BENEFIT TABLE

Section A – Card Purchase Cover

Limit per 365 day period

£ 2,500

Limit per incident – up to 60 days from date of purchase

£ 2,500

Single article minimum limit

£ 100

Contents

Introduction

This document is not a contract of insurance but summarises the benefits available to you provided the main cardholder has chosen to include this cover and you hold an eligible Lloyds Bank Plc MasterCard issued by Lloyds Bank Plc. The provision of those benefits is enabled by an insurance policy held by Lloyds Bank Plc and issued to Lloyds Bank Plc by Inter Partner Assistance S.A.

Lloyds Bank Plc is the only policyholder under the insurance policy and only Lloyds Bank Plc have direct rights under the policy against the insurer. This agreement does not give you direct rights under the policy of insurance. Strict compliance with the terms and conditions of this agreement is required if you are to receive its benefit.

Eligibility

The benefits summarised in this document are dependent upon you being a valid Lloyds Bank Plc MasterCard Cardholder issued by Lloyds Bank Plc at the time of any incident giving rise to a claim and the main cardholder has chosen to include this cover. Lloyds Bank Plc will give you notice if there are any material changes to these terms and conditions or if the policy supporting the benefits available under this agreement is cancelled or expires without renewal on equivalent terms.

This is your benefit guide and agreement with us. It contains details of benefits, conditions and exclusions relating to a Lloyds Bank Plc MasterCard and is the basis on which all claims you make will be settled.

Insurer

Benefits under this agreement are underwritten by Inter Partner Assistance (IPA), whose registered branch office in Ireland is 10/11 Mary Street, Dublin 1, Ireland (company number 906006) and is regulated by the Central Bank of Ireland. IPA is a branch of Inter Partner Assistance SA, a Belgian firm of Avenue Louise, 166 bte1, 1050, Brussels, which is authorised by the National Bank of Belgium. Some of the services under this policy will be provided by IPA's’ agent, AXA Travel Insurance (company number 426087), of the same Ireland address. All companies are members of the AXA Assistance Group.

Policyholder

Lloyds Bank Plc, 25 Gresham St, London. EC2V 7HN.


Important Information

  1. In order to be eligible to receive benefits under this Benefit Schedule you will only be covered for the benefits if 100% of the total cost of the eligible item(s) has been charged to the covered card.
  2. These benefits will be governed by the law of England and Wales unless we have specifically agreed in writing otherwise.
  3. Your eligible item(s) are covered worldwide for a period of 60 days from the date of purchase.


Definitions

Wherever the following words or phrases appear in bold in this Benefit Schedule they will have the meaning shown below (unless otherwise noted).

You / your / cardholder
– the main cardholder and any other holder(s) of a covered card.

You will only be covered if 100% of the total costs of the eligible items is charged to the covered card.

We / us / our
– Inter Partner Assistance, 10/11 Mary Street, Dublin 1, Ireland and/ or Inter Partner Assistance SA (IPA), Avenue Louise, 166 bte1, 1050, Brussels, Belgium and/ or its agent, AXA Travel Insurance. All companies are members of the AXA Assistance Group.

Benefit Table
– the table listing the benefit amounts on page 1.

Covered Card
– an eligible Lloyds Bank Plc MasterCard issued by Lloyds Bank Plc, the card being valid and the account balance being paid as per the credit card agreement at the time of the incident.

Eligible item
– an item, purchased by the main cardholder and any other holder of a covered card solely for personal use (including gifts), which has been charged fully (100%) to the covered card and is not listed under what is not covered in this section.

Main Cardholder
– the individual listed as the main account holder in the account statement.

Mysterious Disappearance
– the vanishing of an eligible item in an unexplained manner where there is an absence of evidence of a wrongful act by a person or persons.

Pair or set
– a number of items associated as being similar, complimentary forming part of a set or which are normally used together.

Period of cover
eligible items purchased on or after 12th December 2016 will be covered. Under Section A - Card Purchase Cover, cover will end 60 days after the purchase date of the eligible item.

Purchase price
– the lower of the amounts shown on either the covered card billing statement or the store receipt for the eligible item.

Terrorism
– an act, including but not limited to the use of force or violence and/ or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organisation(s) or governments, committed for political, religious, ideological or similar purposes including the intention to influence any government and/ or to put the public, or any section of the public, in fear.

Unattended
– when you or the recipient of the eligible item if given as a gift are not in full view of and not in a position to prevent unauthorised interference with the eligible item.


Section A - Card Purchase Cover

What is covered

In the event of loss through theft and/or accidental damage to an eligible item within 60 days of purchase, we will, at our option, replace or repair the eligible item or credit the Cardholder account an amount not exceeding the purchase price of the eligible item, or the single item limit shown in the Benefit Table whichever is lower. We will not pay more than the amount shown in the Benefit Table for any one event, or more than the maximum amount shown in the Benefit Table in any one 365 day period.

Special conditions

  1. Card Purchase Cover provides cover only for claims or portions of claims that are not covered by other applicable guarantees, warranties, insurance or indemnity policies, subject to the stated limits of liability.
  2. Claims for an eligible item belonging to a pair or set, will be paid up to the full purchase price of the pair or set, provided the items are not useable individually and cannot be replaced individually.
  3. If you purchase the eligible item as a gift for someone else, we will if you wish, pay a valid claim to the recipient, subject to you making the claim.
  4. You must exercise due diligence and do all things reasonably practicable to avoid any direct physical theft or damage to an eligible item.
  5. You will need to transfer to us, on our request and at your expense, any damaged eligible item or part of a pair or set, and transfer the legal rights to recover from the party responsible up to the amount we have paid.
  6. You must document that the claim has not been sent to any other insurance company.
  7. You must provide us with the sales receipt from store, card receipt, account statement showing the transaction and the police report.

What is not covered

  1. Events not connected to theft or damage caused by accident.
  2. Mysterious disappearance of eligible items.
  3. Events caused by fraud, mistreatment, carelessness or not following the manufacturers manual.
  4. Eligible items which were used before purchase, second-hand, altered, or bought fraudulently.
  5. Damage to eligible items caused by product defects or error during production.
  6. Theft not reported to the police within 48 hours of discovery and a written report obtained.
  7. Theft or damage to eligible items left unattended in a place accessible to the public except when required according to safety regulations.
  8. Theft of or damage to eligible items in a motor vehicle or as a result of the theft of the motor vehicle.
  9. Theft from any property, land or premises unless entry or exit to the property or premises was gained by the use of force, resulting in visible physical damage to the property or premises.
  10. Mobile telephones.
  11. Jewellery, watches, precious metals, gemstones and any item made from precious metals and gemstones.
  12. Motor vehicles, motorcycles, bicycles, boats, caravans, trailers, hovercraft, aircraft and their accessories.
  13. Service, cash, travel checks, tickets, documents, currency, silver, gold, art, antiques, rare coins, stamps and collector’s items.
  14. Animals, living plants, consumables, perishable goods or permanent installations.
  15. Electronic items and equipment whilst at your place of employment including but not limited to, personal stereos MP3/4 players, computers or computer-related equipment.
  16. Items used for business purposes.
  17. Damage due to normal wear and tear, normal use or normal activity during sports and games (example golf or tennis balls).
  18. Eligible items not received by the Cardholder or other party designated by the Cardholder.
  19. Mail order or courier delivered item(s) until the item(s) are received, checked for damage and accepted at the nominated delivery address.
  20. Expenses due to repairs not performed by workshops approved by us.
  21. Damage due to water, damp or earthquake.
  22. Loss caused by declared or undeclared war, confiscation by order of any government or public authority, or arising from illegal acts.
  23. Theft or accidental damage to any eligible item where there is any other insurance covering the same theft or accidental damage, or where the terms and conditions of such other insurance have been broken or for the reimbursement of any evident excess.


General Conditions

You must comply with the following conditions in addition to the items listed under special conditions in Section A to have the full protection of the Benefit Schedule. If you do not comply we may at our option refuse to deal with your claim, or reduce the amount of any claim payment.

  1. You must take all reasonable care and precautions to safeguard your property against loss, theft or damage. You must act as if you are not covered and take steps to minimise your loss as much as possible and take reasonable steps to prevent a further incident and to recover missing property.
  2. We ask that you notify us within 28 days of you becoming aware of any incident or loss leading to a claim and you return your completed claim form and any additional information to us as soon as possible.
  3. You must report all incidents to the local police in the country where it occurs and obtain a crime or lost property report, which includes an incident number.
  4. You must not abandon any property for us to deal with or dispose of any damaged items as we may need to see them.
  5. You or your legal representatives must supply at your own expense all information, evidence, original invoices, receipts, reports, assistance that may be needed including details of other insurance policies that may cover the loss. We may refuse to reimburse you for any expenses for which you cannot provide receipts or bills. Please keep copies of all documents sent to us.
  6. You must not admit, deny, settle, reject, negotiate or make any arrangement for any claim without our permission.
  7. We have the right, if we choose, in your name but at our expense to:
      a) take over the defence or settlement of any claim;
      b) take legal action in your name to get compensation from anyone else for our own benefit or to get back from anyone else any payments that have already been made;
      c) take any action to get back any lost property or property believed to be lost.
  8. If you or anyone acting for you in any respect, attempts to gain funds, information or other assets by deception or any other illegal means, including deliberate misrepresentation or omission of facts in order to misrepresent the true situation, this Benefit Schedule shall become void. We may inform the police and you must repay to us any amount already received under the Benefit Schedule.
  9. If we pay any expense for which you are not covered, you must pay this back within one month of our asking.
  10. We may at any time pay to you our full liability under the Benefit Schedule after which no further payments will be made in any respect.
  11. If at the time of any incident which results in a claim under this Benefit Schedule, there is another insurance covering the same loss, damage, expense or liability we will not pay more than our proportional share.
  12. If you possess multiple eligible Lloyds Bank Plc cards you may only claim once and we will only pay up to the highest limit of the cards, the benefit values will not be cumulative.


General Exclusions

These exclusions apply throughout your Benefit Schedule in addition to the items listed under what is not covered in Section A. We will not pay for claims arising directly or indirectly from:

  1. War, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, terrorism, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power.
  2. Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste, from combustion of nuclear fuel, the radioactive, toxic, explosive or other hazardous properties of any nuclear assembly or nuclear component of such assembly.
  3. Loss, destruction or damage directly occasioned by pressure waves caused by aircraft and other aerial devices travelling at sonic or supersonic speeds.
  4. Any claim resulting from you attempting or committing suicide; deliberately injuring yourself; using any drug not prescribed by a registered medical practitioner, being addicted to any drugs, or abusing solvents, drugs, or alcohol, or being under the influence of drugs, solvents, or alcohol.
  5. Under all sections, any claim not arising from the circumstances listed in what is covered.
  6. Self exposure to needless peril (except in an attempt to save human life).
  7. Any claim resulting from your involvement in a fight except in self-defence.
  8. Your own unlawful action or any criminal proceedings against you.
  9. Any claim where you are entitled to indemnity under any other insurance, including any amounts recoverable from any other source, except in respect of any excess beyond the amount which would have been covered under such other Insurance, or any amount recoverable from any other source, had these benefits herein not been effected.
  10. Any other loss, damage or additional expense following on from the event for which you are claiming. Examples include bodily injury, property damage, loss due to not being able to use the item, punitive damages, exemplary damages and legal fees.
  11. Operational duties as a member of the Armed Forces.
  12. Any costs you would have been required or been expected to pay, if the event resulting in the claim had not happened.
  13. Any circumstances you are aware of that could reasonably be expected to give rise to a claim on this Benefit Schedule.


Claims Procedure

  1. Please read the appropriate section in the benefits to see exactly what is, and is not covered, noting particularly any conditions, limitations and exclusions.
  2. Please note the main cardholder needs to manage the claims process on behalf of any additional cardholder(s) linked to that account.
  3. Making a claim
    Telephone our Claims Helpline on 0345 606 2172 (Monday – Friday 9:00 – 17:00) to obtain a claim form. You will need to give:
    - your name,
    - your covered card number,
    - brief details of your claim.
    We ask that you notify us within 28 days of you becoming aware of an incident or loss leading to a claim and you return your completed claim form and any additional information to us as soon as possible.
  4. Additional Information
    You must supply all of your original invoices, receipts and reports etc. You should check the section under which you are claiming for any specific conditions and details of any supporting evidence that you must give us.
    It is always advisable to keep copies of all the documents that you send to us.
  5. Claims Handling Agents
    To help us agree a quick and fair settlement of a claim, it may sometimes be necessary for us to appoint a claims handling agent.


Complaints Procedure

We make every effort to provide you with the highest standard of service. If on any occasion our service falls below the standard you would expect us to meet, the procedure below explains what you should do.

You can write to the Quality Manager, who will arrange an investigation on behalf of the General Manager, at: AXA Travel Insurance, Head of Customer Care, The Quadrangle, 106-118 Station Road, Redhill, Surrey, RH1 1PR, United Kingdom.
Or you may use e-mail:
claimcomplaints@axa-travel-insurance.co.uk
Or telephone +44 (0)1737 815 227 (Monday – Friday 09:00-17:00)

If it is impossible to reach an agreement, you may have the right to make an appeal to the Financial Ombudsman Service by writing to: Financial Ombudsman Service, Exchange Tower, Harbour Exchange Square, London, E14 9SR, United Kingdom; Or you can phone 0800 023 4567, free for people phoning from a ‘fixed line’ (for example, a landline at home), or 0300 123 9123, free for mobile phone users who pay a monthly charge for calls to numbers starting 01 or 02. Website: www.financial-ombudsman.org.uk

These procedures do not affect your right to take legal action.


Use of your personal data

In using these benefits you also agree we may:

  • a) disclose and use information about you and your benefits to companies within the AXA Assistance Group of companies worldwide, our partners, service providers and agents in order to administer and service your benefits, process and collect relevant payments and for fraud prevention;
  • b) undertake all of the above within and outside the European Union (EU). This includes processing your information in countries in which data protection laws are not as comprehensive as in the EU. However, we have taken appropriate steps to ensure the same (or equivalent) level of protection for your information in other countries as there is in the EU; and
  • c) monitor and/ or record your telephone calls in relation to cover to ensure consistent servicing levels and account operation.

We use advanced technology and well defined employee practices to help ensure that your information is processed promptly, accurately and completely and in accordance with applicable data protection law.

If you want to know what information is held about you by the AXA Assistance Group, please write to:
AXA Travel Insurance, Data Protection Officer, The Quadrangle, 106-118 Station Road, Redhill, RH1 1PR, United Kingdom.

There may be a charge for this service, as permitted by law. Any information which is found to be incorrect will be corrected promptly.


Cancellation of Benefits

These benefits are included with your covered card, the benefits cannot be cancelled separately and the end of the period of cover will be notified to the main cardholder by Lloyds Bank Plc. If you cancel the covered card the cover will end and all benefits will stop from the cancellation date. Please see your Credit Card agreement for full details of how to cancel the covered card.

What is covered under Card Purchase Cover?

Card Purchase Cover gives you protection against theft and/ or accidental damage to an eligible item within 60 days of purchase. You must notify AXA Travel Insurance within 28 days of becoming aware of an incident or loss leading to a claim.

How long do I have Card Purchase Cover on my account for?

Card Purchase Cover will be available for you to claim on eligible items purchased on your credit card until 31st December 2017.

Can I extend my cover beyond 31st December 2017?

No. Lloyds Bank Plc are providing this benefit to you free of charge, up until 31st December 2017.

How do I opt in for Card Purchase Cover?

To opt in for Card Purchase Cover, please refer to the original email sent to you by Lloyds Bank Plc. Click on the ‘Opt In Now’ link before 11th January 2017 and it’s as easy as that. You will be directed to a confirmation page, and will be sent a confirmation email.

How do I make a claim on Card Purchase Cover?

Please make sure that you check what is, and is not covered, paying particular attention to any conditions, limitations and exclusions.

To make a claim, please contact Lloyds Bank on 0345 606 2172. Once Lloyds Bank have verified your details your call will be transferred to AXA Travel Insurance to obtain a claim form. You will need to give:
- your name,
- your covered card number,
- brief details of your claim.

You should notify AXA Travel Insurance within 28 days of you becoming aware of an incident or loss leading to a claim and you return your completed claim form and any additional information to us as soon as possible.

You must supply all of your original invoices, receipts and reports etc. You should check the section under which you are claiming for any specific conditions and details of any supporting evidence that you must give AXA Travel Insurance.

It is always advisable to keep copies of all the documents that you send to AXA Travel Insurance.

Who can claim on the Card Purchase Cover?

Eligible purchases made by the main cardholder and additional cardholders are covered under the policy, but only the main cardholder can submit the claim and must manage all claims processes.

Are purchases covered on all my Lloyds cards?

The credit card account that was referenced in the email offer is the only account covered by the Card Purchase Cover once you have opted in. The email you received communicating the benefits will display the last 4 digits of the credit card account that is eligible.

What isn’t covered by the policy?

Please read the full Terms and Conditions for details of what is not covered, the General Conditions and General Exclusions and other Important Information. Some key exclusions to be aware of are:

  • Eligible items which were used before purchase, second-hand or altered.
  • Theft not reported to the police within 48 hours of discovery and a written report obtained.
  • Theft of or damage to eligible items in a motor vehicle or as a result of the theft of the motor vehicle.
  • Mobile telephones.
  • Jewellery, watches, precious metals, gemstones and any item made from precious metals and gemstones.
  • Motor vehicles, motorcycles, bicycles, boats, caravans, trailers, hovercraft, aircraft and their accessories.
  • Service, cash, travel checks, tickets, documents, currency, silver, gold, art, antiques, rare coins, stamps and collector's items.
  • Animals, living plants, consumables, perishable goods or permanent installations.
  • Electronic items and equipment, whilst at your place of employment, including but not limited to, personal stereos, MP3/4 players, computers or computer-related equipment.
  • Items used for business purposes.
  • Theft or damage to Eligible items left unattended in a place accessible to the public except when required according to safety regulations.
  • Damage due to water, damp or earthquake.

Please pay particular attention to What Is Not Covered and General Exclusions.
Please also ensure you read the Claims Procedure and Complaints Procedure.