Receipt. Bluefin Sport would like to thank you for purchasing the National Game Personal Accident Insurance through Bluefin Sport

Transcription

1 Chris Burnett Oldham Hulmeians 3 Kentwell Close Dukinfield Cheshire SK16 4HN Receipt Policy Number Policy Holder Class of Business Insurance Period NGPAW Oldham Hulmeians National Game Insurance Scheme Personal Accident Insurance 01st July 2013 to 30th June 2014 Net Premium (Chargeable to IPT) Insurance Premium 6% Total Paid Bluefin Sport would like to thank you for purchasing the National Game Personal Accident Insurance through Bluefin Sport Bluefin Sport is a trading name of Bluefin Insurance Services Limited which is authorised and regulated by the Financial Conduct Authority. Registered Office: 5 Old Broad Street, London EC2N 1AD. Registered in England No:

2 Chris Burnett Oldham Hulmeians 3 Kentwell Close Dukinfield Cheshire SK16 4HN Castlemead Lower Castle Street Bristol BS1 3AG t f th June 2013 Dear Chris Burnett National Game Insurance Scheme Football Group Personal Accident Insurance Thank you for choosing to join the National Game Personal Accident Insurance Scheme arranged by Bluefin Sport and underwritten by the ACE Group of Companies. With this letter, you will find all the documents you need for this insurance. Please keep this documentation safe as you will need them to hand should you need to claim. Your policy Your policy documentation is enclosed and it is important that you read this carefully to ensure that all the details are correct and cover meets your requirements. If you need to make any changes or have any questions, please call our dedicated sports team on and we will be happy to help you. Should you require additional copies of the policy wording and key feature summaries to give to your team members, these are available at all times on our website: Enclosed you will also find a one page poster summarising the cover purchased, we recommend this is put up within your clubs changing rooms or club notice board to ensure the cover details are available to all your players who qualify for protection under this policy. Life Cover Please note the life insurance cover, which applies whilst a person is training for or participating in a club fixture, excludes claims which arise from an illness, injury or medical condition that was known about before the start of the policy. There is no such exclusion for Accidental injury cover. Please make a note of your clubs unique Bluefin transaction reference which will help us deal more efficiently with any enquiry: Club Name: Oldham Hulmeians Transaction Ref: NGPAW Bluefin Sport is a trading name of Bluefin Insurance Services Limited which is authorised and regulated by the Financial Conduct Authority. Registered Office: 5 Old Broad Street, London EC2N 1AD. Registered in England No:

3 Making a claim All claims must be submitted to Ace European Group Ltd. A Claim Form can be found on our website If you wish to submit details of your claim by post please arrange to return the fully completed claim form to ACE European Group, PO Box 4511, Dunstable, LU6 9QA or claims@acegroup.com. It is important that you also notify your club secretary who will be required to sign your claim form to confirm you are a member of the club/team insured under this policy. We recommend you keep a copy of all documentation sent to Ace for your own records. By dealing with ACE s dedicated personal accident claims team, we trust you will receive a prompt and efficient service. However, should you experience any problems, our sports team will be happy to help. Statement of Fact The Insurers do not require you to complete a proposal form for this Personal Accident insurance policy, instead they will use the statements made and information given during the application process, which may have been given on-line via our website, as the basis of the policy. This enclosed Statement of Fact has been produced from the information you have provided, some of these facts may also have been assumed to be true, so please check the enclosed carefully. Intentionally or innocently providing incorrect, false or misleading information to Insurers could result in the policy not paying a claim or even being cancelled. Our service It is our intention to provide you with the highest levels of service at all times, so please contact us on if you have any concerns about your cover or if we can assist in any other way. Please ensure you visit the National Game Insurance Scheme website which is dedicated to grassroots football. The news section is regularly updated and valuable advice is provided under the Kick the Risk section. Yours faithfully, Bluefin Sport Tel: E: nationalgame@bluefingroup.co.uk Bluefin Sport is a trading name of Bluefin Insurance Services Limited which is authorised and regulated by the Financial Conduct Authority. Registered Office: 5 Old Broad Street, London EC2N 1AD. Registered in England No:

4 National Game Insurance Scheme Personal Accident Your clubs policy schedule The injury schedule should be read in conjunction with the policy wording. Policy Number Transaction ref Intermediary Name Insured: Address: Postcode: County Football Association: Business description: 13UKBOPC60914 NGPAW Bluefin Sport Oldham Hulmeians 3 Kentwell Close Dukinfield Cheshire SK16 4HN Lancashire FA Football Club Number of Teams Total Payable Adult 11 aside 4 Adult 5/7 aside 0 Optional Extension None Level of Cover Superior 30 Superior 30 *This amount is inclusive of 6% Insurance Premium Tax (IPT) where applicable. Note IPT is not payable on the Life Insurance element of the premium Youth Under 13 s and above Youth under 12 s Date of issue: 12th June 2013 Period of Insurance: 01st July 2013 to 30th June 2014 (Both dates inclusive)

5 National Game Insurance Scheme Personal Accident Policy Schedule Adult team benefits Section A Life & Accidental Death cover Category: A B Definition of Insured Persons: Any Person who is a registered player of the Insured Any committee member of the Insured and any person acting officially on behalf of the Insured as manager, trainer or assisting referee Category Benefit Effective Time Maximum Limits per Insured Person A & B 1. Life Cover ET1 7,000 A & B 2. Accidental Death resulting from Bodily Injury ET2 30,000 Code ET1 ET2 Effective Time Whilst an Insured Person is training and/or playing in football matches only Whilst an Insured Person is at any ground or premises worldwide where the Insured has agreed a fixture or official club social events or attending Football training, including travelling directly to and from such activities

6 Section B Injury Category A B Code ET2 Definition of Insured Persons Any Person who is a registered player of the Insured Any committee member of the Insured and any person acting officially on behalf of the Insured as manager, trainer or assisting referee Effective Time Whilst an Insured Person is at any ground or premises worldwide where the Insured has agreed a fixture or official club social events, Football training, and travelling directly to and from such activities Category Accidental Bodily Injury resulting in: Effective Maximum Limits per Insured Time Person A & B 1. Permanent Total Disablement ET2 Up to 50,000 A & B 2. Loss of Limbs ET2 30,000 A & B 3. Loss of Sight ET2 30,000 A & B 4. Loss of Speech ET2 30,000 A & B 5. a) Loss of Hearing (both ears) ET2 A & B 5. b) Loss of hearing (one ear) ET2 A & B 6. Loss of Internal Organs ET2 A & B 7. Temporary Total Disablement* ET2 30,000 6,250 30, *Temporary Total Disablement Benefit Benefit Deferment Period: Maximum weekly benefit for each Insured Person: Period: Weeks 14 days 30 Description Broken Bones Legs, collar, arms and/or cheek Extensions of Cover Coma Maximum benefit Period 365 days Primary Dislocation benefit Kneecap, Shoulder, Elbow or Hip Emergency Dental expenses (Pain Relief) Emergency Medical Expenses Extra Travel expenses Maximum benefit Period 4 weeks Helpline - Counselling Helpline Legal Advice Home /Car Adaptation and Home Relocation Expenses Home Help (Temporary Total Disablement Extension) Includes being a full time housewife or househusband as an occupation Hospitalisation Benefits Maximum benefit Period 30 days Dental Injury Physiotherapy Cover Rehabilitation and retraining Aggregate Limit per Event overall: 2,000,000 Maximum Limits per Insured Person per day 100 Up to Up to 25 per week Operates 24 hours a day, 365 days per year Operates 24 hours a day, 365 days per year Up to 10,000 Included 25 per day Up to 2,500 (This is the maximum amount that the insurer, ACE, will pay per Event in total under this and any other policies issues by ACE to the Insured)

7 Endorsements 1 Endorsement 1 - Permanent Partial Disablement Compensation under Section B benefit 1 Permanent Total Disablement as shown in the Schedule is extended to include the following benefit - subject to a maximum total of 100% in the aggregate. 1. Total loss of use of: a. back or spine (excluding cervical) without cord involvement 40% b. neck or cervical spine without cord involvement 30% c. shoulder, elbow or wrist 25% d. hip, knee or ankle 20% 2. Loss of or total loss of use of: a. foot below the level of the ankle(talofibular joint) 50% b. thumb 20% c. one forefinger or big toe 15% d. any other finger 10% e. any other toe 4% 3. Benefit for any Permanent Disabling Injury not noted above will be calculated on a medical assessment by ACE of the degree of disability relative to this scale without reference to the Insured Person's occupation. Provided that: a. The total benefit payable shall not exceed 100% of the amount shown in the table of sums insured for each Insured Person in respect of any one Accident. b. If benefit is payable for Loss of or Loss of use of a Limb then benefits for parts of that limb cannot also be claimed. 2 Endorsement 2 Age limit extension It is noted and agreed that if an Insured Person is over the age of 55 years, the Policy Age Limit for SECTION A benefit 2 Accidental Death and SECTION B Injury benefits 1-6 is deleted, and the following benefits and age limits will apply: Benefits Basic Limits: For persons older than 55 years of age but less than 75 years of age Superior Limits: For persons older than 55 years of age but less than 75 years of age Basic Limits: For persons older than 75 years of age Superior Limits: For persons older than 75 years of age Persons covered Category A Category A Category B only Category B only Section A: Benefit 2 Accidental 15,000 15,000 3,000 3,000 Death resulting from Bodily Injury Section B: Benefit 1* 25,000* 25,000* NIL NIL Section B: Benefits 2-3 Benefits 4 6 (excluding 5.b) Benefit 5. b) Benefit 7 15,000 15,000 15,000 3,125 3,000 3, Home/Car Modification 5,000 1,000 Broken Bones/Dislocation 50 NIL Emergency Medical Expenses Rehabilitation and retraining 1, expenses Hospitalisation benefits per day (max 4 weeks) per day (max 4 weeks) Coma benefit per day (max 365 days) per day (max 365 days) Travel Expenses per week per week (max 4 weeks) (max 4 weeks) Helpline - Counselling YES YES Helpline Legal Advice YES YES *The Permanent Total Disablement benefit (Section A, benefit 1) is only applicable if the Insured Person is in full-time employment at the time of sustaining Bodily Injury and for the purposes of this endorsement the definition of Permanent Total Disablement contained within the wording is deleted and replaced with as follows: Permanent Total Disablement means disablement other than any Permanent Disabling Injury which has lasted for at least 12 months and which in ACE s opinion is beyond hope of recovery and will in all probability continue for the remainder of the Insured Person s life and will prevent the Insured Person from engaging in or giving attention to any occupation.

8 Group personal accident insurance Statement of fact The Insurers do not require you to complete a proposal form for this Personal Accident insurance policy, instead they will use the statements made and information given during the application process, which may have been given on-line via our website, as the basis of the policy. This following Statement of Fact was generated from our files in response to the information you have provided. Some of these facts may also have been assumed to be true so please check this carefully. Intentionally or innocently providing incorrect, false or misleading information to Insurers could result in the policy not paying a claim or even being cancelled. Cover will not be valid unless you can agree to the following statement. Statement of Fact 1.Neither You or any Manager, Club Official(s) or Committee Member(s) of the club now applying for this insurance have:- been convicted of or charged (but not yet tried) with a criminal offence other than (road traffic) motor offences received an official caution for a criminal offence within the last three years other than a (road traffic) motoring offence. 2. In respect of the club which is the subject of this insurance contract, or any other business which You, Your Managers, Club Officials or committee members have been involved with, no insurer has ever: declined, cancelled or refused any proposal of insurance; cancelled or declined to renew any insurance; imposed special terms or conditions. If You are unable to confirm these statements, You must contact Bluefin Sport immediately. These are all considered to be Material Facts. 3. The person applying for the insurance has the authority of the Club Players and Club Officials to supply any personal details and they have declared, to the best of their knowledge that: In respect of the persons to be insured no insurer has declined to provide accident insurance or cancelled or refused to renew such insurance; That the above statements and particulars are true and complete; No Material Fact has been withheld Definitions Where used above the following words have the meaning shown below: Insurers: ACE Europe Life Ltd and ACE European Group Ltd. You/Your: Club Official, Club Secretary, Committee Member. Insured Person: Person(s) specified in the Schedule as being insured person(s). Material Fact: Any facts that You know about or should reasonably know about that could affect the Insurers judgement of the risks, whether or not to accept the application or what premium to charge. Underwritten by ACE European Group Limited, Registered in England No Head Office: ACE Building, 100 Leadenhall Street, London, EC3A 3BP. Authorised and regulated by the Financial Conduct Authority (FCA). Registration number FRN Full details can be found on the Financial Services Register by visiting or by contacting the FCA on Bluefin insurance Services Limited is authorised and regulated by the Financial Conduct Authority. Registered Office: 5 Old Broad Street, London EC2N 1AD. Registered in England No: Arranged by

9 For distribution to members or to display in an area visible to members Personal accident insurance benefits summary for adult teams Insured club/team: Level of cover: Accidental Death 30,000 Life Cover 7,000 Permanent Total Disablement Up to 50,000 Loss of Sight in One or both Eyes 30,000 Loss of One or more Limbs 30,000 Weekly benefit (Temporary Total Disablement - TTD) Broken Bones (Leg, arms and/or cheek) Primary Dislocation (Kneecap, Elbow Shoulder or Hip) Loss of Speech Loss of Hearing both ears Loss of Hearing One ear Loss of Internal Organ Emergency Dental (Pain Relief) Emergency Medical Expenses Rehabilitation and Retraining Home/Car Adaption Expenses Extra Travel Expenses Coma Benefit Hospitalisation Legal Advice and Counselling helplines Dental Cover Physiotherapy ,000 30,000 6,250 30,000 Up to Up to 2,500 Up to 10,000 Up to 25 per week 25 per day 25 per day Operates 24 hours a day, 365 days per year Please note: Age limit covers players up to 55 years and officials up to 75 years. Cover can be provided above these age limits but reduced benefits to those shown above will apply, as detailed in the policy schedule issued to your club secretary. Please contact the club secretary for a copy of the schedule or contact Bluefin Sport for advice. Policy terms and conditions apply. A full copy of the policy wording is available from your club secretary or at Who are Bluefin Sport? Bluefin Sport is The FAs appointed insurance broker to deliver the National Game Insurance Scheme (NGIS). Alongside other products, the provision of personal accident insurance forms a major part of the NGIS. Together with The FA, we want to encourage this additional protection for all those involved in the game. I don t think the cover provided is adequate for my needs? If you feel the club should have purchased a different level of insurance for your team then please contact your club secretary to discuss. If required your club secretary can arrange alternative levels of cover (where possible) at any time of the season by contacting Bluefin Sport. If you wish to arrange your own individual insurance protection, in addition to this policy, then please visit to obtain a quotation or contact Bluefin Sport for advice. Making a claim All claims must be submitted to Ace European Group Ltd. A Claim Form can be found on our website If you wish to submit details of your claim by post please send to: Please arrange to return the fully completed form either by Post to ACE European Group, PO Box 4511, Dunstable, LU6 9QA or claims@acegroup.com. It is important that you also notify your club secretary who will be required to sign your claim form to confirm you are a member of the club/team insured under this policy. Require assistance or advice? For more information or if you have any queries regarding the cover arranged please contact Bluefin Sport on , nationalgame@bluefingroup.co.uk or visit

10 Summary of Cover Adult Teams Football team Group Personal Accident & Life Cover This is a summary of cover and does not contain all the terms and conditions of the policy. The full terms, conditions, exclusions and limitations can be found in the policy document, a copy can be viewed at or available upon request. Please take time to make sure you understand the cover it provides. Cover is underwritten by the ACE Group of companies. Statement of demands and needs This personal accident insurance product is designed to meet the demands and needs of most amateur football clubs that wish to protect their members against the consequences of accidents whilst playing in, training for or travelling to a club fixture resulting in accidental; injury, death or disability. The level of cover you ve chosen will dictate whether cover includes a weekly benefit in addition to the one-off lump sums. This statement does not constitute advice or a personal recommendation for our personal accident insurance products. Should you require advice please contact Bluefin Sport. Signi Adult Team Cover applies to persons as defined in the schedule; Category A: Any Person who is a registered player of the Insured Category B: Any committee member of the Insured and any person acting officially on behalf of the Insured as manager, trainer or assisting referee SECTION A: Effective Time (Bene Effective Time (Bene orldwide where the Insured has agreed a fixture or official club social events or attending Football training, including travelling directly to and from such activities Benefits (All cover levels) Maximum Sum Insured 1. Life Cover 2. Accidental Death resulting from Bodily Injury 7,000 30,000

11 SECTION B: Effective Time (All Bene has agreed a fixture or official club social events or attending Football training, including travelling directly to and from such activities Accidental Bodily Injury which causes: BENEFITS Basic Cover Maximum Sum Insured Superior Cover Maximum Sum Insured 1. Permanent Total Disablement (including Permanent Partial Disablement) Up to 50,000 Up to 50, Loss of one or more limbs 30,000 30, Loss of sight in one or both eyes 30,000 30, Loss of speech 30, Loss of hearing in a) both ears b) one ear 30,000 6, Loss of internal organ 30, a) Temporary total disablement (TTD) with 14 day Deferment Period & 104 week benefit period b) Home Help (TTD Extension) Includes being a full time housewife or househusband as an occupation with 14 day excess & 104 week benefit period Broken Bones Legs, collar, arms and/or cheek Primary dislocation benefit - kneecap, shoulder, elbow or hip Coma Maximum benefit Period 365 days 50 if Basic Extra is selected Available levels include: 30, 50, 75, 100 and 150 per week* (please refer to the policy schedule for the sum insured) Available levels include: 30, 50, 75, 100 and 150 per week* (please refer to the policy schedule for the sum insured) per day Emergency Dental expenses (Pain Relief) Up to 100 Emergency Medical Expenses 500 Extra Travel expenses Maximum benefit Period 4 weeks Up to 25 per week Home /Car Adaptation and Home Relocation Expenses Up to 10,000 Hospitalisation Benefits Maximum benefit Period 30 days 25 per day Rehabilitation and retraining Up to 2,500 Services Included Helpline - Counselling Operates 24/7 Helpline Legal Advice Operates 24/7 Optional Superior Extras Broken Bone Top Up: Increase broken bones benefit from 100 to 250 Dental Injury: Up to 250 Physiotherapy cover: Up to 50% of costs up to a maximum of 25 per week for up to 6 sessions *The TTD benefit does not apply to those individuals without employment or whose sole employment is football. Cover is restricted to 25 per week for students and payable up to a maximum benefit period of 6 weeks.

12 Signi Adult Teams Full details of our exclusions can be found in the policy wording. This policy does not cover: Being a professional footballer (page 8) Suicide or deliberate self harm (page 8) Member of the armed forces (page 8) Any claim attributable either to arthritic or other degenerative conditions in joints bones, muscles, tendons or ligaments (page 8) Repetitive stress (strain) injury/syndrome (page 8) Influence of solvents, drugs or medication unless prescribed (page 8) Sickness Illness or disease with regard to Section A benefit 2, (page 4 see definition of Bodily Injury and Accidental) and all benefits and extensions covered under Section B (page 8) Naturally occurring condition or gradually operating cause (page 8) Engaging in a criminal act, riot or civil commotion (page 8) Temporary Total disablement if the Insured Person has no paid usual occupation or is engaged in their occupation for less than 16 hours per week, or if the Insured person s usual occupation is as a professional footballer (page 7) Motorcycling other than mopeds or scooters up to 50cc (page 8) Club social events that include fireworks, bonfires, driving events, bouncy castles, water sports or any activity above 3 metres off ground (page 8) Life Cover if the death was caused by Bodily Injury which resulted from an Accident (page 6 - definitions on page 4) or any Illness, injury or medical condition which the Insured Person knew about at the commencement of the Period of Insurance (page 6) Insured Persons engaging in Hazardous Activities (as defined in policy wording page 4) with regard to benefits covered under Section A (page 6) Permanent Total Disablement Is whilst you are permanently prevented from undertaking your usual occupation outside of football. If you have no occupation outside of football, it would be if you are permanently prevented from undertaking each and every occupation or profession. Age Limit Players - Up to 55 years* (some limited restricted benefits from 55 years until attainment of 75 years apply please refer to the next page for full details) Officials - Up to 75 years* (some limited restricted benefits after this age limit apply please refer to the next page for full details) *Age limit for Life cover (Section A, Benefit 1) has a minimum entry level of 6 years and maximum age limit of 50 years Duration of Policy The policy will remain in force from the date of commencement and is renewable 30 th June each year Cancellation Rights ACE may cancel this Policy by giving thirty days written notice to the Insured at their last known address and in such event the Premium for the period up to the date when the cancellation takes effect shall be calculated and ACE shall promptly return any unearned portion of the Premium paid. In the event of cancellation by ACE the Insured must notify all Insured Persons of such cancellation. The Insured Person may withdraw from the cover provided by this Policy at any time by giving notice to the Insured. No refund of Premium will be payable. The Insured may not cancel this Policy. How to Claim All claims must be submitted to ACE European Group Ltd. A Claim Form can be found on our website If you wish to submit details of your claim by post please arrange for the fully completed form to be sent to: ACE European Group PO Box 4511 Dunstable LU6 9QA or claims@acegroup.com Complaints Procedure We are dedicated to providing a high quality service and want to maintain this at all times. If it is felt that a first class service has not been offered or a complaint must be made regarding this insurance please contact: a) Bluefin Sports The Complaints Officer CI Tower St George s Square New Malden KT3 4TP Telephone: Fax: insurance.complaints@bluefingroup.co.uk b) ACE s Customer Service Manager 200 Broomielaw Glasgow G1 4RU Telephone: (Within UK only) A&Hcustserv.complaints@acegroup.com You may approach the Financial Ombudsman Service (FOS) for assistance if you are not satisfied with our final response. Contact details are given below. A leaflet explaining its procedure is available on request. Financial Ombudsman Service South Quay Plaza 183 Marsh Wall London E14 9SR.

13 Benefits applicable for persons over the age of 55 (Category A - players) and over 75 years (Category B - officials): Benefits Basic Limits: For persons older than 55 years of age but less than 75 years of age (Players only) Superior Limits: For persons older than 55 years of age but less than 75 years of age (Players only) Basic Limits: For persons older than 75 years of age (Officials only) Superior Limits: For persons older than 75 years of age (Officials only) Accidental Death 15,000 15,000 3,000 3,000 Life Cover Not Insured Not Insured Not Insured Not Insured Permanent Total Disablement* Up to 25,000 Up to 25,000 Not Insured Not Insured Loss of Sight in One or Both Eyes 15,000 15,000 3,000 3,000 Loss of One or more Limbs 15,000 15,000 3,000 3,000 Weekly Temporary Total Disablement Not Insured Not Insured Not Insured Not Insured benefit Broken Bones Not Insured 50 Not Insured Not Insured Dislocation of kneecap, elbow, shoulder or hip Not Insured 50 Not Insured Not Insured Loss of Speech Not Insured 15,000 Not Insured 3,000 Loss of Hearing both ears Not Insured 15,000 Not Insured 3,000 Loss of hearing one ear Not Insured 3,125 Not Insured 625 Loss of Internal Organ Not Insured 15,000 Not Insured 3,000 Emergency dental (pain relief) Not Insured Not Insured Not Insured Not Insured Emergency medical expenses Not Insured 250 Not Insured 50 Rehabilitation and retraining Not Insured Up to 1,250 Not Insured Up to 250 Home / car adaption expenses Not Insured Up to 5,000 Not Insured Up to 1,000 Extra travel expenses - max 4 weeks Not Insured per day Not Insured per day Coma benefit - max 365 days Not Insured per day Not Insured per day Hospitalisation benefit - max 4 weeks Not Insured per day Not Insured per day Legal advice and counselling helplines Not Included Included Not Included Included Additional notes: *For players aged 55 years to 75 years of age and officials over 75 years of age the Permanent Total Disablement benefit is only applicable if the Insured Person is in full-time employment at the time of loss and the definition of Permanent Total Disablement contained within the wording is deleted and replaced with as follows: Permanent Total Disablement Means disablement other than any Permanent Disabling Injury which has lasted for at least 12 months and which in ACE s opinion is beyond hope of recovery and will in all probability continue for the remainder of the Insured Person s life, will prevent the Insured Person from engaging in or giving attention to any occupation. Bluefin Sport is a trading name of Bluefin Insurance Services Limited which is authorised and regulated by the Financial Conduct Authority. Registered Office: 5 Old Broad Street, London, EC2N 1AD. Registered in England No:

14 About our insurance services 1. The Financial Conduct Authority (FCA) The FCA is the independent watchdog that regulates financial services. It requires us to give you this document. Use this information to decide if our services are right for you. 2. Whose products do we offer? We offer products from a range of insurers. We only offer products from a limited range of insurers. We only offer a product from ACE European Group Limited to satisfy the Personal Accident insurance requirements of the applicable clubs that are affiliated to their County Football Association. 3. What will you have to pay us for our services? A 5 fee for postal applications only No fee for arranging the ACE European Group Limited Personal Accident insurance policy on line You are entitled, at any time, to request information regarding any commission which we may have received as a result of placing your insurance business. 4. Who regulates us? Bluefin Insurance Services Limited, 5 Old Broad Street, London, EC2N 1AD is authorised and regulated by The Financial Conduct Authority. Our FCA Reference Number is Bluefin Insurance Services Limited permitted business is advising, arranging and administering (including handling claims) general insurance contracts. You can check this on the Financial Services Register on the FCA s website or by contacting the FCA on Ownership Bluefin Insurance Services Limited is an insurance intermediary ultimately controlled by AXA UK Plc through our parent, Bluefin Insurance Group Limited. 6. What to do if you have a complaint? If you wish to register a complaint, please contact us: in writing: Complaints Officer Bluefin Insurance Services Limited: CI Tower St George s Square New Malden Surrey KT3 4TP by phone: by fax: by insurance.complaints@bluefingroup.co.uk If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service. 7. Client and Insurer Money When we receive premium payment from you or premium refund from your insurer, ACE European Group Limited, ( ACE ) we hold these on behalf of ACE as determined by the Terms of Business Agreement we have in place with them. This protects you against the risk of our insolvency as the money is deemed to have been immediately received by ACE. However, ACE will not have fulfilled their obligation to pay a premium refund to you until we pay those monies to you. Equally, once we have received a premium payment from you, we shall be unable to refund that premium to you without the consent of ACE. Insurer Money and/or Client Money (that is money held on your behalf or as deemed to be Client Money by the FCA Client Money Rules) will be held in a Non- Statutory Trust Account and in accordance with such rules. A copy of these rules is available at the FCA website Under the terms of a Non-Statutory Trust, general creditors are not able to make claims on such money. We are entitled to use Client Money held on behalf of one customer to pay another customer s premium before the premium is received from that other customer and to pay premium refunds before we receive payment from the insurer. However, we are not entitled to use Client Money to take our commission payments before we receive the relevant premium payment from the customer. We may hold both Insurer and Client Money in the same bank account but when this happens insurers will have previously agreed that any claim by you on monies that are Client Money will come before their claim. Unless we receive your written instruction to the contrary, we shall treat receipt of payment from you and refund of premium which fall due to you, as being within your informed consent to the payment of those monies into a Non-statutory Trust Account. Interest earned on Client and Insurer Money held by us is retained by us. 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Further information about compensation scheme arrangements is available from the FSCS. 9. The capacity in which we are acting As an insurance intermediary we usually act as your agent and are therefore subject to the law of agency which imposes various duties on us. In the case of this personal accident insurance we act for and owe duties of care to insurers and the following table is provided to advise you when and how this arises so you will be aware of any possible conflicts of interest. Sourcing a suitable policy (when we get quotes for you) Placing the insurance ( when we arrange for cover to start) In the event of a claim We act as your agent We act as agent of the insurer We act as your agent We act as agent of the insurer We act as your agent We act as agent of the insurer Bluefin Sport is a trading name of Bluefin Insurance Services Limited which is authorised and regulated by the Financial Conduct Authority. Registered Office: 5 Old Broad Street, London, EC2N 1AD. Registered in England No: Page 1 of 1

15 Terms of business agreement - commercial customers Bluefin Insurance Services Limited Authorised and regulated by the Financial Conduct Authority No: Registered Office: 5 Old Broad Street, London, EC2N 1AD. Registered in England No: Consumer Credit Act Licence No: Data Protection Act Registration No: Z Please read this document carefully. It sets out the terms and conditions on which we agree to act for you, contains details of our responsibilities together with your responsibilities both to us, to insurers and to other third party providers. Please contact us immediately if there is anything in this document that you do not understand/or with which you disagree. Your receipt of this document constitutes your informed consent to its contents. In the interests of security, staff training and to generally improve our service please be aware that telephone calls may be monitored and/or recorded. 1. Definitions 1.1. Commercial customer means a customer who is acting within their trade or profession in respect of the insurance cover requested or arranged You or your means you (and/or your appointed agent) We or us or our means Bluefin Insurance Services Limited. 2. Who regulates us? 2.1. We are authorised and regulated by the Financial Conduct Authority (FCA) an independent body that regulates the UK financial services industry. Our details may be confirmed on the Financial Services Register or by phoning the FCA on Our service 3.1. We are committed to providing you with quality products. We will provide you with information to enable you to make your decision on which insurance is right for you. As an intermediary and your agent we owe various duties to you and will advise you as necessary if circumstances occur that may create a possible conflict of interest Our permitted business activities are advising, arranging (bringing about) deals, making arrangements with a view to transactions, dealing as agent, assisting in the administration and performance of a contract and agreeing to carry on a regulated activity in respect of General Insurance contracts Unless we have informed you to the contrary in writing we will not assess your specific insurance needs and make a personal recommendation but will provide you with information from to enable you to make a decision on whether our products meet your needs 3.4. Upon receipt of your instructions we will place, amend or renew insurance cover on your behalf with insurers. We will inform you of any inability to place your insurance You are not to rely on any insurance policy you have instructed us to place on cover until we have confirmed in writing to you that the insurer has agreed to such insurance cover being in place. Please note that you must comply with the terms and conditions of the insurance policy you purchase including any matters where the insurer makes cover subject to your compliance with conditions or with express or implied warranties. Failure to comply may entitle the insurer to cancel your insurance contract and/or risks a claim you make not being paid in part or in full. (Also see Clause 14. Claims) Please also note, unless your policy confirms otherwise, the rights under your policy may only be pursued in an English court. 4. Our remuneration and other income 4.1. We are usually remunerated by commission from your insurer(s) for our insurance broking services, or by way of a fee negotiated and agreed with you. If we receive both, this will be confirmed in writing to you at the time of incepting or renewing your insurance. In addition: We may also make individual charges up to 100 to cover the administration of your insurances e.g. arranging a new policy, midterm adjustments, short period or mid-term cancellations, renewals, issue of replacement or duplicate documents. We may also make individual charges where we prepare and issue documents on behalf of insurers, these will be confirmed in writing to you at the time of incepting or renewing your insurance where applicable Some insurers may make additional payments to us reflecting the size and/or profitability of our account with them and/or in respect of work we undertake on their behalf. In addition we may also receive payment from other firms, such as premium finance providers, where non-insurance products or services are supplied to you Our remuneration in whatever form and in respect of any policy shall be due on the date of inception or renewal of that policy. We shall be entitled to retain all commission and/or agreed fees in respect of the full policy period including where you appoint another intermediary in our place during the currency of a policy or where a policy is cancelled after inception or renewal. (Also see Clause 13. Short period and cancelled policies) You are entitled, at any time, to request information regarding any commission which we may have received as a result of placing your insurance business. 5. If domiciled in a country other than the UK 5.1. The law or regulations in your country of domicile may take precedence over any relevant UK legislation. Therefore references in this document to the FCA or Financial Ombudsman Service or Financial Services Compensation Scheme and any rights or benefits thereunder may not apply. If you wish to clarify your position in this respect then we will discuss this on request. Page 1 of 4 Commercial NonAdvisedTOBAv

16 6. Duty of disclosure 6.1. It is your responsibility to provide complete and accurate information to insurers and us prior to and when you purchase an insurance policy, throughout the life of the policy and when you renew that policy. Failure on your part to immediately disclose information relevant to your insurance or any inaccuracies in the information given could result in your insurance cover being invalid or not fully operative All statements and material facts disclosed on proposal forms, statements of fact, claims forms and other documents should be full, true and accurate. Material facts are those that would influence an insurer in deciding whether or not to accept a risk and the terms and conditions that would apply. Where forms are completed or partially completed on your behalf, you should check them for accuracy before signing. If you are in any doubt as to whether a fact is relevant, you should disclose it and then ask for guidance. 7. Notification of changes, alterations and renewals 7.1. Amendments to policies may be arranged upon receipt of full details and on return of the certificate of insurance (if applicable). Cover is subject to acceptance by insurers and payment of any additional premium required inclusive of Insurance Premium Tax (IPT) Renewals are invited on the basis that there have been no changes in the risk other than those specifically notified to us or your insurers. 8. Insurer security 8.1 We will only place cover with insurers who satisfy certain minimum criteria assessed by the rating agencies and/or our own assessment, or for whom you have given us specific approval to use. Whilst the information upon which we rely is obtained from sources considered to be reliable, and we use all reasonable endeavours to review that information in order to protect your interests, predictability of solvency cannot be, and is not, guaranteed by us. The financial standing of any insurer can, of course, change after the insurance contract had incepted. We do not guarantee the ongoing ability of any insurer to meet their contractual obligations. 9. Quotations 9.1. Quotations are valid until the date cover commences up to a maximum of 30 days, unless otherwise stated. Specimen policy wordings are available upon request. 10. Documentation 10.1.It is your responsibility to read all documentation upon receipt and raise any query regarding it otherwise you risk a loss you suffer not being paid in part or in full. Documentation including your policy and certificate, if applicable, will be issued to you upon receipt from insurers You must check all documentation issued to you to ensure the details are correct and the insurance cover provided meets your requirements. We will arrange insurance cover according to your instructions but only you can identify if it does not meet your intentions. If you have any concerns in respect of your insurance cover or are uncertain as to the meaning of any terms and conditions or if you discover errors in the documentation, then you must notify us immediately. 11. Payment of the premium 11.1 We must receive your payment, unless it is made by you directly to your insurer, by cheque, credit or debit card, electronic funds transfer or be in receipt of a completed premium instalment application form (with deposit where requested) drawn on a bank, building society or other UK financial institution account in the policyholder s name and before cover commences unless we agree otherwise. A charge may apply to payments made by credit card and this will be confirmed to you in writing at the time of incepting or renewing your insurance. If we agree to accept payment from someone other than the policyholder then this must be notified to us and agreed by us We have no obligation to fund any premium, taxes or fees (if applicable) on your behalf nor do we have any responsibility for any loss you may suffer as a result of cancellation of insurance cover or any other prejudicial steps taken as a result of late payment substantially attributable to you. If we decide to retain certain documents whilst awaiting payment, we shall provide details of your insurance cover and any information or documents required by law We shall be entitled (but not obliged) without providing notice to you to set off any amounts due to us from you, against any amounts which we may receive on your behalf (i.e. claims moneys, refunded premiums and other sums). Please be aware that full or partial nonpayment of a premium or default on a credit agreement may result in the cancellation or lapsing of your policy. 12. Transferred business When we are appointed to service insurance policies other than at their inception or renewal and which were originally arranged via another party, we shall not be liable during the current insurance period for any loss arising from any errors or omissions or gaps in your insurance cover.. Should you have any concerns in respect of a policy, which has been transferred to us, or if you require an immediate review of your insurance arrangements, you must notify us immediately. 13. Short period and cancelled policies If you wish to cancel your policy then you will need to return the policy document and current certificate of insurance (if applicable) and confirm your cancellation instructions. Subject to the cancellation terms of your policy, a refund of premium may be available. Details of any applicable cancellation terms and charges will be found in your policy documents. Our commission and/or fees are fully earned from the date insurance cover commences and may not be refundable in the event of cancellation, avoidance or early termination of a policy. 14. Claims 14.1 We will assist you with information when you make a claim under your policy but it remains your responsibility to have read, understood or queried all documentation upon receipt. All incidents that could possibly give rise to a claim must be notified to us or your insurer in accordance with the terms of your policy and a claim form completed where required. Delay on your part in notifying a claim and/or completing required forms may risk a loss you suffer not being paid in part or in full You must not under any circumstance admit liability for a loss or agree to any course of action, other than emergency measures carried out to minimise the loss, as you will risk your claim not being met in part or in full. All correspondence, claims, writs, summonses etc. should be forwarded immediately, unanswered, either to us or to your insurer. You are also reminded of your duty to keep all losses and costs arising from an incident to a minimum and that failure to comply with policy terms and conditions may invalidate cover We will remit claim payments received on your behalf, to you as soon as practicable after confirmation of receipt of cleared funds in our bank account. In the event that an insurer becomes insolvent or delays making settlement, we do not accept liability for any unpaid amounts. Page 2 of 4 Commercial NonAdvisedTOBAv

17 14.4 Where we have a delegated authority from an insurer to settle your claim on their behalf we shall make you aware of this on notification of the claim and obtain your informed consent to proceed We will provide a claims handling service for you as long as you remain our customer. We reserve the right to charge a fee for our claims services if you cease to be a client but still wish us to handle any claim, and we are prepared to do so. If you wish us to provide claims services on policies issued before our appointment, we also reserve the right to charge you a fee. 15. Client and insurer money The FCA requires us to hold all client monies, including yours, in a trust account, the purpose of which is to protect you in the event of our financial failure since, in such circumstances; our general creditors would not be able to make claims on client money as it will not form part of our assets We hold all client monies in a Non Statutory Trust bank account in accordance with the FCA client money rules. Under these arrangements, we assume responsibility for such monies and are permitted to, and may: Use such monies received on behalf of one customer to pay another customer s premium, before the premium is received from that other customer. However, we are not entitled to pay ourselves commissions before we receive the relevant premium from the customer; For the purpose of effecting a transaction on your behalf, pass your money to another intermediary, including those resident outside the UK who would therefore be subject to different legal and regulatory regimes. In the event of a failure of the intermediary, this money may be treated in a different manner from that which would apply if the money were held by an intermediary in the UK. Please inform us if you do not agree to this Retain for our own use, any interest earned on client money Your money will be held either as agent of the insurer or agent of the client, depending on which insurer(s) your insurance has been placed with. Where money is held as agent of the insurer, this means that when we have received your cleared premium, it is deemed to have been paid to the insurer Unless we receive your written instruction to the contrary, we shall treat receipt of payment from you and of any claim payment and/or refund of premium which fall due to you, as being with your informed consent to the payment of those moneys into our Non Statutory Trust bank account. 16. Our liability to you Unless we have otherwise agreed with you in writing, we shall treat your instructions to us to place or renew your insurance cover as acceptance of the limitation of our liability to you and to any other person with an interest in your insurance cover, as follows; Except in respect of any claim: - resulting from our fraudulent act; or resulting from a breach by us of the FCA's rules or Principles of Business; or in relation to any liability for death or personal injury resulting from our negligence; or in relation to any other liability which cannot lawfully be excluded or limited our liability to you (whether in contract, tort (including, without limitation, negligence) or otherwise) shall be limited to 10,000,000 in respect of any and all insurance mediation activities undertaken by us on your behalf over any 12-month period This Agreement contains all obligations owed by us to you. Our liability shall be strictly limited to direct liability in contract. We expressly exclude any liability for indirect or consequential loss howsoever arising and any and all liability in tort save in relation to liability for our negligent acts causing personal injury or death or other liability expressly reserved by statute. 17. Ownership and control We are an independently authorised firm ultimately controlled by AXA UK Plc through our parent, Bluefin Insurance Group Limited. 18. Confidentiality and security We will ensure that any information obtained from you is treated as private and confidential by us. These Terms of Business assume that any information you supply to us on behalf of a third party is done so with their permission We will not take instructions on your insurance arrangements from anyone else unless we have your prior written permission. We will also not provide information you supply to anyone else unless we have your prior written permission to do so or are required by a regulatory body, by law or are required to do so in the normal course of arranging your insurance or in connection with claims matters or other services we may provide to you We may from time-to-time, provide you with marketing information on other products we supply and/or pass your contact details to other suppliers of products or services of whom we approve. Please notify us promptly in writing if you do not wish your details to be used for any of these purposes otherwise we shall treat issue of this Terms of Business as evidence of your informed consent We take appropriate steps to ensure the security of any money, documents, other property or information handled or held on your behalf. It is our policy to retain records for insurance cover effected on your behalf for a minimum of 3 years after expiry and otherwise as required by regulation or law All information in any form, with the exception of policy documents and certificates issued on behalf of insurers, supplied by us to you must be treated as strictly private and confidential and not be released directly or indirectly to any other party, without our explicit, written consent. 19. Termination of our authority to act on your behalf You or we may terminate our authority to act on your behalf by providing at least 14 days notice in writing (or such other period we agree). Termination is without prejudice to any transactions already initiated by you, which will be completed according to these Terms of Business unless we agree otherwise in writing You will remain liable to pay for any transactions or adjustments effective prior to termination and we shall be entitled to retain any and all commission and/or fees payable in relation to insurance cover placed by us prior to the date of written termination of our authority to act on your behalf. Page 3 of 4 Commercial NonAdvisedTOBAv

18 20. Severability If any provision of these Terms of Business is found to be invalid or unenforceable in whole or in part, the validity of the other provisions of these Terms of Business and the remainder of the provision in question will not be affected. 21. Assignment We are entitled to assign these Terms of Business to any other company within the group of companies of which we are part but then only for so long as such company remains a member of such group We are entitled to transfer client monies to an identical bank account held in the name of any other company within the group of companies of which we are a part but then only for so long as such company remains a member of such group 22. Law and jurisdiction These Terms of Business which form our agreement with you shall be governed by and construed in accordance with the laws of England and the exclusive jurisdiction of the English courts unless we agree with you otherwise. 23. Rights of Third Parties Unless otherwise agreed between us in writing no provision of this Terms of Business is enforceable under the Contracts (Rights of Third parties) Act 1999 by any person other than you or us. 24. Insurer credit searches Insurers may ask credit reference agencies to provide a credit scoring computation. Credit scoring uses a number of factors to calculate the risks involved in any application. A score is given to each factor and a total score obtained. Where automatic credit scoring computations are used by the insurer, acceptance or rejection of your application will not solely depend on the results of the credit scoring process To ensure you receive the most competitive offer from insurers, now or at any time and to protect customers from fraud and verify customers identity, insurers may use publicly available data which they obtain from a variety of sources, including credit reference agencies and other external organisations. Their search will appear on your credit report whether or not your application proceeds. 25. Premium finance credit searches When applying for a loan to facilitate payment of your premium by instalment facilities, your application for credit will be passed to the credit provider who in assessing your application may search public information held by a credit reference agency about you. The credit reference agency will add details of the search and your application to their record about you whether or not your application proceeds. 26. Bribery and corruption We have no tolerance for bribery and corruption and this policy extends throughout the company for all of its dealings and transactions in all countries in which we operate. Our anti bribery policy is updated in line with the changes in law, changes in our business and our reputational demands. All employees are required to comply with this policy Both parties agree to comply fully with the requirements of the Bribery Act 2010, and will not engage in any of the following activity: promising or giving of an advantage, financial or otherwise, to another person to bring about an improper performance or to reward such improper performance requesting, agreeing to receive or accepting of an advantage, financial or otherwise to act improperly bribe a foreign public official to do or reward them for doing, something improper Additionally, where applicable, a firm will prevent bribery being committed on its behalf by its employees and third parties. 27. Sanctions Both parties shall pay due regard to, and co-operate in respect of the observance of, any applicable international economic, financial or trade sanctions legislation. 28. Complaints While we will always endeavour to provide you with a high level of customer service if you feel dissatisfied with the service you have received you should, in the first instance, contact the office you usually deal with to register your complaint. Or, alternatively you may refer the matter to insurance.complaints@bluefingroup.co.uk post: Complaints Officer Bluefin Insurance Services Limited 4-6 Ripon Road Harrogate HG1 2HH Tel: We need you to help us by summarising the problem, policies affected and the resolution you expect. Please ensure whenever possible that you quote your customer reference number together with the identity of our member of staff and office address We will endeavour to rectify the problem immediately but if we are unable to do so your complaint will be dealt with in accordance with our formal Complaints Procedure, a copy of which will be provided to you If you remain dissatisfied you may be an eligible complainant within the rules of the Financial Ombudsman Service (FOS). Their jurisdiction broadly covers those that employ less than 10 persons and whose turnover or annual balance sheet is less than 2 million Euros, and charities or trusts whose turnover or net assets respectively are less than 1m. Should you remain dissatisfied with our final decision or more than 8 weeks have passed since receipt of your complaint then if you wish, you may contact the FOS, details of which can be found at Full details will be supplied in our Complaints Procedure. 29. Compensation We are covered by the Financial Services Compensation Scheme (FSCS) and you may be entitled to compensation from the FSCS if we cannot meet our obligations. Full details and further information on the scheme are available at Page 4 of 4 Commercial NonAdvisedTOBAv

19 Football team Group Personal Accident & Life Cover Policy wording Underwritten by

20 Contents Introduction 3 Important Contact Numbers 3 Policy Definitions 4 What This Policy Covers 6 SECTION A: Life & Accidental Death Cover 6 Specific Exclusions applicable to SECTION A 6 SECTION B: Injury 6 Specific Exclusions applicable to SECTION A 6 SECTION B (Injury): Extensions of Cover 6 General Exclusions 8 Policy Conditions 9 Making a Claim 11 Complaints Procedures 11 Data Protection 12 Financial Services Compensation Scheme 12 2

21 Introduction Please take time to read all parts of the Policy to make sure they meet your needs and that you understand the terms, conditions and exclusions. If you wish to change anything or if there is anything you do not understand, please let Bluefin Sport know, or speak to your local ACE contact. The parts of this Policy are; Introduction and the Insurance Agreement Policy Definitions What the Policy covers and What the Policy does not cover Policy Conditions Claims information Complaints procedures and regulatory information Policy Schedule Please keep this Policy in a safe place. You may need to refer to it if you make a claim. Patrick Drinnan Chairman and Chief Executive Officer ACE Europe Life Limited Insurance Agreement and The Insured and ACE Europe Life Limited and ACE European Group Limited (ACE) agree that: The Insured will pay the Premium. ACE will subject to the terms, conditions and exclusions of this Policy, provide the Insurance in the manner and to the extent set out in this Policy. The Insured acknowledges that ACE has offered this Policy and calculated the premium using the information which the Insured has provided, and that any change to the responses provided by the Insured may result in a change in the terms and conditions of the Policy and/or a change in the premium. Andrew Kendrick Chairman and CEO ACE European Group Limited This Policy, the Policy Schedule(s) and endorsements, if any, shall be read together as one contract and any word or expression to which specific meaning has been attached shall unless the context otherwise requires bear such meaning wherever it may appear. Law Applicable to Contract This Policy shall be governed by and construed in accordance with the Law of England and Wales and the English Courts alone shall have jurisdiction in any dispute. The language of this Policy and all communications relating to it shall be in the English language. Important Contact Details: The National Game dedicated Claims line Telephone: Claims@acegroup.com Financial Ombudsman Telephone: enquiries@financial-ombudsman.org.uk web: Financial Services Compensation Scheme Telephone: or web: 3

22 Policy Definitions Whenever the following words or phrases appear bold, they will have the meanings as described below means United Kingdom pounds sterling. ACE means ACE Europe Life Limited with regard to Section A benefit 1, and ACE European Group Limited with regard to Section A benefit 2 and all benefits covered under Section B. Accident & Accidental Means a single, sudden, unusual, and unexpected event, which occurs at an identifiable time and place during the Period of Insurance and which causes Bodily Injury Air Sports Means any aerial pursuits or sports including but not limited to the following: Gliding Hang-gliding Micro-lighting Parachuting Ballooning Bungee-jumping Paragliding Parascending Aggregate Limit means the maximum amount that ACE will pay per Event in total under this and any other policies issued by ACE to the Insured. Annual Salary means the gross salary or wages payable per annum (excluding bonus payments or overtime) to the Insured Person as remuneration for services provided immediately preceding the date of occurrence of the Accident giving rise to Bodily Injury. Benefit Period means the maximum (but not necessarily consecutive) period for which benefits are payable in respect of any Insured Person for any one Accident. The Benefit Period commences at the end of the Deferment Period, if any. Bodily Injury means injury which is caused solely by Accidental means and which independently of Illness or any other cause, occurs within 12 months from the date of the Accident. Benefit Amount The maximum amount ACE can pay based on the level of cover the Insured Person has at the time of the Accident or at the time of death if the death was not due to Bodily Injury caused by an Accident as shown in the Policy Schedule. Accidental Death means death caused by Bodily Injury and excludes Death caused by any other cause Death from Natural Causes means the death of the Insured Person arising directly as a result of natural causes, the symptoms of which first manifests themselves during the Effective Time and from which death occurs within 30 days of such symptoms manifesting themselves. Deferment Period means a period at the beginning of a period of Temporary Total Disablement during which benefits are not payable. Effective Time means the time, during a Period of Insurance, when an Insured Person is covered as detailed in the Schedule. Event means each and every individual loss or series of losses arising out of one event or one catastrophic Accident during any one period of 72 hours which results in Bodily Injury, dismemberment, disability or death of Insured Persons Hazardous Activities Means the following activities: Air Sports or Winter Sports Sub aqua diving more than 20m Climbing or mountaineering where the use of ropes or guides would be reasonably expected Potholing Professional sports; or Racing, unless this is on foot Hospital means any establishment which is registered or licensed as a medical or surgical hospital in the country in which it is located and where the Insured Person is under the constant supervision of a Qualified Medical Practitioner. Hospital Confinement means any continuous period of 24 hours or more during which time the Insured Person has been confined to Hospital. Illness means any illness, disease, malady, medical complaint, congenital defect or medical condition Insured means the Insured named and shown in the Schedule. Insured Person means any person or category of persons described under this heading in the Schedule. Loss of Hearing Means to be deemed to have occurred: a) in both ears means total and irrecoverable deafness in both ears confirmed by audiometer and sound threshold tests b) in one ear means total and irrecoverable deafness in one ear confirmed by audiometer and sound threshold tests Loss of Internal Organ means total and permanent: a) loss by removal: or b) effective loss of use of one lung or one kidney, the spleen or the liver. Loss of Limb means in respect of: a) an arm amputation or complete and permanent loss of use - at or above the wrist; b) a leg amputation or complete and permanent loss of use - at or above the ankle (talo-tibial joint). Loss of Sight means to be deemed to have occurred: a) in both eyes when the Insured Person s name has been added to the register of Blind Persons maintained by the 4

23 government on the authority of a qualified ophthalmic specialist; or b) in one eye when the degree of sight remaining after correction is 3/60 or less on the Snellen Scale (which means the Insured Person is only able to see at 3 feet that which they should normally be able to see at 60 feet) and ACE is satisfied that the condition is permanent and without expectation of recovery. Loss of Speech means total and permanent loss of speech. Maximum Limit means the maximum amount shown in the Schedule payable for any Insured Person for all Bodily Injury arising from any one Accident. Nuclear, Chemical or Biological Weapons or Agents means the use of any nuclear weapon or device or the emission, discharge, dispersal, release or escape of any solid, liquid or gaseous Chemical Agent and/or Biological Agent. Paraplegia shall mean complete paralysis of the lower half of the body including both legs which results in Permanent Total Disablement. Period of Insurance means the period between and inclusive of the dates shown from: and to: in the Policy Schedule commencing at hours on the earliest date shown and expiring at midnight on the latest date shown. Both dates refer to local standard time at the address of the Insured as shown in the Policy Schedule. Permanent Disabling Injury means Loss of Sight, Loss of Hearing, Loss of Speech, Loss of Internal Organ or Loss of Limb. Permanent Total Disablement means disablement other than any Permanent Disabling Injury which has lasted for at least 12 months and which in ACE s opinion is beyond hope of recovery and will in all probability continue for the remainder of the Insured Person s life, will prevent the Insured Person from engaging in or giving attention to: a) their Usual Occupation if in gainful employment; b) business profession or occupation of any and every kind if the Insured Person: i) is not in gainful employment ii) is employed solely as a footballer iii) has football as their main employment; c) business schooling profession or occupation of any and every kind if the Insured Person is under 16 years of age or under 18 years of age and in full time education for the remainder of their life. Premium means the amount specified or referred to in the Policy Schedule in respect of the specified Period of Insurance which is payable by the Insured to ACE. Primary Dislocation shall mean the first time an Insured Person has suffered a dislocation of specified joints Quadriplegia shall mean complete paralysis of all four limbs. which results in Permanent Total Disablement. Qualified Medical Practitioner means a doctor or specialist who is registered or licensed to practise medicine under the laws of the country in which they practise other than: a. an Insured Person b. a relative or partner of an Insured Person Student means an Insured Person who is in full time education and enrolled or attends classes at a school, college, or university. Temporary Total Disablement means temporary disablement which entirely prevents the Insured Person from engaging in their Usual Occupation. Terrorism means 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 government(s), committed for political, religious, ideological or ethnic purposes or reasons including the intention to influence any government and/or to put the public, or any section of the public, in fear. United Kingdom means England, Scotland, Wales and Northern Ireland (excluding the Isle of Man and the Channel Islands). Usual Occupation The tasks, duties and other functions, which the Insured Person normally performs in connection with their occupation for which they are engaged in 16 hours or more per week. War means armed conflict between nations, invasion, act of foreign enemy, hostilities (whether war declared or not), civil war, rebellion, revolution, insurrection or military or usurped power. Weekly Wage means the average of the gross weekly amount (or in the case of salaried employees 1/52nd of the Annual Salary) payable to the Insured Person as a wage or salary for services provided as set out in the Insured Person s contract of employment, (excluding bonus and overtime payments) in the thirteen weeks immediately preceding the date of commencement of the period of Temporary Total Disablement. Working Day means each complete day of Temporary Total Disablement during which, had it not been for the disablement, the Insured Person would normally have been working or engaging fully in their Usual Occupation. Winter Sports Means any winter pursuits or sports including, but not limited to, the following: skiing outside the area of the normal compacted snow ski slope i.e. off-piste ; tobogganing snow boarding ice skating Ski or ski bob racing Mono skiing Ski jumping ski boarding Ice hockey; or the use of bobsleighs or skeletons 5

24 What this Policy covers SECTION A - Life & Accidental Death 1. Life If during the Effective Time an Insured Person Person suffers Death from Natural Causes ACE will pay the amount shown in the Schedule. 2. Accidental Death If during the Effective Time, an Insured Person has an Accident and suffers Bodily Injury which results in death, ACE will pay the amount shown in the Schedule. If an Insured Person disappears and, after a suitable period of time, it is reasonable for the Police or registration authorities to believe that they have died, ACE will pay the amount shown in the schedule. But before ACE do this, the Personal Representative responsible for their estate must sign an agreement to refund the Benefit Amount if the Insured Person is found to be alive. Specific exclusions that apply to SECTION A of the policy ACE will not pay any claim arising out of, contributed to by, or consequent upon; 1. any Illness, injury or medical condition which the Insured Person knew about at the commencement of the Period of Insurance 2. the Insured Person Participating in or training for Hazardous Activities 3. Not following the advice of a Qualified Medical Practitioner SECTION B - Injury If an Accident occurs during the Period of Insurance and Effective Time that causes Bodily Injury to an Insured Person which results in: Permanent Total Disablement Permanent Disabling Injury Temporary Total Disablement ACE will pay the Insured Person the amounts shown in the Schedule if shown as insured Extensions of Cover (SECTION B) Applicable to both Adult and Youth Teams This describes a number of additional benefits which are provided as an extension of cover for Insured Persons when shown as insured in the Schedule. Emergency Medical Expenses/Emergency First Aid Expenses If an Accident occurs during the Period of Insurance and Effective Time and causes Bodily Injury to an Insured Person and directly as a result of, the Insured Person incurs any additional reasonable emergency medical expenses for immediate and urgent treatment; ACE will reimburse the Insured Person up to the amount shown in the policy schedule. Rehabilitation and Retraining Expenses Where Bodily Injury results in the Permanent Total Disablement benefit becoming payable for an Insured Person, ACE will indemnify the Insured Person up to 2,500 for reasonable costs incurred to rehabilitate and/or retrain the Insured Person for an alternative occupation, subject to ACE s prior written approval being obtained. Home/Car Modification benefit Where Bodily Injury results in Quadriplegia or Paraplegia, and the benefit for Permanent Total Disablement becomes payable, ACE will also indemnify the Insured Person for expenses incurred, up to the amount shown in the policy schedule, for adapting the Insured Person s home or Car and/or for relocating the Insured Person to another home to cater for the practical changes involved in living with the disablement. Legal Advice and Counselling During the Period of Insurance the Insured Person may call ACE Assistance on quoting, 72718, to obtain personal legal advice or access Counselling over the telephone. The legal advice may include but is not limited to: a) Advice where injury has been caused by the negligence of a third party. b) Advice on employment issues including redundancy, bullying, harassment, unfair discrimination and retirement. The Counselling advice may include but is not limited to: a) Identifying and managing stress and stressful situations. b) Crisis counselling. c) Debt counselling. d) Addiction counselling. e) Advice on the practical and emotional aspects of living with a long-term injury or disablement. f) Following death, support and help for the bereaved family and colleagues to cope with the trauma of their loss. g) Support in dealing with the psychological impact of not being able to continue in employment due to injury and advice about finding more suitable employment. h) Providing information and details of organisations which provide face-to-face counselling. Broken Bones Benefit If an Accident occurs during the Period of Insurance and Effective Time that causes Bodily Injury to an Insured Person and directly as a result, the Insured Person fractures one or more of the bones listed below: i) Leg (Femur, Tibia, Fibula), Ankle (Tarsals) or Kneecap (Patella) ii) Arm (Humerus, Radius, Ulna) or Wrist (Carpals) iii) Cheek Bone (Maxilla) iv) Collar Bone v) Finger or Toe ACE will pay the Insured Person up to the amount shown in the policy schedule Coma Benefit Where Bodily Injury results in Coma, Insurers will pay the Insured Person the amount shown in the schedule for each day the Insured Person remains in a Coma up to 365 days. Emergency Dental Pain Relief Expenses ACE will pay up to 100, if during the Period of Insurance and Effective Time, external oral impact results in damage to the Insured Person s teeth which necessitates immediate emergency pain relief. This extension does not cover any other procedure other than the relief of pain. 6

25 Hospitalisation Benefit If during the Period of Insurance, an Accident occurs during the Effective Time shown in the Schedule and the Insured Person sustains Bodily Injury which, independently of Illness or any other cause, results in their Hospital Confinement, within twelve calendar months from the date of the Accident, ACE will pay the Insured Person the amount shown on the policy schedule for each complete twenty-four hour period of such Hospital Confinement up to a maximum of 30 days. Dental Injury If an Accident occurs during the Period of Insurance and Effective Time and causes Bodily Injury to an Insured Person and directly results in the loss of permanent natural teeth, ACE will pay up to 250 in total for all teeth lost or partially lost. Claims for partial loss of tooth or teeth shall be calculated by assessing the percentage of tooth lost in relation to the maximum benefit payable. This cover does not apply to deciduous (milk) teeth, dental implants, crowns, veneers, dentures, bridges or intra orally wear and tear of teeth. Physiotherapy Cover If an Accident occurs during the Period of Insurance and Effective Time and causes Bodily Injury to an Insured Person that directly results in a valid: 1. Temporary Total Disablement claim or 2. Broken Bones claim under this Policy, ACE will pay the Insured Person 50% of the costs for each session of necessary physiotherapy incurred within 12 months of Bodily Injury, up to a maximum of 25 per visit, for total of 6 sessions provided that he Insured Person has a written referral from their General Practitioner for physiotherapy arising from such Bodily Injury. This cover does not apply if treatment has been received by the NHS or claimed for under a current private medical insurance or any other insurance policy. Extensions of Cover (SECTION B) Applicable to Adult Teams only This describes a number of additional benefits which are provided as an extension of cover for Insured Persons insured under the Adult Team cover when shown as insured in the Schedule. Home Help Temporary Total Disablement cover includes Insured Persons whose occupations are as full time house wives or house husbands. In the event of such a claim, ACE will indemnify the Insured Person up to the benefit stated in the Schedule for additional costs incurred (excluding costs charged by member of the Insured Person's family) in respect of household duties that the Insured Person is unable to perform due to Temporary Total Disablement. To validate such a claim the Insured Person must provide invoices or receipts as evidence of costs incurred for services that the Insured Person was unable to undertake. Medical certificates will also be required to confirm that the Insured Person is unable to carry out 100% of their usual duties. This benefit will not be payable to any Insured Person who receives any form of income or benefit, including state benefits. Primary Dislocation Benefit If an Accident occurs during the Period of Insurance and Effective Time that causes Bodily Injury to an Insured Person and directly as a result, the Insured Person suffers a Primary Dislocation which needs to be reduced by a Qualified Medical Practitioner of the following joints; i) Kneecap ii) Elbow iii) Hip iv) Shoulder ACE will pay the Insured Person up to the amount shown in the schedule Extra Travel Expenses If an Accident occurs during the Period of Insurance and Effective Time and causes Bodily Injury to an Insured Person and directly as a result of, the Insured Person incurs any additional reasonable travel expenses, ACE will pay the Insured Person for any additional reasonable travel expenses incurred up to an amount of 25 per week for a maximum period of 4 weeks in addition to any other benefit payable to the Insured Person. Extensions of Cover (SECTION B) Applicable to Youth Teams only This describes a number of additional benefits which are provided as an extension of cover for Insured Persons insured under the Youth Team cover when shown as insured in the Schedule. Parent/Legal Guardian Inconvenience Expenses benefit If an Accident occurs during the Period of Insurance and Effective Time that causes Bodily Injury to an Insured Person and directly as a result, the Insured Person s parent or legal guardian incurs unforeseen additional reasonable travel expenses, ACE will pay the Insured Person for any additional reasonable travel expenses up to an amount of 100. Student Tutorial Benefit Where Bodily Injury results in Temporary Total Disablement, ACE will pay up to the amount shown in the Schedule for expenses which relate to providing a home tutor or necessary additional expenses required to attend school where the Insured Person is a Student. To validate such a claim the Insured Person must provide invoices or receipts as evidence of costs incurred for addition expenses that the Insured Person has incurred as a result of the Bodily Injury. Medical certificates will also be required to confirm that the Insured Person is unable to undertake their usual duties as a Student. Temporary Total Disablement Benefit (applicable for year olds in paid Employment only) If an Accident occurs during the Period of Insurance and Effective Time that causes Bodily Injury to an Insured Person which results in Temporary Total Disablement, ACE will pay the Insured Person the amount shown in the schedule provided that the amount paid does not exceed 100% of the Insured Person s Weekly Wage. Specific exclusions that apply to SECTION B of the policy ACE will not pay any claim arising out of, contributed to by, or consequent upon: 1. Temporary Total Disablement if the Insured Person has no 7

26 Usual Occupation or if the Insured Person s Usual Occupation is a professional footballer; 2. post traumatic stress disorder or related syndromes or any psychological or psychiatric condition; 3. Nervous, emotional, mental or personality disorders; 4. any Illness howsoever arising; 5. Permanent Total Disablement, Permanent Disabling Injury or Temporary Total Disablement attributable to arthritic or other degenerative conditions in the joints, bones, muscles, tendons or ligaments; 6. repetitive stress (strain) injury or syndrome or any other condition or injury which develops over a period of time;. General Exclusions This Part of the policy provides Exclusions that relate to both Sections A and B of the policy ACE will not pay any claim arising out of, contributed to by, or consequent upon; 1. War or any act of War; 2. suicide, attempted suicide or deliberate self-inflicted injury by the Insured Person regardless of the state of their mental health; 3. the Insured Person engaging in any form of air travel, unless travelling as a fare-paying passenger in an aircraft which is provided and operated by an airline or air charter company which must be licensed for this; 4. alcoholism or solvent abuse, or drugs ingested except for drugs which are properly prescribed and not taken for the treatment of drug addiction; 5. the Insured Person driving with an alcohol level in the blood which exceeds the legal limit of the country in which the Insured Person is driving; 6. Human Immunodeficiency Virus (HIV) or other forms of the virus, Acquired Immune Deficiency Syndrome (AIDS) and AIDS Related Complex (ARC) other than if contracted as a result of a blood transfusion given by a Qualified Medical Practitioner; 7. ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel including the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof; 8. Being a professional footballer; 9. the Insured Person committing a criminal act or taking part or whilst engaged in a civil commotions or riots of any kind; 10. travel to Afghanistan, Iraq, Ivory Coast, Somalia, Nigeria, Pakistan, Venezuela, Columbia, Mexico, Yemen or Chechnya; 11. motor cycling other than in respect of mopeds or scooters up to 50cc; 12. club social events that include fireworks, bonfires, driving events, bouncy castles, water sports or any activity above 3 metres off the ground; 13. the Insured Person being a full time member of the armed forces of any nation or international authority or a member of any reserve forces called out for permanent service; 14. any claim in excess of: i) the Aggregate Limits; ii) the Maximum Limit per Insured Person; as shown in the Schedule. 8

27 Policy Conditions Benefit Limits 1. ACE will not pay more than the Maximum Limit for benefits 1 and 2 under section A of the policy and benefits 1 to 7 under Section B of the policy or any other sum insured as shown in the Schedule for any Insured Person. 2. ACE will not pay more than one of Benefit 1 and 2 under Section A of the policy shown in the Schedule in respect of any one Insured Person for death however so arising. 3. ACE will not pay more than one of Benefit 2, section A and Benefits 1 to 6 under section B of the policy shown in the Schedule in respect of any one Insured Person for Bodily Injury arising from the same loss. 4. The Maximum Limit payable in respect of Accidental Death of an Insured Person under 16 years of age or under 18 years of age and in full time education shall not exceed 10,000 or any other sum insured as shown in the Schedule whichever is the lower. 5. The Maximum Limit for a weekly benefit payable for Temporary Total Disablement will not exceed 100% of the Insured Person s normal Weekly Wage. It is the duty of the Insured or Insured Person to inform ACE if any claim payment does exceed these limits. Payment will be proportionately reduced until these limits are not exceeded. 6. Payment by ACE to the Insured Person of any weekly benefit does not prejudice the Insured s or Insured Person s entitlement to any other benefit but payment of weekly benefits will cease if ACE pays any of benefits 1 or 2 under Section A or benefits 1 to 6 under Section B as shown in the Schedule and ACE will not be liable to pay any further benefits in respect of the same Insured Person for the same loss. 7. Where a period of Temporary Total Disablement, or part thereof, is less than a complete week the amount payable for each Working Day shall be pro rata of the Insured Person s Weekly Wage. 8. ACE will not pay more than one of benefit 7 as shown in the Schedule in respect of any one Insured Person for the same loss. 9. ACE will not pay more than one of benefit 7 as shown in the Schedule for an Accident arising from separate originating losses concurrently. 10. Any contributory degenerative condition or disablement (as determined by a Qualified Medical Practitioner) known by the Insured Person to be in existence at the time of sustaining Bodily Injury will be taken into account by ACE in assessing the level of benefit payable. 11. If the aggregate amount of all benefits payable under this Section exceeds the applicable Aggregate Limit the Benefit Amount payable for each Insured Person shall be proportionately reduced until the total of all benefits does not exceed such Aggregate Limit. Where one or more Policies has been issued by ACE in the name of the Insured, only the greatest Aggregate Limit shall apply over all. 12. ACE will not pay more than 25 per week to an Insured Person if they are a Student under Benefit 7 for Adult Teams. 13. If the Insured Person is a Student, the maximum Benefit Period under Benefit 7 is 6 weeks for Adult Teams. Reasonable Precautions The Insured and Insured Person shall take all reasonable steps to avoid or minimise any loss or damage. Adjustable Premiums If it has been agreed that any part of the Premium, being based on estimated numbers, is adjustable then the Insured shall within 30 days of the end of the Period of Insurance provide the actual numbers to ACE and the Premium will be adjusted accordingly. Arbitration If any difference arises as to the amount to be paid under this Policy (liability being otherwise admitted) such difference shall be referred to an arbitrator to be appointed by the parties in accordance with the relevant statutory provisions. Where any difference is to be referred to arbitration in accordance with this condition, the making of an award shall be a condition precedent to any right of action against ACE. Assignment Subject to the General Condition headed Payment of Benefits, the benefits under this Policy may not be assigned by the Insured Person. ACE shall not be bound to accept or be affected by any notice or any trust, charge, lien, purported assignment or other dealing with or relating to this Policy. Payment of Benefits Notwithstanding the General Condition headed Assignment, where in relation to any Claim the Insured, at its discretion, directs ACE to do so, ACE shall pay benefits to, or indemnify, a named Insured Person and the receipt of such Insured Person shall be a sufficient discharge of ACE s liability to indemnify or pay the benefits concerned. Change in Business Description The Insured shall give written notice within a reasonable time of any alteration in the Insured s business. Misdescription If the Insured or Insured Person makes a representation which was untrue or misleading and: a) they knew it was, or did not care whether or not it was, untrue or misleading and knew that the information was, or did not care whether it was, relevant to ACE then ACE may have the option to void the Policy; or b) they made it carelessly then ACE may be able to avoid the Policy and return the Premium or vary the Policy including varying the terms and conditions or increasing the Premium depending upon the impact the information would have had on ACE's decision to issue the Policy Cancellation ACE may cancel this Policy by giving thirty days written notice to the Insured at their last known address and in such event the Premium for the period up to the date when the cancellation takes effect shall be calculated and ACE shall promptly return any unearned portion of the Premium paid. In the event of cancellation by ACE the Insured must notify all Insured Persons of such cancellation. The Insured Person may withdraw from the cover provided by this Policy at any time by giving notice to the Insured. No refund of Premium will be payable. The Insured may not cancel this Policy. 9

28 ACE reserves the right to retain the annual Premium where claims have occurred in the Period of Insurance when cancellation takes place. Compliance with Policy Requirements Where the Insured or the Insured Person or their personal representatives do not comply with any obligation to act in a certain way specified in this Policy ACE reserves the right not to pay a claim. Contracts (Rights of Third Parties) Act The Contracts (Rights of Third Parties) Act 1999 or any amendment thereto shall not apply to this Policy. Only ACE and the Insured or Insured Person can enforce the terms of this Policy. No other party may benefit from this contract as of right. The Policy may be varied or cancelled without the consent of any third party. Interest No sum payable by ACE under this Policy shall carry interest unless payment has been unreasonably delayed by ACE following receipt of all the required certificates, information and evidence necessary to support the claim. Where interest becomes payable by ACE, it will be calculated: 1. from the date of final receipt of such certificates, information or evidence and 2. at the base rate established by the Bank of England on such date. Material Disclosure The Insured and the Insured Persons must ensure that all of the information, which they have provided to ACE in the Application Form, by correspondence, over the telephone, on claim forms and in other documents is true, complete and accurate. Please note that providing incomplete, false or misleading information could affect the validity of this Policy and may mean that all or part of a claim may not be paid Policy Age Limit Age limit restrictions will apply to Insured Persons covered under the following sections of the policy; SECTION A benefit 1. Life; i) no cover will apply under this section for persons until attainment of 6 years of age and cover will cease upon attainment of 50 years of age. SECTION A benefit 2. Accidental Death and SECTION B; i) cover will cease upon attainment of 55 years for persons covered under Category A as shown in the schedule ii) cover will cease upon attainment of 75 years for persons covered under Category B as shown in the schedule Other Taxes or Costs ACE is required to notify the Insured Persons that other taxes or costs may exist which are not imposed by ACE. Right to Change ACE reserves the right to make changes, add to the Policy terms and/or to change the total amount payable for this insurance for legal, regulatory or taxation reasons. 10

29 Claims notification On the happening of any occurrence likely to give rise to a claim notice shall be given to the ACE Claims Service Team as soon as reasonably possible after the date of the occurrence. Postal Address: Claims Department, PO Box 4511 Dunstable LU6 9QA Telephone: (Within UK only) International: +44 (0) Claims@acegroup.com General Claims Conditions 1. In the event of the death of a Insured Person, ACE must be notified as soon as possible. ACE will then ask the Insured Person s legal representatives to complete a claim form. ACE will need to be sent any medical certificates or other documents which ACE ask for. ACE will not pay for these. 2. In the event of the Death of the Insured Person, ACE will be entitled to have a post-mortem examination carried out at its own expense. The benefit payable for Death will be paid to the estate of such Insured Person. 3. If any claim under this Policy shall be in any respect fraudulent or if any fraudulent means or devices shall be used by the Insured or anyone acting on the Insured's behalf or by an Insured Person or any Insured Person's legal representatives to obtain benefit under this Policy ACE shall be under no liability in respect of such claim. 4. The Insured and/or Insured Person shall at their own expense furnish ACE such certificates, information and evidence as ACE may from time to time reasonably require in the form prescribed by ACE. ACE shall be allowed at its own expense, upon reasonable notice to the Insured, to request a medical examination of an Insured Person as appropriate. 5. The Insured Person shall as soon as possible after the occurrence of any Accidental Bodily Injury: a) obtain and follow the advice of a Qualified Medical Practitioner; b) co-operate with and follow the advice of an independent rehabilitation case manager where appointed by ACE and ACE shall not be liable for any consequences of the Insured Person s failure to cooperate and obtain and follow such advice and use such appliance or remedies as may be prescribed. Complaints Procedures ACE is dedicated to providing a high quality service and wants to maintain this at all times. If it is felt that a first class service has not been offered or a complaint must be made regarding this insurance please contact: a) Bluefin Complaints Officer Bluefin Insurance Services Limited CI Tower ST Georges Square New Malden Surrey KT3 4TP Telephone: insurance.complaints@bluefingroup.co.uk b) ACE s Customer Service Manager 200 Broomielaw Glasgow G1 4RU. Telephone: (Within UK only) A&Hcustserv.complaints@acegroup.com c) The Financial Ombudsman Service (FOS) may be approached for assistance if the Insured or Insured Person is dissatisfied with ACE s final response. Its contact details are: Financial Ombudsman Service South Quay Plaza 183 Marsh Wall London E14 9SR Telephone: enquiries@financial-ombudsman.org.uk Website: The existence of these complaint procedures does not reduce an Insured or Insured Person s Statutory Rights relating to this Policy. For further information about Statutory Rights the Insured or Insured Person should contact the Office of Fair Trading or the Citizens Advice Bureau. 6. If the Insured Person is aged under 18 years, ACE will pay the Parent or Legal Guardian of the Insured Person, for the benefit of Insured Person. The Parent or Legal Guardian s receipt shall be a full discharge of all liability by ACE in respect of the Claim for such Benefit Amount. 11

30 Data Protection ACE fully accepts its responsibility to protect the privacy of customers and the confidentiality and security of information entrusted to it. ACE is part of the ACE Group of companies. It and the group companies will use information given together with other information for the administration of this Policy, the handling of claims and the provision of customer services. The information may also be disclosed to ACE s service providers and agents for these purposes. It may be disclosed to the Insured s and Insured Person s agents, where appointed. It may also be used for the purposes of fraud prevention including passing details to other insurers and regulatory bodies. Where the Insured or Insured Person has provided information about another person in connection with the purchase and performance of this insurance Policy, ACE will assume they have appointed the Insured or Insured Person to act for them, that they have consented to the processing of their personal data, including sensitive personal data and they have consented to the transfer of their information abroad. Financial Services Compensation Scheme In the unlikely event that ACE is unable to meet its liabilities, the Insured Person may be entitled to compensation under the Financial Services Compensation Scheme (FSCS). The relevant contact details are: Financial Services Compensation Scheme, 10th Floor, Beaufort House, 15 St Botolph Street, London, EC3A 7QU Telephone: or Website: ACE (or reputable organisations selected by them) may monitor and/or record communication to ACE, to ensure consistent servicing levels and account operation. ACE will keep information about the Insured or Insured Person only for so long as it is appropriate. The Insured or Insured Person s each has a right to request a copy of the information (for which ACE may charge a small fee) and to correct any inaccuracies. To make sure instructions are followed correctly and to improve ACE s service through staff training, telephone calls may be recorded. Our contact details are: The A&H/Life Customer Service Manager, ACE Europe Life Limited or ACE European Group Limited, 200 Broomielaw, Glasgow, G1 4RU. Telephone: cust.servuk@acegroup.com 12

31 Bluefin Sport Castlemead, Lower Castle Street, Bristol, BS1 3AG Tel: Web: E mail: nationalgame@bluefingroup.co.uk Bluefin Sport is a trading name of Bluefin Insurance Services Limited which is authorised and regulated by the Financial Conduct Authority. Registered Office: 5 Old Broad Street, London, EC2N 1AD Underwritten by ACE European Group Limited Registered in England No ACE Europe Life Limited Registered in England No Head Office: ACE Building, 100 Leadenhall Street, London, EC3A 3BP. ACE European Group Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority (FCA), Reference number , ACE Europe Life Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority (FCA), Reference number Full details can be found online in the PRA/FCA website or by contacting the PRA on or the FCA on AMS1851