Argos Coversafe Protect your Argos Card and save yourself the worry 15870_Argos Coversafe Policy update AW.indd 1 18/02/2014 15:26 Argos Coversafe Summary of Cover This policy summary does not contain the full terms and conditions of the contract. Full terms and conditions can be found in the policy document GP02497. the relevant benefits under this policy would be payable in the event of the breadwinner’s accident, sickness, unemployment or becoming a carer. Who is the insurer and administrator? You and the nominated breadwinner are both covered under the life benefit part of this policy. However in the event of death, the balance outstanding will only be paid once under the terms of this policy. For full details, please refer to Section “Important Information” on page 7 of your policy booklet. Pinnacle Insurance plc is the underwriter and claims administration provider of the policy. Cardif Pinnacle is a trading style of Pinnacle Insurance plc. Pinnacle Insurance plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Home Retail Group Insurance Services Ltd (HIS) is the administration provider for policy queries, amendments and cancellations. What is Argos Coversafe? Argos Coversafe provides benefits for your Argos store card in the event of your death, accident, sickness and unemployment. It also offers purchase protection insurance where you have chosen this cover as an option. Eligibility To become insured under this policy, you must: •be the first named on your agreement; •be at least 18 and less than 65 years of age; •be working for at least 16 hours per week in the United Kingdom, the Channel Islands or the Isle of Man; •agree to pay the monthly premium and keep to the terms and conditions of this policy; and •have been in full-time employment or self-employed, for at least 6 continuous consecutive months immediately prior to the start date. In addition to the eligibility requirements above, we have used the information supplied by you in your application for this policy in making our decision to offer you cover under this policy. During the term of your policy, you must continue to meet the conditions above to remain eligible for the levels of cover that apply to you. If your circumstances change or you no longer meet the conditions above you should contact Argos straight away to discuss your options. Breadwinner: If you are not eligible for this insurance, it is possible for you to nominate a breadwinner as an insured person. The nominated person must be your partner residing with you and meet the eligibility criteria mentioned above. This means that 2 15870_Argos Coversafe Policy update AW.indd 2-3 If you are self-employed: You should pay particular attention to the definitions of “self-employment” and “cease trading” in the policy document. This is to ensure that you meet the requirements and understand the circumstances for making an unemployment claim and the evidence you would need to provide. In order to make a successful unemployment claim, you will need to provide us with: •confirmation from your accountant that you had involuntarily ceased to trade and your business has insufficient assets to meet its debts and liabilities; and •evidence that you have submitted your final closing accounts for your business to HMRC; and •evidence that your business has been put in the hands of an insolvency practitioner; or •evidence that your business is or being dissolved and final closing accounts have been prepared or are being prepared and submitted to HMRC. To make an accident or sickness claim you must not be actively involved in your business in any way during this time, or be receiving any form of payment. See Section 4 (v) of your policy document. If you work under a fixed-term contract: What are the main features, benefits, exclusions and limitations of Argos Coversafe? The benefits applicable to you will depend on your age, the type of employment you are engaged in, and whether you are permanently retired or not. Applicable if you are in full-time employment or self-employment, and you are aged between: Applicable if you are permanently retired: Life Accident and Sickness Unemployment Purchase Protection 18-65 18-65 18-65 18-65 Yes No No Yes The following tables summarise the different levels of cover provided under this policy, for full details please refer to the relevant sections of the policy document. Table 1: Life Cover Features and Benefits If during the period of insurance you or the breadwinner die, we will pay Argos for the credit of the account, a sum equal to the balance outstanding at the date of death. Significant Exclusions or Limitations The maximum benefit is £15,000, regardless of the number of policies you may have with us. Benefits will not be payable if your claim results from: • a self-inflicted injury; or • drug or alcohol abuse. Policy Reference Sections 2 and 3 Table 2: Accident and Sickness Cover This part of the policy applies only if you have chosen to include Accident and Sickness as part of your policy and will be stated on your demands and needs letter. Features and Benefits If during the period of insurance an accident or sickness prevents you from working for 14 continuous consecutive days or more then subject to the policy terms and conditions, you will be entitled to an amount equal to the monthly benefit. Thereafter, you will be entitled to a monthly benefit for each continuous consecutive period of 30 days you remain unfit for work. Significant Exclusions or Limitations The maximum monthly benefit is £1,000, regardless of the number of policies you have with us. The maximum number of monthly benefit payments for any one claim is 7. Benefits will not be payable if your claim results from: • a self-inflicted injury; • drug or alcohol abuse; or • cosmetic surgery. Policy Reference Sections 4 and 5 You should pay particular attention to the definition of “fixedterm contract” and Section 6 (ix) of the policy document. This is to ensure you understand the situations in which you would be entitled to make an unemployment claim and the criteria you would need to meet if your contract was either terminated early or not renewed. You must continue to meet the conditions above to remain eligible for the levels of cover that apply to you. If your circumstances change or you no longer meet the conditions above you should contact us straight away to discuss your options. 3 18/02/2014 15:26 Table 3: Unemployment Cover Features and Benefits If during the period of insurance you become unemployed for 14 continuous consecutive days or more then subject to the policy terms and conditions, you will be entitled to an amount equal to the monthly benefit. Thereafter, you will be entitled to a monthly benefit for each continuous consecutive period of 30 days you remain unemployed. Carer’s Cover You may also be able to claim for unemployment if you become a carer and receive Carer’s Allowance from the Department for Work and Pensions Jobcentre Plus. If you live and work in the Channel Islands or the Isle of Man, in respect of Department for Work and Pensions Jobcentre Plus, the local equivalent shall apply. For all claims, proof will be required from your employer, your doctor and/or the Job Centre. Table 5: General Information – Applicable to all Cover Significant Exclusions or Limitations The maximum monthly benefit is £1,000, regardless of the number of policies you have with us. The maximum number of monthly benefit payments for any one claim is 7. Benefits will not be payable if your claim results from any: • unemployment which follows any announcement or action by your employer prior to the start date in relation to the department or division of the business in which you work, and which relates to any redundancies, employee consultations, restructures, mergers or reorganisations that have led or could lead to compulsory job losses, mandatory reduced working hours or mandatory reduction in salary; • unemployment where your work is seasonal, casual or temporary, or where your unemployment is due to your misconduct or is voluntary in any way e.g. you resign. • in the case of an unemployment claim you must satisfy the definition of unemployment set out in the “Definitions” Section 18 of the policy (and if you were self-employed, you must have involuntarily ceased trading). We will not pay benefits under this policy for a carer cover claim if at the start date: • your immediate family member was in receipt of any disability benefit for his/her condition as described by the Department of Work and Pensions Jobcentre Plus; or • you were in receipt of Carer’s Allowance as described by the Department of Work and Pensions Jobcentre Plus. Policy Reference Policy Reference Contact Details For general enquiries: Sections 6 and 7 Argos Card Services Limited, Thynne Street, Bolton BL11 1AS Tel: 0845 640 0700 For policy complaint: The Customer Care Team, Argos Card Services Limited Thynne Street, Bolton BL11 1AS Tel: 0845 640 0700 You may contact Argos using TypeTalk on telephone number 18001 0844 892 0195. Telephone calls may be monitored or recorded to assist with staff training and for quality control. For claims enquiries: Claims Department, Cardif Pinnacle Pinnacle House, A1 Barnet Way, Borehamwood, Hertfordshire WD6 2XX Tel: 0844 801 2174 (lines are open Monday to Friday, 8.30am to 6pm) You can also download a claim form and track your claim online at: www.support.cardifpinnacle.com For claims complaint: Claims Department, Cardif Pinnacle Pinnacle House, A1 Barnet Way, Borehamwood, Hertfordshire WD6 2XX Tel: 0844 801 2174 (lines are open Monday to Friday, 8.30am to 6pm) Page 1 of your policy document Your right to cancel If you cancel within 30 days of the start of this policy or the date you receive your policy documents, the cooling off period, we will make a full refund of any premium you have paid, providing you do not make a claim. If you do make a claim no refund will be payable. Section 11 If you cancel outside the initial 30 day “cooling off period”, no refund of premium will be payable. To cancel, please contact Argos Card Services Limited using the contact details above. Our right to cancel Table 4: Purchase Protection Cover – only applicable if you have chosen to include as part of your policy and will be stated on your demands and needs letter. Features and Benefits Significant Exclusions or Limitations Subject to the terms and conditions, we will cover you against loss, theft or damage for insured articles purchased by you, using your store card within 365 days from the date of purchase during the period of insurance or the date of delivery, whichever is the later. The maximum amount in respect of a single article is £1,500, £15,000 for each event and £50,000, in total per annum. The following are some of the exclusions: • loss or damage due to intentional acts by you; • fraud, abuse, neglect or failure to follow the manufacturer’s instructions; • theft from an unattended motor vehicle except where: • the vehicle has been locked; and •the vehicle security system (where present) has been activated; and •the item has been placed in either the boot or locked in the glove compartment of the vehicle; and • unexplained loss of an insured article. 4 15870_Argos Coversafe Policy update AW.indd 4-5 Policy Reference We may cancel your insurance cover immediately where there is evidence of dishonest or exaggerated behaviour or where you have misrepresented or failed to disclose something at the time of application which would have caused us to decline you for cover. Section 12 We may cancel your insurance cover by giving not less than 90 days’ written notice. We will only do this in the circumstances set out in Section 12 of your policy document. Duration of Cover Sections 8 and 9 This is a monthly contract that will be renewed providing you pay your premium when due. This policy will continue until the date you no longer have an agreement or the end of month in which your store card is cancelled, withdrawn, expired or is not renewed by Argos, the date you reach 65 years of age, you die, you or we cancel the policy or you fail to pay the monthly premium when due, whichever happens first. You should review your circumstances regularly and consider whether this policy still meets your lifestyle needs. Section 15 Claims To make sure you receive your benefits as quickly as possible you must notify us about your claim as soon as you can. You should contact us using the contact details above to request a claim form. Section 10 For accident, sickness and unemployment claims, you can also download a claim form and track your claim online at: www.support.cardifpinnacle.com 5 18/02/2014 15:26 Argos Coversafe Premiums Your Policy Document The premium rate applicable to your cover may change during the time you have this policy. This may be because of changes to our expected future costs. We will only change your premium rate for this reason where there is a change to the specific factors we have set out in this policy, and that change results in our expected future costs being higher or lower than assumed when the premium rate was set. This may include changes to our expected future claims costs due to changes in economic conditions such as unemployment rates. We will review your premium rate at least annually and you will be given at least 60 days’ written notice of any alteration to the premium rates under this policy unless the change is due to legislative, tax or regulatory requirements. Section 13 We may review your premium rate more frequently than annually if it becomes necessary due to significant changes in any of the specific factors referred to in Section 13 Except where your premium rate is changed due to legislative, tax or regulatory requirements, the minimum period between consecutive changes will be 180 days. This policy provides protection insurance for your Argos store card in the event of your death, accident, sickness, unemployment and purchase protection insurance (where you have chosen this cover as an option) providing you meet the eligibility criteria set out in Section 1 and have paid the monthly premium when due. This policy provides you with everything you need to know about your cover and contains all terms and conditions of your cover including the exclusions and limitations. Please make sure that you: • are eligible for the insurance cover; • know what this insurance does and does not cover; • understand how changes in your employment may affect your eligibility to claim; and • understand the terms and conditions for making a claim. This policy uses words and phrases that have specific meanings. You will find these explained in Section 18 “Definitions”. Defined words are shown in “bold” wherever they appear. As a result of the premium rate review, your monthly premium may go up, stay the same or go down, and there is no limit to the amount of any change. If a review results in an increase to your premium rate and you do not wish to pay the increase you can cancel your policy with immediate effect by either telephoning us or writing to Argos. Terms and conditions We may vary or waive the terms and conditions of this policy. This may be to: • vary the cover provided under this policy because of changes to our expected future costs. We will only change your terms and conditions for this reason where there is a change to the specific factors we have set out in Section 13 of your policy, and that change results in our expected future costs being higher or lower than assumed when the premium was set. This may include changes to our expected future claims costs due to changes in economic conditions such as unemployment rates; • improve your cover; • comply with any applicable laws or regulations; • reflect any changes to taxation; or • correct any typographical or formatting errors that may occur. You will be given at least 60 days’ written notice of any alteration (including detailed advice about what has changed and how it may impact you) to the terms and conditions of cover under this policy unless the change is due to legislative, tax or regulatory requirements. Except where the terms and conditions of cover under this policy are changed due to legislative, tax or regulatory changes, the minimum period between consecutive changes will be 180 days. Such changes may have the effect of increasing or reducing the cover previously provided under this policy. If you do not wish to continue your cover you can cancel your policy with immediate effect by either telephoning us or writing to Argos. Section 14 Applicable if you are permanently retired: Section 16 Complaints For complaints regarding general administration of your policy please contact Argos Card Services Limited using the contact details on page 5. For complaints regarding claims administration of your policy please contact Cardif Pinnacle using the contact details on page 5. If you are not satisfied with the outcome of any internal enquiries, you can ask the Financial Ombudsman Service (FOS) to consider your complaint. 6 15870_Argos Coversafe Policy update AW.indd 6-7 Contact details For general enquiries: Argos Card Services Limited, Thynne Street, Bolton BL11 1AS Tel: 0845 640 0700 Applicable if you are in full-time employment or self-employment, and you are aged between: Compensation We are covered by the Financial Services Compensation Scheme (FSCS). If we are unable to meet our liabilities to you, you may be entitled to compensation from the FSCS. Further information is available from their website: www.fscs.org.uk Underwritten by: Pinnacle Insurance plc Head and Registered Office: Pinnacle House, A1 Barnet Way Borehamwood, Hertfordshire WD6 2XX, United Kingdom Company Registered No. 1007798 Policy No. 02497 Date of Policy: 1st July 2012 Section 17 For a policy complaint: The Customer Care Team, Argos Card Services Limited Thynne Street, Bolton BL11 1AS Tel: 0845 640 0700 You may contact Argos using TypeTalk on telephone number 18001 0844 892 0195. Telephone calls may be monitored or recorded to assist with staff training and for quality control. For claims enquiries: Claims Department, Cardif Pinnacle Pinnacle House, A1 Barnet Way, Borehamwood, Hertfordshire WD6 2XX Tel: 0844 801 2174 (lines are open Monday to Friday, 8.30am to 6pm) You can also download a claim form and track your claim online at: www.support.cardifpinnacle.com For a claims complaint: Claims Department, Cardif Pinnacle Pinnacle House, A1 Barnet Way, Borehamwood, Hertfordshire WD6 2XX Tel: 0844 801 2174 (lines are open Monday to Friday, 8.30am to 6pm) Important Information Eligibility for unemployment benefit varies according to the type of employment contract you hold and how your unemployment comes about. It is important that you read Sections 6 and 7 as well as the definitions of full-time employment, self-employment and unemployment. The benefits applicable to you will depend on your age, the type of employment you are engaged in, and whether you are permanently retired or not. Please see the table below for details. Life Accident and Sickness 18-65 18-65 18-65 18-65 Yes No No Yes Please Note: under this policy it is possible for you to nominate a breadwinner as an insured person. This means that the relevant benefits under this policy would be payable in the event of the breadwinner’s accident, sickness, unemployment or becoming a carer. You and the nominated breadwinner are both covered under the life benefit part of this policy. However in the event of death, the balance outstanding will only be paid once under the terms of this policy. You must provide the details of the breadwinner to Argos to ensure that the breadwinner is covered under this policy. You may change your nominated breadwinner by notifying Argos. If you no longer have a breadwinner, you must notify Argos. In these circumstances you should consider whether this policy continues to be appropriate for your needs. In relation to the above, any such benefit will be payable for the benefit of your agreement with Argos and is subject to evidence (as listed in Section 10) that the person nominated is the breadwinner. Evidence may include copies of payslips, Unemployment Purchase Protection bank statements or business accounts confirming that the person nominated is the higher income earner. 1. Eligibility To become insured under this policy, you must: (i) be the first named on your agreement; (ii) be at least 18 and less than 65 years of age; (iii)be working for at least 16 hours per week, and live in the United Kingdom, the Channel Islands or the Isle of Man. You will also be eligible for continued cover if you worked and lived in the United Kingdom, the Channel Islands or the Isle of Man and you are subsequently posted to work outside the United Kingdom, the Channel Islands or the Isle of Man for: (a) the British Armed Forces or as a civil servant at British Embassy or Consulate; or (b)your employer which is a United Kingdom registered company and you are assigned to work within the European Union; (iv)agree to pay the monthly premium and keep to the terms and conditions of this policy; and 7 18/02/2014 15:26 (v)have been in full-time employment or self-employed, for at least 6 continuous consecutive months immediately prior to the start date. In addition to the eligibility requirements above, we have used the information supplied by you in your application for this policy in making our decision to offer you cover under this policy. You must continue to meet the conditions in (i) to (iv) above to remain eligible for the levels of cover that apply to you. If your circumstances change or you no longer meet the conditions in (i) to (iv) above you should contact Argos straight away to discuss your options. Self-employed and fixed-term contract workers If you are self-employed or work on a fixed-term contract, you should read this policy carefully to make sure it is suitable for your needs. You should pay particular attention to the definitions of “self-employed” and “ceased trading”, Section 6 “Unemployment Benefit” and Section 10 “Claims”. If you are self-employed and wish to claim unemployment benefit you will need to provide evidence as set out in Section 10 that you: (a) have involuntarily ceased trading; (b)are registered as unemployed with the Department for Work and Pensions Jobcentre Plus (or equivalent government department in the Channel Islands or the Isle of Man); and (c) fulfil the definition of unemployed. If any of these happen or are likely to happen to you or if you have any questions you should contact us to discuss. 2. Life benefits If during the period of insurance you or the breadwinner die, subject to the other provisions of this policy, we will pay Argos for the credit of the account, a sum equal to the balance outstanding at the date of death. The maximum amount payable is £15,000 regardless of the number of policies you may have with us. The balance outstanding can only be settled once under this policy. 3. Life exclusions No life benefit will be payable if your death results from or as a consequence of the following: (i) a self-inflicted injury; or (ii) being under the influence of, or being affected by, alcohol or drugs unless prescribed by a doctor (other than prescribed for the treatment of drug addiction or alcohol dependency). 4. Accident and sickness benefits This part of the policy applies only if you have chosen to include accident and sickness as part of your policy and will be stated on your demands and needs letter. (i) If during the period of insurance an accident or sickness prevents you from working for 14 continuous consecutive days or more, you will be entitled to an amount equal to the monthly benefit. Thereafter, you will be entitled to an amount equal to the monthly benefit for each continuous consecutive period of 30 days you remain unfit for work. The monthly benefit will be paid directly to Argos for the credit of the account provided you meet the terms and conditions of this policy. (ii) To receive the monthly benefit you must: (a)be in full-time employment, self-employment or fixed-term contract work when your accident occurs or sickness begins; (b)be under regular medical care as directed by your doctor; 8 15870_Argos Coversafe Policy update AW.indd 8-9 (c) be prevented from working only as a result of the accident or sickness; (d)not be receiving the monthly benefit for unemployment for the same period; and (e)provide us with any evidence we ask for (as listed in Section 10 (ii)) in order to prove your claim is valid and continues to be so. (iii) When paying your claim we will consider the first day of your accident or sickness to be the day a doctor certifies that you are unfit for work. (iv) We will continue to pay the monthly benefit until: (a) we have paid an amount equal to the balance outstanding; (b) we have paid 7 monthly benefit payments; (c) you return to full-time employment, self employment or fixed-term contract work; (d)you fail to provide us with evidence (as listed in Section 10 (ii)) of your accident or sickness; or (e)the end date; whichever happens first. (v) Can you work whilst you are claiming? If you are in full-time employment or fixed-term contract work - if you make a valid claim and your doctor confirms that because of your condition you must return to work gradually over a period of time, we will continue to pay your monthly benefit at the same rate until you return to working at least 16 hours per week, or your doctor confirms your accident or sickness no longer prevents you from working at least 16 hours per week, subject to the terms and conditions of this policy. If you have made an accident or sickness claim and then find alternative part-time work for less than 16 hours per week you will still be able to claim for accident and sickness benefit provided that you are in receipt of Employment and Support Allowance. If you are self-employed - you must not do any work including helping, managing or carrying on any part of the running of a business whilst you are claiming and you must not be receiving any form of payment whilst you are claiming. (vi) Future Claims (a) You may make a further accident and sickness claim: (i) for an unrelated condition – if you have returned to full-time employment, self-employment or fixed-term contract work for at least 1 month following the previous accident and sickness claim, unless paragraph (b) below applies; or (ii)for the same or a related condition – if you have returned to full-time employment, self employment or fixed-term contract work for at least 3 consecutive months following the previous accident and sickness claim, unless paragraph (b) below applies. However, if two periods of accident or sickness (each resulting from the same or a related condition) are separated by less than 3 consecutive months of full-time employment, self-employment or fixed-term contract work, we will treat them as one continuous claim for the purposes of calculating the maximum monthly benefits payable, but no benefit will be payable for the time in between. (b)If we have paid the maximum monthly benefits for a single claim, you may only make a further accident and sickness claim (whether resulting from a related or unrelated condition) provided you have returned to full time employment, self-employment or fixed-term contract work for at least 6 consecutive months. Statutory maternity or paternity leave can form part or all of the 1, 3 or 6 month periods in (a) and (b) above. (vii) Pregnancy and childbirth We will pay benefit for any accident or sickness resulting from any symptom(s) of, or complication(s) of pregnancy and childbirth which a doctor certifies prevents you from working, and which is not excluded under any other exclusions listed in this policy. However no benefit will be payable for normal pregnancy and childbirth related conditions. (viii) The maximum monthly benefit payable under this policy is £1,000, regardless of the number of policies you may have with us. 5. Accident and sickness exclusions (i)No accident and sickness benefit will be payable if your accident or sickness results from or as a consequence of the following: (a)a self-inflicted injury; (b)being under the influence of, or being affected by, alcohol or drugs unless prescribed by a doctor (other than prescribed for the treatment of drug addiction or alcohol dependency); or (c)any elective surgical procedure or cosmetic surgery unless directly attributable to physical injury, disease or sickness. (ii)No accident or sickness benefit will be payable if we make any benefit payment for unemployment under Section 6 below in respect of the relevant day. 6. Unemployment benefit (i) If during the period of insurance you become unemployed for 14 continuous consecutive days or more, you will be entitled to an amount equal to the monthly benefit. Thereafter, you will be entitled to an amount equal to the monthly benefit for each continuous consecutive period of 30 days you remain unemployed. The monthly benefit will be paid directly to Argos for the credit of the account provided you meet the terms and conditions of this policy. (ii) To receive the monthly benefit you must: (a)be in full-time employment or self-employment for at least 6 continuous consecutive months immediately prior to you becoming unemployed; (b)satisfy the definition of unemployed set out in Section 18 (and if you were self-employed, you must have involuntarily ceased trading); (c) not be receiving the monthly benefit for accident or sickness for the same period; and (d)provide us with evidence (as listed in Section 10 (iii) (a)) to prove your claim is valid and continues to be so. (iii) When paying your claim, we will consider your first day of unemployment to be the day you are first registered as unemployed with the Department for Work and Pensions Jobcentre Plus or equivalent government department in Northern Ireland, the Channel Islands, the Isle of Man or a European Union member state. You will not be considered to be unemployed for days for which you receive payment in lieu of notice. (iv) We will continue to pay the monthly benefit until: (a) we have paid 7 monthly benefit payments; (b) you return to full-time employment or self-employment; (c) you fail to satisfy the definition of unemployed set out in Section 18; (d)you fail to provide us with evidence (as listed in Section 10 (iii) (a)) of your unemployment; or (e)the end date; whichever happens first. (v)The maximum monthly benefit payable under this policy is £1000, regardless of the number of policies you may have with us. (vi) Future Claims (a) You may make a further unemployment claim if you have returned to full-time employment or self employment for at least 3 consecutive months following the previous unemployment claim, unless paragraph (b) below applies. However, if two periods of unemployment are separated by less than 3 consecutive months of full-time employment or self-employment, we will treat them as one continuous claim for the purposes of calculating the maximum monthly benefits payable, but no benefit will be payable for the time in between. (b)If we have paid the maximum monthly benefits for a single claim, you may only make a further unemployment claim if you have returned to full-time employment or self-employment for at least 6 months. Statutory maternity or paternity leave can form part or all of the 3 or 6 month period in (a) and (b) above. (vii) Multiple Employment If you are in full-time employment with more than one employer and you are made unemployed from one or more of your jobs, you will be able to claim for unemployment benefit if you are no longer working 16 hours a week or more in total and you meet criteria (ii) and (iii) of the definition of unemployed, subject to the terms and conditions of this policy. (viii) Carer Cover (a)if you are unemployed as a result of you becoming a carer, we will consider an unemployment claim if you can provide evidence as listed in Section 10 (iii) that you are: (i)required to care for a member of your immediate family; and (ii)in receipt of Carer’s Allowance from the Department for Work and Pensions Jobcentre Plus or such government office which replaces it; and (b) we will not pay benefits under this policy for a carer cover claim if at the start date: (i) your immediate family member was in receipt of any disability benefit for his/her condition as described by the Department of Work and Pensions Jobcentre Plus; or (ii) you were in receipt of Carer’s Allowance as described by the Department of Work and Pensions Jobcentre Plus. If you live and work in the Channel Islands or the Isle of Man, in respect of any Sections relating to Department for Work and Pensions Jobcentre Plus, the local equivalent shall apply. (ix) Temporary Work During a Claim (a)An unemployment claim may be suspended for a period of temporary work provided: (i) you notify us before your temporary work starts; and (ii) your temporary work lasts for at least one week and no longer than 12 months, whether as one contract or a series of contracts. Once your temporary work has ended, we will continue to pay your claim as a continuation of your earlier claim up to a maximum of 7 monthly benefit payments in total, subject to the terms and conditions of this policy. (b)If you are in temporary work with the same employer for 12 months or more and you are made unemployed, we will pay unemployment benefit as set out in Section 6 (i), subject to the terms and conditions of this policy. (c)If you have an unemployment claim but you do not submit your claim because you take temporary work, you may 9 18/02/2014 15:26 submit your claim once the temporary work has ended. We will then assess your claim, subject to the terms and conditions of this policy, as if you had submitted it following your initial unemployment. (x) Fixed-term Contract Workers If you work on a fixed-term contract and your contract is not renewed you will only be entitled to claim for unemployment cover if you meet one of the following criteria: (a)you have been on a contract with the same employer for at least 12 months and had the contract renewed at least once; (b) you have worked continuously under contract with the same employer for at least 24 months; (c) you were originally employed on a permanent basis but were transferred to a fixed-term contract by the same employer without a break in employment; or (d) you have been with the same employer and are under a contract which is not regularly renewable but is individually negotiated, and which has: (i) been in force for at least 6 months; (ii) been renewed at least twice; and (iii) your contract was terminated before it was due to naturally expire. If this is the case, we will restrict payments to the period up to the original contract expiry date, subject to the terms of the policy. 7. Unemployment exclusions We will not pay any benefits if your unemployment claim results from: (i) unemployment which follows any announcement or action by your employer prior to the start date in relation to the department or division of the business in which you work, and which relates to any redundancies, employee consultations, restructures, mergers or reorganisations that have led or could lead to compulsory job losses, mandatory reduced working hours or mandatory reduction in salary; (ii) unemployment where your work was seasonal, casual or temporary other than as set out in Section 6 (ix) above or unemployment is a regular feature of your work; (iii) you finishing the job you were specifically employed to do, or you coming to the expected end of a fixed-term contract unless you satisfy one of the conditions set out in Section 6 (x) above; (iv) you resigning or you accepting voluntary unemployment; (v) you losing your job because of your misconduct, fraud, dishonesty or as a result of your own acts or omissions; (vi) you not actively seeking re-employment; or (vii)the unemployment results from any condition excluded under the accident and sickness exclusions set out in Section 5. 8. Purchase protection benefit (You must continue to pay your monthly premium to maintain purchase protection benefit. If you fail to pay your monthly premium, this cover will end (please see end date within the definitions Section 18 of this policy.)) This part of the policy applies only if you have chosen to include purchase protection as part of your policy and will be stated on your demands and needs letter. (i) We will cover you against loss, theft or damage for the insured articles purchased by you, using your store card within 365 days from the date of purchase during the period of insurance or the date of delivery, whichever is the later. (ii) If at the date of loss or damage to any insured article, there is any other insurance covering the same loss or damage then 10 15870_Argos Coversafe Policy update AW.indd 10-11 you will only be covered to the extent that the direct physical loss or damage has not been paid by such other insurance. This cover will not extend to any policy excess. (iii) The maximum amount payable will be: (a)the original purchase price of the insured article as reflected on your account statement and the appropriate till receipt; (b)where the account has been used as a partial payment, the actual proportion of the purchase price paid for using the account; (c) either the cost of repair of the insured article or if the insured article is replaced with our prior approval, the sum debited from your account on purchase of the replacement insured article; or (d)£1,500 in respect of a single article, £15,000 for each event and £50,000, in total per annum. (iv) In the event of total loss or damage, where an insured article is replaced with our prior approval, evidence that the insured article has been replaced with the same item will be required. If the insured article is no longer available for purchase, evidence that a similar item has been purchased will be required. (v)If you suffer any loss to one part or to a set of insured article(s) and it is incapable of being used individually, and cannot be replaced separately, then we will pay you the maximum benefit outlined in this Section (iii) above, in respect of any direct physical loss and/or damage to that personal property. (vi) When a claim is paid for loss or replacement, the insured article automatically becomes our property. (vii) It is a condition of the insurance that any damage caused by malicious persons or vandals, loss or theft must be notified to the police within 24 hours of discovery of such damage, loss or theft. 9. Purchase protection exclusions No benefit will be payable under this policy for any loss and/or damage arising from, or in respect of: (i) faults or defects covered by any manufacturer’s guarantee; (ii)the insured article being used for a business purpose; (iii) theft from an unattended motor vehicle except where: (a)the vehicle has been locked; and (b)the vehicle security system (where present) has been activated; and (c)the item has been placed in either the boot or locked in the glove compartment of the vehicle; (iv) jewellery and watches stolen from baggage unless it is carried by hand and under the personal supervision of you or a member of your family; (v)fraud, abuse, neglect or failure to follow the manufacturer’s instructions; (vi)loss or damage to any insured article as a result of your own intentional acts or omissions; (vii) damage caused by wear and tear to the insured article; (viii)damage to sporting goods in the normal course of play and consumable sporting items such as balls and racquet strings; (ix) the unexplained loss of an insured article; (x) loss of use of the insured article or any loss over and above the cost of the insured article; (xi) loss or damage caused by the failure of any electrical or computer equipment, software, micro-controller, microchip, accessories or associated equipment to correctly recognise and process any calendar date or time; (xii) theft or damage while the insured article is in the care, custody or control of anyone other than you or a member of your family; (xiii) theft or damage to the insured article prior to the delivery and acceptance in perfect condition by you or someone authorised by you; and (xiv) theft of any item from any property, land, premises or vehicle unless entry or exit to the property, premises or vehicle was gained by the use of force, resulting in physical damage to the property, premises or vehicle. 10. Claims (i) You should request a claim form by contacting us. The fully completed claim form should be returned to us together with any supporting evidence listed in this Section 10 as soon as possible, but no later than 90 days after your claim first arises. All the relevant sections should be completed to avoid a delay in receiving benefits. Continuing Claim Forms - to confirm your ongoing eligibility for benefit, we will ask you to fill in a continuing claim form each month. You must send this to us as soon as possible, but no later than 90 days from the date we last paid your monthly benefit. Completion and postage of the claim form and the continuing claim form will be at your expense. If any documents requested under this Section 10 are not received promptly our claims assessment process will be delayed which may prevent us paying your claim. If the name of any document changes e.g. “P45” or “Fit Note”, we will require you to send us the document which takes its place. We will only ask for information relevant to your claim. If you are unable to supply any evidence listed in this Section, we may ask you for alternative evidence to support your claim. (ii) Accident & sickness cover claims (a)To be able to process your claim quickly we will always request that you send us a fully completed claim form along with: (i)Fit Notes supplied to you by your doctor or consultant; and (ii)evidence from your employer confirming your absence from work due to accident or sickness. If this is not available we may require a copy of your contract of employment, P60 and/or wage slips; (b)To enable us to assess how long you will be unable to work for, we may also (at our cost) throughout the duration of the claim contact: (i) your employer; (ii) a qualified medical professional; (iii) you or your authorised representative. When making an accident or sickness claim you may need to have a medical examination at our expense. If you refuse or the appointment is not kept, we will be unable to validate and pay your claim. If you are self-employed: We will require you to provide all the information described above however, as we are unable to request evidence from an employer to support your claim, we will require you to provide the following alternative information at your expense: (a) we will require copies of business and/or personal bank statements showing business transactions for the 2 months prior to the date last worked (and throughout the duration of the claim if we request this) along with sales invoices for the same period; (b) we may also contact your accountant, HM Revenue & Customs, qualified medical professional, you or your authorised representative throughout the claim. We will consider the first day of your claim to be the day a doctor certifies that your accident or sickness prevents you from working. However, where your sickness relates to: (a)any condition of a mental or nervous origin, including stress, anxiety and depression, then we will consider the first day of your claim to be the date of your referral to a consultant or appropriate medical specialist; or (b)backache, then we will consider the first day of your claim to be the earliest of: (i) your referral for a radiological investigation or referral to a consultant or appropriate medical specialist; or (ii) receipt of radiological evidence. If you complete a self-certification form when your accident occurs or sickness begins we may consider the first day of your claim to be up to 7 days before the date of the doctor’s certificate. (iii) Unemployment cover claims (a)To be able to process your claim quickly we will always request that you send us a fully completed claim form. We may also request the following documents which will be provided at your expense: (i)letters from your employer, including the letter notifying you of the termination of your employment; (ii)copies of your contract of employment, payslips, P60 and P45 provided by your employer; (iii)Jobseekers award letters. If you are not in receipt of Jobseeker’s Allowance, letters confirming you are in receipt of another more appropriate benefit; (iv)copies of any compromise agreements; (v) details of job applications; (vi)any letter(s) confirming periods of temporary employment; (vii)any employment tribunal decisions. We may also write to your former employer and/or the benefits office. After the first month of the claim we may request additional information from you from the list above; To continue to qualify for benefit, you must be actively seeking employment during the course of your claim. To evidence this, we will ask you to complete a continuing claim form on a monthly basis and to provide us with details of job applications you have made and letters which confirm any periods of temporary employment you have managed to secure. (b)If you are a carer, we will require you to provide copies of: (i)Carer’s Allowance award letter from the Department for Work and Pensions Jobcentre Plus or such government office which replaces it; (ii)medical evidence in respect of the person requiring your care from their qualified medical professional; (iii)fully completed continuing claim forms with copies of bank statements showing ongoing receipt of Carer’s Allowance. We may also contact: the qualified medical professional, your former employer, benefit office, you or your authorised representative. (c)If you are self-employed we will require you to provide us (at your expense) with: (i)copies of business bank statements showing business transactions for the two years prior to the date last worked along with sales invoices for the same period; and (ii)copies of the last two years trading accounts or if these are not available evidence of the last two years gross income; and (iii)copies of cessation of trading accounts plus any HM Revenue & Customs acknowledgement letters. We may also write to your accountant and/or the benefits office. 11 18/02/2014 15:26 What if you are not eligible for Jobseeker’s Allowance? If you are ineligible for Jobseeker’s Allowance, you must provide ongoing alternative evidence to us (as listed in Section 10 (iii) (a)) that you are unemployed and actively seeking work. This could include copies of job applications, invitations to interviews, application responses and registration with employment agencies. What if you want to seek work in the EU? If you wish to seek work in the European Union you must make arrangements with the Department for Work and Pensions Jobcentre Plus to register as unemployed in the country you are going to. You must obtain a form E303/3 from the Overseas Benefits Office before leaving the United Kingdom. We will continue to pay your unemployment claim for a period of up to 3 months from the date you leave. If, during the 3 month period referred to above, you find work and/or you relocate to a European Union member state outside the United Kingdom, you should notify us as soon as possible as you may no longer be eligible for benefits or cover under this policy. What if you need to switch between claims? (Only applicable to accident, sickness and unemployment cover.) You can switch between an accident or sickness claim and an unemployment claim (or vice versa) without interruption (i.e. no additional wait period will be applied), subject to a maximum of 7 monthly benefits being paid for any one claim. All other terms of this policy will still apply and both claims must be valid. (iv) Life cover claims We will need the following information to be able to pay your claim: (a)your personal representative must supply us with an original certified copy of your death certificate (in English); and (b)an original certified copy of either a grant of probate or letters of administration (if your personal representatives are appointed in England, Wales, Northern Island, the Channel Islands or the Isle of Man) or grant of confirmation (if your personal representatives are appointed in Scotland). We may also require a copy of your birth certificate and access to medical records and a copy of your will. (v) Purchase Protection Insurance cover claims Any claim under the purchase protection insurance cover detailed in Section 8 must be notified to us within 45 days of the actual physical loss and/or damage. (Any claim for loss will need to be validated by a copy of the police report, sales invoice and card receipt. Any claim for damage will need to be validated by an estimate for repair, sales invoice and card receipt.) What other support can we offer you? To help you return to work, subject to availability we will also provide you with access to our Claims Support website www.support.cardifpinnacle.com which is designed to help you find work and provide general health updates and information. We may also provide you with our Job Seekers Booklet or our Claimant Health Guide as appropriate. What if you’re receiving state benefits? If you or your partner are receiving any state benefits you should advise the appropriate authority if you make a claim under this policy. In some circumstances, the amount of monthly benefit you receive under this policy may affect your entitlement to state benefits. Your local benefits agency will be able to provide you with further information. 11. Your right to cancel (i) Within the “cooling off period” - if you decide you do not want the cover and wish to cancel your policy, you can do so within 30 days of the start date or the date you receive these policy documents, whichever is the later (the “cooling off period”). You will receive a full refund of any monthly premium you have paid provided no claim has been made under the terms of 12 15870_Argos Coversafe Policy update AW.indd 12-13 this policy. If you have made a claim, no refund of monthly premium will be payable. (ii) Outside the “cooling off period” - if you cancel outside the initial 30 day cooling off period, no refund of monthly premium will be payable. (iii)If we change your premium rate and/or vary or waive the terms and conditions of this policy and you do not wish to continue your cover you should contact Argos to cancel your policy without notice and without penalty. (iv)All cancellation requests should be made to: Argos Card Services Limited Thynne Street Bolton BL11 1AS Tel: 0845 640 0700 12. Our right to cancel (i) We may cancel your insurance cover immediately: (a)where there is evidence of dishonesty or exaggerated behaviour by you (or by someone acting on your behalf) in relation to the cover provided under this policy; (b)where you deliberately tell us something which is untrue or misleading in response to any question we ask you when you take out cover under this policy, or apply to vary your cover under this policy (or we can demonstrate from the relevant circumstances that you did not take reasonable care to ensure the statements you made to us were true). If we cancel your cover as a result of this Section 12 (i) (b), we will not return any monthly premiums you have paid; (c)where you have unintentionally misrepresented a material fact which, if correctly represented at the time of application, would have caused us to decline you for cover. If we cancel your cover as a result of this Section 12 (i) (c), we will return any monthly premiums that you have paid under this policy; (d)where, as part of your application, we asked you to provide us with evidence of your previous insurance cover on request, and you do not provide it to us within 6 weeks after we requested you to do so; (e)where necessary to comply with any applicable laws or regulations; (f) you fail to pay your monthly premium when due; or (g)when you reach age 65. (ii) We may cancel your insurance cover by giving not less than 90 days’ notice: (a)in the unlikely event that for any of the reasons listed in Section 13 we expect to experience unsustainable losses for the particular country or market sector that applies to your policy; or (b)if we decide for reasons of strategy or cost that it is no longer viable for us to continue to provide cover within the particular country or market sector that applies to your policy. (iii)Any decision to cancel cover will not be made at an individual level and will not be based on whether you have made a claim, except in cases of dishonesty or exaggerated behaviour, misrepresentation or when asked, failure to disclose a material fact by you (or by someone acting on your behalf). (iv)Cancellation of your policy will not affect your entitlement to claim for any event occurring before the date of cancellation, except in cases of dishonesty or exaggerated behaviour, misrepresentation or when asked, failure to disclose a material fact by you (or by someone acting on your behalf). (v) In the event that the relationship between Argos and us terminates, your insurance cover may terminate on the monthly renewal date of your policy which will be notified to you by Argos on not less than 60 days’ notice. 13. Premiums (i)Each monthly premium covers you for one month. Your monthly premium will be calculated using the premium rate. (ii)This policy has a reviewable premium rate, which means that the premium rate applicable to your policy may change subject to us giving you 60 days’ notice. We will only consider changes to the premium rate, arising from one or more of the following: (a)changes due to new information arising from our own experience suggesting that future claims experience is likely to be better or worse than previously assumed. This information includes changes to the number of claims we expect to pay, changes to the average expected duration of our claims payments or changes to the average expected amount paid per claim; (b)changes due to new information arising from external sources such as general industry, population or reinsurer experience suggesting that our future claims experience is likely to be better or worse than previously assumed. This includes industry or general population unemployment experience; (c) relevant changes to our previous assumptions in relation to: (i) expenses related to providing the insurance; (ii) policy lapse rates which means the average time policies are held; (iii) interest rates; (iv) tax rates; or (v) the cost of any legal or regulatory requirements. (iii) Any changes to your premium rate we make will not: (a)be made as a result of any reason other than changes in the assumptions mentioned above; (b)be based on whether you have made a claim; or (c) be made to recover any previous losses. (iv) We will review your premium rate at least annually and you will be given at least 60 days’ written notice, at your last known address, of any alteration to the premium rate under this policy unless the change is due to legislative, tax or regulatory requirements. If your premium is changed due to legislative, tax or regulatory requirements, then HIS may not be able to give you 60 days’ notice. (v) We may review your premium rate more frequently than annually if it becomes necessary due to significant changes in any of the assumptions referred to above. Except where your premium rate is changed due to legislative, tax or regulatory requirements, the minimum period between consecutive premium rate changes will be 180 days. (vi) As a result of the premium rate review, the corresponding monthly premium may go up, stay the same or go down, and there is no limit to the amount of any change. (vii)If we change your premium rate and you do not wish to continue your cover you should contact Argos to cancel your policy. (viii) If, during a claim, you cancel your policy or fail to pay the monthly premium when due, we will continue to pay the monthly benefit provided that the claim was made prior to the date on which you cancelled or first failed to pay the monthly premium when due. You will not, however, be covered for any new claim made on or after that date. (ix)The policy premium will be automatically added to your Argos store card. This will be treated as a purchase transaction. This means that where interest is due on the transaction it will be charged at the standard rate of interest charged under your credit agreement. (x) When collecting and refunding premiums, HIS does so on our behalf. 14. Terms and conditions (i) We may vary or waive the terms and conditions of this policy to reflect changes in the assumptions set out in Section 13 (ii) (c) above which is used to design and price your cover. Such changes may have the effect of increasing or reducing the cover previously provided under this policy. (ii) When changing your terms and conditions we will only consider any future impact of changes in one or more assumptions due to the reasons set out in Section 13 (ii) (c) above. (iii) In addition, we may also vary or waive your terms and conditions to: (a)improve your cover; (b)comply with any applicable laws or regulations; (c) reflect any changes to taxation; (d)correct any typographical or formatting errors that may occur. (iv) You will be given at least 60 days’ written notice to your last known address of any alteration to the terms and conditions of cover under this policy unless the change is due to legislative, tax or regulatory requirements. If your cover is changed due to legislative, tax or regulatory changes, then HIS may not be able to give you 60 days’ notice. (v) Except where the terms and conditions of cover under this policy are changed due to legislative, tax or regulatory changes, the minimum period between consecutive changes will be 180 days. (vi) Any changes to your terms and conditions we make will not: (a)be made as a result of any reason other than changes in the assumptions mentioned in Section 13 (ii) (c) or for the reasons set out in Section 14 (iii) above; (b)be based on whether you have made a claim; or (c) be made to recover any previous losses. (vii)If we vary or waive your terms and conditions and you do not wish to continue your cover you should contact Argos to cancel your policy. 15. End date All cover under this policy and all benefits will automatically end on the earliest to occur of the following: (i) the date your agreement ends; (ii)the earlier of the date you reach 65 years of age. However, if you are claiming a benefit from this policy and you reach 65, the claim will continue until the end of your claim period but monthly premiums will cease at age 65. Following the end of the claim, the policy will end; (iii)the date you permanently retire (not applicable to life or purchase protection cover); (iv) the date you die; (v) the date you fail to pay the monthly premium when due; (vi)the end of month (for which the monthly premium has been paid and accepted by us) in which your store card is cancelled, withdrawn, expired or is not renewed by Argos; or (vii)the date you cancel your insurance as set out under the terms of this policy; (viii)the date we cancel your policy in accordance with Section 12 “Our right to cancel”; (ix)the date you cancel your policy. However if you are already receiving benefits for a valid claim, we will continue to pay the monthly benefit provided that: 13 18/02/2014 15:26 (a)the event leading to your claim occurred prior to the date you cancelled your policy or the date the monthly premium was not paid when due; and (b)cancellation was not due to dishonesty or exaggerated behaviour, misrepresentation or when asked, failure to disclose a material fact by you (or by someone acting on your behalf). You will not be covered for any new claim arising after the policy ends. 16. General conditions (i) You must respond honestly to any request for information we make when you take out cover under this policy, or apply to vary your cover under this policy. In the event that any statement of fact you make is untrue or misleading, this may affect the validity of your policy, and whether you can make a claim. (ii)If we make any payments as a result of dishonesty or exaggerated behaviour by you (or by someone acting on your behalf) you will no longer be entitled to any benefits under this policy and we may demand that any payments made by us are paid back. We may take legal action against you for the return of such monies and we may demand that you reimburse us for any costs incurred. (iii) We have a regulatory obligation to prevent fraud. In the event of a claim, any information you have supplied relevant to this insurance and on the claim form, together with other information relating to the claim may be shared with other insurers in order to prevent fraudulent claims. (iv) The monthly benefit cannot be paid to anyone else or in any way other than as described in this policy. (v)When your cover under this policy ends it will not have a surrender or cash value. (vi) Other than for the provisions provided for a breadwinner, the rights given under this policy cannot be transferred to anyone else. (vii) A person who is not a party to the contract of insurance set out in this policy shall have no rights under the Contracts (Rights of Third Parties) Act 1999 (the “Act”) to enforce any term of this policy provided that this shall not affect any right or remedy of any person which exists or is available otherwise than pursuant to the Act. (viii) We are covered by the Financial Services Compensation Scheme (FSCS). If we are unable to meet our liabilities to you, you may be entitled to compensation from the FSCS. Further information is available from their website: www.fscs.org.uk (ix)This policy is governed by English law. Any legal proceedings will be held in the courts of England and Wales unless you live in Scotland, Northern Ireland, the Channel Islands or the Isle of Man, in which case you will be entitled to commence legal proceedings in your local courts. (x) We will use the English language in all documents and communications relating to this policy. (xi) To improve the quality of our service, we will be monitoring and recording some telephone calls. (xii)Failure to comply with any condition of this policy may result in the suspension or the stopping of monthly benefit. 17. Enquiries and complaints Step 1 (a) Administration Complaints – Argos handles complaints regarding general administration on our behalf. If you are unhappy with the general administration of the policy or have cause for complaint you should contact Argos by telephone or in writing by letter or email to: Customer Care Team Argos Card Services Limited Thynne Street, Bolton BL11 1AS Tel: 0845 640 0700 14 15870_Argos Coversafe Policy update AW.indd 14-15 The Argos Customer Services Team will tell you what Argos will do to resolve your concerns and how long it will take. If Argos is unable to resolve your complaint to your satisfaction you may refer it to the Financial Ombudsman Service (FOS) to consider using the address below. (b) Claims Complaints – If you have a complaint about a claim you have made please contact: Customer Relations Manager, Cardif Pinnacle* Pinnacle House, A1 Barnet Way Borehamwood, Hertfordshire WD6 2XX Telephone 0844 801 2174 Step 2 Should you remain dissatisfied with the outcome of any internal enquiries, you have the right to refer your complaint to: The Financial Ombudsman Service (FOS) South Quay Plaza, 183 Marsh Wall, London E14 9SR This procedure will not prejudice your right to take legal proceedings. However, please note that there are some instances when the FOS cannot consider complaints. A leaflet detailing our full complaints/appeals process is available from us on request. *Cardif Pinnacle is a trading style of Pinnacle Insurance plc. Pinnacle Insurance plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. 18. Definitions The following words and phrases will have the following meanings where they appear in bold type. “accident” means a bodily injury which prevents you from doing your normal occupation (or any job which you are able to do, given your experience, education or training) and for which you are receiving treatment from a doctor. If you are self-employed, you must not be receiving any form of payment from or be helping, managing or carrying on any part of the running of the business whilst you are claiming; “account” means the account maintained by Argos under the agreement; “agreement” means a credit agreement including all payment plans such as Buy Now Pay Later between you and Argos in relation to which we have agreed to provide insurance cover under this policy; “Argos” means Argos Card Services Limited which is an appointed representative of Home Retail Group Insurance Services Ltd (HIS); “balance outstanding” means the amount outstanding on the account at the statement date or your authorised credit limit (whichever is lower) immediately preceding the date your accident occurs, the commencement of your sickness, unemployment, or death, subject to a maximum of £15,000; “breadwinner” means a United Kingdom, Channel Islands or Isle of Man resident who is nominated by the principal cardholder under Section “Important Information” on page 7 of your policy booklet and who is; (i)in full-time employment or self-employed for at least 3 continuous consecutive months immediately prior to the start date; (ii) aged 18 or over and under 65; (iii) earning a higher income than you; and (iv) your partner. “ceased trading” means where you have involuntarily ceased trading as a result of your business having insufficient assets to meet its debts and liabilities and: (i) final closing accounts for your business have been prepared and submitted to HM Revenue & Customs (HMRC); or (ii) your business has been placed in the hands of an insolvency practitioner; or (iii) your business is a partnership which has been or is being dissolved and final closing accounts have been prepared or are being prepared and submitted to HMRC. If you live and work in the Channel Islands or the Isle of Man then in respect to any clauses relating to HMRC, the local equivalent shall apply. “condition” means any sickness, disease or injury (or symptoms of any of these) whether or not it results in a diagnosis; “consultant” means a medical specialist who has expertise in the condition or symptoms you are claiming for and is registered under the Medical Act 1983, as amended. A consultant must be a member of a recognised Royal College (for example, the Royal College of Surgeons) and is recognised by that Royal College to be a consultant. It does not include you, your partner, a relative or someone who lives with you; “demands and needs letter” means a document which includes the level of cover selected by you; “doctor” means a fully qualified medical practitioner registered with the General Medical Council and working in the United Kingdom, the Channel Islands or the Isle of Man. A doctor confirming your accident or sickness when you are making a claim, cannot be you, your partner, a relative, close friend or someone who lives with you; “elective surgical procedure” means a procedure undertaken solely at your request which is not medically necessary to sustain or maintain your quality of life; “end date” means the date when your insurance ends as set out in Section 15; “fixed-term contract” means working for at least 16 hours a week under a contract of employment, for a fixed duration or for a specific task, directly with an employer. You must be receiving a salary or wages and paying National Insurance contributions. “full-time employment” means working for at least 16 hours a week under a contract of employment that does not have a fixed or implied end date. You must be receiving a salary or wages and paying Class 1 National Insurance contributions. If you live and work in the Channel Islands or the Isle of Man, in respect of any Sections which refer to Class 1 National Insurance contributions, the local equivalent shall apply; “HIS” means Home Retail Group Insurance Services Ltd (HIS), Avebury, 489-499 Avebury Boulevard, Saxon Gate West, Milton Keynes MK9 2NW who is our administration provider for queries, amendments and cancellations; “immediate family” means your partner, parent or child or step child whom you currently live with and have lived with for at least 1 year, or from birth if they are aged below one; “insured article” means any article purchased by you during the period of insurance using your credit agreement. Gift vouchers or telephone vouchers or other Argos vouchers are excluded. “monthly benefit” means 15% of the balance outstanding, subject to maximum of £1,000; “monthly premium” means the monthly sum payable by you each month for insurance cover under this policy; “normal pregnancy” means symptoms which normally accompany pregnancy which are of a minor and/or temporary nature (such as morning sickness and dizzy spells) and which do not represent a significant medical hazard to mother or baby; “partner” means a spouse, civil partner, partner of the same or opposite sex with whom you currently live with and have lived with for a continuous period of at least 1 year; “permanently retire” means retirement where you have told us, or we have evidence that you have no intention of returning to full-time employment, self-employment or fixed-term contract work, or of obtaining any further work; “period of insurance” means the period after the start date and before the end date for which you have paid the monthly premium; “policy” means the terms and conditions set out in this document; “premium rate” means a cost per £100 of the outstanding balance at the statement date on your Argos store card agreement in the applicable month; “regular care and attendance” means that you are under the regular care and attendance of your doctor for your accident or sickness; “self-employed/self-employment” means working for an income for at least 16 hours a week, paying Class II National Insurance contributions (where appropriate) or contributions in accordance with corresponding provisions under the legislation of the Channel Islands or the Isle of Man and are: (i)helping with, managing or carrying on a business and liable to pay tax charged under section 5 of the Income Tax (Trading and Other Income) Act 2005 in the United Kingdom or corresponding provisions relating to the taxation of income from selfemployment under the legislation of the Channel Islands or the Isle of Man; or (ii) a partner in a partnership; or (iii) a person who exercises direct or indirect control over a company. “sickness” means an illness or sickness which prevents you from doing your normal occupation (or any job which you are able to do, given your experience, education or training) and for which you are receiving treatment from a doctor. If you are self-employed, you must not be receiving any form of payment from or be helping, managing or carrying on any part of the running of the business whilst you are claiming; “start date” means the date you are accepted for this insurance cover; “statement date” means the day each month that Argos calculates a balance on the account for the purpose of calculating interest and the monthly payment due under the agreement; “unemployed/unemployment” means: (i) being entirely without paid employment (which includes the assisting, managing and/or the carrying on of any part of the day to day running of a business); and (ii)for the duration of the claim, being available for, and actively seeking work, being able to provide the documentation listed in Section 10 and registered with the: (a)Department for Work and Pensions Jobcentre Plus; or (b)Department for Social Development in Northern Ireland; or (c) States Insurance Authorities in the Channel Islands or a European Union member state; or (d)Department of Social Care in the Isle of Man; and (iii) you must have signed a Jobseeker’s agreement within the United Kingdom, or equivalent agreement in Northern Ireland, the Channel Islands, the Isle of Man or a European Union member state; (iv)if you are self-employed, you must have ceased trading and must provide the documentation listed in Section 10. “we, our, us” means Pinnacle Insurance plc who is the underwriter and claims administration provider of this policy. Cardif Pinnacle is a trading style of Pinnacle Insurance plc; “you, your” means the principal cardholder in the agreement who has been accepted for insurance cover under this policy, or the breadwinner if you have chosen to nominate one. The singular will include the plural and vice versa. Within this policy, headings are only included to help you and do not form part of the insurance contract. 15 18/02/2014 15:26 Important information from Home Retail Group About our Insurance Services Home Retail Group Card Services Ltd, Royal Avenue, Widnes WA88 1AL Which service will we provide you? We will always aim to ensure that you have sufficient information to make an informed decision. For internet applications you will not receive advice on whether this product is suitable for your needs. If you apply over the telephone we will assess your demands and needs and make a recommendation based on them. What will you have to pay us for our services? There will be no fee for our services. Who regulates us? Home Retail Group Card Services Ltd is an appointed representative of Home Retail Group Insurance Services Ltd (HIS), Avebury, 489-499 Avebury Boulevard, Saxon Gate West, Milton Keynes MK9 2NW, who are authorised and regulated by the Financial Conduct Authority. The Financial Services Register number for Home Retail Group Insurance Services is 314050. Home Retail Group Card Services and HIS are part of the same group of companies Home Retail Group Insurance Services permitted business is arranging and administering general insurance contracts. You can check this on the Financial Services Register by visiting www.fca.gov.uk/register or by contacting the Financial Conduct Authority on 0800 111 6768 (freephone). Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the FSCS if we cannot meet our obligations to you. The amount of compensation depends on the type of insurance business. Most types of insurance business are covered for 90% of the claim, without any upper limit. Further information about compensation arrangements is available from the FSCS, telephone number 020 7741 4100. Premiums and Payments HIS holds all premiums, refunds and benefits payable under and in connection with purchase and payment protection insurance as an agent on behalf of Pinnacle Insurance plc. Change of Insurer In the event that our relationship with Pinnacle Insurance plc terminates, we may change the insurance company underwriting your cover. We shall provide you with 60 days’ notice of any such change and inform you of any material effect on your policy cover. You consent to any replacement insurer sending you an offer of insurance directly for such new cover. You can opt out of/reject this offer by contacting Home Retail Group, otherwise you consent to your cover automatically transferring to the replacement insurer. ACO232/Coversafe/15870/0214 What to do if you have a complaint? We do hope that you will be happy with the service that we provide in relation to this insurance. However, if for any reason you are unhappy we would like to hear from you, please contact our Customer Service Department on 0845 640 0700 or at the address at the top of the page. If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service. 16 15870_Argos Coversafe Policy update AW.indd 16 18/02/2014 15:26