Insurance policy summary information - Royalties Gold - Royal Bank of Scotland
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Insurance policy
summary information
Royalties Gold
Generated at: Mon Feb 10 13:53:15 2014The Royalties Gold Account comes with a range of insurance
policies that cover you, your family, your home and much more.
This brochure explains the policies in more detail, and provides
you with some important tips on how to make a claim.
Generated at: Mon Feb 10 13:53:15 2014Contents
Royalties Gold Insurance Products 5
Sentinel® Protection Lost and Stolen Card Assistance 9
Mobile Phone Insurance 12
Car Breakdown Benefit 16
Extended Warranty Policy 19
Travel Insurance 22
3
Generated at: Mon Feb 10 13:53:15 2014Your Policy Summary Business Language Used
Please read this document carefully. Full The language used in this and all other
terms and conditions can be found within documents relating to this policy is English.
the Policy Document. This document does
All future communications both verbal and
not form part of the contract between us.
written will be in English.
For full details of cover, including terms Max call charge from a BT landline is 8p plus up to
and conditions, please refer to Leaflet 6p per minute. Calls from other networks may vary.
‘Your Service Guide’ which will be contained Calls may be recorded.
as part of your Royalties Gold Welcome Pack.
Total Price to be Paid
There is no separate charge for these
insurance policies, however for travel
insurance on Royalties Gold, an additional
annual supplement of £50 is required for
those customers aged 70 years and over.
There is a monthly account fee for the
Royalties Gold account and this charge
is not adjusted should you not wish to use
the insurance products.
Benefits under the plan are free of all
personal taxes under current law and Inland
Revenue practice. Tax law and practice may
change in the future. Other taxes may exist
that are not paid via underwriting Insurer
and/or The Royal Bank of Scotland plc or
imposed by them or us.
The Monthly Account Fee for the account
will be inclusive of Insurance Premium Tax,
where applicable, at the current rate.
4
Generated at: Mon Feb 10 13:53:15 2014Important information – Please review the high level policy summaries below,
and all the information in this document, to ensure our policies fully meet
your needs and the cover is right for you.
Royalties Gold Insurance Products
You are automatically covered for Mobile Phone Insurance
the following benefits Key Benefits
®
Sentinel Protection Lost and Stolen Automatic cover – no need to register,
Card Assistance however if you do so it may speed up
your claim.
Key Benefit
Personal money lost or stolen at the same Covers one registered mobile phone (two
time as a card. Up to £200 per incident. phones for joint accounts) and SIM card
Maximum of 1 incident per year. for each Royalties Gold account holder up
to the original retail value of the phone
Costs of replacing lost or stolen personal for the cost of repair or replacement
belongings. Up to £100 per incident. in the event of loss, theft or accidental
Communication costs paid in dealing damage (emeblishments excluded).
with and reporting an incident. Up to Covers unauthorised calls up to £2,500
£500 per incident. for contract phones and up to £100 for
pay-as-you-go (this will apply to top-ups
Main Exclusions
purchased in the 24 hours preceding the
Any costs not pre authorised by incident, per claim).
Sentinel® Protection.
Covers up to £250 worth of accessories
Any costs not directly related to per claim.
an incident.
Includes PDA devices which have
Claims which do not include the mobile phone functionality.
necessary supporting documentation
– receipts for the replacement, or other Main Exclusions
evidence of purchase.
Phones must be owned and used by the
To make a claim call 0870 562 5555 account holder(s).
(+44 239 267 0101 from outside of the UK)
5
Generated at: Mon Feb 10 13:53:15 2014Phones can be registered by calling Any incident involving theft must be
0870 562 5555 or visiting reported to the airtime provider within
rbs.co.uk/royalties. 24 hours of discovery (or 48 hours of
discovery if outside of the UK) to blacklist
Covers up to two successful claims per
your handset and prevent anyone using it.
account holder during any rolling
12 month period – £75 excess per claim. Any incident involving loss must be reported
to the airtime provider within 24 hours of
If your mobile phone is lost, stolen,
discovery (or 48 hours of discovery if outside
damaged or breaks down Aviva will at their
of the UK) to blacklist your handset and
discretion either replace it or arrange for
prevent anyone using it.
it to be repaired. They will try to provide
you with the same model as the one you Does not cover accessories (e.g. speakers or
have claimed for. If they cannot provide phone covers) which are not lost or stolen
you with an exact replacement, then they at the same time as your mobile phone.
will supply you with one that has similar
features and functionality to the one you To make a claim call 0870 562 5555 or
have claimed for. visit rbs.co.uk/royalties
Replacements will be refurbished phones. Travel Insurance
All claims must be reported to Aviva Key Benefits
within 60 days of discovering the incident, Worldwide and UK multi-trip cover for you
unless you are outside of the UK at the and your family.
time of discovering the incident and are 5 star rated by Defaqto, an independent
unable to contact Aviva; then they must financial research company.
be contacted within 60 days upon return
to the UK. Winter sports cover included.
6
Generated at: Mon Feb 10 13:53:15 2014Additional Guests, Business, Wedding, Car Breakdown Cover
Golf and Hazardous Activity Cover
Key Benefits
available through calling 0870 609 1211.
What is covered
Main Exclusions
Following an Insured Incident occurring at
Persons aged 70 years and over must the roadside or your Home we will provide
call 0870 609 1211 each year in order to assistance and, if necessary, transportation
obtain cover and will be required to pay of the Insured Vehicle and Insured Persons
an annual premium of £50 per account to: (i) a nearby available repairer of our
and will be medically screened. choice; or (ii) a destination of your choice
provided it is either within 10 miles of the
Any existing medical conditions must be Insured Incident or no further than our
declared by calling 0870 609 1211 – you choice of nearby available repairer.
may be required to pay a premium for
cover or UK Insurance Limited may decide Please note: You may have to pay extra
not to cover you for this condition. costs if your choice of destination
exceeds 10 miles and is further than our
Maximum trip duration limit of 31 days. choice of nearby available repairer.
Winter sports cover is restricted to a total Roadside assistance from Green Flag
of 31 days. anywhere in the UK.
Dependent children and any guests Protection for all vehicles owned by you
added to the policy must be travelling and kept at your home address.
with the account holder.
Dependent children must be: Main Exclusions
– under 18 at the start date of the journey Doesn’t cover any costs once the insured
or under 23 if in full time education vehicle has been transported to garage
– living at the home address (or with the or repairer.
other parent)
Roadside assistance outside the UK
– unmarried and not entered into a
not included.
civil partnership.
For roadside assistance call 0800 068 5926
Trips in the UK must be pre-booked, at least
two nights duration and a minimum of 25
miles from your home address.
To make a claim call 0870 609 1200
7
Generated at: Mon Feb 10 13:53:15 2014Extended Warranty
Key Benefits
Breakdown cover for domestic electrical
goods for two years after the manufacturers
original warranty has expired.
Up to £1,000 per item and up to £10,000
per policyholder in any 12 month period.
Main Exclusions
The first £25 of any claim is not covered.
Items must be paid for in full with a Royal
Bank of Scotland debit or credit card –
proof of purchase and manufacturers
warranty is required.
To make a claim call 0870 562 5555
8
Generated at: Mon Feb 10 13:53:15 2014Policy Summary
Sentinel® Protection Lost and
Stolen Card Assistance
Royalties Gold
Key Benefit Sentinel® Protection Lost and Stolen Card
Assistance is underwritten by AmTrust
Insurance cover for communications
Europe Limited. Registered in England
costs paid in dealing with and reporting
number 01229676. Registered Office:
an incident and personal money and
Market Square House, St. James’s Street,
belongings lost or stolen at the same
Nottingham NG1 6FG, United Kingdom.
time as your cards.
AmTrust Europe Limited is authorised by the
Should you wish to register your cards Prudential Regulation Authority and
you can do so by calling 0870 562 5555. regulated by the Financial Conduct Authority
and the Prudential Regulation Authority.
You do not need to register your cards,
Financial Services Register No. 202189.
however, if we already have your details
You can check this on the Financial Services
on file, this will enable us to contact your
Register by visiting the FCA’s website
issuers quickly.
http://www.fca.gov.uk/register/home.do or by
Your Policy Summary contacting the FCA on 0800 111 6768.
Please read this section carefully. Full Terms You may be entitled to compensation from
and Conditions can be found within the the Financial Services Compensation Scheme
Policy Document. This document does not if Allianz are unable to meet their obligations.
form part of the contract between us. What is covered by Sentinel®
This is a policy summary only and does Protection Lost and Stolen
not detail the full Terms and Conditions Card Assistance?
of the insurance policy. Full details of the Communication costs paid in dealing
insurance policy Terms and Conditions can with and reporting an incident. Up to
be found in the Policy Document. £500 per incident.
Personal money lost or stolen at the same
time as a card. Up to £200 per incident.
Maximum of 1 incident per year.
Costs of replacing lost or stolen personal
belongings. Up to £100 per incident.
9
Generated at: Mon Feb 10 13:53:15 2014How does Sentinel® Protection Lost What are the significant exclusions
and Stolen Card Assistance work? and limitations of Sentinel®
Protection Lost and Stolen Card
Sentinel® Protection Lost and Stolen
Assistance?
Card Assistance is provided through
membership of the Royalties Gold A maximum of one personal money
Account. If you close your account cover claim is allowed per year.
automatically terminates otherwise
Sentinel® Protection will not cover:
it continues automatically until the
insurance is cancelled by you or is Any personal money not reported lost at
cancelled under the terms of the policy. the same time as reporting the incident.
You may need to review this cover Any costs not pre authorised by
periodically to ensure it remains Sentinel® Protection.
adequate to your needs. Any claim for communication costs and
You have the right to cancel this policy at personal belongings totalling more than
any time. Your policy will be cancelled if £600 per incident.
we receive notification that you no longer Any costs not directly related to an
hold a Royalties Gold account. incident.
This cancellation period exceeds the 14 day Claims which do not include the
post-sale period required by the Financial necessary supporting documentation
Conduct Authority rules. – receipts for the replacement, or other
evidence of purchase.
10
Generated at: Mon Feb 10 13:53:15 2014How do I make a claim under Full details of our complaints procedure
Sentinel® Protection Lost and Stolen may be found in the insurance policy
Card Assistance? Terms and Conditions.
You can notify a claim by calling Royalties Financial Services
Membership Services on 0870 562 5555 Compensation Scheme
(Minicom 0870 600 0856) for Royalties
You may be entitled to compensation
Gold, 24 hours a day and seven days a
from the Financial Services Compensation
week, providing your name, address and
Scheme (FSCS), if the insurers cannot meet
sort code and account number.
our liabilities under this policy. Further
Would I receive compensation information is available from the FSCS
if AmTrust was unable to meet on 0800 678 1100 or 0207 741 4100
its liabilities? or at enquiries@fscs.org.uk
You may be entitled to compensation
from the Financial Services Compensation
Scheme if the insurers are unable to meet
their liabilities under this insurance.
How to make a complaint
If you have a complaint about Sentinel®
Protection Lost and Stolen Card assistance,
call Royalties Membership Services on
0870 562 5555 (Minicom 08456 000512)
or write to the Customer Relations Manager,
Royalties Membership Services, Sentinel House,
Airspeed Road, Portsmouth, Hampshire
PO3 5RF, United Kingdom quoting your
policy number.
11
Generated at: Mon Feb 10 13:53:15 2014Policy Summary
Mobile Phone Insurance
Royalties Gold
This is a summary of the policy and does The phone will be covered whilst the
not contain the full terms and conditions account holder or is temporarily outside
of the cover, which can be found in the the UK, providing they remain a permanent
Royalties Gold Account Mobile Phone UK resident, meaning they have their main
Insurance terms document. It is important home in the UK. If you are abroad when
that you read the full policy wording a claim happens, we will not replace the
carefully and keep it for future reference. phone until you return to the UK.
The cover provided by this policy allows
Who is the insurer?
for a maximum of two claims in total
The insurer is Aviva Insurance Limited. during any 12 month period. Where the
Royalties Gold account is in joint names,
What is Royalties Gold Account
you will be entitled to make a maximum
Mobile Phone Insurance?
of two claims per account holder in any
This Mobile Phone Insurance policy provides 12 month period, with an overall limit of
cover for your phone in the event of 4 claims per Royalties Gold Account in
damage, loss, theft or breakdown outside any 12 month period.
the manufacturer’s warranty. Accessories are covered up to £250 per
claim, if they are lost, stolen or damaged
What are the main features and
at the same time as your phone.
benefits?
In the event of unauthorised use following
Cover is for one mobile phone that is loss or theft, we will provide cover for up
owned and used by the account holder. to £2,500 for monthly contracts and up to
Where the account is in joint names, one £100 for pay as you go customers.
phone will be covered for each account
holder, with a maximum of two phones
What are the significant or unusual
exclusions or limitations?
per account.
The phone is covered whilst being used There are a number of exclusions and
by the account holder only. limitations in your policy. Significant or
We will settle claims by replacing the unusual ones are shown below. Full details
phone. Replacement handsets will be can be found under the “What is not
refurbished phones. All replacement covered” heading in Sections 6 and 7, as
phones provided by us will come with well as the General Conditions and General
a 12 month warranty. Exclusions sections of your Mobile Phone
Insurance Terms.
12
Generated at: Mon Feb 10 13:53:15 2014You must report loss or theft of your There is no cover for damage caused by
phone to your network provider within general wear and tear or damage that
24 hours of discovery (48 hours if outside does not affect how the phone works.
the UK) for unauthorised use claims. We will not pay any claim where you
We may refuse to pay any unauthorised are unable to provide the IMEI number
use claim if you fail to report the loss of the phone, the IMEI number cannot
or theft to your network provider in be verified by us, or the IMEI number
accordance with the policy terms. provided belongs to a phone that has
You will need to pay the first £75 of each previously been reported as lost or stolen.
claim made on this policy. This is known Where requested, you will be required to
as the excess. provide such information, documents or
You must take all reasonable precautions receipts reasonably necessary to support
to prevent loss, theft or damage. and/or verify your claim.
Accessories are only covered if they have
How long does my policy run for?
been lost, stolen or damaged at the same
time as the phone. Unless you exercise your right to cancel, the
We will not pay any costs relating to policy will remain in force as long as you
cosmetic enhancements, such as plating have a Royalties Gold Account and remain
or embellishment with precious metals, permanently resident in the UK.
stones or crystals. As your circumstances may change over
There is no cover for any phone time, it is important you review the terms
manufactured wholly or substantially and conditions of your Royalties Gold
from precious metals, stones or crystals. Account Mobile Phone insurance regularly
There is no cover if the phone; to ensure that the cover remains adequate
– is being used by someone other than for your needs.
the account holder Registration
– has been deliberately left unattended
and unsecured. We strongly recommend that you register
There is no cover for theft or loss of the your phone as soon as possible. If the phone
phone; has not been registered before a claim is
– from an unattended vehicle unless the made, registration will need to be carried
phone has been placed in a locked and out at that time. It’s simple to register –
concealed boot, concealed luggage do this by visiting rbs.co.uk/royalties or
compartment or closed glove box of a calling 0870 562 5555.
securely locked vehicle that has been
broken into using force and violence.
13
Generated at: Mon Feb 10 13:53:15 2014How do I make a claim? is cancelled in accordance with the rights
set out in General Conditions section of the
Important steps you need to take
terms and conditions or you cease to be
Report loss or theft to your network
permanently resident in the UK.
provider within 24 hours of discovery
(48 hours if you are abroad at the time). To exercise your right to cancel, please call:
Tell us about any claim as soon as 0870 562 5555. Please note, if the Mobile
possible, but always within 60 days of Phone Insurance is not required, there will
discovery. be no refund or reduction in the Royalties
If you need to make a claim, either: Gold Account fee.
Go online through rbs.co.uk/royalties; or If you have a complaint
Call 0870 562 5555
If you have not registered your mobile Our goal is to give excellent service to
phone details you will need to register all our customers but we recognise that
before you claim. things do go wrong occasionally. We take
all complaints we receive seriously and
Our phone lines are open:
aim to resolve all our customers’ problems
Monday to Friday 08.00 – 20.00
promptly and achieve a fair outcome. To
Saturday 09.00 – 18.00
ensure that we provide the kind of service
Sunday 10.00 – 17.00
you expect we welcome your feedback.
Bank Holidays 10.00 – 18.00 (closed on
We will review the complaints we receive
Christmas Day)
to make sure that we continually improve
Your Cancellation Rights the service we offer. Details of our full
complaints process can be found in your
You have a statutory 14 day period in which
policy wording.
to cancel the Royalties Gold Account Mobile
Phone Insurance. This period begins on the If you are unhappy with any aspect of the
start date or when the insurance terms and handling of your Mobile Phone Insurance
conditions are received, whichever is later. claim we would encourage you, in the first
instance, to seek resolution by contacting us:
If the Royalties Gold Account Mobile
Phone Insurance is not cancelled within By telephone: 0870 562 5555
the above 14 day period, the Mobile Phone In writing either via rbs.co.uk/royalties;
Insurance will remain active until the cover or by letter addressed to:
14
Generated at: Mon Feb 10 13:53:15 2014RBS Royalties Gold Account Financial Services Compensation
Aviva Mobile Phone Insurance Scheme
PO Box 351
We are members of the Financial Services
Southampton
Compensation Scheme (FSCS). You may
SO30 2PJ
be entitled to compensation from this
If for some reason we haven’t been able scheme if we cannot meet our obligations,
to resolve your complaint within eight depending on the type of insurance and the
weeks, or you’re not satisfied with the circumstances of your claim.
resolution you can refer your complaint
Aviva Insurance limited, Registered in Scotland,
to the Financial Ombudsman Service. If
No 2116. Registered Office: Pitheavlis, Perth
you receive a final response letter from
PH2 0NH. Authorised by the Prudential
us and you want to contact the Financial
Regulation Authority and regulated by
Ombudsman Service, you’ll need to do this
the Financial Conduct Authority and
within six months of receiving our final
the Prudential Regulation Authority.
response letter:
The Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London E14 9SR
Telephone: 0800 023 4567.
15
Generated at: Mon Feb 10 13:53:15 2014Policy Summary
Car Breakdown Benefit
Royalties Gold
Statement of Demands and Needs insurance needs periodically to ensure the
policy is adequate. Please refer to your
We have not provided you with a personal
Royalties Gold Policy Booklet.
recommendation as to whether the policy
is suitable for your specific needs and it’s
Significant Features of a Green Flag
your responsibility to make sure that the
Breakdown Policy
policy is right for you. This product meets
the demands and needs of those who (Full terms and conditions can be found
wish to ensure that they are covered for within the policy document.)
Car Breakdown. Your policy covers your vehicle or anyone
driving with your permission, who is not
Your Policy Summary a hitch-hiker, up to a maximum of eight
Please read this document carefully. This persons including the driver.
policy summary does not form part of
the contract between us. For full details Key Benefits
of cover including terms and conditions, What is covered
please refer to the Royalties Gold Service
Following an Insured Incident occurring at
Guide contained within your Royalties
the roadside or your Home we will provide
Gold Welcome Pack. For your own benefit
assistance and, if necessary, transportation
and protection you should read the terms
of the Insured Vehicle and Insured Persons
and conditions carefully. If you do not
to: (i) a nearby available repairer of our
understand any point please ask for further
choice; or (ii) a destination of your choice
information. You can call us with any
provided it is either within 10 miles of the
questions on 0845 246 4298.
Insured Incident or no further than our
Features of a Green Flag choice of nearby available repairer.
Breakdown Policy Please note: You may have to pay extra
The policy you have is underwritten by costs if your choice of destination
U K Insurance Limited, registered office: exceeds 10 miles and is further than our
The Wharf, Neville Street, Leeds LS1 4AZ. choice of nearby available repairer.
Registered in England No. 1179980 and You can claim £10 if the recovery vehicle
will run in conjunction with your Royalties does not attend within 60 minutes of you
Gold Package. As this policy could run for contacting us – General Condition 14.
several years you may want to review your
16
Generated at: Mon Feb 10 13:53:15 2014Caravan and Trailer cover – see Caravan If you would like to upgrade your
and trailer section. Breakdown cover
It is possible to upgrade your Breakdown
Significant Exclusions and Limitations
cover. If you would like to upgrade please
of a Green Flag Breakdown Policy
telephone 0845 246 4298.
If we need to use specialist equipment to
recover your vehicle, you may have to pay How to make a claim
additional costs – General Condition 12.
To notify us of a claim whilst travelling within
We are not responsible for the actions the UK, please telephone 0800 068 5926.
or costs of garages, recovery firms or
emergency services acting on your How to complain
instructions or the instructions of anyone
acting for you and cannot be held liable Should there ever be an occasion where
for them – General Condition 18. you need to complain, please call us on
0870 024 0048. If you wish to write, then
We may choose to repair your vehicle (at address your letter as follows:
your cost) following a breakdown rather
than arranging for it to be recovered – Royalties Gold Car Breakdown, Customer
General Condition 21. Relations Department, Green Flag, Cote
Lane, Pudsey LS28 5GF.
Your right to cancel If we cannot resolve the differences between
You have the right to cancel this insurance us, you may refer your complaint to the
at any time, with immediate effect. As the Financial Ombudsman Service (FOS). Their
cover is provided as a benefit of being a address is: South Quay Plaza, 183 Marsh Wall,
Royalties Gold account holder, a cooling off London E14 9SR, telephone 0800 023 4567.
period does not apply and no refund is due.
The Car Breakdown section of your benefits
package cannot be cancelled in isolation,
you will also have to cancel your Royalties
Gold account. If the Royalties Gold account
is cancelled, this policy ends.
17
Generated at: Mon Feb 10 13:53:15 2014Details about our Regulator
U K Insurance Limited is authorised by the
Prudential Regulation Authority and
regulated by the Financial Conduct
Authority and the Prudential Regulation
Authority, registration number 202810. The
Financial Conduct Authority website, which
includes a register of all regulated firms can
be visited at www.fca.org.uk, or the Financial
Conduct Authority can be contacted on
0800 111 6768. The Prudential Regulation
Authority website can be visited at
www.bankofengland.co.uk/pra, or the
Prudential Regulation Authority can
be contacted on 020 7601 4878.
Under the Financial Services and Markets
Act 2000, should the company be unable to
meet all its liabilities to policyholders,
compensation may be available. Insurance
advising and arranging is covered for 90%
of the claim, without any upper limit.
Information can be obtained on request, or
by visiting the Financial Services
Compensation Scheme www.fscs.org.uk
18
Generated at: Mon Feb 10 13:53:15 2014Policy Summary
Extended Warranty Policy
Royalties Gold
Statement of Demands and Needs http://www.fca.gov.uk/register/home.do
or by contacting the FCA on 0800 111 6768.
This product meets the insurance
You may be entitled to compensation from
requirements of those who wish to ensure that
the Financial Services Compensation Scheme
their qualifying purchases are covered against
if Allianz are unable to meet their obligations.
breakdown for two years after the expiry
of the manufacturer’s original warranty.
What is covered by Extended Warranty?
The Royal Bank of Scotland is not making
a personal recommendation based on your Extended Warranty provides breakdown
individual circumstances that the Plan is cover for two years after the expiry of the
suitable for your needs and we recommend manufacturer’s original warranty.
that you read the Policy Summary carefully. Cover is only provided for claims or portions
Please read this section carefully. Full of claims which are not covered by other
Terms and Conditions can be found within applicable guarantees, warranties, insurance
the Policy Document. or indemnity policies, subject to the stated
limits of liability.
Features of your Royalties Gold An indemnity is an agreement by the
Extended Warranty Cover indemnifying party to put the other party
This is a policy summary only and does not back in the position which they were in
detail the full Terms and Conditions of the before the claim was made. Forms of
insurance policy. Full details of the insurance indemnity include compensation, repairs,
policy Terms and Conditions can be found replacement and reinstatement.
in the Policy Document. Extended Warranty
is underwritten by AmTrust Europe Limited. How does Extended Warranty work?
Registered in England number 01229676. Extended Warranty covers purchases
Registered Office: Market Square House, where the payment is made in full
St. James’s Street, Nottingham NG1 6FG, exclusively using your Royal Bank of
United Kingdom. AmTrust Europe Limited Scotland debit or credit card.
is authorised by the Prudential Regulation
Extended Warranty cover remains in force
Authority and regulated by the Financial
until either you close your Royal Bank of
Conduct Authority and the Prudential
Scotland account or it is no longer offered
Regulation Authority. Financial Services
by The Royal Bank of Scotland. You have
Register No. 202189. You can check this on
the right to cancel this insurance at any
the Financial Services Register by visiting the
FCA’s website 19
Generated at: Mon Feb 10 13:53:15 2014time. As this policy cannot be cancelled in the replacement will be of equivalent
isolation you will also have to close your specification and quality.
Royalties Gold Account. Cover will not be provided for:
If Extended Warranty cover is cancelled, Items not purchased using the
qualifying purchases made while the qualifying account.
cover was in force will be covered.
Non-electrical items.
You may need to review this cover
Items purchased from Internet sites,
periodically to ensure it remains
which are not based in the UK.
adequate to your needs.
Any item not purchased in the UK.
What are the significant exclusions
Items which do not have a UK
and limitations of Extended Warranty?
specification or original manufacturer
Features and Benefits warranty vaild on the UK.
Repair costs if a qualifying purchase breaks Non-electrical items, mobile telephones
down after the manufacturer’s original or any type of portable hand held
warranty has expired. If your product communication devices.
cannot be repaired or is uneconomical to
Second hand products.
repair it will be replaced.
Items for commercial or business use.
Significant Exclusions or Limitations
(cross references to the relevant sections Call out charges where a fault cannot be
of the policy are included) found with the product.
The most we will pay is: Any loss as a result of not being able
Repair costs up to the price paid for the to use the product, or any loss other
product to a maximum of £1,000 per item. than the repair or replacement cost of
the product.
Up to £10,000 per policyholder in any
Damage caused by accidents, misuse,
12 month period.
neglect or wear and tear.
You must pay the first £25 of any claim.
If your product is replaced it will be How do I make a claim under
replaced with an identical product. If an Extended Warranty?
identical product is no longer available You can notify a claim by calling Royalties
Membership Services on 0870 562 5555
20
Generated at: Mon Feb 10 13:53:15 2014(Minicom 08456 000512) 8am – 8pm matter to the Financial Ombudsman Service
Monday to Friday or 9am – 5pm Saturday for an independent review of your complaint.
(excluding Bank Holidays).
Financial Ombudsman Service, South Quay
Would I receive compensation Plaza, 183 Marsh Wall, London E14 9SR.
if AmTrust was unable to meet By telephone on 0845 080 1800 or
its liabilities? 0300 123 9123. By e-mail:
complaint.info@financialombudsman.org.uk
You may be entitled to compensation
Using our complaints procedure or referral to
from the Financial Services Compensation
the Financial Ombudsman Service does not
Scheme if the insurers are unable to meet
affect your legal rights.
their liabilities under this insurance.
Full details of our complaints procedure
How to make a complaint may be found in the insurance policy terms
and conditions.
Sales
If you have a complaint about the service Law and Language
elements of Extended Warranty call Royalties
Unless agreed otherwise the language of
Membership Services on 0870 562 5555
the policy and all communications relating
(Minicom 08456 000512) or write to
to it will be in English and all aspects
The Customer Relations Manager,
of the policy, including negotiation and
Royalties Membership Services,
performance are subject to the law which
Sentinel House, Airspeed Road,
applies to the part of the United Kingdom
Portsmouth, Hampshire PO3 5RF
in which you live.
quoting your policy number.
We will always confirm to you the receipt of Financial Services Compensation
your complaint within five working days and Scheme
do our best to resolve the problem within
You may be entitled to compensation from
four weeks. If we cannot respond within these
the Financial Services Compensation Scheme
timescales we will let you know when an
(FSCS), if we cannot meet our liabilities
answer may be expected.
under this policy. Further information is
If we are unable to resolve your complaint available from the FSCS on 0800 678 1100
within eight weeks from when you first or at enquiries@fscs.org.uk
contacted us or you remain dissatisfied with
the final response, then you may refer the
21
Generated at: Mon Feb 10 13:53:15 2014Royalties Gold
Travel Insurance
Statement of demands and needs not married) plus any guests we have
accepted.
We have not provided you with a personal
recommendation as to whether the policy Travellers who are aged under 70 years
is suitable for your specific needs and and have no existing medical conditions
it is your responsibility to make sure (see below).
that the policy is right for you. Royalties
Trips up to 31 days’ duration (winter
Gold Account Travel Insurance meets the
sports trips limited to 31 days) anywhere
demands and needs of Royalties Gold
in the world. Trips in the UK must be for
Account customers who wish to ensure
at least 3 consecutive days and all trips
that travel insurance cover exists while
must start and end in the UK.
on holiday.
Involving only insured activities listed in
Policy Summary the policy wording, and for leisure or
non-manual work.
This is a summary of the policy only and
does not form part of the contract between Optional extra sections are available by
us. The full terms and conditions of the calling the insurer on 0870 562 5555 for:
insurance contract can be found in the
Business
policy booklet. You should read all
documents carefully and keep them for Golf
future reference. Weddings
The Insurer Hazardous Activities.
The insurer is U K Insurance Limited. There are also other cover upgrades
available for:
Type of insurance and cover Medical conditions
Royalties Gold Account Travel Insurance is
Guests
designed to meet certain costs that might
occur while you are travelling. Age
Unless the insurer has confirmed otherwise Extended trip duration
in writing, the insurance will only cover: Extra cancellation cover
The account holder(s), and any domestic and if you have any of these extra sections
partner and dependant children under or upgrades you will receive separate
age 18 years (or 23 if in full time documents confirming this, and the period
education, living at the same address and for which cover applies.
22
Generated at: Mon Feb 10 13:53:15 2014Cover for medical conditions are on a waiting list for treatment as an
in-patient or were aware of the need for
Pre-existing medical conditions are not
treatment as an in-patient;
covered at any time under this policy
unless they have been disclosed to the have received a terminal prognosis.
insurer and accepted by them in writing.
Between the date you booked your trip and
It is important that you read and fully
the start date of your trip:
understand the Medical Declaration on
page 12 of the policy. You must tell us about any new serious
injury or serious illness affecting any
When you become an insured person
insured person.
or when you book your trip (whichever
is later): If you still wish to go on your trip your
policy will continue to operate normally.
You must tell us about each pre-existing
medical condition for any insured person.
This is any medical condition for which you:
have received advice, treatment or a
prescription for medication (whether
taking it or not) from a doctor during the
last 12 months;
have a heart or cancer related condition;
are under investigation or awaiting
diagnosis;
23
Generated at: Mon Feb 10 13:53:15 2014Summary of the main features and benefits of Royalties Gold Account
Travel Insurance
Cover Section Features and benefits Limit of cover Policy
(per person) page
Part 1 – Covers For Your Trip
A. Cancelling Travel and accommodation costs that you have paid and £5,000 14
Your Trip cannot get back when you have to cancel a trip due to the
death, serious injury or serious illness of insured people,
travelling companions, close relatives, business associates or
people you had planned to stay with. It also covers other
reasons for you not being able to travel, including
involuntary redundancy, jury service or advice from the
Foreign & Commonwealth Office
B. Delayed E xtra travel and accommodation costs to get you to your £1,000 16
Or Missed destination or return you home if your transport is
Departure delayed meaning you miss your departure
E xtra travel, accommodation and refreshment costs if you £250
have checked in but your transport is delayed
T ravel and accommodation costs that you have paid and £5,000
cannot get back where you have abandoned your trip
because your departure was delayed for at least 6 hours
(for trips of up to 4 nights) or 12 hours for longer trips
C. Cutting Travel and accommodation costs that you have paid and £5,000 17
Short Your cannot get back when you have to cut short a trip due to the
Trip death, serious injury or serious illness of insured people,
travelling companions, close relatives, business associates or
people you had planned to stay with. It also covers other
reasons for you not being able to travel, including
involuntary redundancy, jury service or advice from the
Foreign & Commonwealth Office
Part 2 – Covers For You
D. Emergency While you are outside your home area: 19
Medical and E
mergency medical, surgical and hospital treatment £10,000,000
Related overall
Costs Emergency
dental treatment £1,000
Hospital benefit for every 24 hours in hospital £50 per day
Whether outside or inside your home area: £10,000 in home
area
E xtra travel and accommodation costs as a result of Included in above
medical treatment limits
Funeral
or cremation abroad or returning body home £7,500
E. Personal Accidental injury on a trip resulting in: 21
Accident D
eath or total permanent disability (depends on age) £2,000 if under
18 years old
£25,000 if over
18 years old
L oss of sight or limb £25,000
F. Personal Personal liability for compensation you become legally liable £2,000,000 22
Liability to pay
24
Generated at: Mon Feb 10 13:53:16 2014Cover Section Features and benefits Limit of cover Policy
(per person) page
G. Legal Costs Legal costs for you claiming damages and compensation £50,000 23
following injury, illness or death or for breach of contract
Part 3 – Covers For Your Property
H. Baggage The cost of replacing items that are lost, stolen or £1,500 25
accidentally damaged. Lower limits apply as follows:
F or any one item £300
In total for all valuables (as defined in the policy) £500
I. Delayed The cost of essential replacement items if your baggage is £650 (after 26
Baggage temporarily lost for more than 4 hours at the start of your trip 48 hours)
J. Personal The cost of replacing money that is lost or stolen. £500 26
Money
K. Lost Travel, accommodation and administration costs to get £750 27
Passport or emergency replacement documents to get you home
Driving
Licence
L. Winter U nused ski pack as a result of injury or illness £250 27
Sports The
cost of replacing winter sports items that are lost, £400
stolen or accidentally damaged
E xtra travel costs or compensation if the piste is closed £30 per day
C ompensation if avalanche delays arrival or departure £200
Part 4 – Optional Extra Covers
M. Business T he cost of replacing business equipment items that are £1,500 29
lost, stolen or accidentally damaged
The
cost of essential replacement business equipment £500
items if yours are temporarily lost for more than 4 hours
at the start of your trip
The
cost of a colleague replacing you due to death, injury £1,500
or illness
N. Golf The
cost of replacing golf equipment items that are lost, £1,500 31
stolen or accidentally damaged
T he cost of essential replacement golf equipment items if £250
yours are temporarily lost for more than 4 hours at the
start of your trip
L ost green fees due to injury or illness £250
O. Wedding The
cost of replacing wedding effects that are lost, stolen £1,500 32
or accidentally damaged
Replacement
photographs and video recordings £750
This is only a summary of the cover provided and the limits that apply. Please refer to the
policy wording for full details.
25
Generated at: Mon Feb 10 13:53:16 2014Summary of the main exclusions and limitations of Royalties Gold Account
Travel Insurance
Cover Section Significant or unusual exclusions or limitations. You will not be covered for Policy
any claim for: page
Applying to The
excess of £50 per person, which applies to claims under most sections Various
the whole A traveller who is over 70 years of age unless an age extension is in force at
policy the time
Any
activities not on the list of permitted activities, unless the insurer has
agreed to it
Trips
of more than 31 days, unless the insurer has agreed to it
Trips
of less than 3 consecutive days within your home area
An
event when there is no Royalties Gold Account in force
Any
deliberate act, or event of which you had prior knowledge before opening
or upgrading the account or booking your trip
A trip to a country or area where the Foreign & Commonwealth Office has
advised against all travel
Part 1 – Covers For Your Trip
A. Cancelling Expenses
you can recover from elsewhere 14
Your Trip A pre-existing conditions for any traveller unless we have accepted it in writing
Cancellation
as a result of a medical condition of a close relative, business
associate or travelling companion who has been or is waiting for treatment as
an in-patient, has been diagnosed with cancer or given a terminal prognosis in
the last 12 months
B. Delayed Or Expenses
you can recover from elsewhere 16
Missed Expenses
for trips that are not international
Departure Expenses
for both Delayed International Departure and Abandoned
International Departure for the same event
Missed
International Departure where your vehicle hasn’t been properly
serviced and maintained
C. Cutting Expenses
you can recover from elsewhere 17
Short Your A pre-existing conditions for any traveller unless we have accepted it in writing
Trip Cutting
short a trip as a result of a medical condition of a close relative,
business associate or travelling companion who has been or is waiting for
treatment as an in-patient, has been diagnosed with cancer or given a terminal
prognosis in the last 12 months
Part 2 – Covers For You
D. Emergency A pre-existing conditions for any traveller unless we have accepted it in writing 19
Medical and Non-emergency
dental work, or involving precious metals
Related Medical
treatment costs in your home area
Costs Private
treatment unless we have agreed to it
E. Personal A pre-existing conditions for any traveller unless we have accepted it in writing 21
Accident Sickness
or naturally occurring condition
Total
permanent disability if you had retired before travelling
F. Personal Relating
to owning or using animals (other than your pets), firearms, vehicles, 22
Liability vessels or aircraft
Related
to your job
G. Legal Costs Action
where there is no reasonable prospects of success 23
Defending
actions against you
Expenses
incurred before we have accepted your claim
26
Generated at: Mon Feb 10 13:53:17 2014Cover Section Significant or unusual exclusions or limitations. You will not be covered for Policy
any claim for: page
Part 3 – Covers For Your Property
H. Baggage If
you do not report the loss to the police within 24 hours or have no 25
police report
Unless
the items stolen were in your locked accommodation, safe or safety
deposit box, or vehicle
For
valuable items, if they are not with you
I. Delayed If
you do not get a Property Irregularity Report 26
Baggage
J. Personal If
you do not report the loss to the police within 24 hours or have no 26
Money police report
Unless
the items stolen were in your locked accommodation, safe or safety
deposit box, or vehicle
K. Lost If
you do not report the loss to the police within 24 hours or have no 27
Passport or police report
Driving Unless
the items stolen were in your locked accommodation, safe or safety
Licence deposit box, or vehicle
L. Winter If
you do not report the loss to the police within 24 hours or have no 27
Sports police report
Items
stolen in your unattended vehicle
Part 4 – Optional Extra Covers
M. Business If
you do not report the loss to the police within 24 hours or have no 29
police report
Valuable
items stolen from your unattended vehicle
N. Golf If
you do not report the loss to the police within 24 hours or have no 31
police report
Valuable
items stolen from your unattended vehicle
O. Wedding If
you do not report the loss to the police within 24 hours or have no 32
police report
Valuable
items stolen from your unattended vehicle
This is only a summary of the cover provided and the limits that apply. Please refer to the
policy wording for full details.
27
Generated at: Mon Feb 10 13:53:17 2014Duration of the policy whichever is the later, and so long as no
insured person has travelled or made
The policy remains in force until one of the
a claim.
following occurs:
The Royalties Gold Account is closed If you need to claim
Each traveller reaches 70 years of age, How to make a claim
unless they buy an age extension. While you are away:
If you are injured or ill while you are away,
Cover for other travellers will continue call our Emergency Assistance Service
to operate. 0870 562 5555
+44 1252 740 441 from abroad
Lines are open 24 hours a day, 365 days a year
Any traveller is no longer a UK resident.
Non-emergency claims
Upgrades and extensions to cover will 0870 562 5555 in the UK
either be renewable annually (we will send +44 1252 740 441 from abroad
Lines are open 9am to 5pm Monday to Friday
you a renewal notice) or will be for a single
trip only. Legal Costs claims
0845 246 2070 in the UK
Because the Royalties Gold Account Travel +44 1275 557 950 from abroad
Lines are open 24 hours a day, 365 days a year
Insurance has no end date, and your
circumstances will change from time to
How to complain
time, it is important that you regularly
review the cover to ensure it meets Should there ever be an occasion where
your needs. you need to complain, please call us on
0870 562 5555 or if you wish to write, then
Cancellation rights please address your letter to Customer
Relations, P O Box 1150, Churchill Court,
The account holder can cancel this policy
Bromley BR1 9WA.
at any time by telling us either over the
phone or in writing. However, this insurance If we cannot resolve the differences between
is included as an integral benefit with us, you may refer your complaint to the
your Royalties Gold Account. You do Financial Ombudsman Service (FOS).
not, therefore, pay a separate premium Their address is: Financial Ombudsman
and would not receive any refund as a Service, South Quay Plaza, 183 Marsh Wall,
consequence of cancelling the policy. London E14 9SR. Phone: 0800 023 4567
or 0300 123 9 123. You can visit the
The account holder can cancel any
FOS website at www.fos.org.uk
upgrades or endorsements at any time
by telling us either over the phone or in
Details about our regulator
writing. We will not refund any premium
unless the account holder cancels the U K Insurance Limited is authorised by
relevant upgrade or endorsement within the Prudential Regulation Authority
14 days from the date of purchase or and regulated by the Financial Conduct
renewal or the date of receiving the Authority and the Prudential Regulation
relevant documents or renewal notice, Authority. Registration number 202810.
The Financial Conduct Authority website,
28
Generated at: Mon Feb 10 13:53:17 2014which includes a register of all regulated
firms can be visited at www.fca.org.uk,
or the Financial Conduct Authority can
be contacted on 0800 111 6768. The
Prudential Regulation Authority website can
be visited at www.bankofengland.co.uk/pra,
or the Prudential Regulation Authority can
be contacted on 020 7601 4878.
Under the Financial Services and Markets
Act 2000, should the company be unable
to meet all its liabilities to policyholders,
compensation may be available. Insurance
advising and arranging is covered for 90%
of the claim without any upper limit. For
compulsory classes of insurance, Insurance
advising and arranging is covered for
100% of the claim, without any upper
limit. Information can be obtained on
request, or by visiting the Financial Services
Compensation Scheme www.fscs.org.uk
We will also be happy to send you any
of our brochures, letters or statements in
Braille, large print or audio, upon request.
Royalties Gold Account Travel Insurance
is underwritten by U K Insurance Limited.
Registered office: The Wharf, Neville Street,
Leeds LS1 4AZ. Registered in England
No. 1179980. U K Insurance Limited is
authorised by the Prudential Regulation
Authority and regulated by the Financial
Conduct Authority and the Prudential
Regulation Authority.
29
Generated at: Mon Feb 10 13:53:17 2014Generated at: Mon Feb 10 13:53:17 2014
Generated at: Mon Feb 10 13:53:17 2014
The Royal Bank of Scotland plc. Registered Office:
36 St Andrew Square, Edinburgh EH2 2YB. Registered in Scotland No. 90312. RBSL571 1/04/2014
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