Abroad - In a country other than England, Scotland, Wales, Northern Ireland or Jersey.
Card - Your credit, charge, cash, cheque, debit, store and other cards as shown in the schedule or reported to us before or at the time you report a card loss.
Card loss - Loss by you or theft from you of a card during the period of insurance.
CIFAS - A not for profit membership organisation dedicated solely to the prevention of financial crime in the United Kingdom.
Claim - Any claim you make under this policy.
Commission - 5p a year.
Communications costs - The cost of a phone call, fax or letter.
Cover - The benefits available to you under this policy.
CPP - Card Protection Plan Limited (reg no 1490503).
Fee - The difference between the premium and the total amount you must pay.
Home - The place where you live, which you have given us the address for, before making any claim.
Insurer - ACE European Group Limited (reg no 01112892) whose UK Head Office is at ACE Building, 100 Leadenhall Street, London EC3A 3BP.
Issuer - The issuers of the cards.
Main policyholder - The person you have told us is responsible for this policy.
Pay card - The card from which the fee and the premium will be collected.
Period of insurance - The period of insurance starting on the start date. It includes any future periods for which you make a renewal payment.
Personal belongings - Your handbags, wallets, purses, briefcases or the like in which you kept the cards at the time of their loss or theft.
Personal items - Any luggage that you own other than personal belongings.
Policy - These terms and conditions and the schedule, and any changes to either of these.
Premium - 50p a year or any other amount we agree with you from time to time.
Renewal date - The renewal date shown in the renewal letter which we send you or which we tell you about at any other time.
Schedule - Computer printouts of card numbers and personal details which we send you from time to time.
Start date - The start date shown in your welcome letter which we send you.
Unauthorised use - Use of the card by someone else other than you following card loss.
United Kingdom - England, Scotland, Wales and Northern Ireland.
We, us, our - Card Protection Plan Limited (registered number 1490503) acting as an agent for the insurer.
Year - A period of 12 months in a row.
You, your -The person or people whose names appear in the schedule.

BACK TO THE TOP OF THE POLICY DOCUMENT

Your personal details
We will use the information you provide to:

• Manage your card protection policy;
• Collect payments when due; and
• Process any claim you make in connection with lost or stolen cards.

• Checking details on applications for credit and credit related accounts or other facilities;
• Managing credit and credit related accounts or facilities;
• Recovering debt;
• Checking details on proposals and claims for all types of insurance; and
• Checking details of job applications and employees.

• If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies.
• Law enforcement agencies may access this information.
• CIFAS and other organisations may, from other countries, access and use the information recorded by fraud prevention agencies.
• The fraud prevention agencies that may process your information are Callcredit (phone: 0870 060 1414), Equifax (phone: 0870 010 0583), MCL Software Ltd (phone: 01704 501 001) and Experian (phone: 0800 656 9000).

The Compliance Manager
Card Protection Plan Limited
Holgate Park
York
YO26 4GA

Please note that there will be a separate administration charge for this service.

BACK TO THE TOP OF THE POLICY DOCUMENT

You have a contract with CPP separate from your contract with the insurer whereby CPP introduces you to the insurer and acts as intermediary in connection with the making of your contract contained in your policy. If you take up the policy you are obliged to pay CPP the fee in consideration of its introductory services. This means that you will have made contracts with both CPP and the insurer. The obligations of CPP under its contract with you are discharged by performance when you take up the policy at the expiry of the cooling off period.

BACK TO THE TOP OF THE POLICY DOCUMENT

Policies are for a main policyholder and up to four other cardholders. All of these people must live at the same address and agree that we can release their details to the others insured under their policy.

We collect the payments from a card which the main policyholder has told us is the pay card. If you no longer want your policy to cover this card, we will collect payments from any other card you have registered with us.

We may communicate with any policyholder, and ask permission from them on behalf of the other policyholders to:

• Register cards and valuable documents onto a policy; or
• Report a lost card; or
• Make contact with the card issuers; or
• Provide permission for marketing purposes; or
• Process a claim.

BACK TO THE TOP OF THE POLICY DOCUMENT

We will provide one key ring for every registered policyholder.

Remember that you have a right to cancel your policy. If you decide to cancel within 14 days of your start date or renewal date, please call us on 0844 848 4266 and we will cancel your policy right away and refund the payment you have made.

Please note that if you choose to cancel your policy outside of the cooling off periods shown above, you will not be entitled to a refund.

BACK TO THE TOP OF THE POLICY DOCUMENT

If at any time you want to tell us about a problem with your policy, please call us on 0844 848 4266. Or you can write to the Complaints Manager at:

Egg Emergency Cover
PO Box 353
York
YO24 4YS

We will do our best to answer your query within five working days. If we have not replied to your complaint by then, we will send you an acknowledgement letter to keep you informed of progress.

If you are not happy with our reply, you can appeal to the Financial Ombudsman Service at:

The Financial Ombudsman Service
Insurance Division
South Quay Plaza
183 Marsh Wall
London
E14 9SR

Please note that the Ombudsman will not be able to help unless you have first brought your complaint to us and your subsequent appeal is made within 6 months of our final reply.

BACK TO THE TOP OF THE POLICY DOCUMENT

If you need to make a claim on your policy, please call us any time on 0844 848 4266. We will then send you a claim form to fill in and return to us. All claims must be received within one year of the date of card loss. Please remember to include all the documents that we ask for, including original receipts (not copies) for any expenses claimed for. If you do not, we will not be able to process your claim until we have received them. If we have received all the documents that we need, we aim to process claims within 14 days.

If you are unhappy with a decision we have made you have the right to appeal. If you would like to appeal, please write to:

The Appeals Team
Card Protection Plan Limited
Holgate Park
York
YO26 4GA

Please note that when processing and settling claims and appeals, CPP does so as an agent for the insurer and not as agent for the policyholder. Accordingly, any amounts due to you in settlement of a claim is not deemed in law to have been paid out until received by you.

BACK TO THE TOP OF THE POLICY DOCUMENT

We record all phone calls to us. We do this to:

• Provide a record of the instructions we have received from you;
• Allow us to monitor quality standards;
• Help us with staff training; and
• Meet legal and regulatory requirements.

BACK TO THE TOP OF THE POLICY DOCUMENT

Please read this policy carefully.
This policy sets out the cover that the insurer will provide in return for your premium during the period of insurance. It also sets out all the conditions, limits of liability and exclusions that apply to your cover. Your Egg Emergency Cover service is provided by Card Protection Plan Limited acting as agents for the insurer, ACE European Group Limited. The insurer pays CPP the commission in connection with your policy. All premiums paid in respect of your policy are deemed in law to have been paid to the insurer when received by Card Protection Plan Limited.

BACK TO THE TOP OF THE POLICY DOCUMENT

1. Your cover under this policy depends on you meeting the following conditions:
1. You must meet all of the insurer's terms and conditions. This applies to terms and conditions set out here and any others which we change or add to this policy at a later date.
2. You must provide us with full and accurate information in connection with your cover.
3. You must follow your card issuer's instructions and meet all their terms and conditions when using their cards. We will not pay any claim where the card issuer tells us that you have not done this. The decision of your card issuer will be final.
4. You must report lost or stolen cards to us by telephone within 24 hours of discovering the card loss.
5. You must do all that you reasonably can to avoid making a claim and keep your claims as low as possible.
6. You must provide all the documents we ask for, including original receipts (not copies) for any expenses claimed under this policy.
7. You must be over the age of 18 years old and live in the United Kingdom or Jersey.
8. You may not make a claim unless the premium and the fee have been paid.
2. We will not treat keys as irretrievably lost or stolen until five days after you have reported them missing. You can claim straightaway for costs you have had to pay, but if someone finds your keys within this five-day period, you may not be covered unless you can show that the keys can be traced to your house, flat, office, property or vehicle or you can show that you cannot get copies from any duplicates you have.

1. This policy does not cover your liability to a card issuer if:
• You use a card in a way which the issuer does not allow; or
• Someone other than you who lives at your home uses the card without your permission.
2. Every effort will be made to provide you with emergency funds in line with the terms and conditions set out in sections B4, B8 and B9 of this policy. However, there may be times when it is not possible to arrange the transfer of funds to some countries or remote geographical locations due to events or conditions that are out of our control, which we cannot be held liable for.
3. Locks that were already damaged before keys were lost or stolen are not covered.
4. This policy does not cover keys or vehicle immobiliser or alarm handsets that were not attached to a key fob at the time of their loss or theft.
5. We will not cover keys lost or stolen from anyone other than you.
6. Expenses not supported by valid original receipts may not be not covered.

1. This policy provides cover that begins on the start date and which continues for the period up to renewal date in return for the premium and the fee. We will renew the policy on the renewal date unless you contact us before that date and ask us not to.
2. The premium and fees may change from time to time but they will not change for this policy until the next renewal date.
3. You must pay all premiums and fees in advance.

1. We will cancel your policy if we do not receive your premium on the date it is due. However, we may reinstate your policy if you then pay it.
2. We will cancel your policy if you have at any time:
1. Given us false or incomplete information; or
2. Agreed to help anyone try to take money from the insurer dishonestly; or
3. Failed to meet the terms and conditions of this policy or to act openly and honestly towards us or the insurer.

BACK TO THE TOP OF THE POLICY DOCUMENT

B1: If you lose your card

1. We will pay any amounts (including interest) which you have to pay to a card issuer as a direct result of unauthorised use.
2. We will also cover any amount which you have to pay for a replacement card (but not for an emergency replacement).
3. When you report a card loss to us, we will contact the card issuer and ask them to cancel the card and provide a replacement.
4. We will regularly update the details set out in your schedule to make sure that card loss is reported to the correct issuer.

• We will not pay more than £50 of any claim where a card is kept by an Automated Telling Machine (ATM).
• We will not pay more than £5,000 of any claim relating to the period before you reported the card loss.
• We will not pay more than £100,000 of any claim relating to the period after you reported the card loss.

1. We will arrange for a locksmith to replace locks that need to be changed and provide cover against the costs you have to pay for this.
2. We will arrange for up to three new keys for each lock that has been replaced and provide cover against the costs you have to pay for this.
3. We will pay up to £50 per incident for locksmiths' costs that you have to pay if your keys are accidentally locked inside your house, office or vehicle or if these are broken in a lock and you need to get in.
4. We will refund the cost of hiring a car or reasonable taxi fares or using public transport for up to three days.
5. We will provide cover against the costs that you have to pay if you have to replace infrared handsets for vehicle immobilisers or alarms when these are lost or stolen at the same time as your keys.
6. We will also provide cover for costs you have to pay to have immobilisers or alarms reprogrammed or otherwise reset as a result of the loss or theft of your keys (a maximum of one claim per year).

• We will not pay more than £500 for all claims under this section in each year.
• You must tell us about your need for transport at the time you report the keys lost or stolen (and we must agree to it).
• You may not hire a car with an engine size of more than 1600cc.

• We will not pay anything unless:
1. You reported the loss to the local police immediately; and
2. You have written evidence from the police of making a report. (If this evidence is not available, we must be satisfied that you reported the matter).
• We will not pay more than one claim per policyholder under this section in each year.
• We will not pay the first £25 of each claim.
• You must provide original documentary evidence for the replacement items (for example, replacement receipts).

1. You lose your card and report the loss to us while you are abroad; and
2. You do not have any other way of paying the bill.

• You must ask us to pay the hotel bill when you ring us to report the card loss.
• You must agree to us contacting a registered credit reference agency to check your credit status before we pay the bill. If we are not satisfied with the result of that check, we may refuse to lend you any money.
• We will pay the hotel bill direct to the hotel. You must then repay the full amount of the hotel bill to us within 28 days.

• We will not pay more than £200 for all claims under this section in each year.
• We will not pay anything unless:
1. You have reported the loss to the local police immediately; and
2. You have written evidence from the police of making a report. (if this evidence is not available, we must be satisfied that you reported the matter).
• You must provide original documents to prove that you had the cash or banknotes immediately before the loss or theft.

1. Help you to arrange emergency replacements; and
2. Pay any charges you have to pay for the issue of replacements while you are abroad.

• We will not pay anything unless the loss or theft of the passport or driving licence happens and is reported to us at the same time as the card loss.
• We will not pay more than £200 for claims under this section in each year.
• You must provide original documentary evidence to support your claim (for example receipts from a Consulate).

1. Pay phone or postage costs for anyone who finds them to return them to us;
2. Let you know where the items are; and
3. Pay any costs you have to pay to get the items back to you.

• You must tell us beforehand about, and we must agree to, the method of getting the items back to you.
• We will not pay more than £200 for claims under this section in each year.
• You must provide original documentary evidence showing the costs you have incurred (eg receipts).

1. Some or part of your cash is lost or stolen at the same time as the card when you are away from your home; and
2. You have no other way of getting credit or funds.

• You must ask us for the emergency loan within 48 hours of the time when you ring us to report the card loss.
• You must agree to us contacting a registered credit reference agency to check your credit status before we provide the cash. If we are not satisfied with the result of that check, we may refuse to lend you any money.
• You must repay us in full within 28 days.

1. Your travel tickets have been lost or stolen from somewhere other than your home at the same time as the card; and
2. You apply for replacement travel tickets at the time you phone us to report the card loss.

• If we have to buy replacement tickets for you, we will treat this as an emergency cash loan in line with the terms and conditions set out under section B8 of this policy.

• We will not pay more than £100 for all claims under this section in each year.
• You must provide original documentary evidence to support your claim (for example, telephone bills or receipts).