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24 Already have a mobile phone insurance policy? When it’s due for renewal you may want to check whether you prefer the cover we provide with your account. Just get in touch on 08451 24 14 00 for more information. Key exclusions and conditions applying to the policy • The policy excess which applies for each successful claim. The excess varies depending on the mobile phone you claim for. If you have an Apple iPhone the excess is £100 and for all other handsets it is £30. • Loss of, theft of, or damage to, your phone: − while it is in an unattended motor vehicle, unless it is completely hidden from view within a locked glove compartment, locked boot or other locked internal compartment and the vehicle is fully locked and secured. − where it has been left unattended in a public place or a place to which people, the public has regular access. − where it has been passed to someone else • A maximum of one phone per account holder, or in the case of joint accounts, a maximum of two phones per account. • A maximum of two claims per account in any 12-month period. For further details of exclusions and conditions please refer to the full Terms and Conditions on PAGE 78 General information You can complain about mobile phone insurance by calling 08451 24 14 00 or by writing to Customer Services, STAMS Ltd, PO Box 98, Blyth, NE24 9DL. If a complaint is not settled, you may be able to refer it to the Financial Ombudsman Service who will undertake an independent and impartial review of your complaint. The address is Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR. Telephone 08000 23 45 67. You may be entitled to compensation from the Financial Services Compensation Scheme should London General Insurance Company Limited not meet their liabilities. For further details please contact the FSCS on 0800 67 81 100 or 020 7741 4100 or enquiries@fscs.org.uk. Mobile phone insurance is a monthly contract. This policy is provided as a benefit of you being an Ultimate Reward Current Account holder. The cost is included in part of your standard monthly fee. We recommend that you review the cover this policy provides every year to ensure it continues to meet your needs. If you or Halifax close your account, or Halifax terminates the cover provided through the programme, cover will stop immediately unless you are moving from one qualifying account to another. If your policy ends for any reason, you will not be entitled to a refund of any fees, and/or premium for the cover provided under Your Policy. How to make a claim If you need to make a claim, please call us within 48 hours of the incident happening: 08451 24 14 00, 24 hours a day, seven days a week. Your policy wording will explain any excesses you have to pay. PAGE 79 of this guide gives more information about what simple steps you should take within 24-hours of your mobile phone being lost or stolen. If you are calling from abroad, call the international dialling code for the UK for the country you are in, followed by: +44 1495 28 12 97. Status Disclosure This cover has been arranged by STAMS Ltd (FRN 409098) on behalf of the Bank of Scotland plc (FRN 169628) who is authorised and regulated by the Financial Services Authority. This policy is administered by STAMS Ltd (FRN 409098), who is an appointed representative of Lifestyle Services Group Limited (LSG). LSG (FRN 315245) handle claims on behalf of the insurer, who is London General Insurance Company Limited (LGI) (FRN 202689). LSG and LGI are authorised and regulated by the Financial Services Authority (FSA), which can be checked on the FSA website at www.fsa.gov.uk/register/ or by phoning 08456 06 12 34. For the purposes of the Data Protection Act 1998, the Data Controller in relation to the personal data you supply is LSG.
Home emergency cover From a burst pipe to a break-in, home emergencies can happen to anyone. And you can bet they’ll happen at the most inconvenient time. But as an Ultimate Reward Current Account holder, you can relax, safe in the knowledge that you’re already covered for a wide range of emergencies. A home emergency is a sudden, unexpected event which needs immediate action in order to make your home safe or secure, avoid damage or more damage, make your home fit to live in or restore electricity, gas or water. How we’ll help If the safety of your home is at risk and you need help fast, just give us a call. We’ll arrange for a skilled and reliable tradesperson to carry out the necessary repairs – up to a value of £250 for the call-out charge, labour cost, parts and materials. We’ll also give you £100 towards emergency overnight accommodation if you can’t live in your home for a while. Full details of your cover are overleaf. Please keep them safe. Section Cover description Home emergency costs Overnight accommodation Cost of the qualified person chosen by us to deal with the emergency in respect of the call-out charge, labour and any materials necessary If your property becomes uninhabitable and remains so overnight we will, subject to prior agreement with us, arrange and pay for your overnight accommodation or transport to such accommodation (or both) Limit of cover £250 Nil £100 Nil Excess per person This summary outlines cover available under our home emergency cover, which is underwritten by Inter Partner Assistance. The full policy wording is in the Terms and Conditions section of this booklet. Account benefits Home emergency cover 25
Page 1 and 2: GETTING STARTED GUIDE Ultimate Rewa
Page 3 and 4: Contents Your benefits at a glance
Page 5 and 6: How to make a claim - Your account
Page 7 and 8: Getting started Want to get the mos
Page 9 and 10: Our easy-to-understand overdrafts O
Page 11 and 12: Your Halifax Visa debit card The qu
Page 13 and 14: Managing your account 24/7 online b
Page 15 and 16: International payments We can help
Page 17 and 18: Introduction to your benefits Read
Page 19 and 20: This summary outlines cover availab
Page 21 and 22: AA Breakdown Cover Cover If your ca
Page 23: Mobile phone insurance It’s amazi
Page 27 and 28: Card protection If you’ve ever lo
Page 29 and 30: Identity theft assistance Protect y
Page 31 and 32: Your account • The Ultimate Rewar
Page 33 and 34: Section 1 - Introduction to this ag
Page 35 and 36: monthly amount before you are entit
Page 37 and 38: Halifax Expresscash account Special
Page 39 and 40: Type of payment Cash Cheques Where
Page 41 and 42: You can check with us when you make
Page 43 and 44: 8.2 If we agree to a planned overdr
Page 45 and 46: (a) because of changes in the gener
Page 47 and 48: 19.3 If we are required to report i
Page 49 and 50: Reward payments If you have a Rewar
Page 51 and 52: Student Current Account, Cardcash a
Page 53 and 54: We developed these examples with th
Page 55 and 56: Travel insurance About YOUR Policy
Page 57 and 58: In the event that anyone covered by
Page 59 and 60: • proof of purchase (e.g. origina
Page 61 and 62: Section 1: Medical Emergency and Re
Page 63 and 64: Section 4: Personal Liability This
Page 65 and 66: General conditions applying to Sect
Page 67 and 68: Claims will be considered on a new
Page 69 and 70: 15. Any dishonest, malicious or cri
Page 71 and 72: AA Breakdown Cover AA Breakdown Cov
Page 73 and 74: • If, following a Breakdown, a Pa
Page 75 and 76:
Additional services 4. Any addition
Page 77 and 78:
Compliments and Complaints If You w
Page 79 and 80:
You/Your The insured person(s) who
Page 81 and 82:
8. The cost of Unauthorised Calls i
Page 83 and 84:
Home emergency cover The insurance
Page 85 and 86:
Complaints procedure Although We ai
Page 87 and 88:
The Insurer The insurance underwrit
Page 89 and 90:
What is covered The cover What is n
Page 91 and 92:
Key policy differences The tables b
Page 93 and 94:
Notes 93
Page 95 and 96:
Key contacts card All the contacts
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