Transcription
TravelInsuranceInsurance Product Information DocumentCompany: Inter Partner Assistance S.A. UK Branch, with a registered office at 106-118 Station Road, Redhill, RH1 1PR is aBranch of Inter Partner Assistance S.A. (Financial Conduct Authority registration number 202664), which is a Belgian firmauthorised by the National Bank of Belgium under number 0487. Deemed authorised by the Prudential Regulation Authority.Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority.Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for aProduct:limited periodwhile MortgageBritanniaseeking full authorisation, are available on the Financial Conduct Authority’s website.PaymentProtection – UnemploymentonlyProduct: Co-operative Bank Everyday Extra Travel InsuranceThe informationinformation providedprovided in this document is a summary of theThethe keykey featuresfeatures lsaboutaboutthetheproductproduct isis providedprovided in your policy documents and policy.Whatthis typetypeofofinsurance?insurance?What is thisThiscertain traveltravel closecloserelatives.relatives.This insuranceinsurance provides assistance in the event of Whatis tchargeschargesCancellationup99uptoto 5,000 edicalandandotherotherexpensesexpensesup99uptoto 10,000,000 rtPassportup to 2,500 for the accidental loss of, theft of or damage to99up to 2,500 for the accidental loss of, theft of or damage dDelayedDeparture/AbandonmentDeparture/Abandonment 25 for the first full 12 hours that your departure is delayed,99 25 for the first full 12 hours that your departure is delayed,and;and; 25 for each additional full six-hour period of delay. The99 25 for each additional full six-hour period of delay. ptripisis 250; 250;ororIfafteraminimumof24hoursdelayon99If after a minimum of 24 hours delay ternative.refund OOOPersonalLiabilityLiabilityPersonalup to 2,000,000 (including legal costs and expenses)99up to 2,000,000 (including legal costs and omebecomelegallylegally liableliable toto paypay inaloriginalcausecause u,aa closeisisneitherrelative,relative,anyonein youremploymentor anycloserelative,relative,anyonein youremploymentormemberanyof your householdother thananythantemporaryholiday holidaymemberof your householdotherany otowned)owned)bybyyou.you.accommodationOverseas Legal Expenses and AssistanceOverseas Legal Expenses and Assistance99 illnessillnessorordiseasediseasetotoupuptoto bybyIf toto 2,000 rsionsuptoupto 250) ouryourtrip.trip,.source Are er?cover? Important Information!9 ImportantCovers Informationyou, your partner, and all dependent children who Coversyou, yourpartner,and all dependent children whoare 22 yearsof ageor under.are 22 years of age or under. TheThe avellingtravellingwithwiththetheaccount itions.definitions. CoverCover isis ).Sports). Covers trips of up to 45 continuous days (trips involving WinterCoversSportstrips ofactivitiesup to 45arecontinuous(tripsininvolvinglimited todays21 daystotal inWinterSports period).activities are limited to 21 days in total inany12-monthany 12-monthperiod). Dependentchildrenare covered when travellingindependentlyof theareaccountholder(s).No excesses are Dependent childrencoveredwhen travellingpayableon claims.independentlyof the account holder(s). No excesses arepayable on r orcurtailmentcharges89Anyclaimarisingdirectlyor indirectlyfroma ma pre-existing e-existingmedicalconditionsto usandhaveALLALLpre-existingmedicalconditionsto usandwewehavewrittento youacceptingtheminsurance.writtento ces known to you before you purchasedcircumstancesknown to you before you purchasedthis insurance or at the time of booking any trip that couldthis insurance or at the time of booking any trip that couldreasonably be expected to result in a claim.reasonably be expected to result in a claim.Emergency medical and other expensesEmergency medical and other expenses8Any9Anyclaimsarisingdirectlyor indirectlya resultof anypreclaimsarisingdirectlyor indirectlyas aasresultof dALLpre-existingmedicalconditionsto ushavewrittenpre-existingmedicalconditionsto usandandwewehavewrittento toyou accepting them for insurance.you accepting them for insurance.8Any9Costsincurred in obtaining or replacing medication, whichknown toyou beforepurchasedatcircumstancesthe time of departureis knownto beyourequiredor to bethiscontinuedinsuranceoutsideor at thethetimeofbookinganytripthat couldUnited Kingdom.be expected to result in a claim.8reasonably9Costs of morethan 500 or medical repatriation not agreedCostsincurredin byobtainingor replacing medication, whichor authorisedusin advance.time of ordepartureknown torequiredor to8at9theTreatmentservices isprovidedbybea privateclinicorbehospital,continuedoutsidethe UnitedKingdom.health spa,convalescenthomeor any rehabilitation centreunlessconfirmedas medicallynecessaryby ourChiefCostsof morethan 500or medicalrepatriationnotagreed orMedical Officer.authorisedby us in advance.8Treatment9Any expensesincurredafter youreturnedto hospital,the Unitedor servicesprovidedby ahaveprivateclinic orKingdom unless previously agreed to by AXA Assistance.health spa, convalescent home or any rehabilitation centreBaggage,BaggageasDelay,PersonalMoneyunless confirmedmedicallynecessarybyandour PassportChiefOfficer.8Medical9Loss, theftof or damage to valuables or personal moneyunattendedat anytime(includingin a vehiclein theAnyleftexpensesincurredafteryouhave returnedto theorUnitedcustodyunlessof carriers)unlessagreeddepositeda hotelsafe or lockedKingdompreviouslyto byinAXAAssistance.safety deposit box.Baggage, Baggage Delay, Personal Money and Passport8Loss,9Lossor damage due to delay, confiscation or detention bytheft of or damage to valuables or personal moneycustoms or other authority.unattended at any time (including in a vehicle or in the8left9Loss,theft of or damage to unset precious stones, contactcustody of carriers) unless deposited in a hotel safe or locked or corneal lenses, hearing aids, dental or medical fittings,safety deposit box.cosmetics, tobacco, alcohol, antiques, musical instruments,Lossor damagedue to securities,delay, confiscationor lescustomsor othertoauthority.and damagesuitcases.8Loss,9Lossor damagedue totobreakageof sportsequipmenttheftof or damageunset preciousstones,contactordamagelenses,to sportsclothinginoruse.or cornealhearingaids,whilstdentalmedical fittings,tobacco,ofalcohol,antiques, musical instruments,8cosmetics,9Mobile phonesany kind.deeds, manuscripts,securities, perishable goods, bicyclesDelayedDeparture/Abandonmentdamage to suitcases.8and9Claimswhere you do not provide receipts for the restaurantLossor damagedue to breakage of sports equipment ormealsand refreshments.sportsyouclothingwhilstin use.8damage9Claimstowherehave notspentany money.O OOOOMobile phonesOPersonalLiabilityof any kind.DelayedDeparture/Abandonment89Anyclaim arising in connection with a trip solely in theClaimswhereyou do not provide receipts for the restaurantUnitedKingdom.meals and refreshments.Overseas Legal Expenses and Assistanceyou have not spent any money.8Claims9Any whereclaim where we think there is not a reasonable chance ofPersonalLiabilityyou winning the case or achieving a reasonable settlement.claimorarisingin connectionwith awetripsolelyyourin the8Any9Costsexpensesincurred beforeacceptclaim inUnitedKingdom.writing.OverseasLegal Expenses and AssistanceTravel DisruptionAny claim where we think there is not a reasonable chance of8you9Anytravel and accommodation costs, charges and expenseswinning the case or achieving a reasonable settlement.where the public transport operator has offered reasonableCostsor expensesincurredbefore we accept your claim l DisruptionAny travel and accommodation costs, charges and expenseswhere the public transport operator has offered reasonablealternative travel arrangements.O
Where am I covered?You are entitled to travel insurance for trips taken worldwide while you hold an Everyday Extra current account.What are my obligations?Cover commences on the date you open an Everyday Extra current account and will continue for each month you hold that account and continue to paythe monthly subscription.When and how do I pay?Subscription is included in the monthly payment you make for your Co-operative Bank account.When does the cover start and end?Cover commences on the date you open an Everyday Extra current account and will continue for each month you hold that account and continue to paythe monthly subscription.If you cancel your Everyday Extra current account mid-term and/or cease to pay the monthly subscription then all cover will cease from the expiry date ofyour subscription, whether or not you are on a holiday at the time.How do I cancel the contract?You can cancel your Everyday Extra, Privilege or Privilege Premier current account by contacting The Co-operative Bank using the following methods: Telephone: 03457-212-212 In writing: Customer Services Manager, The Co-operative Bank p.l.c., P.O. Box 222, Unit 550, Metroplex Business Park, Broadway, Salford Quays,Manchester M50 2UE By your secure message site if you are registered for online banking with the Co-operative BankIPA/TI/07/2021
Breakdown InsuranceInsurance Product Information DocumentCompany: RAC Motoring Services & RAC Insurance LtdProduct: Co-operative Bank Everyday Extra UK & European Motor Breakdown CoverBreakdown cover provided by RAC Motoring Services (310208) and RAC Insurance Ltd (202737). Registered in England, United Kingdom; RegisteredOffices: RAC House, Brockhurst Crescent, Walsall WS5 4AW. RAC Motoring Services is authorised and regulated by the Financial Conduct Authorityin respect of insurance mediation activities. RAC Insurance Ltd is authorised by the Prudential Regulation Authority and regulated by the FinancialConduct Authority and the Prudential Regulation Authority.This InsuranceInsurance ProductProduct InformationInformation DocumentDocument isis intendedintended toto provideprovide aa summarysummary ofof thethe mainmain coveragecoverage andand exclusionsexclusions ofof youryour policy.policy. ItIt isis notnotThispersonalised toto youryour specificspecific individualindividual needsneeds inin anyany way.way. CompleteComplete pre-contractualpre-contractual andand contractualcontractual informationinformation isis providedprovided inin youryour policypolicypersonalised documentation.What isis thisthis typetype ofof insurance?insurance?WhatRAC BreakdownBreakdown InsuranceInsurance isis intendedintended toto offeroffer servicesservices relatingrelating toto thethe breakdownbreakdown ofof vehicles.vehicles. ItIt meetsmeets thethe demandsdemands andand needsneeds ofof thosethose whowho wishwish totoRACensure the risk of the breakdown of vehicles is met now and in the future.What is insured?What is insured?Personal CoverPersonalCoverAccount holders are covered in any vehicle they are travelling in Account holders are covered in any vehicle they are travelling inRoadsideRoadside lefromfromyouryourhomehome ngerspassengersupuptoto1010milesmilestransport What is not insured?What is not insured? erO Anyone ownwhichhasoccurredpriortotopurchaseO Anythingwhichisnotabreakdowne.g.a g.aroadcollisionO Any resource or equipment required to repairtrafficor recover theresource or equipment required to repair or recover theO Anyvehiclewhich is not normally carried by RACvehicle which is not normally carried by RACThe cost of any partsThe cost of any parts OHomeAtAtHome Assistance at or within ¼ mile of your homeAssistance at or within ¼ mile of your homeRecoveryRecovery RAC will extend the service provided under Roadside to any singleRACwill extendtheUKservice provided under Roadside to any singledestinationin thedestination in the UKOnwardTravel Hire Travelcar, alternative transport or overnight accommodationOnwardto allowyou to continueyour journeyif youraccommodationvehicle cannot beHirecar, alternativetransportor overnightrepairedtoallow you to continue your journey if your vehicle cannot berepaired BreakdownEuropean Roadside assistance in Europe, recovery to a local garage and aEuropeanBreakdowncontributiontowards diagnosis and repairsRoadside assistance in Europe, recovery to a local garage and a Alternative transport or accommodation whilst the vehicle iscontribution towards diagnosis and repairsrepaired AlternativeHelp gettingyou and oryourvehicle home ifwhilstit cannotbe repairedtransportaccommodationthe vehicleis byyour planned return daterepaired Replacement driver if you or your passengers cannot drive theHelpgettingyouand yourvehicle home if it cannot be repaired byvehicledue toillnessor injuryyour planned return dateReplacement driver if you or your passengers cannot drive the vehicledue to illness or injury Are there any restrictions on cover?Are there any restrictions on cover?Your vehicle must be UK registered and less than:3.5vehicletonnesmust be UK registered and less than:! Your3.5metrestonnes long (including a tow bar) 5.5 5.5 metres long (including a tow bar) 2.3 metres wide 2.3 metres wide mberofcalloutsintheUKUKisislimitedlimitedtoto5 5inina a1212monthmonth! The verisis! Thelimitedtoto2 2inina a1212monthmonthperiodperiodlimitedEuropean Breakdown is limited to journeys up to 90 days! EuropeanBreakdown is limited to journeys up to 90 daysThe amount of cover per section is highlighted in the terms and! Theamount of cover per section is highlighted in the terms andconditionsconditions
Where am I covered?You are covered in England, Scotland, Wales, Northern Ireland, Jersey, Guernsey and the Isle of ManFor European Breakdown you are also covered in: Albania, Andorra, Armenia, Austria, Azerbaijan, Belarus, Belgium, Bosnia Herzegovina,Bulgaria, Croatia, Cyprus (South), Czech Republic, Denmark, Estonia, Finland, France, Georgia, Germany, Gibraltar, Greece, Hungary, Italy, Kosovo,Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Malta, Moldova, Monaco, Montenegro, Netherlands, Norway, Poland, Portugal, Republicof Ireland, Romania, Russian mainland (west of Urals), San Marino, Serbia, Slovakia, Slovenia, Spain (excluding Ceuta and Melilla), Sweden,Switzerland, Turkey (in Europe) plus Uskudar, Ukraine, Vatican City and any offshore islands of the above, except overseas territories outside ofEuropeWhat are my obligations? You must update The Co-operative Bank straight away if you wish to change your details, such as who is covered and your addressYou must ensure your vehicle is in a legal and roadworthy conditionYou must report a breakdown to the RAC straight away, follow their instructions and comply with their full terms and conditionsWhen and how do I pay? Payment is included in the monthly subscription you make for your Co-operative Bank accountWhen does the cover start and end? The start date is the date you first take out a Co-operative BankEveryday Extra, Privilege or Privilege Premier current accountThis breakdown insurance will renew every month until youcancel your Everyday Extra, Privilege or Privilege Premier currentaccountHow do I cancel the contract?You can cancel your Everyday Extra, Privilege or PrivilegePremier current account by contacting The Co-operative Bankusing the following methods: Telephone:03457 212 212 In writing:Customer Services ManagerThe Co-operative Bank plcPO Box 222Unit 550 Metroplex Business ParkBroadwaySalford QuaysManchesterM50 2UE Or by your secure message site if you are registered foronline banking with the Co-operative BankRAC/BI/07/2021
Mobile Phone InsuranceInsurance Product Information DocumentCompany: Assurant General Insurance Limited.Product: Co-operative Bank Everyday Extra Account Mobile Phone Insurance Policy Authorised in the United Kingdom by the Prudential Regulation Authority and regulatedby the Financial Conduct Authority andPrudential Regulation Authority. Register number: 202735. Head Office: Emerald Buildings, Westmere Drive, Crewe. CW1 6UN.This Insurance Product Information Document is intended to provideprovide aa summarysummary ofof the main coveragecoverage andand exclusionsexclusionsofofyouryourpolicy. Itpolicy.It is not personalized to your specific individual needs in any way.way. CompleteComplete tractualinformationinformationis provided in your policy documentation.providedyourpolicyWhat isis phoneinsurancewhich coverscovers your mobile phone for the incidents detailed below. This policy covers one mobileMobile phone insurance whichphone forfor aa solesole account,account, upup toto twotwo mobilemobile phonesphones onon aa jointjoint ?WhatWhatisis insured?insured?What Covervalue ofof 1,500 1,500Coverforforyouryourmobilemobilephonephone up to a value LossLoss TheftTheft DamageDamage Breakdown outside the manufacturers warrantyBreakdown outside the manufacturers warrantyCover for accessories up to a maximum value of 350Cover for accessories up to a maximum value of s,headphones,headphones, screenscreen s (e.g. calls,Unauthorisedcalls, data)data)upuptoto aa maximumof 2000claimcontractmobilemobilemaximumof 2000perperclaimforforcontractphonesandand 200 200forforPayPay AsAs YouYou GophonesGo phonesphonesHow we settle a claimHow we settle a claimdamaged WeWe youryourdamagedmobile devicemobile deviceClaims for loss and theft will be settled with a Claims for loss and theft will be settled with areplacementreplacementReplacements will come from refurbished or Replacements may come from refurbished orremanufactured stockremanufactured stockexcessofof 75 75isispayablepayableforforeacheach successful claim O AnAnexcessclaim Any incident where you have knowingly put yourAny incident where you have knowingly put yourO mobilephone at risk or not taken care of it. See themobile phone at risk or not taken care of it. See the‘Whatyouthe PolicyPolicy‘What youareareNOTNOTcoveredcoveredfor’for’ sectionsection ofof theDocumentDocumentforforexamplesexamples !!!! !Where am I covered?Are there any restrictions on cover?The mobilephoneanymustbe owned byonthecover?accountAre thererestrictionsholders Accessories are covered only if involved in the sameThe mobilemustbe ownedthe accountincidentas thephonemobilephone,not onbytheirown.holdersUnauthorised network charges are covered from thepointyour mobilephone isonlylostiforstolen,inandup toAccessoriesare coveredinvolvedtheforsameas themobile phone,not ontheir own.24 incidenthours afterdiscoveryof the lossor theft.A claimfor network charges can only be considered after aUnauthorised network charges are covered from theclaimforyourthe mobilemobile phonephoneishasaccepted.pointlostbeenor stolen,and for upWetowillattempttoreplacephoneswithof the24 hours after discovery of the loss s.claim for network charges can only be consideredaftera claimfor the mobilebeen accepted.Morethan2 acceptedclaims phonein any has12 monthperiodper account holderWe will attempt to replace phones with one of the samecolour but we can’t guarantee to do this.More than 2 accepted claims in any 12 month period Your mobile phone is covered worldwide Replacement handsets will be delivered only to a UK address per account holderWhat are my obligations? To report lost or stolen mobile phones to the Police and your network as soon as possibleTell us about your claim as soon as possibleWe may ask you to provide a proof of ownership before we will settle your claimTo report any loss or theft to the place you believe your gadget has been lost or stolen fromWhen and how do I pay?Payment is included in the monthly subscription you make for your Co-operative Bank accountWhen does the cover start and end?Cover starts immediately on the date you open the Co-operative Bank Everyday Extra account and will continue torun whilst your account remains open.If you or the Co-operative Bank close your account, or the Co-operative Bank terminates the cover provided throughthe account, cover will stop immediately.
Where am I covered?Your mobile phone is covered worldwideReplacement handsets will be delivered only to a UK addressWhat are my obligations? To report lost or stolen mobile phones to the Police and your network as soon as possibleTell us about your claim as soon as possibleWe may ask you to provide a proof of ownership before we will settle your claimTo report any loss or theft to the place you believe your gadget has been lost or stolen fromWhen and how do I pay?Payment is included in the monthly subscription you make for your Co-operative Bank accountWhen does the cover start and end?Cover starts immediately on the date you open the Co-operative Bank Everyday Extra account and will continue to runwhilst your account remains open.If you or the Co-operative Bank close your account, or the Co-operative Bank terminates the cover provided through theaccount, cover will stop immediately.How do I cancel the contract?You have the right to cancel your insurance at any time by closing or changing your bank account by contacting theCo-operative Bank using the following methods. Telephone: 03457-212-212 In writing: Customer Services Manager, The Co-operative Bank p.l.c., P.O. Box 222, Unit 550, MetroplexBusiness Park, Broadway, Salford Quays, Manchester M50 2UE Secure message site: if you are registered for online banking with the Co-operative BankA/MP/07/2021
What is this type of insurance? This insurance provides assistance in the event of certain travel emergencies, which impact the safety and security of you, your travel companions or your close relatives. Cancellation or curtailment charges up to 5,000 if cancellation of the trip is necessary and unavoidable or the trip is curtailed before .
