rrL4Y7

More documents

Recommendations

Info

4 Your benefits at a glance We use a range of third party providers for the benefits. As with all insurance some exclusions and excesses apply. Travel insurance Car breakdown cover Mobile phone insurance Home emergency cover Card protection Key benefits • Family cover • Worldwide travel • Multi-trip • Covers winter sports and golf trips • Includes personal belongings, medical emergency and repatriation, legal advice and expenses, personal accident and personal liability. • Roadside assistance • Home Start • Customer covered, not the car • Accident management. • One phone per account holder, maximum of two for joint accounts • Repair or replacement phone up to a maximum original cost or value of £2,000 • Covers loss, theft, accidental damage, breakdown, water damage. • Helps to make your home safe or secure • Avoids damage or more damage to your home • Restores utilities to your home if they have failed. • Covers all financial cards – one call and we can cancel everything • If your bag, wallet, or purse is lost or stolen with your cards in it, you will be able to claim towards replacing them.
How to make a claim – Your account benefits are there to help and protect you both at home and abroad. So if you need to make a claim, you’ll find details about how to do this on the individual benefits pages that follow. Main exclusions Action needed • Cover ceases on your 71st birthday (65th for winter sports cover) • Pre-existing medical conditions must be declared • The maximum trip duration is 31 days • Children need to be under 16 (or under 23 and in full-time education) • Children are not covered for independent travel • Winter sports; maximum 24 days’ cover in any 12-month period • Not valid for trips in the UK except for trips with pre-booked accommodation for a minimum of three days. • Service is only available within the UK, Channel Islands and Isle of Man • Maximum of five call-outs per 12-month period (seven for a joint account) and not covered for same or similar causes of breakdown to that which the AA attended within the previous 28 days • Does not provide for any vehicle following an accident. • Covers your phone for up to £2,000 against theft or loss anywhere in the world • Any theft, loss 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 the public has regular access − where it has been passed to someone else • If phone is lost or stolen, you must notify the police and your airtime provider within 24 hours of discovering the incident • You must register your claim within 48 hours of discovering the incident • A maximum of two successful claims per 12-month period. • Any claim if your home is unoccupied for over 60 days • Any loss where you did not contact us to arrange repairs • Any fault that you or any member of your family knew or should have known about when you took out your Ultimate Reward Current Account. • A cardholder using a card not in accordance with the card issuer’s terms and conditions • A loss or theft that you do not report to us within 24 hours of discovery. Yes see page 6 for important information No Yes No Yes Key information 5
Page 1 and 2: GETTING STARTED GUIDE Ultimate Rewa
Page 3: Contents Your benefits at a glance
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 and 24: Mobile phone insurance It’s amazi
Page 25 and 26: Home emergency cover From a burst p
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
show all

rrL4Y7

Create successful ePaper yourself

Delete template?

Save as template?