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					Barclaycard
World MasterCard® –
terms and conditions
Contents
Barclaycard World Mastercard® Conditions        2


Barclaycard Cashback Bonus Scheme               7


Internet Terms and Conditions                   8


Barclaycard World Mastercard® Travel Accident
Insurance – Guide To Insurance                  9


Barclaycard World Mastercard® Insurances        16
Barclaycard World MasterCard® Conditions
Credit Card Agreement regulated by the Consumer Credit Act 1974



These are the terms and conditions of an agreement between us       date or if you exceed your credit limit at any time.
(Barclays Bank PLC, Barclaycard Centre, Northampton NN4 7SG)
and you.                                                            6. CHARGING INTEREST
                                                                    6.1 We will not charge interest on purchases added to your
1. AMOUNT OF CREDIT                                                 Standard Balance since your last statement if you pay your
1.1 When you first receive your Barclaycard, we will tell you your   current statement balance in full by your payment due date. If
credit limit based on our assessment of your circumstances. We      you do not do so, we will charge interest on the amount of each
may change your credit limit from time to time depending on our     purchase from the date the purchase is added to your account
assessment of your account and will tell you about these            until the balance is repaid in full. This may result in an interest
changes by writing to you. If we decide to increase your credit     charge appearing on your next statement even though you
limit, we will give you at least 30 days notice before the change   have paid your balance in full. We will not charge any interest
takes effect, unless you requested the increase.                    on a Default Charge for 28 days starting from the date that we
                                                                    give you notice that the Default Charge has been charged to
1.2 You can tell us at any time that you want to reduce your        your account.
current credit limit (this includes telling us not to change your
credit limit if we have told you that we are increasing it).        6.2 We always charge interest on balance transfers, cash
                                                                    withdrawals and all other amounts from the date they are added
2. MONTHLY REPAYMENTS                                               to your account even if you repay your balance in full by the
2.1 You must make the minimum payment every month. This will        payment due date. We add all interest to your account on the
be the highest of:                                                  date of your statement each month. This means that you will
•     £5 (or the entire amount if less than £5);                    generally pay interest on interest. However, we will only charge
•     2% of the amount you owe us on your monthly statement;        simple interest on Default Charges (i.e. we will not charge interest
      or                                                            on interest). Interest is calculated on a daily basis. If any interest is
•     an amount equal to any interest, account fees or Default      payable on your account we will charge a minimum of £1.00.
      Charges that have been added to your account since your
      last statement plus 1% of the remaining balance.              6.3 Interest will continue to be charged on all outstanding
                                                                    balances on your account until payment or any judgement
2.2 You must pay the minimum payment by the due date shown          against you. This means that where an amount is overdue, we
on your statement. This will be at least 19 days after your         will continue charging you interest at the above applicable rate on
statement date. In addition to your minimum payment, you can        the overdue amount. We will not change the interest rate as a
repay all or part of what you owe at any time.                      result of your default, except that you may lose the benefit of a
3. BARCLAYCARD BALANCES AND PAYMENTS                                Promotional Rate (as mentioned above).
3.1 Amounts added to your account will be allocated to one of the   7. TOTAL AMOUNT PAYABLE AND APR
following balances:                                                 7.1 Please note that the Total Amount Payable and the APR are
•     Cash Balance: for cash withdrawals, the purchase of           both statutory information that we are required to include when
      currency or travellers’ cheques, Gaming transactions and      you enter into the agreement. They are based on assumptions
      interest and charges on those amounts. Gaming                 we have to make at that time and are not relevant to you after the
      Transactions include gambling, betting and other              agreement has been entered into.
      transactions relating to gaming, such as purchases of
      lottery tickets or gaming chips or purchases made at a        8. CHARGES
      gambling establishment or website.                            8.1 We will charge you:
•     Promotional Balance: for transactions with promotional        •     £5 for each copy of transaction details (unless the copy
      terms which we will tell you before you make                        shows a transaction which has been wrongly put on
      the transaction.                                                    your account);
•     Standard Balance: for purchases, balance transfers and all    •     £3 for each copy of a statement;
      other amounts, which are not subject to promotional           •     a 2.95% foreign exchange fee on the value of non-sterling
      terms. Balance transfers include transfers of funds from            transactions (see Condition 12.4 for more detail).
      your Barclaycard to other credit cards, store cards, loans
      or other accounts or a bank account in your name.             8.2 Unless we tell you otherwise we will charge a handling fee for
                                                                    certain transactions which will be:
4. INTEREST RATES                                                   •      up to 5% (minimum £5) on balance transfers;
See your statement for details                                      •      3% (minimum £3) on all items charged to the Cash Balance.

5. PROMOTIONAL ANNUAL INTEREST RATE                                 8.3 There is a monthly account fee of £1 (not applicable to
5.1 We may from time to time make available Promotional             customers who applied before 14th July 2009).
Balances on which a lower rate will be charged. If we do, we will
                                                                    9. SPECIAL CONDITIONS
notify you of the applicable promotional rate and period before
                                                                    9.1 There are no special conditions for this product.
you make the transaction. The Promotional Rate(s) will also be
shown on your monthly statement.                                    10 DEFAULT CHARGES
5.2 At the end of their promotional periods, we will transfer       10.1 We will charge you for any reasonable costs or losses we
Promotional Balances to the Standard Balance and the Standard       incur if you break this Agreement, including the following charges:
Rate will apply unless they would normally fall within the Cash     •      £12.00 if you do not make at least your minimum payment
Balance, in which case they will be transferred to the Cash                by the payment due date;
Balance and the Cash Rate will apply. We will also apply the        •      £12.00 if you exceed your credit limit at any time; and
Standard Rate (or Cash Rate if applicable) to Promotional           •      £12.00 if a direct debit, cheque or other item is not paid
Balances before the end of their promotional periods if you do             when first presented.
not make at least your minimum payment by the payment due




                                                                                                                                           2
11 COULD THE TERMS OF THIS                                           (b) We will tell you when changes will come into effect. If you do
AGREEMENT CHANGE?                                                    not want to continue the Agreement with the change, you must
In this Condition 11 we set out how and when we can make             write to us under Condition 23.1 to end the Agreement. The
changes to this Agreement.                                           change will apply to your Agreement until the Agreement ends.
                                                                     Condition 23.1 explains when this happens.
11.1 Changes to interest rates and charges
                                                                     (c) If, however, the change is an increase to an interest rate and
(a) We may change our interest rates and charges, including by       you tell us within 60 days that you want to end the Agreement,
introducing a new type of fee or charge, if there is a change (or    the existing interest rate will continue to apply until you repay any
we reasonably expect that there will be a change):                   outstanding balance. If we ask you to, you must repay us within a
•     in the costs we incur in providing the account (including      reasonable period.
      funding costs); or
•     in regulatory requirements.                                    12 HOW CAN YOU USE THE ACCOUNT AND CARD?
Where we make a change to comply with a regulatory                   12.1 Once you receive your card you can use it (or the card
requirement, the change will be a fair proportion of the cost of     details) to make purchases and cash withdrawals, and you can
compliance on our business, as reasonably estimated by us.           ask us for balance transfers on the terms of this Agreement.
Other changes will respond proportionately to changes in our
                                                                     12.2 By the word "card" we mean any credit card or any
costs. We will not change interest rates and our charges to cover
                                                                     alternative to a credit card that we provide you with to make
the same cost twice.
                                                                     transactions under this Agreement.
(b) We may increase the interest rates on your account because
                                                                     12.3 You are not supposed to run your account in credit. If there is
we think there is an increased risk that you might not be able to
                                                                     a credit balance we may return it to you.
repay what you owe us, but we will not do this without first
taking into account factors such as how you manage this or other     12.4 If you use your card for non-sterling transactions the
accounts, your financial situation and your credit rating.            transaction is converted to sterling at a reference exchange rate
                                                                     which includes any foreign exchange fee listed above. This
(c) As long as you are able to end the Agreement without charge
                                                                     reference exchange rate is available if you contact us in
under this Agreement (or we agree that we will not make a
                                                                     accordance with Condition 26. This may not be the same as the
charge that would otherwise apply), we may also change our
                                                                     exchange rate on the date of the transaction.
interest rates and charges, including by introducing a new type of
fee or charge, for a valid reason which is not set out in this       12.5 You must not use your card predominantly for
                                                                     business purposes.
(d) We will not change a fixed or promotional rate on an account
for as long as we have agreed to keep it fixed.                       12.6 If you ask us to make a balance transfer or other payment
                                                                     from your account (this would not include purchases), the
11.2 Changes to terms (other than interest rates and charges)        payment will reach the bank which holds the recipient's account
(a) We may upgrade your account or enhance the services we           on the next working day, unless you have agreed to make the
provide to you if we reasonably consider this is to your             payment on a future date. In that case, the payment will reach the
advantage and there is no increased cost to you.                     bank which holds the recipient's account on the working day
                                                                     following the date you have agreed with us.
(b) We may also change any of the other terms of this
Agreement for any of the following reasons:                          12.7 The card may not be used for any illegal purpose.
•     where we reasonably consider that:                             12.8 Cards belong to us. Where Condition 24 applies we can ask
      (1) the change would make the terms easier to understand       you and any additional cardholder not to use them and you must
      or fairer to you; or                                           return them to us. If we ask you to return the card, or if we believe
      (2) the change would not be to your disadvantage;              the card is being misused we may put a stop on it, or ask others
•     or to make reasonable changes to the way we look after         to hold onto it for us for the reasons set out in Condition 24.
      your accounts as a result of changes in:
      (3) the banking or financial system;                            12.9 We may send you another card, including one which you
      (4) technology; or                                             then qualify for, as a replacement for your existing card or as an
      (5) the systems we use to run our business; or                 additional card on your account. The card that we send you may
•     as a result of a regulatory requirement (or where we           have a different account number, different branding or be part of
      reasonably expect that there will be a change in a             a different card acceptance scheme. The terms that apply to the
      regulatory requirement).                                       new card will be the same or better than your existing terms. We
                                                                     will tell you about any changes to the terms under Condition 11.
11.3 Changes to all terms (including interest rates and charges)
As long as you are able to end the Agreement without charge          13 CASH AND CREDIT LIMITS
under this Agreement (or we agree that we will not make a            13.1 We may limit the number or amount of cash withdrawals
charge that would otherwise apply), we may change any of the         which you make on any one day, from time to time. If we do, we
terms of this Agreement (including interest rates and our            will tell you what that limit is.
charges) for any reason not listed above.
                                                                     13.2 We may restrict your cash limit (your maximum Cash
11.4 Notifying you of changes                                        Balance) to a percentage of your credit limit. If we do this we will
(a) We will give you at least 30 days' advance personal notice       tell you what your cash limit is at that time.
of all changes, unless the change is to your advantage (for
example when we reduce your interest rate). In this case, we will    13.3 You must not exceed either your overall credit limit or your
still give you personal notice but we may make the change more       cash limit. We may refuse any transaction if we reasonably
quickly. We will tell you about changes by putting messages in       consider that it could result in you exceeding either your credit
your monthly statement, or sending you a separate written            limit or your cash limit. If we authorise a transaction and you
notice by post or electronically (which includes email, text         exceed your credit limit or your cash limit as a result, this does
messages or similar).                                                not mean that we have agreed to an increase in the relevant limit.




3
13.4 When considering whether you might exceed your credit              17.3 For balance transfers or Promotional Balances we will
limit (or your cash limit) as a result of a transaction we may take     apply your payment to the balance which has the earliest
into account amounts that have not yet been added to your               expiry date first.
account balance such as prospective transactions that we have
authorised or interest, fees or charges that you might incur.           18 HOW CAN YOU KEEP TRACK OF YOUR SPENDING?
                                                                        18.1 We will send you, or make available to you electronically, a
14 ADDITIONAL CARDHOLDERS                                               monthly statement showing your payments to us and all the
14.1 Unless we tell you otherwise, you can ask us to issue an           amounts we have put on your account since your last statement.
additional card to any person you nominate as long as they are          You must tell us if your statement includes something you
eligible for a card.                                                    think is wrong.
14.2 You are responsible for all use of your account by an              18.2 Statement information is always available online. If for some
additional cardholder, even if they do something which                  reason we cannot produce or send a statement, we will use your
makes you break this Agreement. You must ensure that the                normal monthly statement date to work out any interest on your
additional cardholder uses the card according to the terms of           account and what your next payment date will be.
this Agreement.
                                                                        19 WHAT MUST YOU DO TO PROTECT YOUR CARD
14.3 If you want to cancel any additional card, you are responsible     AND YOUR CARD DETAILS?
for returning the card to us.                                           19.1 You must:
15 HOW YOU CAN AUTHORISE PAYMENTS                                       (a) keep the card (including the card details) safe and not allow
15.1 If you want to make a payment using your card or card              anyone else to use it; and
details, you need to authorise the transaction so that we can
check that it is genuine. We will treat the transaction as genuine if   (b) learn your PIN and other security information and keep them
the following items that are personal to you have been used:            secret at all times, never write the PIN on the card or on anything
                                                                        usually kept with it or write down or record the PIN or other
(a) a physical device, such as your card; or                            security information without first disguising it and destroy the
                                                                        letter with your PIN straightaway.
(b) a set of procedures involving, for example, the use of a
password, personal identifier(s), codes, Personal Identification          19.2 You must only reveal the card number to make a transaction,
Number(s) (PINs) or biometric data; or                                  to report the loss or theft of the card or if we allow you to do so.
(c) a physical device and a set of procedures (like your card used      20 WHAT HAPPENS IF YOUR CARD, CARD DETAILS
with your PIN or security code).                                        AND PIN ARE LOST OR STOLEN?
15.2 Once you have authorised a payment from your account,              20.1 You must tell us as soon as possible using the contact details
we cannot change or cancel it, except in the circumstances              in Condition 26 if your card or card details are lost or stolen, if you
described below. We cannot cancel authorised payments that              think that they may be misused or that someone else may know
have not yet been processed. You may be able to cancel                  the PIN. If you later find them you must cut them in half and
transactions that you have authorised for a future date (including      return them to us.
recurring transactions) by contacting the retailer before that date.    20.2 You must give us all the information you have about the
                                                                        loss, theft or misuse. We may give the police any information we
16 HOW MUST YOU MAKE PAYMENTS TO US?
                                                                        think will be useful.
16.1 You must make all payments to us in sterling.
                                                                        20.3 You will not be responsible for any transactions if the card is
16.2 You must make all payments by the payment due date. To
                                                                        lost or stolen or misused before you receive it, but you must tell
help you to do this, your monthly statement will tell you how to
                                                                        us as soon as you become aware. If someone uses a card and
make payments to reach us on time. Where we become aware
                                                                        got it with either your, or any additional cardholder’s, permission,
that your monthly payment was received on or before the
                                                                        you may be liable for all the transactions which take place before
payment due date but credited to your account after this date
                                                                        you tell us that it may be misused. You will not be liable for any
because of an error by us we will either refund or not charge a
                                                                        transactions where you or any additional cardholder have not
late payment fee or any interest.
                                                                        given permission for someone else to use the card.
16.3 If you miss your minimum payments, as well as continuing
to pay us interest and having to pay us charges (see Condition
                                                                        21 WHAT ABOUT REFUNDS AND CLAIMS
10), you may lose the benefit of any Promotional Rate (see
                                                                        AGAINST US?
Condition 5.2), we may use money in your other Barclays                 21.1 We will only give you a refund on your account for a
accounts to pay us, and your credit records may be affected so          transaction if the retailer asks us to. You cannot use a claim you
that you find it harder or more expensive to borrow again from           may have against someone else to make a claim against us, or
us or another lender. Even though a credit card is not secured on       refuse to pay us. You cannot transfer any rights against us to
your home, failing to pay could, in exceptional circumstances,          anyone else.
result in legal action, bankruptcy proceedings or even put your         21.2 Condition 21.1 does not affect your rights under section 75 of
home at risk. This is because we may ask the courts to allow us         the Consumer Credit Act 1974 (or any replacement legislation).
to secure any debt on your home. If we offer you a payment              Those rights mean that if you use your card to buy goods or
holiday you will not need to make any minimum payments during           services, and the cost of an individual item of the goods or
that period but you will still be charged interest on your account.     services is more than £100 but not more than £30,000, then you
17 ALLOCATION OF PAYMENTS                                               may have a claim against us if the item or service is: not supplied;
                                                                        or (if relevant) only supplied in part; unsatisfactory; or does not
17.1 If you do not pay the total outstanding balance in full by
                                                                        match the description given by the supplier.
the payment due date, we will apply the amount you do pay
to reduce higher interest rate balances before lower interest           21.3 Where you have agreed that a retailer in the European
rate balances.                                                          Economic Area can take a payment from your account (e.g. if you
                                                                        have given your card details to a retailer for the purpose of
17.2 If the Standard Balance includes Default Charges, we will
                                                                        making a payment), you can ask us to refund a payment if all the
apply your payment to the Default Charges before the rest of the
                                                                        following conditions are satisfied:
Standard Balance has been repaid.




                                                                                                                                             4
(a) the authorisation you gave did not specify the exact amount      (g) in the case of a balance transfer, the instructions you have
to be paid;                                                          given us are unclear or incorrect;
(b) the amount that has been charged to your account was more        (h) we feel it necessary as a matter of responsible lending; or
than you could reasonably have expected to pay, based on the
circumstances, including your previous spending patterns; and        (i) we reasonably believe that allowing the transaction would
                                                                     damage our reputation.
(c) you make the refund request within 8 weeks of the date when
the payment was charged to your account.                             You can contact us to find out why we have refused to approve
                                                                     a transaction.
21.4 We will ask you to provide information which is reasonably
necessary to allow us to investigate whether or not you are          24.3 If we refuse a transaction this Agreement will continue and
entitled to the refund.                                              we will not be responsible or incur liability for any loss or damage
                                                                     you or any additional cardholder may suffer as a result.
22 YOUR RIGHT TO WITHDRAW                                            25 GENERAL
22.1 You have a right to withdraw from this Agreement, without       25.1 If we break this Agreement, we will not be liable to you for
giving a reason, by calling or writing to us. Please see Condition   losses and costs caused by abnormal or unforeseeable events,
26 for our contact details. Your right to withdraw starts on the     such as any machine failing to work and industrial disputes or
day after you receive your card and ends after a further period      other events that we cannot reasonably control and which would
of 14 days.                                                          have been unavoidable despite all efforts to prevent the event
                                                                     happening, or resulting from us complying with any relevant
22.2 Once you have contacted us to withdraw, you must pay            requirement under any law or regulation to which we are subject.
back anything you have spent on your card within 30 days. If you
do not repay us within 30 days we may charge interest in line        25.2 You must tell us as soon as possible if there is a change to
with the terms of this Agreement.                                    your name, postal address, email address or telephone numbers
                                                                     and if any of the details change for any additional cardholder.
23 HOW CAN THIS AGREEMENT BE ENDED?
23.1 This Agreement has no fixed duration: it will continue until     25.3 You must have a UK residential address. If you are
you or we choose to close your account. Either of us can close       temporarily located overseas, you must also inform us of your
the account by giving written notice to the other. Except where      overseas address.
we can close your account immediately (see below), we will give
                                                                     25.4 We may transfer to any other person any or all of our
you at least 2 months' written notice before we close the account.
                                                                     rights and duties under this Agreement at any time (including,
You must return all cards to us and cancel any instructions you
                                                                     without limitation, our duty to lend to you). We may do this
have given to others to charge transactions to your account. You
                                                                     without telling you. Your rights under this Agreement and your
must make all payments due. This Agreement will continue until
                                                                     legal rights (including those under the Consumer Credit Act 1974)
all amounts you owe have been paid including amounts added to
                                                                     will not be affected.
your account after the notice to close the account.
                                                                     25.5 There may be other taxes and costs, which are not paid
23.2 We may close your account and require you to repay
                                                                     through us or charged by us, that you have to pay in connection
immediately all amounts you owe us under this Agreement if we
                                                                     with this Agreement.
reasonably believe that you have broken this Agreement
regularly or seriously, but we will follow any legal requirements    25.6 The terms of this Agreement, and our dealings with you with
before we do so.                                                     a view to entering into this Agreement, are governed by English
                                                                     law and subject to the exclusive jurisdiction of the English courts.
23.3 We may also close your account and require you to repay
                                                                     We will only communicate with you in English.
immediately all amounts you owe us under this Agreement if you
die or become bankrupt or are likely to become bankrupt, but we      26 HOW CAN YOU CONTACT US?
will follow any legal requirements before we do so.                  26.1 You can contact us for advice or with queries via our website
                                                                     at www.barclaycard.co.uk, call us on 0844 811 9111, write to us
24 WHY WE MIGHT RESTRICT ACCOUNT USE
                                                                     at the address below or visit a Barclays branch. If your card, card
24.1 We may prevent or limit use of your account, or end your
                                                                     details or PIN are lost or stolen, call us on 01604 230230 or write
ability to borrow more under this Agreement, if we reasonably
                                                                     to us at Barclays Bank PLC, Northampton NN4 7SG.
consider it necessary:
                                                                     26.2 If you have any question relating to your account including
(a) to protect the security of your account; or
                                                                     any difficulty with your payments, call Customer Services. If we
(b) because we suspect there may be unauthorised or fraudulent       ask, you must write to us within 7 days to confirm your call.
use of your account; or
                                                                     27 MAKING COMPLAINTS
(c) because of a significantly increased risk that you may be         27.1 We go out of our way to maintain high standards of service.
unable to pay.                                                       However, if you ever have cause for complaint, please contact our
                                                                     Customer Services team at the address or telephone number on
24.2 We may refuse to approve a transaction if:                      your statement. We will deal with your complaint promptly and a
(a) we reasonably consider it necessary to protect the security of   full investigation will be carried out. Most problems are resolved
your account;                                                        at this point, although you can write to the Senior Manager if you
                                                                     want to take the matter further. If you are still not happy, please
(b) you have exceeded a limit (such as your cash limit or            write to the Customer Experience Director at Barclaycard, PO Box
credit limit);                                                       9131, 51 Saffron Way, Leicester LE18 9DE. Finally, if after all our
(c) we are required to by law or by a court or other authority or    efforts your complaint isn't resolved you can approach the
by another duty which applies to us;                                 Financial Ombudsman Service (FOS) who will act as an
                                                                     independent arbiter. To get to this stage you will need a final
(d) the payment seems unusual compared with the way you              response letter signed by a Director of Barclaycard stating that
normally use your card;                                              we are unable to progress your complaint any further. Once the
                                                                     FOS has checked and accepted that the deadlock has been
(e) you have reported your card as lost or stolen;
                                                                     agreed, and your complaint dealt with, a totally impartial
(f) we reasonably suspect fraud or illegality;                       investigation will take place.




5
27.2 In the unlikely event you need to take a complaint to the FOS,
you can write to them at South Quay Plaza, 183 Marsh Wall,
London E14 9SR (www.financial-ombudsman.org.uk), call
0845 080 1800 or email
complaint.info@financial-ombudsman.org.uk.
28 OUR REGULATOR
The Office of Fair Trading, Fleetbank House, 2-6 Salisbury
Square, London EC4Y 8JX is the regulating authority of
consumer credit agreements.
Barclaycard is a trading name of Barclays Bank PLC. Barclays
Bank PLC is authorised and regulated by the Financial Services
Authority and subscribes to the Lending Code which is monitored
and enforced by the Lending Standards Board. Registered in
England No: 1026167. Registered Office: 1 Churchill Place,
London E14 5HP.




                                                                      6
Barclaycard Cashback Bonus Scheme


1. INTRODUCTION AND DEFINITIONS                                       6. LOSING YOUR ENTITLEMENT TO FUTURE
The Cashback Bonus rules (“Rules”) set out the basis on which         CASHBACK BONUS AWARDS
you can earn and receive Cashback Bonus awards.                       We may suspend or terminate your right to earn Cashback
                                                                      Bonus awards in the following circumstances:
2. HOW DO WE CALCULATE YOUR CASHBACK                                  (a) if you breach your Barclaycard Conditions for two consecutive
BONUS AWARDS?                                                         statement periods,
Your Cashback Bonus awards will be calculated according               (b) if you have asked us for time to pay overdue payments on the
to the amount of Eligible Purchases you make during a                 Account,
statement period.                                                     (c) if mail we send you is being returned to us,
                                                                      (d) if bankruptcy proceedings have been started against you,
By “Eligible Purchases” we mean any card purchases you or an          (e) if we suspect that you or any additional cardholder have
additional cardholder make, excluding purchases that are              committed a fraud on the account, or
subsequently returned or refunded, balance transfers, cheque          (f) if you have made no transactions on your account for more
purchases, insurance premiums, interest, default charges, other       than 6 months.
fees and charges, and any item charged to your cash balance.
                                                                      7. HOW WILL YOU RECEIVE YOUR CASHBACK
By “statement period” we mean the period of transactions              BONUS AWARD?
covered by the relevant statement you receive in relation to your     We will credit your account with the value of your Cashback
Barclaycard account.                                                  Bonus award in March at the end of each year. We will show a
3. SUBJECT TO CLAUSE 4, YOU WILL EARN                                 provisional running total of the value of your Cashback
CASHBACK BONUS AWARDS AT THE FOLLOWING                                accumulated for the year to date on each monthly statement.
RATES:                                                                8. REFUNDS
1% on £20,000 of any Eligible Purchases you make in any               If you are given a refund for an eligible purchase and we had
statement period.                                                     included that eligible purchase when working out the value of a
4. UNLESS WE TELL YOU OTHERWISE, THE                                  previous Cashback Bonus award, we will take the refund into
MAXIMUM AMOUNT OF ELIGIBLE PURCHASES                                  account when working out your future Cashback Bonus awards.
WHICH QUALIFY FOR CASHBACK IN ANY YEAR                                9. CHANGES TO THESE RULES
IS £20,000.                                                           We may change these rules, including the rate at which you earn
By “year” we mean a period of 12 monthly statement periods            your Cashback Bonus, or withdraw the Cashback Bonus scheme,
(approximately one calendar year) commencing with the March           by giving you notice. By notice we mean 30 days’ advance notice
statement each year up to and including the February statement        in writing. By writing we include written communications in
the following year.                                                   electronic form. If the change is to your advantage, instead of
5. WHAT ARE THE CIRCUMSTANCES IN WHICH WE                             giving you advance notice we may make the change and tell you
MAY CANCEL YOUR CASHBACK BONUS AWARD?                                 afterwards. If we withdraw the scheme we will credit you with the
We may cancel any Cashback Bonus award you would otherwise            amount of the Cashback Bonus due to you at the date that the
have earned if you breach the Barclaycard Conditions.                 scheme is withdrawn.

A breach of the Barclaycard Conditions includes a failure to make     Barclaycard is a trading name of Barclays Bank PLC.
your monthly minimum payment by the payment due date,                 Barclays Bank PLC is authorised and regulated by the
exceeding your credit limit or having a cheque, Direct Debit or       Financial Services Authority and subscribes to the Lending
other item returned unpaid.                                           Code which is monitored and enforced by the Lending
                                                                      Standards Board. Registered in England No. 1026167.
We may also cancel any Cashback Bonus award you would                 Registered Office: 1 Churchill Place, London E14 5HP.
otherwise have earned if your account is closed or if your account
has a zero balance and you don’t use your card for any period of
6 consecutive months or more.
We will not pay Cash Back if the total amount of Cash Back is less
than £5 or if you are in breach of your Barclaycard Conditions. If,
in any year, the Cash Back you earned is less than £5, it will not
be carried forward to the following year




7
Internet Terms and Conditions


INFORMATION ON COPYRIGHT, AND LIABILITY                                 NO LIABILITY
Please read this information carefully before using this                We will not be liable for any damages or direct or indirect loss in
www.barclaycard.co.uk ("this Site").                                    connection with your use of, or inability to use this Site or any
                                                                        failure or delay by us in performing our obligations. This includes
In these conditions "we", "us" and "our" means Barclays Bank
                                                                        any loss of profit, income or business opportunity together with
PLC and "you" means the individual using this Site.
                                                                        any loss arising from any computer virus or system failure.
All Barclaycard products and services are subject to separate
                                                                        We may modify, withdraw or suspend this Site or any part of it
conditions which govern their use.
                                                                        without notice at any time.
We may change these conditions at any time without notice.
                                                                        We will not be liable for any data or internet access charges levied
COPYRIGHT                                                               by your network operator, wireless broadband provider or
The entire content of this Site is subject to copyright with all        internet service provider.
rights reserved and the information contained on it is for your
                                                                        We will not be liable for any damages or direct or indirect loss in
personal use only. You may not download, copy, transmit or
                                                                        connection with your use or inability to use this Site by reason of
modify any part of this Site without our prior permission.
                                                                        any compatibility or security issues with your mobile device or
"Barclaycard" is a registered trademark of Barclays Bank PLC.
                                                                        browser; or, the unavailability of any mobile network operator’s,
PAPERLESS TERMS & CONDITIONS                                            wireless broadband provider’s or internet service provider’s
You agree to receive your monthly statements online. If you             network or facilities.
would prefer to receive paper statements, you have the option
                                                                        We will not be liable for any theft or unauthorised use of your
to switch to paper statements. Please note that the following
                                                                        mobile device or any loss or damage arising therefrom.
communications you receive from us may still be in paper form.
                                                                        GOVERNING LAW
•     any notices which we may need to send you (such as those
                                                                        The law of England and Wales governs these conditions and you
      relating to arrears or other defaults)
                                                                        agree that the courts of England and Wales shall have exclusive
•     statements, when for example, you are in breech of your
                                                                        jurisdiction to determine any matter or dispute arising out of this
      terms and conditions. When the problem on your account
                                                                        Site and these conditions.
      is rectified we will change your account back to online
      statements automatically.                                         This Site is directed solely at individuals in the United Kingdom. If
•     other communications when we cannot use email or                  you choose to access this Site from other locations it is your
      text message.                                                     responsibility to comply with all applicable local laws.
Therefore, it is important that you keep us updated with any            COMPANY INFORMATION
changes to you contact details. We will use your email address          We are Barclays Bank PLC. Registered in England & Wales with
or mobile phone number that you supply us with to send you              company no. 1026167 and our registered office is at 1 Churchill
reminders when a new statement is ready to view online on               Place, London E14 5HP. Barclays Bank PLC is covered by the
mybarclaycard. We may also send you important notices                   Financial Ombudsman Service (UK branches only).
electronically to the email address that you have given us.
Don’t forget to tell us if you change your email address so that
we can make sure that you can still receive these
communications. Further information about paperless
statements can be found online.
THIRD PARTY PRODUCTS AND SERVICES
Where we provide links to other websites we are not
endorsing the websites’ products or services. Your use of
these links and websites is entirely at your own risk and we
accept no responsibility or liability for the content, use or
availability of these websites. We have not checked the
content of these websites.
This Site may also contain some material provided by third
parties and we accept no responsibility or liability for the accuracy
of that material.
You may not link any other website to this Site without obtaining
our prior written consent.
NO WARRANTY
Although we have taken all reasonable care to ensure that the
information provided on this Site is accurate, we give no
warranties of any kind, express or implied, with regard to its
accuracy or completeness.




                                                                                                                                            8
Barclaycard World MasterCard® Travel Accident
Insurance – GUIDE TO INSURANCE

ABOUT OUR INSURANCE SERVICES                                          GROUP POLICY SUMMARY – TRAVEL
In the following section ‘we/us’ refers to Barclays Bank PLC.
                                                                      ACCIDENT INSURANCE – PROVIDED
NAME AND ADDRESS OF THE                                               BY CHARTIS INSURANCE UK LTD
INSURANCE INTERMEDIARY:
Barclaycard is a trading name of Barclays Bank PLC. Registered
address: 1 Churchill Place, London E14 5HP. Use this information
to decide if our services are right for you.

1 THE FINANCIAL SERVICES AUTHORITY (FSA):                             The purpose of this policy summary is to help an insured person
                                                                      understand this insurance by setting out the significant features,
The FSA is the independent watchdog that regulates
                                                                      benefits, limitations and what we don’t cover under this group
financial services.
                                                                      policy. This policy summary does not contain full details of the
                                                                      cover and conditions of the insurance. Please read the policy
2 WHOSE PRODUCTS DO WE OFFER?:                                        wording for a full description of the terms of the insurance
We can only offer Travel accident insurance provided by Barclays      including policy definitions. This policy summary does not form
Bank plc as the policyholder, which is underwritten by Chartis        part of the policy document.
Insurance UK Limited (registered office: The Chartis Building, 58
Fenchurch Street, London EC3M 4AB) and is administered on             INSURANCE PROVIDER
their behalf by Chartis Direct. Chartis Direct is a trading name of   This insurance is underwritten by Chartis Insurance UK
UNAT Direct Insurance Management Limited whose registered             Limited and is administered on their behalf by Chartis Direct.
office is 96 George Street, Croydon, Surrey CR9 1BU.                  Chartis Direct is a trading name of UNAT Direct Insurance
                                                                      Management Limited.
3 ADVICE AND YOUR ‘DEMANDS AND NEEDS’:
You will not receive advice or a recommendation from us. This         TYPE OF INSURANCE AND COVER
travel accident insurance meets the needs of those who require a      This travel accident insurance is provided by Barclays Bank plc as
financial benefit in the event of bodily injury or death to you and     the policyholder and gives a financial benefit in the event of bodily
or your partner and your collective (unmarried) children, whilst      injury or death to you as a Barclaycard World MasterCard
travelling as a fare-paying passenger on a journey paid for using     cardholder and or your partner and your collective (unmarried)
your Barclaycard World Mastercard We recommend that you               children (referred to in this summary as an insured person), whilst
review your cover on a regular basis to make sure it continues to     travelling as a fare-paying passenger on a journey as defined in
meet your demands and needs                                           the Features and Benefits section below.
4 WHO REGULATES US?:                                                  An insured person is eligible for this cover for as long as the
Barclays Bank PLC is authorised and regulated by the Financial        policy is in force, provided the cardholder holds a valid
Services Authority. Our FSA Registered number is 122702. You          Barclaycard World MasterCard and the cost of the journey has
can check this on the FSA’s Register by visiting the FSA’s website    been totally or partially paid for in advance with the card. Cover is
www.fsa.gov.uk/pages/register/ or by contacting the FSA on            included as part of the terms and conditions of the Barclaycard
0845 606 1234.                                                        World MasterCard and is subject to certain conditions and
                                                                      limitations. The following sections set out the significant features
5 WHAT TO DO IF YOU HAVE A COMPLAINT ABOUT                            of the cover, the conditions, limitations and what is not covered.
HOW YOUR POLICY WAS SOLD TO YOU:                                      You are advised to read the group policy document for full details.
Please contact: Customer Experience Director, Barclaycard, PO
Box 5592, Northampton NN4 1ZY. Telephone 0844 811 9111. If            FEATURES AND BENEFITS
you cannot settle your complaint with Barclaycard, you may be
entitled to refer it to the Financial Ombudsman Service, South        COVER PROVIDED
Quay Plaza, 183 Marsh Wall, London E14 9SR.                           If an insured person suffers bodily injury which:
                                                                      •       within twenty four (24) months of the date of the accident;
6 ARE WE COVERED BY THE FINANCIAL SERVICES                            •       solely and independently of any other cause results in the
COMPENSATION SCHEME (FSCS)?:                                                  insured person’s death or disablement;
Barclays Bank PLC is covered by the FSCS. You may be entitled         •       occurs whilst the insured person is on a journey anywhere
to compensation from the scheme if we cannot meet our                         in the world; and
obligations. This depends on the type of business and the             •       the mode of transport used has been totally or partially
circumstances of the claim. Insurance advising and arranging is               paid for in advance with the Barclaycard World MasterCard,
covered for 90% of the total claim, without any upper limit.                  we will pay the amount shown in the Table of Benefits
Further information about compensation scheme arrangements                    (which may be limited by the significant limitations set out
is available from the FSCS on 020 7892 7300 or by visiting their              below and what we don’t cover).
website at www.fscs.org.uk
                                                                      A journey is a trip anywhere in the world where an insured
7. STATEMENT OF PRICE:                                                person is:
The premium payable for this insurance is £0.00. The charge           •     travelling as a fare-paying passenger;
for the Barclaycard World MasterCard is £1 a month. There are         •     getting on or in or getting off or out of public transport;
no taxes or further costs unless otherwise stated. If you cancel      •     travelling as a passenger in a hire car with chauffeur;
the Barclaycard World MasterCard, all associated insurance            •     travelling as driver or passenger in a rented vehicle;
products are cancelled.




9
TABLE OF BENEFITS


     Benefit description                 Significant features and benefits                                                   Amount payable

     1.       Accidental death          Provides lump sum compensation following death resulting
                                        from bodily injury.                                                               £100,000

     2.       Permanent disability      Provides lump sum compensation following disablement caused
                                        by bodily injury which prevents the insured person from doing any
                                        paid work.                                                                        £100,000

     3.       Total loss of sight in    Provides lump sum compensation following permanent loss of sight
              both eyes                 in both eyes.                                                                     £100,000

     4.       Total loss of sight       Provides lump sum compensation following permanent loss of sight
              in one eye                in one eye.                                                                       £50,000
     5.       Loss of two or            Provides lump sum compensation following permanent loss of or
              more limbs                loss of use of two or more limbs.                                                 £100,000

     6.       Loss of one limb          Provides lump sum compensation following permanent loss of or
                                        loss of use of one limb.                                                          £50,000

     7.       Total loss of sight in    Provides lump sum compensation following permanent loss or loss
              one eye and loss          of use of one limb and loss of sight in one eye.
              of one limb.                                                                                                £100,000


•         in an airport, seaport, railway station or bus station for the   LAW AND JURISDICTIO
          purpose of boarding public transport;                            This policy will be governed by English law and Barclays Bank Plc
•         travelling to and from an airport, seaport, railway station or   as the policyholder, the insured persons and Chartis Insurance
          bus station in any conveyance if any part of the journey is      UK Limited agree to submit to the courts of England and Wales to
          via public transport; and the mode of transport used has         determine any dispute arising under or in connection with it,
          been totally or partially paid for in advance with the card.     unless the relevant insured person resides in Scotland, Northern
                                                                           Ireland or the Isle of Man, in which case the law applicable to that
SIGNIFICANT LIMITATIONS                                                    jurisdiction will apply and its courts will have exclusive jurisdiction,
The significant limitations of the policy include:                          unless agreed to the contrary by Barclays Bank Plc as the
•     the cardholder’s partner will receive 50% of the amounts             policyholder and us before the commencement date.
      specified in the table of benefits;
•     the cardholder’s or their partner’s children will receive 25%        The terms and conditions of this policy will only be available
      of the amount specified in the table of benefits except for            in English and all communication relating to this policy will be
      accidental death where a maximum of £5,000 is payable;               in English.
•     we will only pay one amount for bodily injury if the type of         DURATION
      injury falls under more than one item specified by items 1-7          Cover automatically starts when the cardholder opens a
      in the table of benefits;                                             Barclaycard World MasterCard account and ends when either the
•     unless otherwise stated, the maximum period of any one               cardholder notifies Barclays Bank Plc that they no longer wish to
      planned return journey is thirty (30) days;                          have a Barclaycard World MasterCard account, when Barclays
•     the maximum amount payable under this policy in respect              Bank Plc cancels the card, or when the cardholder is switched by
      of any one insured person is £100,000; and                           Barclays Bank Plc to another account type.
•     the maximum amount payable under this policy in respect
      of all insured persons who sustain bodily injury on the              CANCELLATION RIGHTS
      same journey is £600,000.                                            Barclays Bank Plc as the policyholder has the right to cancel the
                                                                           group policy by giving us 60 days notice.
For a full description of what is not covered, please refer to
                                                                           Chartis Insurance UK Limited may cancel the group policy by
Section 4 ‘Cover limitations and extensions’ within the group
                                                                           giving 60 days notice to Barclays Bank Plc as the policyholder.
policy document.
                                                                           A cardholder or an insured person has no right to cancel the
WHAT WE DON’T COVER
                                                                           policy held by Barclays Bank Plc but can choose not to be
Chartis Insurance UK Limited will not pay for death or
                                                                           included in this group policy by exercising its right to cancel its
disablement arising from matters including the following:
                                                                           inclusion. As this insurance forms part of the card, withdrawal by
•     sickness or disease;
                                                                           the cardholder from the group policy will also require the
•     an insured person driving a rental vehicle if the insured
                                                                           Barclaycard World MasterCard account to be closed. If the
      person is over sixty (60) years of age;
                                                                           cardholder cancels, there is no refund of premium as this group
•     suicide or attempted suicide;
                                                                           policy is paid for by Barclays Bank Plc which is the policyholder.
•     intentional self-injury;
•     deliberate exposure to exceptional danger (except in an              CHANGES TO POLICY
      attempt to save human life);                                         Barclays Bank Plc as the policyholder may change the terms of
•     being directly involved in an unlawful act; or                       the cover provided under this group policy provided to
•     flying unless as a fare-paying passenger.                             cardholders at any time. Sixty (60) days notice of such changes
                                                                           will be given.
For a full description of what is not covered, please refer to Section
5 ‘What we don’t cover’ within the group policy document.




                                                                                                                                                10
MAKING A CLAIM                                                          OTHER INFORMATION
If an insured person wishes to notify us of a claim please contact      Chartis Direct is a trading name of UNAT Direct Insurance
us at:                                                                  Management Limited. This policy is administered by UNAT Direct
                                                                        Insurance Management Limited (FSA No 312350) who are
Chartis Direct, 96 George Street, Croydon CR9 1BU.                      authorised and regulated by the Financial Services Authority.
Customer helpline 020 8662 8100 (9:00am to 5:00pm                       Registered office: 96 George Street, Croydon, Surrey
Monday to Friday).                                                      CR9 1BU. Registered number: 03960626.
email: ChartisDirect.Enquiries@chartisinsurance.com                     The insurance is underwritten by Chartis Insurance UK Limited
COMPLAINING ABOUT OUR SERVICE                                           (FSA No 202628) who are authorised and regulated by the
If an insured person has a complaint                                    Financial Services Authority and are members of the Association
We are committed to providing a first class service at all times.        of British Insurers. Registered office: The Chartis Building, 58
However, we recognise that occasionally an insured person may           Fenchurch Street, London EC3M 4AB. Registered number:
be unhappy with some aspect of this service. If the insured             1486260. This information can be checked by visiting the FSA
person is not satisfied with the service received, please contact        website at www.fsa.gov.uk/register
one of the following.
If the complaint is about a claim, please contact:
Claims Manager, Chartis Direct, 96 George Street,
Croydon CR9 1BU.
Telephone 020 8662 8100.
email: ChartisDirect.Claims@chartisinsurance.com
If the complaint is not about a claim, please contact:
Customer Support Manager, Chartis Direct, 96 George Street,
Croydon CR9 1BU.
Telephone 020 8662 8100.
email: ChartisDirect.Enquiries@chartisinsurance.com
Please quote the insured person’s name and claim number (if
applicable) and confirm that the complaint relates to a
Barclaycard World MasterCard travel accident policy. We will
acknowledge the complaint and keep the insured person
regularly informed about the progress of the complaint. For
complaints relating to claims it may take us a little longer to
respond, especially if we need to consult with medical
professionals. However we will let the insured person know what
information we are waiting for. We will do our best to resolve the
complaint as quickly as possible.
We will do our best to resolve any difficulty directly with the
insured person (or parent if the insured person is under 18 years
of age). If we are unable to resolve the complaint satisfactorily the
insured person may be entitled to refer any disagreement to the
Financial Ombudsman Service (FOS) to review the case without
affecting the right to take legal action. The address and contact
details are:
Financial Ombudsman Service
South Quay Plaza, 183 Marsh Wall, London E14 9SR.
Telephone: 0845 080 1800*
email: complaint.info@financialombudsman.org.uk
Web: www.financial-ombudsman.org.uk
*Calls to this number cost no more than 5p per minute for BT
customers (other networks may vary).
FINANCIAL SERVICES COMPENSATION
SCHEME (FSCS).
Chartis Insurance UK Limited are covered by the FSCS. If we are
unable to meet our financial obligations the insured person may
be entitled to compensation from the scheme. Further
information about compensation scheme arrangements is
available from the FSCS. See the policy wording for details.




11
POLICY DOCUMENT – TRAVEL                                               remaining after the bodily injury is 3/60 or less on the Snellen
ACCIDENT INSURANCE                                                     scale after correction with spectacles or contact lenses. (At 3/60
                                                                       on the Snellen scale a person can see at 3 feet something that a
INTRODUCTION                                                           person who has not suffered loss of sight should be able to see
Welcome to Barclaycard World MasterCard Travel                         at 60 feet).
Accident Insurance.
                                                                       Journey
This group policy is a contract of insurance between Barclays          A trip anywhere in the world where an insured person is:
Bank Plc as the policyholder and us.
                                                                       •     travelling as a fare-paying passenger;
This cover is provided to all Barclaycard World MasterCard             •     getting on or in or getting off or out of public transport;
cardholders. This policy gives details of the insurance provided       •     travelling as a passenger in a hire car with chauffeur;
by Chartis Insurance UK Limited, (and administered by Chartis          •     travelling as driver or passenger in a rented vehicle;
Direct on their behalf), to cardholders, provided premiums are         •     in an airport, seaport, railway station or bus station for the
paid to us by Barclays Bank Plc as the policyholder. Chartis                 purpose of boarding public transport;
Direct is a trading name of UNAT Direct Insurance                      •     travelling to and from an airport, seaport, railway station or
Management Limited.                                                          bus station in any conveyance if any part of the journey is
                                                                             via public transport and the mode of transport used has
Barclays Bank plc (registered number 1026167) registered
                                                                             been totally or partially paid for in advance with the card.
address: 1 Churchill Place, London, UK E14 5HP who are a bank
authorised and regulated by the Financial Services Authority           Parent
(FSA) and entered in the FSA register under number 122702.             A person with parental responsibility including a legal guardian
                                                                       acting in that capacity.
WHAT THIS INSURANCE COVERS
The table of benefits shows the items and amounts an insured            Partner
person is covered for by this group policy. The cover is subject to    A person who permanently lives at the same address as the
the conditions set out in Section 4 ‘Cover limitations and             cardholder and is the cardholder’s husband or wife, civil partner,
extensions’ section and the exclusions set out in Section 5 ‘What      fiancé or fiancée, or boyfriend or girlfriend.
we don’t cover’. An insured person should read the group policy
carefully to help ensure that they are fully aware of what the         Permanent disability
policy covers.                                                         A physical or mental incapacity resulting from bodily injury which
                                                                       permanently prevents an insured person from doing any paid
1. DEFINITIONS                                                         work whatsoever and which is proved by medical evidence to be
We use certain words in this group policy which have a specific         likely to last for the remainder of their life.
meaning and sometimes those meanings are unique to this
                                                                       Policyholder
policy. These words are shown in bold print, and have this
                                                                       Barclays Bank plc (registered number 1026167) registered
specific meaning wherever they appear in this policy document.
                                                                       address: 1 Churchill Place, London, UK E14 5HP who are a bank
Accident                                                               authorised and regulated by the Financial Services Authority
A sudden, unexpected and specific event, external to the body,          (FSA) and entered in the FSA register under number 122702.
which occurs at an identifiable time and place.
                                                                       Public transport
Bodily injury                                                          A train, tram, bus, ship, aircraft or taxi.
Identifiable physical injury to an insured person’s body which is
                                                                       Table of benefits
caused directly and solely by an accident, is not intentionally
                                                                       The part of the document that describes how much we will pay
self-inflicted and does not result from sickness or disease.
                                                                       for the type of injury suffered by an insured person.
Card
                                                                       War
The card issued to the cardholder by Barclays Bank Plc as
                                                                       Military action, either between nations or resulting from civil war
the policyholder.
                                                                       or revolution.
Cardholder
                                                                       We, us or our
The holder of a current and valid Barclaycard World MasterCard.
                                                                       Chartis Insurance UK Limited.
Chartis Inc.
A company incorporated in the United States, together with its
                                                                       2. SCOPE OF INSURANCE
                                                                       We will pay the benefit as shown in the table of benefits
worldwide subsidiary companies, which together make up the
                                                                       below if, while the cover under this group policy remains in
Chartis Inc. International Group of Companies.
                                                                       force, an insured person during a journey suffers bodily injury
Child or children                                                      which independently of any other cause and within twenty
The cardholder’s and their partner’s children under twenty one         four (24) months of the date of the accident, results in
(21) years of age who are unmarried.                                   death or disablement.
Disablement                                                            3. TABLE OF BENEFITS
Permanent disability, loss of sight or loss.                           Subject to the ‘Cover limitations and extensions’ and the ‘What
                                                                       we don’t cover’ sections below, the table of benefits shows the
Gradually operating cause
                                                                       items and amounts an insured person is covered for by this
A cause that is a result of a series of events which occur and
                                                                       group policy.
develop over time which cannot be attributable to a single accident.
                                                                       Item Description                                      Benefit
Insured person
The cardholder and their partner and/or children.
                                                                       1.    Accidental death                                £100,000
Loss                                                                   2.    Permanent disability                            £100,000
Loss of or loss of use of an entire arm at or above the wrist, or an   3.    Total loss of sight in both eyes                £100,000
entire leg at or above the foot.                                       4.    Total loss of sight in one eye                  £ 50,000
                                                                       5.    Loss of two or more limbs                       £100,000
Loss of sight                                                          6.    Loss of one limb                                £ 50,000
Physical loss of one or both eyes or the loss of a substantial part    7.    Total loss of sight in one eye
of the sight of one or both eyes so that the degree of sight                 and loss of one limb                            £100,000


                                                                                                                                          12
4. COVER LIMITATIONS AND EXTENSIONS                                    •     if it results from fibromyalgia (a syndrome characterised by
1.    The cardholder’s partner will receive 50% of the amounts               chronic pain in the muscles and soft tissues surrounding
      specified in the table of benefits.                                      joints, fatigue and tenderness at specific sites in the body),
2.    The cardholder’s or their partner’s children will receive              myalgic encephalomyelitis, (muscle pains and inflammation
      25% of the above except for accidental death where a                   of the brain and spinal cord), chronic fatigue syndrome,
      maximum of £5,000 is payable.                                          post-traumatic stress disorder or other anxiety disorder,
3.    We will only pay one amount for bodily injury if the type of           any mental disorder or any disease of the nervous system;
      injury falls under more than one item specified by items 1-7      •     to an insured person who is injured whilst driving a rental
      in the table of benefits.                                               vehicle and the insured person is over sixty (60) years
4.    On our agreement to pay any of items 1-7 inclusive in                  of age.
      the table of benefits to any insured person, the
                                                                       6. CANCELLING THE COVER
      cover provided by this policy will cease to apply to that
                                                                       Barclays Bank Plc as the policyholder has the right to cancel the
      insured person.
                                                                       group policy by giving us 60 days written notice.
5.    Death or disablement resulting from exposure to severe
      weather conditions as a direct result of an accident             Chartis Insurance UK Limited may cancel the group policy
      involving the public transport in which the insured person       by giving 60 days written notice to Barclays Bank Plc as
      is travelling on a journey will be considered to have been       the policyholder.
      caused by bodily injury.
6.    If an insured person disappears and it is reasonable to          If the policy is cancelled, Barclays Bank Plc as the policyholder is
      believe that the insured person has died as a result of          responsible for notifying the cardholder.
      bodily injury sustained as a direct result of an accident        A cardholder or an insured person has no right to cancel the
      involving the public transport in which the insured person       policy held by Barclays Bank Plc as the policyholder but they
      is travelling on a journey, we will pay the accidental death     can choose not to be included in this group policy by exercising
      benefit provided the insured person’s legal representative        their right to cancel their inclusion. As this insurance forms part
      or executor signs an agreement that if it later transpires       of the card, withdrawal by the cardholder from the group policy
      that the insured person has not died, any amount will be         will also require the Barclaycard World MasterCard account to
      refunded to us.                                                  be closed. If the cardholder cancels, there is no refund of
7.    The maximum period of any covered journey is thirty (30)         premium as this group policy is paid for by Barclays Bank Plc
      days. If an insured person’s journey is not completed            as the policyholder.
      within this period due to circumstances beyond the insured
      person’s control affecting the public transport in which the
      insured person is travelling, the cover provided by this
                                                                       DURATION
      policy will automatically continue until completion of the       Cover automatically starts when the cardholder opens a
      journey, up to:                                                  Barclaycard World MasterCard account and ends when either the
      • twelve (12) months as a result of hi-jack, kidnap or           cardholder notifies Barclays Bank Plc that they no longer wish to
          similar terrorist or criminal act; or                        have a Barclaycard World MasterCard account, when Barclays
      • a further thirty (30) days as a result of any other            Bank Plc cancels the card, or when the cardholder is switched by
          circumstance beyond the insured person’s control.            Barclays Bank Plc to another account type.
8.    Each insured person will, for the purpose of the policy, be
      regarded as being separately insured.                            7. LAW AND JURISDICTION
9.    The maximum amount payable under this policy in respect          This policy will be governed by English law and Barclays Bank Plc
      of any one insured person is £100,000.                           as the policyholder, insured persons and we agree to submit to
10.   The maximum amount payable under this policy in respect          the courts of England and Wales to determine any dispute arising
      of all insured persons who sustain bodily injury on the          under or in connection with it, unless the relevant insured person
      same journey is £600,000.                                        resides in Scotland, Northern Ireland or the Isle of Man, in which
                                                                       case the law applicable to that jurisdiction will apply and its courts
5. WHAT WE DON’T COVER                                                 will have exclusive jurisdiction, unless agreed to the contrary by
No benefit for death or bodily injury will be payable:                  Barclays Bank Plc as the policyholder and us before the
•    if it results from sickness or disease;                           commencement date of this group policy.
•    if it occurs in a country where a state of war exists
     (declared or not) if the injury was the direct consequence        The terms and conditions of this policy will only be available
     of the war;                                                       in English and all communication relating to this policy will be
•    if it is sustained whilst flying unless as a                       in English.
     fare-paying passenger;                                            8. PAYMENT OF BENEFIT
•    if it results from the taking of a drug or drugs other than       Any benefit due will be paid to the insured person who has
     according to the manufacturer’s instructions or as                suffered the accident unless that insured person has died, in
     prescribed by a registered medical practitioner;                  which case it will be paid to the insured person’s legal
•    if it results from taking a drug or drugs for the treatment of    representative. In the case of a child, we will pay the benefit to the
     drug addiction;                                                   cardholder as long as they are a parent of the child, otherwise we
•    if it is due to injuries which are intentionally self-inflicted;   will pay one of the child’s parents. Receipt of the amount paid will
•    if it is sustained as a result of suicide or an attempt to        be a valid discharge of our liability under this policy.
     commit suicide;
•    if it is sustained whilst directly involved in an unlawful act;   9. FRAUD
•    if the injury occurs whilst driving or in charge of a vehicle     By Barclays Bank Plc as the group policyholder
     and the insured person’s blood/urine alcohol level is above       Any fraud, deliberate dishonesty or deliberate hiding of
     the legal limit stated in the laws of the country where the       information connected with Barclays Bank Plc as the group
     injury occurs;                                                    policyholder’s application for this group policy or in connection
•    if it results from the insured person deliberately or             with a claim, will make this policy invalid.
     recklessly exposing themselves to danger;
•    if it is caused by a gradually operating cause;                   In this event we will not refund any premiums and we will not
                                                                       consider for payment any claims which have not already been
                                                                       submitted to us.




13
Where claims have been made by insured persons under the              We may ask the insured person (if they are the injured person) to
policy, but remain unpaid, prior to the discovery of such fraud,      attend one or more medical examinations. If we do, we will pay
deliberate dishonesty or deliberate hiding of information, where      the cost of the examination(s) and for any medical reports and
the insured person making the claim had no involvement in it,         records and the insured person’s reasonable travelling expenses
such claims will be considered for payment in the usual way.          to attend (and any person required to travel with the insured
                                                                      person), if these expenses are agreed by us in advance. If the
By an insured person                                                  insured person fails to attend without reasonable cause, we may
Any fraud, deliberate dishonesty or deliberate hiding of              reject the claim.
information by an insured person at any time will make this
group policy invalid so far as concerns cover for that                The insured person must give us permission to obtain any
insured person.                                                       medical reports or records needed from any medical practitioner
                                                                      or consultant who has treated the insured person in connection
If this happens, the insured person will lose any benefit due to       with the claim; otherwise we may not pay any claim.
them and they must pay back any benefit that we have
already paid.                                                         If the insured person has an existing physical impairment or
                                                                      medical condition, we may also ask an independent medical
10. INTEREST ON AMOUNTS PAYABLE                                       consultant to assess:
We will not pay any interest on any amount payable under this         a.      whether the insured person’s existing physical impairment
group policy.                                                                 or medical condition has contributed to the bodily injury or
                                                                              expense for which the insured person is claiming; or
11. ALTERATION TO POLICY TERMS                                        b.      whether this new bodily injury makes the insured person’s
We may change the terms and conditions, as we consider                        existing physical impairment or medical condition worse.
necessary to reflect any event outside our control that we expect
to have an impact on future claims which we could not                 In either case, we will ask the independent medical consultant to
reasonably have foreseen when the information used to assess          assess the difference between the insured person’s existing
the cover provided was last reviewed or, in the event of any          physical impairment or medical condition before and after the
change in the law affecting this policy. Before we make any           accident. Any payment made by us will be based on this
changes, we will give Barclays Bank Plc as the policyholder notice    difference and will be expressed as a percentage of the
in writing. If the changes are acceptable to Barclays Bank Plc as     appropriate amount shown in the table of benefits.
the policyholder then this cover will continue and the cardholder     If the insured person, (or the person claiming on behalf of the
will be notified of the changes. If the changes are not acceptable,    insured person where the insured person has died), does not
Barclays Bank Plc as the policyholder may cancel the policy in        comply with any reasonable request by us under this claims
accordance with Section 6 ‘Cancelling the cover’. If this happens     procedure, we may not pay the claim.
no claims will be paid for any events which occur after the date of
the cancellation.                                                     If an insured person dies, we have the right to ask for a post-
                                                                      mortem examination at our expense.
Barclays Bank Plc as the policyholder may change the terms of
the cover provided under this group policy provided to                No amount payable under this contract will carry interest.
cardholders at any time. Sixty (60) days notice of such changes
                                                                      The receipt of this payment will be a full discharge of all liability by
will be given.
                                                                      us in respect of the claim.
12. THIRD PARTY RIGHTS                                                14. COMPLAINING ABOUT OUR SERVICE
No person other than Barclays Bank Plc as the policyholder, an
insured person (or the parent of an insured person if they are        COMPLAINTS PROCEDURE
under 18 years of age or their executor or personal                   We are committed to providing a first class service at all times.
representative in the event of the death of an insured person) or     However, we recognise that occasionally the insured person
us may enforce any terms of this policy. The provisions of the        may be unhappy with some aspect of this service. If the
Contract (Rights of Third Parties) Act 1999 do not apply.             insured person is not satisfied with the service received, the
                                                                      insured person or someone on their behalf should contact one
13. CLAIM PROCEDURE                                                   of the following.
We should be notified that a claim is to be made as soon as
reasonably practicable after the incident occurs to which the claim   If your complaint is about a claim, please contact:
relates. The claim may be rejected if it is made so long after the    Claims Manager, Chartis Direct, 96 George Street,
accident happens or bodily injury is sustained that we are unable     Croydon CR9 1BU.
to investigate the claim fully.                                       Telephone 020 8662 8100.
                                                                      email: ChartisDirect.Claims@chartisinsurance.com
Notification can be made by phoning 020 8662 8146 (9am to
5pm Monday to Friday) or by email at:                                 If your complaint is not about a claim, please contact:
ChartisDirect.Enquiries@chartisinsurance.com                          Customer Support Manager, Chartis Direct, 96 George Street,
The insured person must fill in a claim form supplied by us. The       Croydon CR9 1BU.
insured person can call Chartis Direct on 020 8662 8146 to            Telephone 020 8662 8100.
request a claim form.                                                 email: ChartisDirect.Enquiries@chartisinsurance.com

We will ask the claimant to complete a claim form and to provide      Please quote the insured person’s name and claim number (if
at their own expense all reasonable and necessary evidence            applicable) and confirm that the complaint relates to a
required by us to support a claim. If the information supplied is     Barclaycard World MasterCard travel accident policy. We will
insufficient, we will identify the further information which is       acknowledge the complaint and keep the insured person
required. If we do not receive the information we need, we may        regularly informed about the progress of the complaint. For
reject the claim.                                                     complaints relating to claims it may take us a little longer to
                                                                      respond, especially if we need to consult with medical
We may contact third parties who have or who were to provide          professionals. However, we will let the insured person know what
services to the insured person (for example an airline or travel      information we are waiting for. We will do our best to resolve the
company) to verify the information the insured person has             complaint as quickly as possible.
provided to us.




                                                                                                                                           14
We will do our best to resolve any difficulty directly with the         We may transfer personal information outside of the European
insured person (or parent if the insured person is under 18 years       Economic Area for the above purposes, including for electronic
of age). If we are unable to resolve the complaint satisfactorily the   storage. If we do so, we will ensure an adequate level of
insured person may be entitled to refer any disagreement to the         protection for the insured person’s information.
Financial Ombudsman Service (FOS) to review the case without
affecting the right to take legal action. The address and contact       Calls to us may be monitored or recorded for quality, training and
details are:                                                            security purposes.

Financial Ombudsman Service South Quay Plaza,                           Individuals have the right to request a copy of the personal data
183 Marsh Wall, London E14 9SR                                          that is held about them (for a small charge), and to ask for any
Telephone: 0845 080 1800*                                               inaccuracies to be corrected. Please email:
email: complaint.info@financialombudsman.org.uk                          DataProtectionOfficer@chartisinsurance.com or write to Data
Web: www.financial-ombudsman.org.uk                                      Protection Officer, Legal Department, Chartis Insurance UK
* Calls to this number cost no more than 5p per minute for BT           Limited, The Chartis Building, 58 Fenchurch Street, London
customers (other networks may vary).                                    EC3M 4AB.

15. FINANCIAL SERVICES COMPENSATION                                     17. OTHER INFORMATION
SCHEME (FSCS)                                                           Chartis Direct is a trading name of UNAT Direct Insurance
                                                                        Management Limited. This policy is administered by UNAT Direct
Chartis Insurance UK Limited are covered by the FSCS. If we are
                                                                        Insurance Management Limited (FSA No 312350) who are
unable to meet our financial obligations, the insured person may
                                                                        authorised and regulated by the Financial Services Authority.
be entitled to compensation from the scheme, depending on the
                                                                        Registered office: 96 George Street, Croydon, Surrey
type of insurance and the circumstances of the claim. For this
                                                                        CR9 1BU. Registered number: 03960626.
type of insurance 90% of a claim is covered, without any
upper limit.                                                            This insurance is underwritten by Chartis Insurance UK Limited
                                                                        (FSA No 202628) who are authorised and regulated by the
Further information about compensation scheme arrangements
                                                                        Financial Services Authority and are members of the Association
is available at www.fscs.org.uk and on 0207 892 7300, or
                                                                        of British Insurers. Registered office: The Chartis Building, 58
0800 678 1100.
                                                                        Fenchurch Street, London EC3M 4AB. Registered number:
16. HOW WE USE PERSONAL INFORMATION                                     1486260. This information can be checked by visiting the FSA
We are part of Chartis Inc. By providing personal information to        website at www.fsa.gov.uk/register
us, the insured person gives permission for their information to
be used as described below. If the insured person is providing
personal information about another person, the insured person
confirms that they have that person’s permission to provide the
information to us, and for it to be used in the same way.
Personal information (including sensitive information about health
or medical condition) may be used by us and our group companies
for a variety of purposes, including:
•      insurance administration, including claims processing
       and payment;
•      making decisions on whether to provide insurance cover;
•      provision of assistance, advice and information on
       medical issues;
•      prevention and investigation of crime, including fraud and
       money laundering; and
•      compliance with legal and regulatory requirements.
For these purposes personal information may be shared with our
group companies, healthcare professionals, and our other service
providers and agents (this may include our group company
UNAT Direct Insurance Management Limited). Personal
information will be shared with other third parties if required
by law.
To check information provided, and to detect and prevent
fraudulent claims, information (including details of injuries or
medical conditions) may be put on registers of claims and shared
with other insurers. We are also required to register all third
party claims for compensation relating to bodily injury to the
United Kingdom Department for Work and Pensions. We may
search these registers when dealing with claims to detect and
prevent fraud.
If our business (or any part of it) is sold or transferred at any
time, the information we hold may form part of the assets
transferred although it will still only be used as described here.




15
Barclaycard World MasterCard® Insurances


ABOUT OUR INSURANCE SERVICES                                           4 WHO REGULATES US?:
In the following section ‘we/us’ refers to Barclays Bank PLC.          Barclays Bank PLC is authorised and regulated by
                                                                       the Financial Services Authority. Our FSA Registered number is
NAME AND ADDRESS OF THE                                                122702. You can check this on the FSA’s Register by visiting the
INSURANCE INTERMEDIARY:                                                FSA’s website www.fsa.gov.uk/register or by contacting the FSA
Barclaycard is a trading name of Barclays Bank PLC. Barclays           on 0845 606 1234.
Bank PLC Registered address: 1 Churchill Place, London E14 5HP.
Use this information to decide if our services are right for you.      5 WHAT TO DO IF YOU HAVE A COMPLAINT ABOUT
                                                                       HOW YOUR POLICY WAS SOLD TO YOU:
1 THE FINANCIAL SERVICES AUTHORITY (FSA):                              Please contact: Customer Experience Director, Barclaycard, PO
The FSA is the independent watchdog that regulates                     Box 5592, Northampton NN4 1ZY. Telephone 0844 811 9111.
financial services.                                                     If you cannot settle your complaint with Barclaycard, you may be
2 WHOSE PRODUCTS DO WE OFFER?:                                         entitled to refer it to the Financial Ombudsman Service, South
We offer Purchase Protection, Extended Warranty, Price Promise         Quay Plaza, 183 Marsh Wall, London E14 9SR.
& Event Cancellation - arranged by International SOS Insurance         6 ARE WE COVERED BY THE FINANCIAL SERVICES
Services through certain underwriters at Lloyds
                                                                       COMPENSATION SCHEME (FSCS):
3 ADVICE AND YOUR ‘DEMANDS AND NEEDS’:                                 Barclays Bank PLC is covered by the FSCS. You may be entitled
You will not receive advice or a recommendation from us:               to compensation from the scheme if we cannot meet our
                                                                       obligations. This depends on the type of business and the
Purchase Protection - This insurance provides loss, theft and          circumstances of the claim. Insurance advising and arranging is
accidental damage cover for Covered Purchases made with your           covered for 90% of the total claim, without any upper limit.
Barclaycard World MasterCard subject to the terms, conditions          Further information about compensation scheme arrangements
and limitations shown in the policy. Purchase Protection covers        is available from the FSCS on 020 7892 7300 or by visiting their
most purchases of new, personal items (including gifts) that you       website at www.fscs.org.uk.
buy anywhere in the world.
                                                                       7. STATEMENT OF PRICE:
Extended Warranty - This insurance provides cover for Covered          The premium payable for this insurance is £0.00. The charge for
Purchases with your Barclaycard World MasterCard, subject to           the Barclaycard World MasterCard is £1 a month. There are no
the terms, conditions and limitations shown in the policy. The         taxes or further costs unless otherwise stated. If you cancel the
product must have an original manufacturer's warranty.                 Barclaycard World MasterCard, all associated insurance products
This Extended Warranty will cover the same risks as the original       are cancelled.
manufacturer's cover.
Price Promise - This insurance provides cover for eligible
purchases made with your Barclaycard World MasterCard
subject to the terms, conditions and limitations shown in the
policy. Price Promise covers most purchases of new, personal
items that you buy from any store in the United Kingdom. If you
buy an item with your Barclaycard World MasterCard and then
find the same item for sale at a cheaper price at any retail store
within a thirty (30) mile radius then we will refund the difference.
You must discover the cheaper price within thirty (30) days from
the date of purchase. The item must be exactly the same make,
model and specification.
Event Cancellation - This insurance is provided free to all
Barclaycard World Cardholders and provides indemnity if a
Cardholder books tickets with their Barclaycard World
MasterCard to an event that they are subsequently unable to
attend (see full definitions within the policy wording).




                                                                                                                                     16
LEGAL INFORMATION YOU                                                EXTENDED WARRANTY
                                                                     We will not pay for:
NEED TO BE AWARE OF                                                  •
                                                                     •
                                                                          any items costing less than £50;
                                                                          any item not purchased in full at the point of sale
Policy Summary - Purchase Protection, Extended Warranty,                  with a single transaction using your Barclaycard
Price Promise & Event Cancellation - arranged by International            World MasterCard;
SOS Insurance Services through certain underwriters at Lloyds        •    any items that are not covered under an original
                                                                          manufacturer's warranty at the time of purchase.
                                                                     Details of these exclusions can be found in the policy document
This policy summary does not contain full details and conditions     under the 'What Is Not Covered' section.
of your insurance - these are located in your policy wording.        PRICE PROMISE
TYPE OF INSURANCE AND COVER                                          We will not pay for:
                                                                     •    any item not purchased in full at the point of sale
PURCHASE PROTECTION                                                       with a single transaction using your Barclaycard
This insurance provides loss, theft and accidental damage cover           World MasterCard;
for Covered Purchases made with your Barclaycard World               •    specific sales and promotions;
MasterCard subject to the terms, conditions and limitations          •    any staff related discounts;
shown in the policy. Purchase Protection covers most purchases       •    purchases made outside a thirty (30) mile radius;
of new, personal items (including gifts) that you buy anywhere in    •    purchases not bought for the customers’ own
the world.                                                                personal use;
                                                                     •    internet purchases.
EXTENDED WARRANTY
This insurance provides cover for Covered Purchases with your        Details of these exclusions can be found in the policy document
Barclaycard World MasterCard, subject to the terms, conditions       under the 'What Is Not Covered' section.
and limitations shown in the policy. The product must have an
original manufacturer's warranty.                                    EVENT CANCELLATION
                                                                     We will not pay for:
This Extended Warranty will cover the same risks as the original     •    tickets costing less than £20;
manufacturer's cover.                                                •    additional costs such as hotel and travel arrangements not
                                                                          included in the ticket price;
PRICE PROMISE
                                                                     •    tickets bought privately or through touts;
This insurance provides cover for eligible purchases made with
                                                                     •    claims notified more than thirty (30) days after the event
your Barclaycard World MasterCard subject to the terms,
                                                                     •    more than 4 tickets per year;
conditions and limitations shown in the policy. Price Promise
                                                                     •    any expense which is a direct result of nuclear
covers most purchases of new, personal items that you buy from
                                                                          reaction or radiation;
any store in the United Kingdom.
                                                                     •    war, invasion, act of foreign enemy hostilities.
If you buy an item with your Barclaycard World MasterCard and
                                                                     Details of these exclusions can be found in the policy document
then find the same item for sale at a cheaper price at any retail
                                                                     under the 'What is not covered' section
store within a thirty (30) mile radius then we will refund the
difference. You must discover the cheaper price within thirty (30)   DURATION
days from the date of purchase. The item must be exactly the         Purchase Protection - Ninety (90) days, starting from the day
same make, model and specification.                                   you buy the item (or from the date of delivery and acceptance
                                                                     by you).
EVENT CANCELLATION
                                                                     Extended Warranty - Cover starts from the date the original
This insurance is provided free to all Barclaycard World
                                                                     manufacturer's warranty ends and lasts for one year from
Cardholders and provides indemnity if a Cardholder books tickets
                                                                     that date.
with their Barclaycard World MasterCard to an event that they
                                                                     Price Promise -Thirty (30) days from the date of the
are subsequently unable to attend (see full definitions within the
                                                                     Covered Purchase.
policy wording).
                                                                     Event Cancellation -Thirty (30) days from the start of the event.
ELIGIBILITY                                                          CANCELLATION PERIOD
You are eligible for this cover if you are an Barclaycard World
                                                                     Cover is provided at no extra cost and is automatically included
MasterCard holder.
                                                                     within the terms and conditions of your Barclaycard World
You must pay for the item in full, with a single transaction using   MasterCard, as such the policy can only be cancelled by
your Barclaycard World MasterCard, for cover to be in force.         cancelling the credit card.
Significant or unusual Exclusions or Limitations:
                                                                     CLAIM NOTIFICATION
PURCHASE PROTECTION                                                  To register a claim contact +44 2890 37 1441.
We will not pay for:
                                                                     MAKING YOURSELF HEARD
•    any items costing less than £75;
                                                                     If you are not satisfied with the way in which your claim has been
•    any item not purchased in full at the point of sale
                                                                     handled, you should write to the Managing Director at
     with a single transaction using your Barclaycard
                                                                     International SOS Insurance Services, Landmark House,
     World MasterCard;
                                                                     Hammersmith Bridge Road, London W6 9DP.
•    lost or Stolen items not reported to the Police within thirty
     six (36) hours;
•    damage caused by normal wear and tear;
•    consumable and perishable items.
Details of these exclusions can be found in the policy document
under the 'What Is Not Covered' section.




17
If the problem remains unresolved, the situation can be referred
to the Complaints Department at Lloyd's, who may, in certain
circumstances, be able to review the matter. Their address is:

Complaints Department
Lloyd's
One Lime Street
London
EC3M 7HA
Telephone: 020 7327 5693
Fax No: 020 7327 5225
Email: Complaints@Lloyds.com
Should either of the above parties be unable to resolve your
complaint satisfactorily, you may refer your complaint to the
Financial Ombudsman Service, please write to them at South
Quay Plaza, 183 Marsh Wall, London E14 9SR or via their website
www.financial-ombudsman.org.uk
FINANCIAL SERVICES COMPENSATION
SCHEME (FSCS)
All parties are covered by the FSCS, which is triggered when an
authorised firm goes out of business. In this unlikely event you
may be entitled to compensation from the scheme.
Compensation under the scheme for:
Compulsory insurance is covered in full.
Non-compulsory insurance is protected for 90% of any amount.
Full details are available at www.fscs.org.uk.




                                                                   18
POLICY DOCUMENT -                                                     evidence of a wrongful act by a person or persons.
                                                                      Stolen means a loss which involves the disappearance of a
PURCHASE PROTECTION,                                                  Covered Purchase from a known place under the circumstances
                                                                      that would indicate the probability of theft.
EXTENDED WARRANTY,                                                    Third Party Administrator means International SOS Insurance
PRICE PROMISE,                                                        Services, Landmark House, Hammersmith Bridge Road,
                                                                      London W6 9DP.
EVENT CANCELLATION                                                    Underwriters means certain underwriters at Lloyd's.
Welcome to Your Barclaycard Purchase Protection, Extended             We, Us, Our, Issuing Member: Barclays Bank plc, 1 Churchill
Warranty, Price Promise Policy.                                       Place, London, E14 5HP (we are a bank authorised and regulated
This cover is free to all Barclaycard World MasterCard holders.       by the Financial Services Authority (FSA) and entered in the FSA
In the event of You needing to make a claim please contact the        register under number 122702).
Claims Helpline on +44 2890 37 1441.                                  You, Your, Cardholder, Eligible Persons: the Principal Cardholder
Telephone calls may be monitored or recorded to assist with staff     and Additional Cardholders as specified in the Barclaycard World
training and for quality control purposes.                            MasterCard Agreement.

Under this Policy the Insurer agrees to provide Purchase              WHAT IS COVERED
Protection, Extended Warranty and Price Promise Policy cover on
                                                                      PURCHASE PROTECTION
the basis of the following terms, conditions and exclusions.
                                                                      Subject to the Schedule(s) of Benefits, if a Covered Purchase, or a
MEANING OF WORDS USED IN THIS POLICY                                  Covered Purchase given as a gift, is lost, Stolen or damaged,
Act of Terrorism shall mean an act, including but not limited to      benefits will be paid subject to Section 1., Purchase Protection:
the use of force or violence and/or threat thereof, of any person     Valuation, up to the amounts described in Section 2., Purchase
or group(s) of persons, whether acting alone or on behalf of or in    Protection: Scope of Coverage.
connection with any organisation(s) or government(s),                 Loss or damage must occur within ninety (90) days of the date
committed for political, religious, ideological or similar purposes   of the Covered Purchase. No registration of the Covered
or reasons including the intention to influence any government         Purchase is necessary.
and/or to put the public, or any section of the public, in fear.
                                                                      Coverage is in excess of any other applicable insurance or
Benefits shall mean the indemnified benefits supplied by                 indemnity the Eligible Person may have. Coverage is limited only
Underwriters under the terms and conditions of this Certificate.       to those amounts not covered by any other insurance or
Card means a card issued by Us in which the Benefits of this           indemnity, up to the original purchase amount. In no event will
Certificate have been incorporated.                                    this coverage apply as contributing insurance. This insurance is in
                                                                      excess of all other valid and collectable insurance clauses found in
Cardholder/s, You, Your shall mean any person who has a valid         other insurance or indemnity language.
Barclaycard World MasterCard issued by Us bearing Bank
Identification Number (BIN) 518625.
                                                                      1) PURCHASE PROTECTION VALUATION
Certificate means this Certificate of Insurance                         The Underwriters shall be liable for the lesser of the
Covered Purchase means an item purchased by an Eligible               following amounts:
Person and paid for by using an Eligible Account. For a               1. the amount of the Covered Purchase indicated on the Eligible
purchase to be considered a Covered Purchase, the entire              Account; or
purchase amount for the item must have been made through the          2. the actual cost to repair or replace the Covered Purchase with
Eligible Account.                                                     an item of like, kind and quality.
Due Diligence means the performance of all vigilant activity,         With respect to Covered Purchase which consists of articles in a
attentiveness and care that would be taken by a reasonable            pair or set, the Company's liability shall be limited to the cost of
and prudent person in the same or similar circumstances in            any particular part(s) which may be lost, Stolen or damaged,
order to guard and protect a Covered Purchase from loss, theft        unless the articles are unusable individually and cannot be
or damage.                                                            replaced individually; provided, however, liability for items of
Effective Date means the day you receive your Barclaycard             jewellery or fine arts consisting of articles in a pair, set or
World MasterCard.                                                     collection will not be more than that cost of any particular parts
                                                                      which may be lost or damaged without reference to any special
Eligible Account(s) means card accounts, if in good standing and      value which such article or articles may have as part of such pair,
open to use, with or without balances.                                set or collection.
Event means a prearranged show, match or other organised              2) PURCHASE PROTECTION SCOPE OF COVERAGE
event for which tickets for attendance are purchased in full in       The maximum liability of the Underwriters under this Policy is as
advance on Barclaycard World MasterCard.                              indicated in the Schedule(s) of Benefits.
Expiry Date means the date your Barclaycard MasterCard is no          Coverage limits for Eligible Persons are subject to limitations
longer open or is not operated within the terms and conditions of     stated in the Schedule(s) of Benefits.
Your account.
General Exclusions means the exclusions listed in Section 9 of        EXTENDED WARRANTY
this Certificate.                                                      Subject to the Schedule(s) of Benefits, coverage is provided
Period of Insurance shall be the period between the Effective         which doubles the original manufacturer's warranty period, if
Date and the Expiry Date.                                             applicable, to a period of not exceeding twenty four (24) months
                                                                      from the date the Covered Purchase was bought as indicated in
Mysterious Disappearance means the vanishing of a purchased           the applicable Schedule of Benefits. Coverage is also provided for
item in an unexplained manner where there is an absence of




19
items which carry a store brand warranty, but only if the store         (including but not limited to invasion, rebellion or insurrection);
warranty is on a store-branded item. If a warranty is purchased         any weapon of war employing atomic fission or radioactive force,
with the product, in addition to the manufacturer's original            whether in time of peace or war and nuclear reaction or nuclear
warranty or store warranty, coverage hereon is applicable only          radiation or radioactive contamination, all whether controlled or
after all other warranties expire but only within twenty four (24)      uncontrolled, and whether such loss be direct or indirect,
months from the date the Covered Purchase was bought. No                proximate or remote, or be in whole or in part caused by,
registration of the Covered Purchase is necessary. Covered              contributed to or aggravated by the perils insured against in this
Purchases given as gifts are covered.                                   Policy; confiscation by any government, public authority or
                                                                        customs official; risks of contraband, losses arising from illegal
If a Covered Purchase ceases to operate satisfactorily and              activity or acts; act of God (including but not limited to flood,
requires repair during the period covered by this Policy, benefits       hurricane and earthquake); Mysterious Disappearance; property
will be paid to cover the cost of the repair. The item may be           while in the care, custody or control of any common carrier
replaced, instead, at the Company's option. In no event will this
Policy pay more than the actual purchase amount charged to the          Coverage is not provided for loss or damage when the Eligible
Eligible Account for the item covered by the warranty.                  Person fails to exercise Due Diligence to avoid or diminish loss or
                                                                        damage to Covered Purchases.
PRICE PROMISE
If in the event that, during the period of thirty (30) days from the    Items Stolen from public places are not covered unless they are
date of the purchase with the credit card, the item purchased is        locked wherever and whenever circumstances permit. Stolen or
advertised at a lower price in the press or at another store,           lost items are not covered unless they are reported as Stolen,
Underwriters will reimburse the cardholder for the difference           within thirty six (36 hours), to the police or an appropriate
between the original purchase price paid and the lower                  authority where the incident took place.
advertised price.
                                                                        Items Stolen from unattended vehicles are not covered. Any
EVENT CANCELLATION                                                      additional exclusions are indicated in the Schedule(s) of Benefits.
If, a Cardholder books tickets to an Event that they are
                                                                        EXTENDED WARRANTY
subsequently unable to attend, then the Underwriters will be
                                                                        Covered Purchases do not include: 1) boats; 2) motorised vehicles
responsible for indemnifying the Cardholder for the cost of the
                                                                        (including but not limited to aeroplanes, automobiles, trailers,
unused tickets up to the limit shown in the Schedule of Benefits in
                                                                        caravans or any towed items and motorcycles) or their motors,
this Certificate.
                                                                        equipment and accessories (including but not limited to
CONDITIONS TO SECTION 6                                                 communication devices intended solely for use in the vehicle);
Tickets to the event must have been booked and paid for in              3) land or buildings (including but not limited to homes and
advance on the Barclaycard World MasterCard through                     dwellings); 4) consumables and perishables or services (including
recognised ticket agencies and not privately or through touts.          but not limited to the performance or rendering of labour or
                                                                        maintenance, repair or installation of products, goods, property
The minimum cost per ticket must be in excess of £20.00.                or professional advices of any kind).
The number of claims per Cardholder per year is limited to 4            Any additional exclusions are indicated in the Schedule(s)
tickets either separately or for a single event.                        of Benefits.
Additional costs such as hotel and travel arrangements not              PRICE PROMISE
included in the ticket price are not covered under the terms of         Covered Purchases do not include: 1) boats; 2) motorised vehicles
this policy.                                                            (including but not limited to aeroplanes, automobiles, trailers,
WHAT IS NOT COVERED                                                     caravans or any towed items and motorcycles) or their motors,
                                                                        equipment and accessories (including but not limited to
PURCHASE PROTECTION                                                     communication devices intended solely for use in the vehicle);
Covered Purchases do not include: 1) boats; 2) motorised vehicles       3) land or buildings (including but not limited to homes and
(including but not limited to aeroplanes, automobiles, trailers,        dwellings); 4) travellers cheques, tickets of any kind, negotiable
caravans or any towed items and motorcycles) or their motors,           instruments, deposits or down-payments of any kind, bullion,
equipment and accessories (including but not limited to                 rare or precious coins, cash or its equivalent; 5) plants or animals;
communication devices intended solely for use in the vehicle);          6) consumables and perishables; 7) items which the Eligible
3) land or buildings (including but not limited to homes and            Person damages through alteration (including cutting, sawing or
dwellings); 4) travellers cheques, tickets of any kind, negotiable      shaping); 8) services (including but not limited to the performance
instruments, deposits or down-payments of any kind, bullion,            or rendering of labour or maintenance, repair or installation of
rare or precious coins, cash or its equivalent; 5) plants or animals;   products, goods, property or professional advices of any kind);
6) consumables and perishables; 7) items which the Eligible             9) travel tickets, holidays, car hire or flight bookings; or 10) items
Person damages through alteration (including cutting, sawing or         of jewellery.
shaping); or 8) services (including but not limited to the
                                                                        Additionally cover will not include claims relating to:
performance or rendering of labour or maintenance, repair or
                                                                        1. specific sales and promotions;
installation of products, goods, property or professional advices
                                                                        2. any staff related discounts;
of any kind).
                                                                        3. purchases made outside a thirty (30) mile radius;
Loss, theft of, or damage to, jewellery, cameras or video               4. purchases not bought for the customers’ own personal use;
recording equipment contained in baggage is not covered unless          5. internet purchases.
carried by the Eligible Person by hand or under the personal
supervision of the Eligible Person or the Eligible Person's
                                                                        EVENT CANCELLATION
travelling companion previously known to the Eligible Person.           This Certificate does not cover: 1) Costs, which are more
Items listed as Stolen will be subject to Section 1., Purchase          specifically covered by or recoverable from any other insurance
Protection: Valuation; Section 2., Purchase Protection: Scope of        policy under which the Cardholder is covered; 2) Claims notified
Coverage; and What Is Not Covered.                                      more than thirty (30) days after the event; 3) Claims arising from
                                                                        or in any way connected with a wilfully self inflicted Bodily Injury
Coverage is not provided for loss, theft or damage caused by            or Illness, insanity, alcohol, drug or substance abuse or self
fraud, abuse, wear and tear, gradual deterioration, moths,              exposure to needless peril (except in an attempt to save human
vermin, inherent product defects, war or hostilities of any kind        life) including suicide; 4) Claims relating to the commission of, or




                                                                                                                                         20
the attempt to commit, an unlawful act; 5) Any expense,                 F) Misrepresentation and Fraud
regardless of any contributory cause(s), involving the use of or        Coverage as to an Eligible Person shall be void if, whether before
release or the threat thereof of any nuclear weapon or device or        or after a loss, the Eligible Person has concealed or
chemical or biological agent, including but not limited to expenses     misrepresented any material fact or circumstances concerning
in any way caused or contributed to by an Act of Terrorism or           this insurance or the subject thereof, or the interest of the Eligible
war; 6) Any expense which is a direct result of nuclear reaction        Person therein, or if the Eligible Person commits fraud or false
or radiation;                                                           swearing in connection with any of the foregoing.
TERMS AND CONDITIONS                                                    G) Underwriters Right to Recover From Others
The coverage provided by this Policy is subject to the following        If Underwriters make payment they are entitled to recover such
terms and conditions:                                                   amounts from other parties or persons. Any party or person to
                                                                        or from whom Underwriters make payment must transfer to
A) Notification of Claims
                                                                        Underwriters his or her rights of recovery against any other
     i. Purchase Protection, Extended Warranty &
                                                                        party or person. The party or person transferring such must do
     Price Promise If any covered loss occurs, notice must be
                                                                        everything necessary to secure these rights and must do nothing
     provided to Underwriters within forty five (45) days of the
                                                                        that would jeopardise them.
     date that the incident occurred. Failure to give notice within
     forty five (45) days from the date of the incident will result      H) Legal Actions
     in a denial of the claim. The Eligible Person shall take all       No action at law or in equity shall be brought to recover on this
     reasonable measures to protect, save and/or recover                Policy prior to the expiration of sixty (60) days after written proof
     the property.                                                      of loss has been furnished in accordance with the requirements of
     ii. Event Cancellation If any covered loss occurs, notice          this Policy.
     must be provided to Underwriters within thirty (30) days of
     the date that the incident occurred. Failure to give notice        I) Conformity with State Statutes
     within thirty (30) days from the date of the incident will         Any provision of this Policy which, on its effective date, is in
     result in a denial of the claim. A claim form must be              conflict with the statutes of the state in which this Policy was
     completed by the Cardholder and submitted to the                   delivered or issued for delivery is hereby amended to conform to
     Underwriters within ninety (90) days of the loss being             the minimum requirements of such statutes.
     incurred. All original tickets must be submitted to                J) Entire Contract Change
     substantiate a claim.                                              This Policy, including any endorsements and attached papers,
B) Claims Forms                                                         constitutes the entire contract of insurance. No change in this
Underwriters or their authorised agent, upon receipt of a notice        Policy shall be valid until approved by Underwriters and unless
of claim, will furnish to the Eligible Person any necessary forms       such approval is endorsed and attached hereto. No agent has
for filing proof of loss.                                                authority to change this Policy or to waive any of its provisions.
                                                                        The Underwriters may at any time change any term or condition
C) Proof of Loss                                                        of this Policy. If this is the case We will give You not less than
      i. Purchase Protection & Extended Warranty Written proof          thirty (30) days written notice of such change to You at Your last
      of loss including any required information necessary to           known address.
      support a claim must be furnished to Underwriters or its
      authorised agent at its said location within ninety (90) days     K) The Law Applicable to this Contract
      after the date of the incident. The Policy will only pay claims   This Certificate shall be governed and construed in accordance
      that are completely substantiated in the manner requested         with the laws of England and Wales and the courts of England
      within twelve (12) months after the incident date.                and Wales shall have jurisdiction in any dispute arising hereunder
      For Covered Purchase claims, the Eligible Person must             unless otherwise agreed by Underwriters in writing.
      complete the claim form and attach all requested                  L) Language
      documentation, including a legible copy of the credit card        We will always communicate with You in English.
      charge slip and/or store receipt and police report or other
      proof of loss.                                                    SCHEDULE OF BENEFITS
      ii. Price Promise The following information must be               Coverage shall be provided as described herein pursuant to any
      furnished to Underwriters or its authorised agent at its said     limitations, exceptions and exclusions which follow:
      location within thirty (30) days of the claim being notified:
                                                                        A) Purchase Protection
•     documentary or written evidence supplied by the store of
                                                                        Coverage is subject to a limit of £3,000 per item, £6,000 per
      the lower price (excluding press advertising errors)
                                                                        claim and of £15,000 per cardholder per annum.
•     original credit card and store receipt
•     any other items deemed reasonable by us to process                Minimum Purchase Price: £75, Deductible: Nil
      your request
                                                                        B) Extended Warranty
D) Time of Payment of Claims                                            Coverage is subject to a limit of £1,500 per item, maximum of 5
Benefits payable under this Policy for any loss will be paid within      claims per year up to £7,500 per year.
fourteen (14) days of receipt of the written proof of such loss and
all required information necessary to support the claim.                Minimum Purchase Price: £50, Deductible: Nil
Underwriters may in any claim for damage recoverable                    C) Price Promise
hereunder, require the Eligible Person to send the damaged              Coverage is subject to a limit of £375 per item and a maximum of
item to an address designated by Underwriters at the Eligible           4 claims per year up to £1,500 per year.
Person’s expense.
E) Payment of Claims
All Benefits payable will be paid to the Eligible Person or, in the
case of death, to the Eligible Person's estate.




21
Minimum Purchase Price: £50, Deductible: Nil                            Financial Guarantee Exclusion Clause
                                                                        This policy does not cover any form of Financial Guarantee,
D) Event Cancellation                                                   Surety or Credit Indemnity.
Coverage is subject to a limit of £1,000 per event and a maximum
of 4 tickets per year.                                                  War And Terrorism Exclusion Endorsement
                                                                        Notwithstanding any provision to the contrary within this
Electronic Date Recognition Exclusion (EDRE)                            insurance or any endorsement thereto it is agreed that this
This Policy does not cover any loss, damage, cost, claim or             insurance excludes loss, damage, cost or expense of whatsoever
expense, whether preventative, remedial or otherwise, directly or       nature directly or indirectly caused by, resulting from or in
indirectly arising out of or relating to:                               connection with any of the following regardless of any other
                                                                        cause or event contributing concurrently or in any other
A) the calculation, comparison, differentiation, sequencing or          sequence to the loss;
processing of data involving the date change to the year 2000, or       1. war, invasion, acts of foreign enemies, hostilities or warlike
any other date change, including leap year calculations, by any         operations (whether war be declared or not), civil war, rebellion,
computer system, hardware, programme or software and/or any             revolution, insurrection, civil commotion assuming the
microchip, integrated circuit or similar device in computer             proportions of or amounting to an uprising, military or usurped
equipment or non-computer equipment, whether the property of            power; or
the Insured or not; or                                                  2. any act of terrorism. For the purpose of this endorsement an
                                                                        act of terrorism means an act, including but not limited to the use
B) any change, alteration, or modification involving the date            of force or violence and/or the threat thereof, of any person or
change to the year 2000, or any other date change, including            group(s) of persons, whether acting alone or on behalf of or in
leap year calculations, to any such computer system, hardware,          connection with any organisation(s) or government(s),
programme or software and/or any microchip, integrated circuit          committed for political, religious, ideological or similar purposes
or similar device in computer equipment or non-computer                 including the intention to influence any government and/or to put
equipment, whether the property of the Insured or not.                  the public, or any section of the public, in fear.
This clause applies regardless of any other cause or event that
contributes concurrently or in any sequence to the loss, damage,        This endorsement also excludes loss, damage, cost or expense of
cost, claim or expense.                                                 whatsoever nature, directly or indirectly cause by, resulting from
                                                                        or in connection with any action taken in controlling, preventing,
Radioactive Contamination Exclusion                                     suppressing or in any way relating to 1 and/ or 2 above.
This Insurance does not cover:                                          If the Underwriters allege that by reason of this exclusion, any
       (i) loss or destruction of, or damage to, any property           loss, damage, cost or expense is not covered by this insurance
       whatsoever or any loss or expense whatsoever resulting or        the burden of proving the contrary shall be upon the Assured.
       arising there from or any consequential loss;                    In the event any portion of this endorsement is found o be
       (ii) any legal liability of whatsoever nature directly or        invalid or unenforceable, the remainder shall remain in full force
       indirectly caused by or contributed to by or arising from:       and effect.
            A) ionizing radiations or contaminations by radioactivity
            from any nuclear fuel or from any nuclear waste from
            the combustion of nuclear fuel;
            B) the radioactive, toxic, explosive or other hazardous
            properties of any explosive nuclear assembly or nuclear
            component thereof;
            C) nuclear reaction, nuclear radiation or
            radioactive contamination.




                                                                                                                                        22
Available in large print, Braille or audio format by calling 0844 811 9119.
Call charges may apply. Please check with your service provider. Calls may be monitored and/or recorded in order to maintain high levels
of security and quality of service.
Barclaycard is a trading name of Barclays Bank PLC. Barclays Bank PLC is authorised and regulated by the Financial Services Authority
and subscribes to the Lending Code which is monitored and enforced by the Lending Standards Board. Registered in England No:
1026167. Registered Office: 1 Churchill Place, London E14 5HP.
                                                                                                                 BCD112708MTC 09/11

				
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