One monthly benefit payable after 30 days Unemployment and thereafter on a daily basis, monthly in arrears.

Two months Carer benefit paid via this credit card payment protection insurance policy after 60 days and then on a daily basis monthly in
      arrears.

Life and Terminal Illness benefit paid on death or diagnosis of a Terminal Illness.

There is a 3 month re-qualification period after each claim.

The risks of this credit card payment protection insurance policy are underwritten by Brit Insurance Limited in respect of disability and unemployment, and Sterling Life Limited in respect of Life and terminal illness.

Eligibility Criteria

You can apply for cover under this credit card payment protection insurance policy if on the start date:

You are taking out this credit card payment protection policy to insure your average monthly outstanding credit card balance(s); and

You are permanently resident in the United Kingdom; and

You are aged 18 or over at the start date and will not have passed the statutory retirement age (currently aged 65 for males and aged 60 for
      females) before the termination date of cover; and

You are actively working on the start date and when your credit card payment protection claim occurs, for no less than 16 hours each week;        and

You have been continuously employed for at least 6 months immediately prior to the start date of this credit card payment protection policy; and

Your place of work is within the United Kingdom ; and

You agree to abide by the terms and conditions of this credit card payment protection insurance policy.

You cannot be covered under this credit card payment protection insurance policy if on the start date:

You are not personally named on the credit card agreement(s); or

Prior to the commencement of this credit card payment protection insurance policy you are aware of any impending unemployment or
      disability which may affect you or you are aware of any circumstances which may result in you becoming a full time carer; or

You are in casual, temporary or seasonal employment.

you retire from work or reach the statutory retirement age, whichever is the earlier; or

you stop living or working in the United Kingdom; or

your premium payment is more than 30 days overdue;

Significant exclusions

In common with all similar credit card payment protection insurance policies, cover does not extend to the following:

Any condition or disease which was known at the start date or for which you have received treatment or advice during the 12 months
      before the start date.

Temporary or seasonal unemployment.

Expiry of fixed term contracts (unless you have been employed on a renewable fixed term contract with the same employer for more than 2
      consecutive years or on an annual contract which has been renewed).

Impending or voluntary unemployment or early retirement.

Dismissal due to misconduct or breach of contract.

Disability due to stress, Aids or HIV, nervous disorder or backache unless a consultant certifies the condition solely prevents you from working.

Self inflicted injuries, drug or alcohol abuse, attempted suicide or treatment that is not medically necessary, including cosmetic surgery.

Pregnancy, unless a medical complication occurs.

Periods of claims whilst outside the UK for a period of more than 90 days.

Claims for unemployment that occur within the initial exclusion period of this credit card payment protection insurance policy.

Claims for diagnosis of Terminal Illness that occur within the initial exclusion period of this policy.

Credit Card Payment Protection Claims Procedure

In the unfortunate event of you becoming Disabled or made Involuntary Unemployed all you need to do is telephone the claims administration help line and all assistance will be provided.

In order to qualify for a claim you would need to be unable to work due to:

Unemployment for 30 consecutive days without interruption.

Accident & Sickness (Disability) for 14 consecutive days without interruption.

Hospitalisation for 7 consecutive days without interruption.

Being a full time carer with no other income for 60 consecutive days without interruption.

Complaints procedure

If you have any cause to complain, or you feel that we have not kept our promise, please follow the procedures below.

1. For complaints relating to the administration or claims handling of this insurance, except life or terminal illness, please write to the administrator.      When you do this quote your policy number, which is on your certificate of insurance.

If after this action you are still not satisfied with the way a complaint has been dealt with, for disability or unemployment you should contact Customer Relations at Brit Insurance Limited, 55 Bishopsgate, London EC2N 3AS, Telephone 0207 984 8789; or

2. For complaints concerning life or terminal illness cover you should contact the customer services manager at Sterling Life Limited, Ambassador
    House, Paradise Road, Richmond upon Thames, Surrey TW9 1SQ, Telephone 08702 242 390.

3. For complaints relating to the selling of this insurance please contact the sales agent from which this insurance was purchased. When you do this     quote your policy number, which is on your certificate of insurance.

If you still remain dissatisfied after following the above procedures in full, you can ask the Financial Ombudsman Service to review your case. Their address is Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR, Telephone 0845 080 1800.

Back to work service

This credit card payment protection insurance policy includes a confidential and independent back to work advice programme called Jobcare. This service is free and is provided by employment specialists PMA Limited.

Cancellation

You can cancel this credit card payment protection insurance within 30 days of the start date and any premium paid will be refunded, PROVIDED YOU HAVE NOT MADE A CLAIM UNDER THE POLICY. You can cancel this credit card payment protection insurance at any time thereafter by writing to the Administrator.

Insurers

The disability and unemployment insurance is underwritten by Brit Insurance Limited. Registered office: 55 Bishopsgate, London, EC2N 3AS. Registered in England number: 02763688, and who are authorised and regulated by the Financial Services Authority, registration number: 202898.

The life and terminal illness insurance is underwritten by Sterling Life Limited. Registered office: Ambassador House, Paradise Road, Richmond upon Thames, Surrey, TW9 1SQ. Registered in England number: 911235, and who are authorised and regulated by the Financial Services Authority, registration number: 202178.