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54 Demand and needs statement This page refers to the following insurance products included in the Ultimate Reward Current Account. • Worldwide multi-trip family travel insurance • Car breakdown cover • Mobile phone insurance • Home emergency cover • Card protection Please review the information provided to ensure we have based your insurance on the correct information. You have not received advice or a recommendation from us. We do, however, ask that you read this page and all the documents provided in the Welcome Pack very carefully to ensure that the insurance included in the Ultimate Reward Current Account meets your needs. We draw your attention in particular to exclusions and conditions that apply to these policies. Please refer to the policy summary documents and terms and conditions for full details. You should read these bearing in mind your own circumstances to ensure that you fully understand what they mean for you as an individual and anyone else insured by the policy. Your own circumstances are called ‘material facts’ and you must tell us anything known to you which will increase the likelihood that a claim might occur or increase the amount of any potential claim. Your failure to disclose any material facts, for example any pre-existing medical conditions you may have, may mean your insurance will not protect you and will not be valid. The insurers may charge an increased premium or decline, withdraw or restrict coverage on seeing the facts disclosed. This is a monthly contract that starts when the initial credit is received or account redesignation is completed. It continues as long as any required fee is paid. Benefit details Worldwide multi-trip family travel insurance This product meets the demands and needs of those who wish to ensure that the insurance needs of themselves and their family while on holiday are met now and in the future. Car breakdown cover This product meets the demands and needs of those who wish to ensure that their needs for roadside assistance if their vehicle breaks down are met now and in the future. Mobile phone insurance This product meets the demands and needs of those who wish to ensure that their need for mobile phone insurance is met now and in the future. Home emergency cover This product meets the demands and needs of those who wish to ensure that their needs for access to emergency assistance for the home are met now and in the future. Card protection This product meets the demands and needs of those who wish to ensure that their need for card protection insurance is met now and in the future.
Travel insurance About YOUR Policy Wording The Insurance Contract If You have any queries about Your cover, You can call Us on the number listed in the ‘Important telephone numbers’ section. Please make sure You have Your Ultimate Reward Current Account number and Your branch sort code when You call. We want You to get the most from Your policy and to do this You should: • read Your policy wording and make sure You are covered for the sort of losses/incidents You think might happen • make sure You have declared any Pre-Existing Medical Conditions You can do this by calling us on 08451 24 14 00 or by logging onto www.halifax.co.uk/ultimate-benefits and click onto get a medical screening. • make sure that You understand the exclusions and conditions which apply to Your policy because if You do not meet these conditions it may affect any claim You make. Remember, no policy covers everything. We do not cover certain things such as: • Pre-Existing Medical Conditions (unless additional cover is agreed in writing by Us) You can declare any pre-existing medical conditions by calling us on 08451 24 14 00 or by logging onto www.halifax.co.uk/ultimate-benefits and click onto get a medical screening • any Insured Person over the age of 70 years old • children and infants for independent travel • losses that We do not state are specifically covered e.g. the cost of obtaining a Police report. The things which are not covered by Your policy are stated: • in the ‘General exclusions applying to Your policy’ • under ‘What IS NOT covered’ in each section of cover. If We do not state that something is covered, You should assume that it is not covered. Words with special meanings Throughout Your policy wording, certain words are shown in bold type. These words have special meanings which are listed below and in the ‘Legal Advice and Expenses’ section under ‘Legal Advice and Expenses words with special meanings’. Accident(s)/Accidental A sudden, unexpected, specific, violent, external, visible event which occurs at a single identifiable time and place. Colleague An associate in the same employment as You in the UK, whose absence from work necessitates Your stay in or return to the UK. Europe The continent of Europe west of the Ural Mountains including its neighbouring islands (including the Azores, the Canary Islands, the Republic of Ireland and Madeira) and non-European countries bordering the Mediterranean. Excess The amount You pay when You make a claim which is set out in the ‘Policy limits and excesses’ section. This applies to each incident for each Insured Person. Family You, Your spouse, Your civil partner (as defined in Section 1 of the Civil Partnership Act 2004) or the person (whether or not of the same sex) with whom You are permanently cohabiting in a marriage-like relationship together with Your children, stepchildren, adopted children and foster children who are under the age of 16 or under the age of 23 and in full time education. FirstAssist FirstAssist Insurance Services Limited. Registered Office: Marshall’s Court, Marshall’s Road, Sutton, Surrey SM1 4DU. Registered No. 04617110. Authorised and regulated by the Financial Services Authority. Golf Equipment Golf clubs, golf balls, golf bag, golf trolley, golf shoes and essential clothes which You own or hire. Home Your usual permanent place of residence in the UK. Insurance Period The period commencing on the date You open an Ultimate Reward Current Account and ending when Your Ultimate Reward Current Account is closed or Your policy is cancelled, whichever is earlier. Insured Person/You/Your The holder(s) of an Ultimate Reward Current Account and Your Family. Insurer Great Lakes Reinsurance (UK) PLC. Permanent Total Disablement A condition which is of a permanent and irreversible nature which is shown by medical evidence to be likely to continue for the remainder of Your life and as certified by a registered medical practitioner, to the reasonable satisfaction of Our Chief Medical Officer, and which prevents You from engaging in any work or occupation for remuneration or profit. Personal Baggage Each of Your suitcases (or containers of a similar nature) and their contents, articles You are wearing or carrying which are owned by any of Your Family, or for which they are legally responsible, including Valuables and keys (excluding keys to a hire vehicle). Personal Money Cash, cheques, banker’s drafts, electronic cash pre-payment cards, postal and money orders, current postage stamps, phone cards, coupons or vouchers which have a monetary value. Pre-Existing Medical Condition Anything which You would answer yes to in the medical conditions declarations in the ‘The insurance contract’ section under ‘You must declare all medical conditions’ either at the time You open Your Ultimate Reward Current Account or at the time of booking Your Trip. Public Transport Train, tram, bus, coach, ferry service or airline flight operating to a published timetable. Redundant/Redundancy Being made unemployed under the Employment Rights Act and have been given a notice of Redundancy and are receiving payment under the current Redundancy payments legislation and at the time of booking the Trip You, Your travelling companion, or spouse (including a civil partner or co-habitee) had no reason to suspect that they would be made Redundant. Key information 55
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 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: We developed these examples with th
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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