Privilege and Privilege Premier current accounts

1 Privilege and Privilege Premier current accounts Mobile Phone insurance and UK & European Motor Breakdown Cover policy Summaries and policy Documents 1 08/05/2018 16:05. 2 Contents Mobile Phone insurance and UK & European Motor Breakdown Cover Contents Mobile Phone insurance UK & European Motor Breakdown Cover One of the great benefits of your Privilege or Privilege Premier current account is Mobile Phone If you have taken out a Privilege Premier current account , you also receive UK & European insurance . This booklet gives you the full details, from important terms and conditions to what Motor breakdown cover; giving you reassurance that you'll always have someone to rely on if to do if you need to make a claim. you happen to breakdown. This booklet contains all the information you need to know about your policy , from what to do in an emergency to the terms and conditions of your cover.

2 policy summary Page 3. policy document Page 6 Demands and needs Page 18. Who is this cover designed for? Page 7 policy summary Page 19. The cover you receive Page 8 Terms and Conditions Page 24. What you are NOT covered for Page 9 How to obtain assistance in the UK Page 25. Actions you will need to take on loss, theft, breakdown Services in the UK Page 25. or damage to your mobile phone Page 11 Recovery Page 26. How to make a claim Page 12 At Home Page 26. What you need to know about the claims process Page 12 Replacement car hire Page 27. What if your claim is rejected? Page 12 How to obtain assistance abroad Page 28. Tell us when your details change Page 13 Mobile and car phones Page 28. Fraud Page 13 Services whilst abroad Page 29. Price of your insurance Page 13 Additional services Page 31.

3 Duration of this policy Page 13 Spare parts dispatch Page 31. Cancelling your insurance Page 13 Accidental damage to or loss of tent Page 32. Making an enquiry or complaint Page 14 Urgent message relay service Page 32. Choice of law Page 14 Replacement driver Page 32. If we need to change the terms of the policy Page 14 Customs claims indemnity Page 32. Financial Services Compensation Scheme (FSCS) Page 14 policy requirements and limitations Page 32. Status disclosure Page 14 policy exclusions (Service in the UK and abroad) Page 35. Data Protection - How we handle your personal information Page 15 European claims procedure and conditions Page 37. General Page 38. Your right to cancel Page 39. Caring for our customers Page 40. 2 08/05/2018 16:05. Mobile Phone insurance 3.

4 Mobile Phone insurance The Co-operative Bank Privilege and Privilege Premier current account Mobile Phone insurance provided by Lifestyles Services Group Limited and underwritten by Assurant General insurance Limited Demands and Needs Mobile Phone insurance is designed for Co-operative Bank Privilege and Privilege Premier policy summary current account holders who wish to ensure that their mobile phone(s) and/or those of We recognise that your mobile phone is so much more than just a device to make and their family member(s) is covered against loss, theft, accidental damage, water and liquid receive calls. As a benefit of being a Co-operative Bank Privilege or Privilege Premier damage, electrical or mechanical breakdown and unauthorised calls. The Co-operative Bank current account holder, we will repair or replace your mobile phone(s) in the circumstances are not providing you with a personal recommendation based on your individual summarised below.

5 These are explained in full detail in the insurance policy document. circumstances as to whether this policy is suitable for your needs; and recommend that you read the policy summary below. We want you to get the most out of this policy , and that means you need to be clear on what is and isn't covered. The policy summary and policy documents provide details of the policy , Status Disclosure which you must read to ensure that the policy meets your needs. Full terms and conditions of the policy can be found in the policy document. you may need to review this policy This policy has been arranged as part of your bank account and is administered by Lifestyle periodically to ensure it continues to meet your requirements. Services Group Limited (Financial Services Register No.)

6 315245) with a single insurer, Assurant General insurance Limited (Financial Services Register No. 202735). What you are covered for Assurant General insurance Limited is authorised by the Prudential Regulation Authority T his policy covers up to four mobile phone(s) and SIM card(s) for each Co-operative Bank and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Privilege or Privilege Premier current account (which must be owned by the account holder Lifestyle Services Group Limited is authorised and regulated by the Financial Conduct (you) or their family members. A family member is a relative living at the same address Authority. All firms' register details can be checked on the Financial Services Register by as you). visiting the FCA's website or by phoning 0800 111 6768.

7 Replacing or repairing your mobile phone, up to a maximum value of 1,500 (including VAT) per claim, in the event of: loss theft damage breakdown (including faults). occurring anywhere in the world. 3 08/05/2018 16:05. 4 Mobile Phone insurance Mobile Phone insurance Unauthorised network charges from the point that your mobile phone was lost or stolen If you need to claim for up to 24 hours after discovery of the loss or theft, up to a maximum value of 2,000. (including VAT) per claim for monthly contract phones and 200 (including VAT) per You should tell us about your claim as soon as possible after becoming aware of the loss, claim for Pay As you Go phones. theft, damage, or breakdown, and inform the police and your airtime provider (in the case of loss or theft). Mobile phone accessories that are lost, stolen or damaged at the same time as your mobile phone, up to a maximum value of 350 (including VAT) per claim.

8 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 What you are NOT covered for to your mobile phone' in the policy document). You need to pay a contribution every time you make a successful claim of We may ask for details on the steps you have taken to report the phone missing and any Apple handsets - 75 attempts to recover it. Non-Apple handsets - 50 You can make a claim at or by calling This is the excess. your excess is payable for every accepted claim and must be 0344 249 9981. paid before your claim will be settled. If your mobile phone has the functionality, activate any location finder app or software More than two instances that give rise to an accepted claim for each account holder in to help you in retrieving it.

9 This may also enable you to lock and wipe the data stored on any 12-month period. A full description is in the What you are NOT covered for' section your mobile device. of the policy document. When returning any items in order for repair to be carried out, please ensure that you Theft, loss, damage or breakdown where you have knowingly put your mobile phone have removed any locking mechanism ( Find my iPhone') before you send your at risk or you have not taken care of it. Examples are provided in the What you are device to us. If this isn't removed this will affect the processing of your claim and the NOT covered for' section of the policy document, which you should read to help you handset may be returned to you for the block to be removed before the claim can be understand the cover.

10 Assessed. We may not be able to complete a claim until we can confirm the security features have been removed. Price of your insurance This policy is provided as a benefit of you being a Co-operative Bank Privilege or Privilege Cancelling your insurance Premier current account holder. The cost is an inclusive part of your Privilege or Privilege You have the right to cancel your insurance at any time. If you or The Co-operative Bank Premier current account monthly subscription. close your account , or The Co-operative Bank terminates the cover provided through the account benefits package, cover will stop immediately unless you are moving from one qualifying account to another. No refund is due upon cancellation. Duration of this policy Cover commences on the date you open a Privilege or Privilege Premier current account and will continue for each month you hold that account and continue to pay the monthly Got a question?