ULTIMATE REWARD
CURRENT ACCOUNT
.
Getting started guide
For use from 30th July 2015
2
WELCOME TO THE ULTIMATE
REWARD CURRENT ACCOUNT
.
CHANGES TO YOUR BANK ACCOUNT TERMS AND CONDITIONS.
We are making some changes to the conditions that apply to our Bank Accounts, including
a redesign of the general Bank Account terms and conditions. The changes will take effect
from 22nd November 2015, unless we tell you a different date in the Guide to Changes.
We’re also making some changes to the benefits and terms and conditions of your Ultimate
Reward Current Account.
Please see page 95 for the Guide to Changes, page 101 for the new Bank Account terms
and conditions and page 141 for the updated Ultimate Reward Current Account terms
and conditions.
Contents
Your benefits at a glance
3
Key benefit exclusions
4
Getting started
7
Introducing your benefits
17
Worldwide multi-trip family travel insurance
18
AA Breakdown Cover
22
Mobile phone insurance
25
Home emergency cover
27
Card Cancellation
30
Important information
32
Bank Account terms and conditions
34
Guide to Changes
95
New Bank Account terms and conditions – Applies from 22nd November 2015
101
New terms and conditions supplied as part of your Ultimate Reward Current Account –
Applies from 22nd November 2015
141
3
YOUR BENEFITS AT A GLANCE
.
All of this for £15 a month
You’ll pay a lower monthly account fee of £10 if in the previous calendar month you:
•
Pay in £750 or more
•
Have a minimum of two different direct debit mandates paid from your account
•
Stay in credit throughout the month
You also need to keep your account open/not change it to a different type of current account
until the fee is due to be debited from your account which will be by the second working day of
the following calendar month.
Key benefits
Travel insurance
•
Worldwide multi-trip family travel cover•
Covers winter sports and golf trips•
Covers UK trips where accommodation is pre-booked for 2 nights or more•
Includes cover for:−– Personal belongings up to £1,500
– Single article, pair or set of articles up to £300
– Valuables up to £500 in total, money up to £500 (cash £300). Car breakdown cover
•
Provides cover within the UK, Channel Islands and Isle of Man•
Roadside Assistance•
Home Start•
Customer covered, not the vehicle.Mobile phone insurance
•
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 per claim•
Covers for loss, theft, accidental damage, breakdown, water damage.Home emergency cover
•
Covers a sudden unexpected incident to your home which needs immediate action to; – Make it safe or secure and avoid damage or more damage– Make it fit to live in
– Restore electricity, gas or water services if they have totally failed
•
Provides a qualified person chosen by us to deal with the emergency up to £250. Card Cancellation•
Covers all financial cards – call us if they’re lost or stolen and we’ll arrangeto cancel them.
All insurance benefits are only available to customers permanently residing in the UK,
Channel Islands and Isle of Man. (Please note there is no insurance cover with Card Cancellation.)
We use a range of third party providers for the benefits offered and as with all insurance
some exclusions and excesses apply. Details of the individual benefit providers along with any
exclusions and excesses can be found on the relevant benefit page within this guide.
4
KEY BENEFIT EXCLUSIONS
.
The detail included on these pages (4 and 5) are the key exclusions only. Please ensure
you read the full benefit sections to understand all the benefits and exclusions of the policies.
Key benefit exclusions
Travel insurance
•
Cover ceases fully on your 71st birthday (65th for winter sports cover)•
Cover includes your spouse, civil partner or partner (who you live with) and children under 16 or under 23 and in full time education. Children are not covered for independent travel•
Pre-existing medical conditions are not covered unless agreed by the insurer•
The maximum trip duration is 31 days, for Winter sports a maximum 24 days cover in any 12 month period•
You will pay a maximum excess of £50.Car breakdown cover
•
Does not include AA Relay, which would recover you to any single UK destination of your choice. Under this cover if it is not possible to fix the vehicle at the roadside, you will be recovered to a local repairer of the AA’s choice or a destination of your choice provided it is no further.Mobile phone insurance
•
Excess is £100 for Apple iPhones, £30 for all other handsets.Home emergency cover
•
This policy is to deal with ‘home emergencies’ needing immediate attention only and will cover costs up to a maximum of £250. It does not cover broken freezers for example.5
Additional exclusions you need to knowTravel
insurance
•
Claims relating to any previously diagnosed psychiatric disorders, depression, anxiety, stress or phobias are not covered.•
Medical conditions of close relatives, travelling companions or people with whom you are planning to stay with on your trip whose health may affect your decision to travel or remain overseas may not be covered.•
Cover is excluded for certain hazardous activities (see pages 63 and 64).•
Claims where you cannot provide proof of purchase. Carbreakdown cover
•
You are not covered if you have exceeded five call-outs per 12 month period (seven for a joint account).•
You may not be covered for same or similar causes of breakdown to that which the AA attended within the previous 28 days.•
Does not provide recovery for any vehicle following an accident.•
You are not covered when travelling in a car, van, minibus or motorcycle exceeding the weight restriction of 3.5 tonnes and max width restriction of 7ft 6in (2.3m).Mobile phone insurance
•
Theft, loss, damage or breakdown where you have knowingly put your mobile phone at risk or you have not taken care of it. Examples are provided in the “What you are NOT covered for” section of the Policy Document.Home emergency cover
•
Any loss where you did not contact us to arrange repairs in the first instance.•
Where you are a tenant and are required to report emergencies to the home owner or the managing agent to instruct the appropriate engineer.•
Any claim if your home is left unoccupied for over 60 days.Actions you must take when you need to make a claim Not taking these actions could result in your claim being declined
Mobile phone insurance
•
If your phone is lost or stolen, you must notify the police and your airtime provider as soon as possible.Home emergency cover
•
You must contact us first before instructing any other tradesman.•
If you are a tenant, you must get agreement from your landlord before contacting us.6
MEDICAL SCREENING
FOR TRAVEL INSURANCE
.
Your Worldwide Travel Insurance doesn’t include cover for pre-existing medical conditions. So
before you travel please take a good look at our medical screening questions.
To make sure your policy fully covers you for any trip it’s important that when you make a travel
booking you tell us about any pre-existing medical condition affecting the health of the people
travelling – you, your spouse, partner or children. Travel insurance is provided by First Assist
Insurance Services.
Medical screening questions
If you answer yes to either of these medical screening questions please call us on
0345 124 1400
,
as this affects your policy and you may not be covered.
In relation to any person to be insured, does anyone have or previously had any medical
condition for which:
(a) they are currently taking prescribed medication, or,
(b) they are waiting to receive, or have received treatment (including surgery, tests or
investigation) within the last 6 months prior to the opening of this account, or within
6 months prior to booking any trip, whichever is later.
Extending your cover
We may be able to extend your cover to include a pre-existing medical condition. Please call
0345 124 1400
or log onto
www.halifax.co.uk/ultimate-benefits
and click medical screening.
If we extend the cover we may charge an additional premium.
IMPORTANT.
Exclusions apply to those people upon whom your decision to travel or return home
depend. For example a relative or colleague. For more information please see the
Worldwide Multi-Trip Family Travel Insurance section on page 18 of the Getting
started guide.
7
GETTING STARTED
.
It’s easy as 1, 2, 3. Just follow these simple steps to start getting the most from your account.
1
Call us
Phone
0345 124 1400
and we can register your debit cards, credit cards, mobile phone and any
pre-existing medical conditions. Or go online to
www.halifax.co.uk/ultimate-benefits
•
Your worldwide multi-trip family
travel insurance doesn’t include cover
for pre-existing medical conditions.
To see if the insurer will cover a
condition call the number above or visit
www.halifax.co.uk/ultimate-benefits
and
click onto medical screening. An additional
premium may apply. See page 18 for
more detail.
•
For your mobile phone insurance, let us
know the make and model of your phone,
your mobile phone number, the IMEI
number and your account number and sort
code. If you ever need to claim this will make
the process quicker and simpler. See page 25
for more details about your policy.
•
If you register your cards with us now for
Card Cancellation it will make it quicker and
easier should you need to contact us. See
page 30 for more details.
2
Switch it
Move your regular payments to us including
direct debits and standing orders. If you’d like
us to help, just call our Switching Team on
0345 602 5293
. They’re available Monday to
Friday, 8am-8pm and Saturday 8am-4pm. For
more on switching see page 8.
3
Get online
Register for online banking – it’s quick, easy
and secure. Make sure you have your account
number and sort code to hand and go to
www.halifax.co.uk/register
For more on
online banking see page 13.
8
SWITCHING
MADE EASY
.
There’s nothing to it. Just pop in branch to let
us know you want to switch and we’ll switch
your account in just seven working days.
Name the date you’d like to switch – anytime
from seven working days from now up to 30
days ahead if you’re not ready to switch just
yet. We’ll need your account details, including
the 16-digit number from your debit card for
the account you want to switch from.
We’ll transfer your payment arrangements and
deal with your old bank so you don’t have to.
For more details about switching to us, ask in
branch or call
0345 602 5293
. Lines are open
Monday to Friday, 8am-8pm and Saturday
8am-4pm.
Overdrafts for customers in
Northern Ireland
If you are a customer in Northern Ireland,
when switching your current account to us,
you won’t pay any daily planned overdraft fees
for the first three months after opening the
account. This is to comply with the regulatory
requirements in Northern Ireland. To qualify,
your address must be in Northern Ireland and
you must either switch to us using a Northern
Ireland branch or switch online or over the
phone. If you use an unplanned overdraft,
unplanned daily overdraft fees will apply.
Overdrafts are subject to status and repayable
on demand.
Fees for other services, such as for using your
card abroad or for special services, will still
apply. Don’t worry we will refund any fees or
charges you incur as a result of any error we
make during your switch.
We’ll tell you when your overdraft without
daily planned overdraft fees will start and end.
After this period our daily planned overdraft
fees will apply. We’ve kept these simple so you
know exactly how much an overdraft will cost
you. Also remember, if in a calendar month
you do not pay in £750 or more or do not pay
out a minimum of two different direct debit
mandates or you do not stay in credit or if you
close your account or change it to a different
type of current account before the monthly
account fee is due to be taken from your
account, you will pay the full monthly account
fee of £15 rather than the lower monthly
account fee of £10 the following calendar
month. For more information on our daily fees
see page 9.
9
EASY
-
TO
-
UNDERSTAND OVERDRAFTS
.
Overdrafts are handy things – especially
when unexpected expenses crop up or if
everyday costs leave you a little short just
before payday.
Our overdrafts are easy to understand
and manage. We charge a daily fee when you
use it – so you can see exactly what you’re
paying. And if you’re overdrawn in the
morning, but pay money in to bring your
account back into credit by the end of the
same day, you won’t pay the daily fee for
that day.
NOT SURE OF OUR OVERDRAFT TERMS?
Check out our overdraft glossary on
the next page.
Here’s how it all works…
If you...
Your daily fee will be
Use a planned overdraft up to and including £300 n/a Use a planned overdraft from £300.01 up to and including £1,999.99 £1 a day Use a planned overdraft between £2,000 and £2,999.99 £2 a day Use a planned overdraft of £3,000 and over £3 a day Use an unplanned overdraft £5 a day
REPRESENTATIVE EXAMPLE
.If you use a planned overdraft of
£1,200
then we’ll charge you a daily fee of
£1
. For Ultimate Reward
Current Accounts, you will pay the higher Monthly Account Fee of
£15
rather than
£10
if you use your
overdraft. This means there will be an indirect additional cost of
£5
if you use a planned overdraft on
this account.
Remember, if you do not remain in credit during the month you will pay the full monthly
account fee of £15 rather than the lower fee of £10.
Whether you can have an overdraft, and the amount available, will depend upon your personal
circumstances at the time you apply. Any overdraft we agree is offered subject to status and
repayable on demand. You need to be aware you may not get the full £300 overdraft.
See page 53 for more about our overdrafts.
10
OVERDRAFT GLOSSARY
.
Overdraft
An overdraft is a type of borrowing facility. It
lets you borrow money through your current
account in the short term. Think of it as a
temporary back-up to tide you over until
pay day. As long as you’re careful, using your
overdraft facility can be a perfectly reasonable
way to manage your money.
Planned overdraft
An overdraft you have agreed in advance with
us. We agree to an amount you can borrow
and this is your overdraft limit.
Unplanned overdraft
If you go overdrawn and haven’t taken out
a planned overdraft or you go over your
planned overdraft limit, this is an unplanned
overdraft. The cost of using an unplanned
overdraft is higher than the cost of using
a planned overdraft. To avoid using an
unplanned overdraft, it’s worth having a
suitable planned overdraft ready.
Buffer
An amount of planned or unplanned overdraft
that you don’t pay any daily overdraft fees
or interest on for using it. If your account is
overdrawn by less than the buffer amount,
you won’t pay any daily overdraft fees
or interest.
Returned item fee
A fee we charge where you don’t have
enough available money to make a payment
and we don’t agree to give you or extend an
unplanned overdraft. In this case we won’t
make the payment. Applies to Easycash,
Cardcash and Student Current Account only.
We will not charge Returned item fees if you
are aged under 18.
Unplanned overdraft monthly fee
A fee we charge for every month in which
you have an unplanned overdraft at any time.
Applies to Student Current Account only.
Planned overdraft daily fee
A daily fee we charge for your use of a
planned overdraft. You will only be charged
the daily planned overdraft fee for the days
you use your overdraft. Applies to Ultimate
Reward Current Account, Reward Current
Account and Current Account only.
Unplanned overdraft daily fee
A daily fee we charge for your use of an
unplanned overdraft. You will only be charged
the daily unplanned overdraft fee for the days
you use your overdraft. Applies to Ultimate
Reward Current Account, Reward Current
Account and Current Account only.
Planned debit interest
Interest we charge on the amount you are
overdrawn on your planned overdraft. Applies
to Student Current Account only.
Unplanned debit interest
Interest we charge on the amount you are
above your planned overdraft limit. Applies to
Cardcash and Student Current Account only.
There is no debit interest to pay if you are
under 18.
11
YOUR HALIFAX VISA
DEBIT CARD
.
A quick, safe way to pay
Your account comes with a Visa debit
card that you can use to:
•
Pay for just about anything – here and
abroad. Just look out for the Visa sign
•
Take out up to £500 cash (or equivalent
currency) per account holder from cash
machines around the world. To make sure
you can use your card abroad, register
it with us before you travel by calling
0345 720 3040
•
Buy things over the phone and online.
Your card is covered by Halifax
Secure for Internet purchases – visit
www.halifax.co.uk/secure
to find
out more.
You can even get cashback from some shops
and supermarkets when you use your Visa
debit card. But don’t forget to keep your PIN
safe at all times by shielding it when using
cash machines and buying goods and services
in shops.
Important point to note
If you use your debit card to withdraw cash or
pay for goods and services in a currency other
than sterling, the exchange rate we use will be
the Visa Payment Scheme Exchange Rate. We
will charge a non-sterling transaction fee of
2.75% of the amount of the transaction and
a £1.50 non-sterling purchase or non-sterling
cash fee for each payment or withdrawal.
Alternatively, if you choose to complete your
cash withdrawal using the overseas Bureau or
cash machine provider’s conversion rate to
sterling, we will only charge a foreign cash fee
of £1.50. The provider of the foreign currency
may make a separate charge for conversion.
Cash machines
As well as getting cash in a dash, you can use
Halifax and Bank of Scotland cash machines to:
•
Pay in cheques
•
Top up pay-as-you-go mobiles
•
Change your PIN
•
Pay your bills.
And when you take out cash, it’s free from
most machines with a LINK logo, but you
might have to pay with other cash machines,
including overseas ones.
12
PAYING MONEY IN
AND TAKING IT OUT
.
Paying money in
You can pay in cash or cheques at any of our
branches over the counter or at an Immediate
Deposit Machine (IDM) if they have one. You
can even pay foreign currency and cheques
into your account. Just ask in branch and we’ll
talk you through it – including any fees.
Taking money out
As long as you have enough money in your
account, you can take out up to £500 a day
from a cash machine and £2,500 over the
counter in any branch. If you need more
than that, please let us know beforehand.
Type of
payment
Where paid in
When you can
withdraw funds
Cash
In branch or using an Immediate Deposit Machine before 5pm, or using an
Express Pay-In before 4pm Same day In branch or using an Immediate Deposit Machine after 5pm, or using an
Express Pay-In after 4pm Next working day In branch or using an Immediate Deposit Machine or Express Pay-In on a
non-working day Same day Via a cash machine Next working day
Cheques
In branch or using an Immediate Deposit Machine before 5pm*, or using an
Express Pay-In before 4pm 4 working days after the day of deposit In branch or using an Immediate Deposit Machine after 5pm*, or using an
Express Pay-In after 4pm or on a non-working day 5 working days after the day of deposit Via a cash machine 5 working days after the
day of deposit * 2pm if using an Immediate Deposit Machine in Northern Ireland.
If the cheque is returned to us without being
paid we may take the amount of the cheque
out of your account, unless more than 6
working days have passed since the day you
paid the cheque in. After 6 working days have
passed, we cannot take the amount of the
cheque out of your account unless you have
been a knowing party to fraud.
Faster payments
It’s possible to make faster payments
electronically, and these normally just take
two hours instead of several days. It’s a free
service but you’ll just need to check that the
bank or building society you’re paying money
into accepts this type of payment.
13
MANAGING
YOUR ACCOUNT
.
It’s simple to look after your account online, in branch or by phone.
24/7 online banking
www.halifax.co.uk/online
With online banking you can have
round-the-clock access to your accounts. All you have to
do is register at
www.halifax.co.uk/register
.
Then you can:
•
Check your balance and see statements on
all Halifax accounts.
•
Move money between accounts.
•
Pay bills, view and delete direct debits and
set up new standing orders.
Safe and secure
You’re covered by our online fraud guarantee,
which means we’ll pay back any money you
lose in the unlikely event that you’re a victim
of fraud.
Check out
www.halifax.co.uk/online
24/7 telephone banking
0345 720 3040
Call us anytime, night or day to use our easy
automated telephone banking service. Once
you’ve set up your security details by calling
0345 720 3040
, you can:
•
Check your account balance
•
Listen to details of recent transactions
•
Pay bills and transfer money
•
Transfer money to other accounts
•
Set up or change standing orders and cancel
direct debits
•
Ask for a new PIN and get information on
other Halifax products and services.
•
And if you’d prefer to speak to a real person,
our advisers are always on hand to help.
If you need to call us from abroad or by
mobile, you can also call us on
0113 242 1984
.
Not all Telephone Banking services are
available 24 hours a day, 7 days a week. Please
speak to an adviser for more information.
STANDING ORDERS
,DIRECT DEBITS AND
FUTURE DATED PAYMENTS
.If you don’t have enough money in your
account at the beginning of the day a
payment is due, you have until 3.30pm to
pay money into your account to make the
payment that day.
The money needs to be available to use
straight away, so you could transfer money
from another personal account you have with
us via Internet, Mobile or Telephone Banking
or pay in cash over the counter in branch.
Future dated payment
You can set up a payment up to 31 days
in advance if you want to make a one off
payment to go to a specific account in the
UK. It’s a smart way to set up a payment in
advance so you don’t forget.
14
Mobile banking
Always on the go? You can even do your
banking on the move with Halifax Mobile
Banking. Just use our free app to sign in to
Online Banking and you can:
•
View your balance
•
See your transaction history
•
Transfer money between your personal
Halifax accounts
•
Make payments to new and
existing recipients
•
Find your nearest Halifax branch or
LINK ATMs in the UK
•
Access useful Halifax phone numbers.
Or you can access Halifax Mobile Banking
through your mobile browser – we’ve
optimised Online Banking so it looks great
on internet-enabled mobiles.
Pay a Contact is a new way of sending and
receiving money. It works by using a mobile
number instead of a sort code and account
number. Visit
www.halifax.co.uk
for further
details. Terms and conditions apply.
IT’S EASY TO REGISTER.
•
Go online at
www.halifax.co.uk
•
Call us on
0345 720 3040
•
Pop into any of our branches
Mobile alerts
Keep in touch with your money when you’re
on the move with our Mobile Alerting service.
Once it’s set up we’ll send you texts:
•
When you’re within £50 of your planned
overdraft limit
•
To let you know if you go into an unplanned
overdraft (one you haven’t agreed with us
in advance)
•
To remind you each day you stay in an
unplanned overdraft.
You can also set high and low balance alerts
to keep track of what’s in your account. We
can even send you alerts to let you know
when your card is being used abroad, to help
you spot transactions that may be fraudulent.
And so you’re always on top of your account,
we can send you a weekly update text with
your balance and last six transactions.
We won’t charge you for this service, but if
you receive texts while abroad, your network
service provider may charge you.
Your mobile operator may charge for some
services, please check with them. Services may
be affected by phone signal and functionality.
You must be registered for Online Banking.
Terms and conditions apply.
15
INTERNATIONAL
PAYMENTS
.
We can help you send money
anywhere in the world – quickly
and safely.
Give us the payment details and we’ll put the
money where it’s meant to be, and we can
also save the details for next time. To find out
more, including our fees, just call us, visit your
local branch or sign in to your online banking.
If you’re not registered for online banking, you
can register at
www.halifax.co.uk/register
COMMISSION
-
FREE
TRAVEL MONEY
.
Commission-free travel money
Log into online banking at
www.halifax.co.uk/online
If you’re going away on holiday, you’re with
the right bank, because:
•
We won’t charge any commission on
foreign currency
•
There’s no commission on American Express
®traveller’s cheques
•
We’ll change any foreign-currency notes
and traveller’s cheques back to sterling free
of charge
•
We’ll deliver your travel money direct to
your home or local branch if you prefer.
For more details on our travel money
service including our home delivery
fees and delivery timescales please visit
www.halifax.co.uk/travel
American Express
®is a registered trademark of
American Express Company.
How to order
•
Visit
www.halifax.co.uk/online
•
Call
08452 46 00 06
(lines open Monday
to Friday 8am – 10pm, Saturday and Sunday
10am – 8pm)
•
Pop into your local branch
TOP TIP.
It’s a good idea to take a range of
different ways to pay, including cash and
debit and credit cards. To stay safe, make
sure you carry everything separately.
16
IDENTITY THEFT ASSISTANCE
.
Call us for help and advice 24/7 if you think someone’s stolen your
personal details.
Identity fraud is one of the fastest growing
types of frauds in the UK. And the truth
is, if someone steals your personal details
for their own benefit, the results can
be devastating. Once a thief has your
information, it’s possible for them to:
•
Open new credit card or bank accounts, and
run up debts in your name
•
Take out credit or loans in your name
•
Change the billing address for your accounts
so you don’t know there’s a problem.
Free help and advice
As an Ultimate Reward Current Account
holder, you automatically get unlimited access
to a confidential identity theft advice line.
So if you suspect that your personal details
have been stolen, call our team. They can
provide help and advice 24 hours a day, talk
you through what you need to do and get
you back on track as quickly as possible.
How to contact us
For free identity theft advice call the
Customer Services Team on:
0345 124 1400
,
24 hours a day, 7 days a week.
TOP TIP.
Save our emergency contact
number,
0345 124 1400
, in your
mobile phone in case you need
identity theft assistance.
17
INTRODUCING YOUR BENEFITS
.
At home. Abroad. On the road. On your mobile. Your Ultimate
Reward Current Account has all this covered and more.
Here’s all you need to know about your individual benefits and how they can protect you and
your family.
Your benefits
page
Worldwide multi-trip family travel insurance 18
AA Breakdown Cover 22
Mobile phone insurance 25
Home emergency cover 27
Card Cancellation 30
How to make a claim
Your account benefits are there to help and
protect you both at home and abroad. If you
need to make a claim, you’ll find details about
how to do this on the individual benefits
pages that follow.
18
WORLDWIDE MULTI
-
TRIP
FAMILY TRAVEL INSURANCE
.
Our travel insurance covers you, your spouse or partner (who you live with), and children under 16 or
under 23 if they’re in full time education. And with personal belongings, winter sports and even golf
trips included as standard, you can relax knowing our cover ticks all your boxes, subject to eligibility.
To ensure you’re fully covered it’s important you tell us at the time of booking about any
pre-existing medical condition affecting the health of the people travelling. To see if your
cover can be extended for a pre-existing medical condition please call
0345 124 1400
or
log onto
www.halifax.co.uk/ultimate-benefits
and click medical screening.
This summary outlines cover available under our travel insurance, which is administered by
FirstAssist Insurance Services and underwritten by Great Lakes Reinsurance (UK) PLC. For full
details of exclusions and conditions please see the full Terms and Conditions on page 60.
Key benefit
•
Worldwide multi-trip family travel cover•
Covers winter sports and golf trips•
Covers UK trips where accommodation is pre-booked for 2 nights or more•
Includes cover for;– Personal belongings up to £1,500
– Single article, pair or set of articles up to £300
– Valuables up to £500 in total, Money up to £500 (cash £300)
Key benefit exclusions
•
Cover ceases fully on your 71st birthday (65th for winter sports cover)•
Cover includes your spouse, civil partner or partner (who you live with) and children under 16 or under 23 and in full time education. Children are not covered for independent travel•
Pre-existing medical conditions are not covered unless agreed by the insurer•
The maximum trip duration is 31 days, for winter sports a maximum 24 days cover in any 12 month period•
You will pay a maximum excess of £50Additional exclusions you need to know about
•
Claims relating to any previously diagnosed psychiatric disorders, depression, anxiety, stress or phobias are not covered•
Medical conditions of close relatives, travelling companions or people with whom you are planning to stay with on your trip whose health may affect your decision to travel or remain overseas may not be covered•
Cover is excluded for certain hazardous activities (see pages 63 and 64)19
Section
Cover description
Limit
of cover
Excess per
successful
claim*
Cancellation/
cutting short your
trip
•
Cancellation of pre-booked travel and accommodation expenses•
Value of the portion of the travel arrangements that have not been used because you return home earlier than planned.£5,000 £5,000
£50 £50
Winter sports
For snowboarding, skiing and snow or ice activities (see policy wording for details of cover and exclusions):
•
Ski equipment, ski hire, ski pack, piste closure•
Up to a total of 24 days during any 12-month period.£500 £50
Golf cover
•
Golf equipment•
Green fees.See policy wording for full benefit details
£50
Personal
belongings
•
Cover for accidental loss, theft or damage to personal baggage•
Loss or theft of your personal money (adults)•
Loss or theft of your personal money (children under 16).£1,500 £500 £50
£50 £50 £50
Medical emergency
and repatriation
•
In the event of an accident or illness during the trip•
Dental treatment for the relief of pain.£10,000,000 £500
£50 £50
Legal advice and
expenses
•
Legal expenses for compensation or damages for your personal injury or death caused by negligenceof a third party. £25,000 £50
Personal accident
•
Death by accident•
Permanent loss of one or more limbs or total and permanent loss of sight in one or both eyes•
Permanent total disablement.£10,000 £25,000 £25,000
Nil Nil Nil
Personal liability
•
Defence costs in relation to an incident you cause. £2,000,000 £50 * Where you and your family make a claim under more than one section of cover for the same incident, the maximumexcess you will pay is £50 in total.
TOP TIP.
Before you book any trip check our medical screening section on page 6.
Take this Getting started guide with you when you travel – it contains all the information
you need.
20
Key exclusions applying to the policy
•
Maximum trip duration is 31 days for each
trip (if you are going away for longer please
call us as we may be able to extend your
cover for an additional premium).
•
This policy ceases when the account holder
reaches the age of 71 (65 for winter sports).
Where a joint account holder is aged 71
or over and the other account holder still
qualifies for cover, this policy will remain
in force for that account holder until they
reach 71 subject to the terms and conditions
of the policy.
•
Travel insurance is not valid for trips in
the UK except when you have pre-booked
accommodation for 2 nights or more.
•
Any pre-existing medical condition that
has not been accepted by our Customer
Services Team before you start your
trip. Please see the ‘Words with special
meanings’ section of the policy wording
for ‘Pre-existing medical conditions’.
•
If, at the time you open your Ultimate Reward
Current Account or book a trip, whichever is
later, your relative, colleague, travel companion
or someone who you have arranged to stay,
had a medical condition for which he or she:
–
was receiving treatment at hospital
(other than where they go to hospital
for check-ups for a stable condition,
at regular intervals which have been
arranged beforehand)
–
was waiting for a hospital consultation,
investigations or treatment (other than
where they go to hospital for check-ups
for a stable condition, at regular intervals
which have been arranged beforehand)
–
had been given a terminal prognosis,
or been told that their condition is likely
to get worse in the next 12 months.
We will not pay for any claim you (or any
insured person) make that has anything to do
with that medical condition.
•
Children and infants aren’t covered for
independent travel under this policy.
•
Any insured person aged under 16 or over
64 will not receive the full Personal Accident
benefit. Please see the Personal Accident
section of the policy booklet.
•
Loss or theft of personal baggage not
reported to the Police within 24 hours of
discovery or as soon as possible after that
and a report obtained.
•
Loss or theft of baggage left out of sight
and out of personal control in public places
where you are not in a position to prevent
unauthorised interference such as at a
station, airport, restaurant or beach.
•
Loss or theft of valuables unless they are
attended by you or left in hotel security,
safety deposit box, safe or similar locked
fixed receptacle or whilst in the custody
of an airline or other carrier.
•
Any in-patient, hospital, clinic or repatriation
expenses in excess of £500 which have not
been reported to and authorised by the
Medical Assistance Helpline in advance.
•
Cover is excluded for certain Hazardous
Activities. This means any pursuit or activity
where it is recognised that there is an increased
risk of injury or accident. A list of the activities
not covered by the policy can be found under
the Hazardous Activities section.
•
Claims relating to any previously diagnosed
psychiatric disorders, depression, anxiety,
stress or phobias are not covered.
•
Travelling against FCO advice.
•
Travelling against or for the purpose of
receiving medical treatment.
•
Trips that do not start and end at your home
or business address in the UK.
21
For further details of exclusions and
conditions please refer to the full terms and
conditions on page 60.
DO YOU ALREADY HAVE
TRAVEL INSURANCE?
When your current travel insurance
policy is due for renewal, it might
be worth comparing its cover with
what your Ultimate Reward Current
Account offers.
Call us on
0345 124 1400
to find
out more.
Need medical help abroad?
Call us first on +44 (0) 208 763 4826
Medical Assistance
–
+44 (0) 208 763 4826
from abroad, or 0208 763 4826 from the UK
For emergencies:
if you are taken by
ambulance to hospital following an emergency
call, you or a travelling companion should call
us as soon as possible once you have been
admitted to hospital.
For non-emergencies:
if you need a GP, or
need to go to A&E or a clinic,
Call Us First
,
before you try to locate help, so we can guide
you to the safest and most appropriate source
of treatment.
If you are unfortunate enough to need
medical help whilst abroad please
Call Us First
on
(+44) 208 763 4826
.
Our highly experienced multi-lingual team are
available to talk 24 hours a day, to advise you
or your travelling companion of what steps to
take. Their aim will always be to establish the
best treatment available to you in the country
you are visiting.
General information
You can complain about Worldwide Travel
Insurance by calling us on
08450 71 90 69
or
by writing to The Customer Relations
Office, FirstAssist Insurance Services, 1 Drake
Circus, Plymouth, PL1 1QH. 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 The Financial Ombudsman Service,
Exchange Tower, London E14 9SR. Telephone
0800 023 4567
or
0300 123 9 123
.
You may be entitled to compensation from
the Financial Services Compensation Scheme
should Great Lakes Reinsurance (UK) PLC be
unable to meet its liabilities. For further details
please contact the FSCS on
0800 678 1100
or
020 7741 4100
or by writing to 10th Floor,
Beaufort House, 15 St Botolph Street, London,
EC3A 7QU or emailing
[email protected]
Worldwide Travel 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 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’re moving from one qualifying account
to another.
HOW TO MAKE A CLAIM.
Before you go away, save our contact
number (
0345 124 1400
) in your mobile
phone in case you need to make a claim.
From abroad call us on
22
AA BREAKDOWN COVER
.
Whatever sort of car you’re travelling in – even if you’re the passenger in someone else’s car – if
it breaks down you can trust the AA to help out, 24/7. And if you have a joint account, both of
you are covered.
•
You’ll have AA Breakdown Cover as long as your Ultimate Reward Current Account is open
and you’re paying the monthly fee.
•
The AA Breakdown Cover policy covers you in the event of the vehicle’s mechanical
breakdown at home or on the road within the UK, Channel Islands and Isle of Man.
•
An AA Patrol will try to repair the vehicle at the roadside or, if this is not possible, arrange a
tow to a local garage for you, your vehicle and up to 7 passengers.
•
AA Roadside and Home Start included.
Upgrade now for extra AA cover
If you’d like to upgrade your cover just call the AA on
0800 975 2985
. You’ll find all the
current upgrade prices included in the table below.
Please note prices are subject to change.
Relay
For sole account holders £66.89For joint account holders £68.12
Stay Mobile
For sole account holders £51.08 For joint account holders £51.71Breakdown Repair Cover
From £60.20 per eligible vehicleEuropean Breakdown Cover
Price on applicationPrices correct as at March 2015.
Please note: If you have a sole account you cannot buy a joint AA upgrade. Cover applies
to the named account holders.
Your Policy
Here’s a summary of your cover. For full terms and conditions of your AA Breakdown
Cover policy please see page 77.
Policy provider
AA Breakdown Cover is provided by Automobile Association Developments Limited (trading as
AA Breakdown Services).
23
Key exclusions applying to the policy
•
Maximum of five call-outs per 12 month
period (seven for a joint account) and may
not be covered for same or similar causes of
breakdown to that which the AA attended
within the previous 28 days.
Vehicle specifications, see page 78.
•
Service is only available to customers
travelling in a car, van, minibus or motorcycle
which complies with the stated weight and
width restrictions of 3.5 tonnes and max
width restriction of 7ft 6in (2.3m).
General Terms and Conditions, see
pages 77 – 83.
•
Assistance is not available following a
breakdown or accident attended by the
police or other emergency service, until the
vehicle’s removal is authorised. If the police
insist on recovery by a third party, the cost
must be met by you;
•
No recovery (including a local tow) is
available following an accident;
•
Transport of any animal is discretionary, and
horses and livestock will not be recovered;
•
Routine maintenance, running repairs, the
cost of spare parts, fuel, oil, keys, specialist
lifting equipment, garage or other labour
required to repair your vehicle are excluded,
as is the provision of service on private
property without the relevant permission;
•
Service is discretionary where it is requested
to deal with the same or a similar fault
or cause of breakdown to that attended
in regard to the same vehicle within the
preceding 28 days.
•
The customer must be with the vehicle at
the times of breakdown and assistance. A
valid entitlement card and some other form
of identification must be produced. Service
will be refused and may be cancelled if
anyone behaves in an abusive or threatening
manner, or if the AA is owed money.
Replacement vehicle
•
Any car hire that may be arranged for
you will be subject to the hirer’s Terms
& Conditions.
Service control
•
Please note that further premiums may
be requested if the maximum number of
call-outs is exceeded.
HOW TO MAKE A CLAIM
.
If you need breakdown assistance call:
08000 51 22 48
(save the number to
your mobile phone in case you need
roadside assistance). You will need to
provide your Ultimate Reward Current
Account debit card number, your sort
code and your account number, as well
as your vehicle registration, details of
the breakdown location, and separate
proof of your identity (such as your
driving licence).
SMS text messaging is available for use by deaf,
hard of hearing or speech impaired customers
in a break down situation, by sending an SMS
to 07900 444 999.
24
If you have a complaint
If you wish to register a complaint, please
make contact:
By phone:
08442 09 05 56
In writing:
Customer Care (Halifax), AA,
Lambert House, Stockport Road, Cheadle,
Cheshire SK8 2DY
By fax:
0161 488 7544
Text Relay is available for deaf, hard of
hearing or speech impaired customers.
By email:
[email protected]
The AA will either acknowledge your
complaint within five working days of receipt,
or offer you their final response if they
have concluded their investigations within
this period.
Acromas Insurance Company Limited (AICL),
only, is covered by the FSCS. If any of the
cover you have purchased is underwritten by
AICL, you may be entitled to compensation
from the scheme if AICL cannot meet its
obligations. This depends on the type of
business and the circumstances of the claim.
Further information about the compensation
scheme arrangements is available from
the FSCS at
www.fscs.org.uk
or telephone
0800 678 1100 or 0207 741 4100.
Duration of policy
Subject to your right to cancel (see your
AA Breakdown Cover Terms and Conditions
for details), your cover is renewed monthly and
runs at the same time as your Ultimate Reward
Current Account, subject always to the terms of
the AA Breakdown Cover Terms and Conditions
and your Ultimate Reward Current Account.
Your cover will come to an end if (i) you fail to
pay the monthly fee, or (ii) you or your account
provider close your Ultimate Reward Current
Account or it is changed to another type of
account, or (iii) your residential address is no
longer in the UK, Channel Islands or the Isle
of Man. Your account provider or the AA can
withdraw or change the terms of your cover by
giving you 30 days’ notice in writing.
25
MOBILE PHONE INSURANCE
.
Your address book, diary, photo album, newspaper, music player, home cinema. Your mobile is
about much more than making and receiving calls. That’s why, as a an Ultimate Reward Current
Account holder, we’ll repair or replace your mobile phone(s) when it’s lost, stolen, damaged –
or when it just stops working.
We’ve given you a quick summary of your cover below, but please read the full terms of the
policy that can be found on pages 84 – 88. It’s a good idea to check these every so often
to make sure it gives you the cover you need.
What you are
covered for
•
Replacing or repairing your mobile phone and SIM card, up to a maximum value of £2,000 (including VAT) per claim, in the event of: – loss
– theft – damage
– breakdown (including faults) Occurring anywhere in the world
•
Unauthorised network charges from the point that your mobile phone was lost or stolen and up to 24 hours after discovery of the loss or theft, up to a maximum value of £1,500 (including VAT) per claim for contract mobile phones and £500 for Pay As You Go (including VAT)•
Mobile phone accessories that are lost, stolen or damaged at the same time as your mobile phone, up to a maximum value of £250 (including VAT) per claimWhat you are NOT
covered for
•
You need to pay a contribution of £100 for Apple iPhones and £30 for all other handsets, every time you make a successful claim, this is the excess. Your excess is payable for every accepted claim and must be paid before your claim will be settled.•
Theft, loss, damage or breakdown where you have knowingly put your mobile phone at risk or you have not taken care of it. Examples are provided in the “What you are NOT covered for” section of the Policy Document on page 85, which you should read to help you understand the coverIf you need to claim
•
You should tell us about your claim as soon as possible, after becoming aware of the loss,
theft, damage, or breakdown, and inform the Police and your airtime provider (in the case of
loss or theft).
•
You may need to send us proof that the mobile phone is yours which should include the make,
model, memory size, colour and IMEI number (details of how to find this number are in the
section on ‘Actions you will need to take on loss, theft, breakdown or damage to your mobile
phone’ in the Policy Document).
•
If your phone is lost or stolen we may ask for details on the steps you have taken to report
the phone missing and any attempts to recover it.
26
Duration of this policy
Mobile phone insurance is a monthly
contract. This policy is provided as a benefit
of you being an Ultimate Reward Current
Account holder.
Cancelling your insurance
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.
Got a question? Need to make a complaint?
We want to make sure you’re happy.
Should you need to talk to us, contact us
on
0345 124 1400
. If you have a concern
or complaint you can also contact us at
[email protected]
If after making a complaint you are still
unhappy, you may contact the Financial
Ombudsman Service.
Need another copy?
This document is also available in large print,
audio and Braille, so get in touch with us on
0345 124 1400
if you’d like to request a copy in
one of these formats. The same applies if you
just need a replacement.
Status disclosure
This Policy has been arranged as part of your
bank account and is administered by STAMS
Limited with a single insurer, Assurant General
Insurance Limited.
Assurant General Insurance Limited. (Financial
Services Register No. 202735) is authorised
by the Prudential Regulation Authority and
regulated by the Financial Conduct Authority
and the Prudential Regulation Authority.
STAMS Limited (Financial Services Register
No. 409098) is an Appointed Representative
of Lifestyle Services Group Limited (Financial
Services Register Number 315245), which is
authorised and regulated by the Financial
Conduct Authority. Lifestyle Services Group
Limited handle claims and complaints on
behalf of the insurer.
All firms’ register details can be checked on
the Financial Services Register by visiting the
FCA’s website
www.fca.org.uk/register
or by
phoning
0800 111 6768
.
27
HOME EMERGENCY COVER
.
From a burst pipe to a break-in, home emergencies can happen to any of us.
And you can bet that they’ll happen at the worst possible time. But thankfully, as an Ultimate
Reward Current Account holder you’re already covered for a wide range of emergencies.
What’s a home emergency?
It’s a sudden, unexpected event which needs immediate action in order to:
•
Make your home safe or secure
•
Avoid damage or prevent more damage
•
Restore electricity, gas or water if they’ve totally failed within the home.
How we’ll help
If the safety of your home is at risk and
you need help fast, just give us a call on
0345 124 1400
. 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
your home becomes uninhabitable.
Your cover
This summary outlines cover available
under our home emergency cover, which
is underwritten by Inter Partner Assistance
SA (IPA). You’ll find the full policy wording
is in the Terms and Conditions section of
this booklet.
Full details of your cover are overleaf.
Please keep them safe.
Policy section
Cover description
Limit of cover
Excess per person
Home emergency costs
Cost of the qualified person chosenby us to deal with the emergency in respect of the call-out charge, labour and any materials necessary
£250 Nil
