|
|
| Policy Summary - Egg Card In-Transit Purchase Protection - St Andrew's UK plc |
|
This policy summary does not contain full details and conditions of your insurance - these are located in your policy wording.
| | Type of Insurance and Cover |
This insurance is provided free to all Egg Cardholders and provides indemnity for all risks of accidental loss, theft or damage to insured articles (see full definitions within the policy wording) purchased using an Egg Card.
Any damage caused by malicious persons or vandals, loss or theft must be notified to the police within 24 hours of discovery of such damage, loss or theft.
The maximum amount payable in total in respect of claims made on one Egg Card account within the first year and yearly thereafter is £10,000.
BACK TO THE TOP OF THE POLICY SUMMARY
| | Features and Benefits |
What is Covered- Accidental loss, theft or damage to the insured article(s) purchased by the cardholder, using their Egg Card, from the date of purchase until the arrival at home or the temporary accommodation. The maximum amount payable in respect of any one item will be the original purchase price, subject to a maximum of £1,000.
BACK TO THE TOP OF THE POLICY SUMMARY
| | Significant or unusual Exclusions or Limitations: |
- For insured articles purchased with a partial payment using your Egg Card the maximum amount payable will be based pro-rata upon the percentage the partial payment bears to the full purchase price.
- Companion pieces except where they cannot be clearly separated from each other.
What is not covered:- The first £25 of every claim.
- War, invasion, act of foreign enemy hostilities or confiscation by customs.
- Chewing, scratching, tearing or fouling by any domestic animals.
- Insured articles used for business purposes.
- Theft from an unattended vehicle unless the insured article was out of site in the locked glove box or boot of the locked vehicle.
- Mail order items or items delivered by courier until the goods are received, checked for damage by you and accepted at the nominated delivery address.
- Liability for death, bodily injury or damage to other property or consequential loss arising directly or indirectly from the use, ownership or possession of the insured article.
Details of these exclusions can be found in the policy document under the 'What is not covered' section.
BACK TO THE TOP OF THE POLICY SUMMARY
| | Duration |
The date of purchase of an insured article until the earliest of the following dates:
- Arrival at home or the temporary accommodation of the cardholder.
- Midnight on the thirtieth day after the purchase.
- The insured article(s) is used for any purpose.
- The termination of the cardholder's rights under the Conditions of Use.
- Withdrawal or suspension of the Egg Card from the cardholder.
BACK TO THE TOP OF THE POLICY SUMMARY |
| | Cancellation period |
Cover is provided at no extra cost and is automatically included within the terms and conditions of your Egg Card, as such there are no grounds for cancellation.
BACK TO THE TOP OF THE POLICY SUMMARY
| | Claim Notification |
To register a claim contact 0845 120 5203.
BACK TO THE TOP OF THE POLICY SUMMARY
| | Making Yourself Heard |
Any complaint you may have should in the first instance be addressed to the Customer Relations Team at Egg Card. If you are not satisfied with the way in which your complaint has been dealt with, you should write to the Customer Liaison Manager at St Andrew's Insurance.
If the complaint is still not resolved, you can approach The Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action.
Full details of addresses and contact numbers can be found within the Policy Wording.
BACK TO THE TOP OF THE POLICY SUMMARY
| | Financial Services Compensation Scheme (FSCS) |
We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.
Non compulsory insurance is protected for 90% of any amount.
Further information about compensation scheme arrangements is available from the FSCS.
Full details are available at www.fscs.org.uk
BACK TO THE TOP OF THE POLICY SUMMARY
BACK TO THE TOP OF THE PAGE |
|
| Policy Document - In-Transit Purchase Protection |
Welcome to Your Egg Card In-Transit Purchase Protection Policy.
This cover is free to all Egg Cardholders.
In the event of You needing to make a claim please contact the Claims Helpline on 0845 120 5203.
Telephone calls may be monitored or recorded to assist with staff training and for quality control purposes.
Under this Policy the Insurer agrees to provide in-transit purchase protection cover on the basis of the following terms, conditions and exclusions.
| | MEANING OF WORDS USED IN THIS POLICY |
These words are listed in alphabetical order and whenever they are used in the Policy in bold typeface they have the meanings set out below.
"HOME": Your usual permanent place of residence in the United Kingdom.
"INSURED ARTICLES": any article purchased using an Egg Card. Insured Articles shall not include cash or its equivalent, travellers cheques, any other negotiable instruments, tickets that in the event of loss or damage will still be honoured by the issuer, animals or plants, motor vehicles, motor cycles, bicycles, boats or caravans, items fixed to motor vehicles and property, tools and equipment intended for use for business purposes or in connection with a trade or profession.
"INSURER": St Andrew's Insurance plc. Registered office: 33 Old Broad Street, London, England, EC2N 1HZ. Registered in England no. 3104671. St Andrew's Insurance plc is authorised and regulated by the Financial Services Authority (FSA).
"NON-INSURED LOSS": Any costs beyond the cost of replacing damaged property or repairing the damage to property, for example any loss in value which may occur as a result of loss or damage.
"PERIOD OF INSURANCE": the date of purchase of an Insured Article until the earliest of the following dates:
- arrival at Home or the temporary accommodation of the Cardholder ; or
- midnight on thirtieth day after purchase; or
- the Insured Article(s) is used for any purpose; or
- the termination of the Cardholder's rights under the Conditions of Use; or
- withdrawal or suspension of the Egg Card from the Cardholder.
"WE, US, OUR": Egg Banking plc (registered number 2999842) of Pride Park, Derby DE99 3GG (we are a bank authorised and regulated to the Financial Services Authority (FSA) and entered in the FSA register under number 205621)
"YOU, YOUR, CARDHOLDER": the Principal Cardholder and Additional Cardholders as specified in the Egg Card Agreement. BACK TO THE TOP OF THE POLICY DOCUMENT | | PROVISIONS |
What is Covered
An indemnity is provided for all risks of direct physical accidental loss, theft or damage to the Insured Articles purchased by the Account holder from the date of purchase until the arrival at Home or the temporary accommodation of the Account holder.
The Policy will at the Insurer's option, pay either:-
- the cost of repair of the Insured Article; or
- the cost of replacement of the Insured Article as debited to Your Egg Money account on purchase of the replacement.
The maximum amount the Insurer will pay in respect of any one Insured Article will be the original purchase price of the Insured Article, subject to a maximum amount of £1,000.
For Insured Articles purchased with a partial payment utilising the Egg Card the maximum amount payable by the Insurer will be based pro rata upon the percentage the partial payment bears to the full purchase price.
The maximum amount payable by the Insurer in respect of any one or number of claims arising out of any one incident will be £1,000.
The maximum amount the Insurer will pay in total in respect of claims made on one Egg Card account from the date that the account was opened until the first anniversary of the account opening and yearly thereafter is £10,000.
If at the date of loss or damage to any Insured Article there is any other insurance covering the same loss or damage then the Account holder will only be reimbursed to the extent that the direct physical accidental loss, theft or damage has not been paid by such other insurance. This reimbursement will not extend to any policy excess.
An Insured Article forming part of a pair or set is regarded as a single item.
The Insurer will pay for individual damaged items but not for companion pieces except where they cannot be clearly separated from each other. |
|
| What is Not Covered |
The Insurer will not pay for direct physical accidental loss, theft or damage to Insured Articles caused by:- war, invasion, act of foreign enemy hostilities (whether war is declared or not), civil war, rebellion, revolution, insurrection, or military or usurped power,
- confiscation or detention by customs or other officials or authorities.
The Insurer will not pay for direct physical accidental loss of or damage to Insured Articles which occurs:- due to electrical or mechanical breakdown or derangement,
- due to chewing, scratching, tearing or fouling by Your domestic animals,
- due to inherent product defects,
- due to the direct physical abuse of the Insured Article,
- due to the Insured Article being used for business purpose,
- due to theft from an unattended vehicle unless the Insured Article was out of sight in the locked glove box or boot of the locked vehicle,
- outside the Period of Insurance.
The Insurer will not pay for any mail order items or items delivered by courier until the goods are received, checked for damage by You and accepted at the nominated delivery address.
The Insurer will have no liability under the policy for death, bodily injury or damage to other property or any non-insured loss of whatsoever nature arising directly or indirectly from the use, ownership or possession of the Insured Articles.
The first £25 of every claim is excluded.BACK TO THE TOP OF THE POLICY DOCUMENT
| | General Conditions |
It is a condition of the Policy that all reasonable precautions are taken to safeguard each Insured Article.
1. If any information provided by You or anyone acting on Your behalf to Us or the Insurer is inaccurate or if You fail to disclose any information which might reasonably affect the Insurer's decision to provide insurance to You, any rights to any benefit under this Policy shall end.
2. You must not act in a fraudulent manner.
If You or anyone acting for You
- make a claim under the Policy knowing the claim to be false or fraudulently exaggerated in any respect or
- make a statement in support of a claim knowing the statement to be false in any respect or
- submit a document in support of a claim knowing the document to be forged or false in any respect or
- make a claim in respect of any loss or damage caused by Your wilful act or with Your connivance
Then the Insurer- shall not pay the claim
- shall not pay any other claim which has been or will be made under the Policy
- may at its option declare the Policy void
- shall be entitled to recover from You the amount of any claim already paid under the Policy
- shall not make any return of premium
- may inform the police of the circumstances.
3. When a claim is paid for loss or replacement, the Insured Article automatically becomes the property of the Insurer. You must not dispose of any damaged item without obtaining the prior permission of the Insurer. You must not abandon any property to the Insurer.
4. It is a condition of the cover that any damage caused by malicious persons or vandals, loss or theft must be notified to the Police within 24 hours of discovery of such damage, loss or theft.
5. We will always communicate with You in English.
6. Other taxes or costs may exist that are not paid through Us or the Insurer or imposed by Us or the Insurer.
7. This Policy has no minimum duration.
8. The Insurer may at any time change any term or condition of this Policy by giving not less than 30 days written notice of such change to You at Your last known address.
9. Cover is provided at no extra cost and is automatically included within the terms and conditions of your Egg Card, as such there are no grounds for cancellation.
10. We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and circumstances of the claim. Further information about compensation scheme arrangements is available from the FSCS. Contact them at
www.fscs.gov.uk or call them on 020 7892 7300.
BACK TO THE TOP OF THE POLICY DOCUMENT |
|
| How To Make A Claim |
In the event of a claim please contact the Claims Helpline on 0845 120 5203.
Telephone calls may be monitored or recorded to assist with staff training and for quality control purposes.
You may contact the Claims Helpline using TypeTalk, Telephone 18001 0845120 5203.
Notice of any claim should be given within 45 days of the direct physical accidental loss or damage occurring. A claim form may be sent to You when claims notification is made. The completed claim form and the required documentation must be returned to the Insurer within 28 days of notification.
You will be required to produce an appropriate till receipt as evidence of Your claim and supply at Your expense all information and assistance that the Insurer may require to assess Your claim.
The Cardholder will at the request of the Insurer send the damaged item in respect of which the claim is being made to an address designated by the Insurer.
BACK TO THE TOP OF THE POLICY DOCUMENT
| | Caring For Our Customers |
We realise that things can go wrong and there may be occasions when You feel that We have not provided the service You expected. When this happens We want to hear about it so We can try and put things right. If You have cause for complaint it is important You know We are committed to providing You with an exceptional level of service and customer care.
Who to contact?
The most important factors in getting Your complaint dealt with as quickly and efficiently as possible are:
- to be sure You are talking to the right person and
- that You are giving them the right information
So We begin by establishing Your first point of contact:
Step One - initiating your complaint:
Does Your complaint relate to
A Your Policy?
B a claim on Your Policy?
If A You need to contact the Customer Relations Office, Egg Banking plc, Pride Park, Derby, DE99 3GG. Telephone: 08451 233 233. Or email at complaints@egg.com
If B You need to contact Egg Card, PO Box 534, Uxbridge, UB8 1WF. Telephone 0845 120 5203.
We expect that the majority of complaints will have been quickly and satisfactorily resolved at this stage but if You are not satisfied You can take this matter further.
Step Two - contacting St Andrew's Head Office
If Your complaint is one of the few that cannot be resolved by this stage write to the Customer Liaison Manager who will arrange for an investigation on behalf of the Chief Executive:
Customer Liaison Manager
St Andrew's Group plc
PO Box 534
Uxbridge
UB8 1WF
Step Three - beyond St Andrew's
If the Insurer has given You their final response and You are still dissatisfied You may refer Your case to the Financial Ombudsman Service (FOS).
The FOS is an independent body that arbitrates on complaints about general insurance products. It will only consider complaints after the Insurer has provided You with written confirmation that their internal complaints procedure has been exhausted.
Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London E14 9SR
Telephone 0845 080 1800 Fax 020 7964 1001
Referral to the Financial Ombudsman will not affect Your right to take legal action against Us.
BACK TO THE TOP OF THE POLICY DOCUMENT
| | THE LAW APPLICABLE TO THIS CONTRACT |
You and We are free to choose the law applicable to this contract. In the absence of an agreement to the contrary the law of England and Wales will apply. If You reside in Scotland or Northern Ireland the law applicable to that appropriate country will apply.
BACK TO THE TOP OF THE POLICY DOCUMENT
| | Important Note |
Initial Disclosure Documents and Policy Summaries are available on www.egg.com alternatively they can be provided in paper format upon request. Please call 08451 233 233 to request a copy.
BACK TO THE TOP OF THE POLICY DOCUMENT
BACK TO THE TOP OF THE PAGE |
|
|
|
Egg Home > Bank > Egg Card > Purchase in transit > 
