Plan B for Multiple Cards – Guide to Insurance

About Plan B for Multiple Cards

Policy summary

Introduction

This Policy Summary is designed to provide you with the key facts about the cover available in Plan B. It does not contain the full terms and conditions of the policy, which can be found in the Policy Document. The Insurance that you select will be confirmed in the Policy Schedule, which will be sent to you once your application has been completed.

Plan B is payment protection insurance and is designed to help pay your credit and store card balances in the event of death, accident, sickness or involuntary unemployment (depending on the cover and amount of benefit you select).

The Insurer is Barclays Insurance (Dublin) Limited and /or Barclays Assurance (Dublin) Limited. In this Policy Summary ‘we/us’ refers to the Insurer.

Who is eligible?

Cover is available to customers who are employed, aged over 18 and under 70 and resident in the UK at the start date of the insurance policy.

What is covered and what is not covered?

The following table provides a summary of the cover available.

Not all cover types may be relevant to you; the cover you select will be confirmed on your Policy Schedule when your application is completed.

Cover available	Qualifying conditions	Benefits in brief	Significant or unusual exclusions and limitations in brief
Accident and Sickness (See section 1a of the Policy Document for full details).	You being in receipt of a doctor’s certificate for an accident or sickness of at least 14 consecutive days. You must also produce confirmation from your employer for your absence from work (if applicable). You are under the regular care and attendance of a doctor.	The policy will pay the daily equivalent amount of the monthly benefit for each day of your accident or sickness. The monthly benefit is 10% of the protected sum. The maximum we will pay is the monthly benefit for a maximum duration of 12 months.	Any condition, injury, illness, disease or sickness for which you had symptoms, consulted a doctor or received treatment or received medication during the 12 months prior to the start of the insurance cover. Deliberate self-inflicted injuries, such as those arising from alcohol consumption, drug abuse or elective cosmetic surgery.
Involuntary Unemployment (See section 1b of the Policy Document for full details).	You being unemployed for at least 14 days no sooner than 60 days from the start date of the cover. You must be continuously working for 6 months immediately prior to the claim.You are available for and actively looking for work.	The policy will pay the daily equivalent amount of the monthly benefit for each day of continuous unemployment. The monthly benefit is 10% of the protected sum. The maximum we will pay is the monthly benefit for a maximum duration of 12 months.	Any unemployment as follows: - That was known about before the start date; - That was voluntary, including resignation, retirement or arises due to misconduct; - That arises following seasonal/temporary work. - That follows the expiry of a fixed-term contract.
Life (See section 1c of the Policy Document for full details).	Your death.	The policy will pay the protected sum.	Death from suicide within 12 months of cover being taken out.

 

You are not covered for anything that is:

a) material to your claim and that you did not tell us about, prior to purchasing this insurance (cover for anything you do tell us about is always subject to the terms and conditions of your policy documents), or
b) caused by deliberate or illegal acts on your part.

You will only be able to claim one type of benefit at a time. We have the right not to pay benefits for claims that are directly or indirectly caused by riot, terrorism, war or any similar event, nuclear radiation, ionising radiation or the dangerous properties of any nuclear equipment.

You select the protected sum, subject to it not exceeding £15,000. However the monthly benefit (which is calculated as 10% of the protected sum) must not exceed 50% of your normal gross monthly income at the time of application.

What happens if I want to cancel this cover?
If, after taking out Barclaycard Plan B and reading the Policy, you decide you do not want to continue with the insurance please contact Barclaycard on 0844 811 9111* or return your Policy Document to: Barclaycard, PO Box 5592, Northampton NN4 1ZY. If you do this within 30 days of receiving your Policy Document, we will cancel your Policy and give you your money back and you will not be eligible to make a claim under the Policy.

You may cancel your Policy after the first 30 days by giving us 30 day's notice by contacting the number above, in writing to the above address or to the Insurer at P.O. Box 586, Shannon, Co Clare, Ireland.

An alternative version of Plan B is available which can protect your variable Barclaycard balance each month. If you feel that this product might be of interest to you, and would like to discuss it with us, please call us on 0844 811 9111*.

What is the Duration of this insurance?
Unless you cancel this insurance, cover will last until you reach age 70 as long as you continue paying premiums and those premiums are accepted by us, or until we pay Life Benefit. Where applicable you may need to review and update your cover periodically to ensure it remains adequate.

If you want to change your cover due to a change in your circumstances (for example, you permanently leave employment), you can do this by contacting Barclaycard on 0844 811 9111* or the Insurer on 0500 500 700*.

You may cancel the cover as shown above and we may cancel your Policy or change your Policy terms and conditions by giving you 30 days’ notice in writing.

How much does this insurance cost?
The cost of this insurance is detailed in your Policy Schedule and is inclusive of Insurance Premium Tax (IPT). The premium is a fixed amount based on the cover you have selected and the amount you chose to protect, regardless of the actual card balances, and will be paid by direct debit from your nominated bank account. You must continue to pay your monthly premium while claiming any benefit under your Policy. We will review the cost of the cover, at least annually and we may change the rate of your monthly premium by giving you 30 days’ notice in writing.

Barclaycard Plan B is optional, and is not a condition of obtaining credit from Barclays.

How do I make a claim?
If you need to make a claim please read the relevant section for the cover that you are claiming under and ensure none of the exclusions apply to you. If you meet all the conditions, please phone us on 0500 500 700*

Please note, you will need to provide the following information to support your claim (as applicable):

We will endeavour to assess your claim within 48 hours. You must provide and pay for any proof that is required to support your claim. See section 2 of the Policy Document for full details.

How do I find out more or make a complaint if I am dissatisfied?
You can complain regarding the insurance by contacting the Insurer by telephone on 0500 500 700* or by writing to The Customer Services Team at P.O. Box 586, Co. Clare, Ireland. A leaflet detailing how they deal with complaints is available upon request.

If you cannot settle your complaint, you may be entitled to refer it to the Financial Ombudsman Service, Customer Contact Division, South Quay Plaza, 183 Marsh Wall, London E14 9SR. Telephone: 0845 080 1800.

Any complaints may be raised without affecting your right to commence legal proceedings.

Am I entitled to Compensation if the insurer cannot meet its obligations?
Barclays Bank PLC is covered by the Financial Services Compensation Scheme (FSCS). Barclays Insurance (Dublin) Limited and Barclays Assurance (Dublin) Limited are also covered by the FSCS which means you may be entitled to compensation from the scheme if they cannot meet their obligations. This insurance contract is covered for 100% of the first £2,000 and 90% of the remainder of the claim. You can get more information about the compensation scheme arrangements by contacting the FSCS on 020 7892 7300 or by visiting their website at www.fscs.org.uk.

This item can be provided in Braille, large print or audio by calling 0800 400 100* (via TextDirect if appropriate) or by ordering online from www.barclays.co.uk

*To keep a high quality of service, your call may be monitored or recorded for training and security. Calls to 0870 numbers are charged at the National rate. Calls to 0500 and 0800 numbers are free when calling from a UK landline. Charges may apply when using a mobile phone or when calling from abroad.

Plan B for Multiple Cards – Sample Policy Document

Together, the Policy Document and the Policy Schedule make up your Policy. This is your Policy Document. It contains the full contractual terms and conditions and gives details of all of the covers available under Plan B. The Policy Schedule confirms the details of the insurance you have selected

You should read your Policy Document and your Policy Schedule carefully to ensure that you are eligible for the cover and that you understand what the insurance does and does not cover. You should keep your Policy in a safe place. The words that appear in bold in this Policy Document have specific meanings and these are defined in section 12 of this Policy Document.

Plan B is payment protection insurance and is designed to help pay your credit and store card balances in the event of death, accident, sickness or involuntary unemployment (depending on the cover and the amount of benefit you selected).

This insurance is underwritten by Barclays Insurance (Dublin) Limited for any unemployment, and accident and sickness benefits and by Barclays Assurance (Dublin) Limited for any life benefits

Barclays Insurance (Dublin) Limited and Barclays Assurance (Dublin) Limited each have their Registered Offices at Two Park Place, Hatch Street, Dublin 2, Ireland, with Registered Numbers 265959/60. Both are regulated by the Financial Regulator (FR). Barclays Bank PLC has an indirect 100% shareholding in Barclays Insurance (Dublin) Limited and Barclays Assurance (Dublin) Limited. Barclays Bank PLC is authorised and regulated by the Financial Services Authority (FSA).

For the purpose of this Policy Document, the Insurers are together referred to as we/us.

What to do if you change your mind, or need to cancel the insurance.

If, after taking out Plan B and reading the Policy, you decide you do not want to continue with the cover, please contact Barclaycard on 0844 811 9111* or return your Policy Document to: Barclaycard, PO Box 5592, Northampton NN4 1ZY.
If you do this within 30 days of receiving your Policy Document, we will cancel your Policy and give you your money back and you will not be eligible to make a claim under the Policy.
You may cancel your Policy at any time after the first 30 days by giving 30 days notice by contacting the number above, or in writing to the above address or to us at P.O. Box 586, Shannon, Co Clare, Ireland.

YOUR POLICY SCHEDULE CONFIRMS THE COVER YOU HAVE SELECTED.

1. Cover Available

1a Accident and Sickness Cover

What is covered?

To qualify: You are working and an accident or sickness (which you first had after the start date of the policy), prevents you from doing your normal work and for which you have a doctor’s certificate for a period of at least 14 consecutive days confirming you are unable to work. You must also produce confirmation from your employer of your absence from work. You will need to be under the regular care and attendance of a doctor for benefits to continue. The accident or sickness must stop you from doing your normal job or any other paid work or temporary work which your experience, education or training reasonably qualifies you to do. (If you are unemployed at the time of the claim, the accident or sickness must prevent you from actively looking for work). If you are self-employed, the accident or sickness must stop you from managing or carrying out any part of the day-to-day running of the business.

Benefit Payable: We will pay the daily equivalent amount of your monthly benefit for each consecutive day that you are unable to work, payable from the first day of your accident or sickness.

Benefit Duration: We will continue to pay this benefit until: - the date you return to work; or - the date from which you are no longer in receipt of a doctor’s certificate to support your claim; or - we have paid your benefit for 12 months; or - the end date; whichever happens first.

Benefit maximum: The maximum we will pay is the monthly benefit for a maximum duration of 12 months.

What is not covered?

We will not pay benefit for an accident or sickness that is the result of any of the following:
- any condition, injury, illness, disease or sickness for which you had symptoms, consulted a doctor, received treatment or received medication during the 12 months immediately before the start date, (However, if at the time of the claim, you have been symptom free and have not consulted a doctor or received treatment in the 2 year period immediately before the claim this exclusion will not apply); - deliberate self-inflicted injuries, including but not limited to:

Accident or sickness benefits will only be payable once you have consulted a doctor and are in receipt of a certificate confirming the nature of your accident or sickness. (You will need to be certified for a period of 14 days before any benefit is payable, however the first 7 days can be self-certified).

Subsequent claims or claims where the condition or cause changes

We will consider claims that happen within 3 months of a previous claim, and which arise from a related condition, or which existed at the same time as the previous condition, as being part of the original claim. We will continue to pay this claim as long as the aggregate amount is not more than the maximum benefit we pay.

1b Involuntary Unemployment Cover

What is covered?

To qualify: You are working and become continuously unemployed for 14 days or more, no sooner than 60 days after the start of the policy. You are registered for work with the Department for Work and Pensions or another relevant agency in your country of residency and in receipt of a form of Jobseeker’s Allowance as defined by the relevant legislation or regulations and in receipt of credits for National Insurance contributions because you meet the conditions for Jobseeker’s Allowance; or If you are not eligible for Jobseeker’s Allowance, e.g. you are in receipt of Income Support Benefit, or Widow’s Pension, or Single Parent Allowance, you must provide satisfactory evidence from prospective employers that you are seeking work.

Benefit Payable: We will pay a daily equivalent amount of your monthly benefit for each consecutive day that you are unemployed, payable from the first day of your unemployment.

Benefit Duration: We will continue to pay this benefit until: - the end date; or - the date you retire; or - you are no longer unemployed; or - you are no longer available for, and actively looking for work (or are unable to provide evidence that you are); or - we have paid your benefit for 12 months; whichever happens first.

Benefit maximum: The maximum we will pay is the monthly benefit for a maximum duration of 12 months.

What is not covered?

We will not pay benefit for unemployment that occurs under any of the following circumstances:
- where you knew you were going to be made unemployed, or you had reason to believe that it was likely to happen, at the start date; or
- where you have not been in continuous work for 6 months with one or more employers immediately before your employment ended (if you were not working for 2 weeks or less, we will not count this as a break in your employment); or
- your conduct (including misconduct such as fraud, illegal activity, dishonesty or anything that led to or might have led to a disciplinary procedure), your resignation, any unemployment of a voluntary nature, or where you have taken early retirement; or
- where your work is seasonal or temporary and in both cases unemployment is a regular feature of your work; or
- where a fixed-term contract reaches its expected expiry date unless you have an employment history with your employer and none of the above circumstances apply.

Subsequent claims

If you become unemployed (for example following a period of temporary work) within 3 months of a previous claim and we have not paid the maximum aggregate amount allowed, we will consider your claim as being part of the original claim. We will continue to pay this claim as long as the aggregate amount is not more than the maximum benefit we pay. We will waive the requirement to be continuously employed for claims that occur within 6 months of a previous claim.

1c Life Cover

What is covered?
If you die after the start date and before the end date, we will pay the Protected Sum, at which stage all cover will cease.

What is not covered?
We will not pay Life benefit if your death is the result of suicide and your death occurs within 12 months of the start date.

1d General Exclusions applying to Accident and Sickness, Unemployment and Life cover
You are not covered for anything that is:
a) material to your claim and that you knew but did not tell us about prior to purchasing this insurance (cover for anything you do tell us about is always subject to the terms and conditions of your Policy Documents); or
b) caused by deliberate or illegal acts on your part.

You will only be able to claim one type of benefit at a time.

We have the right not to pay benefit for claims that are directly or indirectly caused by riot, terrorism, war or any similar event, nuclear radiation, ionising radiation or the dangerous parts of any nuclear equipment.

2. If you need to claim

If you need to claim please read the relevant section for the cover that you are claiming under, as shown in section 1 of this Policy Document and ensure none of the exclusions apply to you. If you meet all the conditions, please follow the steps below to register your claim:

Step 1:    Please phone us on 0500 500 700*
Step 2:    We will take the details of your claim and register the claim (and, where possible, give you a decision) over the phone, or we will send you a claim form, which you should complete in full and provide the relevant additional information (in English) to support your claim (as applicable):
Accident or Sickness claim – A Doctor’s certificate confirming your condition and your Employer’s confirmation of your absence from work (if applicable).
Involuntary Unemployment claim – Certification from the Department for Work and Pensions (or equivalent agency in your country of residence) of Jobseekers Allowance (JSA), or if you are ineligible for JSA, alternative evidence that you are actively looking for work and your employer’s confirmation of involuntary unemployment (if you are self-employed this will be evidence from your Accountant or Tax Office that your business has ceased to trade).
Life claim – A copy of your death certificate will be required from your representative. You must provide and pay for any proof that is required to support your claim.
Step 3:     Return the claim form with the required evidence and certification and we will endeavour to assess your claim within 48 hours.
Step 4:     We will contact you (or your representative in the event of your death) by telephone or in writing to advise of our decision about your claim. If we have accepted your claim, we will pay it promptly.
Step 5:     We will send you a continuing claim form each month and, if approved, we will pay the benefit each month, until you advise that you no longer qualify to claim or until the claim is fully paid, whichever is sooner.

3. Premium for your cover

Your monthly premium includes Insurance Premium Tax (IPT) at the rate that applies at the date of payment. The cost of the cover you have selected is outlined in your Policy Schedule. The premium is a fixed amount based on the benefit level selected, regardless of the actual card balances and will be collected monthly in arrears from your nominated bank account. You must continue to pay your monthly premium whilst claiming benefit. We will review the cost of the cover, at least annually and we may change the rate of your monthly premium by giving you 30 day's notice in writing.

4. Duration of your cover

This Policy may continue as long as you continue to pay monthly premiums and we accept those monthly premiums. All cover and all relevant benefit payments provided by this cover will stop on the end date.

You may cancel your insurance at any time. Please refer to the section on page 1, ‘What to do if you change your mind, or need to cancel the insurance’ for details.

We may cancel your insurance or change your policy terms and conditions by giving you 30 day's notice in writing. This does not affect your rights in respect of a claim arising prior to the cancellation date of your Policy.

5. Changing your monthly benefit or cover

We recommend that you review your cover and the amount you have protected on a regular basis to ensure they continue to meet your circumstances. If you want to change your cover due to a change in your circumstances (for example, you permanently leave employment), you can ask us to change the cover chosen at any time by contacting Barclaycard on 0844 811 9111* or us on 0500 500 700*. Within 28 days of receiving your request, we will tell you the new monthly premium and confirm the amendment date. If you change the cover or the benefit amount whilst claiming benefit, the change may affect your entitlement to the payment of any benefits due.

The exclusions and limitations outlined in section 1 of this Policy Document will be applied to any increase in the monthly benefit or new cover from the amendment date. If any of these exclusions apply, you will not be eligible to claim under the policy for that increase in monthly benefit or cover, however we will assess the claim on the basis of the benefit to which you were entitled before the amendment date.

6. Complaints and feedback

If you have any questions or complaints about this policy, please contact us by calling 0500 500 700*, or write to the Customer Services Team at Barclays Insurance (Dublin) Limited by faxing 0870 400 4865* or by writing to us at PO Box 586, Shannon, Co. Clare, Ireland.
If you are still not satisfied or you feel we have not fully dealt with your complaint, please write to: The Managing Director, Barclays Insurance (Dublin), PO Box 586, Shannon, Co. Clare, Ireland.
If, after consulting the Managing Director, you are still not satisfied that we have fully dealt with the matter, you may be entitled to refer it to the Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR (phone: 0845 080 1800).
Any complaints may be raised without affecting your right to commence legal proceedings.

7. Material facts

Some of the information you give us about yourself is known as ‘material facts’. These are facts, which we think are likely to affect the risk of insuring you. Information you give or which is given on your behalf in your application form, claim forms or other documents must be accurate, particularly information about your age, sex, medical history, health, job and where you live. If it later becomes clear that a material fact was not accurate or was left out (whether deliberately or not), we have the right to cancel this policy, or to refuse to pay a claim. You are obliged to notify us of any changes to material facts, or inaccuracies, you have previously provided throughout the duration of the insurance.

8. Compensation scheme

Barclays Bank PLC is covered by the Financial Services Compensation Scheme (FSCS). Barclays Insurance (Dublin) Limited and Barclays Assurance (Dublin) Limited are also covered by the FSCS in respect of UK risks which means you may be entitled to compensation from the scheme if we cannot meet our responsibilities. This insurance contract is covered for 100% of the first £2,000 and 90% of the rest of the claim. You can get more information about the compensation scheme arrangements by contacting the FSCS on 020 7892 7300 or by visiting their website at www.fscs.org.uk.

9. Governing law

The law of England and Wales will apply to this Policy, unless we make a written agreement with you saying otherwise before the Policy is issued. The Contracts (Rights of Third Parties) Act 1999 will not apply to this Policy.

10. Data protection

You have a right to see your personal information, which we hold. There is a charge if you want to do this. For more details, write to The Data Protection Co-ordinator, PO Box 586, Shannon, Co. Clare, Ireland.
- Insurance administration
Information you supply may be used for administration purposes by us, or our associated companies and agents. We may pass the information to regulatory organisations, which will monitor whether we are keeping to regulatory rules or codes. Your information may also be used for research or for preventing crime. It may be transferred to any country (including countries outside the EU) for any of these purposes.
- Sensitive information
To assess the conditions of the insurance contract or claims that arise, we may need to collect information that the Data Protection Act defines as ‘sensitive’ (such as a person’s medical history or criminal convictions). By going ahead with this insurance, you give your permission to this information being processed by us or our associated companies or agents.
- Preventing fraud
We may make the information that you have provided, both at the time of applying for this insurance and on making a claim, available to other insurers for claims purposes. Insurers, lenders and their agents may also share information you have provided to them and may carry out checks against publicly available information as necessary.

11. Helpline for disabled customers
This item can be provided in Braille, large print or audio by calling 0800 400 100*, (via TextDirect if appropriate) or by ordering online from www.barclays.com

12. Definitions
Where the words below appear in bold in this Policy Document they will have the following meanings:

Contact Details

You may contact us by calling 0500 500 700*, by faxing 0870 400 4865 or by writing to Barclays Insurance (Dublin) Limited, PO Box 586, Shannon, Co. Clare, Ireland.

This item can be provided in Braille, large print or audio by calling 0800 400 100* (via TextDirect if appropriate) or by ordering online from www.barclays.co.uk

* To make sure we maintain a high-quality service, we may monitor or record phone calls. Calls to 0500 numbers are free when calling from a UK landline. Calls to 0800 numbers are free when calling from a UK landline. Charges for 0870 numbers are charged at National Rates. Charges may apply when using a mobile phone or when calling from abroad.