Accident, Sickness and Unemployment Income payment protection insurance
CERTIFICATE OF INSURANCE
1. Introduction
1.1. This document outlines the details of the Choices Income
Protection Insurance policy. The policy provides cover if You become Incapacitated,
or Unemployed. However, You are only covered as long as You meet the conditions
of eligibility described below and You have paid the required Monthly Premium
for the level of cover You have chosen.
1.2. Facilities are available for customers
with hearing difficulties. Copies of this policy can be made available, on
request, in alternative media forms as required under the Disability Discrimination
Act 1995.
1.3. Please read this document carefully and make sure You are eligible
and that You know what the policy does and does not cover. If You have any
questions please contact the Administrator at the following address: Adminicle
Ltd, Callidus House, Cirencester Business Park, Love Lane, Cirencester GL7
1XD, or Telephone 01285 886600.
1.4. The maximum Monthly Benefit payable for
Income Protection under this policy is £1000 or 50% of Your Gross Monthly
Income whichever is the lesser. Please check Your policy schedule to ensure
the Monthly Benefit amounts You have chosen are correct.
1.5. In addition, the
maximum Monthly Benefit allowed under this and all similar insurances is 50%
of Your Gross Monthly Income. All benefits over 50% of Your Gross Monthly Income
will be deducted in the event of a claim.
1.6. We will pay Monthly Benefits
to You. We only pay You one type of benefit (Incapacity or Unemployment) at
a time.
1.7. Certain words and phrases have special meanings. These are explained
in the Definitions section of this document. Certain exclusions also apply
please see the individual benefit sections.
2. Insurance Contract
2.1. The policy is a legal contract between You and Us.
The application form, policy terms and conditions, the schedule, and any endorsement
make up the policy and You should read them together. The policy is based on
the information You give Us when You fill out Your application form.
2.2. You
are allowed a choice of law for this policy but unless We agree otherwise English
law will apply.
2.3. The insurer is Banker’s Insurance Company Limited
(a member company of Assurant Solutions) whose registered office is at 117-119
Whitby Road, Slough, Berkshire SL1 3DR, England.
3. Eligibility
3.1. You are covered under the policy if on the Start Date:
3.1.1. You are
at least 18 and under 65 years of age; and
3.1.2. You are actively Working (i.e.
not off sick) or away from Work on statutory maternity, paternity or adoption
leave; and
3.1.3. You are Working when You apply and have been for at least
6 months immediately before the Start Date; and
3.1.4. You are named on the
application form; and
3.1.5. We have accepted Your application; and
3.1.6. You are a permanent resident
in the UK.
3.2. If You are a Contract Worker and Employed under a fixed term
contract of Employment, You must meet the conditions above at the Start Date
and We will only consider Your cover under the Unemployment section in accordance
with the definition of Work.
3.3. If You reduce the time You are Working to
less than 16 hours a week, please tell Us. Your protection under the policy
is based on Your Employment.
3.4. You are not covered for any Pre-Existing
Medical Conditions, any Chronic Condition, or Unemployment before the Start
Date, which may cause You to claim for Incapacity or Unemployment. We may still
insure You but We will not pay benefits directly relating to any claim which
We consider You were aware of before the Start Date.
4. Definitions
Wherever the following words appear in this document they will
have the following meanings:
4.1. Accident/Accidental - A sudden identifiable
violent external event that happens by chance and which could not be expected.
4.2.
Administrator - Adminicle Ltd, Callidus House, Cirencester Business Park, Love
Lane, Cirencester GL7 1XD, or Telephone 01285 886600.
4.3. Certified - The Doctor/employer
must confirm the document is a true copy of the original and state their name,
the date and stamp it with their surgery/company stamp.
4.4. Choices - Choices
Insurance TABICL House, 1 Rectory Close, The Green, Tadley, Hampshire, RG26
3PH. Telephone: 0118 981 0203, Fax: 0118 981 5439 or email: enquiries@choices-insurance.co.uk.
4.5.
Chronic Condition - A Condition that occurs prior to the Start Date and that
continues indefinitely, or cannot be cured or eradicated and that recurs or
requires Treatment.
4.6. Condition - Any illness, injury, disease, sickness
or medical condition You have, including any related illness, injury, disease,
sickness or medical condition, or any associated symptoms.
4.7. Contract Worker
- A person who is Employed on a fixed term contract of Employment as defined
in Work.
4.8. Control - the power of a person (in relation to a company) to
exercise direct or indirect control over that company’s affairs including
but not limited to, owning the greater part of the share capital or voting
rights of that company or by powers given to that person in any recognised
document.
4.9. Doctor - A registered medical practitioner, practising in the
UK. This does not include You or Your relatives except when diagnosing a Pre-Existing
Medical Condition.
4.10. End Date - The date Your cover ends as set out in Section
10 - When Cover Ends.
4.11. Employment, Employed - undertaking any Work (including
Self-Employed Work) of at least 16 hours a week.
4.12. Exclusion period - The
period immediately after the Start Date during which You will not be able to
make a claim. The period during which You are unable to claim is during the
first 120 days from the Start Date in respect of Unemployment benefit. This
is irrespective of when Employment actually ends.
4.13. Gross Monthly Income
- Means Your monthly Salary plus the average of any commission and/or bonus
payments received in the 12 months prior to the Start Date, or the date of
the claim, if later. If Self-Employed, this will mean the monthly average of
Your annual income as declared on Your self assessment return for the previous
tax year, as confirmed by the Inland Revenue.
4.14. Hospital - Means a government
controlled hospital, a National Health Service hospital or a private hospital
but will not apply to any long-term nursing homes or geriatric unit or any
such facilities.
4.15. Incapacity, Incapacitated - A Condition, which stops
You from doing Your Work or any similar job. It must also stop You from doing
any other Work which Your experience, education or training reasonably qualifies
You to do. In addition, if You are Self-Employed, an Incapacity must stop You
from helping, managing, receiving any money from or carrying out any part of
the day-to-day running of a business.
4.16. Incident Date - the date You die,
or become Incapacitated or Unemployed.
4.17. Insured - The person named on the
schedule and covered by the policy.
4.18. Misconduct - Means being dismissed
from Your Employment as a result of, but not limited to, theft, fraud, alcohol
abuse, sex offences, harassment and/or discriminatory behaviour.
4.19. Monthly
Benefit - The amounts shown in the policy schedule for Income Protection Insurance
payable to You on a monthly basis in arrears, if You are unable Work due to
Incapacity or Unemployment.
4.20. Monthly Premium - the amount of Premium You
must pay every month as set out in Your policy schedule. If You are in receipt
of Monthly Benefits under this policy You must continue to pay the Monthly
Premium as it falls due in order to ensure continuous cover under this certificate.
4.21.
Partnership - An association of two or more people who agree to share in the
profits and losses of a business. Members of a Partnership are called partners.
4.22.
Payment in Lieu of Notice - means either of the following:
4.22.1. Any payment
You receive relating to the notice period Your employer should have given You
under the terms of Your contract of Employment or letter of appointment; or
4.22.2. Any part of a compensation payment made for loss of office (including
any part of a payment made under a compromise agreement and/or redundancy package)
whether this directly or indirectly relates to the notice period Your employer
should have given You under the terms of Your contract of Employment or letter
of appointment, or not.
4.23. Permanently Retire - You have stopped Working
and You have no intention to return to Work.
4.24. Pre-Existing Medical Condition
- A Condition whether diagnosed or not, which You knew about or in Our reasonable
opinion should have known about, or for which You received Treatment, prior
to the Start Date.
4.25. Premium - the amount You must pay every month for cover
under this policy, as documented on Your policy schedule. If You are in receipt
of Monthly Benefits under this policy You must continue to pay the Premium
as it falls due in order to ensure continuous cover under this certificate.
4.26.
Salary - the amounts shown on Your payslips from Your employer, received in
the 12 months prior to the Start Date, or in the event of claim, the claim
Incident Date, if later. If Self-Employed, this will mean the monthly average
of Your annual income received in the 12 months prior to the Start Date, or
in the event of claim, the claims Incident Date, if later and as declared on
Your self assessment return for the previous tax year, confirmed by the Inland
Revenue.
4.27. Self-Employed - You are
4.27.1. helping with, managing or carrying on
a business in the UK and are liable to pay tax under Schedule D Case, l, ll,
lV or V of the Income and Corporations Taxes Act 1988;
4.27.2. a partner in
a Partnership;
4.27.3. a person who exercises direct or indirect Control over
a company (not necessarily the majority shareholder or holder of the majority
voting rights);
4.27.4. Working for a company and in any way connected with
a person who has Control over that company (for example, You are one of his
or her family).
4.28. Start Date - The date Your cover commenced with Us as
shown in the policy schedule.
4.29. Treatment - Receiving advice or undergoing
examinations or consultations or receiving medication or long-term monitoring
from a Doctor.
4.30. UK - England, Scotland, Wales, Northern Ireland, the Channel
Islands and the Isle of Man.
4.31. Unemployment, Unemployed - Being out of Work
and registered as Unemployed with Your local Job Centre Plus office or the
Department of Health and Social Security in Northern Ireland. You must be available
for and actively looking for a Work and able to provide third party documentation
as requested to support this each month. We will not consider You as Unemployed
for any day You receive Payment in Lieu of Notice.
4.32. We, Us, Our - Banker’s
Insurance Company Limited (a member company of Assurant Solutions).
4.33. Work
or Working - Permanent Employment or Self-Employment for 16 hours or more each
week or on statutory maternity leave, adoption leave, parental leave or paternity
leave from such Employment. You must also be paying the correct National Insurance
Contributions. If You are Employed under a fixed term contract of Employment,
We will consider Your cover under the Unemployment section in accordance with
the following:
4.33.1. If at the Start Date You have been Working for the same
Employer for at least six months and Your contract has been renewed at least
once, We will consider a claim only if Your current contract is terminated
prior to its expiry date. Monthly Benefit will only be paid until that contract
would have expired.
4.33.2. However, if at the Start Date You have been Working
for the same Employer for at least two years and if You have an annual contract,
which has been renewed at least once and has at least six months remaining
on Your contract, We will consider any claim as if You had been in permanent
Employment.
4.34. You, Your - The person named on the schedule and covered by
the policy.
5. Incapacity Benefits
5.1. If You are Working and become Incapacitated for
at least 30 days in a row, We will pay You one Monthly Benefit.
5.2. To make
a claim for Incapacity benefit, You must see Your Doctor. We will treat the
first day of Your Incapacity as the day Your Doctor confirms You cannot Work.
However, if You complete Your Employer’s Self-Certification
Form for the first 7 days of Incapacity You will be classified as Incapacitated
for those 7 days. You must continue to be treated by Your Doctor for the first
30 days of Your Incapacity. At the end of this, and every 30 day period after
that, You must give the Administrator a Doctor’s certificate confirming
Your Incapacity. We will be unable to pay any claim for any period when a Doctor
does not confirm Your Incapacity. Payment in respect of valid claims will be
made at the end of each full 30 day period, upon receipt of all relevant information.
5.3.
We will continue to pay one Monthly Benefit for each complete and continuous
30 day period that You remain Incapacitated until:
5.3.1. the End Date; or
5.3.2. You are no longer Incapacitated; or
5.3.3. We have paid a maximum of
12 Monthly Benefits; or
5.3.4. the final repayment date; or
5.3.5. if You are a Contract Worker and
Your Contract would have expired, as defined in Work
whichever is the earlier.
5.4. If Your Incapacity (after the initial 30 day
period) is less than 30 days, We will pay 1/30th of one Monthly Benefit for
each day You are Incapacitated.
5.5. Exclusions for Incapacity cover are defined
in Sections 6 and 9.
6. Incapacity
Benefit Exclusions
You will not receive Incapacity benefit for any claim, which
is caused by, or resulting from:
6.1. a Pre-Existing Medical Condition; but
You will be entitled to benefit if You have not suffered from that Condition
for two years before the first date You became unable to Work. You have not
suffered from a Condition if throughout that two year period You:
6.1.1. have
not consulted a Doctor for that Condition, and
6.1.2. have not received Treatment
for that Condition, and
6.1.3. have been free of symptoms of that Condition.
6.2. any physical or mental
Condition which You knew of or should reasonably have known about at the Start
Date, or which You asked or received Treatment or counselling for from any
Doctor before the Start Date;
6.3. suicide, attempted suicide or self-inflicted
injuries;
6.4. any Chronic Condition;
6.5. alcohol or drugs, unless they are prescribed
for Treatment (other than for addiction) by a Doctor;
6.6. Human Immunodeficiency
Virus (HIV) and/or HIV related illness including Acquired Immune Deficiency
Syndrome (AIDS) and/or mutant derivatives or variations thereof however caused;
6.7.
backache and related conditions howsoever caused unless You have medical documents
(for example, a MRI scan or X-rays) as evidence of a diagnosed medical condition;
6.8. psychiatric illness or mental disorders including depression, bereavement,
stress, or stress related conditions unless diagnosed by a consultant who is
a member or the Royal College of Psychiatrists and is recognised by that Royal
College as being a consultant;
6.9. geriatric care, medical operations or Treatments
which are not medically necessary, including cosmetic or beauty Treatment unless
this is the result of an Accident where Your Doctor recommends You have cosmetic
Treatment;
6.10. pregnancy, childbirth, miscarriage, abortion or any related
conditions unless this is a result from complications which are diagnosed as
such by a Doctor, or consultant, who specialises in obstetrics;
In addition You will not receive Incapacity benefit:
6.11. for any period when
Your Incapacity is not confirmed by a Doctor;
6.12. unless You are in receipt
of statutory sick pay from Your employer or short term Incapacity benefit from
the Job Centre Plus;
6.13. for any period where You are in receipt of Your Salary;
6.14. if You
are receiving Unemployment benefit;
6.15. if any Exclusions detailed in Section
8 or 9 apply.
7. Involuntary Unemployment
Benefit
7.1. If You are Working and become Unemployed for at least 30 days in
a row, We will pay You one Monthly Benefit. If You were Employed and You need
to make a claim for Unemployment benefit You must register at Your local Job
Centre Plus office within 15 days of the date Your Employer confirms You last
Worked or the date Your Payment in Lieu of Notice expires, whichever is the
later. If You were Self-Employed and You need to make a claim for Unemployment
benefit, You must register with the Job Centre Plus within 15 days of the date
Your business permanently ceased trading and in addition Your business must:
7.1.1.
have stopped trading and/or be in the process of being wound up and You must
have filed closing accounts with the Inland Revenue;
7.1.2. be put into the
hands of an insolvency practitioner; or
7.1.3. be a Partnership which has been
or is in the process of being dissolved and You must have filed closing accounts
with the Inland Revenue.
7.2. At the end of the first 30 day period of Unemployment,
and every 30 day period after that, You must give the Administrator a copy
of the Jobseekers Agreement and ABI1 Form from Your local Job Centre Plus office
confirming Your Unemployment. Payment in respect of valid claims will be made
at the end of each full 30 day period, upon receipt of all relevant information.
7.3.
We will continue to pay one Monthly Benefit for each complete and continuous
30 day period that You remain Unemployed until:
7.3.1. the End Date; or
7.3.2. You are no longer Unemployed; or
7.3.3. We have paid a maximum of 12
Monthly Benefits; or
7.3.4. if You are a Contract Worker and Your contract would
have expired, as defined in Work
whichever is the earlier.
7.4. If You are receiving Unemployment benefit and
want to start temporary Work which will continue for less than 6 months, please
let Us have details in writing before You start this Work. We will not pay
for the period You are not Unemployed. However, when the temporary Work finishes,
Your Unemployment claim may continue and We will treat this as one continuous
claim. The most We will pay for this continuous claim is a maximum of 12 Monthly
Benefits.
8.
Unemployment Benefit Exclusions
You will not receive Unemployment benefits in
the following circumstances:
8.1. If You were not in continuous Work for 6 months
immediately before Your Employment ended (if You were not in Work for 2 weeks
or less, We will not count this as a break in Your Employment);
8.2. Unemployment
caused or resulting from Your Employment ending within the Exclusion periods;
8.3.
You being told, or made aware either before the Start Date or within the Exclusion
period that Your Employment will end. This is irrespective of when Employment
actually ends;
8.4. Unemployment which is normal or seasonal in Your line of
Work;
8.5. Unemployment which You knew of, or should reasonably have known of,
on the Start Date;
8.6. Misconduct which contributes or leads to Your dismissal;
8.7. any wilful
act by You;
8.8. dismissal due to the inability to pass a probationary period
or perform any elements of Your job;
8.9. resignation, voluntary Unemployment
or voluntary redundancy;
8.10. if You are Employed on a specific project, including
any temporary assignment and this project finishes;
8.11. if Your Employment
ends as a result of the expiry of an apprenticeship or training contract;
8.12.
if You are Self-Employed and Your business temporarily stops trading;
8.13.
if You are a Contract Worker, Your contract would have expired;
8.14. if You
are Self-Employed and You can not give Us evidence that Your business:
8.14.1.
has permanently stopped trading and/or being in the process of being wound
up; or
8.14.2. has been put into the hands of a company dealing with insolvency;
or
8.14.3. is a Partnership which has been dissolved or is in the process of
being dissolved.
8.15. for any period for which You have received or are entitled
to receive Payment in Lieu of Notice.
8.16. if You are receiving Incapacity
benefit.
8.17. if You become Unemployed as a result of any condition in Section
6 or if any Exclusions detailed in Section 9 apply.
9. General Exclusions
9.1. In addition to Sections 6 and 8, You will not receive
any benefits for Unemployment or Incapacity which is caused by or resulting
from:
9.1.1. taking part in, attempting, or acting as an accessory to, any crime;
9.1.2.
taking part in a strike, labour dispute, industrial action or lock-out;
9.1.3.
radioactive contamination, war, invasion, act of foreign enemy hostilities
(whether war be declared or not), civil war, rebellion, revolution, insurrection,
riots, civil commotion, military or usurped power.
9.2. If You are Working outside
the UK, unless You are:
9.2.1. Working for the British Armed Forces or as a
civil servant in a British Embassy or consulate; or
9.2.2. Working for an Employer
that is a UK registered company who assigns You to Work in the European Union
on the same terms and conditions; or
9.2.3. Working on a specific project for
less than 30 days outside the UK and were actually outside the UK for less
than 30 days.
10. When Cover End
The policy will end automatically and all Monthly Benefits
will stop:
10.1. if You die; or
10.2. when You reach 65 years of age or Permanently Retire
if earlier, (You must tell Us as soon as possible); or
10.3. when You cancel
the policy; or
10.4. on the date You stop paying the Monthly Premium; or
10.5. on the 90th
day after We cancel coverage; or
10.6. if You are no longer resident in the
UK
whichever is earlier.
10.7. If You cancel the policy or cover ends for any
reasons detailed above and You wish to reinstate at a later date, a new policy
will be issued, subject to the Eligibility criteria. Cover will not be backdated
and new exclusion/waiting periods will apply from the new Start Date.
10.8.
If Joint Insured’s are covered by this policy and one of the Insured
reaches the age of 65 or Permanently Retires before then, that person will
no longer be covered. If You tell Us about this, the remaining Insured will
be entitled to claim the total value of the Monthly Benefit.
11. Multiple Claims
11.1. You can make more than one claim for Incapacity
or Unemployment benefit subject to the re-qualification periods detailed below:
11.1.1. The most We will pay for any one Condition resulting in an Incapacity
claim on this policy, is a maximum of 12 Monthly Benefits for that Cover Option
as selected and shown on Your policy schedule.
11.1.2. You must return to Work
for at least one month before You can claim Incapacity for an unrelated Condition
or for at least six months before You can make another claim for Incapacity
for a related Condition.
11.1.3. If You return to Work for less than six months
and You need to make an Incapacity claim for the same Condition, We will treat
this as the same claim, providing You have not received the maximum number
of 12 Monthly Benefits for that Incapacity.
11.2. You must return to Work continuously
for at least six months before You can make another claim for Unemployment
benefit. However, periods of Unemployment separated by six consecutive months
or less shall be treated as one continuous claim provided You have not received
the maximum number of 12 Monthly Benefits.
12. General Conditions and Cancellations
12.1. If a claim is fraudulent, fraud
is suspected in any respect, or any false information is supplied in relation
to Your policy or claim, all benefits under this policy will be forfeited and
the You may be liable to criminal prosecution. We may demand You repay any
benefits We have already paid You. We will keep the Premium You have paid Us.
We may also prosecute You.
12.2. You can cancel the policy by writing to Us.
If You do this within the first 30 days of the Start Date and as long as You
have not made a claim, We will give You a full refund of any Premiums You have
paid.
12.3. We may cancel the policy at any time by giving You 90 days written
notice at Your last known address. We may also change the terms and conditions
of the policy and the Premium amount. We will give You 30 days written notice
of any change. The notice should be attached to the policy.
12.4. You cannot
transfer Your right or interest in the policy to any other person. The policy
will not have any value at the End Date or if it is cancelled.
12.5. If You
cancel the policy no further Premiums will be collected and no refund of Premium
will be made.
12.6. No refund of Premiums will be made if You have made, or
attempted to make a claim.
12.7. Cancellations will not be backdated for any
reason.
12.8. Only changes formally made by Us and advised to You in writing
are accepted as terms under this policy. No other parties have any jurisdiction
to change or agree any different terms.
12.9. If Your circumstances change at
any time during this policy term, please notify Us immediately in writing.
If You do not do so Your policy may be affected. The following are some examples
of circumstances that You must tell Us about:
12.9.1. You are named on the
policy and You choose to give up Work; or
12.9.2. You Permanently Retire, irrespective
of the reason, from Work; or
12.9.3. You wish to increase or decrease Your Monthly
Benefit; or
12.9.4. You change the nature of Your Work.
12.10. If You need to change Your
policy You may be required to complete either a policy amendment form or a
new application form, dependant upon Your circumstances.
13.
How to Claim
13.1. If You need to make a claim, You should contact the Administrator
at; Adminicle Ltd, Callidus House, Cirencester Business Park, Love Lane, Cirencester
GL7 1XD, or Telephone 01285 886600.
13.2. Please fill in the claim form and
return it to the Administrator who will process Your claim on Our behalf. The
Administrator should receive the claim form within 120 days of Your Incident
Date. If You do not do this, Your benefit may be affected. The Administrator
may allow longer to claim if You ask. The Administrator will give You information
to help You fill in Your claim form and tell You what details are required.
13.3. When You make a claim, You must give the Administrator all the evidence
that is required to prove Your claim. You will have to pay any costs involved
in doing this. You must give the Administrator this evidence in the way that
is asked. You must also agree to any medical examination, which will be arranged
and paid for by Us. Your past employers may also be contacted.
13.4. Any payment
of benefit under the policy may, in some circumstances, affect Your entitlement
to Job Seekers Allowance (and possibly other state benefits). Your local Job
Centre Plus office will be able to provide You with further information
14. Change of Claim
14.1. If You are receiving Monthly Benefits because You
are Incapacitated and You become Unemployed You must write to the Administrator
straight away. We will continue to pay Your Incapacity benefit while it remains
valid. If You are still Unemployed once a Doctor says You are fit to return
to Work, You must tell the Administrator and they will ask You to fill in an
Unemployment claim form for consideration.
14.2. If You are receiving Monthly
Benefits because You are Unemployed and You become Incapacitated You must write
to the Administrator straight away. You will no longer be eligible to claim
Unemployment benefit and You will have to fill in a claim form for consideration
under Incapacity benefit.
14.3. If You are not fit for Work and cannot meet,
or continue to meet, Our conditions to claim for Incapacity benefit and You
become Unemployed You may fill in an Unemployment claim form for consideration.
14.4. We will only pay You one type of benefit (Incapacity or Unemployment)
at a time. If You change Your claim, the most We will pay for Your Incapacity
and Unemployment claims together is 12 times the Monthly Benefit.
14.5. If You
are receiving Monthly Benefit for Incapacity and the Condition for which you
are claiming changes, You must advise the Administrator immediately and Your
claim will be re-considered in respect of the new Condition. The maximum number
of Monthly Benefits payable for any combination of Conditions suffered consecutively
will be 12 times the Monthly Benefit.
15. Customer Care
We care about the service We provide to You and We make every
effort to maintain the highest possible standards. If You have any questions
about the policy please ask the Administrator. Please have this document available
so that Your enquiry is dealt with speedily.
16. Complaints Procedure
Although We set ourselves high standards, if We do
not meet Your expectations and You are dissatisfied in some way We would like
to know. If You follow the guidelines below, Your complaint will be dealt with
in the most efficient way possible.
Step 1. Please contact the Administrator’s
Customer Services Department: Adminicle Ltd, Callidus House, Cirencester Business
Park, Love Lane, Cirencester GL7 1XD. Telephone 01285 886600
In either case please give or quote Your certificate number, noted on Your
policy schedule, so that they can deal with Your enquiry quickly.
Step 2. If
You are not satisfied with the way Your complaint has been dealt with please
contact or write to the Operations Director, Assurant Solutions, 117-119 Whitby
Road, Slough, Berkshire SL1 3DR. Telephone 0870 152 6000.
Step 3. If You are
not satisfied with the way We have dealt with Your complaint You can ask the
Financial Ombudsman Service to review Your case. You can contact them at the
following address: South Quay Plaza, 183 Marsh Wall, London E14 9SR. Telephone
0845 080 1800.
17. Assignment
The Benefits of this contract may not be assigned to a third
party.
18. Data Protection
18.1. We are committed to maintaining the personal data
that You provide in accordance with the requirements of data protection legislation.
Our Privacy Statement below gives further information about this.
18.2. Assurant
Solutions, its other related entities, and carefully selected third parties
may use Your personal data to keep You informed about insurance products, services
and special offers that may be of interest to You. If You do not wish Your
personal information to be used in this way please write to Us.
19. Notice to Customers
19.1. You are advised that any telephone calls made
to Our administration and claims handling units may be monitored or recorded.
This is to monitor the accuracy of information provided by Our customers and
Our own staff. It may also be used to provide additional training to Our staff
or to prove that Our procedures comply with legal requirements. Both the Administrator’s
and Our staff are aware that conversations can be monitored and recorded.
19.2.
If We are unable to meet Our liabilities, You may be entitled to compensation
from the Financial Services Compensation Scheme who can be contacted at: 7th
floor Lloyds Chambers, Portsoken Street, London E1 8BN. The first £2,000
of an insurance claim or policy is covered in full through the FSCS, plus 90%
of the balance.
19.3. Banker’s Insurance Company Limited are authorised
and regulated by the Financial Services Authority. Ref 202735
19.4. Adminicle
Ltd are authorised and regulated by the Financial Services Authority: Ref 305375.
19.5.
Choices are authorised and regulated by the Financial Services Authority: Ref
304443.
19.6. You can check these details at the FSA Register at www.fsa.gov.uk/register/
or by calling 0845 606 9966.
20. Privacy Statement
20.1. Your data controller:
20.1.1. For the purposes of the Data Protection
Act 1998, the data controller in respect of any personal information provided
is Assurant Solutions.
20.1.2. You may be assured that Assurant Solutions will
treat all personal data as confidential and will not use or process it other
than for legitimate purposes. Steps will be taken to ensure that the information
is accurate, kept up to date and not kept for longer than is necessary. Measures
will also be taken to safeguard against unauthorised or unlawful processing
and Accidental loss or destruction or damage to the data.
20.2. Uses made of
Your personal information:
20.2.1. The personal information that You provide
Us will be used for a number of different purposes including:
20.2.2. to manage
and administer Your policy;
20.2.3. to assess Your application or subsequent
claim(s) including: conducting credit checks and fraud background checks; and
approaching former employers, the Department of Employment and the Department
of Social Security;
20.2.4. to offer You insurance products and services (except
where you have asked Us not to do so) and to help Us develop new ones;
20.2.5.
to contact You with details of changes to the products You have bought;
20.2.6.
for internal analysis and research;
20.2.7. to comply with legal or regulatory
requirements; and
20.2.8. to identify You when You contact Us.
20.3. We may use external third
parties to process Your personal information on Our behalf in accordance with
these purposes.
20.4. Sharing of Your personal information:
20.4.1. Unless You have asked Us
not to do so, Your personal information provided may be shared with other organisations:
so You can receive, either in writing or by telephone, details of other products
and services which may be of interest to You; and in order for Us to comply
with any legal or regulatory requirements. In addition, We may share Your personal
information with Our related companies to Assurant Solutions for the purposes
set out in this Privacy Statement.
20.5. Sensitive personal data:
20.5.1. To the extent that You provide sensitive
personal data, We (and Our related companies) may also process such sensitive
personal data, both manually and by electronic means, for the same purposes
described in this Privacy Statement. Sensitive personal data includes information
as to Your physical or mental health or condition; or the commission or alleged
commission of any offence by You.
20.6. Business changes:
20.6.1. If We, or a related company, undergoes a reorganisation
or is sold to a third party, the personal information provided to Us may be
transferred to that reorganised entity or third party and used for the purposes
set out in this Privacy Statement.
20.7. Overseas transfers:
20.7.1. We may transfer Your personal information
to countries located outside the European Economic Area (the EEA). This may
happen when Our servers, suppliers and/or service providers are based outside
of the EEA. The data protection laws and other laws of these countries may
not be as comprehensive as those that apply within the EEA - in these instances
We will take steps to ensure that Your privacy rights are respected. Details
of the countries relevant to You will be provided to You upon request.
20.8.
Access to/correction of Your information:
20.8.1. With limited exceptions, You
have the right to ask for a copy of the information that We hold about You.
There may be a charge for this. If any of the information that We hold about
You is incorrect, please tell Us at Assurant Solutions, 117-119 Whitby Road,
Slough, SL1 3DR. and We will amend as necessary.
|
