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					Royalties Private


Keyfacts about our insurance services
Insurance policy summary information
Royalties Private Insurance Products
Important Information – Please review the high level policy summaries below, and
all the information provided in this document, to ensure our policies fully meet your
needs and the cover is right for you.

             Key Benefits                                  Main Exclusions
Travel       G Worldwide and UK multi trip cover for you   G If you are 70 or over you must call 0845 878 0000
Insurance      and your family                               to confirm eligibility as you may be subject to
             G 5 star rated by Defaqto, an independent       special terms or exclusions
               financial research company                  G Maximum trip duration limit of 31 days
             G Winter Sports included                      G Winter Sports cover is restricted to a total of 21 days
             G Automatic Cover – no need to register
                                                             per annum
                                                           G Any existing medical conditions must be declared

                                                             by calling 0845 878 0000
                                                           G Dependent children must be:

                                                             – under 18 at the start date of the journey or under
                                                               23 if in full time education
                                                             – living at the home address (or with the other parent)
                                                             – unmarried or have not entered into a Civil Partnership
                                                           G Dependent children and any guests added to the

                                                             policy must be travelling with an insured adult
                                                           G Trips in the UK must be pre-booked and at least

                                                             3 nights duration
             To make a claim call 0845 878 0000            G Hazardous Activity is not covered



Home         G 24/7 home emergency cover up to £500        G Doesn’t cover loss or damage arising from circumstances
Emergency      including VAT                                 occurring within 14 days of opening your account or
Service      G Automatic Cover – no need to register         known to you prior to the period of membership
                                                           G Doesn't cover claims arising after the home has been

                                                             left unoccupied for more than 30 consecutive days
                                                           G Boilers over 10 years old and/or with an output

                                                             exceeding 60kW are not covered
             For home emergency services                   G Boilers not serviced within the last 12 months are

             call 0845 878 0000                              not covered
Identity     G Up to £10,000 cover for expenses incurred   G   An excess of £50 applies to each identity theft event
Theft          by you in defending and restoring your      G   Loss arising out of business activity is not covered
Protection     credit status after fraudulent activity.
             G Credit report and card monitoring service

             G Emergency helpline and fraud resolution

               service                                     Identity Theft Protection Insurance is automatic.
                                                           To register for the other listed benefits call
             To make a claim call 0845 878 0000            0845 878 0000
Royalties Private Insurance Products
             Key Benefits                                        Main Exclusions
Payment      G Covers unauthorised and fraudulent use            G Losses must be reported within 24 hours of discovery
Card           of registered cards up to £6,000 including        G Does not cover losses incurred after the incident has
Protection     VAT per claim                                       been reported
             G One call cancels your registered cards and        G Does not apply to loss due to fraudulent use by the

               orders replacements if they are lost or stolen.     cardholder, including keeping the PIN with the card
                                                                   or revealing it to anyone
             To make a claim call 0845 878 0000
             (+44 239 267 0101)                                  Cards must be registered by calling 0845 878 0000
Mobile       G Covers up to four registered mobile               G All claims must be reported to us within 48 hours of
Phone          phones and SIM cards, for each Royalties            discovering the incident, unless you are outside of
Insurance      Private account valued up to £450 per               the UK at the time of discovering the incident and
               phone for the cost of repair or replacement         are unable to contact us; then we must be contacted
               in the event of loss, theft or accidental           within the shorter of either: 48 hours upon return to
               damage                                              the UK, and 30 days upon discovery of the incident
             G Covers unauthorised calls up to £2,500            G Your cover will commence 21 days after you register

               for a contract phone and up to £100 for             your details
               pay-as-you-go (this will apply to top-ups         G An incident involving loss or theft must be reported

               purchased in the 24 hours preceding the             to the Police and the airtime provider within
               incident, per claim)                                24 hours of discovery of the incident
             G Covers up to £200 worth of accessories            G Covers up to 2 claims per account holder during any

               per claim                                           12 month period – £25 excess for first successful
                                                                   claim and £50 excess for second, per incident
                                                                 G Proof of purchase is required for any claims

                                                                 G Phones must be owned by account holder(s) or their

                                                                   family
                                                                 G Does not cover PDA (Personal Digital Assistant) or

                                                                   Blackberry type devices
             To make a claim call 0854 878 0000 or               Phones must be registered by calling 0845 878
             visit rbs.co.uk/royaltiesprivatemembers,            0000 or visiting rbs.co.uk/royaltiesprivatemember,
             password: Pri548E                                   password: Pri548E
Royalties Private Insurance Products
                 Key Benefits                                    Main Exclusions
TechProtector®   G Covers up to 20 registered self contained     G All claims must be reported to us within 48 hours of
Cover              portable devices (gadgets) up to a              discovering the incident, unless you are outside of
                   combined value of £1,000 for the cost of        the UK at the time of discovering the incident and are
                   repair or replacement in the event of theft     unable to contact us; then we must be contacted
                   or damage                                       within the shorter of either: 48 hours upon return to the
                 G Covers up to £50 worth of accessories per       UK, and 30 days upon discovery of the incident
                   claim                                         G Your cover will commence 21 days after you register

                 G Minimum value of £50 per claim                  your details
                                                                 G Covers up to 2 claims per account during any

                                                                   12 month period – £25 excess for first successful
                                                                   claim and £50 excess for second, per incident
                                                                 G An incident involving theft or malicious damage

                                                                   must be reported to the Police within 24 hours
                                                                 G Proof of purchase is required

                                                                 G Does not cover items under £50

                                                                 G Does not cover loss of items

                                                                 G Gadgets must be owned by the account holder(s)

                                                                   or their family
                                                                 G Gadgets must be less than 2 years old when registered


                 To make a claim call 0854 878 0000 or           Devices must be registered by calling 0845 878
                 visit rbs.co.uk/royaltiesprivatemembers,        0000 or visiting rbs.co.uk/royaltiesprivatemember,
                 password: Pri548E                               password Pri548E
Extended         G Breakdown cover for domestic electrical       G   The first £25 of any claim is not covered
Warranty           goods for up to 2 years (to a total           G   Items must be paid for in full with a Royal Bank of
                   maximum of 3 years) after the                     Scotland debit or credit card – proof of purchase
                   manufacturers original warranty has expired       and manufacturers warranty is required
                 G Up to £1,000 per item and up to £10,000

                   per policyholder in any 12 month period
                 G Automatic Cover – no need to register


                 To make a claim call 0845 878 0000
Accidental       G Up to £50,000 accidental death insurance      G For any persons aged 70 or over Accidental Death
Death            G Up to £200,000 if travelling on licensed        Insurance cover is reduced by 50%
Insurance          public transport or in a hired car            G For joint account holders, the cover is split equally

                 G Automatic Cover – no need to register           amongst account holders
                 To make a claim call 0845 841 0059
Contents

                                            Page

Keyfacts about our insurance services         6

Your Policy Summary                           9

Total Price to be Paid                        9

Business Language Used                        9

TechProtector Cover®                         10

Mobile Phone Insurance                       14

Identity Theft Protection                    18

Accidental Death Insurance                   20

Payment Card Protection                      23

Extended Warranty                            27

Home Emergency Service                       30

Travel Insurance                             33




                                        5
about our insurance services
                                                                                36 St. Andrew Square
                                                                                Edinburgh
                                                                                EH2 2YB
1. The Financial Services Authority (FSA)
The FSA is the independent watchdog that regulates financial services. Use the information to decide
if our services are right for you.

2. Whose products do we offer?
     We offer products from a range of insurers.
     We only offer products from a limited number of insurers.
    We can only offer products from:
     G UK Insurance Limited for creditor insurance with the life cover element either being provided by


       Direct Line Life Insurance Company Limited or Royal Scottish Assurance plc (except for our
       mortgage loanguard product whichs provided by Direct Line Insurance plc)
     G   UK Insurance Limited for home insurance
     G   UK Insurance Limited for motor insurance
     G   UK Insurance Limited for stand alone travel insurance
     G   Sterling Insurance Group Limited for personal accident insurance (except our Direct Marketing
         channel where a product from Avon Insurance plc is offered)
     G   UK Insurance Limited for Essentials Contents Insurance
     G   Royal Scottish Assurance plc for term assurance
     G   Royal Scottish Assurance plc for critical illness insurance
     G   Aviva Health UK Limited for income replacement insurance
     G   ACE European Group Limited for accidental death insurance provided with all Royalties
         current accounts

 6
    G   UK Insurance Limited for travel insurance offered with eligible Royalties current accounts
    G   Allianz Insurance plc for payment card protection offered with eligible Royalties current accounts
    G   Allianz Insurance plc for extended warranty insurance offered with eligible Royalties current accounts
    G   UK Insurance Limited for home emergency insurance provided with eligible Royalties current accounts
    G   London General Insurance Company Limited for mobile phone insurance and TechProtector Cover
        provided with eligible Royalties current accounts
    G   AIG UK Limited for identity theft protection provided with eligible Royalties current accounts
    G   UK Insurance Limited for Green Flag Motoring Assistance provided with eligible Royalties current
        accounts.
    We only offer our own products.

3. Which service will we provide you with?
    We will advise and make a recommendation for you after we have assessed your needs.
   You will not receive advice or recommendations from us for any type of non-investment insurance
    contract. We may ask some questions to narrow down the selection of products that we will provide
    details on. You will then need to make your own choice about how to proceed.

4. What will you have to pay us for our services?
    A fee.

   No fee.

    You will receive a quotation that will tell you about any other fees relating to any particular
    insurance policy.

5. Who regulates us?
    The Royal Bank of Scotland plc, 280 Bishopsgate, London EC2M 4RB is authorised and regulated by
    the Financial Services Authority. Our FSA Register number is 121882.
    Our permitted business is arranging and advising on non-investment insurance.
    You can check this on the FSA’s Register by visiting the FSA’s website www.fsa.gov.uk or by
    contacting the FSA on 0300 500 5000.




                                                                                                                 7
6. Ownership
     The Royal Bank of Scotland Group plc, which is a parent undertaking of various insurance companies
     in the Royal Bank of Scotland Group (including Direct Line Insurance plc, Direct Line Life Insurance
     Company Limited, National Insurance and Guarantee Corporation Limited, UK Insurance Limited,
     Churchill Insurance Company Limited, National Westminster Life Assurance Limited and Royal
     Scottish Assurance plc), also directly wholly owns and controls The Royal Bank of Scotland plc.

7. What to do if you have a complaint
     If you wish to register a complaint, please contact us:

     In writing       The Royal Bank of Scotland plc, Customer Relations Unit, The Forthstone,
                      56 South Gyle Crescent, Edinburgh EH12 9LE

     By phone         0800 015 5035

     If you cannot settle your complaint with us, you may be entitled to refer it to the Financial
     Ombudsman Service.

8. Are we covered by the Financial Services Compensation Scheme (FSCS)?
     Under the Financial Services and Markets Act 2000, should the company be unable to meet all its
     liabilities to policyholders, compensation may be available. Insurance advising and arranging is
     covered for 100% of the first £2,000 and 90% for the remainder of the claim, without any upper limit
     (with effect from 01/01/10 maximum 90% of the claim, without any upper limit). For compulsory
     classes of insurance, insurance advising and arranging is covered for 100% of the claim, without any
     upper limit. Information can be obtained on request, or by visiting the Financial Services
     Compensation Scheme website at www.fscs.org.uk




 8
Your Policy Summary                                      Benefits under the plan are free of all personal
                                                         taxes under current law and Inland Revenue
Please read this document carefully. Full Terms          practice. Tax law and practice may change in the
and Conditions can be found within the                   future. Other taxes may exist that are not paid via
Policy Document.                                         underwriting Insurer and/or The Royal Bank of
This document does not form part of the contract         Scotland plc or imposed by them or us.
between us.                                              The Monthly Subscription Charge for the account
For full details of cover, including Terms and           will be inclusive of Insurance Premium Tax, where
Conditions, please refer to leaflet ‘Royalties Private   applicable, at the current rate.
Terms and Conditions’ which will be contained as
part of your Royalties Private Welcome Pack.
                                                         Business Language Used
                                                         The language used in this and all other documents
Total Price to be Paid                                   relating to this policy is English. All future
                                                         communications both verbal and written will be
There is no separate charge for these insurance
                                                         in English.
policies. There is a monthly subscription charge for
the Royalties Private account and this charge is
not adjusted should you not wish to use the
insurance product.




                                                                                                               9
TechProtector® Cover

Statement of Demands                                   Benefits) section shown below, and are
                                                       permanently resident in the United Kingdom.
and Needs
TechProtector® Insurance meets the demands and
                                                       This policy covers (Main benefit):
needs of Royalties Private account holders             G   A self contained, portable device (the insured
permanently resident in the UK who wish to protect         device), having the design intention of
a self contained portable device designed to support       supporting multimedia applications or
or maintain multimedia applications and content,           obtaining multimedia content. The insured
that is no more than 2 years old from original             device must be self supporting and not be
purchase date, against theft or damage. The Royal          dependent upon any other type of physical
Bank of Scotland is not making a personal                  device for its operation and must be no more
recommendation based on your individual                    than 2 years old (from original purchase date
circumstances that the policy is suitable for your         of the device when new) at point of registration.
needs and we recommend that you read the Policy            The insured device must be owned by you or
Summary. You may need to review your cover                 your family members.
periodically to ensure it remains adequate to          G   Theft, accidental damage, malicious damage,
your needs.                                                water and liquid damage and electrical or
                                                           mechanical breakdown of the insured device.
Your Policy Summary
                                                       G   Accessories (those which are damaged or
As a benefit of being an RBS Royalties Private             stolen at the same time as the insured device)
account holder, you can choose to register for             to a maximum of £50 including VAT per claim.
TechProtector® Insurance with Lifestyle Services
                                                       G   The insured device and accessories wherever you
Group Limited (we/us/our). This section gives a
                                                           or a family member are in the world, repair or
summary of the cover provided. Full terms,
                                                           replacement will be arranged upon your or your
conditions and exceptions are detailed within the
                                                           family members (as relevant) return to the UK.
Policy Document section.
                                                       Cover is limited to the current market value of the
You may register for this cover if you or your         insured device (or a device of similar specification
family members own a device as described in the        in the event the specific device is unobtainable)
first paragraph of ‘This Policy Covers’ (Main          subject to the policy limit of £1,000 including VAT.

10
This policy is designed to cover the                   G   More than two accepted claims in total during
following or similar devices:                              any rolling 12-month period
                                                       G   Any claim made in the period of 21 days after
PDAs (Personal Digital Assistant), digital cameras,
satellite navigation systems, portable camcorders          you register the device and a period of 21 days
(digital or otherwise), handheld games consoles            after you change the insured device you have
(for example, PSP, Nintendo Gameboy, GP2X),                already registered
portable sound and vision devices, laptops, ipods,     G   Theft of the insured device and accessories
mp3s, USB Storage Device.                                  from any unattended motor vehicle, unless
                                                           secured in the glovebox or locked boot
We will use our discretion as to whether devices not
                                                       G   Theft of the insured device and accessories
specifically defined within this section can be
covered under this policy.                                 from any unattended building or premises,
If you are unsure if a device may be covered,              unless evidenced damage was caused in
please contact 08458 78 00 00, minicom users               gaining entry to, or exit from, the premises
call 08456 00 05 12 for assistance.                    G   Theft of the insured device and accessories
                                                           where they have been left accidentally or
This policy will not cover the following
                                                           deliberately in a public place or a place to
or similar devices:
                                                           which others have access
Mobile phones, GSM/GPRS/3G, in car                     G   Theft of, or damage to, the insured device and
entertainment, accessories or systems                      accessories where they have been passed to
permanently fitted into a car. However where a             someone else other than a family member
device has voice calling capability but this is not
                                                       G   Single devices of less than £50 including VAT
the principle purpose of the device we will use our
                                                           in value, or a combined value of greater than
discretion as to whether it can be covered.
                                                           £1,000 including VAT.
Full details can be found in section D of the          G   Non-registered devices
Policy Document.
                                                       G   Any incident which occurred as a result of your
This policy does not provide cover for (Main               or your family members lack of reasonable
exclusions):                                               care of the insured device
G   The policy excess of £25 for the first accepted    Full details can be found in section I of the
    claim and £50 for a second accepted claim          Policy Document.
    within a rolling 12-month period
                                                       Price
G   Any digital content stored in the memory of
                                                       This policy is provided as a benefit of you being an
    the insured device, or on a hard disk, memory
                                                       RBS Royalties Private account holder. The cost is
    card or other storage media
                                                       an inclusive part of your standard monthly fee.


                                                                                                              11
To register your device                                 G   You must inform the Police within 24 hours of
                                                            discovering any theft, or malicious damage for
To take advantage of this TechProtector Insurance
                                         ®

                                                            which you wish to make a claim, obtaining an
you must register the details of the device. Please
                                                            incident reference number.
follow the process below. If you do not register the
                                                        G   You must register a claim with us within 48
details of the device you will not be covered. If you
wish to change the insured device already                   hours of discovering any incident for which you
registered you must telephone us.                           wish to claim by visiting our website or by
                                                            contacting Royalties Membership Services on
G    Log on to the website at any time:                     08458 78 00 00, minicom users call
     www.rbs.co.uk/royaltiesprivatemembers                  08456 00 05 12.
     Telephone 08458 78 00 00, minicom users            G   You must complete and return the claim form
     call 08456 00 05 12                                    to us within 30 days of receiving it, ensuring
     Monday to Friday, 8am–8pm (except Bank                 that you have followed the procedure detailed
     Holidays)                                              on the claim documentation and provided any
     Saturdays 9am–5pm                                      additional information requested in the
Full details can be found in section A of the               claim form.
Policy Document.                                        G   You must provide proof of purchase which
Cancellation                                                must, where applicable, show the serial
                                                            number of the insured device.
You have the right to cancel this policy at any time,
                                                        We may settle a claim for the insured device by
which will have immediate effect. As the cover is
                                                        replacing it, by repairing it, or cash settlement at
provided as a benefit of you being an RBS Royalties
                                                        our discretion. We will advise you of the method of
Private Account account holder, a cooling off period
                                                        settlement at the time your claim is authorised.
does not apply.
                                                        The settlement we offer for the insured device will
If the connected RBS Royalties Private Account
                                                        be based on the current market value of the
account is cancelled this policy ends.
                                                        registered insured device or one of similar
Full details can be found in section J of the           specification and functionality (where the insured
Policy Document.                                        device is no longer available on the general
                                                        market), subject to the policy limit of £1,000
Claims                                                  including VAT.
Should you need to register a claim, you can do this
                                                        Replacement devices and accessories will come
online at ww.rbs.co.uk/royaltiesprivatemembers
                                                        from available stock. If the same model is not
or by telephoning 08458 78 00 00, minicom users
                                                        available, the replacement will be of a similar
call 08456 00 05 12. Please have your policy
                                                        specification and quality, which will be determined
number to hand.
                                                        by us.

12
Full details can be found in sections E, F and G of    Status disclosure
the Policy Document.
                                                       This cover has been brought to you by RBS (FRN
Enquiries                                              121882). The cover has been arranged by Lifestyle
                                                       Services Group Limited (FRN 315245) with a single
Should you have an enquiry or complaint, you can
                                                       provider, London General Insurance Company
contact us on 08458 78 00 00, minicom users
                                                       Limited (FRN 202689). The companies are
call 08456 00 05 12. Any complaints may be
                                                       authorised and regulated by the Financial Services
raised without prejudice to your right to take legal
                                                       Authority (FSA), which can be checked on the FSA
proceedings. If after making a complaint you are
                                                       website www.fsa.gov.uk/register or by phoning
still unhappy and you feel the matter has not
                                                       0845 606 1234.
been resolved to your satisfaction, you may be
entitled to contact the Financial                      If you need to register a complaint, please contact:
Ombudsman Service.
                                                       Customer Relations Department, Lifestyle Services
Under European law, both parties to the contract       Group Limited, PO Box 395, CREWE CW1 6WT.
may choose which law will apply to this contract.
                                                       If Lifestyle Services Group Limited cannot settle
English law will apply unless both parties
                                                       your complaint, you may be entitled to refer it to
agree otherwise, in writing, prior to the start of
                                                       the Financial Ombudsman Service. We are covered
the policy.
                                                       by the Financial Services Compensation Scheme.
Compensation Scheme                                    You may be entitled to compensation from the
                                                       scheme if we cannot meet our obligations.
The parties to this contract are covered by the
Financial Services Compensation Scheme (FSCS).
You may be entitled to compensation from the
scheme if they cannot meet their obligations. Most
insurance contracts are covered for 100% of the
first £2,000 and 90% of the remainder of the claim,
without any upper limit. You can get more
information about the compensation scheme
arrangements by contacting the FSCS on
020 7892 7300 or by visiting their website at
www.fscs.org.uk

Full details can be found in section L of the
Policy Document.




                                                                                                              13
Mobile Phone Insurance

Statement of Demands                                      maximum original retail cost or value of £450
                                                          including VAT per phone. The mobile phone is
and Needs                                                 identified by the IMEI number and mobile
Mobile Phone Insurance meets the demands                  phone number
and needs of Royalties Private account holders        G   The cost of replacing the phone as a direct
who wish to ensure that their mobile phone and/or         result of loss or theft
that of a family member is covered against theft,
                                                      G   The cost of repairing the phone (or replacing it
loss and/or damage. The Royal Bank of Scotland is
                                                          if the phone cannot be repaired) as a direct
not making a personal recommendation based on
                                                          result of accidental damage, water or liquid
your individual requirements that the policy is
                                                          damage or malicious damage
suitable to your needs and we recommend that
                                                      G   The cost of repairing the phone (or replacing it
you read the Policy Summary. You may need to
review your cover periodically to ensure it remains       if the phone cannot be repaired) where
adequate to your needs.                                   damage is a result of electrical or mechanical
                                                          breakdown
Your Policy Summary                                   G   The phone wherever you or your family
                                                          members are in the world, repair or
As a benefit of being an RBS Royalties Private
                                                          replacement will be arranged upon return to
account holder, you can choose to register for
                                                          the UK
Mobile Phone Insurance with Lifestyle Services
                                                      G   The cost of unauthorised calls made up to
Group Limited (we/us/our). This Policy Summary
does not contain the full terms and conditions of         £2,500 including VAT per claim for a monthly
the contract, full terms, conditions and exceptions       contract phone and £100 including VAT per
are detailed within the Policy Document.                  claim for a pay-as-you-go phone. Claims for
                                                          unauthorised calls on pay-as-you-go phones
What is covered (Main benefits):                          will apply to top-ups purchased in the 24 hours
G    Up to four registered mobile phone(s) and SIM        preceding the incident only
     card(s) for each RBS Royalties Private account   G   The replacement of the accessories up to £200
     (which must be owned by the account holder           including VAT per claim, including replacement
     or their family members), and up to a                of accessories incompatible with a phone
                                                          replaced as a result of a valid claim

14
G   A maximum of two successful claims in total         G   Theft of, loss of, or damage to the phone and
    during any 12-month period                              accessories where they have been passed to
G   Phones which have a primary use for the                 someone else other than a family member
    making and receiving of telephone calls, SMS        G   The period of 21 days after you register the
    text messages and data. We do not cover PDAs            details of the phone and/or SIM card, or for the
    (Personal Digital Assistants), type devices.            period of 21 days after you change the phone
    Please see the definition of mobile                     and/or SIM card you have already registered
    phone/phone in section B of the Policy              Full details can be found in sections I, J and K of
    Document. If you are unsure as to whether the       the Policy Document.
    handset can be covered please contact us
Full details can be found in section D of the           Price
Policy Document.                                        This policy is provided as a benefit of you being an
                                                        RBS Royalties Private account holder. The cost is
What is not covered:                                    an inclusive part of your standard monthly fee.
G   The policy excess of £25 for the first claim, and
    £50 for the second claim during any                 To register the mobile phone
    12-month period                                     To take advantage of this mobile phone insurance
G   Theft of the phone and accessories from an          you must register the phone and/or SIM card
    unattended motor vehicle, unless secured in a       details. Please follow the process below. If you do
    glovebox or locked boot                             not register the mobile phone you will not be
                                                        covered. If you wish to change the phone on cover
G   Theft of the phone and accessories from any
                                                        you must telephone us.
    unattended building or premises, unless
    evidenced damage was caused in gaining entry        G   Log on to the website at any time:
    to, or exit from, the premises                          www.rbs.co.uk/royaltiesprivatemembers
G   Theft or loss of the phone and accessories          G   Telephone 08458 78 00 00, minicom users
    where they have been left accidentally or               call 08456 00 05 12
    deliberately in a public place or a place to            Monday to Friday, 8am–8pm (except Bank
    which others have access                                Holidays)
                                                            Saturdays 9am–5pm




                                                                                                               15
You will need to provide the following details:      If the phone is lost stolen or maliciously damaged,
G    Your name and address                           please follow these simple steps:
G    The mobile phone(s) number                      G   Call the airtime-provider to bar the SIM card –
G    The make, model, and IMEI number(s) of the          doing this will prevent any further
     mobile phone(s)                                     unauthorised calls being made.
                                                     G   Inform the Police and ask for an incident
G    Whether the mobile phone(s) is on a monthly
     contract or pay-as-you-go                           reference number.
                                                     G   The airtime-provider and the Police must be
G    Your RBS Royalties Private account number
     and sort code                                       contacted within 24 hours of discovering the
                                                         incident.
G    Your date of birth
                                                     G   Register your claim within 48 hours of
Your cover will commence 21 days after you
                                                         discovering the incident by visiting our website
register. You will not be able to make a claim for
                                                         or by calling us.
any incident which occurs within the first 21 days
after registration.                                  Please refer to section E of the Policy Document.

Cancellation                                         Enquiries/Complaints

You have the right to cancel this policy at any      Should you have an enquiry or complaint, you can
time, which will have immediate effect. As the       contact us on 08458 78 00 00, minicom users call
cover is provided as a benefit of being an RBS       08456 00 05 12.
Royalties Private account holder, a cooling off      Any complaints may be raised without prejudice
period does not apply.                               to your right to take legal proceedings. If after
If the connected RBS Royalties Private account is    making a complaint you are still unhappy and you
cancelled this policy ends.                          feel the matter has not been resolved to your
                                                     satisfaction, you may contact the Financial
Please refer to section L of the Policy Document.    Ombudsman Service.
Claims                                               Please refer to section N of the Policy Document.
You must register a claim within 48 hours of         Under European law, both parties to the contract
discovering any incident for which you wish          may choose which law will apply to this contract.
to claim by visiting our website at                  English law will apply unless both parties agree
www.rbs.co.uk/royaltiesprivatemembers or by          otherwise, in writing, prior to the start of the policy.
telephoning 08458 78 00 00, minicom users call
08456 00 05 12.




16
Compensation scheme
The parties to this contract are covered by the
Financial Services Compensation Scheme (FSCS).
You may be entitled to compensation from the
scheme if they cannot meet their obligations.
Most insurance contracts are covered for 100% of
the first £2,000 and 90% of the remainder of the
claim, without any upper limit. You can get more
information about the compensation scheme
arrangements by contacting the FSCS on
0207 892 7300 or by visiting their website at
www.fscs.org.uk

Please refer to section N of the Policy Document.

Status disclosure
This cover has been arranged for RBS (FRN
121882) by Lifestyle Services Group Limited
(315245), with a single provider, London General
Insurance Company Limited. All companies are
authorised and regulated by the Financial Services
Authority (FSA), which can be checked on the FSA
website www.fsa.gov.uk/register or by
telephoning 0845 606 1234.

If you need to register a complaint, please contact:

Customer Relations Department, Lifestyle Services
Group Limited, PO Box 395, CREWE CW1 6WT.

If Lifestyle Services Group Limited cannot settle
your complaint, you may be entitled to refer it to
the Financial Ombudsman Service. We are covered
by the Financial Services Compensation Scheme.
You may be entitled to compensation from the
scheme if we cannot meet our obligations.




                                                       17
Identity Theft Protection

Statement of Demands                                  regulated by the Financial Services Authority in
                                                      respect of insurance mediation activities only.
and Needs                                             Affinion International Limited’s FSA registered
Identity Theft Protection meets the insurance         number is 311584.
requirements, demands and needs of Royalties
Private members who wish to ensure that their
                                                      1. Eligibility
identity is protected for credit purposes following   Cover is only available to residents of the United
the impacts of identity. The Royal Bank of Scotland   Kingdom including Northern Ireland, Channel
is not making a personal recommendation based         Islands and Isle of Man who are at least 18 years
on your individual circumstances that the policy is   of age.
suitable for your needs and we recommend that
you read the Policy Summary.                          2. What is covered by Identity Theft
                                                      Insurance?
Your Policy Summary                                   Identity Theft Insurance covers various expenses
This is a policy summary only and does not detail     incurred in seeking to defend an individual’s name
the full terms and conditions of the insurance        and reinstate their credit status.
policy. You may need to review this cover
                                                      3. How does Identity Theft Insurance work
periodically to ensure it remains adequate to
                                                      and how long does it last?
your needs.
                                                      Cover commences upon registration and lasts for
This identity theft protection is provided by AIG     as long as you hold an Royalties Private account
(UK) Limited. AIG (UK) Limited is authorised and      or until the benefit is withdrawn by The Royal
regulated by the Financial Services Authority. AIG    Bank of Scotland plc.
(UK) Limited is a member company of American
International Group Inc. (AIG). The product is
administered on behalf of The Royal Bank of
Scotland plc by Affinion International Limited.
Affinion International Limited is authorised and




18
4. Features and Benefits                                Would I receive compensation if AIG (UK)
Up to £10,000 for each Occurrence, including
                                                        Limited was unable to meet its liabilities?
£2,500 in respect of lost wages (£416.57 payable        You may be entitled to compensation from the
over a 6 week period). An Excess of £50 applies to      Financial Services Compensation Scheme if the
each Identity Theft Event. (For full details see        insurers are unable to meet their liabilities under
‘What is covered’, contained within the Policy          this insurance.
Document.)
                                                        How do I make a complaint?
5. Significant Exclusions or Limitations                The policy is administered for AIG (UK) Limited by
Exclusions (see ‘What is not covered’, contained        Affinion International Limited.
within the Policy Document). Cover does not apply to:
                                                        If you have a complaint about the policy please
G   Loss arising out of Business activity of any        contact the Customer Relations Manager at:
    insured person. Lost wages remuneration             AIG (UK) Limited, 2-8 Altyre Road, Croydon CR9 2LG.
    excludes Business interruption or future
    earnings of a Self-Employed Professional/s.         Email: uk.customer.relations@aig.com

G   Expenses occurred due to any fraudulent,            If any complaint is not resolved to your
    dishonest or criminal act by an insured person      satisfaction you may refer any dispute to the:
    or any person acting in concert with an insured     Financial Ombudsman Service, South Quay Plaza,
    person, or by any authorised representative of      183 Marsh Wall, London E14 9SR.
    an insured person whether acting alone or in        Telephone: 0845 080 1800 (national call rates
    collusion with others.                              apply and charges will vary dependent on the
                                                        telephone network service provider or whether you
How do I make a claim under Identity                    are calling from a mobile).
Theft Insurance?
                                                        Financial Services Compensation Scheme
You can register a claim by calling 08458 78 00 00,
Minicom users call 08456 00 05 12.                      You may be entitled to compensation from the
                                                        Financial Services Compensation Scheme (FSCS),
                                                        if we cannot meet our liabilities under this policy.
                                                        The level of compensation provided by FSCS is that
                                                        the first £2,000 of a claim or policy is protected
                                                        in full, above this threshold, 90% of the rest of the
                                                        claim or value of unused premiums will be met
                                                        (maximum 90% of the claim with no upper limit
                                                        after 31/12/09).



                                                                                                                19
Accidental Death Insurance

Statement of Demands and Needs
The Royal Bank of Scotland Accidental Death Insurance meets the demands and needs of Royalties Private
members who wish to ensure that a cash sum of £50,000 (£25,000 if aged 70 and over) is available if they
die because of an accident. The Royal Bank of Scotland is not making a personal recommendation based on
your individual circumstances that the Plan is suitable for your needs and we recommend that you read the
Policy Summary and the Policy carefully.
This is a summary of cover and does not contain all the terms and conditions of your Accidental Death
Insurance Policy. Please refer to the Accidental Death Insurance Policy Document for full details. For your
own benefit and protection you should read the terms carefully. If you do not understand any point please
ask for further information.
 Significant Features and Benefits                       Significant or Unusual Exclusions                   Policy Section
                                                         or Limits                                           that contains
                                                                                                             further details
 Section 1 – whilst an Insured Person is travelling      This policy does not cover:                         See Exclusions in the Policy
                                                         G Intentional self-injury or suicide by the         Document for the full list of
 on any Licensed Public Transport or in a car hired
 for a period not exceeding 30 days.                       Insured Person regardless of the state of their   exclusions.
 Royalties Private               £200,000                  mental health
                                                         G An Insured Person’s own illegal act
 following Accidental death (as defined in the Policy)
                                                         G The Insured Person being under the influence

 Section 2 – 24 hours a day anywhere in the world.         of intoxicating liquor or drugs
 Royalties Private               £50,000                 G Sickness or disease not directly resulting from

 following Accidental death (as defined in the Policy)     Bodily Injury
                                                         G Human Immunodeficiency Virus (HIV) or
 The Benefit under Section 2 is reduced by 50% for
                                                           other forms of the virus, Acquired Immune
 any person aged 70 years or over.                         Deficiency Syndrome (AIDS) and AIDS-
 If an Insured Person holds two or more Accounts           Related Complex (ARC) other than if
 the maximum Benefit payable is limited to 200%            contracted as a result of a blood transfusion
 of the amounts shown above or the collective total        given by a Qualified Medical Practitioner
                                                         G Insured Person engaging in Hazardous
 of the amounts applicable under each Account,
                                                           Pursuits
 whichever is less.
                                                         G War or any act of War, whether declared or not


 In respect of Joint Accounts the Benefit payable for    G Active service in the Armed Forces

                                                         G The Insured Person’s wilful exposure to
 any one Insured Person is reduced proportionately
 by the number of names appearing as Joint                 exceptional danger (unless in an attempt to
 Account holders.                                          save human life)

20
Duration of Policy                                    How to Claim
Cover begins as soon as the Insured Person’s          Should you wish to make a claim under this policy
application for the Royalties Private Account has     you should contact ACE European Group Limited,
been accepted by the Royal Bank of Scotland.          A&H Claims Department, 200 Broomielaw,
Cover continues automatically as long as:             Glasgow G1 4RU, Telephone: 0845 841 0059
                                                      (UK only), International: +44 (0) 141 285 2999,
i) the Account holder maintains their Royalties       email: claims@acegroup.com quoting policy
   Private Account; and                               details, within 60 days or as soon as possible after
ii) the insurance continues to be placed with ACE     the date of the occurrence.
    by the Royal Bank of Scotland.
                                                      Complaints Procedure
As this insurance may continue for more than          We are dedicated to providing a high quality
a year the Account holder should review it            service and want to maintain this at all times.
periodically to ensure that cover remains adequate.   If you are not satisfied with our service please
Right of Cancellation                                 contact us, quoting your Policy details, so we can
                                                      deal with your complaint as soon as possible. Our
If, for any reason, the Qualifying Account holder     contact details are:
wishes to cancel this Policy at any time they may
contact ACE and cover for such Insured Person         The Customer Services Manager, ACE European
shall cease from the day ACE receives such notice.    Group Limited, 200 Broomielaw, Glasgow G1 4RU

ACE may cancel the insurance in respect of any        Telephone:             0845 841 0056
individual Insured Person by sending 30 days          Fax:                   01293 597376
notice to their last known address.
                                                      E-mail: a&hcustserv.complaints@acegroup.com

                                                      You may approach the Financial Ombudsman
                                                      Service (FOS) for assistance if you are not satisfied
                                                      with our final response. Contact details are given
                                                      below. A leaflet explaining its procedure is available
                                                      on request.

                                                      The Financial Ombudsman Service, South Quay
                                                      Plaza, 183 Marsh Wall, London E14 9SR.




                                                                                                               21
     Financial Services Compensation Scheme
     In the unlikely event that ACE are unable to meet
     its liabilities, you may be entitled to compensation
     under the Financial Services Compensation Scheme.

     It’s contact details are:

     Financial Services Compensation Scheme,
     7th Floor Lloyds Chambers, Portsoken Street,
     London E1 8BN.




22
Payment Card Protection Insurance

Statement of Demands                                  Payment Card Protection is underwritten by
                                                      Allianz Insurance plc. Registered No. 84638.
and Needs                                             Registered Office: 57 Ladymead, Guildford, Surrey
Card Protection meets the demands and needs           GU1 1DB, UK.
of those who wish to ensure that their cards
                                                      Branch address: Allianz Schemes, PO Box 589 G W,
are protected and do not already have cover.
                                                      2 Great West House, Great West Road, Brentford
The Royal Bank of Scotland is not making a
                                                      TW8 1AH, UK. Allianz Insurance plc is authorised
personal recommendation based on your individual
                                                      and regulated by the Financial Services Authority
circumstances that the Plan is suitable for your
                                                      (FSA). Their authorisation can be confirmed by the
needs and we recommend that you read the
                                                      FSA by calling 0845 606 1234 or at www.fsa.gov.uk
Policy Summary carefully.
                                                      Their FSA Registration No. is 121849.

Your Policy Summary                                   What is covered by Payment Card Protection?
Please read this section carefully. Full Terms and    Payment Card Protection provides:
Conditions can be found within the Policy Document.
                                                      G   Cover against unauthorised and fraudulent use
This document does not form part of the contract
                                                          of registered cards.
between us.
                                                      How does Payment Card Protection work?
Features of your Payment Card
Protection Cover                                      Payment Card Protection covers credit, debit and
                                                      cheque guarantee cards, including Post Office card
This is a policy summary only and does not detail
                                                      accounts, charge cards, storecards and other similar
the full Terms and Conditions of the insurance
                                                      payment cards, registered with the administrator.
policy. Full details of the insurance policy Terms
and Conditions can be found in the Policy             Payment Card Protection is provided through
Document. The policy summary only provides            membership of the Royalties Private account.
details of the parts of Payment Card Protection       If you close your account cover automatically
which are insured.                                    terminates otherwise it continues automatically




                                                                                                             23
until the insurance is cancelled by you or is         Payment Card Protection Insurance
cancelled under the terms of the policy or is no
                                                      What are the benefits provided by and
longer offered by The Royal Bank of Scotland.         significant exclusions and limitations of
You may need to review this cover periodically to     Payment Card Protection?
ensure it remains adequate to your needs. You
have the right to cancel this policy at any time.      Significant              What are the
As this policy cannot be cancelled in isolation you    Exclusions or            benefits provided
                                                       Limitations (cross       by and Significant
will also have to cancel your Royalties Private
                                                       references to the        Exclusions and
account. This cancellation period exceeds the          relevant sections        Limitations of
14-day post-sale period required by the Financial      of the policy are        Payment Card
Services Authority’s rules.                            included)                Protection?
                                                       Unauthorised and         The most we will pay
                                                       fraudulent use of        for any one claim is:
                                                       registered cards for     • £6,000 for losses
                                                       which the cardholder       which occur before
                                                       is legally responsible     the incident is
                                                                                  reported to the
                                                                                  administrator
                                                                                • £1,000,000 per
                                                                                  policy in total
                                                                                  for all incidents
                                                                                  during any
                                                                                  12-month period.
                                                                                (See ‘The Limits’ in
                                                                                the ‘Insurance Cover
                                                                                provided by Allianz
                                                                                Insurance plc’ section a)
                                                                                Cover does not apply:
                                                                                • To losses incurred if
                                                                                  the incident is not
                                                                                  reported within 24
                                                                                  hours of discovery.
                                                                                • Use of the registered
                                                                                  card in a way not
                                                                                  authorised by the
                                                                                  card issuer.




24
                            How do I make a claim under Payment
• To losses incurred        Card Protection?
   after the incident
   has been reported.       You can notify a claim by calling Royalties
• Loss due to               Membership Services on 08458 78 00 00, Minicom
   fraudulent use           users call 08456 00 05 12, 24 hours a day and
   occurring as a result    7 days a week, providing your name, address and
   of the cardholder,       membership number.
   keeping the PIN with
   the card revealing it    Would I receive compensation if Allianz
   to anyone.               was unable to meet its liabilities?
(see ‘What is not
                            You may be entitled to compensation from the
covered’ in the
‘Insurance Cover            Financial Services Compensation Scheme if the
provided by Allianz         insurers are unable to meet their liabilities under
Insurance plc’ section a)   this insurance.




                                                                                  25
How to make a complaint                               Financial Services Compensation Scheme
Sales                                                 You may be entitled to compensation from the
                                                      Financial Services Compensation Scheme (FSCS),
If you have a complaint about the service
                                                      if we cannot meet our liabilities under this policy.
elements of Card Protection call Royalties
Membership Services on 08458 78 00 00, Minicom        The level of compensation provided by FSCS is that
users call 08456 00 05 12 or write to:                the first £2,000 of a claim or policy is protected
                                                      in full, above this threshold, 90% of the rest of the
The Customer Relations Manager, Royalties
                                                      claim or value of unused premiums will be met
Membership Services, Sentinel House, Airspeed
                                                      (maximum 90% of the claim with no upper limit
Road, Portsmouth, Hampshire PO3 5RF quoting
                                                      after 31/12/09).
your membership number.

Non-Sales
If you have a complaint about anything other than
the sale of the policy please contact our Customer
Satisfaction Manager at:

Allianz Schemes, PO Box 589 G W, 2 Great West
House, Great West Road, Brentford TW8 1AH,
United Kingdom.

Alternatively telephone: 01483 260758.

Using our complaint procedure or referral to the
Financial Ombudsman Service does not affect
your legal rights.

If we are unable to resolve the problem we will
provide you with information about the Financial
Ombudsman Service.

Full details of our complaints procedure may be
found in the insurance policy Terms and Conditions.




26
Extended Warranty

Statement of Demands                                 Extended Warranty is underwritten by Allianz
                                                     Insurance plc. Registered No. 84638. Registered
and Needs                                            Office: 57 Ladymead, Guildford, Surrey GU1 1DB,
This product meets the insurance requirements of     UK. Branch address: Allianz Schemes, PO Box 589
those who wish to ensure that their qualifying       G W, 2 Great West House, Great West Road,
purchases are covered against breakdown for          Brentford TW8 1AH, UK.
2 years after the expiry of the manufacturer’s
                                                     Allianz Insurance plc is authorised and regulated
original warranty. The Royal Bank of Scotland is
                                                     by the Financial Services Authority (FSA). Their
not making a personal recommendation based on
                                                     authorisation can be confirmed by the FSA by
your individual circumstances that the Plan is
                                                     calling 0845 606 1234 or at www.fsa.gov.uk
suitable for your needs and we recommend that
you read the Policy Summary carefully.               Their FSA Registration No. is 121849.

Your Policy Summary                                  What is covered by Extended Warranty?
                                                     G   Extended Warranty provides breakdown cover
Please read this section carefully. Full Terms
                                                         for two years after the expiry of the
and Conditions can be found within the Policy
                                                         manufacturer’s original warranty subject to
Document.
                                                         a maximum of three years warranty in total.
Features of your Royalties Private Extended          Cover is only provided for claims or portions of
Warranty Cover                                       claims which are not covered by other applicable
This is a policy summary only and does not detail    guarantees, warranties, insurance or indemnity
the full Terms and Conditions of the insurance       policies, subject to the stated limits of liability.
policy. Full details of the insurance policy Terms   An indemnity is an agreement by the indemnifying
and Conditions can be found in the Policy            party to put the other party back in the position
Document. The policy summary only provides           which they were in before the claim was made.
details of the parts of Extended Warranty which      Forms of indemnity include compensation, repairs,
are insured.                                         replacement and reinstatement.




                                                                                                         27
How does Extended Warranty work?                       The most we will pay is:
G    Extended Warranty covers purchases where          G   Repair costs up to the price paid for the
     the payment is made in full exclusively using         product to a maximum of £1,000 per item.
     your Royal Bank of Scotland debit, cheque         G   Up to £10,000 per policyholder in any
     guarantee or credit card.                             12 month period.
G    Extended Warranty cover remains in force until    You must pay the first £25 of any claim.
     either you close your Royal Bank of Scotland
                                                       If your product is replaced it will be replaced with
     account or it is no longer offered by The Royal
                                                       an identical product. If an identical product is no
     Bank of Scotland. You have the right to cancel
                                                       longer available the replacement will be of
     this insurance at any time. As this policy
                                                       equivalent specification and quality.
     cannot be cancelled in isolation you will also
     have to cancel your Royalties Private Account.    See Details of Extended Warranty Cover Section B
     This cancellation period exceeds the 14-day       Cover will not be provided for:
     post-sale period required by the Financial        G   Items not purchased using the qualifying
     Services Authority’s rules.                           account
G    If Extended Warranty cover is cancelled,          G   Non-electrical items, mobile telephones or any
     qualifying purchases made while the cover             type of portable hand held communication
     was in force will be covered.                         device
G    You may need to review this cover periodically    G   Items purchased from stores or internet sites,
     to ensure it remains adequate to your needs.          which are not based within the UK
What are the benefits provided by and                  G   Second hand products
significant exclusions and limitations of              G   Consumable or disposable items or accessories
Extended Warranty?
                                                       G   Items for commercial or business use
Features and Benefits                                  G   Call out charges where a fault cannot be found
Repair costs if a qualifying purchase breaks down          with the product
after the manufacturer’s original warranty has         G   Any loss as a result of not being able to use the
expired. If your product cannot be repaired or is          product, or any loss other than the repair or
uneconomical to repair it will be replaced.                replacement cost of the product
Significant Exclusions or Limitations                  G   Damage caused by accidents, misuse, neglect
(cross references to the relevant sections of the          or wear and tear.
policy are included)




28
See Details of Extended Warranty Cover Sections       Allianz Schemes, PO Box 589 G W, 2 Great West House,
D and E                                               Great West Road, Brentford TW8 1AH,
                                                      United Kingdom (ACS1523).
How do I make a claim under Extended
Warranty?                                             Alternatively, telephone: 01483 260758.
You can notify a claim by calling Royalties           Using our complaint procedure or referral to the
Membership Services on 08458 78 00 00,                Financial Ombudsman Service does not affect
Minicom users call 08456 00 05 12, between            your legal rights.
8am–8pm Monday to Friday or 9am–5pm
Saturday (excluding Bank Holidays).                   If we are unable to resolve the problem we will
                                                      provide you with information about the Financial
Would I receive compensation if                       Ombudsman Service.
Allianz Insurance plc was unable to
meet its liabilities?                                 Full details of our complaints procedure may be
                                                      found in the insurance policy Terms and Conditions.
You may be entitled to compensation from the
Financial Services Compensation Scheme if the         Law and Language
insurers are unable to meet their liabilities under   Unless agreed otherwise the language of the policy
this insurance.                                       and all communications relating to it will be in
How to make a complaint                               English and all aspects of the policy, including
                                                      negotiation and performance are subject to the law
Sales                                                 which applies to the part of the United Kingdom
If you have a complaint about the service             in which you live.
elements of Extended Warranty call Royalties
                                                      Financial Services Compensation Scheme
Membership Services on 08458 78 00 00,
Minicom users call 08456 00 05 12 or write to:        You may be entitled to compensation from the
                                                      Financial Services Compensation Scheme (FSCS),
The Customer Relations Manager, Royalties             if we cannot meet our liabilities under this policy.
Membership Services, Sentinel House, Airspeed
Road, Portsmouth, Hampshire PO3 5RF quoting           The level of compensation provided by FSCS is that
your policy number.                                   the first £2,000 of a claim or policy is protected in
                                                      full, above this threshold, 90% of the rest of the
Non-Sales                                             claim or value of unused premiums will be met
If you have a complaint about anything other than     (maximum 90% of the claim with no upper limit
the sale of the policy please contact our Customer    after 31/12/09).
Satisfaction Manager at:




                                                                                                              29
Home Emergency Service

Statement of Demands                                   Features of your Royalties Private Home
                                                       Emergency Service
and Needs
                                                       This membership is a benefit provided automatically
We have not provided you with a personal
                                                       with your Royalties Private account and is underwritten
recommendation as to whether this policy is
                                                       by UK Insurance Limited, Registered No. 1179980,
suitable for your specific needs and it's your
                                                       registered address The Wharf, Neville Street, Leeds
responsibility to make sure that the policy is right
                                                       LS14AZ, authorised and regulated by the Financial
for you. This product meets the demands and needs
                                                       Services Authority.
of those who wish to ensure that they are covered
in the event of experiencing a home emergency.

Your Policy Summary
Please read this section carefully. Full Terms
and Conditions can be found within your
Service Guide.

This service provides cover for incidents in your
home which, if not dealt with quickly will:
•    Make your home unsafe or insecure.
•    Cause damage to your home and its contents.
•    Leave your home with a total loss of heating,
     lighting or water.




30
                                                   Your membership will run whilst you hold a
What is covered          What is not covered
                                                   Royalties Private account. As this policy could run
(Sections 1)             (Section 2)
                                                   for several years, you may want to review your
Call out fees, parts,    • Any electrical wiring   insurance needs periodically to ensure the policy
labour and materials       which is not
                                                   is adequate. Please refer to your Royalties Private
up to £500 (inc. VAT)      permanent and/or is
per call-out for           situated outside the    Service Guide for full Terms and Conditions.
emergencies in             home.
                                                   The following information applies to Royalties
respect of:              • Any leaking or          Private Home Emergency Service.
• The permanent            dripping tap that
  electrical supply        requires re-washering   Significant Exclusions and Limitations
  system in the            or replacing,
                                                   Please refer to the Terms and Conditions for details
  home.                    external overflows
                           or replacement of       of all Exclusions.
• Internal and
  external plumbing        cylinders, tanks,
                                                   The following are excluded:
  of the home that         radiators and
  you are responsible      sanitary ware.          •   Loss or damage arising from circumstances
  for.                   • Breakdown or                occurring within 14 days of accepting your
• The external locks,      damage to domestic          Royalties Private account.
  doors and windows        appliances and
  of the home.             other mechanical        •   Claims arising after the home has been left
                           equipment.                  unoccupied for more than 30 consecutive days.
• The main source
  of heating in the      • Internal locks,         •   Cost of repairing faults or damage caused by
  home.                    doors, glass or the         fire, lightning, explosion, earthquake, flood,
                           locks, doors and
• Vermin such as rats,     windows to
                                                       storm, subsidence, heave or landslip, malicious
  mice or wasps nests.                                 damage, theft or attempted theft (except when
                           detached garages
• The arrangement          and outbuildings.           in relation to security), structural repairs,
  and costs of
                         • Boilers over 10             alteration or demolition, faulty workmanship,
  overnight
  accommodation if         years old and/or            or the use of defective materials.
  the property             with an output
                           exceeding 60kW.
                                                   •   Cost of replacement parts due to natural wear
  becomes                                              and tear or gradual deterioration.
  uninhabitable, up to   • Boilers/heating
  £100, including VAT.     systems not serviced    •   Loss or damage due to the interruption or
                           within the preceding        disconnection of the gas, water or electricity
                           12 months of                services to your home.
                           membership
                         • Vermin outside
                           main dwelling,
                           e.g. in garages and
                           sheds


                                                                                                          31
Your right to cancel                                   Details about Our Regulator
You have the right to cancel this insurance at any     UK Insurance Limited is authorised and regulated
time, with immediate effect. As the cover is           by the Financial Services Authority (FSA). UK
provided as a benefit of being a Royalties Private     Insurance Limited's FSA registration number is
holder, a cooling off period does not apply and no     202810. The Financial Services Authority website,
refund is due. The home emergency section of           which includes a register of all regulated firms
your benefits package cannot be cancelled in           can be visited at www.fsa.gov.uk, or the
isolation, you will also have to cancel your           Financial Services Authority can be contacted on
Royalties Private account. If the Royalties Private    0300 500 5000.
account is cancelled, this policy ends.
                                                       Under the Financial Services and Markets Act 2000,
How to make a claim                                    should the company be unable to meet all its
                                                       liabilities to policyholders, compensation may
To notify us of a claim in the first instance please
                                                       be available. Insurance advising and arranging
telephone 08458 78 00 00, minicom users call
                                                       is covered for 100% of the first £2,000 of a claim
08456 00 05 12.
                                                       and 90% of the remainder of the claim or policy
How to complain                                        without upper limit (90% of the claim with no
                                                       upper limit after 31/12/09). For compulsory
If you wish to make a complaint, please write to
                                                       classes of insurance, insurance advising and
us at the address below:
                                                       arranging is covered for 100% of the claim,
•    Customer Relations Manager, PO Box 300,           without any upper limit. Further information
     Leeds LS99 2LZ.                                   can be obtained on request, or by visiting the
                                                       Financial Services Compensation Scheme website
If we cannot resolve the differences between us,
                                                       at www.fscs.org.uk
you may refer your complaint to the Financial
Ombudsman Service (FOS). Their address is:
South Quay Plaza, 183 Marsh Wall, London E14 9SR,
telephone 0845 080 1800.




32
Travel Insurance

Statement of Demands                                 that you remain a Royal Bank of Scotland
                                                     Royalties Private account holder. UK Insurance
and Needs                                            Limited, Registered No. 1179980, registered
We have not provided you with a personal             address The Wharf, Neville Street, Leeds LS1 4AZ,
recommendation as to whether the policy is           authorised and regulated by the Financial
suitable for your specific needs and it's your       Services Authority.
responsibility to make sure that the policy is
                                                     If you are 70 years or over please contact
right for you. This product meets the demands
                                                     Royalties Private Insurance Services on
and needs of Royal Bank of Scotland Royalties
                                                     08458 78 00 00, minicom users call
Private customers who wish to ensure that travel
                                                     08456 00 05 12 to confirm eligibility of cover.
insurance cover exists when on holiday.
                                                     The maximum trip length is 31 days, if you wish to
Your Policy Summary                                  extend this, you must contact us. The maximum
Please read this section carefully. Full Terms and   number of days in any one calendar year for winter
Conditions can be found within the Policy            sports is 21 days.
Document.                                            General Conditions and Exclusions
This document does not form part of the contract     Medical Statements
between us.
                                                     It is important that you read this entire section
You may need to review this cover periodically to    to ensure that you understand what level of cover
ensure it remains adequate for your needs.           applies to you.
Features of a Royal Bank of Scotland                 We must be informed of any fact that is likely
Royalties Private Travel Insurance Policy            to influence cover under any part of this policy.
This policy is underwritten by UK Insurance          Failure to do so may leave you with no right to
Limited and cover is granted on the understanding    make a claim.




                                                                                                          33
We do not automatically cover all claims directly       •   It is a condition of this insurance that all
related to a pre-existing medical condition if at the       material facts have been disclosed to us, failure
time of booking your trip, opening your account             to do so may invalidate this insurance leaving
or adding an upgrade (whichever is later). You:             you with no right to make a claim.

•    Are receiving in-patient treatment or are          Exclusions
     waiting to receive treatment.                      YOU ARE NOT COVERED FOR ANYTHING CAUSED
•    Have been prescribed medication in the last        DIRECTLY OR INDIRECTLY BY:
     12 months, whether taking it or not.
                                                        •   Suicide, deliberately injuring yourself, being
•    Have been diagnosed with a heart or cancer             under the influence of drink or drugs (unless
     related condition in the past 12 months.               prescribed by a doctor), alcoholism, drug
•    Are travelling to obtain medical treatment.            addiction, solvent abuse, wilful exposure to
•    Are travelling against medical advice.                 exceptional risk (unless you are trying to save
•    Have been given a terminal prognosis.                  someone’s life).
•    Are aware of a reason why you may not be able      •   An anticipated event.
     to go on the trip or continue with it.             •   Failure of any tour operator, your agents or
If any of the statements apply to you, please call          transportation company.
us on 08458 78 00 00, minicom 08456 00 05 12,           •   Any payment, which you would have normally
as we may now be able to cover your medical                 made during your travels, if nothing had
conditions. If cover is provided, it will stand for         gone wrong.
12 calendar months. After this time if any of the
                                                        Section 1 – Cancellation
statements apply, you will need to be screened again.
                                                        Exclusions
Please note that in certain cases cover will be         YOU ARE NOT COVERED FOR:
subject to payment of an additional premium.
                                                        •   Claims where a medical certificate has not
Significant exclusions and limitations                      been obtained from a medical practitioner,
                                                            confirming that cancellation of the trip is
The following conditions and exclusions apply to            medically necessary.
all sections of the policy wording.                     Anything caused directly or indirectly by:
Conditions                                              •   Any increased charges which may arise due
                                                            to failure to notify your travel agent or tour
•    If we require any medical certificates,
                                                            operator immediately it is found necessary
     information evidence and receipts, these must
                                                            to cancel.
     be obtained by you at your expense.
                                                        Sum Insured: £10,000
•    You must take all reasonable steps to recover
                                                        Excess: £35
     any lost or stolen articles.


34
Section 2 – Curtailment                                Section 4 – Personal Accident
Conditions                                             Inner Limits
It is a requirement of this insurance that you         •   Death £15,000.
contact Royalties Membership Services immediately      •   Loss of limb, Sight and permanent total
if you wish to return home for any reason listed           disablement £15,000.
under this section or by any method other than         •   If you are aged under 16 or over 70 at the time
what was originally planned. Failure to do so will         of the accident death benefit will be limited to
affect your claim.                                         funeral and other expenses up to £2,500 and
                                                           the permanent total disablement benefit will
Exclusions
                                                           not apply.
YOU ARE NOT COVERED FOR:
•   Claims that are not confirmed as medically         Exclusions
    necessary by Inter Group, and where a medical      Any claims for death, loss or disablement caused
    certificate has not been obtained from the         directly or indirectly by:
    attending medical practitioner abroad
    confirming it necessary to curtail the trip.       •   A disease or any physical defect or illness
                                                           unless declared and accepted by us.
•   Additional travelling expenses incurred which
    are not authorised either by us or Inter Group.    •   An anticipated event.

Sum Insured: £10,000                                   •   An injury which existed prior to
                                                           commencement of the trip.
Excess: £35
                                                       Sum Insured: £15,000
Section 3 – Missed Departure                           Excess: Nil
Exclusions
                                                       Section 5 – Medical Emergency Expenses
YOU ARE NOT COVERED:
                                                       Inner Limits
•   If sufficient time has not been allowed for your
    journey in order to meet the check-in time         •   Emergency Dental treatment up to £5,000,000
                                                           incurred outside the United Kingdom or
    specified by the transport providers or agent.
                                                           Channel Islands
•   If you are not proceeding directly to the
    departure point.                                   •   Local funeral expenses abroad £2,500.

Sum Insured: £1,000                                    Exclusions
Excess: Nil                                            YOU ARE NOT COVERED FOR ANY EXPENSES
                                                       INCURRED FOR ILLNESS, INJURY OR TREATMENT
                                                       REQUIRED IN CONSEQUENCE OF:




                                                                                                              35
•    Surgery or medical treatment which in the           Section 7 – Personal Property
     opinion of the attending doctor and the Inter       Inner Limits
     Group doctor can be reasonably delayed until        Personal Baggage £2,500
     your return to the UK or Channel Islands.           •   Valuables £500.
•    Medication and/or treatment which at the time       •   Single article or pair or set of articles
     of departure is known to be required or to be           limit £400.
     continued outside the UK or Channel Islands.        •   Golf equipment £250.
You are not covered:                                     •   Delayed baggage £250.
                                                         •   Personal Money £500 (Children under 16 £100).
•    For preventative treatment which can be
                                                         •   Cash £500.
     delayed until your return to the UK or
     Channel Islands.                                    Exclusions
•    For claims that are not confirmed as medically      YOU ARE NOT COVERED:
     necessary by the attending doctor or Inter Group.   •   If you do not exercise reasonable care for the
Sum Insured: £10,000,000                                     safety and supervision of your property.
Excess: £35                                              •   If you do not obtain a written police report
                                                             within 24 hours of the discovery in the event of
Section 6 – Medical Inconvenience Benefit
                                                             loss, burglary or theft of personal baggage,
Inner Limits
                                                             valuables or money.
•    £20 for each complete 24 hours.
                                                         For loss, destruction, damage or theft:
Exclusions                                               •   Of contact lenses, dentures, hearing aids,
YOU ARE NOT COVERED FOR:                                     samples or merchandise, bonds, coupons,
                                                             securities, stamps or documents of any kind,
•    Any claims where documentary evidence
     showing the date and time of admittance and             vehicles or vehicle accessories (other than
     discharge cannot be produced                            wheelchairs and pushchairs only), tents,
                                                             antiques, musical instruments, pictures,
Sum Insured: £300
                                                             typewriters, portable telephones, computers
Excess: Nil
                                                             and/or accessories, televisions, sports gear
                                                             whilst in use (other than ski equipment for
                                                             winter sports), pedal cycles, dinghies, boats
                                                             and/or ancillary equipment, glass or china,
                                                             valuables left as ‘checked-in’ luggage.
                                                         For personal baggage stolen from an unattended
                                                         vehicle:




36
•   Unless it was locked in the locked glove          •   The carrying out of any trade or profession.
    compartment or rear boot or luggage area of       •   Racing of any kind.
    the vehicle and is covered so as not to be        •   Any deliberate act.
    visible from outside the vehicle, and there is    Sum Insured: £2 million
    evidence of forcible and violent entry or
                                                      Excess: Nil
•   (Other than motor caravans) left for any period
    between the hours of 9pm and 9am.                 Section 10 – Travel Delay
Sum Insured: £2,500                                   Inner Limits
Excess: £35                                           •   Delay £100 (£20 for each full 12 hours).

Section 8 – Loss of Passport/Driving Licence
                                                      •   Abandonment £10,000 (after the first 12 hours
                                                          delay).
Exclusions                                            Exclusions
YOU ARE NOT COVERED:
                                                      YOU ARE NOT COVERED:
•   If you do not exercise reasonable care for the
                                                      •   If you do not check-in for the flights, sea
    safety or supervision of your passport/
                                                          crossing, coach or train departure before the
    driving licence.
                                                          intended departure time.
•   If you do not obtain a written police report
                                                      •   If you do not obtain written confirmation from
    within 24 hours of the loss.
                                                          the airline, shipping, coach or train company
Sum Insured: £750                                         stating the period and the reason for delay.
Excess: Nil                                           Sum Insured: £10,000
Section 9 – Personal Public Liability                 Excess: £35 (abandonment)
Exclusions                                            Section 11 – Legal Costs
YOU ARE NOT COVERED FOR ANYTHING CAUSED               Exclusions
DIRECTLY OR INDIRECTLY BY INJURY, LOSS OR
                                                      YOU ARE NOT COVERED:
DAMAGE ARISING FROM:
                                                      •   For any costs incurred in the pursuit of a claim
•   Ownership or use of aircraft, horse-drawn or
                                                          against us, the insurer or The Royal Bank of
    mechanical/motorised vehicles, bicycles,
                                                          Scotland.
    vessels (other than rowing boats, punts or
    canoes), animals (other than domestic horses,
                                                      •   Any claims reported to Inter Group more than
                                                          90 days after the commencement of the
    cats and dogs) or firearms (other than guns
                                                          incident giving rise to a claim.
    being used for sport).
                                                      Sum Insured: £50,000
•   The occupation (except temporarily for the
                                                      Excess: Nil
    purpose of the trip) or ownership of any
    land or buildings.



                                                                                                             37
Section 12 – Winter Sports                             How to complain
Inner Limits                                           Should there ever be an occasion where you need
Ski Equipment up to £400                               to complain, please call us on 08458 78 00 00,
•    Ski Hire up to £200 (£15 per day)                 minicom users call 08456 00 05 12. If your
•    Delayed Ski Departure up to £100                  complaint relates to a claim, contact your claims
Ski Pack £150 per week, £300 maximum                   handler whose details will be shown in your
Piste Closure up to £300                               claims documentation.
•    £10 per day to travel to another resort or,       If you wish to write, then address your letter to
                                                       Royalties Claim Services, Waverley House,
•    £30 per day where no alternative resort is
     available.                                        Farnham Business Park, Weydon Lane, Farnham,
Avalanche Closure up to £200                           Surrey GU9 8QT.
Please read your policy wording for conditions and     If we cannot resolve the differences between us,
exclusions applicable to winter sports sections.       you may refer your complaint to the Financial
                                                       Ombudsman Service (FOS).
Sum Insured: £400
                                                       Their address is: South Quay Plaza, 183 Marsh
Excess: £35 (Ski equipment)
                                                       Wall, London E14 9SR, telephone 0845 080 1800.
Your right to cancel
                                                       Details about our Regulator
You have the right to cancel this insurance at
                                                       UK Insurance Limited is authorised and regulated
any time, with immediate effect. As the cover is
                                                       by the Financial Services Authority (FSA). UK
provided as a benefit of being a Royalties Private
                                                       Insurance Limited's FSA registration number is
holder, a cooling off period does not apply and no
                                                       202810. The Financial Services Authority website
refund is due. The travel insurance section of your
                                                       which includes a register of all regulated firms can
benefits package cannot be cancelled in isolation,
                                                       be visited at www.fsa.gov.uk or the Financial
you will also have to cancel your Royalties Private
                                                       Services Authority can be contacted on
account. If the Royalties Private account is
                                                       0300 500 5000.
cancelled, this policy ends.
                                                       Under the Financial Services and Markets Act
How to make a claim
                                                       2000, should the company be unable to meet their
To notify us of a claim in the first instance please   liabilities to policyholders, compensation may be
telephone 08458 78 00 00, minicom users call           available. Insurance advising and arranging is
08456 00 05 12. To help us validate your policy        covered for 100% of the first £2,000 and 90% of
please have your Royalties Private membership          the remainder of the claim, without any upper
number available when you call.                        limit (90% of the claim with no upper limit after
                                                       31/12/09). Information can be obtained on request
                                                       or by visiting the Financial Services Compensation
                                                       scheme website at www.fscs.org.uk.
38
General
This policy shall be governed and construed in
accordance with the Law of England and Wales and
the English Courts alone shall have jurisdiction in
any dispute.
The Royal Bank of Scotland plc
Registered Office: 36 St Andrew Square, Edinburgh EH2 2YB.
Registered in Scotland No. 90312

The Royal Bank of Scotland plc is authorised and regulated by the FSA.

Website www.rbs.co.uk

                                                                         RBS RPS Aug 09
                                                                         823063

				
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