Notice of Variation. Effective from 1 November 2018

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1 Notice of Variation Effective from 1 November 2018 Important: Changes to HSBC Insurance Aspects and other important information you need to know. Please read this notice carefully and keep it safe. What is this booklet? This leaflet is very important as it explains the changes that come into effect from 1 November You must keep it for future reference as it: reminds you of the insurances associated with this product informs you of how the cover provided has changed gives you the relevant contact details, should you need to make a claim under this policy. Customer helpline If you have any questions or want to make any changes to your policy, please contact the customer services helpline on For our joint protection and training purposes calls may be recorded and/or monitored.

2 2 Changes to Policy Terms and Conditions Your existing HSBC Insurance Aspects Terms and Conditions, Motor Breakdown Assistance and Mobile Phone Insurance Terms and Conditions are being replaced by the Terms and Conditions enclosed with this leaflet. There are no changes to your Travel Insurance Terms and Conditions. These new terms will come into effect on 1 November Please keep these new documents in a safe place; as you may need to refer to them in future if you need to make a claim. The following is a summary to highlight the key changes we ve made. It does not contain a full list of the changes which have been made to your policy. It is very important that you read the new Terms and Conditions to fully understand what is and isn t covered, and to ensure that the cover still meets your needs. Motor Breakdown Assistance Key Changes Whole policy Making a claim What is covered Roadside assistance and recovery and At home Pages 4 and 5 Conditions and exclusions which apply to this whole policy Page 7 Vehicle size Page 3 The provider of your Motor Breakdown Assistance policy is changing to the RAC. Aviva Insurance Limited is the administrator on behalf of the RAC. Aviva Insurance Limited is 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. The cover is provided by RAC Motoring Services. Registered no RAC Motoring Services is authorised and regulated by the Financial Conduct Authority in respect of insurance mediation activities. The number to call has changed, please call in the event of a Motor Breakdown. There is no longer a limit on the time the RAC will spend to attempt to repair the vehicle at the roadside or at home. Should the RAC be unable to repair the vehicle the RAC will now recover it along with you and up to seven passengers to a single destination of your choice within the UK. If the RAC recovers the vehicle to a garage, you and up to seven passengers travelling with you will be reimbursed for taxi costs to continue the journey to a single destination within 20 miles. The RAC will not recover the vehicle in the event of a fire or theft. Cover will now apply to vehicles up to 6.4 metres (21ft) in length, 2.55 metres (8ft 4in) in width and 3,500kgs (3.5 tonnes) in weight. Change of Insurer Change of contact details Increased cover Increased

3 3 Breakdown Notification Page 7 Annual claim limit Pages 3 and 7 Optional Onward Travel and European Assistance Upgrade Cover For breakdowns within a quarter of a mile of your home covered under Section B (At Home) you will need to notify us of the breakdown within 24 hours of the event in order to receive assistance. A maximum of 5 claims can still be made for each HSBC Insurance Aspects holder each policy year, but your policy year will start on 1 November 2018 and every 12 months thereafter until your cover ends. The optional Onward Travel and European Assistance upgrades (Breakdown Assistance Select policy) will no longer be available to purchase. Change to definition of policy year Motor Phone Insurance Key Changes Whole policy Making a claim Page 6 HSBC Insurance Aspects Mobile Phone Insurance will be underwritten by Aviva Insurance Limited (Aviva), 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. Whilst Aviva will be the insurer of this policy and will remain liable to you under the terms and conditions of this policy, it will use The Carphone Warehouse Limited as its agents to help administer your policy and deal with claims. The number to call has changed, call us on ( if calling from abroad). Claims can also now be submitted and tracked online at ciiom.hsbc.com/insurance/ insurance-aspects Change of insurer Change of contact details

4 4 How your claim will be settled (Repairs) Page 8 How your claim will be settled (Replacements) Page 9 Annual claim limit Pages 2 and 3 Unauthorised Use Page 5 Mobile phone definition Page 3 If you have an Apple mobile phone and it is damaged during the period of cover and can be repaired, you will no longer have the option to get it repaired by Apple. Aviva will arrange for your phone to be repaired (if it can be repaired). The cost of any repairs carried out by you or anyone not authorised by Aviva will not be covered. The Carphone Warehouse Limited will provide you with a warranty on your phone once a repair has been completed. Full details can be found in the Making a claim section of the Mobile Phone Insurance Terms and Conditions. All replacement phones will now be refurbished models which come with a warranty provided by The Carphone Warehouse Limited. Full details can be found in the Making a claim section of the Mobile Phone Insurance Terms and Conditions. Your new cover will start from 1 November A maximum of 2 claims can still be made by each HSBC Insurance Aspects holder each policy year, but your policy year will now begin on 1 November 2018 and every 12 months thereafter until your cover ends. Following a valid claim for theft or loss, the costs of unauthorised calls, texts and mobile data will still be covered up to 1,500. Cover for unauthorised use is now restricted to costs incurred up to 24 hours after you realise your phone in missing (48 hours if you re abroad). Cover will now be limited to phones owned by you that: are the manufacturer s standard design and specification; have SIM card capability and are able to make and receive telephone calls and SMS messages when connected to a mobile phone network; cannot be used as a satellite phone; and have not been manufactured wholly or partly from precious or semi-precious metals, stones or crystals. From 1 November 2018 there will be no cover for any tablet or other portable electronic device that is not a mobile phone. Change to definition of policy year

5 5 Online service functionality Post claim Technical Support We re making it easier to manage your policy and make claims online. From 1 November 2018 you ll be able to: submit your claim arrange your repair or replacement phone track progress on accepted claims view and change your registered devices check your cover details and contact us about your insurance If you have previously registered your phone and its IMEI number, it will need to be registered again. Don t worry you re covered whether you ve registered or not, but you will need your IMEI number to claim. To register your phone or to make or manage a claim just go online at ciiom.hsbc.com/insurance/insurance-aspects Following a successful claim, you will now be able to contact our technical support service if you need help with setting up your handset. Service improvement Service improvement

6 ciiom.hsbc.com Issued by HSBC Bank plc HSBC Bank plc is registered in England number Registered Office: 8 Canada Square, London E14 5HQ Customer Information: PO Box 6201, Coventry CV3 9HW PO Box 14, St Helier, Jersey JE4 8NJ PO Box 31, St Peter Port, Guernsey GY1 3AT PO Box 20, Douglas, Isle of Man IM99 1AU NRFB1434 MCP /18 HSBC Group 2018 All Rights Reserved.