Page 1 of 11. Personal Loan Payment Protection Insurance Policy Document

Transcription

1 Page 1 of 11 Persoal Loa Paymet Protectio Isurace Policy Documet

2 Isurace Page 2 of 11 Cotets Itroductio 03 Chagig your mid your cacellatio rights 03 Eligibility, importat otes ad material facts 03 Chages durig your loa agreemet that may affect your isurace cover 03 Employmet circumstaces 04 Your beefits at a glace 04 Life cover 04 Accidet or sickess cover 05 Uemploymet cover 06 Carer cover 07 Geeral exclusio applyig to all covers 08 Geeral exclusio applyig to accidet or sickess, uemploymet ad carer covers 08 Your claim 08 Chage of premium ad cover 09 Whe does your policy ed 09 Promise of service complaits procedure 10 Geeral iformatio 10 Defiitios 11

3 Page 3 of 11 Itroductio Eligibility, importat otes ad material facts This policy provides you with everythig you eed to kow about your Persoal Loa Paymet Protectio Isurace. It cotais the full details of your policy icludig the exclusios. It is importat that you read it carefully alog with your loa agreemet ad keep them i a safe place. It is your resposibility to decide whether this isurace policy meets your eeds. I makig this decisio, it is importat to ote that the maximum claim duratio for accidet or sickess, uemploymet ad carer claims is up to 12 mothly beefit paymets. This policy uses words ad phrases that have specific meaigs; you will fid these explaied i the Defiitios sectio. Defied words are show i bold wherever they appear. Make sure that you: are eligible for the isurace cover; kow what this isurace does ad does ot cover; ad uderstad how chages to your work affect your eligibility ad the terms ad coditios of makig a claim. If you have ay questios about your eligibility for this isurace or chages to your circumstaces you should call the Satader Customer Helplie o: betwee 9am ad 5pm Moday to Friday To obtai a claim form call the Satader Customer Helplie o: betwee 9am ad 5pm Moday to Friday If you are registerig a claim you should read the Your claim sectio before callig to make sure you have the relevat iformatio available. Telephoe calls may be recorded ad moitored. Chagig your mid your cacellatio rights This isurace is optioal ad you have a statutory right to cacel your policy durig a period of 30 days (the coolig off period) from the day of purchase of the policy or the day o which you receive your policy, whichever is the later. If you wish to do so, you will be etitled to a full refud of the premium paid. If you have made a claim ad the cacel withi the period above, we may seek to recover ay moies paid to you i settlemet of the claim. To exercise your right to cacel, please write to: Satader Accouts Admiistratio, Satader, PO Box 1111, Bradford BD1 9NQ Telephoe umber: betwee 9am ad 5pm Moday to Friday If you do ot exercise your right to cacel your policy i the statutory coolig off period, it will cotiue i force ad you will be required to pay the premium. For your cacellatio rights after the statutory coolig off period, please refer to the Whe does your policy ed sectio o page 9 of this policy. Eligibility You are eligible for this isurace if at the start date you: are aged 18 years or over ad uder 65 whe your loa agreemet is due to be repaid; work at least 16 hours per week ad have doe so for at least the last six moths. If you have ot bee workig cotiuously for this period, you may still apply for cover; however, you will ot qualify for ay beefit util you have bee workig cotiuously for at least six moths; live i the UK; ad are the first amed perso o your loa agreemet. For the purposes of this isurace work meas ay paid work of at least 16 hours per week. This icludes self-employed work ad statutory materity ad paretal leave but it does ot iclude temporary work. If you are self-employed or you work o fixed term cotracts you are eligible for this isurace but you should read the policy carefully to make sure it is suitable for your eeds you should pay particular attetio to the Employmet circumstaces, Uemploymet cover ad Thigs to keep i mid whe claimig sectios. Importat otes: 1 If at the start date you are ot i work as you are certified ufit to work by a doctor, you may still apply for cover ad start payig your mothly premiums. However you will eed to have retured to work, free of all symptoms from your origial or related coditio for at least 90 cotiuous days before you ca make a accidet or sickess claim for the same or related coditio. 2 This policy will ot pay for ay uemploymet you were aware of at the start date. You will ot be covered for ay uemploymet which we reasoably believe you kew was likely to happe, whether you had official otice or ot, whe you took out this isurace. 3 This policy will ot pay for ay uemploymet that you were advised of or which happes durig the first 30 days followig the start date, whether you were aware of it or ot at the start date. 4 This policy will ot pay a carer claim if at the start date we reasoably believe you were aware of the eed, or likely eed at ay time i the future, for a member of your immediate family to require a carer or you are otified of receipt of or apply for Carer s Allowace withi the first 30 days of the start date. If you have ay questios you should call the Satader Customer Helplie o: Material facts All material facts must be disclosed. A material fact is oe that is likely to ifluece us i the acceptace ad assessmet of a applicatio, e.g. livig outside the UK or i work for less tha 16 hours per week. It is your resposibility to provide complete ad accurate iformatio to Satader ad us whe you take out your isurace policy ad throughout the life of your policy. Please ote that if you fail to disclose ay material iformatio to us, this could ivalidate your isurace cover ad could mea that part or all of a claim may ot be paid. We recommed you keep a record (icludig copies of letters) of all iformatio provided to Satader ad us for your future referece. Chages durig your loa agreemet that may affect your isurace cover It is your resposibility to esure that this policy cotiues to meet your requiremets should your circumstaces chage durig your loa agreemet, as this could affect your eligibility for cover or etitlemet to beefits uder this policy. If this happes or is likely to happe you should discuss this with Satader. This would iclude for example: You retirig from work ad ot itedig to actively seek further work. Chagig your employmet, e.g. your work becomes temporary work. You volutarily reduce your hours of work to less tha 16 hours per week. You reachig 65 years of age. You leave the UK to live abroad. You are off work at the start date with a accidet or sickess ad this prevets you from returig to work. If you decide the policy is o loger suitable ad you wish to cacel it please see the Whe does your policy ed sectio o page 9 for more details.

4 Isurace Page 4 of 11 Employmet circumstaces Your employmet circumstaces will affect your eligibility for cover ad etitlemet to make a claim. If your employmet chages or is likely to chage or you have ay questios you should cotact Satader. Fixed term cotracts If you work o a fixed term cotract ad your cotract is ot reewed after the ed date you will oly be etitled to claim for uemploymet cover if you meet oe of the followig criteria: you have worked cotiuously for the same employer for at least 24 moths; or your cotract is for at least 12 moths ad has bee reewed at least oce with the same employer; or you were origially employed o a permaet basis but were trasferred to a fixed term cotract by the same employer without a break i employmet. Self-employed We cosider you to be self-employed if you meet oe of the followig criteria: you ca otherwise esure that the compay you work for coducts its affairs accordig to your wishes. If you are self-employed you will eed to provide the followig to be etitled to claim for uemploymet beefit. Satisfactory proof that you: have ivolutarily ceased tradig because you could ot fid eough work to meet all your reasoable busiess ad livig expeses ad have declared this to HM Reveue & Customs; ad are registered as uemployed with the Departmet for Work ad Pesios. Retirig before the age of 65 If you retire before the age of 65 ad do ot ited to actively seek further work, you will o loger be eligible for uemploymet or accidet or sickess cover. You will still be eligible for life cover ad may eed to re-cosider whether this policy remais suitable for your eeds. you are carryig o a busiess i the UK either aloe or as a parter i a partership; or you ca cotrol the affairs of a compay you work for because either you or a relative or a member of your household idividually or joitly hold the majority of the votig rights i that compay; or Your beefits at a glace This is oly a summary of your cover; full details are give i the relevat sectios of this policy. Cover Waitig period Maximum claim duratio Maximum claim amout Life N/A N/A The lower of your outstadig loa balace or 30,000 Accidet or sickess 30 days 12 mothly beefit paymets your mothly loa repaymet Uemploymet 1 30 days 12 mothly beefit paymets your mothly loa repaymet Carer 2 30 days 12 mothly beefit paymets your mothly loa repaymet NB. You caot make a claim: 1 Uder the Uemploymet cover sectio durig the first 30 days followig the start date of the policy. 2 Uder the Carer cover sectio durig the first 30 days followig the start date of the policy, uless the coditio givig rise to the claim was uforesee. Life cover What is covered If you die, we will pay the outstadig loa balace for all your loa agreemets isured by us at the date of your death up to a maximum total of 30,000.

5 Page 5 of 11 Accidet or sickess cover What is covered If a accidet or sickess prevets you workig for more tha 30 days i a row, we will pay: 1/30th of the mothly beefit for each day from the 31st full day you are uable to work up to your ext loa agreemet repaymet date; the the full mothly beefit, at mothly itervals, for each followig moth you are uable to work; the at the ed of your accidet or sickess, we will pay 1/30th of the mothly beefit for each day of your accidet or sickess from the day after you were last paid beefit to the last day of your accidet or sickess, up to a maximum of 12 moths i total. If you retur to work after claimig for accidet or sickess ad the are uable to work withi three moths because of the same accidet or sickess you do ot have to wait before beefits ca be paid. We will combie these two periods ito oe claim whe calculatig your beefit period subject to a maximum beefit of 12 mothly beefit paymets. Oce we have paid the maximum umber of 12 mothly beefit paymets, you eed to retur to work, free of all symptoms ad ot receivig medical treatmet for your origial or related coditio, for at least 6 cosecutive moths before you ca make aother accidet or sickess claim for the same or related coditio. However if your ew claim is for a urelated coditio, you will oly eed to be back at work for 30 days to be eligible to claim agai. Example of how a claim is calculated Day 1 Day 31 Next repaymet Waitig period Date you become uable to work due to accidet or sickess. If you are still off work o day 31 we will pay 1/30th of your mothly beefit for each day from the 31st full day you are uable to work up to your ext loa agreemet repaymet date. We will cotiue to make mothly beefit paymets for every further moth you are off work. Your fial paymet may be less tha a full mothly beefit as it will be based o the umber of days betwee the last mothly beefit paymet date ad your retur to work, up to a maximum of 12 mothly beefits. What is ot covered (i additio to geeral exclusios) We will ot pay ay accidet or sickess claims due to or arisig from: Cosmetic surgery or other treatmet, which is ot medically ecessary. Your detetio i priso uder the directio of a court of law. This will ot apply if you are later acquitted. Your ow wilful actios, drug or alcohol abuse (this does ot iclude ay drugs prescribed by your doctor, except if they are to treat drug addictio). Note If you have retired, are ot actively seekig work ad are ot registered as uemployed you will ot be able to claim for accidet or sickess.

6 Isurace Page 6 of 11 Uemploymet cover What is covered If you are uemployed for more tha 30 days i a row, we will pay: 1/30th of the mothly beefit for each day from the 31st full day of your uemploymet up to your ext loa agreemet repaymet date; the the full mothly beefit, at mothly itervals, for each followig moth of your uemploymet; the at the ed of your uemploymet, we will pay 1/30th of the mothly beefit for each day of your uemploymet from the day after you were last paid beefit to the last day of your uemploymet, up to a maximum of 12 moths i total. If, after claimig for uemploymet, you are made uemployed agai withi three moths of returig to work, you will ot have to wait before beefits ca be paid. We will combie these two periods of uemploymet ito oe claim whe calculatig your beefit period subject to a maximum beefit of 12 mothly beefit paymets. Oce we have paid the maximum umber of 12 mothly beefit paymets, you eed to retur to work for at least six cosecutive moths before you ca make aother uemploymet claim. Example of how a claim is calculated Day 1 Day 31 Next repaymet Waitig period Date of your uemploymet. If you are still off work o day 31 we will pay 1/30th of your mothly beefit for each day from the 31st full day you are uemployed up to your ext loa agreemet repaymet date. We will cotiue to make mothly beefit paymets for every further moth you are off work. Your fial paymet may be less tha a full mothly beefit as it will be based o the umber of days betwee the last mothly beefit paymet date ad your retur to work, up to a maximum of 12 mothly beefits. Temporary work If you do ay temporary work: Durig a claim, your mothly beefit will be suspeded durig the period of temporary work ad will be resumed whe the temporary work fiishes. Durig the waitig period, the waitig period will be suspeded util the ed of the temporary work. Self-employed If you are self-employed ad you have ivolutarily ceased tradig because you could ot fid eough work to meet all your reasoable busiess ad livig expeses ad have declared this to HM Reveue & Customs, you will be etitled to claim for uemploymet beefit. If, for the purpose of this isurace you are ot self-employed, all other terms, coditios ad exclusios of this policy will apply. I either case you will eed to have a Jobseeker s Agreemet for the whole time you are claimig. If you are ieligible for a Jobseeker s Agreemet, you must be able to provide ogoig alterative evidece that is acceptable to us that you are uemployed ad actively seekig work. This could iclude copies of job applicatios, resposes ad registratio with job agecies. Paymet i lieu of otice If you have bee paid or are etitled to be paid i lieu of otice (istead of workig out a otice period), ay claim for uemploymet, icludig the waitig period, will ot start util the ed of your otice period. What is ot covered (i additio to geeral exclusios) We will ot pay for ay uemploymet: We reasoably believe you kew was likely to happe, whether you had official otice or ot, whe you took out the policy. You are otified of or which happes withi the first 30 days of the start date. If you have resiged. If you retire ad do ot ited to actively seek further work. Due to your miscoduct. After temporary work (uless you have take temporary work durig a claim uder this policy). Which is ormal, regular or seasoal i your work. After the ed of a fixed term cotract which is ot reewed, uless: you have worked cotiuously for the same employer for at least 24 moths; or your cotract is for at least 12 moths ad has bee reewed at least oce with the same employer; or you were origially employed o a permaet basis but were trasferred to a fixed term cotract by the same employer without a break i employmet. As a result of you beig detaied i priso uder the directio of a court of law. This will ot apply if you are later acquitted. Due to your ow wilful actios, drug or alcohol abuse (this does ot iclude ay drugs prescribed by your doctor, except if they are to treat drug addictio).

7 Page 7 of 11 Carer cover What is covered If you volutarily leave your work to become a carer for more tha 30 days i a row, we will pay: 1/30th of your mothly beefit for each day from the 31st full day you are a carer up to your ext loa agreemet repaymet date; the the full mothly beefit, at mothly itervals, for each followig moth you are a carer; the whe you cease to be a carer, we will pay 1/30th of the mothly beefit for each day you cotiue to be a carer from the day after you were last paid beefit to the last day you were a carer, up to a maximum of 12 moths i total. If you claim for a secod period of beig a carer withi three moths of returig to work, you will ot have to wait before beefits ca be paid. We will combie these two periods ito oe claim whe calculatig your beefit period subject to a maximum beefit of 12 mothly beefit paymets. Oce we have paid the maximum umber of 12 mothly beefit paymets, you eed to retur to work for at least six cosecutive moths before you ca make aother carer claim. Example of how a claim is calculated Day 1 Day 31 Next repaymet Waitig period Date you become uable to work due to becomig a carer. If you are still a carer o day 31 we will pay 1/30th of your mothly beefit for each further day you are a carer up to your ext loa agreemet repaymet date. We will cotiue to make mothly beefit paymets for every further moth you are a carer. Your fial paymet may be less tha a full mothly beefit as it will be based o the umber of days betwee the last mothly beefit paymet date ad your retur to work, up to a maximum of 12 mothly beefits. What is ot covered (i additio to geeral exclusios) Ay claim for carer cover: If at the start date we reasoably believe you were aware of the eed, or likely eed at ay time i the future, for a member of your immediate family to require a carer. If withi the first 30 days of your start date you apply for Carer s Allowace, or are otified of receipt of Carer s Allowace, we will ot cosider a carer claim uless the coditio of the member of your immediate family requirig a carer was due to or caused by a uforesee evet happeig after the start date. Where the perso you are carig for is ot a member of your immediate family.

8 Isurace Page 8 of 11 Geeral exclusio applyig to all covers Your claim We will ot pay ay claim due to or arisig from: Ay dishoest or exaggerated behaviour by you or ayoe actig for you. If this happes, you will have to retur ay beefits already paid ad you will forfeit all future rights uder this policy. Geeral exclusio applyig to accidet or sickess, uemploymet ad carer covers I additio to the geeral exclusio above, for accidet or sickess, uemploymet ad carer covers, we will ot pay ay claim due to or arisig from: War, ivasio, act of foreig eemy, hostilities or a warlike operatio or operatios (whether war be declared or ot), civil war, rebellio, revolutio, isurrectio, civil commotio assumig the proportios of or amoutig to a uprisig, military or usurped power ad/or ay actio take i cotrollig, prevetig, suppressig or i ay way relatig to ay of these causes or evets. Makig a claim It is importat that you register your claim as soo as possible. For life claims Your depedets or represetatives should register the claim as soo as possible usig the telephoe umber show i step 2. For accidet or sickess, uemploymet or carer claims Step 1 Please have the followig iformatio ready whe you call: your loa agreemet umber; ad your postcode. Step 2 Call the Satader Customer Helplie to obtai a claim form o: betwee 9am ad 5pm Moday to Friday Alteratively you ca write to: Satader Accouts Admiistratio, Satader, PO Box 1111, Bradford BD1 9NQ Step 3 A claim form will be set to you. This should be completed as soo as possible ad retured to us with the relevat iformatio: For accidet or sickess claims you will eed to get a doctor ad your employer to fill i the relevat sectio of the form. For uemploymet claims you will eed to arrage for a Departmet for Work ad Pesios official ad your previous employer to fill i the relevat sectios of the form. For carer claims you will eed to arrage for your previous employer to fill i the relevat sectio of the form ad provide evidece that you are either i receipt of or awaitig Carer s Allowace. Our claims office address is: Satader Claims Team, Aviva, PO Box 3486, Norwich NR1 3FY Telephoe umber: betwee 9am ad 5pm Moday to Friday Thigs to keep i mid whe claimig You must supply ad pay for all reasoable iformatio or evidece we ask for to support your iitial claim ad from time to time throughout your claim. If we ask for proof, you eed to be able ad willig to supply it. If we do ot receive all the iformatio we eed (for example declaratios ad medical questioaires) or if these documets are ot acceptable to us we may delay or susped your claim paymets. We may cotact your past employers or other isurers for iformatio about you. For uemploymet claims you eed to have a Jobseeker s Agreemet for the whole time you are claimig. If you are ieligible for a Jobseeker s Agreemet, you must be able to provide ogoig alterative evidece acceptable to us that you are uemployed ad actively seekig work. This could iclude copies of job applicatios, resposes ad registratio with job agecies. Whe makig a accidet or sickess claim you must agree to ay medical examiatio which we arrage ad pay for. If you are a carer makig a claim, we eed satisfactory proof that you are required to look after a member of your immediate family, that you have completed a Carer s Allowace claim pack ad retured it to the Beefits Agecy ad are either i receipt of or awaitig Carer s Allowace. We are cocered that you should ot pay for the dishoesty of others. We make radom checks, so do ot be alarmed if oe of our claims advisers calls. We also exchage iformatio with other isurers to prevet fraud. Back to work If you are uable to work followig a accidet or sickess or uemploymet, you will be cotacted by our specialist Back to Work service. This service is provided for the duratio of your claim, is free, cofidetial ad desiged to provide advice ad assistace to help you make a speedy retur to work.

9 Page 9 of 11 Your claim (cotiued) Whe does your policy ed Accidet or sickess If you have a soft tissue ijury (e.g. spraied muscle or whiplash), our rehabilitatio specialists will cotact you to help you with a speedy recovery ad retur to work. This service provides: Access to a specialist website. Cliically ru helplie ad self-help booklet with tips for a speedy recovery. A persoal care adviser who ca, where appropriate, arrage for suitable treatmet to speed your retur to work. This service is desiged to operate alogside the NHS ad other recogised medical professioals. Uemploymet Our Back to Work service provides: Self-help guide. Access to a specialist website. Telephoe advice providig access to specialist employmet cousellors. Cofidetial advice ad ogoig support throughout your search: seekig work, career chages, state beefits; maagig your time effectively while searchig for employmet; tips o preparig your CV; ad help with preparig for iterviews. Payig claims We will make claim paymets to Satader o your behalf. Whe we have made these paymets, we will ot make ay further paymets for the same claim. The cover provided by this policy ad all beefit paymets will ed, if ay of the followig happes: The loa repaymets for your loa agreemet ed. The origial date agreed by Satader UK plc for your loa agreemet to be repaid is reached. Your loa agreemet is trasferred to a third party. You reach 65 years of age. You make a false claim (you will have to retur ay claim paymets we have made). You die. The cover provided by this policy will ed if: You have ot paid your premiums whe they are due. You cacel this isurace at ay time followig the expiry of your statutory coolig off period by givig Satader 30 days otice i writig. We cacel this isurace by givig you 30 days otice i writig. You sig a ew loa agreemet to replace the oe coected with this policy. However, we will cotiue to pay mothly beefit that is due to be paid for accidet or sickess, uemploymet or carer cover for ay claim that happeed prior to the ed date. You have the right to cacel your policy at ay time. To cacel this policy you should write to: Satader Accouts Admiistratio, Satader, PO Box 1111, Bradford BD1 9NQ betwee 9am ad 5pm Moday to Friday Switchig betwee claims If you eed to you ca switch from a uemploymet to a accidet or sickess claim or a carer claim or ay combiatio there is o additioal waitig period. However, we will ot pay more tha 12 mothly beefit paymets for ay claim period. This applies to ay oe cotiuous period of accidet or sickess, uemploymet or a period for which you are a carer or a combiatio of all three. You caot claim for accidet or sickess, uemploymet, or a carer claim at the same time. Whe will mothly claim paymets ed We will cotiue payig your claim util the first of the followig happes: Your uemploymet eds, you recover from your accidet or sickess or you are o loger a carer. We have paid the maximum of 12 full mothly beefits for ay oe cotiuous period of uemploymet, accidet or sickess or period for which you are a carer or a combiatio of all three. Your outstadig loa balace is repaid. You reach 65 years of age. Payig premiums durig a claim Whe you are makig a claim uder this policy you should cotiue to pay the mothly premium to esure that cover ca cotiue oce your claim has eded. I the evet that you should wish to cacel your policy durig a claim the we will cotiue to pay mothly beefit provided the claim has happeed prior to the cacellatio date ad your premiums were up to date. However, you will ot be covered for ay further claim that happes o or after the cacellatio date. Chage of premium ad cover We may chage the premium rates ad terms of cover at ay time by sedig you at least 30 days otice i writig to your last kow address.

10 Isurace Page 10 of 11 Promise of service complaits procedure Geeral iformatio Our aim is to give excellet service to all our customers but we recogise that thigs do go wrog occasioally. We take all complaits we receive seriously ad aim to resolve all problems promptly. To esure that we provide the kid of service you expect we welcome your feedback. We will record ad aalyse your commets to make sure we cotiually improve the service we offer. What will happe if you complai? We will ackowledge your complait promptly. We will keep you iformed of the progress of your complait. We will try our best to deal with your complait withi four weeks. If we eed more time we will let you kow. Most cocers ca be resolved quickly but occasioally more detailed equiries are eeded. If this is likely, we will cotact you with a update ad give you a expected date of respose. Who to cotact with your complait If you have a complait about: how your policy was sold; how your policy was set up; or the service you received Please call: (Ope 8am to 8pm Moday to Saturday ad 8am to 6pm Suday) or from outside the UK o Text Relay: Or you ca get i touch with us olie through the `Cotact us sectio of our website: Or you ca visit ay of our braches across the coutry. Or write to: Complaits Satader UK plc PO Box 1125 Bradford BD1 9PG If your complait is about: the terms ad coditios of your policy; the decisio made o your claim; or the way your claim was dealt with Please write to: The Creditor Maager, Aviva, PO Box 3486, Norwich NR1 3FY If you remai uhappy with the decisio you receive, you may write to: The Chief Executive UK Isurace, Aviva, PO Box 6, Surrey Street, Norwich NR1 3NS Oce you have give us the chace to put thigs right, if you are still uhappy you ca cotact the Fiacial Ombudsma Service (FOS). The cotact details are: Fiacial Ombudsma Service South Quay Plaza 183 Marsh Wall Lodo E14 9SR free for people phoig from a fixed lie (for example, a ladlie at home); or free for mobile phoe users who pay a mothly charge for calls to umbers startig 01 or 02. complait.ifo@fiacial-ombudsma.org.uk This isurace is uderwritte by Aviva Isurace Limited ad Aviva Life & Pesios UK Limited. Aviva Isurace Limited ad Aviva Life & Pesios UK Limited are authorised ad regulated by the Fiacial Services Authority. Aviva Life & Pesios UK Limited has agreed that Aviva Isurace Limited may admiister this isurace o its behalf. The law There is a choice of law for this isurace, but uless we agree otherwise, the law for that part of the UK where you live at the start date will apply. Use of laguage Uless otherwise agreed, the cotractual terms ad coditios ad other iformatio relatig to this cotract will be i Eglish. Protectig your premium The premium you have paid for this policy is held by Satader UK plc as a baker ot as a trustee so will ot be held i accordace with cliet moey rules. This still esures your moey is adequately protected. Fiacial Services Compesatio Scheme We are members of the Fiacial Services Compesatio Scheme (FSCS). You may be etitled to compesatio from this scheme if we caot meet our obligatios, depedig o the type of isurace ad the circumstaces of your claim. Further iformatio about the scheme is available from the FSCS website: Or write to: Fiacial Services Compesatio Scheme, 7th Floor, Lloyds Chambers, Portsoke Street, Lodo E1 8BN Data Protectio Act Iformatio Uses For the purposes of the Data Protectio Act 1998, the (joit) Data Cotroller(s) i relatio to ay persoal data you supply are Aviva Isurace Limited, Aviva Life & Pesios UK Limited ad Satader UK plc (Satader). For the purposes of this product, this statemet describes how the joit Data Cotrollers will use your persoal data. This is i additio to the uses described i the data protectio statemet for your loa agreemet. Isurace admiistratio Iformatio you supply may be used for the purposes of isurace admiistratio by us, our associated compaies ad agets, ad Satader, who may give essetial iformatio about you to Satader ad the group of compaies to which it belogs (the Satader Group), associated compaies ad agets. It may also be disclosed to regulatory bodies for the purposes of moitorig ad/or eforcig our compliace with ay regulatory rules/codes. Your iformatio may also be used for research ad statistical purposes ad crime prevetio. It may be trasferred to ay coutry, icludig coutries outside the Europea Ecoomic Area for ay of these purposes ad for systems admiistratio. Where this happes, we will esure that ayoe to whom we pass your iformatio agrees to treat your iformatio with the same level of protectio as if we were dealig with it. If you give us iformatio about aother perso, i doig so you cofirm that they have give you permissio to provide it to us ad for us to be able to process their persoal data (icludig ay sesitive data) ad also that you have told them who we are ad what we will use their data for, as set out i this otice. I the case of persoal data, with limited exceptios, ad o paymet of the appropriate fee, you have the right to access ad if ecessary rectify iformatio held about you. Further iformatio is available by telephoig: Sesitive data I order to assess the terms of the isurace cotract or admiister claims which arise, we may eed to collect data which the Data Protectio Act defies as sesitive (such as medical history or crimial covictios). By proceedig with this isurace, you sigify your coset to such iformatio beig processed by us or our agets. Notes: 1 The Fiacial Ombudsma Service will oly cosider your complait if you have give us the opportuity to resolve it ad you are a private policyholder. If, however, we do ot resolve your complait withi eight weeks, the Fiacial Ombudsma Service will accept a direct referral. 2 Whilst we are boud by the decisio of the Fiacial Ombudsma Service, you are ot. 3 Followig the complaits procedure does ot affect your right to take legal actio. For further iformatio about your legal rights, cotact your local authority tradig stadards departmet or the Citizes Advice Bureau. Fraud prevetio ad detectio I order to prevet ad detect fraud we may at ay time: Share iformatio about you with other orgaisatios ad public bodies icludig the police. Udertake credit searches ad additioal fraud searches. Check ad/or file your details with fraud prevetio agecies ad databases, ad if you give us false or iaccurate iformatio ad we suspect fraud, we will record this. We ca o request supply further details of the databases we access or cotribute to.

11 Page 11 of 11 Defiitios Wherever the followig words or phrases appear i this policy, they will be show i bold ad have the followig meaigs: Accidet or sickess Ay accidet, sickess or disease which occurs after the start date which results i you beig totally uable to carry out the duties of your ormal work ad ot doig ay other work, as cofirmed by a doctor or specialist. Normal work meas your work immediately before your accidet or sickess, or ay other work which we thik you are, or may reasoably become, qualified for i view of your traiig, educatio ad ability. Carer You look after a member of your immediate family o a full-time basis ad have completed a Carer s Allowace claim pack ad are either i receipt of or awaitig Carer s Allowace from the Departmet for Work ad Pesios. Carer s Allowace A taxable beefit paid by the Departmet for Work ad Pesios. Doctor A medical practitioer (other tha you or a member of your family) who holds a full qualificatio etitlig him or her to full registratio with the Geeral Medical Coucil. Immediate family Your spouse, civil parter, live i parter, childre ad parets. Loa agreemet Your usecured loa agreemet with Satader UK plc. No more tha 96 mothly repaymets must be due uder the loa agreemet. Mothly beefit A amout equal to the mothly repaymet you must pay to Satader UK plc each moth uder your loa agreemet. Outstadig loa balace The amout you owe to Satader UK plc o all your isured loa agreemets, less ay rebate applicable o early settlemet. The outstadig loa balace does ot iclude ay mothly repaymet arrears or ay associated iterest ad costs. Policy This documet sets out the beefits, terms, coditios ad exclusios of your Persoal Loa Paymet Protectio Isurace, which will commece from the start date ad cotiue for the duratio of your loa agreemet. It should be read i cojuctio with your loa agreemet. Self-employed You are self-employed if: You are carryig o a busiess i the UK either aloe or as a parter i a partership; or You ca cotrol the affairs of a compay you work for because either you or a relative or a member of your household idividually or joitly hold the majority of the votig rights i that compay; or You ca otherwise esure that the compay you work for coducts its affairs accordig to your wishes. Specialist A doctor who is or has bee a cosultat at a NHS hospital. Start date The date whe your isurace starts, which is the date Satader UK plc sigs ad dates the loa agreemet. Temporary work Work that is casual, occasioal or for a specific task. Also work that is seasoal or irregular, or for a period of traiig or appreticeship. UK Eglad, Scotlad, Wales, Norther Irelad, the Chael Islads ad the Isle of Ma. Uemploymet/uemployed Havig o paid work or temporary work ad havig a Jobseeker s Agreemet with the Departmet for Work ad Pesios i the UK. If you are ieligible for a Jobseeker s Agreemet you must be able to provide alterative proof acceptable to us that you are actively seekig work. Waitig period The first 30 days of ay claim. Mothly beefit will ot be paid durig this period. We/us/our For all uemploymet, carer ad accidet or sickess isurace beefits, Aviva Isurace Limited. For life isurace beefits, Aviva Life & Pesios UK Limited. Work Ay paid work of at least 16 hours a week. This icludes self-employed work ad statutory materity ad paretal leave but ot temporary work. You/your The perso who is eligible, has applied ad bee accepted by us for isurace ad who has paid or agreed to pay the premiums. Satader is able to provide literature i alterative formats. The formats available are: large prit, Braille ad audio CD. If you would like to register to receive correspodece i a alterative format please give us a call ad ask the adviser to fill i the SDST Customer Registratio form. BANK 0378 JUN 11 T Uderwritte by Aviva Isurace Limited. Registered i Scotlad No: 2116 Registered Office: Pitheavlis, Perth PH2 0NH. Authorised ad regulated by the Fiacial Services Authority. Uderwritte by Aviva Life & Pesios UK Limited. Registered i Eglad No: Registered Office: 2 Rougier Street, York YO90 1UU. Authorised ad regulated by the Fiacial Services Authority. Satader UK plc. Registered Office: 2 Trito Square, Reget s Place, Lodo NW1 3AN, Uited Kigdom. Registered Number Registered i Eglad. Telephoe Calls may be recorded or moitored. Authorised ad regulated by the Fiacial Services Authority except i respect of its cosumer credit products for which Satader UK plc is licesed ad regulated by the Office of Fair Tradig. FSA registratio umber Satader ad the flame logo are registered trademarks.