longer hold the Card.4. We will cancel your Airport Angel membership if you have at any time:a) given us false or incomplete information;b) used your Airport Angel membership dishonestly or agreed to help anyone try to use your Airport Angelmembership dishonestly; orc) failed to meet the terms and conditions of your Airport Angel membership or to act openly andhonestly towards us.Conditions and limitations1. You must provide full and accurate information in connection with your use of the Airport Angel service.2. You must meet all of our terms and conditions. This applies to the terms and conditions set out here andany others which we change or add to the service at a later date.Waiver of terms and conditionsIf we choose not to enforce a term or condition contained in these terms and conditions, this will not prevent usfrom relying on that term or condition in the future.ComplaintsIf you want to make a complaint, please call us on 08448 73 13 73 or write to us at:Complaints ManagerAirport AngelCPP Travel Services and Promotional Marketing LimitedHolgate ParkHolgate RoadYorkYO26 4GA.We will do our best to answer your query within five working days. If no reply has been sent by then, you will besent an acknowledgement letter to keep you informed of progress.Applicable lawThese terms and conditions are governed by and must be interpreted in accordance with the laws of Englandand Wales, unless you live in Scotland (in which case Scottish law will apply) or Northern Ireland (in which caseNorthern Irish law will apply), unless you and us agree otherwise. You and us agree that terms and conditionswill be issued in English.Recording callsWe record all phone calls to us. We do this to:• provide a record of the instructions received from you;• monitor quality standards;• help us with staff training; and• meet legal and regulatory requirements.All communications and documents will be in English unless otherwise agreed.Special needsWe are committed to meeting the needs of all our customers, including those with special needs. Letters andother documents are all available on request in Braille or large text or on audio tape. Hearing and speechimpairedcustomers who wish to speak to us and have a textphone available can do so by using the RNID’sTypetalk Relay service. This is available 24 hours a day, seven days a week and allows our customers who find thisconvenient to contact us via a Typetalk Operator who will relay instructions and other requests verbally to ourcall centre staff. Please note that to use Typetalk Relay, you must have or be able to get access to a textphone.If so, just dial 18001 and then dial CPP’s number; once the call is connected, a Typetalk Operator will join the callto relay your message. CPP’s responses will then appear as text on your textphone. For Typetalk, please call18001 08448 73 13 73 For all other services, including requests for Braille, large print or audio versions of any ofour documents, please call 08448 73 13 73. In all cases, we’ll be happy to help.Data Protection Notice – Your personal detailsWe will use the information you provide to:• provide the Airport Angel service to you;• collect payments when due;• to contact you regarding any specific enquiry you make.We may ask your card issuers for details of changes in your address and other personal and financial details sothat we can be updated. This may include, but is not limited to, asking for updated or new card numbers and forinformation about changes to any personal contact details (e.g. telephone, mobile phone or fax numbers oremail addresses).6

We may use your details to invite you to take part in market research and to let you know about other goods orservices that might interest you.We may pass your personal information to other members of the CPP group of companies or other organisationsacting for members of the CPP group of companies. They may contact you by post, phone or by email. By takingout this subscription and by giving us your address, phone number and email address, you agree that we, othermembers of the CPP group of companies, and other organisations acting for members of the CPP group ofcompanies, may contact you using these methods. If you do not want your details to be used for these purposes,please let us know at any time.To avoid contacting you unnecessarily about products and services you may already have, we will compare yourdetails with information on prospect files prepared by our business partners. When we do this we may need totell our business partners that you have a subscription with us and disclose enough personal data to enable ourbusiness partners to identify you on these files.We may pass your personal information to our third party suppliers who provide features of the service so thatwe can provide the Airport Angel service to you.By using the Airport Angel service you consent that, for the better provision of the service, we may transfer yourdata outside the European Economic Area. If we transfer your information to a person, office, branch,organisation, service provider or agent in another country, we will make sure that they agree to apply the samelevels of protection as we are required to apply to information held in the UK and to use your information onlyfor the purposes that we have permitted.You have a right to see all the information we hold about you. If you want to see this information, please write to:The Compliance ManagerCPP Travel Services and Promotional Marketing LimitedHolgate ParkYorkYO26 4GAPlease note that there will be a separate administration charge for this service.Home Emergency with Heating Terms and ConditionsThis is an important document – please keep it in a safe placeIf you experience an emergency at home please telephone 0845 3017629.Statement of Demands and NeedsWe are not providing you with a personal recommendation as to whether the Policy is suitable for your specificneeds and it’s your responsibility to make sure that the Policy is right for you.This product meets the demands and needs of those customers who have their property damaged due tounforeseen incidents and need emergency repairs. Arrangements can also be made for alternativeaccommodation if required until the property becomes habitable.Your Home Emergency Insurance policy is provided by Card Protection Plan Limited (“CPP”) as agent of Home 3Assistance Limited (‘Home 3’) acting as agent of the Insurer.Your contract with Home 3For its fee, Home 3 will each year:i) act as intermediary by introducing you to the Insurer and its product;ii) act as intermediary in connection with the making of your contract with the Insurer; andiii) collect payments due from Ulster Bank Limited and pay the premium to the Insurer on your behalf.While carrying out these activities, Home 3 must comply with English law and UK regulation. Please see the‘Governing law’ and ‘Who regulates us’ sections for more details.When you accept the Ulster Bank Black Card, Ulster Bank Limited must pay Home 3 the fee for introducing youto the Insurer for carrying out the activities listed above. Out of its fee, Home 3 pays CPP a commission.Home 3’s full company name is Home 3 Assistance Limited and our registered address is 1 Future Walk, West Bars,Chesterfield S49 1PF. Registered in England Number 6594429.Your policy with the InsurerThis section explains the terms and conditions of the cover that the Insurer will provide in return for thepremium that is paid by Ulster Bank Limited during the period of insurance. It also sets out all the conditions,limits of liability and exclusions that apply to your cover.Your Home Emergency Insurance policy is underwritten by the Insurer, Mapfre Asistencia CompaniaInternacional de Seguros y Reaseguros Sociedad Anonima (FCA firm number 203401) a company incorporated inthe Kingdom of Spain and registered as a foreign company in the United Kingdom with company numberFCO21974, acting through its UK branch registered in the UK with branch number BR008042 and whose principaloffice is at Alpha House, 24a Lime Street, London, EC3M 7HS, and which is entitled pursuant to EEA passportingrights to underwrite general insurance in the UK. All premiums paid by Ulster Bank Limited in respect of yourpolicy are deemed in law to have been paid to the Insurer when received by Home 3.All claims management and administration of this Home Emergency Insurance policy is provided by Home 3acting as agent for the Insurer. This means that when you contact Home 3, you are deemed to be making contactwith the Insurer.The Insurer must comply with English law and UK regulation. Please see the ‘Governing law’ and ‘Who regulatesus’ sections for more details.DefinitionsUnless the context otherwise provides, where the following words are shown in this document they shall havethe following meanings:Approved Contractor – A tradesperson authorised in advance by us to carry out repairs.Claim – Any claim you make under this policy.Cover – The benefits available to you under this policy.Emergency – The result of a sudden and unforeseen incident at the property which immediately:i. Exposes the insured or a third party to a risk to their health orii. Creates a risk of loss or damage to the property oriii. Renders the property unfit for people to live in.Emergency Repairs – Work undertaken by an authorised approved contractor to resolve the emergency bycompleting a temporary repair.Insurer – Mapfre Asistencia Compañia Internacional de Seguros y Reaseguros Sociedad Anonima, RegisteredAddress; Alpha House, 24a Lime Street, London EC3M 7HS, Registered number FC021974.MasterCard – The Ulster Bank Black Card issued to you by Ulster Bank Limited.MasterCard holder – The individual who is the primary holder of the MasterCard and is eligible for the policy as afeature of such card.Period of insurance – The period of insurance starting when your application for the MasterCard is accepted andcontinuing for as long as you are a MasterCard holderPermanent Repair – Repairs and/or work required to put right the damage caused to the property by theemergency.Policy – These terms and conditions and any changes we may agree with you to this document from time totime.Premium – The amount payable to the Insurer inclusive of insurance premium tax which is paid by Ulster BankLimited.Property, Home – Your principal permanent place of residence, comprising private dwelling, garage andoutbuildings used for domestic purposes in the United Kingdom. The property must not be used for commercialpurposes of any nature including the letting of the property. You must be the legal owner of the property.Roofing – The roof of the property which is solely your responsibility.Temporary Repair – A repair that will resolve an emergency but will need to be replaced by a permanent repair.United Kingdom – England, Scotland, Wales and Northern Ireland.We, Us, Our – The Insurer in the ‘Your Policy with the Insurer’ section or Home 3 and the Insurer in the ‘GeneralConditions of both contracts’ section.You, Your, the Insured – The MasterCard holder.A: Your BenefitsA1: We will provide a 24 hour helpline for you to report your emergency.A2: We will arrange an approved contractor to come to your home and carry out emergency repairs that areimmediately necessary to:i. Protect you against risk to your health;ii. Prevent a risk of loss or damage to the property;iii. Make your property safe and habitable.A3: We will provide assistance for emergencies relating to:a. Plumbing and Drainage – the sudden or unexpected failure of, or damage to, the plumbing anddrainage system which will result in internal water damage to your property. This includes leakingpipes, blocked drains, water tanks, blockages in toilet waste pipes (if there is only one toilet in theproperty) or leaking radiators.7

. Electrical/Gas Supply – the sudden, unexpected failure or breakdown of the electricity (or one phasethereof) or gas supply within your property.c. Security and Glazing – the sudden or unexpected failure of, or damage caused to external locks, doorsor windows only which has rendered your property insecure.d. Roof – damage to the roof of your home caused by storm or fallen trees and branches.e. Pests – problems with pests in your home including cellars and adjoining outbuildings. In respect ofwasp and hornets nests the cover extends to the garden of your home.f. Primary heating system – the complete failure or breakdown of either the heating and/or hot watersupply provided by your primary heating system.A4: In the event of an emergency, we will carry out an emergency repair. We will not cover any other repairwork, including any work required to restore your property to its original condition prior to the emergency.B: Conditions, Exclusions and LimitsB1: ConditionsYour cover under this policy depends on the following conditions:1. You are responsible for informing us of any change in the information you have supplied to us. If you fail todo so, you may invalidate the policy;2. No costs for repairs are payable under this policy, unless we have been notified by you or a person calling onyour behalf through the 24 hour claims service telephone number 0845 301 7629 and we have authorisedthe deployment of an approved contractor in advance;3. You must take reasonable precautions to protect and maintain your property and the services within it.This policy does not cover normal day to day maintenance at your property or cover replacement of itemsas a result of wear and tear;4. You must provide all the documents we ask for, including identification to our nominated agents andoriginal receipts (not copies) for any expenses claimed under this policy;5. You must co-operate with us in obtaining reimbursement of any costs we incur under the terms of thispolicy, which may have been caused by the action of a third party against whom you have a legal right ofaction; and6. We will be entitled to decide on the most appropriate way to provide you with help, although we will takeaccount of your wishes wherever possible.B2: Limits of CoverWe will arrange and pay for emergency assistance of up to £750.00 per claim including; parts, labour andmaterials and VAT to carry out an emergency repair.Alternatively, if at a similar expense, we may decide to carry out a permanent repair, subject to the £750 limit.Emergency AccommodationIn the event of the property becoming uninhabitable and remaining so overnight, we shall at your requestarrange and pay up to £250.00 (Including VAT) toward:i. Your overnight accommodation and/orii. Transport to such accommodation.A maximum of 3 claims per policy annum.B3: Exclusions1. This policy is not a household buildings or contents policy or an equipment maintenance contract.Therefore, the following are excluded from the policy:a. any leaking or dripping tap that requires re-washering or replacing;b. external overflows or replacement of cylinders, tanks, radiators and sanitary ware;c. burst or leaking flexible hoses or leaking washing appliances that are fitted with a stop tap;d. external water supplies;e. replacement of light bulbs and fuses in plugs;f. loss of keys for outbuildings, garages and sheds;g. breakdown or loss of or damage to domestic appliances or saniflow toilets and other mechanicalequipment;h. damage to boundary walls, hedges, fences or gates;i. water supply pipes that you are not responsible for;j. boilers or heating systems over 15 years old;k. failure of boilers or heating systems that have not been maintained, inspected or serviced by anapproved contractor in line with the manufacturers instructions;l. the replacement cost of your boiler if it is uneconomical to repair;m. expenses not supported by valid original receipt.B4: Limitation of liabilityEvery effort will be made to provide you with the emergency assistance described in these terms and conditions.However, there may be times when it is not possible to arrange assistance due to circumstances beyond ourcontrol, for which we cannot be held liable.We will not be liable for any of the following:a. Loss or damage arising from circumstances known to you prior to the start date of this policy.b. The cost of replacement parts due to natural wear and tear.c. Loss or damage however caused to the contents of the property or personal items such as paintings,electrical goods, jewellery, clothing etc.d. Loss or damage arising from disconnection or interruption of mains services by the deliberate act of theutility company concerned or any equipment or services which are the responsibility or property of theutility company.e. The cost of any work, which was carried out without our approval, including any cost relating to theattempted repair by you or your own contractor.f. Any defect, damage or failure caused by malicious or wilful action, negligence, misuse, third partyinterference or faulty workmanship, including any attempted repair or modification which does not complywith recognised industry standards.g. Any emergency in a property that has been unoccupied for more than 30 consecutive days.h. Any loss arising from subsidence caused by bedding down of new structures, demolition or structuralrepairs or alterations to the property, faulty workmanship or the use of defective material or river or coastalerosion.i. Obsolete or unobtainable parts due to the age of your boiler or heating system.j. Any loss or damage arising as a consequence of:• War, invasion, act of foreign enemies, terrorism, hostilities (whether war is declared or not), civil war,rebellion, revolution, insurrection, coup, riot or civil disturbance.• Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear wastefrom combustion of nuclear fuel, the radioactive toxic explosive or other hazardous properties of anyexplosive nuclear assembly or its nuclear component.k. Any loss, injury, damage or legal liability arising directly or indirectly from, or consisting of the failure orinability of any equipment to correctly recognise or interpret data representing any date, in such a way thatit does not work properly at all.l. The cost of repair to swimming pools and any decorative features such as hot tubs, fountains or ponds, andall associated plumbing and filtration systems.m. Any repair or replacement of flexible cable.n. Callout charges where there is no emergency or where no fault is found.o. Any claims arising within the first 14 days of the start of the policy.B5: Length of Policy and PremiumsThis policy provides cover that begins on the start date and which continues for as long as you are an Ulster BankBlack Card holder.B6: Other insuranceIf you have any other insurance or maintenance contract which covers any of the benefits set out in this policy,you must tell us about this when you make a claim. We will not pay more than our share of any claim covered byother insurance.B7: Dishonest ClaimsIf you make a claim which is in any way dishonest, the policy shall become void. If we pay any benefit and laterdiscover that your claim was dishonest, we will take steps to get the money back.B8: Setting Aside Terms and ConditionsIf we or the insurer chooses to set aside an exclusion, term or condition of this policy, this will not prevent us orthe insurer from relying on that exclusion, term or condition in the future.C: ClaimsC1: Making a claimBefore requesting assistance and making a claim, please check that the circumstances are covered by this policy.If you experience an emergency at your property please telephone the emergency helpline number quoting theproperty address and provide details of the problem. We will then aim to arrange a suitable approved contractor8

to visit the property, as agreed with you and the approved contractor, to make an emergency repair. You shouldcontact your supply company and/or the public emergency services if you have a major emergency that putssomeone in danger, which could result in personal injury or in serious damage to property.If you need to claim for expenses you have paid, and which are covered under this policy, you will need to requesta claim form to fill in and return to us. All claims and supporting documents must be received within six monthsof the emergency. Please remember to include all the documents that we ask for, including original receipts (notcopies) for any expenses claimed for. If you do not, we will not be able to process your claim until we have receivedthem. If we have received all the documents that we need, we aim to process these claims within 14 days.C2: Disputed ClaimsIf you are unhappy with a decision we have made you have the right to appeal. You must do this within 90 daysof the claim decision. If you would like to appeal, please write to:The Appeals Team, Home 3 Assistance Ltd, 1 Future Walk, West Bars, Chesterfield S49 1PFPlease note that when processing and settling claims and appeals, Home 3 does so as agent for the insurer andnot as agent for any policyholder.Accordingly, any amount due to you in settlement of a claim is not deemed in law to have been paid out untilreceived by you.General Conditions of Both Contracts (with the provider Home 3 and the insurer Mapfre)Your right to cancelRemember that you have a right to cancel your contracts with Home 3 and Mapfre at any time. If you decide tocancel please call us on 0845 301 7629 and we will cancel your contracts immediately.Our right to cancel1. We will cancel your cover if you have at any time:a) Given us false or incomplete information;b) Agreed to help anyone try to take money from us dishonestly; orc) Failed to meet the terms and conditions of these contracts or to act openly and honestly towards us.ComplaintsIf you have a complaint please write to:Customer Care ManagerHome 3 Assistance Ltd1 Future WalkWest BarsChesterfieldS49 1PFWe will do our best to answer your query within five working days. If we have not replied to your complaint bythen, we will send you an acknowledgement letter to keep you informed of progress.If it is impossible to reach an agreement you have the right to refer your complaint to The Financial OmbudsmanService (FOS), South Quay Plaza, 183 Marsh Wall, London E14 9SR. This procedure will not prejudice your right totake legal proceedings, however please note that there are some instances when the FOS cannot considercomplaints.Please note that the Ombudsman will not be able to help unless you have first taken your complaint to Home 3and your subsequent appeal is made within 6 months of our final reply.Governing LawThese contracts are governed by and must be interpreted in accordance with the laws of England and Wales,unless you live in Scotland (in which case Scottish law will apply) or Northern Ireland (in which case NorthernIrish law will apply) unless you and the Insurer agree otherwise. You and we agree that contract terms will beissued in English.Who Regulates UsHome 3 and the Insurer, are authorised and regulated by the Financial Conduct Authority. You can check this onthe FCA’s register by visiting the FCA website www.fca.org.uk/register or by contacting the FCA on 0800 111 6768or + 44 (0) 20 7066 1000. Home 3’s Firm Reference Number (FRN) is 496336.Consumer ProtectionHome 3 and the Insurer are covered under the Financial Services Compensation Scheme. This providescompensation in case any of its members are unable, in specified circumstances, to meet any valid claims undertheir policies. Insurance advising and arranging is covered for 90% of the claim with no upper limit.Compensation is only available to commercial customers in limited circumstances. Further information can beobtained from the insurer or from the Financial Services Compensation Scheme at the following address:Financial Services Compensation Scheme, 10th Floor, Beaufort House, 15 St Botolph Street, London EC3A 7QU.Recording CallsHome 3 records all phone calls from policyholders and other consumers. This is to:a. provide a record of the instructions we have received from you;b. allow us to monitor quality standards;c. help us with staff training; andd. meet legal and regulatory requirements.All communications and contract documents will be in English unless otherwise agreed.Special needsThis information can be supplied in Large Print, Braille or Audio on request.Data Protection Notice – Your DetailsThe insurer will use the information you provide:a. to manage your policy and provide the benefits described in these terms and conditions;b. for underwriting purposes; andc. to process any claim you make in connection with these terms and conditions.Home 3 may ask our business partners for details of changes in your address and other information so that it canupdate its records. This may include, but is not limited to, your contact details (e.g. phone or fax or emailaddresses). Home 3 may pass your information to our approved suppliers so we can send correspondence to you.When you ask us to arrange an approved contractor, your name and address will be disclosed to them so that therequired assistance can be provided. Home 3 may pass your information to its business partners. Home 3 and ourbusiness partners may also use your information to contact you about goods and services that might interestyou or invite you to take part in market research surveys.You may be contacted either by post, phone or e-mail for these purposes. If you would prefer this not to happen,please let Home 3 know at any time during your policy. To avoid contacting you unnecessarily about products youmay already have, Home 3 will compare your details with information on prospect files prepared by our businesspartners. When we do this we may need to tell our business partner that you have a policy with us and discloseenough data to enable them to identify you on their files.By taking out this policy you consent that for the better performance of this contract we may transfer your dataoutside the European Economic Area.You have a right to see all the information we hold about you. If you would like to see this information, pleasewrite to:The Compliance Manager, Home 3 Assistance Ltd, 1 Future Walk, West Bars, Chesterfield S49 1PF.Please note that there will be a separate administration charge for this service.Roadside AssistanceImportant InformationStatement of Demands and NeedsWe are not providing you with a personal recommendation as to whether the Policy is suitable for your specificneeds and it’s your responsibility to make sure that the Policy is right for you.This product meets the demands and needs of those customers when their vehicle breaks down and they requireemergency assistance. Arrangements can also be made for the hire of a courtesy vehicle if your car can’t berepaired at the roadside. This is your European Roadside Assistance Gold policy – it includes everything you needto know about your cover.We suggest you keep this document in a safe place as you will need to refer to it in the event of a breakdownor accident.You must register your car registration number by telephone prior to availing of this assistance.Call 0845 301 7629.• 24-hour helpline service• Roadside assistance• Roadside repairs• Recovery service• Get-you-to-your-destination service• Message relay• Home startIn the event of a breakdown, call our Roadside Assistance helpline on 0845 301 7629 from the UKor +44 1702 272431 from the rest of Europe9

Roadside AssistanceYour policyPlease read this policy carefully.Your Roadside Assistance policy has been arranged for you as the holder of the Ulster Bank Black Card by CardProtection Plan Limited (company number 1490503, whose registered office address is at Holgate Park, HolgateRoad, York YO26 4GA), an agent of the insurer.This policy sets out the cover that the insurer, DAS Legal Expenses Insurance Company Limited, will provideduring the period of cover. It also sets out all the conditions, limits of liability and exclusions that apply toyour cover.How we can helpWe are here to help you 24 hours a day, 365 days a year. In the event of a breakdown, call our Roadside Assistancehelpline on 0845 301 7629 (for calls from the UK) or +44 1702 272431 (for calls from the rest of Europe) andprovide the following information:– Policyholder’s name.– Registration number of the vehicle.– Make, model and colour of the vehicle.– Nature of the breakdown and location of the vehicle.A Roadside Assistance operator will arrange for one of our approved agents to come to your assistance as quicklyas possible.It is important that you contact our Roadside Assistance centre as soon as possible after the breakdown.We will not cover any call-out charges and labour costs unless we have given our agreement.If your vehicle cannot be repaired within an hour at the scene of the breakdown, we can arrange for the vehicleand insured person(s) to be taken to a suitable repairer or, provided it is nearer, your home address. If the vehiclecannot be repaired the same day as the breakdown, we will pay for one of the following:– transporting you and your vehicle to a destination within the territorial limit; or– the hire of a vehicle so you can continue your journey; or– reimburse the cost of overnight accommodation.All telephone calls to us are monitored and recorded as part of our training and quality assurance programmes.When we cannot helpOur approved agents cannot work on your vehicle if it is unattended.Please do not arrange assistance before we have agreed.If you do, we will not pay the costs involved.ProblemsWe will always try to give you a quality service. If you think we have let you down, please write to our CustomerRelations Department at our Head Office address shown below. Or you can phone us on 0117 934 0066 or emailus at customerrelations@das.co.ukDetails of our internal complaint-handling procedures are available on request.Our Head and Registered Office is:DAS Legal Expenses Insurance Company Limited, DAS House, Quay Side, Temple Back, Bristol BS1 6NH. Registeredin England and Wales, number 103274. Website: www.das.co.ukDAS Legal Expenses Insurance Limited is authorised and regulated by the Financial Conduct Authority.If you are still not happy, you can contact the Financial Ombudsman Service at:South Quay Plaza, 183 Marsh Wall, London E14 9SR.Tel: 0800 023 4567 or +44 (0) 20 7964 0500Email: www.financial-ombudsman.org.ukTHE MEANING OF WORDS IN THIS POLICY1 Breakdown(1) Mechanical or electrical failure; or(2) Accidental damage, or damage caused by vandalism, fire, theft or attempted theft;which stops your vehicle moving.2 Competent repairerIs the nearest garage to the scene of the breakdown, that can carry out repairs to the vehicle3 Insured person(s)You, and any passenger or driver who is in the vehicle with your permission at the time of the breakdown.4 Period of coverThe period of insurance starting when you take out the Ulster Bank Black Card and continuing for as long as youare an Ulster Bank Black Card holder5 Policy yearA period of 12 consecutive months beginning on the date you become a Ulster Bank Black Card holder andcontinuing each year on the anniversary of you becoming a Ulster Bank Black Card holder.6 Territorial limitSub-section AThe United Kingdom of Great Britain and Northern Ireland, the Isle of Man and the Channel Islands.Sub-section BThe European Union, Albania, Andorra, Bosnia Herzegovina, Croatia, Gibraltar, Iceland, Liechtenstein,Macedonia, Monaco, Montenegro, Norway, San Marino, Serbia, Switzerland and Turkey (West of theBosphorus) but excluding countries listed under subsection A above.7 VehicleAny private cars or private cars modified for commercial use, or commercial cars not exceeding 3,500kg totalvehicle weight that have been declared to us.Any caravan or trailer attached to the vehicle must not exceed 7.6 metres (25 feet) in length.8 We, us, ourDAS Legal Expenses Insurance Company Limited.9 You, yourThe Ulster Bank Black Card holder.10 Ulster Bank Black Card – The Ulster Bank Black Card issued to you by Ulster Bank Limited.11 MasterCard holder – The individual who is the primary holder of the Ulster Bank Black Card and is eligiblefor the policy as a feature of such card.CoverYou are covered for the assistance services in this policy for a maximum of six breakdowns per policy year duringthe period of cover.We agree to provide the assistance services in this policy keeping to the terms, conditions and exclusions as longas the breakdown happens during the period of cover and within the territorial limits.After we have dealt with your sixth breakdown in that policy year, we will try if you wish to arrange forassistance at your expense. The terms of any such assistance are a matter for you and your supplier.Assistance services under this policySub-section A – UNITED KINGDOM COVER1 Emergency roadside repairs and home breakdownWe will pay the call-out charge and up to one hour’s labour costs for one of our approved agents to attend thescene of the breakdown, and where possible, carry out emergency repairs.2 Vehicle recoveryIf your vehicle cannot be repaired within one hour at the scene of the breakdown, we will pay for the cost oftransporting your vehicle and insured person(s) to a single destination, being either:(a) a suitable repairer; or(b) if the insured person wishes, their home address, provided it is nearer.3 Getting you to your destinationIf your vehicle cannot be repaired on the same day as the breakdown, and has broken down away from yourhome, we will either:(a) pay the cost of transporting your vehicle or insured person(s) or both to a destination(s) within theterritorial limit provided that the insured person(s) are transported to the same destination; or(b) arrange and pay the cost of hiring a category A vehicle to allow the insured person(s) to continue theirjourney to a destination within the territorial limits; or(c) arrange transport for insured person(s) to travel to a hotel. You will have to pay for the cost of this, and thehotel costs; but we will reimburse you up to £50 per person per night for accommodation. The most we willpay for transport to the hotel and the cost of hotel accommodation is £300 for any one breakdown.You must pay the hotel bill, but we will pay you back on receipt of the relevant bill(s) subject to the £300 limit forany one breakdown.Conditions(i) We will only pay a maximum of £300 for any one breakdown.(ii) You must send us all the relevant invoice(s) before we will reimburse you.At all times we decide on the best way of providing help.10

4 Emergency message serviceWhen you claim for any of the services detailed in 1, 2 and 3 above we will forward two messages to a member ofyour family, friend or work colleague if you would like this.Sub-section B – EUROPEAN COVERThis sub-section only applies to vehicles no more than 10 years old.1 Emergency roadside repairsWe will pay the call-out charge and up to one hour’s labour costs for one of our approved repairers to attend thescene of the breakdown and where possible carry out emergency repairs.2 Vehicle RecoveryIf the vehicle cannot be repaired within one hour at the scene of the breakdown, we will pay the cost oftransporting the vehicle to one of our approved repairers.3 Getting you to your destinationIf your vehicle cannot be repaired on the same day as the breakdown, we will pay:(a) the cost of transporting your vehicle or insured person(s) or both to a destination(s) within the territoriallimit provided that the insured person’s are transported to the destination. We will not pay more than thevalue of your vehicle; or(b) the cost of hiring a replacement vehicle up to £750. The replacement vehicle must remain within theterritorial limit or the United Kingdom of Great Britain and Northern Ireland, the Isle of Man and theChannel Islands; or(c) an insured person’s hotel accommodation costs up to £50 per night, but the most we will pay for all claimsarising from any one breakdown is £500.At all times we decide on the best way of providing help.The most we will pay for all claims arising from any one breakdown is £3,000.WHAT IS NOT COVERED BY THIS POLICY1 The breakdown of your vehicle:– if it has knowingly been driven in an unsafe or unroadworthy condition; or– which has resulted from lack of oil, fuel or water; or– which occurs while your vehicle is being used for motor racing, trials or rallying or for hire or reward.2 The cost of:• storage charges, you will be responsible for any vehicle storage charges incurred when you are using ourservices; or• spare or replacement parts, fluids or fuel or any other materials used in repairing your vehicle; or• any other repairs except those at the scene of the breakdown; or• replacing a wheel if your vehicle does not have a serviceable spare wheel; or• replacing broken windows,• finding missing keys or broken keys; or• ferry crossings, parking charges, fines or toll charges.3 Any claim caused by fuels, mineral essences or other flammable materials, explosives or toxins transportedin your vehicle.4 Any charges arising from an insured person’s failure to comply with our instructions or our approvedagents’ instructions in respect of the assistance being provided.5 Any claim arising where your vehicle is carrying more passengers or towing a greater weight than that forwhich it is designed as stated in the manufacturer’s specifications, or arising directly out of theunreasonable driving of the vehicle on unsuitable terrain.6 Getting you to your destination is not applicable to commercial car owners.7 Any costs incurred before you have notified us of the breakdown.8 Any vehicle which cannot be recovered by a standard trailer or transporter.9 The recovery of a caravan or trailer on tow which exceeds 7.6 metres (25 feet) in length.10 Any failure on our part to perform any obligation as a result of acts of God, Government control, restrictionsor prohibitions, or any other act or omission of any public authority (including Government) whether local,national or international.11 Breakdowns caused by, contributed to by or arising from:– ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste fromburning nuclear fuel; or– the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclearpart of it; or– war, invasion, foreign enemy hostilities (whether war is declared or not), civil war, rebellion, revolution,military force or coup; or– pressure waves caused by aircraft or any other airborne devices travelling at sonic or supersonic speeds.CONDITIONS1 An insured person must keep to the terms and conditions of this policy.2 At all times we decide on the best way of providing help.3 To be eligible for assistance, the insured person shall hold a current motor insurance policy.4 At all times during the period of cover, the vehicle must be maintained in a roadworthy condition and regularly serviced.5 You can cancel this policy at any time by calling 0845 301 7629. Your policy will also be cancelled if youcancel the Ulster Bank Black Card which entitles you to this policy. You will not be entitled to a refund ifyour policy is cancelled.6 An insured person must be present with the vehicle when the approved agent arrives.7 We are not responsible for the vehicle, once the approved agent has delivered it to the competent repairer.8 We will make every effort to provide the service at all times, but we will not be responsible for any liabilityarising from breakdown of the service.9 It is the insured person’s responsibility for the removal and transport of a commercial load in the event thatan insured vehicle needs to be towed.10 The transportation of any animal or livestock is undertaken solely at our discretion and we accept noliability for the safety or welfare of any animal or livestock during its transportation.11 We will not pay for any loss that is not directly covered by the terms and conditions of this policy. For examplewe will not pay for your travel costs for collecting your vehicle from a repairer, loss of income from takingtime off work because of a breakdown, or loss from cancelled or missed appointments.12 We will not pay any claim covered under any other policy, or any claim that would have been covered by anyother policy if this policy did not exist.13 Replacement cars are subject to commercial car hire criteria. This criteria may include, however is notlimited to the following: full driver’s licence without endorsements, a cash or credit card deposit. Thesecriteria are not exhaustive and may change from time to time. It is also a condition of car hire that the carmust be returned to the pickup point.14 This contract is governed by and must be interpreted in accordance with the laws of England and Wales,unless you live in Scotland (in which case Scottish law will apply) or Northern Ireland (in which caseNorthern Irish law will apply) unless you and the Insurer agree otherwise. You and we agree that contractterms will be issued in English.Data Protection noticeTo provide and administer the roadside assistance policy we must process your personal data that we collectfrom you in accordance with our Privacy Policy. To do so, we may need to send your information to other parties,such as our approved agents. Unless required by law or by a professional body, we will not disclose your personaldata to any other person or organisation without your written consent. For any questions or comments, or requests tosee a copy of the information we hold about you or our Privacy Policy, please write to the Group Data ProtectionController at DAS Legal Expenses Insurance Company Limited, DAS House, Quay Side, Temple Back, Bristol BS1 6NH.Card Protection Terms and ConditionsYour policyStatement of Demands and NeedsWe are not providing you with a personal recommendation as to whether the Policy is suitable for your specificneeds and it’s your responsibility to make sure that the Policy is right for you.This product meets the demands and needs of those customers who wish to cancel all their lost or stolen cardsin one phone call and covers for the amount of any unauthorised transactions which your card issuer holds youliable to pay.Please read this policy carefully.Your Card Protection insurance has been arranged for you as the primary holder of the Ulster Bank Black Card.This policy sets out the cover that we, the insurer, will provide in return for the premium during the period ofinsurance. It also sets out all the conditions, limits of liability and exclusions that apply to your cover.Your Card Protection Plan policy is provided by Homecare Insurance Limited.DefinitionsUnless the context otherwise provides, where the following words are shown in this document they shallhave the following meanings:11

B3: Handbag and wallet coverWe will pay up to £200 for the cost of replacing personal belongings which are lost or stolen at the same time asthe card while you are away from your home.• We will not pay anything unless:(a) you reported the loss to the police local to where the incident occurred as soon as possible;(b) you have written evidence from the police of making a report (if this evidence is not available, we mustbe satisfied that you reported the matter); and(c) you provide original documentary evidence for the replacement items (for example, replacementreceipts).• We will not pay:– more than one claim per policyholder under this section in each year.– the first £25 of each claim.B4: Paying emergency hotel billsWe will pay your hotel bill up to £3,000 per claim if:(a) you lose your card whilst abroad and report the loss to us; and(b) you do not have any other way of paying the bill.• You must ask us to pay the hotel bill within 48 hours of the time you call us to report the card loss.• You must agree to us contacting a registered credit reference agency to check your credit status beforewe pay the bill. If we are not satisfied with the result of that check, we may refuse to advance youany money.• We will pay the hotel bill direct to the hotel. You must then repay the full amount of the hotel bill to uswithin 28 days.B5: Replacement cashWe will pay the face value of any cash or banknotes which are lost or stolen at the same time as the card whilstyou are abroad.We will not pay anything unless:(a) you have reported the loss to the police local to where the incident occurred as soon as possible; and(b) you have written evidence from the police of making a report (if this evidence is not available, we must besatisfied that you reported the matter).• You must provide original documents to prove that you had the cash or banknotes immediately beforethe loss or theft. For example, ATM receipts, bank statements, Bureau de Change receipts.• We will not pay more than £200 for all claims under this section in each year.B6: Passport and driving licence1) If your passport is lost or stolen while you are abroad, we will:(a) help you to arrange an emergency replacement; and(b) pay any charges you have to pay for the issue of the emergency replacement while you are abroad.2) If your driving licence is lost or stolen while you are abroad, we will pay any charges you have to pay for theissue of a replacement when you return home.• We will not pay anything unless:a) the loss or theft of the passport or driving licence happens and is reported to us at the same timeas the card loss; andb) you have provided original documentary evidence to support your claim (for example, receiptsfrom a Consulate).• We will not pay more than £200 for all claims under this section in each year.B7: Personal itemsIf your personal items are lost or stolen, we will:(a) pay phone or postage costs for anyone who finds them to return them to us;(b) let you know where the items are; and(c) pay any costs you have to pay to get the items back to you.• We will not pay anything unless:– the personal items have been tagged or marked with the identification labels we have provided;and– you have provided original documentary evidence showing the costs you have incurred (forexample, receipts).• You must agree with us beforehand the method of getting the items back to you.• We will not pay more than £200 for all claims under this section in each year.B8: Emergency cashWe will advance you cash up to £3,000 per claim to cover basic living expenses if:(a) you are away from your home; and(b) you have no other way of getting credit or funds.• You must ask us for the emergency advance within 48 hours of the time when you. call us to report thecard loss.• You must agree to us contacting a registered credit reference agency to check your credit status beforecash is provided. If we are not satisfied with the result of that check, we may refuse to advance youany money.• You must repay us in full within 28 days.B9: Replacement travel ticketsWe will advance you up to £5,000 per claim to replace travel tickets so that you can return to your home if:(a) your travel tickets have been lost or stolen from somewhere other than your home at the same time as thecard; and(b) you ask us for replacement travel tickets within 48 hours of the time when you call us to report thecard loss.• You must agree to us contacting a registered credit reference agency to check your credit status beforecash is provided. If we are not satisfied with the result of that check, we may refuse to advance youany money.• You must repay us in full within 28 days.B10: Communication costsWe will pay any communication costs that you have to pay when you report a card loss to us, the police and toany other insurer.You must provide original documentary evidence to support your claim (for example, telephone bills or receipts).We will not pay more than £100 for all claims under this section in each year.B11: Protective registrationIf you tell us you have lost personal documents at the same time as the card, we will register your personaldetails with CIFAS to reduce the risk of your identity being used unlawfully to obtain credit or funds or otherproducts or services. CIFAS is a not-for-profit membership organisation dedicated solely to the prevention offinancial crime in the United Kingdom.Who is coveredPolicies are for the main MasterCard holder and up to four other cardholders. All of these people must live at thesame address and agree that we can release their details to the other policyholders under their policy.The policy covers cards held by the policyholders.We may communicate with any policyholder, and ask their permission, on behalf of the other policyholders, to:• register cards and valuable documents onto a policy;• report a lost card;• make contact with the card issuers;• provide permission for marketing purposes to the main policyholder; or• process a claim.However, we need permission from the main policyholder to amend the main policyholder’s personal details orreport a change of address.Cooling-off periodsRemember that you can cancel the policy at any time. If you decide to cancel, please call us on 0845 301 7629 andwe will cancel your policy immediately.ComplaintsIf at any time you want to tell us about a problem with your policy, please call us on 0845 301 7629 . Or you canwrite to the Complaints Manager at:The Complaints ManagerHomecare Insurance LimitedHolgate ParkYorkYO26 4GA13

We will do our best to answer your query within five working days. If we have not replied to your complaint bythen, we will send you an acknowledgement letter to keep you informed of progress.If you are not happy with our reply, you can take the matter to:The Financial Ombudsman ServiceInsurance DivisionSouth Quay Plaza183 Marsh WallLondonE14 9SRPlease note that the Ombudsman will not be able to help unless you have first taken your complaint to us andyour subsequent appeal is made within 6 months of our final reply.Claims and loss reportingIf your cards are lost or stolen, you must report the incident to us within 24 hours of discovery.If you need to report lost or stolen cards, please call us any time on 0870 600 0459, if you wish to make a claim,please call 0845 301 7629. We will then send you a claim form to fill in and return to us. All claims and supportingdocuments must be received within six months of the date of card. Please remember to include all thedocuments that we ask for, including original receipts (not copies) for any expenses claimed for. If you do not, wewill not be able to process your claim until we have received them. If we have received all the documents that weneed, we aim to process claims within 14 days. If you are unhappy with a decision we have made you have theright to appeal. You must do this within 90 days of the claim decision. If you would like to appeal, please write to:The Appeals TeamHomecare Insurance LimitedHolgate ParkYorkYO26 4GAWho regulates usHomecare Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the FinancialConduct Authority and the Prudential Regulation Authority in the United Kingdom. Homecare’s Firm ReferenceNumber (FRN) is 202880. If you want to check Homecare’s details, you can do this by calling the FinancialConduct Authority on 0800 111 6768 and the Prudential Regulation Authority on 02076 014444 or via theFinancial Conduct Authority website at www.fca.org.uk/register.Consumer ProtectionWe are covered by the Financial Services Compensation Scheme so you may be entitled to compensation if wecannot meet our obligations. Insurance advising and arranging is covered for 90% of the claim, without anyupper limit. Further information about compensation scheme arrangements is available from the FSCS. Contactthem at www.fscs.org.uk or call them on 0800 678 1100 or +44 (0) 20 7741 4100.Recording callsWe record all phone calls to us. We do this to:• provide a record of the instructions we have received from you;• allow us to monitor quality standards;• help us with staff training; and• meet legal and regulatory requirements.All communications and policy documents will be in English unless otherwise agreed.Special needsWe are committed to meeting the needs of all our policyholders, including those with special needs. Letters andother documents are all available on request in Braille or large text or on audio tape. Hearing and speechimpairedpolicyholders who wish to speak to us and have a textphone available can do so by using the RNID’sTypetalk Relay service. This is available 24 hours a day, seven days a week and allows our customers who find thisconvenient to contact us via a Typetalk Operator who will relay instructions and other requests verbally to ourcall centre staff. Please note that to use Typetalk Relay, you must have or be able to get access to a textphone.If so, just dial 18001 and then dial our number; once the call is connected, a Typetalk Operator will join the callto relay your message. Our responses will then appear as text on your textphone. For Typetalk, please call18001 44 1904 544 695. For all other services, including requests for Braille, large print or audio versions of anyof our documents, please call +44 1904 544 695. In all cases, we’ll be happy to help.Data protection notice – your personal detailsWe will use the information you provide to:• manage your card protection policy and provide the benefits described in these terms and conditions; and• process any claim you make in connection with lost or stolen cards.We will record your information on relevant databases and registers for the purposes of crime prevention anddetection. If you make a claim, we may record your information on relevant insurance industry databases andregisters for future claims administration and further fraud prevention and detection purposes, and may shareyour information with other insurers and fraud prevention agencies to prevent fraudulent claims.If you report a lost card to us, we will pass your name and address and the details of the card to the card issuer sothat they can cancel it and provide a replacement.We may ask your card issuers for details of changes in your address and other personal and financial details sothat we can update our records. This may include, but is not limited to, asking for updated or new card numbersor bank account details and for information about changes to any personal contact details (e.g. telephone,mobile phone or fax numbers or email addresses).We may pass your personal information to our approved suppliers so that we can send correspondence to you.To help assess whether you qualify for emergency financial help, we will check your credit rating with acredit-reference agency who will keep a record of this enquiry. Other organisations using the agency may thenuse this information for credit assessments or to trace debtors and prevent fraud.We and our business partners may also use your personal information to contact you about goods and servicesthat might interest you or invite you to take part in market research surveys. You may be contacted either bypost, phone or e-mail for these purposes. If you would prefer this not to happen, please let us know when you callto register your cards, or call us at any time if you change your mind.To avoid contacting you unnecessarily about products you may already have, we will compare your details withinformation on prospect files prepared by our business partners. When we do this we may need to tell your cardissuers that you have a policy with us and disclose enough personal data to enable your card issuers to identifyyou on these files.By taking out this policy you consent that for the better performance of this contract we may transfer your dataoutside the European Economic Area.You have a right to see all the information we hold about you. If you would like to see this information, pleasewrite to:The Compliance ManagerHomecare Insurance LimitedHolgate ParkYorkYO26 4GAPlease note that there will be a separate administration charge for this service.Homecare Insurance Limited (registered in England, number 2793290), registered address: Holgate Park,Holgate Road, York YO26 4GA, United Kingdom. Authorised by the Prudential Regulation Authority andregulated by the Financial Conduct Authority and the Prudential Regulation Authority in the United Kingdom,number 202880.14

PART 3Ulster Bank Black MasterCard – Worldwide Travel InsuranceIntroductionStatement of demands and needsThis product meets the demands and needs of those cardholders who travel abroad and who have been given thispolicy as a benefit of card membership. You have not received any personal recommendations from Ulster Bank.This statement does not form part of the terms and conditions of your policy.Statement of PriceYour Ulster Bank Black Card has an Annual Fee of £250 The services and benefits listed in this document are anintegral part of your Ulster Bank Black Card. There is no separate charge for these services/benefits, they willremain available while you hold an Ulster Bank Black Card. Benefits under the plan are free of all personal taxesunder current law and Inland Revenue practice. Tax law and practice may change in the future. Other taxes mayexist that are not paid via underwriting insurer and/or Ulster Bank Limited or imposed by them or us.Please Note:1. In order to be eligible to receive benefits under this Benefit Schedule for Sections B – M, you must charge100% of the total cost of pre-booked transport and/or accommodation to your covered card, provided this isbooked a minimum of 2 nights in advance.2. In order to be eligible to receive benefits under this Benefit Schedule for Sections N, P – S, you will only becovered if 100% of the total cost has been charged to the covered card:Section N – Rental Car Collision Damage Waiver – cover for vehicles hired with the covered card;Section P – Ticket Cancellation – cover for event ticket(s) purchased with the covered card;Section Q – Theft of Handbag and/or Wallet in Explainable Circumstances – cover for handbag/walletpurchased with the covered card;Section R – ATM Assault – for cash taken from the ATM machine with the covered card, andSection S – Extended Warranty – cover for eligible items purchased with the covered card.All benefit amounts areBENEFIT TABLEper beneficiary per tripunless otherwise notedSection A – Travel AdviceTravel AdviceIncludedSection B – Travel AssistanceMedical AssistanceIncludedCash Advance up to £3,000Lost or Stolen Document AssistanceIncludedMessage RelayIncludedLost Luggage AssistanceIncludedSection C – Cancellation or Curtailment ChargesCancellation or Curtailment or Abandonment in total for all covered persons travelling together up to £12,500Rebooking fees in total for all covered persons travelling together £500Excess per person per incident £50Section D – Missed Departure/Missed Connection– after 4 hours per covered person up to £165– maximum in total for all covered persons travelling together up to £330Section E – Delayed Departure/Abandonment– after 4 hours per covered person up to £165– maximum in total for all covered persons travelling together up to £330Section F – Involuntary Denial of Boarding– after 4 hours per covered person up to £165– up to a maximum in total for all covered persons travelling together up to £330Section G – Baggage Delay and Extended Baggage DelayMaximum payable per incident under this section up to £1,205Baggage Delay, after 4 hours, in total for all covered persons travelling together up to £375Extended Baggage Delay, after 48 hours, in total for all covered persons travelling together up to £830Section H – Emergency Medical and Other Expenses AbroadMedical ExpensesunlimitedRepatriation ExpensesunlimitedEmergency Dental treatment £750Section H – Emergency Medical and Other Expenses Abroad – continuedClose Relative to travel out if hospitalisedup to £150 per day, max.10 days + Economy Flightup to £150 per day, max.10 days + transportExtended Stay of Covered Person/CompanionExcess per person per incident £50Funeral Expenses abroad or Repatriation of Mortal Remains £4,500Section I – Hospital BenefitHospital Benefit, maximum up to £1,800– per day, maximum 30 days up to £60Section J – Personal Belongings and Personal MoneyPersonal belongings, maximum per travelling group up to £4,150– Single Article Limit £500– Valuables Limit in Total £750– Personal Money in total £415– Cash Limit £250– Cash Limit under 16s £100Excess per claim £80Section K – Travel AccidentTravel Accident and Stay Abroad, maximum up to £415,000– Loss of Life, 16 years of age and over £415,000– Permanent Total Disablement up to £415,000– Loss of Life under 5 years of age £10,000– Loss of Life 5 – 15 years of age £20,000Groups covered per incident £1,000,000Section L – Personal LiabilityPersonal Liability £1,250,000Section M – Winter Sports CoverSki Equipment, maximum £830– Owned £830– Hired £400– Single Article Limit £200Excess per person per incident £50Ski Hire, maximum £210– per day £20Ski Pack, maximum per week £80Piste Closure, maximum £200– per day for alternative transport £13– per day compensation if no alternative site available £25Avalanche Closure, maximum £135– per day £20Section N – Rental Car Collision Damage WaiverRental Car Collision Damage Waiver, up to 31 day rental by Cardholder £41,500– minimum claim value £50Section O – Keys and PapersReplacement of keys, locks and personal papers, maximum per 365 day period £250Section P – Ticket CancellationMaximum per event and per 365 day period £400Maximum per ticket £100Section Q – Theft of Handbag and/or Wallet in Explainable CircumstancesHandbag and Wallet Up to £415Excess per claim £50Section R – ATM AssaultMaximum per event and per 365 day period £830Section S – Extended WarrantyLimit per claim and per 365 day period £2,500Minimum purchase price £40Extends the original manufacturer’s warranty by 24 months15

INTRODUCTIONThis document is not a contract of insurance but summarises the benefits provided to you by virtue of yourholding an Ulster Bank Black MasterCard. The provision of those benefits is enabled by an insurance policy held byand issued to Ulster Bank by Inter Partner Assistance (policy number 5531001).Ulster Bank is the only policyholder under the insurance policy and only it has direct rights under the policyagainst the insurer. This agreement does not give you direct rights under the policy of insurance. Strict compliancewith the terms and conditions of this agreement is required if you are to receive its benefit.ELIGIBILITYThe benefits summarised in this document are dependent upon you being a valid Ulster Bank Black MasterCardCardholder at the time of any incident giving rise to a claim. Ulster Bank will give you notice if there are anymaterial changes to these terms and conditions or if the policy supporting the benefits available under thisagreement is cancelled or expires without renewal on equivalent terms.This is your benefit guide and agreement with us. It contains details of benefits, conditions and exclusions relatingto Ulster Bank Black MasterCard Cardholders and is the basis on which all claims you make will be settled.INSURERBenefits under this policy are underwritten by Inter Partner Assistance (IPA), whose registered branch office inIreland is 10/11 Mary Street, Dublin 1, Ireland (company number 906006) and is regulated by the Central Bankof Ireland. IPA is a branch of Inter Partner Assistance SA, a Belgian firm of Avenue Louise, 166 bte1, 1050, Brussels,which is authorised by the National Bank of Belgium and is authorised and subject to limited regulation by theFinancial Conduct Authority (FCA) in the United Kingdom. Details about the extent of the authorisation andregulation by the FCA are available from us on request. Some of the services under the Policy will be provided byAXA Travel Insurance (company number 426087), of the same Ireland address. All companies are members of theAXA Assistance Group.POLICYHOLDERUlster Bank Limited, 11 – 16 Donegall Square East, Belfast BT1 5UB, Northern Ireland, United Kingdom.IMPORTANT INFORMATION1. Claims arising directly or indirectly from any pre-existing medical conditions are not covered.2. The benefits will not cover you when you are travelling against the advice of a medical practitioner (or wouldbe travelling against the advice of a medical practitioner had you sought his/her advice);3. The benefits will not cover you when you are travelling with the intention of obtaining medical treatment orconsultation abroad;4. The benefits will not cover you if you have any undiagnosed symptoms that require attention orinvestigation in the future (that is symptoms for which you are awaiting investigations or consultations, orawaiting results of investigations, where the underlying cause has not been established).5. If injury, illness loss, theft or damage happens you should immediately call AXA Assistance on 0845 301 7629to report a medical emergency, request repatriation, report any loss, theft or damage.6. In the event of curtailment necessitating your early return home you must contact AXA Assistance. Theservice is available to you and operates 24 hours a day, 365 days a year for advice and assistance with yourreturn home. AXA Assistance will arrange transport home when you have notice of serious illness, imminentdemise, or death of a close relative at home.7. In order to be eligible to receive benefits under this Benefit Schedule for Sections B – M, you must charge100% of the total cost of pre-booked transport and/or accommodation to your covered card, provided this isbooked a minimum of 2 nights in advance.8. In order to be eligible to receive benefits under this benefit schedule for Sections N, P – S, you will only becovered if 100% of the total cost has been charged to the covered card:Section N – Rental Car Collision Damage Waiver – cover for vehicles hired with the covered card;Section P – Ticket Cancellation – cover for event ticket(s) purchased with the covered card;Section Q – Theft of Handbag and/or Wallet in Explainable Circumstances – cover for handbag/walletpurchased with the covered card;Section R – ATM Assault – for cash taken from the ATM machine with the covered card, andSection S – Extended Warranty – cover for eligible items purchased with the covered card.9. These benefits and terms and conditions will be governed by and subject to the laws of Northern Irelandunless we have specifically agreed in writing otherwise.10. The maximum age limit for medical benefits in Section H – Emergency Medical and Other Expenses Abroadand Section I – Hospital Benefit and benefits related to a medical condition in Section C – Cancellation andCurtailment Charges is 75 years inclusive.11. You are covered worldwide for trips of 90 consecutive days. The cover is limited to a total of 183 days in any12 month period. Trips must begin and end in the country of residence. Any trip solely within the country ofresidence is only covered where you have pre-booked at least two nights’ accommodation in a hotel, motel,holiday camp, bed and breakfast, holiday cottage or similar accommodation rented for a fee.DEFINITIONSAny word or expression to which a specific meaning has been attached will bear the same meaning throughoutthis Benefit Schedule and is highlighted in bold print.You/your/beneficiary(ies)– the Cardholder and his/her spouse or legal partner (any couple, including same-sex, in a common lawrelationship living permanently at the same address), their children, aged under 25 who are financially dependent(according to the regulations of the country of residence) on the Cardholder, all living in the country of residence.Beneficiaries are covered for benefits when travelling independently of one another with the exception of:Section E – Delayed Departure/Abandonment;Section D – Missed Departure/Missed ConnectionSection J – Personal Belongings and Personal Moneywhere all beneficiaries must be travelling on the trip with and to the same destination as the Cardholder.The maximum age limit for medical benefits in Section H – Emergency Medical and Other Expenses Abroad and Section I– Hospital Benefit and benefits related to a medical condition in Section C – Cancellation and Curtailment Charges is75 years inclusive.We/us/our– Inter Partner Assistance, 10/11 Mary Street, Dublin 1, Ireland and/or Inter Partner Assistance SA (IPA), AvenueLouise, 166 bte1, 1050, Brussels, Belgium and/or AXA Travel Insurance of the same Irish address. All companies aremembers of the AXA Assistance Group.Adverse weather conditions– rain, wind, fog, thunder or lightening storm, flood, snow, sleet, hail, hurricane, cyclone, tornado or tropical storm whichis not caused by or has not originated from a geological or catastrophic event such as but not limited to an earthquake,volcano or tsunami.AXA Assistance– the service provider, arranged by AXA Travel Insurance 10/11 Mary Street, Dublin 1, Ireland (company number426087).Benefit Table– the table listing the benefit amounts set out in this booklet.Bodily injury– an identifiable physical injury caused by a sudden, violent, external, unexpected specific event. Injury as a resultof your unavoidable exposure to the elements shall be deemed to be a bodily injury.Cardholder– the holder of a covered card, the card being valid and the account in good standing at the time of the incident.Close business associate– any person whose absence from business for one or more complete days at the same time as your absenceprevents the proper continuation of that business.Close relative– mother, father, sister, brother, spouse, partner or fiancé/fiancée or Common-Law Partner (any couple, includingsame-sex, in a common law relationship living permanently at the same address) daughter, son (including adopteddaughter or son), grandparent, grandchild, parent-in-law, son-in-law, daughter-in-law, sister-in-law, brother-in-law,step parent, step child, step sister, step brother, foster child, legal guardian, legal ward, of the Cardholder.Country of residence– the country in which you legally reside.Covered card– a Black MasterCard, issued by Ulster Bank, the card being valid, not being in arrears and the account in goodstanding at the time of the incident.Curtailment / curtail– cutting short your trip by returning home due to an emergency authorised by us.Fellow traveller– friends, associates or companions of the Cardholder, each of whom have been invited by the Cardholderand are travelling on the same trip. The fellow traveller is subject to all terms, conditions and exclusions ofthese benefits, as those of a beneficiary, where applicable.16

Home– your normal place of residence in your country of residence.Loss of limb– loss by physical severance, or the total and irrecoverable permanent loss of use or function of, an arm at or abovethe wrist joint, or a leg at or above the ankle joint.Loss of sight– total and irrecoverable loss of sight in one or both eye(s); this is considered to have occurred if the degree of sightremaining after correction is 3/60 or less on the Snellen scale. (This means being able to see at 3 feet or less what youshould see at 60 feet.)Medical condition(s)– any medical or psychological disease, sickness, condition, illness or injury that has affected you or any closerelative, travelling companion or person with whom you intend to stay whilst on your trip.Medical emergency– a bodily injury or sudden and unforeseen illness suffered by you while you are on a trip outside the countryof residence and a registered medical practitioner tells you that you need immediate medical treatment ormedical attention.Medical practitioner– a legally licensed member of the medical profession, recognised by the law of the country where treatment isprovided and who, in rendering such treatment is practising within the scope of his/her licence and training, andwho is not related to you or any travelling companion.Mugging– a violent, threatening attack by an unknown third party causing actual bodily harm.Pair or set– items of personal belongings or valuables forming part of a set or which are normally used together.Period of cover– cover begins for any trip commencing on or after 01/01/2012. Cover will end when the card account is terminatedor when these benefits are cancelled or expire.The period of any trip may not exceed 90 consecutive days. The cover is limited to a total of 183 days outside of thecountry of residence in any 12 month period. Trips must begin and end in the country of residence.Under Section C – Cancellation cover shall be operative from the time you pay for the trip and ceases uponcommencement of your trip. For all other sections of the Benefit Schedule, the benefits commence when you leaveyour home or hotel, or your place of business (whichever is the later) to commence the trip and terminates at thetime you return to your home, hotel or place of business (whichever is the earlier) on completion of the trip.Extension to the period of coverThe period of cover is automatically extended for the period of the delay in the event that your return to yourcountry of residence is unavoidably delayed due to an event covered by this Benefit Schedule.Permanent total disablement– disablement which, having lasted for a period of at least 12 consecutive months from the date of occurrence will,in the opinion of an independent qualified specialist, prevents you from engaging in, or giving any attention to, anybusiness or occupation for the remainder of your life.Personal belongings– baggage, clothing, personal effects, and other articles which belong to you and are worn, used or carried by youduring any trip.Personal money– bank notes, currency notes and coins in current use, travellers’ and other cheques, postal or money orders, prepaidcoupons or vouchers, travel tickets, hotel vouchers, all held for private purposes.Pre-existing medical condition(s)• any past or current medical condition that has given rise to symptoms or for which any form of treatmentor prescribed medication, medical consultation, investigation or follow-up/check-up has been required orreceived during the 2 years prior to the commencement of cover under this policy and/or prior to anytrip: and• any cardiovascular or circulatory condition (e.g. heart condition, hypertension, blood clots, raised cholesterol,stroke, aneurysm) that has occurred at any time prior to commencement of cover under this policy and/orprior to any trip.Public transport– any publicly licensed aircraft, sea vessel, train or coach on which you are booked to travel.Ski equipment– skis (including bindings), ski boots, snowboard boots, ski poles and snowboards.Ski packSki lift pass, ski school fees and hired ski equipment, all pre-paid.Sports and activities– the activities set out in this booklet for which your participation in during your trip is not the sole or main reasonfor your trip.Strike or industrial action– any form of industrial action which is carried out with the intention of stopping, restricting or interfering withthe production of goods or provision of services.Terrorism– an act, including but not limited to the use of force or violence and/or the threat thereof, of any person orgroup(s) of persons, whether acting alone or on behalf of or in connection with any organisation(s) orgovernments, committed for political, religious, ideological or similar purposes including the intention to influenceany government and/or to put the public, or any section of the public, in fear.Trip– any journey made by you worldwide up to 90 consecutive days during the period of cover, for which 100% of thetotal cost of pre-booked transport and/or accommodation has been charged to your covered card, provided this isbooked a minimum of 2 nights in advance.Any trip solely within the country of residence is only covered where you have pre- booked at least two nights’accommodation in a hotel, motel, holiday camp, bed and breakfast, holiday cottage or similar accommodation rented fora fee. Cover for Benefits in Section H – Emergency Medical and Other Expenses Abroad and Section I – Hospital Benefitand Section L – Personal Liability are excluded in the country of residence.Unattended– when you are not in full view of and not in a position to prevent unauthorised interference with your propertyor vehicle.Valuables– jewellery, gold, silver, precious metal or precious or semiprecious stone articles, watches, furs, leather goods,cameras, camcorders, photographic audio video computer television and telecommunications equipment(including CD’s, DVD’s, tapes, films, cassettes, cartridges and headphones), computer games and associatedequipment, telescopes, binoculars, portable DVD players, MP3 and MP4 players and any other item with a purchaseprice of £1,750 or more.EMERGENCY ASSISTANCEContact AXA Assistance on Telephone: 0845 301 7629.In the event of a serious illness or accident which may lead to in-patient hospital treatment, or before anyarrangements are made for repatriation or in the event of curtailment necessitating your early return home or inthe event of an emergency you must contact AXA Assistance (any minor illness or injury costs must be paid for byyou and reclaimed). The service is available to you and operates 24 hours a day, 365 days a year for advice, assistance,making arrangements for hospital admission, repatriation and authorisation of medical expenses. If this is notpossible because the condition requires immediate emergency treatment you must contact AXA Assistance as soonas possible. Private medical treatment is not covered unless authorised specifically by AXA Assistance.Medical Assistance AbroadAXA Assistance has the medical expertise, contacts and facilities to help should you be injured in an accident orfall ill. AXA Assistance will also arrange transport home when this is considered to be medically necessary, or whenyou have notice of serious illness or death of a close relative at home.Payment for Medical Treatment AbroadIf you are admitted to a hospital/clinic while outside the country of residence, AXA Assistance will arrange formedical expenses covered by the policy to be paid direct to the hospital/clinic. To take advantage of this benefitsomeone must contact AXA Assistance for you as soon as possible.For simple out-patient treatment, you should pay the hospital/clinic yourself and claim back medical expensesfrom us on your return to the country of residence. Beware of requests for you to sign for excessive treatment orcharges. If in doubt regarding any such requests, please call AXA Assistance for guidance.17

RECIPROCAL HEALTH AGREEMENTSEUROPEAN UNION (EU), EUROPEAN ECONOMIC AREA (EEA) AND SWITZERLANDBefore travelling to a European Union (EU) country, the European Economic Area (EEA) or Switzerland, werecommend that you apply for a European Health Insurance Card (EHIC) via your local Post Office or onlinewww.ehic.org.uk/Internet/home.do. This card entitles you to certain free or reduced cost health coverarrangements in the EU, EEA or Switzerland.AUSTRALIAWhen you are travelling to Australia and you register for treatment under the national Medicare scheme, Medicareprovides:• free treatment as an in-patient or out-patient at a public hospital;• subsidised medicines under the Pharmaceutical Benefits Scheme; and• benefits for medical treatment provided by doctors through private surgeries and Government HealthCentres (not hospitals).You must enrol at Medicare offices in Australia if you will be receiving treatment. If you receive treatment beforeyou enrol, Medicare benefits can be backdated, if you are eligible. To be eligible you must be a resident of theUnited Kingdom and will need to show your passport with an appropriate visa. If you do not enrol at Medicareoffices we may reject your claim or limit the amount we pay to you. If you need treatment which cannot be carriedout under Medicare you MUST contact our 24 hours Emergency Service before seeking private treatment. If you donot do so, we may reject your claim or limit the amount we pay to you.For more information you should contact: Health Insurance Commission, PO Box 1001, Tuggeranong, ACT 2901,Australia or visit their website at: www.humanservices.gov.auGENERAL CONDITIONSYou must comply with the following conditions to have the full protection of the Benefit Schedule. If you do notcomply we may at our option refuse to deal with your claim, or reduce the amount of any claim payment.1. The maximum age limit for medical benefits in Section H – Emergency Medical and Other Expenses Abroadand Section I – Hospital Benefit and benefits related to a medical condition in Section C – Cancellation andCurtailment Charges is 75 years inclusive.2. You are covered for trips of 90 consecutive days. The cover is limited to a total of 183 days outside of thecountry of residence in any 12 month period. Trips must begin and end in the country of residence.3. You must take all reasonable care and precautions to protect yourself against accident, illness, disease orinjury and to safeguard your property against loss, theft or damage. You must act as if you are not coveredand take steps to minimise your loss as much as possible and take reasonable steps to prevent a furtherincident and to recover missing property.4. In the event of curtailment necessitating your early return home you must contact AXA Assistance. The serviceis available to you and operates 24 hours a day, 365 days a year for advice and assistance with your return home.AXA Assistance will arrange transport home when you have notice of serious illness, imminent demise, ordeath of a close relative in the country of residence.5. You must tell us as soon as possible in the event of an emergency or if you are hospitalised (any minor illnessor injury costs must be paid for by you and reclaimed).6. We ask that you notify us within 28 days of you becoming aware of any incident or loss leading to a claimother than a claim in the above point, and you return your completed claim form and any additionalinformation to us as soon as possible.7. You must report all incidents to the local Police in the country where it occurs and obtain a crime or lostproperty report, which includes an incident number.8. You must not abandon any property for us to deal with or dispose of any damaged items as we may need tosee them.9. You or your legal representatives must supply at your own expense all information, evidence, medical certificates,original invoices, receipts, reports, assistance that may be needed including details of other insurance policies thatmay cover the loss. We may refuse to reimburse you for any expenses for which you cannot provide receipts orbills. Please keep copies of all documents sent to us.10. You must not admit, deny, settle, reject, negotiate or make any arrangement for any claim without ourpermission.11. Tell us and provide full details in writing immediately if someone is holding you responsible for damage to theirproperty or bodily injury to them. You must also immediately send us any writ or summons, letter of claim orother document.12. In the event of a claim and if we require it, you must agree to be examined by a medical practitioner of ourchoice, at our expense. In the event of your death we may also request and will pay for a post-mortemexamination.13. If we provide transportation or settle your claim and as a result you have unused travel ticket(s) you mustsurrender those tickets to us. If you do not we will deduct the amount of those tickets from any amount paidto you.14. We have the right, if we choose, in your name but at our expense to:a) take over the defence or settlement of any claim;b) take legal action in your name to get compensation from anyone else for our own benefit or to get backfrom anyone else any payments that have already been made;c) take any action to get back any lost property or property believed to be lost.15. If you or anyone acting for you in any respect, attempts to gain funds, information or other assets bydeception or any other illegal means, including deliberate misrepresentation or omission of facts in order tomisrepresent the true situation, this policy shall become void. We may inform the police and you must repayto us any amount already received under the policy.16. If we pay any expense for which you are not covered, you must pay this back within one month of our asking.17. We will make every effort to apply the full range of services in all circumstances as shown in your Policybooklet. Remote geographical locations or unforeseeable adverse local conditions may prevent the normalstandard of service being provided.18. We may at any time pay to you our full liability under the Policy after which no further payments will bemade in any respect.19. If at the time of any incident which results in a claim under this Benefit Schedule, there is another insurancecovering the same loss, damage, expense or liability we will not pay more than our proportional share (notapplicable to Section K – Travel Accident).20. If you possess multiple Ulster Bank cards you may only claim and we will only pay up to the highest limit ofthe cards, the benefit values will not be cumulative.GENERAL EXCLUSIONSThese exclusions apply throughout your Benefit Schedule. We will not pay for claims arising directly or indirectly from:1. Any pre-existing medical conditions.2. War, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civilwar, rebellion, terrorism, revolution, insurrection, civil commotion assuming the proportions of or amountingto an uprising, military or usurped power but this exclusion shall not apply to losses under Section H –Emergency Medical and Other Expenses Abroad, Section I – Hospital Benefit and Section K – Travel Accidentunless such losses are caused by nuclear, chemical or biological attack, or the disturbances were alreadytaking place at the beginning of any trip.3. Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste, fromcombustion of nuclear fuel, the radioactive, toxic, explosive or other hazardous properties of any nuclearassembly or nuclear component of such assembly.4. Loss, destruction or damage directly occasioned by pressure waves caused by aircraft and other aerial devicestravelling at sonic or supersonic speeds.5. Your participation in or practice of any sport or activity unless it is shown as covered in the list of Sports andActivities set out in this booklet.6. Your engagement in or practice of: manual work involving the use of dangerous equipment in connection witha profession business or trade, flying except as a fare paying passenger in a fully-licensed passenger-carryingaircraft, the use of motorised two or three wheeled vehicles unless a full driving licence issued in your countryof residence is held permitting the use of such vehicles, professional entertaining, professional sports, racing(other than on foot), motor rallies and motor competitions, or any tests for speed or endurance.7. Any claim resulting from you attempting or committing suicide; deliberately injuring yourself; using any drugnot prescribed by a registered medical practitioner, being addicted to any drugs, or abusing solvents, drugs, oralcohol, or being under the influence of drugs, solvents, or alcohol.8. Self exposure to needless peril (except in an attempt to save human life).9. Any claim resulting from your involvement in a fight except in self-defence.10. Your travel against any health requirements stipulated by the carrier, their handling agents or any otherpublic transport provider.11. Your own unlawful action or any criminal proceedings against you.12. Any claim where you are entitled to indemnity under any other insurance, including any amountsrecoverable from any other source, except in respect of any excess beyond the amount which would havebeen covered under such other Insurance, or any amount recoverable from any other source, had thesebenefits herein not been effected.13. Any other loss, damage or additional expense following on from the event for which you are claiming.Examples of such loss, damage or additional expenses would be the cost incurred in preparing a claim, lossof earnings, loss or costs incurred arising from the interruption of your business, inconvenience, distress, orloss of enjoyment.14. Operational duties as a member of the Armed Forces.15. Your travel to a country or specific area or event to which a government agency in the country of residence orthe World Health Organisation has advised the public not to travel, or which are officially under embargo bythe United Nations.16. Any claim caused by you climbing, jumping or moving from one balcony to another regardless of the heightof the balcony.17. Any costs you would have been required or been expected to pay, if the event resulting in the claim had nothappened.18

18. Any circumstances you are aware of that could reasonably be expected to give rise to a claim on this policy.19. Costs of telephone calls or faxes, meals, taxi fares (with the exception of the taxi costs incurred for the initialjourney to a hospital abroad due to your illness or injury), newspapers, laundry costs, or interpreters’ fees.20. Cover for Benefits in Section H – Emergency Medical and Other Expenses Abroad, Section I – Hospital Benefitand Section L – Personal Liability is excluded in the country of residence.SPORTS AND ACTIVITIESYou are covered under Section H – Emergency Medical and Other Expenses Abroad for the following activitiesprovided your participation in them is not the sole or main reason for your trip. Cover under Section K – TravelAccident and Section L – Personal Liability for those sports or activities marked with * is excluded.*Abseiling*ArcheryBadmintonBaseballBasketballBowlingCamel RidingCanoeing (up to grade/class 2)*Canoeing (up to grade/class 3 to 4)*Clay pigeonshootingCricket*Cross country skiingElephant Riding*Fell running*FencingFishingFootball*Glacier Skiing*Go- KartingGolfHockey*Horse RidingHorse Trekking*Hot air ballooningIce Skating (onrecognised ski rinks)*Jet Biking*Jet SkiingKitesurfingMonoskiing*Mountain bicycling ontarmacNetballOrienteering*PaintballPony TrekkingRacquetballRoad CyclingRoller skatingRoundersRunningSailing (within 20Nautical Miles of thecoastline)*Sailing (Outside 20Nautical Miles of thecoastline)Scuba diving (Unqualifiedand above 18 metres)*Scuba diving (Qualifiedand above 40 metres)*Ski touring*SkidooSkiing (on piste or offpiste with a guide)*SnowbladingSnowboarding (on pisteor off piste with a guide)SnowshoeingSquashSurfingTable TennisTennis*TobogganingTrampoliningTrekking (Up to 4000 metreswithout use of climbingequipment)Volleyball*War gamesWater poloWater SkiingWind SurfingYachting (within 20Nautical Miles of thecoastline)*Yachting (Outside 20Nautical Miles of thecoastline)ZorbingBENEFIT SCHEDULESECTION A – TRAVEL ADVICEWHAT IS COVEREDBefore and during your trip we will provide you with information on:1. preparing for a journey.2. current visa and entry requirements for all countries. If you hold a passport from a country other than thecountry of residence, we may need to refer you to the embassy or consulate of the country concerned.3. current vaccination requirements for all countries and information on current World Health Organisationwarnings.4. customs duties and regulations5. foreign exchange rates and value added taxes.6. referrals to embassies or Consulates.7. weather forecasts abroad.8. specific languages spoken at the travel destination.9. time zones and time differences.SECTION B – TRAVEL ASSISTANCEWHAT IS COVEREDDuring your trip we will:1. assist you with the procurement of a lawyer and/or interpreter and or the advance of any legal orinterpreter’s fees if you are arrested or threatened with arrest while travelling, or are required to deal withany public authority.2. relay messages to your close relatives, business colleagues or friends in your country of residence.3. assist in locating your luggage lost by a common carrier and organise the dispatch of such luggage, ifrecovered, to your location outside of the country of residence. Costs of dispatch, if any, shall be borne by youwithout prejudice of your possible claim against the responsible and/or the travel agent.4. provide an advance of funds up to the amount shown in the Benefit Table, if your covered card is lost or stolenand there are no other means for you to obtain funds. All advances and delivery fees will be charged to yourcovered card account unless other accepted means of repayment to us are made in advance.5. provide you with necessary information and assist you in obtaining replacement travel documents such aspassport, entry visa or airline tickets, from the appropriate local authority if the documents required for the returnjourney are lost or stolen. We will not pay the charges payable for issuing new documents.6. refer you to physicians, hospitals, clinics, ambulances, private duty nurses, dentists, dental clinics, services for thedisabled, ophthalmologists, pharmacies, opticians and suppliers of contact lenses and medical aid equipment.7. replace essential prescription medication which has been lost or stolen, if it, or a local equivalent, isunavailable when you are outside the country of residence. We will bear the costs for dispatch, but all costsof obtaining the medicine will be borne by you. The transportation of medicine remains subject to theregulations imposed by airline companies or any other transportation company, as well as local and/orinternational law.8. in the case of an illness or bodily injury affecting your close relative residing in the country of residence,AXA Assistance will monitor their condition and keep you informed.SPECIAL CONDITIONSAnything mentioned in GENERAL CONDITIONS on set out in this booklet.WHAT IS NOT COVERED1. The cost of any advance or delivery fee.2. Anything mentioned in GENERAL EXCLUSIONS set out in this booklet.SECTION C – CANCELLATION OR CURTAILMENT CHARGESYou SHOULD ALWAYS CONTACT AXA Assistance BEFORE CURTAILMENT Telephone Number 0845 301 7629DEFINITIONS – Applicable to this sectionYou/your/covered person(s)– the beneficiaries, even when travelling without the Cardholder, and a maximum of 5 fellow travellers travellingwith the Cardholder on the same trip outside of the country of residence.WHAT IS COVEREDWe will pay you, up to the amount shown in the Benefit Table per trip for all covered persons for any irrecoverableunused travel and accommodation costs and other pre-paid charges which you have paid or are contracted to paytogether with any reasonable additional travel expenses incurred if;a) cancellation of the trip is necessary and unavoidable; orb) the trip is curtailed before completion;as a result of any of the following changes in circumstances, which is beyond your control, and of which you wereunaware at the time you booked your trip:19

1. unforeseen illness, injury or death of you or a close relative.2. The Police requesting you to remain at or subsequently return home due to serious damage to your home orbusiness caused by fire, aircraft, explosion, storm, flood, subsidence, malicious persons or theft.REBOOKING FEESWe will pay you up to the amount shown in the Benefit Table for rebooking fees if, due to an incident covered bySection C – Cancellation, you chose to rebook your covered holiday instead of cancel.SPECIAL CONDITIONS1. You must obtain a medical certificate from your treating medical practitioner and prior approval of AXAAssistance to confirm the necessity to return home prior to curtailment of the trip due to death, bodily injuryor illness.2. If you delay or fail to notify the travel agent, tour operator or provider of transport/ accommodation, at thetime it is found necessary to cancel the trip, our liability shall be restricted to the cancellation charges thatwould have applied had failure or delay not occurred.3. If you cancel the trip due to bodily injury or illness you must provide a medical certificate from the medicalpractitioner treating the injured/ill person, stating that this necessarily and reasonably prevented youfrom travelling.4. You must contact us to make necessary travel arrangements for you.5. In the event of a claim for curtailment, indemnity will be calculated strictly from the date you return to yourhome in the country of residence.6. Anything mentioned in GENERAL CONDITIONS set out in this booklet.WHAT IS NOT COVERED1. Any claim arising directly or indirectly from any pre-existing medical conditions of you or a close relative.2. The cost of recoverable airport charges and levies.3. Any costs incurred because you did not contact AXA Assistance to make the necessary travel arrangements,immediately when you knew that your trip was to be curtailed.4. Any claim arising directly or indirectly from circumstances known to you prior to the date the date thesebenefits became effective or the time of booking any trip (whichever is the earlier) which could reasonablyhave been expected to give rise to cancellation or curtailment of the trip.5. Any costs paid for using any airline mileage reward scheme, for example Air Miles, or any card bonus pointschemes, any Timeshare, Holiday Property Bond or other holiday points scheme and/or any associatedmaintenance fees.6. Any claim arising from pregnancy or childbirth unless certified by a medical practitioner as necessary due tounforeseen complications which commence after the date these benefits became effective or after bookingany trip, whichever is the later.7. Any costs incurred when you do not get a medical certificate from the treating medical practitioner at yourresort or place of incident, explaining why it is deemed medically necessary to return early to the countryof residence.8. Any claim resulting from your inability to travel due to a covered person’s failure to hold, obtain or producea valid passport or any required visas.9. Anything mentioned in GENERAL EXCLUSIONS set out in this booklet.SECTION D – MISSED DEPARTURE/MISSED CONNECTIONDEFINITIONS – Applicable to this sectionYou/your– the beneficiaries and a maximum of 5 fellow travellers travelling with the Cardholder on the same trip.WHAT IS COVEREDWe will pay you, up to the amount shown in the Benefit Table per trip for all covered persons, for reasonable meals,refreshments, additional accommodation (room only) and travel expenses necessarily incurred in reaching youroverseas destination or connecting flights outside the country of residence if you fail to arrive at the internationaldeparture point in time to board the scheduled public transport on which you are booked to travel on the initialinternational journey of the trip as a result of:1. the failure of other scheduled public transport; or2. an accident to or breakdown of the vehicle in which you are travelling.SPECIAL CONDITIONS1. You must allow sufficient time for the scheduled public transport or other transport to arrive on scheduleand to deliver you to the departure point.2. You must obtain a written report from the carrier confirming the delay and cause.3. You must retain all receipts.4. You must obtain a written report from the police or attending emergency service if the vehicle you aretravelling in breaks down or is involved in an accident.5. You may claim only once under Section E – Delayed Departure/Abandonment or once under Section D –Missed Departure/Missed Connection or once under Section F – Involuntary Denial of Boarding for the sameevent, not twice or all.6. Anything mentioned in GENERAL CONDITIONS set out in this booklet.WHAT IS NOT COVERED1. Strike or industrial action existing or declared publicly by the date these benefits became effective or youbooked your trip (whichever is the earlier).2. An accident to or breakdown of the vehicle in which you are travelling for which a professional repairersreport is not provided.3. Breakdown of any vehicle in which you are travelling if the vehicle is owned by you and has not beenserviced properly and maintained in accordance with manufacturer’s instructions.4. Withdrawal from service (temporary or otherwise) of an aircraft or sea vessel on the recommendation of theAviation Authority or a Port Authority or any similar body in any country.5. Additional expenses where the scheduled public transport operator has offered reasonable alternativetravel arrangements.6. Missed departure when less than a minimum connection time of 2 hours between connecting flights at aninternational point of departure has been arranged or longer if flight reservations systems require longerperiods for connections.7. Any expenses when reasonable alternative travel arrangements have been made available within 4 hours ofthe scheduled departure time or within 4 hours of an actual connecting flight arrival time.8. Anything mentioned in GENERAL EXCLUSIONS set out in this booklet.SECTION E – DELAYED DEPARTURE/ABANDONMENTDEFINITIONS – Applicable to this sectionYou/your– the beneficiaries and a maximum of 5 fellow travellers travelling with the Cardholder on the same trip.WHAT IS COVEREDIf departure of the scheduled public transport on which you are booked to travel is delayed at the final departurepoint from or to the country of residence for at least 4 hours from the scheduled time of departure due to:a) strike or industrial action orb) adverse weather conditions orc) mechanical breakdown of or a technical fault occurring in the scheduled public transport on which you arebooked to travelwe will pay you, either:1. up to the amount shown in the Benefit Table after a minimum of 4 hours delay, up to a maximum of theamount shown in the Benefit Table for covered persons travelling together, for reasonable meals,refreshments and additional accommodation (room only); or2. up to the amount as shown in the Benefit Table for Section C – Cancellation for any irrecoverable unusedtravel and accommodation costs and other pre-paid charges for all covered persons which you have paid orare contracted to pay if after a minimum of 24 hours delay, you choose to cancel your trip.SPECIAL CONDITIONS1. You must check in according to the itinerary supplied to you.2. You must obtain confirmation from the carriers (or their handling agents) in writing of the number of hoursof delay and the reason for the delay.3. You must comply with the terms of contract of the travel agent, tour operator or provider of transport.4. You may claim only once under Section E – Delayed Departure/Abandonment or once under Section D –Missed Departure/Missed Connection or once under Section F – Involuntary Denial of Boarding for the sameevent, not twice or all.5. Anything mentioned in GENERAL CONDITIONS set out in this booklet.WHAT IS NOT COVERED1. Strike or industrial action or air traffic control delay existing or publicly declared by the date these benefitsbecame effective or you booked your trip (whichever is the earlier).2. Withdrawal from service (temporary or otherwise) of an aircraft or sea vessel on the recommendation of theAviation Authority or a Port Authority or any similar body in any country.3. Anything mentioned in GENERAL EXCLUSIONS set out in this booklet.SECTION F – INVOLUNTARY DENIAL OF BOARDINGDEFINITIONS – Applicable to this sectionYou/your– the beneficiaries and a maximum of 5 fellow travellers travelling with the Cardholder on the same trip.WHAT IS COVEREDIf you have checked-in, or attempted to check in, for a confirmed scheduled flight, within the published check-in times,and you are involuntarily denied boarding as a result of overbooking, we will pay your costs incurred in respect ofrestaurant meals and refreshments consumed after a minimum of 4 hours delay and your actual departure time, up tothe amount shown in the Benefit Table per trip for all covered persons.20

SPECIAL CONDITIONS1. You may claim only once under Section E – Delayed Departure/Abandonment or once under Section D – MissedDeparture/Missed Connection or once under Section F – Involuntary Denial of Boarding for the same event, nottwice or all.2. Anything mentioned in GENERAL CONDITIONS set out in this booklet.WHAT IS NOT COVERED1. Any costs or charges for which the airline will compensate you;2. Any costs or charges incurred where seat bumping was not involuntary and/or on a mandatory basis.3. Any claims where written proof from the airline is not obtained confirming your inability to travel throughover-booking and the period of delay until your next available flight is confirmed.4. Anything mentioned in GENERAL EXCLUSIONS set out in this booklet.SECTION G – BAGGAGE DELAY AND EXTENDED BAGGAGE DELAYDEFINITIONS – Applicable to this sectionYou/your– the beneficiaries and a maximum of 5 fellow travellers travelling with the Cardholder on the same trip.WHAT IS COVEREDBAGGAGE DELAYWe will pay you up to the amount shown in the Benefit Table in total for all covered persons travelling together,for Baggage Delay for the emergency replacement of clothing, medication and toiletries if the checked in baggagecontaining personal belongings is temporarily lost in transit during the outward journey and not returned to youwithin 4 hours of your arrival.EXTENDED BAGGAGE DELAYWe will pay you up to the amount shown in the Benefit Table in total for all covered persons travelling together,for Extended Baggage Delay if the checked in baggage has still not arrived at your destination airport within 48hours of your arrival.If the loss is permanent the amount paid will be deducted from the final amount to be paid under Section J –Personal Belongings and Personal Money.SPECIAL CONDITIONS1. Written confirmation must be obtained from the carrier, confirming the number of hours the baggage wasdelayed.2. All amounts are only for real expenses in excess of any compensation paid by the carrier.3. The amounts shown in the Benefit Table the total for each delay irrespective of the number of coveredpersons travelling together.4. Claims will be considered only for the purchase of essential clothing and toiletries and only if such purchasesare made within 4 days of actual arrival at destination and are charged to the covered card account. If thecovered card could not be used for the essential purchases, itemised receipt for these purchases must beretained.5. No reimbursement will be made if purchases were made after the luggage was returned.6. All itemised receipts must be retained.7. Cover only applies to your outbound trip outside of the country of residence.8. Anything mentioned under Section J – Personal Belongings and Personal Money, Special Conditions set out inthis booklet.9. Anything mentioned in GENERAL CONDITIONS set out in this booklet.WHAT IS NOT COVERED1. Anything mentioned under Section J – Personal Belongings and Personal Money, What is not covered set outin this booklet.2. Anything mentioned in GENERAL EXCLUSIONS set out in this booklet.SECTION H – EMERGENCY MEDICAL AND OTHER EXPENSES ABROADDEFINITIONS – Applicable to this sectionYou/your/covered person(s)– the beneficiaries, even when travelling without the Cardholder, and a maximum of 5 fellow travellers travellingwith the Cardholder on the same trip outside of the country of residence.WHAT IS COVEREDWe will pay the following costs, up to the amount shown in the Benefit Table, for each covered person who sufferssudden and unforeseen bodily injury or illness, or who dies during a trip outside the country of residence.1. All reasonable and necessary expenses which arise as a result of a medical emergency involving you. This includesmedical practitioners’ fees, hospital expenses, medical treatment and all the costs of transporting you to thenearest suitable hospital, when deemed necessary by a recognised medical practitioner.2. Emergency dental treatment for the immediate relief of pain and/or emergency repairs to dentures orartificial teeth solely to relieve distress in eating.3. With the prior authorisation of AXA Assistance, additional travelling costs to repatriate you to your homewhen recommended by our Chief Medical Officer, including the cost of a medical escort if necessary.Repatriation expenses will be in respect only of the identical class of travel utilised on the outward journeyunless AXA Assistance agrees otherwise.4. Up to the amount shown in the Benefit Table per night for 10 nights for reasonable accommodationexpenses incurred, up to the standard of your original booking, if it is medically necessary for you to staybeyond your scheduled return date. This includes, with the prior authorisation of AXA Assistance, up to theamount shown in the Benefit Table per night for reasonable additional accommodation expenses for afriend or close relative to remain with you and escort you home. If you and your friend or close relative areunable to use the original return ticket, AXA Assistance will provide additional travel expenses up to thestandard of your original booking to return you to your home.5. Economy class transport and up to the amount shown in the Benefit Table per night for 10 nights’accommodation expenses for a close relative from the country of residence to visit you or escort you to yourhome if you are travelling alone and if you are hospitalised as an in-patient for more than 10 days, with theprior authorisation of AXA Assistance.6. In the event of your death the reasonable additional cost of funeral expenses abroad plus the reasonablecost of conveying your ashes to your home, or the additional costs of returning your remains to your homeup to the amount shown in the Benefit Table.SPECIAL CONDITIONS1. You must give notice as soon as possible to AXA Assistance of any bodily injury or medical conditionwhich necessitates your admittance to hospital as an in-patient or before any arrangements are made foryour repatriation.2. You must contact AXA Assistance as soon as possible in the event of you incurring medical expenses inexcess of £500 relating to any one incident. You must always contact AXA Assistance before curtailingyour trip.3. In the event of your bodily injury or medical condition we reserve the right to relocate you from one hospitalto another and arrange for your repatriation to the country of residence at any time during the trip. We willdo this if in the opinion of the medical practitioner in attendance or AXA Assistance you can be moved safelyand/or travel safely to the country of residence to continue treatment.4. Anything mentioned in GENERAL CONDITIONS set out in this booklet.WHAT IS NOT COVERED1. The Policy Excess. You are responsible for the first £50 per claim.2. Any claim arising directly or indirectly from any pre-existing medical conditions.3. Any treatment which is not a surgical or medical procedure with the sole purpose of curing or relieving acuteunforeseen illness or injury.4. Any expenses which are not usual, reasonable or customary to treat your bodily injury or illness.5. Any form of treatment or surgery which in the opinion of our Chief Medical Officer can be delayedreasonably until your return to the country of residence.6. Expenses incurred in obtaining or replacing medication, which at the time of departure is known to berequired or to be continued outside the country of residence.7. Additional costs arising from single or private room accommodation.8. Treatment or services provided by a private clinic or hospital, health spa, convalescent or nursing home or anyrehabilitation centre unless agreed by AXA Assistance.9. Treatment costs for cosmetic reasons unless our Chief Medical Officer agrees such treatment is necessary asa result of an accident covered by this Policy.10. Any expenses incurred after you have returned to the country of residence unless previously agreed to byAXA Assistance.11. Expenses incurred as a result of a tropical disease where you have not had the recommended inoculations orvaccinations and/or taken the recommended medication.12. Any costs you incur outside the country of residence after the date our Chief Medical Officer tells you youshould return home or we arrange for you to return home. (Our liability to pay further costs under thissection after that date will be limited to what we would have paid if your repatriation had taken place.)13. You must not unreasonably refuse the medical repatriation services we agree to provide and pay for underthis Policy. If you choose alternative medical repatriation services without reasonable grounds for doing so,which we have accepted in writing, it will be at your own risk and own cost.14. The cost of flight tickets exceeding economy class for an accompanying non-medical escort in the event ofmedical repatriation (any increase in cost due to requested upgraded flight tickets must be at the personalexpense of the person(s) travelling).15. Any claim arising from pregnancy or childbirth unless certified by a medical practitioner as necessary due tounforeseen complications which arise after you commence your trip.21

16. Any treatment or diagnostic testing that was pre-planned or pre-known by you.17. The cost of dental treatment involving the provision of dentures, artificial teeth or the use of precious metals.18. Costs incurred in the United States that exceed the average reimbursement the medical service providerreceives for all services rendered to its patients for like treatment, but in any event no more than one and ahalf times the rate that would be applicable if the costs were payable by US Medicare.19. Costs of telephone calls, other than calls to AXA Assistance notifying them of the problem for which you areable to provide a receipt or other evidence to show the cost of the call and the number telephoned.20. Costs incurred in obtaining or replacing medication, which at the time of departure is known to be requiredor to be continued outside the country of residence.21. Air-sea rescue costs.22. Anything mentioned in GENERAL EXCLUSIONS set out in this booklet.SECTION I – HOSPITAL BENEFITDEFINITIONS – Applicable to this sectionYou/your– the beneficiaries, even when travelling without the Cardholder, and a maximum of 5 fellow travellers travellingwith the Cardholder on the same trip outside of the country of residence.WHAT IS COVEREDHOSPITAL BENEFITIf we accept a claim under Section H – Emergency Medical and Other Expenses Abroad, we will also reimburse youup to the amount shown in the Benefit Table for incidental expenses (such as telephone line rental, televisionrental and visitor taxi journeys) for each continuous 24 hour period that you have to spend in hospital as anin-patient outside the country of residence.SPECIAL CONDITIONS1. You must give notice as soon as possible to AXA Assistance of any bodily injury or medical condition whichnecessitates your admittance to hospital as an in-patient.2. You must report the mugging to the Police as soon as possible and obtain from them a written report ofthe incident.3. Anything mentioned in GENERAL CONDITIONS set out in this booklet.WHAT IS NOT COVERED1. Any claims arising directly or indirectly from:a) any additional period of hospitalisation relating to treatment or surgery, including exploratory tests, which arenot directly related to the bodily injury or medical condition which necessitated your admittance into hospital.b) any additional period of hospitalisation relating to treatment or services provided by a convalescent ornursing home or any rehabilitation centre.c) any additional period of hospitalisation following your decision not to be repatriated after the date whenin the opinion of AXA Assistance it is safe to do so.2. Anything mentioned in GENERAL EXCLUSIONS set out in this booklet.SECTION J – PERSONAL BELONGINGS AND PERSONAL MONEYWHAT IS COVEREDPERSONAL BELONGINGSWe will pay you up to the amount shown in the Benefit Table for all beneficiaries travelling together duringa trip, for:1. the accidental loss of, theft of or damage to personal belongings in checked in baggage; or2. the theft of personal belongings.The amount payable will be the value at today’s prices less a deduction for wear, tear and depreciation, (or we mayat our option replace, reinstate or repair the lost or damaged personal belongings). The maximum we will pay forany one article, pair or set of articles is equal to the Single Item Limit shown in the Benefit Table. The maximumwe will pay for all valuables in total is equal to the valuables limit shown in the Benefit Table.PERSONAL MONEYWe will pay you up to the amounts shown in the Benefit Table for the accidental loss of, theft of or damage topersonal money.We will pay you up to the amounts shown in the Benefit Table for cash limit for bank notes, currency notes andcoins and up to the Cash Limit for under 16’s if you are under the age of 16.SPECIAL CONDITIONS1. All receipts must be retained.2. You must report all incidents of loss, theft, or attempted theft of personal belongings to the local Policewithin 24 hours of discovery and obtain a written report. A Holiday Representatives Report is not sufficient.3. For items damaged whilst on your trip you must obtain an official report from an appropriate local authority.4. If personal belongings are lost, stolen or damaged while in the care of a carrier, transport company, authorityor hotel you must report to them, in writing, details of the loss, theft or damage and obtain an official reportfrom an appropriate local authority. If personal belongings are lost, stolen or damaged whilst in the care ofan airline you must:a) obtain a Property Irregularity Report from the airline.b) give formal written notice of the claim to the airline within the time limit contained in their conditionsof carriage (please retain a copy).c) retain all travel tickets and tags for submission if a claim is to be made under the Benefit Schedule.5. You must provide an original receipt or proof of ownership for items lost, stolen or damaged to help you tosubstantiate your claim.6. Receipts for items lost, stolen or damaged must be retained as these will help you to substantiate your claim.7. Payment will be made based on the value of the property at the time it was damaged, lost or stolen.A deduction will be made for wear, tear and loss of value depending on the age of the property.8. Anything mentioned in GENERAL CONDITIONS set out in this booklet.WHAT IS NOT COVERED1. The Policy Excess. You are responsible for the first £80 per claim.2. Loss, theft of or damage to valuables or personal money left unattended at any time (including in a vehicleor in the custody of carriers) unless deposited in a hotel safe or locked safety deposit box.3. Loss, theft of or damage to personal belongings contained in an unattended vehicle:a) overnight between 9pm and 8am (local time); orb) at any time between 8am and 9pm (local time) unless it is in the locked boot which is separate from thepassenger compartment for those vehicles with a boot, or for those vehicles without a separate bootlocked in the vehicle and covered from view;and evidence of forcible and violent entry to the vehicle confirmed by a police report.4. Loss or damage due to delay, confiscation or detention by customs or other authority.5. Loss, theft of or damage to cheques other than travellers cheques, money, postal or money orders, pre-paidcoupons or vouchers, travel tickets, credit/debit or charge cards.6. Loss, theft of or damage to unset precious stones, contact or corneal lenses, eye glasses, hearing aids, dentalor medical fittings, cosmetics, antiques, musical instruments, deeds, manuscripts, securities, perishable goods,bicycles and damage to suitcases (unless the suitcases are entirely unusable as a result of one singleincidence of damage).7. Loss or damage due to cracking, scratching, breakage of or damage to china, glass (other than glass in watchfaces, cameras, binoculars or telescopes), porcelain or other brittle or fragile articles unless caused by fire, theft, oraccident to the aircraft, sea vessel, train or vehicle in which they are being carried.8. Loss or damage due to breakage of sports equipment or damage to sports clothing whilst in use.9. Claims which are not supported by the original receipt, proof of ownership or insurance valuation (obtainedprior to the loss) of the items lost, stolen or damaged.10. Loss, theft of or damage to tools of trade, motor accessories and other Items used in connection with yourbusiness, trade, profession or occupation.11. Loss or damage caused by wear and tear, depreciation, deterioration, atmospheric or climatic conditions,moth, vermin, any process of cleaning repairing or restoring, mechanical or electrical breakdown orliquid damage.12. Loss or damage due to depreciation in value, variations in exchange rates or shortages due to error or omission.13. Claims arising from loss or theft from your accommodation unless there is evidence of forced entry which isconfirmed by a police report.14. Claims arising from damage caused by leakage of powder or liquid carried within personal effects or baggage.15. Claims arising from loss, theft or damage of personal belongings shipped as freight or under a bill of lading.16. Anything mentioned in GENERAL EXCLUSIONS set out in this booklet.SECTION K – TRAVEL ACCIDENTWHAT IS COVEREDWe will pay you, up to the amount shown in the Benefit Table, if you sustain bodily injury between the homepoint of departure and the destination or on the return journey whilst on public transport which has been chargedto your covered card, which shall solely and independently of any other cause, result within one year in your death,loss of limb, loss of sight or permanent total disablement.SPECIAL CONDITIONS1. Our medical practitioner may examine you as often as may be reasonably necessary prior to paying a claim.2. The benefit is not payable under permanent total disablement, until one year after the date you sustainbodily injury.3. The benefit is not payable to you under more than one of the items shown in the Benefit Table.4. Anything mentioned in GENERAL CONDITIONS set out in this booklet.PROVISIONSThe benefit is not payable to you:221. Under more than one of the items shown in the Benefit Table.

2. Under Permanent Total Disablement, until one year after the date you sustain bodily injury.3. Under Permanent Total Disablement, if you are able or may be able to carry out any gainful employment orgainful occupation.WHAT IS NOT COVERED1. Any claim arising directly or indirectly from any pre-existing medical conditions.2. Anything mentioned in GENERAL EXCLUSIONS set out in this booklet.SECTION L – PERSONAL LIABILITYDEFINITIONS – Applicable to this sectionYou/your– the beneficiaries, even when travelling without the Cardholder, and a maximum of 5 fellow travellers travellingwith the Cardholder on the same trip outside of the country of residence.WHAT IS COVEREDWe will pay up to the amount shown in the Benefit Table, against any amount you become legally liable to pay ascompensation for any claim or series of claims arising from any event occurring during a trip outside of thecountry of residence, in respect of accidental:1. Bodily injury, death, illness or disease to any person who is not in your employment or who is not a relative, closerelative or member of your household.2. Loss of or damage to property that does not belong to and is neither in the charge of or under the control ofyou, a relative, close relative, anyone in your employment or any member of your household other than anytemporary holiday accommodation occupied (but not owned) by you.SPECIAL CONDITIONS1. You must give us written notice as soon as possible of any incident, which may give rise to a claim.2. You must forward every letter, writ, summons and process to us as soon as you receive it.3. You must not admit any liability or pay, offer to pay, promise to pay or negotiate any claim without ourwritten consent.4. We will be entitled if we so desire to take over and conduct in your name the defence of any claims forindemnity or damages or otherwise against any third party. We shall have full discretion in the conduct ofany negotiation or proceedings or in the settlement of any claim and you shall give us all necessaryinformation and assistance which we may require.5. In the event of your death, your legal representative(s) will have the protection of the Benefit Scheduleprovided that such representative(s) comply(ies) with the terms and conditions outlined in this document.6. Anything mentioned in GENERAL CONDITIONS set out in this booklet.WHAT IS NOT COVERED1. Compensation or legal costs arising directly or indirectly from:a) Liability which has been assumed by you under agreement unless the liability would have attached inthe absence of such agreement.b) Pursuit of any business, trade, profession or occupation or the supply of goods or services.c) Ownership, possession or use of vehicles, aircraft or watercraft (other than surfboards or manuallypropelled rowboats, punts, canoes).d) The transmission of any communicable disease or virus.e) Ownership or occupation of land or buildings (other than occupation only of any temporary holidayaccommodation where we will not pay for the first £250 of each and every claim arising from thesame incident).f) Your criminal, malicious or deliberate acts.2. Anything mentioned in the GENERAL EXCLUSIONS set out in this booklet.SECTION M – WINTER SPORTS COVERDEFINITIONS – Applicable to this sectionYou/your– the beneficiaries, even when travelling without the Cardholder, and a maximum of 5 fellow travellers travellingwith the Cardholder on the same trip outside of the country of residence.WHAT IS COVEREDSKI EQUIPMENTWe will pay you up to the amount shown in the Benefit Table, for the accidental loss of, theft of or damage to yourown ski equipment, or for hired ski equipment. The amount payable will be the value at today’s prices less adeduction for wear tear and depreciation, (or we may at our option replace, re-instate or repair the lost ordamaged ski equipment). The maximum we will pay for any one article, pair or set of articles is shown in theBenefit Table.SPECIAL CONDITIONS1. Our liability for ski equipment hired by you shall be further limited to your liability for such loss or damage.2. Anything mentioned under Section J – Personal Belongings and Personal Money, Special Conditions set out inthis booklet.3. Anything mentioned in GENERAL CONDITIONS set out in this booklet.WHAT IS NOT COVERED1. Anything mentioned under Section J – Personal Belongings and Personal Money, What is not covered set outin this booklet.2. Personal ski equipment which is more than 3 years old.3. Theft from motor vehicles.4. Anything mentioned in GENERAL EXCLUSIONS set out in this booklet.SKI HIREWe will pay you up to the amount shown in the Benefit Table, for the reasonable cost of hiring replacement skiequipment as a result of the accidental loss of, theft of or damage to your own or hired ski equipment.SPECIAL CONDITIONS1. Anything mentioned in GENERAL CONDITIONS set out in this booklet.WHAT IS NOT COVERED1. Theft from motor vehicles.2. Anything mentioned in GENERAL EXCLUSIONS set out in this booklet.SKI PACKWe will pay you up to the amount shown in the Benefit Table for the unused portion of your ski pack (ski school fees,lift passes and hired ski equipment) that you contracted to pay before the trip commenced, following your bodilyinjury or illness.SPECIAL CONDITIONS1. You must provide written confirmation from a medical practitioner that such bodily injury or illnessprevented you from using your ski pack.2. You must provide confirmation that no refund is available for the unused ski pack elements.3. Anything mentioned in GENERAL CONDITIONS set out in this booklet.WHAT IS NOT COVERED1. Pre-existing medical conditions.2. Anything mentioned in GENERAL EXCLUSIONS set out in this booklet.PISTE CLOSUREIf you are prevented from skiing at the pre-booked resort for more than 24 consecutive hours, because insufficientsnow or adverse weather causes a total closure of the lift system (other than baby drags and lifts used fortransport within the resort by non-skiers), we will pay you up to the amount shown in the Benefit Table for thecost of transport and lift pass charges for travel to and from an alternative site (excluding cross country skiing).If no alternative sites are available we will pay you a cash benefit up to the amount shown in the Benefit Table.SPECIAL CONDITIONS1. Cover only applies to the resort which you have pre-booked at least one nights’ accommodation and for solong as such conditions prevail at the resort, but not exceeding the pre-booked period of your trip anda) For Trips taken during the period 15th December to 15th April in the northern hemisphere (both datesinclusive).b) For Trips taken during the period 15th May to 15th October in the southern hemisphere (both datesinclusive).2. You must obtain written confirmation from the resort management of the piste conditions confirming theclosure of facilities and the dates applicable.3. Anything mentioned in GENERAL CONDITIONS set out in this booklet.WHAT IS NOT COVERED1. Anything mentioned in GENERAL EXCLUSIONS set out in this booklet.AVALANCHE CLOSUREIf access to and from the ski resort is blocked or scheduled public transport services are cancelled or curtailedfollowing avalanches or landslides we will pay up to the amount as shown in the Benefit Table for reasonableextra accommodation and travel expenses.SPECIAL CONDITIONS1. Cover only applies to the resort which you have pre-booked at least one nights’ accommodation (two in thecountry of residence) and for so long as such conditions prevail at the resort anda) For Trips taken during the period 15th December to 15th April in the northern hemisphere (both datesinclusive).b) For Trips taken during the period 15th May to 15th October in the southern hemisphere (both datesinclusive).23

2. You must obtain written confirmation from the resort management of the piste conditions confirming theclosure of facilities and the dates applicable.3. Anything mentioned in GENERAL CONDITIONS set out in this booklet.WHAT IS NOT COVERED1. Anything mentioned in GENERAL EXCLUSIONS set out in this booklet.SECTION N – RENTAL CAR COLLISION DAMAGE WAIVERDEFINITIONS – Applicable to this sectionRental vehicle– passenger vehicles authorised to use public roads (passenger cars, estate cars and vans, authorised to carry up tonine people) hired on a daily or weekly basis from an authorised rental agency or hire car firm, which was paid forin full with your covered card. Benefit cover is granted for the duration specified in the rental agreement, but notmore than 31 days. Loss Damage Waiver is only valid for rental vehicles rented and driven outside of the countryof residence.Rental vehicle insurance– the primary insurance held by a licensed car rental agency or company in respect of the rental vehicle coveringrisks such as third part liability, or theft of the rental vehicle.You/your/driver– the Cardholder being the named first driver in the rental agreement, and any fellow traveller travelling withthe Cardholder named on the original rental agreement as an authorised driver, all being at least 21 and less than80 years of age and in possession of a valid driver’s license valid for the class of rental vehicle.WHAT IS COVEREDWe will pay up to the amount shown in the Benefit Table to indemnify you if the licensed rental agency orcompany holds you responsible for costs arising from:1. material damage to the rental vehicle during the period of hire resulting from damage, fire, vandalism, or theftof the rental vehicle, including its tyres or glass;2. any claim from the rental company for subsequent loss of revenue whilst the rental vehicle is unavailable forhire as a result of such damage or loss.SPECIAL CONDITIONS1. No cover will apply to any driver who:a) does not hold a valid driving license for the class of rental vehicle being driven (such licence issued in thecountry of residence or in the country issuing the driver’s passport);b) has more than three convictions for speeding or has collected more than nine points on their drivinglicence within the five years prior to the trip;c) has any conviction (or pending conviction) for driving whilst under the influence of a drug or drugs;d) has had a conviction (or pending conviction) for drink driving, within the last two years;e) has been suspended (or is awaiting prosecution) for dangerous driving;f) is under 21 or over 79 years of age;g) violates the conditions of the rental agreement.2. No cover under will apply in respect of the following types of rental vehicle:a) mopeds and motorbikes; commercial vehicles, trucks, motor homes, and vehicles not licensed for road useincluding but not limited to trailers or caravans;b) rental vehicles with a retail purchase price exceeding £41,500 (or local currency equivalent);c) rental vehicles being used for reward, motor racing, rallies, speed, endurance tests, or practising forsuch events.3. The driver will be covered when renting only one passenger car at any one time.4. Benefit cover is granted for the duration specified in the rental agreement, but not more than 31 days.5. Revolving or lease type contracts are not covered.6. Anything mentioned in GENERAL CONDITIONS set out in this booklet.WHAT IS NOT COVERED1. Any claim value under £50 for each incident that you claim for.2. We will only pay in excess of any insurance which is included in the rental agreement or any other insurance thatyou hold which covers the same incident.3. Mopeds and motorbikes, commercial vehicles, trucks, motor homes and vehicles not licensed for road useincluding but not limited to trailers and caravans.4. Vehicles used off-road, in or in training for racing competitions, trials rallies or speed testing.5. Loss and/or damage to vintage cars over 20 years old, or cars that have not been manufactured for at least10 years.6. Loss and/or damage to vehicles whose value exceeds the amount stated in the Benefit Table.7. Loss and/or damage resulting from failure of any person to observe the maintenance and operatinginstructions supplied with the rental vehicle.8. Loss and/or damage caused by wear and tear, insects or vermin.9. Loss and/or damage arising from the rental vehicle being employed for a purpose other than that stated inthe rental agreement.10. Any costs where you admit liability, negotiate, make and promise or agree any settlement.11. Any fines and punitive damages.12. Anything mentioned in GENERAL EXCLUSIONS set out in this booklet.SECTION O – KEYS AND PAPERSDEFINITIONS – Applicable to this sectionAssault– any threat or physical violence committed by a third party (a person other than a close relative) with theintention of depriving you of your covered card including keys and/or personal papers.Key(s)– keys to the Cardholders home and vehicle.Lock(s)– Permanently fitted or built in, key-operated, security devices to external doors and garage doors located withinyour home. This also includes doors, immobilisers and/or alarms fitted to your vehicle.Personal papers– your passport, national identity card, driving licence and vehicle registration documents.Vehicle– a legal and roadworthy, private motor car, motor bike and/or motor home, registered in your name at yourpermanent home address.You/your– the Cardholder.WHAT IS COVEREDWe will pay up to the amount as shown in the Benefit Table for costs you sustain in replacing your keys,including locks, and/or your personal papers if you are assaulted and the keys and/or personal papers are takenat the same time as your covered card.SPECIAL CONDITIONS1. You must report the theft to the police within 12 hours of the assault specifying the theft of the covered cardas well, and obtain a crime reference number and a lost property reference number along with the addressand telephone number of the police station.2. You must notify Ulster Bank of the theft of the covered card in order to stop payment.3. Anything mentioned in GENERAL CONDITIONS set out in this booklet.WHAT IS NOT COVERED1. Any claim amount in excess of our maximum claim limit.2. Any non-domestic locks or keys.3. Claims as a result of theft of a key which belongs to a vehicle not registered to the Cardholder.4. Claims where relevant documentation is not provided.5. Any costs other than the replacement cost of the key(s), lock(s) and/or personal papers.6. Costs or payments recoverable from any party under the terms of any other guarantee, warranty,or insurance.7. Lock(s) that were already damaged prior to the key(s) being stolen.Anything mentioned in GENERAL EXCLUSIONS set out in this booklet.SECTION P – TICKET CANCELLATIONDEFINITIONS – Applicable to this sectionEvent ticket– any pre-paid concert, theatre, sporting event or amusement park booked in advance and charged to the coveredcard for use by you.You/your– the Cardholder, his/her spouse or legal partner (any couple, including same-sex, in a common law relationshipliving permanently at the same address), and his/her children, step-children and adopted children, aged under 25,who are dependent on the Cardholder (according to the regulations of the country of residence).WHAT IS COVEREDWe will reimburse the Cardholder up to £100 per ticket and up to a maximum of £400 per event and in any 365day period, for event tickets (up to the purchase price printed on the ticket) that you are unable to use due to:1. bodily injury, medical condition or death of you or a close relative; or2. theft of or accident involving your motor vehicle causing it to be unroadworthy within 48 hours of the event;or3. burglary, flood or fire damage occurring to your home requiring you to remain at the home; or24

4. delayed departure of more than 2 hours or cancellation of public transport used to reach the event whereyou would have reached the public event in due time should the delay in departure not have occurred.SPECIAL CONDITIONS1. You must provide a medical certificate from a medical practitioner confirming that the medical condition orbodily injury was serious and prevented you from attending the event, which must be confirmed by ourmedical practitioner.2. As soon as you are aware of an incident which will result in your inability to attend the event, you mustnotify us immediately and return the event tickets to us within 72 hours of the incident and latest 48 hoursafter the ticketed event by registered letter.3. You must provide proof of the theft, breakdown or accident involving your vehicle or the vehicle or publictransport in which you were travelling.4. You must provide proof from local authorities of the incident involving your home.5. Anything mentioned in GENERAL CONDITIONS set out in this booklet.WHAT IS NOT COVERED1. When the event is cancelled by the organisers.2. Any event which you could reasonably attend.3. Any event tickets which were reserved, booked or purchased after a medical condition, which would not becovered by this insurance, existed.4. Claims arising directly or indirectly from any pre-existing medical conditions.5. Strike or industrial action affecting the public transport existing or declared publicly before the event date.6. Service fees associated with reserving / purchasing the tickets.7. Season Tickets.8. Anything mentioned in GENERAL EXCLUSIONS set out in this booklet.SECTION Q – THEFT OF HANDBAG AND/OR WALLET IN EXPLAINABLE CIRCUMSTANCESDEFINITIONS – Applicable to this sectionHandbag/wallet– your handbag, satchel, briefcase, wallet, purse or card holder wallet, all purchased new by you.Theft– any action committed by a third person (a person other than a close relative) with the dishonest intention todeprive you of your handbag/wallet.WHAT IS COVEREDWe will pay you, up to the amount shown in the Benefit Table, for the theft in explainable circumstances of yourhandbag/wallet. The amount payable will be the value at today’s prices less a deduction for wear tear anddepreciation. The maximum we will pay is shown in the Benefit Table.SPECIAL CONDITIONS1. All receipts must be retained.2. You must report all incidents of theft of your handbag/wallet to the local Police within 12 hours of discoveryand obtain a written report which includes an incident number.3. You must provide an original receipt or proof of ownership for items stolen to help you to substantiateyour claim.4. Payment will be made based on the value of the property at the time it was stolen. A deduction will be madefor wear, tear and loss of value depending on the age of the property.5. Anything mentioned in GENERAL CONDITIONS set out in this booklet.WHAT IS NOT COVERED1. The Policy Excess. You are responsible for the first £50 per claim.2. Theft of any items left unattended at any time.3. Claims which are not supported by the original receipt, proof of ownership or insurance valuation (obtainedprior to the loss) of the stolen items.4. Claims which are not supported by a local police report specifying the theft of your handbag/wallet.5. Items over 5 years of age.6. Claims arising from theft from your accommodation unless there is evidence of forced entry which isconfirmed by a police report.7. Loss or disappearance of your handbag/wallet, except as a result of theft;8. Your forgetfulness or carelessness.9. Theft of the contents of your handbag/wallet.10. Anything mentioned in GENERAL EXCLUSIONS set out in this booklet.SECTION R – ATM ASSAULTDEFINITIONS – Applicable to this sectionAssault– any threat or physical violence committed by a third party (a person other than a close relative) with theintention of depriving you of your covered card and cash.WHAT IS COVEREDWe will pay up to the amount shown in the Benefit Table if you are assaulted and the cash that you have withdrawnfrom an ATM with the covered card and the covered card are taken from you within 6 hours of the withdrawal.SPECIAL CONDITIONS1. You must report the assault to the local Police within 24 hours of the attack/robbery and obtain a writtenreport which includes an incident number and specifies the theft of the covered card.2. You must report the incident to AXA Assistance within 72 hours of the attack/robbery.3. You must provide proof of the amount, date and time of the covered withdrawal.4. In the event of an assault you must provide medical reports or an official statement from a witnessdescribing the circumstances of the assault, dated and signed, with the full name of the witness, date andplace of birth, address and employment, together with an official document justifying the witness’ identityand signature, such as passport or driving licence.5. Anything mentioned in GENERAL CONDITIONS set out in this booklet.WHAT IS NOT COVERED1. Any cash that is withdrawn before 6 hours of the time of the assault and/or not withdrawn using thecovered card.2. Anything mentioned in GENERAL EXCLUSIONS set out in this booklet.SECTION S – EXTENDED WARRANTYDEFINITIONS – Applicable to this sectionBrown goods– audio and video equipment including televisions (LCD and plasma), DVD players/recorders, home cinemaprojectors, HiFi systems, MP3 players, iPods, cameras, video cameras, GPS systems.Eligible item– a brown good or a white good with a minimum purchase price of £40 including VAT, purchased new by yousolely for personal use, which has been charged fully (100%) to your covered card, in a store located in the countryof residence (other than a Duty-Free Zone) or via an Internet site where the sales company is registered in thecountry of residence and the item is meant for use in the country of residence market and is not listed as an itemwhich is not covered. The manufacturer must provide an original warranty of no less than 24 months in respect ofthe eligible item in the country of purchase.Extended warranty period– the period commencing on the day following the day on which the original manufacturer’s warranty (which is ofno less than 24 months) expires and ending 24 months thereafter.Mechanical breakdown– an internal malfunction of an eligible item which would have been covered by the terms of the originalmanufacturer’s warranty, which is due solely to a defect in material or workmanship and which results in a failureof the eligible item to operate for the purpose for which it was designed.White goods– electrical household appliances including washing machines, tumble/washer dryers, dishwashers, cookers, ovens,refrigerators, vacuum cleaners, clothes-irons, toasters, electric toothbrushes.WHAT IS COVEREDYou are covered for repair costs of an eligible item after mechanical breakdown during the extended warrantyperiod.Repair expenses will be paid up to the original purchase price paid for the eligible item, up to the limit shown inthe Benefit Table. If repair expenses exceed the original purchase price paid, we will replace the eligible item withan equivalent model of similar specification with a value of no more than the original purchase price, up to thelimit shown in the Benefit Table. If no equivalent model of similar specification is available, you will be creditedwith an amount equal to the original purchase price, up to the limit shown in the Benefit Table. The maximumpaid per 365 day period is as shown in the Benefit Table.Where an eligible item is part of a pair or a set, cover will extend only to the eligible item in respect of which therehas been a mechanical breakdown and not to the rest of the pair or set.25

IN THE EVENT OF A CLAIMIf an eligible item breaks down, please call AXA Assistance, giving your name, covered card number, eligible itembrand and model and the breakdown date.We will confirm that the eligible item is covered and you will be directed to an authorised service centre. We willalso send you a claim form. Please retain the repair receipt from the service centre specifying the mechanicalbreakdown and price for repair. Claim forms and all documentation must be sent to us within 90 days of the repairdate. All payments to be made by us will be made to you. We may appoint an expert or investigator to assess thecircumstances of the claim and the amount to be paid to you.SPECIAL CONDITIONS1. Only electrical household products with well-known brand names, with original manufacturer’s warrantiescan be considered.2. You must keep the original sales receipt from store, original of card receipt, original of account statementshowing the transaction was paid in full with the covered card and the original manufacturer’s warranty card.3. Extended Warranty only covers mechanical breakdown – repair expenses if your product breaks down after themanufacturer’s original warranty has expired.4. You must use the service centre authorised by us for the assessment and/or repair of the eligible item.5. If we replace the eligible item, the item becomes our property and the replacement item will not benefitfrom cover under these benefits.6. Anything mentioned in GENERAL CONDITIONS set out in this booklet.WHAT IS NOT COVERED1. Non-electrical items.2. Items without a serial number.3. Boats, automobiles, motorboats, airplanes, or any motorized vehicles &/or their integral parts.4. Mobile telephones.5. Electric gardening tools.6. Boilers or furnaces.7. Communication and computing items also described as ‘Grey Goods’ – (such as desktop PCs, laptops,monitors, photocopiers, fax machines, scanners, game consoles, modems, notebooks, tablets and iPads).8. Genuine goods sold through unauthorized channels in direct competition with authorized distributors.9. Items which do not have an original manufacturer’s warranty valid in the country of residence.10. Items which do not have a country of residence specification or that are not available in the countryof residence.11. Items not bought as new, or modified, rebuilt or refurbished items.12. Items which are purchased for resale.13. Items that are specified by supplier as a consumable item or items that shall be thrown away after usage,included, but not limited to bulbs, fuses, batteries, filters, belts, bags and printing cartridges.14. Installation expenses or changes on an item.15. Cleaning expenses, including, but not limited to filter on a washing machine, video and cassettes.16. The cost of rectifying blockages (except in the cooling system of refrigeration equipment).17. Costs incurred in disposing of an item.18. Any costs incurred in gaining access for repair to any appliance that has been incorporated into fitted units.19. Expenses linked to supplier’s withdrawal of a product.20. Expenses linked to rebuild.21. Items used for business, professional or commercial purposes.22. Items permanently affixed to the home or office.23. Expenses linked to repairs caused by routine service, inspections or installations, or call out charges and otherexpenses where an authorised repairer cannot find any fault with the item.24. Computer software and other accessories to computers not fully assembled by the manufacturer.25. Damage caused by not following the supplier’s manual, instructions or installations, or the use ofunapproved accessories.26. Corrosion.27. Damage caused by mistreatment or carelessness.28. Lightning, storm or flood.29. Expenses due to supplement equipment.30. Expenses due to repairs not performed by workshops approved by us.31. Any costs other that those specifically covered under the terms of the original manufacturer’s writtenrepair warranty.32. Anything mentioned in GENERAL EXCLUSIONS set out in this booklet.CLAIMS PROCEDURE1. Please read the appropriate section in the benefits to see exactly what is, and is not covered, notingparticularly any conditions, limitations and exclusions.2. Making a claim.a) In the event of an emergency you should first call AXA Assistance on telephone 0845 301 7629 (anyminor illness or injury costs must be paid for by you and reclaimed).b) For all other claims telephone our Claims Helpline on 0845 301 7629 to obtain a claim form. You will needto give:– your name,– your covered card number,– brief details of your claim.Alternatively you can email our Claims Helpline on MasterCardClaimsGBR@axa-travel-insurance.com Youwill need to provide:– your name,– your covered card number,– your address including the postcode,– the section under which you wish to make a claim.We ask that you notify us within 28 days of you becoming aware of an incident or loss leading to a claim andyou return your completed claim form and any additional information to us as soon as possible.3. Additional Information.You must supply all of your original invoices, receipts and reports etc. You should check the section underwhich you are claiming for any specific conditions and details of any supporting evidence that you mustgive us.It is always advisable to keep copies of all the documents that you send to us.4. Claims Handling Agents.To help us agree a quick and fair settlement of a claim, it may sometimes be necessary for us to appoint aclaims handling agent.COMPLAINTS PROCEDUREYou can write to the Quality Manager, who will arrange an investigation on behalf of the General Manager, at:Inter Partner Assistance SA, The Quadrangle, 106-118 Station Road, Redhill, Surrey RH1 1PR, United Kingdom ortelephone +44 (0)1737 815227.If it is impossible to reach an agreement, you may have the right to make an appeal to the Financial OmbudsmanService by writing to: Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR, United Kingdom.Or you can phone 0800 023 4567 or 0300 123 9 123 from a mobile. Website: www.financial-ombudsman.org.ukThese procedures do not affect your right to take legal action.Cancellation of CoversA) The cardholder has a 14 day cancellation period. If these benefits do not meet the Cardholder’s requirements,the Cardholder may cancel the Card during the 14 day period or at any other time by contacting 0845 301 7629.If the Cardholder does not exercise the right to cancel the cover under the Policy the cover will continue untilthe end of cover is terminated.B) Cover in respect of a Cardholder shall terminate automatically in the following circumstances:• in the event of non renewal or withdrawal of the Card or any of the benefits included in the Card andrelating to that Cardholder, by the Policyholder; or• in the event of non renewal or cancellation of the Policy.USE OF YOUR PERSONAL DATAIn using these benefits you also agree we may:a) disclose and use information about you and your benefits – including information relating to your medicalstatus and health – to companies within the AXA Assistance Group of companies worldwide, our partners,service providers and agents in order to administer and service your benefits, process and collect relevantpayments and for fraud prevention;b) undertake all of the above within and outside the European Union (EU). This includes processing yourinformation in countries in which data protection laws are not as comprehensive as in the EU. However, wehave taken appropriate steps to ensure the same (or equivalent) level of protection for your information inother countries as there is in the EU; and26

c) monitor and/or record your telephone calls in relation to cover to ensure consistent servicing levels andaccount operation.We use advanced technology and well defined employee practices to help ensure that your information isprocessed promptly, accurately and completely and in accordance with applicable data protection law.If you want to know what information is held about you by the AXA Assistance Group, please write to:AXA Travel Insurance, Data Protection Officer, The Quadrangle, 106-118 Station Road, Redhill RH1 1PRThere may be a charge for this service, as permitted by law. Any information which is found to be incorrectwill be corrected promptly.COMPENSATION SCHEMEInter Partner Assistance is a member of the Financial Services Compensation Scheme (FSCS). The FSCS is a safety netfor customers of financial services firms should they not be able to meet their liabilities and you may be entitledto claim compensation in such event. Further information can be obtained from the FSCS.Their contact details are Financial Services Compensation Scheme, 10th Floor, Beaufort House, 15 St Botolph Street,London EC3A 7QU, United Kingdom. Call: 0800 678 1100 or 020 7741 4100. Website: www.fscs.org.ukPART 4MasterCard Travel Assistance Programme– Service DescriptionPlease read it very carefully and keep it always available.The Covered Person is invited to refer to the full service descriptions of thisprogramme listed within this document.TO COMPLY WITH THE SERVICE DESCRIPTIONS AND IN ORDER TO RECEIVE BENEFITS UNDER THISPROGRAMME, THE COVERED PERSON MUST CONTACT THE ASSISTANCE SERVICE PROVIDER VIA THENUMBER BELOW AS SOON AS A CLAIM OR POTENTIAL CLAIM OCCURS. IN ANY EVENT, THE COVEREDPERSON MUST CONTACT THE ASSISTANCE SERVICE PROVIDER FOR INCURRING EXPENSES OVER £175 ORAS SOON AS PHYSICALLY POSSIBLE, IN ORDER TO OBTAIN PRIOR AUTHORISATION BY THE ASSISTANCESERVICE PROVIDER.In a medical emergency please call: 0845 301 7629Giving the Covered Person’s name, Ulster Bank Black Card Card number and as much other informationas possible. Please give the Assistance Service Provider a telephone, fax or telex number where he/shecan be contacted.All emergency services are open 24 hours a day, 365 days a year.1. DEFINITIONSIn this Programme the following expressions shall have the following meanings (for the purpose of thisProgramme, the use of the masculine gender always includes the use of the feminine gender):ABROAD means:Outside your Country of residence;CARD means:an Ulster Bank Black Card issued by Ulster Bank;CLOSE RELATIVE means: Husband, Spouse or common law partner civil partner, mother, father, mother-inlaw,father-in-law, daughter, son (including adopted daughter or son),grandfather, grandmother, grandson, granddaughter, brother, sister, brother-inlaw,sister-in-law or fiancé (e) of the Covered Person;COVERED PERSON means: The Cardholder and his spouse or her husband or common law partner, hisfiscally dependent children under 25 years of age, living in the Country;COUNTRY means:The country where the Ulster Bank Black Card has been issued;HOME means:The principal place of residence in the Country;MEDICAL TEAM means: The medical structure appropriate to the medical event as determined by theAssistance Service Provider’s Chief Medical officer;MEDICAL TREATMENT means: A surgical or medical procedure, the sole aim of which is the treatment of acuteillness or injury;2. GENERAL TERMS AND CONDITIONS2.1 VALIDITY OF THE CARDThe benefits of this Programme will be denied if the validity of the Card is rightly contested by the Issuer.2.2 BEHAVIOUR OF THE COVERED PERSONThe Covered Person should take all the necessary steps to avoid claims having to be made or in order tokeep them to a minimum.2.3 PROCEDURE OBLIGATION TO INFORM THE ASSISTANCE SERVICE PROVIDERIn order to receive benefits under the Programme, the Covered Person must contact the Assistance ServiceProvider (on page 1 of this document) as soon as a claim or potential claim occurs. In any event, the CoveredPerson must contact the Assistance Service Provider for incurring expenses over £175 or as soon asphysically possible, in order to obtain prior authorisation by the Assistance Service Provider.2.4. COVERAGEEvery Covered Person is covered even if travelling separately. The Covered Person is covered world-wide,during an unlimited number of private or business trips Abroad, each of maximum 90 consecutive days,starting and ending in the Country. The coverage is however limited to a total of 183 days spent outside thecountry of residence in any period of 12 months.27

2.5. LIMITATIONSThe use of duplicate or multiple Cards will not obligate the Covered Person, the Issuer or the AssistanceService Provider for an amount in excess of the highest limit applicable to any of the Covered person’sCards for expenses incurred by any Covered Person as the result of any individual incident which is coveredunder the terms and conditions of the insurance provided for the Cards.2.6 PERIOD OF COVERAGEThe coverage under the Programme starts from the date given in the letter in which the Issuer approvesthe request for the Card until the moment when the Card, for whatever reason, is terminated.2.7. COMMITMENT OF THE ASSISTANCE SERVICE PROVIDERThe Assistance Service Provider will make every effort to provide the full range of services in all thecircumstances here prescribed. Remote geographical locations or unforeseen adverse circumstances maypreclude the provision of the usual level of assistance, but in all cases in which such difficulties occur, thefull money benefits will apply, subject to the terms and condition of the Programme.2.8. SUBROGATION.The Assistance Service Provider is entitled to take over the rights of the Covered Person in defence ofsettlement of a claim or in order to take steps against another party, for his own benefit. In such matters,the Assistance Service Provider will have complete freedom to act as he sees fit. The Assistance ServiceProvider can at all times pay the Covered Person the full sum for which he is liable, in accordance with theProgramme, after which the Assistance Service Provider will have no further liability in respect of, or as aresult of, such action.2.9. DISPOSAL OF UNUSED TRAVEL TICKETSIn the event of repatriation of the Covered Person, any possible unused travel tickets will be put at thedisposal of the Assistance Service Provider upon its request.2.10. EXCLUSION OF THE COVERED PERSONAny fraud, forgery or false evidence on the part of the Covered Person shall automatically end theobligations of the Assistance Service Provider to provide that Covered Person with the Services on thatparticular occasion.2.11. REIMBURSMENT – CHARGESIn all the situations in which the Assistance Service Provider advances money on behalf of the CoveredPerson, the Assistance Service Provider shall be entitled to charge said advances directly to the CoveredPerson’s Card account. The Assistance Service Provider is entitled to add an administrative charge of 3%with a minimum of £10 to each advance processed. In any circumstances, the Covered Person will beobliged to reimburse costs for which the Assistance Service Provider is not responsible, within one monthof being requested to do so.2.12. MEDICAL EMERGENCYA physical injury sustained, or sudden and unforeseen illness suffered, by the Covered Person whilsttravelling outside the country of issuing which results in immediate in-patient or out-patient treatmentbeing deemed necessary by a recognized medical practitioner.2.13. GOVERNING LAW AND JURISDICTIONThe Programme will be governed by and clarified in accordance with the Law of Belgium as the law of thecountry of the Assistance Service Provider. All disputes shall be submitted to the exclusive jurisdiction ofthe Courts of Brussels, Belgium.3. Benefits Under The Programme3.1. Travel Assistance3.1.1 PRE-TRAVEL INFORMATIONUpon request by the Covered Person, the Assistance Service Provider will provide information prior to theCovered Person’s trip about the following items:– Information for preparing a journey;– Information on visas, passports;– Information on inoculation requirements for foreign travel;– Information on customs and duty regulations;– Information on foreign exchange rates and value added taxes;– Referrals to Embassies or Consulates.3.1.2 UNEXPECTED RETURN TO THE COUNTRYIn the event of severe damage to the Covered Person’s Home, or in case of serious medical conditions ordeath of a Close Relative in the Country, requiring the unscheduled return of the Covered Person, theAssistance Service Provider will organise and bears the costs of for such unscheduled return, if the originalticket held by the Covered Person is not valid for that purpose.If necessary and upon request by the Covered Person, the Assistance Service Provider will liaise with theCovered Person’s health or travel insurer, if any, so as to allow a direct settlement of the expenses by suchhealth insurer.3.1.3 REPLACEMENT OF THE COVERED PERSONIn case of illness or physical injury which, in the opinion of the Medical Team, prevents the Covered Personto continue his duties i.e. the original reasons for a planned business trip Abroad, the Assistance ServiceProvider will organise and bear the costs for a return ticket for a colleague of the Covered Person who willtake over the tasks originally assigned to the Covered Person.If necessary and upon request by the Covered Person, the Assistance Service Provider will liaise with theCovered Person’s health or travel insurer, if any, so as to allow a direct settlement of the expenses by suchhealth insurer.3.1.4 TRANSMISSION OF URGENT MESSAGESUpon request by the Covered Person, the Assistance Service Provider will transmit to any person named bythe Covered Person any urgent message related to any emergency occurring during a trip Abroad.3.1.5 ADMINISTRATIVE ASSISTANCEIn case of loss or theft of essential travel documents such as passport, entry visa, Airline ticket, theAssistance Service Provider will provide the Covered Person with the necessary information and assist himwith regards to the formalities to be fulfilled with appropriate local authorities in order to obtain thereplacement of such lost or stolen documents.3.1.6 ADVANCE OF FUNDSThe Assistance Service Provider will advance or guarantee payment up to £5,750 , on behalf of the CoveredPerson, in order to cover immediate expenses in an unexpected emergency situation where the Cardcannot be used for payment, following a loss or theft duly reported to the appropriate public authoritiesand the Issuer or the person assigned by the Issuer.If necessary, the above-mentioned limit shall be extended with the prior authorisation by the Issuer. In anycase, the Covered Person or any person acting on his behalf shall sign an IOU (I owe You) prior to anyadvance or guarantee by the Assistance Service Provider.The Assistance Service Provider shall be entitled to ask for the reimbursement of the sums advanced,subject to article 2.11, as soon as the Covered Person returns to his Country and within a maximum of3 months from the date of advance or guarantee by the Assistance Service Provider.3.1.7 RETRIEVAL AND RE-ROUTING OF LUGGAGEIn the event of loss or misrouting of the Covered Person’s luggage by a common carrier, the AssistanceService Provider will liase with the relevant entity, such as an airline company, and will organise thedispatch of such luggage, if recovered, to a place where the Covered Person is staying. Costs of dispatch, ifany, shall be borne by the Covered Person without prejudice of its possible claims against the responsibleand/or the travel agent.3.1.8 DISPATCH OF REPLACEMENT PERSONAL ITEMSFollowing damages to, loss or theft of the Covered Person’s personal items, including forgotten items, thatare essential to the continuation of the journey, such as but not limited to contact lenses, glasses...and withthe exception of any documents whether private or business related, the Assistance Service Provider willorganise and pay for the dispatch of such replacement items to the place where the Covered Person is staying.This service will be provided upon the condition that either the Assistance Service Provider is permitted andgiven access to such replacement items or, that such replacement items are delivered to the AssistanceProvider’s office as indicated by the Assistance Service Provider to the Covered Person or his representative.3.2 Medical Assistance3.2.1 EMERGENCY MEDICAL REFERRALThe Medical Team will provide the initial response to a Covered Person’s request for medical assistance. TheMedical Team will record the Covered Person’s request and will advise the Covered Person regarding theimmediate steps the Covered Person should take. The Medical Team will not make a diagnosis but, at theCovered Person’s request and expense, will arrange for an appropriate diagnosis by a personal visit with aphysician, with payment by the Covered Person at the time of such visit, or by making an appointment forthe Covered Person with an appropriate medical facility, with payment by the Covered Person.3.2.2 ADVANCE OF MEDICAL EXPENSES COVERAGE OUTSIDE THE COUNTRY OF RESIDENCEIn case of hospital admission following illness or physical injury or outpatient medical treatment whiletravelling Abroad, the Assistance Service Provider will advance medical expenses up to the amount coveredby the Covered Persons travel insurance, if indeed it covers hospitalisation. (subject to terms and conditionsissued by the insurer of such benefit).Should the coverage be denied and/or should any exclusion prevent the other insurer to cover anyhospitalisation benefit, the Assistance Service provider shall advance and pay directly any healthcareprovider as part of the Advance of Fund benefit as described in 4.1.6.28

3.2.3 MEDICAL EVACUATION/REPATRIATIONShould the Covered Person suffer physical injury or illness such that the Medical Team and the attendingphysician recommend hospitalisation, the Assistance Service provider will arrange for:a. The transfer of the Covered Person into one of the nearest hospitals, andb. If necessary on medical grounds,i. The transfer of the Covered Person to a hospital more appropriately equipped for the particularinjury or illness, orii. The direct repatriation, to an appropriate hospital or other health care facility near his Home, if hismedical condition permits such repatriation.The Assistance Service Provider’s Medical Team and attending physician will determine whether theCovered Person’s medical conditions permit repatriation as a regular passenger or whether otherarrangements are necessary under the circumstances.Payment of this benefit should be covered by the Insurer underwriting the hospitalisation benefits underthe Covered Persons travel insurance policy (subject to terms and conditions issued by the insurer of suchbenefit). Should the coverage be denied and/or should any exclusion prevent the other insurer to coversuch benefit, the Assistance Service provider shall advance all costs associated with this benefit as part ofthe Advance of Fund benefit as described in 3.1.6.3.2.4 REPATRIATION AFTER MEDICAL TREATMENTUpon the Covered Person’s discharge from the local hospital where he had been admitted, the AssistanceService Provider shall arrange and bear the costs for the repatriation of the Covered Person to his Home asa regular passenger when such travel is possible, according to the medical opinion of both the treatingphysician and the Assistance Service Provider’s Medical Team. The Assistance Service Provider shall makesuch other arrangements as may be necessary according to the Covered Person’s medical condition.If necessary and upon request by the Covered Person, the Assistance Service Provider will liaise with theCovered Person’s health or travel insurer, if any, so as to allow a direct settlement of the expenses by suchhealth insurer.3.2.5 EMERGENCY VISITShould the Covered Person be hospitalised as a result of a physical injury or illness and if recommendedbased on medical grounds by the Medical team, the Assistance Service Provider will organise and bear thecosts for a return ticket (“economy” class, starting in the Country) as well as reasonable accommodation forany person requested by the Covered Person and residing in the Country.3.2.6 HOTEL ROOM FOR CONVALESCENCEThe Assistance Service Provider will organise accommodation for the Covered Person for the sole purposeof convalescence immediately following his discharge from the hospital and if deemed medically necessaryby both the treating physician and the Medical Team. The daily rate is limited to £140 The Medical Teamshall determine the duration required for the convalescence with the local attending physician.If necessary and upon request by the Covered Person, the Assistance Service Provider will liaise with theCovered Person’s health or travel insurer, if any, so as to allow a direct settlement of the expenses by suchhealth insurer.3.2.7 REPATRIATION OF MORTAL REMAINSUpon the death of a Covered Person, the Assistance Service Provider will make all the necessaryarrangements (including any activities necessary to meet official formalities), for the repatriation of theCovered Person’s body or ashes to the place of burial in the Country, with the exclusion of funeral andburial expenses.Payment of this benefit be covered by the Insurer underwriting the hospitalisation benefits under theCovered Persons travel insurance policy (subject to terms and conditions issued by the insurer of suchbenefit). . Should the coverage be denied and/or should any exclusion prevent the other insurer to coversuch benefit, the Assistance Service provider shall advance all costs associated with this benefit as part ofthe Advance of Fund benefit as described in 3.1.6.3.2.8 RETURN OF CHILDREN LEFT UNATTENDEDFollowing the Covered Person’s hospitalisation and/or transportation as stated in 3.2.3 and 3.2.6, theAssistance Service Provider will organise and bear the costs of the return to the Country of any child underthe age of 15 (fifteen) years who was travelling with the Covered Person, provided that the original ticketheld by the said child is not valid for that purpose.If necessary and upon request by the Covered Person, the Assistance Service Provider will liaise with theCovered Person’s health or travel insurer, if any, so as to allow a direct settlement of the expenses by suchhealth insurer.3.2.9 MEDICAL MONITORING OF THE COVERED PERSON’S CLOSE RELATIVEIn case of an illness or a bodily injury affecting a Covered Person’s Close Relative residing in the Country, theMedical Team will monitor the condition of the said Close Relative and keep the Covered Person informed.3.2.10 DISPATCH OF ESSENTIAL MEDICINEIn case of medical necessity duly ascertained by the Medical Team, the Assistance Service Provider willdispatch essential medicine duly prescribed to the Covered Person and locally unavailable, or willdetermine, prescribe, obtain, and dispatch an equivalent medicine available locally. The Assistance ServiceProvider will bear the costs for dispatching.In any case, the cost of such medicine will be borne by the Covered person.The transportation of the medicines remains subject in any case to the regulations at the time imposed bythe airline companies or any other transportation company, as well as local and/or international law.3.2.11 SPECIFIC EXCLUSIONS REGARDING THE MEDICAL ASSISTANCEThe Programme does not offer any coverage with regard to:a. Claims arising from trips undertaken by the Covered Person against the advice of a medical practitioneror with the aim of undergoing medical treatment Abroad.b. Claims arising directly or indirectly from a medical condition which already existed within six monthspreceding the trip, unless a practitioner has given specific written confirmation of the Covered Person’sfitness to travel, before his departure.c. Claims arising from a medical condition for which the Covered Person has received in-patienttreatment in the last 12 months, or for which the Covered Person is on a hospital waiting list, or forwhich he has received a terminal prognosis unless a practitioner has given specific writtenconfirmation of the Covered Person’s fitness to travel, before his departure.d. Claims arising directly or indirectly from medical treatment Abroad, planned or known about in advance.3.3. Legal Assistance3.3.1 LEGAL FEESIn the event of an accident occurring while travelling Abroad, the Assistance Service Provider will:a. Provide for the defence of the Covered Person in legal proceedings against him for civil liability in forcein the country, andb. Conduct proceedings in order to obtain an indemnity from an identified third party for the CoveredPerson following personal injury and/or damages to his personal belongings if such damages areestimated to be in excess of Two Hundred and Ten GBP (£210).In all such cases, the counsel and/or lawyer appointed by the Assistance Service Provider shall act in a legalcapacity for the Covered Person without any recourse to, responsibility of, indemnification by the AssistanceService Provider by reason of its appointment of counsel and/or lawyer.The Assistance Service Provider up to a limit of Six Thousand Two Hundred and Seventy GBP (£6,270) willsettle the counsel and/or lawyer’s fees.3.3.2 ADVANCE OF BAILBONDThe Assistance Service Provider will deposit up to Twenty Seven Thousand Eight Hundred and Thirty FiveGBP (£27,835) on behalf of the Covered Person, as security required from him in order to guarantee:a. The payment of the fees for the procedures, with exclusion of the deposits required for covering thecivil liabilities, fines or personal indemnities to be paid by the Covered Person , and/orb. The release of the Covered Person in the event of his being detained following a road accidentSuch deposit shall be considered as a loan made by the Assistance Service Provider to the Covered Personwho shall refund the Assistance Service Provider, subject to article 2.11, of the total amount advanced assoon as reimbursed to him in case of no suit or acquittal, or within 15 days from the decision of the courtcondemning the Covered Person and, in any case, within 3 months from the date of deposit by theAssistance Service Provider.The Assistance Service Provider shall advance the amounts associated with this benefit as part of theAdvance of Fund benefit as described in 3.1.6.4. GENERAL EXCLUSIONSThere will be no Benefits paid under this Programme in respect of/or for:4.1. Claims arising from circumstances, which were known, to the Covered Person before the commencementof the trip,4.2. Losses, damage or costs which, at the time when they occur, are insured under another existing certificate,or which would have been insured under it if the Programme had not existed.4.3. Costs that would have been payable if the incident, which is the subject of the claim, had not occurred.4.4. Consequential losses, of any sort, other than those, which are expressly mentioned in the terms andconditions of the Programme.4.5. Any wilful act on the part of the Covered Person.29

4.6. Suicide or insanity on the part of the Covered Person, wilful self-harm, alcoholism, drugs addiction, or theuse of solvents or being under the influence of alcohol or drugs.4.7. Loss, damage, death, injury, illness, invalidity or costs brought about by war, invasion, the actions of a foreignenemy, hostilities (whether war has been declared or not), terrorist activity, civil war, rebellion, revolution,insurrection, military or usurped power, or participation in internal commotion or riot, of any sort.4.8. Legal liability, of any sort, caused directly or indirectly by or arising from:i) Ionising radiation or contamination by radioactivity from other radioactive waste from the combustionof nuclear fuel.ii) The radioactive, poisonous, explosive, or other dangerous properties of an explosive nuclear assembly ora component thereof.This Travel Assistance Programme is Supplied by:AXA Travel Insurance, an unlimited company registered in Ireland under registration number 426087.Its registered office is 10/11 Mary Street, Dublin 1, Ireland. AXA Travel Insurance is a member of theAXA Assistance Group.PART 5Purchase Protection(Ulster Bank Black Card customers)Will this product meet your needs?This product will be appropriate for eligible customers who would like to ensure most purchases you make withyour Ulster Bank Black Card are protected against theft, loss or accidental damage for 100 days from the date ofpurchase, provided that the item is not already covered by another insurance.Ulster Bank are not making a personal recommendation based on your individual circumstances that the Policyis suitable for your needs and we recommend that you read the Policy Summary and Policy carefully.It is your responsibility to make sure that the policy is right for you.Ulster Bank Purchase Protection Policy SummaryUlster Bank Purchase Protection is provided and underwritten by Royal & Sun Alliance Insurance plc.The contract remains in force for as long as you have an Ulster Bank Black Card.The following tables provide only a summary of the main policy benefits and the terms and conditions. Forfull details of these and all the terms and conditions that apply you should read the Policy Document, a copyof which will be provided at any time on request. You should review and update your cover periodically tomake sure it remains adequate.Purchase ProtectionThe following benefits are automatically included:Table 1Features and Benefits Significant Exclusions or Limitations Terms and ConditionsSectionPurchase CoverCovers theft, loss or• Theft, loss or accidental damage must occur withinaccidental damage to 100 days of purchase.personal property• Maximum amount of any one claim is £3,500.purchased anywhere in theworld by the cardholder • No cover for items under £50.with their credit card. • Total claim limit in any 12 month period is £15,000.• Cover section inpolicy document.General Conditions & ExclusionsThe following apply to the Purchase Protection. For full details of these and other exclusions and limitsplease read the Policy Document.Table 2General Conditions & ExclusionsTerms and ConditionsSection• No cover is provided for items insured by any other policy.• No cover is provided for wear and tear, depreciation or repair.• No cover is provided for jewellery or watches in baggage unless carried by handand under the personal supervision of the cardholder.• No cover is provided for livestock, pets, plants or business goods.• See Sectionsspecified in Table 1.• What is not coveredsection in PolicyDocument.Your right to cancel the policyIf having examined your Policy Document you decide not to proceed with the insurance, you will have14 days to cancel it starting on the day you receive the ‘Policy Document’ wording. To cancel please write tothe address or call the number shown in your Policy Document.ClaimsShould you wish to claim under your Purchase Protection you should call the Claims Helpline on0845 074 5054 as soon as possible. You must give us any information or help that RSA ask for. You mustnot settle, reject, negotiate or agree to pay any claim without our written permission. Full details of howto claim are included in the Policy Document.ComplaintsRSA aim to give customers a high standard of service at all times. If you are unhappy with the service provided forany reason or have cause for complaint you should initially contact the person who arranged the policy for you orthe manager of Royal & Sun Alliance Insurance plc at the address shown on your quotation or schedule, asappropriate. They will tell you what they will do to resolve your concerns and how long it will take.In the unlikely event that you remain dissatisfied and wish to make a complaint, please contact us at theappropriate address below.If the Customer Relations Office cannot resolve the matter to your satisfaction, we will provide you with ourfinal response so that you can, if you wish, refer the matter to the Financial Ombudsman Service at the addressbelow. If you make a complaint, your right to legal action against us is not affected.Purchase ProtectionCustomer RelationsManagerRSABowling MillDean Clough IndustrialParkHalifax HX3 5WAFinancial Ombudsman ServiceInsurance DivisionThe Financial OmbudsmanServiceSouth Quay Plaza183 Marsh WallLondon E14 9SRCompensationRoyal & Sun Alliance Insurance plc is a member of the Financial Services Compensation Scheme (FSCS). Thisprovides compensation in case any member goes out of business or into liquidation and is unable to meetany valid claims against its policies. You may be entitled to compensation if we cannot meet our obligations,depending on the circumstances of the claim. Further information about the compensation scheme can beobtained from the FSCS.30

Other Important InformationStatement of PricePurchase Protection Insurance is an integral part of your Ulster Bank credit card account. There is no separate chargefor this insurance policy, it will remain available while your Ulster Bank Black Card credit card account remains open.Benefits under the plan are free of all personal taxes under current law and Inland Revenue practice. Tax law andpractice may change in the future. Other taxes may exist that are not paid via underwriting insurer and/or Ulster BankLimited or imposed by them or us.The law and language applicable to the policyBoth you and we can choose the law that will apply to this policy. The policy and our dealings with you prior to youentering into the policy are governed by the law which applies to the part of the United Kingdom, Channel Islands orthe Isle of Man in which you normally live. The language used in this policy and any communications relating to it willbe English.RSAUlster Bank Purchase Protection is underwritten and administered by Royal & Sun Alliance Insurance plc which isauthorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the PrudentialRegulation Authority as an insurance company and to undertake insurance mediation (Financial Services RegisterNo. 202323). You can check this on the Financial Services Register at www.fsa.gov.uk/register/home.do or by contactingthe FCA on 0800 111 6768.For your protection, telephone calls will be recorded and may be monitored.PURCHASE PROTECTION POLICYThis Policy applies to Ulster Bank Black Card customersInsurer Royal & Sun Alliance Insurance plc.The Insurance contractThis policy is a legal contract between you and us.We will provide the cover set out in the policy wording for the period of insurance as set out in the Schedule heldby Ulster Bank.You must comply with all the conditions set out in this policy. If you do not, we may turn down a claim or youmay find that you do not have any cover.Choice of lawThe law of the United Kingdom, allows us both to choose the law that will apply to this contract. However, unlessit says differently anywhere else in the contract, the law which applies to this contract.• The law which applies to the part of the United Kingdom, Channel Islands or the Isle of Man in which youlive. This court will deal with any dispute. The policy has been issued by Royal & Sun Alliance Insurance plcin the United Kingdom.• Ulster Bank Purchase Protection is underwritten and administered by Royal & Sun Alliance Insurance plc(No. 93792). Registered in England and Wales at St. Mark’s Court, Chart Way, Horsham, West Sussex RH12 1XL.Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority andthe Prudential Regulation Authority.Words with special meaningsWherever the following words appear in the policy they will have the meaning explained below:You/YourThe Principal cardholder and authorised Additional cardholder as specified in the Ulster Bank creditcard agreement.Our/Us/WeRoyal & Sun Alliance Insurance plc No. 93792 Registered in England & Wales at St Mark’s Court, Chart Way,Horsham, West Sussex RH12 1XL.CoverWe will insure items you purchase in full with your Ulster Bank Black Card against accidental damage, loss ortheft anywhere in the world for up to 100 days from the date of purchase. Cover is only available to residents ofthe United Kingdom, Channel Islands and Isle of Man.Limit of cover£15,000 in any 12 consecutive month period in respect of any one account, £3,500 for any one claim.What is not covered:• Any item covered under any other insurance policy, or which would be covered but for the application ofan excess or a limit under another policy, or where compensation provided by any guarantee or otheragreement exists.• The first £50 of any claim.• Travellers cheques, tickets of any kind, financial negotiable instruments, cash or equivalent, buildings, food,beverages, fuel, animals, living plants or perishable goods.• Motor vehicles, mechanically propelled or assisted vehicles, caravans, trailers, aircraft, gliders and hanggliders, hovercraft, sailboards, surfboards, jetskis or boats and other mechanically propelled or assistedwatercraft, or parts or accessories for any of them.• Trade or business purchases.• Household improvements of a structural nature.• Sports equipment whilst in use.• The following items will not be covered for loss, theft or damage in transit unless they are carried in handor are under the personal supervision of the insured: computer equipment, jewellery, audio, photographicor video equipment, furs, precious stones, watches, gold, silver or other precious metal articles, medal, coinor stamp collections.• Items purchased for or gifted to and in the possession of any person other than a member ofyour household.• Any purchases delivered to you by courier or posted to you until the goods are received, checked for damageby you, and accepted at your address.• Wear and tear, damage by moths, vermin, or atmospheric conditions.• Inherent product defects, electrical and mechanical failure, or failure to operate any item in accordancewith the manufacturers’ instructions.• Detention or confiscation by customs or other official bodies.• Any goods that have had attempted repair or cleaning since purchase.• Any loss or damage caused by any sort of war, invasion or revolution.• Any loss or damage resulting from radiation and radioactive contamination, or any related event.• Any claim or expense of any kind resulting directly or indirectly from pollution or contamination which:– Was the result of an intentional act; or– Was expected or should have been expected; or– Was not sudden; or– Was not during any period of insurance.• Any loss, damage, liability, cost or expense of any kind directly or indirectly caused by, resulting from or inconnection with any act of terrorism.(For the purposes of this exclusion “terrorism” means the use, or threat of use, of biological, chemical and/ornuclear force or contamination by any person(s), whether acting alone or on behalf of or in connection with anyorganisation(s) or government(s), committed for political, religious, ideological or similar purposes including theintention to influence any government(s) or put any section of the public in fear.)General ConditionsIf you do not observe the terms and conditions of this policy we shall not be liable for any claim made by you. Youmust be an Ulster Bank Black credit card holder at the time you make a claim. You cannot make a claim if yourrights under the Ulster Bank credit card agreement have been terminated or your Ulster Bank Black Card hasbeen withdrawn or suspended.You must give us at your reasonable expense, all the information we ask for about any claim and you must helpus take legal action against anyone if we ask you to.You must take all reasonable steps to prevent loss or damage to any item covered by this insurance. If you wishto cancel this policy, please telephone 0845 074 5054.Guidance when making a claimClaim NotificationIt is important that you comply with all policy conditions and you should familiarise yourself withany requirements.Directions for claim notification are included under the following sections.Please be aware that events that may give rise to a claim under the insurance must be notified as soon asreasonably possible.Claims conditions require you to provide us with any reasonable assistance and evidence that we requireconcerning the cause and value of any claim.Ideally, as part of the initial notification, you will provide:• Your name, address, and your home and mobile telephone numbers• Personal details necessary to confirm your identity31

• The date of the incident• The cause of the loss or damage• Details of the loss or damage together with claim value if known• Police details where applicable.This information will enable us to make an initial evaluation on policy liability and claim value. We may, however,request additional information depending upon circumstances and value which may include the following:• Original purchase receipts, proof of card usage, invoices, instruction booklets or photographs• Purchase dates and location of lost or damaged property• For damaged property, confirmation from a suitably qualified expert that the item you are claiming for isbeyond repair.Sometimes we may wish to meet with you to discuss the circumstances of the claim, to inspect the damage, orto undertake further investigations.How to claimIn the event of a claim you should telephone The Purchase Protection Unit on 0845 074 5054. If an item is lost,damaged or stolen you must ask for a claim form and return it to the Unit within 45 days of the incident.You will be required to supply proof of purchase/card usage as part of the claims process.RSA supports the Association of British Insurers (ABI) claims codes which sets out the standards of service thatcustomers can expect when making insurance claims.Claims ConditionsClaims for loss or damage in transit must be reported to the carrier or the tour operator and a writtenreport obtained.Any loss, theft or damage caused by malicious persons must be reported to the police authorities within24 hours and a written report obtained from them.Any claim will be settled on the following basis:If any item has been damaged and it can be repaired economically we will pay the cost of repair. Otherwisewhere the damaged or lost item can be replaced with an item of similar quality, we will arrange or authorisereplacement with a new item or we will pay the replacement cost of a new item. We will not pay for the cost ofreplacing or changing undamaged items or parts of items which belong to a set, suite or which have a commondesign or use, when the loss or damage relates to a specific part or clearly defined area.FraudWe believe our policyholders are honest, the contract between us is based on mutual trust.If dishonest means are used by you or anyone acting on your behalf to:– obtain a claims payment under your policy– fraudulently exaggerate a claim under your policy– obtain cover for which you do not qualify all benefits under your policy will be lost.Data Protection NoticePlease read the following carefully as it contains important information relating to the details that you havegiven us. You should show this notice to any other party related to this insurance.We are required to send you this information to comply with current Data Protection legislation. It explains howwe may use your details and tells you about the systems we have in placethat allow us to detect and prevent fraudulent applications and claims. The savings that we make help us tokeep premiums and products competitive.Data Protection Act 1998All personal information supplied by you will be treated in confidence by the RSA Group of companies and willnot be disclosed to any third parties except where your consent has been received or where permitted by law.In order to provide you with products and services this information will be held in the data systems of the theRSA Group of companies or our agents or subcontractors.The RSA Group of companies may pass your personal data to other companies for processing on its behalf. Someof these companies may be based outside Europe in countries which may not have laws to protect your personalinformation, but in all cases the Group will ensure that it is kept securely and only used for the purposes forwhich you provided it. Details of the companies and countries involved can be provided to you on request.Fraud Prevention• If false or inaccurate information is provided and fraud is identified, details will be passed to fraudprevention agencies.• Law enforcement agencies may access and use this information.• We and other organisations may also access and use this information to prevent fraud and moneylaundering, for example, when:• Checking details on applications for credit and credit related or other facilities• Managing credit and credit related accounts or facilities• Recovering debt• Checking details on proposals and claims for all types of insurance• Checking details of job applicants and employees• Please contact the Data Protection Liaison Officer at the address below if you want to receive details of therelevant fraud prevention agencies• We and other organisations may access and use from other countries the information recorded by fraudprevention agencies.Sharing InformationInsurers pass information to the Claims and Underwriting Exchange Register, run by Insurance Database ServicesLtd (IDS Ltd). The aim is to help us to check information provided and also to prevent fraudulent claims. When wedeal with your request for insurance, we may search the register. When you tell us about an incident (such as fire,water damage or theft) which may or may not give rise to a claim, we will pass information relating to it tothe register.How to contact the Data Protection Liaison OfficerOn payment of a small fee you are entitled to receive a copy of the information we hold about you. If you haveany questions, or you would like to find out more about this notice you can write to:Data Protection Liaison OfficerCustomer Relations OfficeRSABowling MillDean Clough Industrial ParkHalifaxHX3 5WAPART 6Travel PassYour CPP Travel Pass service has been arranged for you as the primary holder of the Card.Your CPP Travel Pass service is provided by Card Protection Plan Limited (‘CPP’). The service is subject to theseterms and conditions. It is important that you read each section of these terms and conditions carefully tounderstand the features and conditions of the Service.DefinitionsUnless the context otherwise provides, where the following words are shown in the terms and conditions theyshall have these meanings:Card: The Ulster Bank Black Card issued to You by Ulster Bank Limited.Cardholder:The individual who is the primary holder of the Card and is eligible for the Service as a feature ofsuch Card.Home: The address in the United Kingdom at which You and the Registered User permanently reside.Registered User: An individual that lives with You at Your Home who You have registered with Us to use thePassport Assistance feature of the Service.Registration: The provision by You to Us of the information requested on the Website in relation to You so thatWe can set You up to use the Service, and in relation to the Registered User so that We can set them to use thePassport Assistance feature of the Service.Service: The CPP Travel Pass service which is described in these terms and conditions.Subscription Number: The unique reference number provided to You when You have completed Registration.United Kingdom: England, Scotland, Wales and Northern Ireland.We/Us/Our:Card Protection Plan Limited. Registered Office: Holgate Park, York YO26 4GA (registerednumber 1490503).Website: The website at www.cpptravelpass.co.uk/ulsterbankblackcard on which you can complete Registration.You, Your: The Cardholder and where used in sections 1 and 2 of these terms and conditions includes theRegistered User.The ServiceWho is covered1. The primary holder of the Card is eligible for the Service.2. You must be 18 years of age or older and resident in the United Kingdom.32

3. The Service is available to you and a Registered User who is eligible to use the Passport Assistance element ofthe Service.4. The Service is non-transferable; this means that you cannot give your entitlement to the Service away tosomeone else.CPP Travel Pass comprises:1) 24/7 Emergency HelplineWhat we will provideWe will provide a 24 hour helpline 365 days of the year for you to request use of the Service in an emergency.If you need to use the Service while you are abroad, you do so by calling us at any time on +441702 272430 andselecting the emergency option.Please be ready to give us all the details of the situation needed so that we can provide the assistance required.Please note that we record all calls and the section on ‘Recording Calls’ provides you with information on why we do this.Conditions and limitations1. The emergency option on the helpline should be used in an emergency situation only.2. If you are using a mobile phone to call the Emergency Helpline from abroad, you may be subject toroaming charges from the phone provider. We will not be responsible for these charges.2) Passport AssistanceWhat we will provideWe will help you request a replacement passport in the event of loss or theft of your passport while youare abroad. It is important that complete Registration of your passport details to enable us to providethis assistance.We will store the details of your passport that you provide to us. If your passport is lost or stolen, we canprovide you with the following details, subject to you passing our identification and verification checks:Passport NumberExpiry DateStart DateLocation of the local Foreign & Commonwealth OfficeConditions and limitations1. This element of the Service is dependent on you carrying out Registration of the relevant passport details.We will be unable to provide this element of the Service if this Registration has not been carried out.2. You are responsible for informing us of any updates and changes to passport details that you have storedwith us.3. You must inform the local police if your passport has been lost or stolen.4. We are not responsible for any costs that you incur when arranging replacement of the lost orstolen passport.5. This element of the Service is only available to you while you are outside the United Kingdom.3) Mobile PhrasebookWhat we will provideWe will provide you with a downloadable phrasebook for your mobile phone. The phrasebook is availablein one of ten languages and provides translations from English to your chosen language for a range ofwords/phrases.The phrasebook is provided by Lonely Planet Publications Limited (company number: 03970495). You candownload the phrasebook by following the instructions on the Website. You should select your mobile phonetype from the drop down list and then enter your mobile phone telephone number. You will receive a textmessage to your mobile phone containing a link which you need to click on to download the phrasebook.If you have your mobile phone handset stolen, or if you upgrade your handset, then you may downloada phrasebook subject to meeting the conditions below and subject to you maintaining the same mobilephone number.Conditions and limitations1. This element of the Service is dependent on you completing Registration. We will be unable to provide thisfeature of the Service if Registration has not been carried out.2. You are entitled to download one mobile phrasebook to one mobile phone number per year of yourentitlement to use the Service.3. We cannot guarantee the accuracy of the translations contained in the phrasebook.4. This element of the Service is not available for use on all types of mobile phones and will be dependent onthe model of your mobile phone handset. Please note that in particular, the phrasebook is not compatiblewith the iPhone. Please check the list of compatible handsets on the Website.5. If your mobile phone handset is stolen, or if you upgrade your handset and you want to download thesame phrasebook again, you must provide us with evidence of the theft or upgrade, for example a crimereport or upgrade details from your mobile phone provider.4) Interpreter in Your PocketWhat we will provideWe will provide you with access to an over the phone interpreter service while you are abroad at a rate of £1.99per minute (plus VAT). It is important that you complete Registration to enable us to provide this element of theService, as you will be unable to access it without your Subscription Number.The Interpreter in Your Pocket service is provided by Language Line Limited (company number: 04823110).To enable you to access this element of the Service at the discounted rate, you must do so by calling the 24/7Emergency Helpline and requesting the interpreter option. You will then be transferred to Language Line,where you will be asked to provide your Subscription Number and postcode. You will then be asked whatlanguage you require and you will then be transferred to an appropriate interpreter, subject to availability.Conditions and limitations1. This element of the Service is dependent on you completing Registration. We will be unable to provide thisfeature of the Service if Registration has not been carried out.2. This element of the Service is only available to you while you are outside the United Kingdom, and is notavailable to the Registered User.3. You will be charged £1.99 per minute (plus VAT) from the point at which you are transferred to aninterpreter. Seconds will be rounded up to the nearest minute. By continuing on the call to the point oftransfer to an interpreter, you are agreeing to pay the costs of the call. If you do not agreed to this, youshould end the call before you are transferred.4. We are not responsible for the costs for using the Interpreter in Your Pocket element of the Service.Following any use by you, we will issue you with a written statement detailing the total amount of chargespayable by you. These charges shall be payable by you within 28 days of the date of this statement.5. You will need to contact us within the 28 day payment period following the date of our statement to youso that you can provide us with the details that we require to collect the payment from you.6. If you do not pay these charges to us within 28 days of the date of our statement to you, we may refuse toprovide the Service to you until all outstanding charges have been paid and we reserve the right to cancelthe Service. We will also take steps to recover all outstanding sums due to us.7. Interpretations provided may not always be completely accurate.8. The service provided by Language Line will be dependent on the availability of an interpreter for the requiredlanguage. Language Line cannot guarantee the availability of an interpreter for your required language at alltimes, this will be subject to availability. For a list of the languages covered by this element of the Service,you should consult the list available on the Language Line website at www.languageline.com.9. If you are using a mobile phone to call from abroad, you may be subject to a roaming charge from theprovider in addition to the cost of the interpreter service. We will not be responsible for these charges.10. All of the general conditions and limitations apply.General Conditions, Exclusions and LimitationsYour attention is particularly drawn to these conditions, exclusions and limitations which detail the generalconditions, exclusions and limitations of the Service.You and the Registered User must meet the following conditions:a) You must provide full and accurate information in connection with your use of the Service.b) You and the Registered User must meet all of our terms and conditions. This applies to the terms andconditions set out here and any others which we change or add to the Service at a later date.c) Only a Registered User who holds a UK passport and who has completed Registration will be eligible touse the Passport Assistance element of the Service.d) The Service is only available to you and the Registered User when travelling outside the United Kingdom,although the Mobile Phrasebook feature may be used in the United Kingdom.Period of ServiceThe Service will be available to you from the date upon which you are issued with the Card and continueswhile you are the primary holder of the Card.33

Cancelling the Service1. You can cancel the Service at any time. To cancel the Service you should notify us by calling the telephonenumber in your Welcome Pack.2. We will cancel the Service if we receive notification that you are no longer the primary holder of the Card.3. We will cancel your access to the Service if You have at any time:a) given us false or incomplete information;b) used the Service dishonestly or agreed to help anyone try to use the Service dishonestly; orc) failed to meet the terms and conditions of the Service or to act openly and honestly towards us.Setting aside terms and conditionsIf we choose to set aside a term or condition contained in these terms and conditions, this will not prevent usfrom relying on that term or condition in the future.ComplaintsIf you want to make a complaint, please phone us on the telephone number on the back of your Card or write to:Complaints ManagerCPP Travel PassCard Protection Plan LimitedHolgate ParkYorkYO26 4GAWe will do our best to answer your query within five working days. If no reply has been sent by then, you willbe sent an acknowledgement letter to keep you informed of progress.Applicable lawThese terms and conditions are governed by and must be interpreted in accordance with the laws of Englandand Wales, unless you live in Scotland (in which case Scottish law will apply) or Northern Ireland (in which caseNorthern Irish law will apply) unless you and CPP agree otherwise. You and CPP agree that terms andconditions will be issued in English.Recording callsWe record all phone calls to us. We do this to: provide a record of the instructions received from you;monitor quality standards; help us with staff training; and meet legal and regulatory requirements.All communications and policy documents will be in English unless otherwise agreed.Special NeedsWe are committed to meeting the needs of all our customers, including those with special needs. Lettersand other documents are all available on request in Braille or large text or on audio tape. Hearing andspeech-impaired customers who wish to speak to us and have a textphone available can do so by using theRNID’s Typetalk Relay service. This is available 24 hours a day, seven days a week and allows our customerswho find this convenient to contact us via a Typetalk Operator who will relay instructions and other requestsverbally to our call centre staff. Please note that to use Typetalk Relay, you must have or be able to get accessto a textphone. If so, just dial 18001 and then dial CPP’s number; once the call is connected, a TypetalkOperator will join the call to relay your message. CPP’s responses will then appear as text on your textphone.For Typetalk, please call 18001 0844 848 2914. For all other services, including requests for Braille, large printor audio versions of any of our documents, please call 0844 848 2914. In all cases, we’ll be happy to help.Data Protection Notice – Your personal detailsWe will use the information you provide to:• provide the Service to you; and• manage your contract with us.CPP may use your details to invite you to take part in market research and to let you know about other goodsor services that might interest you.CPP may pass your personal information to other members of the CPP group of companies or otherorganisations acting for members of the CPP group of companies. They may contact you by post, phone or byemail. By registering to use the Service and by giving CPP your address, phone number and email address, youagree that CPP, other members of the CPP group of companies, and other organisations acting for members ofthe CPP group of companies, may contact you using these methods. If you do not want your details to be used forthese purposes, please let us know at any time.To avoid contacting you unnecessarily about products and services you may already have, we will compareyour details with information on prospect files prepared by our business partners. When we do this we mayneed to tell our business partners that you have a contract for the Service with us and disclose enoughpersonal data to enable our business partners to identify you on these files.By registering to use the Service you consent that, for the better performance of this contract, we may transferyour data outside the European Economic Area.You have a right to see all the information we hold about you. If you want to see this information, please write to:The Compliance ManagerCard Protection Plan LimitedHolgate ParkYorkYO26 4GAPlease note that there will be a separate administration charge for this service.PART 7YourPointsIntroduction1. These Terms set out how you may earn and use Points with your credit Card Account under our YourPointsLoyalty and Rewards Programme. The Programme rewards you by allowing you to earn and use Pointsprovided you have not broken the terms of the agreement for your Card Account. If you break the terms ofthat agreement and fail to put right your breach, we may stop you from using your Points and, in the end,you may lose them completely.2. You will be automatically enrolled for the Programme. Once you are enrolled we will set up a ProgrammeAccount for you.3. You accept these Terms which are in addition to the terms that apply to your Card Account.Collection of Points4. You may only earn Points on transactions made using a Card Account (Qualifying Transactions) except forthe following:• advances (as defined in your Card Account agreement);• balance transfers (as defined in your Card Account agreement);• money transfers (as defined in your Card Account agreement);• payments by cheque drawn on your Card Account; and• interest, fees and other charges.5. Points earned will be shown on your Card Account Statement starting with the second Statement that isissued after you enrol. For every £1 you spend on a Qualifying Transaction, you will earn 1 Point. If youwant further information, please refer to your User Guide or telephone us.6. If we issue additional cards on your Card Account, any Points earned on Qualifying Transactions made onthe additional card belong to you and can be used only by you.7. You must check your Statement and tell us immediately if you do not agree with the Points awarded asshown on that Statement. We will correct the Points earned if it is shown to our reasonable satisfactionto be wrong.8. If you have more than one Card Account, you will have a separate Programme Account for each. You cannominate one Programme Account to combine all your Points.9. For details of your Points and information on how to spend them, log on to your Programme Account atwww.ulsterbank.co.uk/yourpoints or telephone us.Use of Points10. You may use the Points recorded on your Programme Account to purchase goods, services, and vouchers(Rewards) provided that you have not broken any of the terms of the agreement for your Card Accountthat would allow us to terminate that agreement.11. Rewards are provided through us on behalf of certain companies (Suppliers). In order to purchase yourRewards, you will enter into a separate agreement with a Supplier. An up-to-date list of Suppliers isavailable online at www.ulsterbank.co.uk/yourpoints or by telephoning or writing to us. Suppliers do notact as our agents under the Programme nor do we act as agents of Suppliers.12. We will tell you from time to time the number of Points that are required in order to purchase Rewards.All Rewards are subject to availability.13. Points cannot be exchanged for cash or be used to pay an outstanding balance on your Card Account.Refunds14. If a Qualifying Transaction is refunded, we will deduct any Points earned on that transaction.15. If you use Points to purchase a Reward which is then refunded, we will refund the Points used to makethat purchase.34

Security16. You are responsible for keeping secure any passwords and any other personal information(Security Details) used to access your Programme Account.17. If you suspect unauthorised or fraudulent use of your Points or unauthorised use of your Security Details,you must immediately telephone or write to us. We may suspend your right of access to your ProgrammeAccount while we investigate the matter.18. We will not be liable for loss of Points if you have disclosed your Security Details to a third party or failedto take reasonable steps to keep your Security Details safe.Changes19. We may make changes to these Terms or the Programme. We will, unless there are exceptionalcircumstances, give you 30 days’ prior notice of the change. If the change is to your advantage, we maymake the change and give you notice afterwards.Termination20. If you want to terminate this agreement, you may telephone or write to us. With some Card Accounts,you may also have to terminate the agreement for your Card Account. We will inform you of the periodwithin which you must use any Points. If you do not do so, any unused Points will be lost.21. If you or we terminate the agreement for your Card Account, we will also terminate this agreement.We will inform you of the period within which you must use any Points. If you do not do so, any unusedPoints will be lost.22. If we terminate the agreement for your Card Account due to a breach of your Card Account, any unusedPoints may be lost.23. We may withdraw the Programme for any of your Card Accounts by giving you 30 days’ notice. We willinform you of the period within which you must use any Points. If you do not do so, any unused Pointswill be lost.24. We may withdraw the Programme for any of your Card Accounts if no transactions are made using theCard Accounts for 36 continuous calendar months and any unused points may be lost.Notices25. If you provide us with an e-mail address when you enrol in the Programme, we may send all communicationsin connection with the Programme (including changes to these Terms) to your e-mail address.Waiver26. If we do not enforce any of these Terms, we may still decide to do so in the future.Transfers27. Points on your Programme Account are personal to you and cannot normally be transferred to any otherperson except upon your death. If you die, your beneficiary may be entitled to request that your Points betransferred to them. For further details on transferring Points to a beneficiary, please telephone or writeto us.28. If we sell or transfer the Programme, we may transfer all our rights and obligations under these Terms anddisclose all information we hold about your Programme Account to a prospective or actual new owner. Thiswill not alter your rights in respect of the use of your information by the prospective or actual new owner.Liability29. We are only liable to you where you suffer loss as a result of a breach by us of these Terms. Our liabilityis limited to crediting your Programme Account with any Points which have been incorrectly deducted,withheld or cancelled.Use of Information30. We may collect, use, and share your personal information in accordance with the terms of your CardAccount and any additional terms that you agreed to when you enrolled in the Programme.Governing law and Jurisdiction31. The laws of Northern Ireland shall govern these Terms and you submit to the jurisdiction of the NorthernIrish courts to resolve any disputes that may arise in connection with these Terms.Contact DetailsIf you have any questions, please telephone or write to us on the contact details set out below:Telephone number: 0845 070 1277.Address: Cards Customer Services, PO Box 5747, Southend-on-Sea, Essex SS1 9AJ.For more information about the Ulster Bank Black CardUlster Bank subscribes to the Lending Code.The code can be found at www.lendingstandardsboard.org.ukPrivate BankingPhone 0845 301 5105Email: enquiries.private@ulsterbank.comVisit ulsterbank.co.uk/privateInformation correct as of 01/01/2014.Ulster Bank Limited. Registered in Northern Ireland. Registration Number R733.Registered Office: 11-16 Donegall Square East, Belfast BT1 5UB. Authorised bythe Prudential Regulation Authority and regulated by the Financial ConductAuthority and the Prudential Regulation Authority, and entered on the FinancialServices Register (Registration Number 122315). Calls may be recorded.UB BITC 01/14