All the protection you need

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All the protection you need

When it comes to protecting what

matters most, from the future of

your family to your home and its

contents, we can help you find

the cover you need.

To find out more you can go to barclays.co.uk/insurance

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Travel insurance

Finer Home Insurance

Personal accident insurance

Life insurance

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barclays.co.uk/homeinsurance | 0800 051 8840*|_{in branch}

Home insurance

at a level that suits you

Contents insurance

Switching promise

When you need to make a claim we

are there for you. Our claims team is

available 24/7, 365 days a year.

£50,000

Standard cover for possessions in your home for theft and damage caused by fire and flood amongst other risks that are listed within policy documents. Cover can be increased up to £80,000 if required.

£10,000

For unspecified valuables such as jewellery and works of art (single items worth more than £2,500 can be specified on your policy).

£3,000

For the theft of belongings in garages and outbuildings. Damage by other insured events, such as fire, is covered up to the contents sum insured.

Important information

Terms, conditions and exclusions apply.

Please read the policy document and summary so you know what’s covered and what’s not.

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Optional extras – for an additional premium

Accidents

Choose from two levels of cover:

First level covers damage to mirrors, fixed glass in furniture and non-portable home entertainment equipment.

Second level covers all other accidental damage to contents in the home.

Bike protection

Worldwide pedal cycle cover to insure your bike for loss or damage at home and away – choose your level of cover up to £2,500.

Worldwide

Worldwide cover for loss or damage to personal belongings including clothing, jewellery, mobile phones, MP3 players, tablets, sports and photographic equipment – choose your level of cover up to £10,000.

How to apply in branch 0800 051 8840* _{barclays.co.uk/homeinsurance} Remember to

have the following to hand:

Details of your property and its contents.

Any claims made in the past five years, including dates and amounts claimed.

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Buildings insurance

£500,000

Standard cover for damage caused to your home by fire, flood, storm and subsidence, amongst other risks that are listed within the policy document.

Up to £100,000

To cover the cost of alternative housing for you and your pets in the event of your home being uninhabitable due to an insured event.

Legal liability

Up to £2 million to cover your legal liability as owner for incidents at the property.

Optional extras for an additional premium

Accidents

Choose from two levels of cover:

First level covers accidental damage to fixed glass and bathroom fittings.

Second level covers accidental damage occurring to all of your building, and its fixtures and fittings, not already covered by your buildings policy.

Switching promise

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Optional extras for both building and contents insurance – for an additional premium

Emergency

Home emergency cover up to £1,000 for call out, parts and labour, including central heating failure, blocked drains and problems with vermin such as rats or wasps inside your property.

Matching items

Cover for undamaged items that form part of a set, suite or pair, should one item be damaged and cannot be repaired or replaced with a match.

Legal expenses

Up to £50,000 to pay for a qualified person to act on your behalf in the event of an employment, consumer, personal injury, or property dispute. Plus, you can call 24 hours a day for confidential legal advice on personal matters.

Protected no claims

Safeguard your accumulated no claims discount if you have been insured and claims-free for five years.

Switching promise

We promise to reimburse any cancellation fees, should you have to pay any to your existing insurer when you switch your home insurance to us. A cancellation fee is a fee charged by your previous insurer for cancelling your insurance and does not include any broker fees or premium you are due to pay. You’ll need to give us evidence of cancellation and

confirmation of the fee paid to qualify.

How to apply in branch 0800 051 8840* _{barclays.co.uk/homeinsurance} Remember to

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Finer Home Insurance

for bespoke high-value protection

Worldwide cover

Cover for your personal belongings wherever you are in the world.

Student cover

Up to £5,000 cover for members of your household in full-time education.

Pairs, sets and suites

We will replace a whole matching set if just one damaged item cannot be replaced.

Fine Arts and Antiques

Optional cover on artworks and antiques for loss or damage in your home or elsewhere, if temporarily removed. There is a single article limit of £15,000 unless individually specified. Will rise up to 200% of amount insured if value increases on death of artist.

Contents insurance

Contents cover worth £80,000

and above.

Finer Home Insurance

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How to apply in branch 0800 051 0693* _{barclays.co.uk/finer} Remember to

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Re-landscaping

Up to £25,000 for re-landscaping your garden after fire, explosion, malicious persons, riot, being hit by vehicles, animals or aircraft, or up to £5,000 for theft or attempted theft.

Leaks

Up to £15,000 for costs of tracing and assessing water leaks.

Public liability cover

Worth up to £10 million.

Second home

Cover can include second homes buy-to-let properties and weekend homes in UK, France, mainland Spain, Republic of Ireland, or Portugal.

24/7

Claims helpline available 24 hours a day, 365 days a year, with a dedicated claims manager to handle your claim from start to finish.

How to apply in branch 0800 051 0693* _{barclays.co.uk/finer} Remember to

Details of your property, including construction type and year of build. Any claims made in the past five years, including dates and amounts claimed. The rebuild cost of your property.

Buildings insurance

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barclays.co.uk/travelinsurance | 0800 015 4751*|_{in branch}

Travel insurance

to suit your holiday plans

Your trip, your insurance

Choose either Single or Annual

Multi-Trip insurance and between three levels

of cover – Travel Essentials, Travel and

Travel Plus.

Cover Travel Essentials Travel Travel Plus

Medical emergency

& repatriation expenses £1 million £5 million £10 million Cancellation/

cutting short your trip £500 £2,500 £5,000

Travel delay £120 £200 £250

Delayed baggage £100 £100 £200

Personal baggage (optional) £500 £1,250 £1,500

Personal money (optional) £250 £400 £500

Personal liability £1 million £2 million £2 million

Legal expenses £10,000 £15,000 £25,000

Independent Traveller cover Travel Plus and Travel Insurance both come with cover for independent travellers, which protects against unforeseen events such as airline strikes, airport closures or an epidemic.

Excesses apply under some sections of cover. Terms, conditions and exclusions apply. Please read the policy document and summary so you know what’s covered and what’s not.

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Optional extra cover – for an additional premium

barclays.co.uk/travelinsurance | 0800 015 4751*|_{in branch}

Wedding

Additional cover for wedding rings and gifts if you’re getting married overseas.

Winter sports

Protection against injury, loss or damage of equipment, unused hire costs and piste closure.

Golf

Cover for equipment, replacement hire costs and green fees.

Business

Covering you if you’re travelling on business (available on Annual Multi-Trip policies only). Travel policy ages

Policies available to those aged 16-79 for Single-Trip, 16-74 for Annual Multi-Trip and under- 16s if they are on a family policy. If you’re over 79 we can still help you to find cover – just call us on 0800 107 7168*_.

Medical and cancellation

Up to £5 million cover for medical emergencies and repatriation, and up to £3,000 cover if you have to cancel or cut short your trip.

Independent Traveller cover

See table for details.

61–365 days

Worldwide cover for 61–365 days for travellers aged 40 and under at the start of their trip.

Optional cover

Options available for personal money, personal baggage and winter sports.

Extended Trip travel insurance

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barclays.co.uk/healthinsurance | 0800 158 3207*|_{in branch}

Personal accident insurance

if the unexpected happens

Personal Accident Plan

Financial protection against any

immediate financial difficulties you

encounter after an accident or injury.

Don’t miss out

You can receive your benefits on top of any other insurance, compensation or state benefits to which you’re entitled.

Up to £250,000

Claim a lump sum,

depending on the extent of your injury, up to £250,000 for Gold Cover.

Instant cover

We won’t keep you waiting.

No medical

You can get cover in minutes.

24/7

Coverage 24 hours a day, 365 days a year, almost anywhere in the world.

Choice

Choose from two levels of accident insurance cover.

Family cover

You have the option to include cover for your partner and children aged six months to 23 years (children have reduced levels of cover – please see the policy summary for details).

Terms, conditions and exclusions apply. Please read the policy document and summary so you know what’s covered and what’s not.

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barclays.co.uk/lifeinsurance | 0800 158 3207*|_{in branch}

Life insurance

Tailored cover so you can keep caring for

your family whatever happens.

Lump sum

A cash lump sum if you die before your policy ends, or if you are diagnosed with a terminal illness before the last 12 months of your policy and you are not expected to live more than 12 months.

Fast cover

Get a quick quote in two minutes, in branch or on the phone, and be covered in 15 minutes.

18–68 years

Cover can be taken from the age of 18–68 and must finish by the age of 70.

Barclays Life Insurance is provided by Aviva Life and Pensions UK Limited.

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Up to £500,000

Cover can be provided from a minimum of £5,000 up to a maximum of £500,000 dependent upon age.

Sole/joint names

Cover can be taken in sole or joint names.

£6 a month

Premiums start from £6 a month and are guaranteed not to change during the life of the policy.

Term cover

Choose from Level, Family Decreasing or Mortgage Decreasing Term cover.

Choice

Choose your level of cover, or the amount you want to pay every month.

From one to 51 years

The term of cover can be from one to 51 years.

Tailored benefits

Barclays Life Insurance is provided by Aviva Life and Pensions UK Limited.

How to apply in branch 0800 158 3207* Remember to

the names of any illnesses that run in your family. information about any medication you’re currently

taking or treatment you’re having. your doctor’s details.

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Life Cover

Life Cover pays out a lump sum if you die during the length of the policy or are diagnosed with a terminal illness and you are not expected to live more than 12 months.

Terminal Illness Cover is not available during the last 12 months of your policy.

Life with Critical

Illness Cover

Life with Critical Illness Cover pays out a lump sum if you die during the length of the policy, or are diagnosed with a terminal illness or with one of the specified critical illnesses.

Terminal Illness Cover is not available during the last 12 months of your policy.

Sole or Joint

You can have cover on a joint or sole basis dependent upon your needs.

Term Cover

You can choose from level or decreasing cover dependent upon the mortgage

repayment method.

Complete

retailer

If you are interested in cover that could be used to help repay your mortgage debts, our Mortgage advisors can offer free advice on Life insurance with or without Critical Illness Cover

From £6

a month

Premiums start from £6 a month and are guaranteed not to change during the life of the policy, unless you make a change to the policy.

Policies are provided by Legal & General

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barclays.co.uk/studentinsurance | 0800 404 6538*|_{in branch}

Other policies you may find useful

Student Possessions Insurance

Up to £500

Individual items covered up to £500 each (or more if you specify separately).

Flexible cover

You can choose the limit of the cover you want, between £2,000 and £8,000.

Money

You can claim up to £100 for personal money that is lost or stolen, and up to £500 for fraudulent use of credit and debit cards anywhere in the world.

Computer

Optional cover for loss or damage to your personal computer equipment within the UK (between £500 min and £2,000 max).

Up to £250

Accidental damage cover for home entertainment equipment, mirrors and glass.

Up to £1,000

Tenant’s liability cover including cover for loaned college property and library books.

Protection

Protection against fire, theft, flood, civil unrest

and other risks.

Portable

Option to extend cover to portable items including mobile phones. Important information

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Insurance packages

Choose the most relevant package for

your trade or profession, with no need to

select individual covers. Each package

includes key covers for your chosen

industry and you’ll have the option to

include extra protection – to tailor the

package to your needs.

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_{Other policies}

|

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Complete

contractor

For construction trades or professional services.

Complete

business

For manufacturing, assembling, warehousing and other businesses.

Complete

motor

trade

Specialised cover for those in the motor trade.

Complete

property

owner

Insurance for landlords of commercial and residential properties.

Complete

office

For all types of offices and surgeries.

Complete

retailer

For shops,

restaurants and bars.

Complete

home-working

For those who work from home.

Individual

cover

Choose individual covers to build your own package. Select from 23 different types of cover.

Insurance packages

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Data Protection Act

Under the Data Protection Act you have a right of access to certain personal records. Should you wish to exercise this right, please write to the Data Protection Team, Barclays Bank PLC, Knutsford, Cheshire WA16 9EU, quoting ref. APP99. A fee will be charged for this service. Barclays Bank PLC is covered by the Financial Ombudsman Service (UK branches only).

Disclosure (in relation to insurance cover provided as part of the Barclays Current Account range)

You are responsible for providing complete and accurate information to insurers when you take out your insurance policy, throughout the life of your policy, and when you renew your insurance. It is important that you ensure that all statements you make on the proposal forms, claim forms and other documents are full and accurate. If you fail to disclose any information to your insurers, this could invalidate your insurance cover and could mean that part or all of the claim may not be paid.

Governing law (in relation to insurance cover provided as part of the Barclays Current Account range)

If you buy insurance in the United Kingdom, you can choose which law will apply to your policy. Unless you and the Insurer make a written agreement saying otherwise before the policy is issued, the law of England and Wales will apply. The governing law for Aviva Life Insurance is the law of England and Wales only, so for Life Insurance and Over 50’s Life Assurance English law will apply.

The Direct Debit Guarantee

This Guarantee is offered by all Banks and Building Societies that take part in the Direct Debit Scheme. The efficiency and security of the Scheme is monitored and protected by your own Bank or Building Society. If the amount to be paid or the payment date changes, you will be told of this in advance by at least 14 days as agreed. If an error is made by the company or your Bank or Building Society, you are guaranteed a full and immediate refund from your branch of the amount paid. You can cancel a Direct Debit at any time by writing to your Bank or Building Society. Please also send a copy of your letter to the originator/company.

Your feedback

We want to hear from you if you feel unhappy with the service you have received from us. Letting us know your concerns gives us the opportunity to put matters right for you and improve our service to all our customers. You can complain in person at your branch, in writing, by email or by telephone. A leaflet detailing how we deal with complaints is available upon request in any of our branches, from the Barclays Information Line on 0800 400 100* or at barclays.co.uk Alternatively, you can write to Barclays, Leicester LE87 2BB.

If we do not resolve your complaint internally to your satisfaction, you may be able to refer it to the Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR (Tel: 0845 080 1800*). The Financial Ombudsman Service is an organisation set up by law to give consumers a free and independent service for resolving disputes with financial firms. Details of those who are eligible complainants can be obtained from the Financial Ombudsman Service.

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If you want to talk through or find out more

about anything in this brochure, visit any

branch, call us or visit our website.

Online

barclays.co.uk/insurance

By phone

0845 301 0345

*

Visit us

in branch

To get this in Braille, large print or audio call 0800 400 100

*

_{(via Text Relay)}

or visit barclays.co.uk/accessibleservices

Call monitoring and charges information

*_{Calls may be recorded and/or monitored for security and training purposes. Calls to 0800}

numbers are free from a UK landline. For BT residential customers calls to 0845 numbers will cost no more than 4.1p per minute, plus a 15p call set-up fee (current at October 2013). The price of non-BT lines may differ.

The insurer of Student Possessions Insurance and the insurer of Barclays Home Insurance is Gresham Insurance Company Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered Office: 8 Surrey Street, Norwich, Norfolk NR1 3NG. Registered in England, Registered No. 110410. Barclays Travel Insurance is administered by FirstAssist Insurance Services which is a trading style of Cigna Insurance Services (Europe) Limited. Cigna Insurance Services (Europe) Limited is authorised and regulated by the Financial Conduct Authority. This policy is underwritten by Great Lakes Reinsurance (UK) PLC, which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Barclays Personal Accident Insurance is arranged by Barclays Insurance Services Company Limited and underwritten by Aviva Insurance Limited. Aviva Insurance Limited. Registered in Scotland, No. 2116. Registered Office: Pitheavlis, Perth PH2 0NH is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Barclays Insurance Services Company Limited is authorised and regulated by the Financial Conduct Authority (Financial Services Register No. 312078). Registered in England, Registered no: 973765. Registered Office: 1 Churchill Place, London E14 5HP. The insurer for Life Insurance and Critical Illness Cover mortgage-linked is Legal & General Assurance Society Limited, who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Barclays Bank PLC act as an introducer to Allianz Insurance plc for Barclays Business Insurance which is arranged, administered and underwritten by Allianz Insurance plc (registered number 84638), registered office 57 Ladymead,

Guildford, Surrey GU1 1DB. Allianz Insurance plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register number 121849. Barclays Bank PLC is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register No. 122702). Registered in England. Registered No. 1026167. Registered Office: 1 Churchill Place, London E14 5HP.