Platinum Insurance Policy Summaries

Transcription

1 Platinum Insurance Policy Summaries

2 Throughout this Policy, Platinum account refers to Select Platinum Accounts and Reward Platinum accounts. The Platinum account comes with a range of insurance policies that could cover you, your family and much more. This brochure explains the policies in more detail, and provides you with some important tips on how to make a claim. Minicom Users If you are a Minicom user, you can contact us on

3 Contents Platinum Insurance 4 Platinum Insurance Products 4 Policy Summaries 6 Platinum Travel Insurance 6 Mobile Phone Insurance 12 UK Car Breakdown Cover 14 3

4 Platinum Insurance Your Policy Summary Please read this document carefully. Full terms and conditions can be found within the policy document. This document does not form part of a contract between us. For full details of cover, including terms and conditions, please refer to leaflet Platinum Benefit Terms which was given to you when you applied for your NatWest Platinum account. Total Price to be Paid There is no separate charge for these insurance policies. There is a monthly account fee for the Platinum account and this charge is not adjusted should you not wish to use the insurance products. Benefits under the plan are free of all personal taxes under current law and Inland Revenue practice. Tax law and practice may change in the future. Other taxes may exist that are not paid via the underwriting Insurer and/or National Westminster Bank Plc or imposed by them or us. The Monthly Account Fee for the account will be inclusive of Insurance Premium Tax, where applicable, at the current rate. Business Language Used The language used in this and all other documents relating to this policy is in English. All future communications both verbal and written will be in English. Platinum Insurance Products Important Information Please review the high level policy summaries below and all the information provided in this document, to ensure our policies fully meet your needs and the cover is right for you. Travel Insurance Key Benefits Worldwide and UK multi-trip cover for you and your family Winter sports cover included Automatic cover no need to register Underwritten by U K Insurance Limited Main Exclusions Available to UK residents and persons over the age of 18 Persons aged 70 or over must call each year in order to obtain cover and will be required to pay an annual premium of 75 per person and will be medically screened Customers with an existing medical condition must call for screening. You may be required to pay a premium for cover or we may decide not to cover you for this condition Maximum trip duration limit of 31 days longer trips may be agreed at an additional cost Winter sports cover is restricted to 31 days Trips must start and end in the UK Trips in the UK must be for at least 3 consecutive days and in pre-booked accommodation, not belonging to a friend or family member Additional guests, Business, Wedding, Golf & Hazardous Activities are not covered but are available through calling Guests added to the policy must travel with the account holder or partner 4

5 Travel Insurance continued Mobile Phone Insurance Green Flag Car Breakdown Cover Key Benefits Covers your phone for damage, theft, loss and breakdown (after your warranty has expired) Claims are settled with a replacement phone. Replacements are refurbished models and are in an as new condition Covers standard accessories supplied with your phone that are lost, stolen or damaged at the same time as your phone, up to a maximum of 250 Cover for unauthorised use of up to 2,500 for pay monthly contracts and 100 for pay as you go Worldwide cover Underwritten by Aviva Insurance Limited UK cover includes Home Call and returning you and your vehicle to your home address in the UK and options to get to your destination if your vehicle can t be fixed Cover includes all vehicles owned by the account holders and registered at their home address Automatic cover no need to register Underwritten by U K Insurance Limited Main Exclusions Dependent children must be: Under 18 at the start of the journey or under 23 if in full time education Living at the home address or with their other parent Unmarried and not entered into a civil partnership If a member of your immediate family, a close business associate (whether travelling or not) or anyone travelling in your party has been a hospital inpatient or put on a waiting list for hospital treatment for a medical condition in the 12 months prior to you booking the journey, this policy does not cover the subsequent cancellation or curtailment of that journey as a result Trips booked prior to opening your account are covered by this policy, trips started before opening your account are not covered by this policy The excess you will have to pay for any successful claim is 100 Any claim for a phone other than the one you use on a daily basis, such as those used on a daily basis by family or friends, even if you pay the bill No cover for phones owned by your employer The maximum number of successful claims that can be made in any 12 month period is 2 (4 if the account is joint 2 each) No cover for theft or loss if you have deliberately put your phone at risk No cover for theft from an unattended vehicle unless the vehicle was locked and the phone concealed from view The vehicle must be fit to drive at the start of the journey and be serviced in line with the manufacturer s recommendations Doesn t cover any costs once the insured vehicle has been transported to a garage or repairer Roadside assistance outside the UK is not included Limited to 5 callouts in any 12 months 5

6 Platinum Travel Insurance Statement of demands and needs We have not provided you with a personal recommendation as to whether the policy is suitable for your specific needs and it is your responsibility to make sure that the policy is right for you. NatWest Platinum Travel Insurance meets the demands and needs of NatWest Platinum account customers who wish to ensure that travel insurance cover exists while on holiday. Policy Summary This is a summary of the policy only and does not form part of the contract between us. The full terms and conditions of the insurance contract can be found in the policy booklet. You should read all documents carefully and keep them for future reference. The Insurer The insurer is U K Insurance Limited. Type of insurance and cover NatWest Platinum Travel Insurance is designed to meet certain costs that might occur while you are travelling. Unless the insurer has confirmed otherwise in writing, the insurance will only cover: The account holder(s), and any domestic partner and dependant children under age 18 years (or 23 if in full time education, living at the same address and not married) plus any guests we have accepted Travellers who are aged under 70 years and have no existing medical conditions (see below) Trips up to 31 days duration (winter sports trips limited to 31 days) anywhere in the world. Trips in the UK must be for at least 3 consecutive days and all trips must start and end in the UK Insured activities listed in the policy wording and that are for leisure or non-manual work. Optional extra sections are available by calling the insurer on for: Business Golf Weddings Hazardous Activities. There are also other cover upgrades available for: Medical conditions Guests Age Extended trip duration Extra cancellation cover and if you have any of these extra sections or upgrades you will receive separate documents confirming this, and the period for which cover applies. Cover for medical conditions Pre-existing medical conditions are not covered at any time under this policy unless they have been disclosed to the insurer and accepted by them in writing. It is important that you read and fully understand the Medical Declaration on page 13 of the policy. When you become an insured person or when you book your trip (whichever is later): You must tell us about each pre-existing medical condition for any insured person. This is any medical condition for which you: have received advice, treatment or a prescription for medication (whether taking it or not) from a doctor during the last 12 months; have a heart or cancer related condition; are under investigation or awaiting diagnosis; are on a waiting list for treatment as an in-patient or were aware of the need for treatment as an in-patient; have received a terminal prognosis. Between the date you booked your trip and the start date of your trip: You must tell us about any new serious injury or serious illness affecting any insured person If you still wish to go on your trip and are considered fit to travel by your medical practitioner your policy will continue to operate normally. 6

7 Summary of the main features and benefits of NatWest Platinum Travel Insurance Cover Section Features and benefits Limit of cover (per person) Policy page Part 1 Covers For Your Trip A. Cancelling Your Trip Travel and accommodation costs that you have paid and cannot get back when you have to cancel a trip due to the death, serious injury or serious illness of insured people, travelling companions, close relatives, business associates or people you had planned to stay with. It also covers other reasons for you not being able to travel, including involuntary redundancy, jury service or advice from the Foreign & Commonwealth Office 5, B. Delayed Or Missed Departure Extra travel and accommodation costs to get you to your destination or return you home if your transport is delayed meaning you miss your departure Extra travel, accommodation and refreshment costs if you have checked in but your transport is delayed Travel and accommodation costs that you have paid and cannot get back where you have abandoned your trip because your departure was delayed for at least 6 hours (for trips of up to 4 nights) or 12 hours for longer trips 1, , C. Cutting Short Your Trip Travel and accommodation costs that you have paid and cannot get back when you have to cut short a trip due to the death, serious injury or serious illness of insured people, travelling companions, close relatives, business associates or people you had planned to stay with. It also covers other reasons for you not being able to continue with your journey, including involuntary redundancy, jury service or advice from the Foreign & Commonwealth Office 5, Part 2 Covers For You D. Emergency Medical and Related Costs While you are outside your home area: Emergency medical, surgical and hospital treatment Emergency dental treatment Hospital benefit for every 24 hours in hospital Whether outside or inside your home area: Extra travel and accommodation costs as a result of medical treatment Funeral or cremation abroad or returning body home 10,000,000 overall 1, per day 10,000 in home area Included in above limits 7, E. Personal Accident Accidental injury on a trip resulting in: Death or total permanent disability (depends on age) Loss of sight or limb 2,000 if under 18 years old 25,000 if over 18 years old 25,

8 Cover Section Features and benefits Limit of cover (per person) Policy page F. Personal Liability Personal liability for compensation you become legally liable to pay 2,000, G. Legal Costs Legal costs for you claiming damages and compensation following injury, illness or death or for breach of contract 50, Part 3 Covers For Your Property H. Baggage The cost of replacing items that are lost, stolen or accidentally damaged. Lower limits apply as follows. For any one item In total for all valuables (as defined in the policy) 1, I. Delayed Baggage The cost of essential replacement items if your baggage is temporarily lost for more than 4 hours at the start of your trip 650 (after 48 hours) 27 J. Personal Money The cost of replacing money that is lost or stolen K. Lost Passport or Driving Licence Travel, accommodation and administration costs to get emergency replacement documents to get you home L. Winter Sports Unused ski pack as a result of injury or illness The cost of replacing winter sports items that are lost, stolen or accidentally damaged Extra travel costs or compensation if the piste is closed Compensation if avalanche delays arrival or departure per day Part 4 Optional Extra Covers M. Business The cost of replacing business equipment items that are lost, stolen or accidentally damaged The cost of essential replacement business equipment items if yours are temporarily lost for more than 4 hours at the start of your trip The cost of a colleague replacing you due to death, injury or illness 1, , N. Golf The cost of replacing golf equipment items that are lost, stolen or accidentally damaged The cost of essential replacement golf equipment items if yours are temporarily lost for more than 4 hours at the start of your trip Lost green fees due to injury or illness O. Wedding The cost of replacing wedding effects that are lost, stolen or accidentally damaged Replacement photographs and video recordings 1, , This is only a summary of the cover provided and the limits that apply. Please refer to the policy wording for full details. 8

9 Summary of the main exclusions and limitations of NatWest Platinum Travel Insurance Cover Section Applying to the whole policy Significant or unusual exclusions or limitations. You will not be covered for any claim for: The excess of 75 per person, which applies to claims under most sections A traveller who is over 70 years of age unless an age extension is in force at the time of loss Any activities not on the list of permitted activities, unless the insurer has agreed to it Trips of more than 31 days, unless the insurer has agreed to it Trips of less than 3 consecutive days within your home area An event when there is no Platinum account in force Any deliberate act, or event of which you had prior knowledge before opening or upgrading the account or booking your trip A trip to a country or area where the Foreign & Commonwealth Office has advised against all travel Policy page Various Part 1 Covers For Your Trip A. Cancelling Your Trip B. Delayed Or Missed Departure C. Cutting Short Your Trip Part 2 Covers For You D. Emergency Medical and Related Costs E. Personal Accident F. Personal Liability Expenses you can recover from elsewhere Any pre-existing conditions for any traveller unless we have accepted it in writing Cancellation as a result of a medical condition of a close relative, business associate or travelling companion who has been or is waiting for treatment as an in-patient, has been diagnosed with cancer or given a terminal prognosis in the last 12 months Expenses you can recover from elsewhere Expenses for trips that are not international Expenses for both Delayed International Departure and Abandoned International Departure for the same event Missed International Departure where your vehicle hasn t been properly serviced and maintained Expenses you can recover from elsewhere Any pre-existing conditions for any traveller unless we have accepted it in writing Cutting short a trip as a result of a medical condition of a close relative, business associate or travelling companion who has been or is waiting for treatment as an in-patient, has been diagnosed with cancer or given a terminal prognosis in the last 12 months Any pre-existing conditions for any traveller unless we have accepted it in writing Non-emergency dental work, or involving precious metals Medical treatment costs in your home area Private treatment unless we have agreed to it Any pre-existing conditions for any traveller unless we have accepted it in writing Sickness or naturally occurring condition Total permanent disability if you had retired before travelling Relating to owning or using animals (other than your pets), firearms, vehicles, vessels or aircraft Related to your job G. Legal Costs Action where there is no reasonable prospects of success Defending actions against you Expenses incurred before we have accepted your claim

10 Cover Section Significant or unusual exclusions or limitations. You will not be covered for any claim for: Policy page Part 3 Covers For Your Property H. Baggage If you do not report the loss to the police within 24 hours or have no police report Unless the items stolen were in your locked accommodation, safe or safety deposit box, or vehicle For valuable items, if they are not with you 26 I. Delayed Baggage If you do not get a Property Irregularity Report 27 J. Personal Money K. Lost Passport or Driving Licence L. Winter Sports If you do not report the loss to the police within 24 hours or have no police report Unless the items stolen were in your locked accommodation, safe or safety deposit box, or vehicle If you do not report the loss to the police within 24 hours or have no police report Unless the items stolen were in your locked accommodation, safe or safety deposit box, or vehicle If you do not report the loss to the police within 24 hours or have no police report Items stolen in your unattended vehicle Part 4 Optional Extra Covers M. Business If you do not report the loss to the police within 24 hours or have no police report Valuable items stolen from your unattended vehicle N. Golf If you do not report the loss to the police within 24 hours or have no police report Valuable items stolen from your unattended vehicle O. Wedding If you do not report the loss to the police within 24 hours or have no police report Valuable items stolen from your unattended vehicle This is only a summary of the cover provided and the limits that apply. Please refer to the policy wording for full details. Duration of the policy The policy remains in force until one of the following occurs: The NatWest Platinum account is closed Each traveller reaches 70 years of age, unless they buy an age extension. Cover for other travellers will continue to operate. Any traveller is no longer a UK resident. Upgrades and extensions to cover will either be renewable annually (we will send you a renewal notice) or will be for a single trip only. Because the NatWest Platinum Travel Insurance has no end date, and your circumstances will change from time to time, it is important that you regularly review the cover to ensure it meets your needs. 10

11 Cancellation rights The account holder can cancel this policy at any time by telling us either over the phone or in writing. However, this insurance is included as an integral benefit with your NatWest Platinum account. You do not, therefore, pay a separate premium and would not receive any refund as a consequence of cancelling the policy. The account holder can cancel any upgrades or endorsements at any time by telling us either over the phone or in writing. We will not refund any premium unless the account holder cancels the relevant upgrade or endorsement within 14 days from the date of purchase or renewal or the date of receiving the relevant documents or renewal notice, whichever is the later, and so long as no insured person has travelled or made a claim. If you need to claim How to make a claim While you are away: If you are injured or ill while you are away, call our Emergency Assistance Service Non-emergency claims Legal Costs claims Please call from abroad Lines are open 24 hours a day, 365 days a year in the UK from abroad Lines are open 9am to 5pm Monday to Friday in the UK from abroad Lines are open 24 hours a day, 365 days a year If you need to complain Should there ever be an occasion where you need to complain, please call us on or if you wish to write, then please address your letter to Customer Relations, P O Box 1150, Churchill Court, Bromley BR1 9WA. If we cannot resolve the differences between us, you may refer your complaint to the Financial Ombudsman Service (FOS). Their address is: Financial Ombudsman Service, Exchange Tower, London E14 9SR. Phone: or You can visit the FOS website at Details about our regulator U K Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registration number The Financial Conduct Authority website, which includes a register of all regulated firms can be visited at or the Financial Conduct Authority can be contacted on The Prudential Regulation Authority website can be visited at or the Prudential Regulation Authority can be contacted on Under the Financial Services and Markets Act 2000, should the company be unable to meet all its liabilities to policyholders, compensation may be available. Insurance advising and arranging is covered for 90% of the claim without any upper limit. For compulsory classes of insurance, Insurance advising and arranging is covered for 100% of the claim, without any upper limit. Information can be obtained on request, or by visiting the Financial Services Compensation Scheme We will also be happy to send you any of our brochures, letters or statements in Braille, large print or audio, upon request. NatWest Platinum Travel Insurance is underwritten by U K Insurance Limited. Registered office: The Wharf, Neville Street, Leeds LS1 4AZ. Registered in England and Wales No U K Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. 11

12 Policy Summary Mobile Phone Insurance Policy Summary This is a summary of the policy and does not contain the full terms and conditions of the cover, these can be found in the Platinum Mobile Phone Insurance terms document. It is important that you read the full policy wording carefully and keep it for future reference. Throughout this summary, references to you and your apply to the account holder if this is a sole account, and to both account holders if the account is joint. Who is the insurer? The insurer is Aviva Insurance Limited. What is Platinum Mobile Phone Insurance? This mobile phone insurance policy provides cover for your phone in the event of loss, theft, damage and breakdown after the manufacturer s warranty has expired. What are the main features and benefits? Covers the phone you use on a daily basis. We will settle claims by replacing the phone. Our replacement phones are refurbished models. They are refurbished using genuine manufacturer parts and will be in an as new condition. All replacement phones provided by us will come with a 12 month warranty provided by Carphone Warehouse. Covers standard accessories supplied with your phone and/or any case, charger, screen protector and/or memory card if these are lost, stolen or damaged at the same time as your phone, up to a maximum of 250. Following a valid claim for theft or loss we will also cover costs for unauthorised use up to 2,500 for monthly contracts and 100 for pay-as-you-go. The phone will be covered whilst you are temporarily outside the UK, providing you remain a permanent UK resident, meaning you have your main home in the UK. If you are abroad when you need to make a claim, we can only arrange a replacement phone once you are back in the UK. What are the significant or unusual exclusions or limitations? There are a number of exclusions and limitations in your policy. Significant or unusual ones are shown below. Full details can be found under the We won t cover Making a Claim and General Conditions sections of your Mobile Phone Insurance Terms. You ll pay a contribution of 100 for each successful claim you make this is called the policy excess and must be paid before we send you a replacement phone. Cover is provided for the phone you use on a daily basis only, and not phones used on a daily basis by family or friends. There is no cover for phones which are owned by your employer. The maximum number of successful claims you can make in any 12 month period is two. If this is a joint account, two account holders can each make two successful claims, with a maximum of four per account. All instances of loss or theft must be reported to the network provider so they can block your phone. If your claim is accepted and you also wish to claim for unauthorised use, you must notify your network provider within 24 hours of discovery (48 hours if you are abroad). We will not pay for theft or loss of your phone where the circumstances of the claim suggest you have deliberately put the phone at risk. There is no cover for theft from an unattended vehicle unless the vehicle was locked and the phone concealed from view. We will not cover cosmetic enhancements you ve made to your phone, for example plating or embellishment with precious metals, stones or crystals. There is no cover for cosmetic damage to the surface of the phone such as scratches and dents, that don t affect how the phone works. We will not pay any claim where you do not provide the IMEI number or the IMEI number you provide belongs to a phone that has been previously reported as lost or stolen. We may ask you to provide documents, receipts or other information reasonably necessary to verify your claim. 12

13 How long does my policy run for? Mobile Phone Insurance is available to you as a benefit of the Platinum Account. Your cover will begin as soon as the account has been opened. Your cover will end if: your Platinum account is closed; you are no longer a UK resident (meaning that your main home is no longer in England, Scotland, Wales or Northern Ireland); or NatWest removes this cover as a benefit of the Platinum account in accordance with your account terms. Registration If you wish you can register your phone and its IMEI number with us it ll make it quicker and easier if you need to make a claim. You can find your IMEI number on the box or receipt for your phone, or by dialling *#06# on your phone s keypad. If you wish to register your phone, just go online at How do I make a claim? Please contact us as soon as you can when you discover theft, loss, damage or breakdown. If your phone is lost or stolen you must report it to your network provider and be able to provide evidence of the report. If you wish to claim for unauthorised use costs you must notify the network provider within 24 hours of discovery (48 hours if you are abroad at the time). If you need to make a claim, either: Go online through or Call Our phone lines are open: Monday to Friday Saturday Sunday Bank Holidays (closed on Christmas Day) Cancellation This mobile phone insurance forms a core part of your Platinum Account and cannot be cancelled in isolation. If you wish to cancel this insurance, you will need to close or downgrade your account. If your account is not closed or downgraded, the mobile phone insurance will remain active for as long as you are a UK resident and NatWest continues to offer this cover as a Platinum Account benefit. If you have a complaint Our goal is to give excellent service to all our customers but we recognise that things do go wrong occasionally. We take all complaints we receive seriously and aim to resolve all our customers problems promptly and achieve a fair outcome. To ensure that we provide the kind of service you expect we welcome your feedback. We will review the complaints we receive to make sure that we continually improve the service we offer. Details of our full complaints process can be found in your policy wording. If you are unhappy with any aspect of the handling of your mobile phone insurance claim we would encourage you, in the first instance, to seek resolution by contacting us: By telephone: In writing either via or by letter addressed to: NatWest Platinum Account Aviva Mobile Phone Insurance PO Box 351 Southampton SO30 2PJ Financial Services Compensation Scheme The insurer is a member of the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from this scheme if the insurer cannot meet its obligations, depending on the type of insurance and the circumstances of your claim. Aviva Insurance Limited. Registered in Scotland, No Registered Office: Pitheavlis, Perth PH2 0NH. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. 13

14 Policy Summary Platinum UK Car Breakdown Cover Statement of Demands and Needs We have not provided you with a personal recommendation as to whether the policy is suitable for your specific needs and it s your responsibility to make sure that the policy is right for you. This product meets the demands and needs of those who wish to ensure that they are covered for vehicle breakdown. Your Benefit Terms Please read this document carefully. This policy summary does not form part of the contract between us. For full details of cover including terms and conditions, please refer to the Platinum Benefit Terms contained within your Platinum account Welcome Pack. For your own benefit and protection you should read the terms and conditions carefully. If you do not understand any point, please ask for further information. You can call us with any questions on Features of a Green Flag Breakdown Policy NatWest Rescue Insurance is underwritten by U K Insurance Limited, Registered office: The Wharf, Neville Street, Leeds LS1 4AZ. Registered in England and Wales No U K Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority and will run in conjunction with your Platinum account Package. As this policy could run for several years you may want to review your insurance needs periodically to ensure the policy is adequate. Please refer to your Platinum Benefit Terms. Significant Features of a Green Flag Breakdown Policy Your policy covers your vehicle or anyone driving with your permission, who is not a hitch-hiker, up to a maximum of 8 persons including the driver. You can claim 10 if the recovery vehicle does not attend within 60 minutes of you contacting us see Section A Breakdown cover in the UK, of the Platinum Benefit Terms. Roadside Assistance including long distance recovery to the Home or a suitable repairer where necessary. Assistance at your home address see Section A Breakdown cover in the UK. Caravan and Trailer cover see definition of Vehicle under Commonly used terms in the Platinum Benefit Terms. Significant Exclusions and Limitations of a Green Flag Breakdown Policy We will only pay for repair or recovery costs that you have agreed with us prior to you incurring them General Condition 13 of the Platinum Benefit Terms. As per our Fair use policy, we will provide Platinum Breakdown cover up to five times in any 12-month period of cover. We may write and tell you when you have reached that limit. If you would like to upgrade your Breakdown cover It is possible to upgrade your Breakdown cover. If you would like to upgrade please telephone Your right to cancel this policy You have the right to cancel this policy at any time, which will have immediate effect: by phone: by calling am to 8pm Monday to Friday, 9am to 5pm Saturday and 10am to 5pm Sunday (other than bank holidays and public holidays); or by post: by writing to NatWest Rescue Insurance Customer Services, PO Box 106, 37 Broad Street, Bristol BS99 7NQ. If you choose to cancel this policy you will not be entitled to any refund, reduction or rebate of your account fee. How to make a claim To notify us of a claim whilst travelling within the UK, please telephone How to complain Should there ever be an occasion where you need to complain, please call us on If you wish to write, then address your letter as follows: Platinum account Car Breakdown, Customer Relations Department, Green Flag, Cote Lane, Pudsey LS28 5GF. If we cannot resolve the differences between us, you may refer your complaint to the Financial Ombudsman Service (FOS). Their address is: Exchange Tower, London E14 9SR, telephone

15 Details about our Regulator NatWest Rescue Insurance is underwritten by U K Insurance Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, registration number The Financial Conduct Authority website, which includes a register of all regulated firms can be visited at or the Financial Conduct Authority can be contacted on The Prudential Regulation Authority website can be visited at or the Prudential Regulation Authority can be contacted on Under the Financial Services and Markets Act 2000, should the company be unable to meet all its liabilities to policyholders, compensation may be available. Insurance advising and arranging is covered for 90% of the claim, without any upper limit. For compulsory classes of insurance, insurance advising and arranging is covered for 100% of the claim, without any upper limit. Information can be obtained on request, or by visiting the Financial Services Compensation Scheme 15

16 Braille, large print or audio format? If you d like this information in another format, call us on (Minicom ) The product(s) mentioned in this literature is/are covered by the Financial Services Compensation Scheme (FSCS). The FSCS can pay compensation to depositors if a bank is unable to meet its financial obligations. For further information about the compensation provided by the FSCS, refer to the FSCS website Our main business is banking and financial services. We will provide you with banking services in accordance with the terms which apply to your account. We are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. We are entered on the Financial Services Register and our registration number is Calls may be recorded. National Westminster Bank Plc. Registered Office: 135 Bishopsgate, London EC2M 3UR. Registered No , England. NWB June 2017