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					THOMAS COOK CREDIT CARD PAYMENT AND
PURCHASE PROTECTION – GUIDE TO INSURANCE

About our Insurance Services                                                                             • What is not covered?                             60% VERSION TO BE USED
In the following section ‘we/us’ refers to Thomas Cook Personal Finance Limited who issue
the Thomas Cook Credit Card.
                                                                                                                                                              ON WHITE B/GROUNDS
                                                                                                                                  Significant exclusions & limitations (please refer to Section 2 of
                                                                                                                                  the Policy Document)
Name and address of the insurance intermediary
Thomas Cook Personal Finance Limited, 1 Churchill Place, London E14 5HP.                                 Life cover               • Suicide within 12 months of cover being taken out.
Statutory Status                                                                                         Accident                 • Pre-existing medical conditions (i.e. any condition, injury, illness,
Thomas Cook Personal Finance Limited is authorised and regulated by the Financial                        or Sickness or             disease or sickness for which you had symptoms, consulted a doctor
Services Authority (FSA) under authorised number 458378. Barclays Bank PLC owns                          Hospitalisation            or received treatment or received medication during the 12 months
50% of our share capital.                                                                                                           prior to the start date), unless you are symptom free for 2 years at
                                                                                                                                    the time of claim.
FSA register
You can check that we are registered by the FSA by visiting their website:                                                        • Illnesses or injuries of a voluntary nature such as: deliberate self-
http://www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234.                                                           inflicted injuries, those arising from alcohol consumption or using
                                                                                                                                    drugs, elective cosmetic treatment.
Whose products do we offer?
We can only offer Payment Protection Insurance products and Purchase Protection products                 Involuntary              • Where you are not in continuous employment for 6 months at
from Barclays Insurance (Dublin) Limited and Barclays Assurance (Dublin) Limited.                        Unemployment               the date of unemployment or where employment is seasonal.
Advice or information                                                                                                             • Normal expiry of fixed term contracts unless they are for a period
If you have not discussed your cover with a Thomas Cook Personal Finance Limited representative,                                    of 24 months with the same employer (except where there was
for example, if you have applied for the Thomas Cook Credit Card Payment and Purchase                                               an understanding at the start of the contract that it would not be
Protection insurance via an internet or paper application, no recommendation has been made                                          renewed), or 12 months and renewed at least once.
and you need to ensure the cover meets your needs. This product is designed to meet the                                           • Unemployment known about or of a voluntary nature such as
demands and needs of those who wish to ensure that their payment and purchase protection                                            voluntary resignation, retirement or misconduct.
insurance needs are met.
                                                                                                         Purchase                 • Where loss or damage occurs outside the UK;
Complaints                                                                                               Protection
If you wish to register a complaint regarding the sales process, please write to:                                                 • Where you or any person living in your household does not take
Thomas Cook Customer Services, PO Box 6238, Basildon SS14 9WY.                                                                      reasonable care of the insured property; or
If you cannot settle your complaint with us, you may be entitled to refer it to the Financial                                     • Where theft, malicious damage or anything similar causes the
Ombudsman Service, Customer Contact Division, South Quay Plaza, 183 Marsh Wall,                                                     loss or damage unless it is reported to the police within 24 hours
London E14 9SR. Telephone: 0845 080 1800.                                                                                           of you discovering the loss or damage.
Any complaints may be raised without prejudice to your right to take legal proceedings.                  General                  • War, riot, civil commotion or any similar event

                                                                                                         You are generally not covered for anything you already know about or that is caused by deliberate
                                                                                                         or illegal acts on your part. Full details of these and all other exclusions can be found in Section 2
                                                                                                         of the Policy Document for each of the individual covers.
  POLICY SUMMARY                                                                                         • What is the Duration of this Insurance?
  Introduction                                                                                           Unless this insurance or related credit card agreement is cancelled by you, cover lasts until you
  This Policy Summary is designed to provide you with the key facts about your Thomas                    reach age 70 as long as you continue paying premiums and those premiums are accepted by us,
  Cook Credit Card Payment and Purchase Protection Insurance. It does not contain the                    or until we pay Life Benefit. Where applicable you may need to review and update your cover
  full terms and conditions of the policy, which can be found in the Policy Document.                    periodically to ensure it remains adequate.
  The combined insurer is:
                                                                                                         We may terminate your policy or change your policy terms and conditions by giving you 30 days’
  • Barclays Insurance (Dublin) Limited
  • Barclays Assurance (Dublin) Limited                                                                  notice in writing.
  In this section we/us refers to the combined insurer.                                                  • How much does this insurance cost?
                                                                                                         The cost of your insurance will be calculated at the rate of 99 pence for every £100 of your
  • Who is eligible?                                                                                     monthly statement balance (including Insurance Premium Tax at the rate of 5%), and will appear
  Cover is available to the principal cardholder aged between 18 and 64 and who is                       as an itemised debit on your monthly statement. The monthly premium will vary each month
  resident in the UK at the start date.                                                                  depending on the size of your monthly statement balance.
                                                                                                         The table below gives some monthly premium examples:
                                                                                                         Monthly Statement Balance    Monthly Premium
 • What is covered?                                                                                                £100                     £0.99
                                                                                                                   £200                     £1.98
                         Qualifying
                                                 Benefit payable & Limit                                           £1,000                   £9.90
                         conditions
                                                                                                                   £2,000                   £19.80
 Life cover              Death                   Last statement balance at date of claim,                The premium rate will be periodically reviewed by the insurer, at least annually, and you will
                                                 subject to a maximum of £15,000.                        receive 30 days prior notice in writing of any premium change.
 Accident                Continuously            A monthly benefit of 10% of your last statement         The monthly premium price for your Thomas Cook Payment and Purchase Protection will be
 or Sickness             disabled for 14         balance prior to your claim (of which 1/30th will be    debited from your Thomas Cook account, and you may pay interest on the premium amount.
                         days or more.           paid for each consecutive day that you are disabled,    You must continue to pay your monthly premium while claiming benefit.
                         Under regular care      payable from the first day of disability), subject to
                                                 a maximum of £1,500 for any 30 day period and a         • What happens if I want to cancel this cover?
                         and attendance of                                                               If, after taking out and reading the policy, you do not want to continue with the insurance please
                         a doctor.               maximum claim duration of 360 days.
                                                                                                         contact Thomas Cook Credit Card on 0845 30 111 03. Alternatively, return your Policy Document
 Involuntary             Continuously            A monthly benefit of 10% of your                        or write to the following address: Barclays Insurance (Dublin) Limited, PO Box 586, Shannon, Co.
 Unemployment            unemployed for 14       last statement balance prior to your                    Clare, Ireland. If you do this within 30 days of receiving your Policy Document, we will cancel your
                         days or more no         claim (of which 1/30th will be paid                     policy and give you your money back.
                         sooner than 60 days     for each consecutive day that you are                   You may terminate your policy after 30 days by giving 30 days’ notice in writing.
                         after the start date.   unemployed, payable from the first day of
                         Must be working         unemployment), subject to a maximum                     • How do I make a claim?
                         immediately prior       of £1,500 for any 30 day period and a                   If you need to make a claim phone free on 0800 587 2003* with your policy number and
                         to the claim. Must      maximum claim duration of 360 days.                     claim details no more than 120 days after the period for which your claim is being made.
                         be available for and                                                            • How do I find out more or make a complaint if I am dissatisfied?
                         actively seeking                                                                If you have any questions/complaints relating to your cover, please telephone us on
                         employment.                                                                     0800 587 2003*. Alternatively write to us at the following address: The Customer Service
                                                                                                         Team, Barclays Insurance (Dublin) Limited, PO Box 586, Shannon, Co. Clare, Ireland.
 Hospitalisation         Confined to hospital    A monthly benefit of 10% of your last statement
                         for more than 24        balance prior to your claim (of which 1/30th will       If you cannot settle your complaint with us, you may refer it to the Financial Ombudsman
                         hours. Must be aged     be paid for each consecutive day that you are           Service, Customer Contact Division, South Quay Plaza, 183 Marsh Wall, London E14 9SR.
                         between 65 and 70       confined to hospital, payable from the first day        Telephone: 0845 080 1800.
                         and not working         of hospitalisation), subject to a maximum of
                                                                                                         Any complaints may be raised without prejudice to your right to take legal proceedings.
                         immediately prior to    £1,500 for any 30 day period and a maximum
                         the claim.              claim duration of 360 days.                             * To make sure we maintain a high-quality service, we may monitor or record phone calls.

 Purchase                Goods bought in         A payment to cover the cost of repair or                • Compensation Scheme
 Protection              the UK on a covered     replacement of the insured item (or actual              Thomas Cook Personal Finance Limited, Barclays Insurance (Dublin) Limited and Barclays
                         Thomas Cook credit      repair or replacement of the insured item)              Assurance (Dublin) Limited are covered by the Financial Services Compensation Scheme (FSCS).
                         card and lost or        subject to a maximum of £3,500 for each                 You may be entitled to compensation from the scheme if we cannot meet our obligations.
                         damaged within 100      insured item and a maximum of £15,000 in                Most insurance contracts are covered for 100% of the first £2,000 and 90% of the remainder of
                         days of purchase.       any one calendar year.                                  the claim. You can get more information about the compensation scheme arrangements by
                                                                                                         contacting the FSCS on 020 7892 7300 or by visiting their website at www.fscs.org.uk.
General Information                                                                                                      your unemployment. We will continue to pay this benefit until:

• Governing Law                                                                                                          • the end date; or
If you buy insurance in the United Kingdom you can choose which law will apply to your policy.                           • the date you retire; or
Unless you and the insurer make a written agreement saying otherwise before the policy is                                • you are no longer unemployed; or
issued, the law of England and Wales will apply to this insurance.
                                                                                                                         • we have paid benefit for 360 days;
Unless otherwise agreed, the contractual terms of this policy, all prior information and all
communications will be in English.                                                                                       whichever happens first.
• Your Insurer                                                                                                           Claims that occur within 6 months of a previous claim will be treated as
This Insurance is underwritten by Barclays Insurance (Dublin) Limited and Barclays Assurance                             a continuation of the original claim and will be subject to the maximum
(Dublin) Limited, Registered Office, 2 Park Place, Hatch Street, Dublin 2, Ireland. Registered in                        benefit payable.
Ireland with Numbers 265959/60. Both are regulated by the Irish Financial Regulator.                                     If you do any temporary work during a claim your benefit will be
                                                                                                                         suspended and will resume when the temporary work finishes.
                                                                                                                         You must be registered for work with the Department for Work and
THOMAS COOK CREDIT CARD                                                                                                  Pensions, or provide us with satisfactory alternative proof that you are
                                                                                                                         actively seeking work.
PAYMENT & PURCHASE PROTECTION –                                                                                          If you have a valid unemployment claim in the UK and move to another
POLICY DOCUMENT                                                                                                          EEA country while unemployed, we will continue to pay your claim
                                                                                                                         upon receipt of an E303 form and evidence of continued unemployment
This Policy Document gives details of your insurance, which has been specifically arranged                               from that country within the EEA. You can obtain a form E303 from The
for Thomas Cook Credit Card customers. This Policy Document, which includes the General                                  Pensions Service, International Pensions Centre, Tyneview Park, Newcastle-
Terms and Conditions, contains the full contractual terms and conditions. You should read                                Upon Tyne NE98 1BA, before leaving the UK. The most we will pay for any
the Policy Document carefully to ensure that you are eligible for the insurance and that you                             30-day period is £1,500.
understand what the insurance does and does not cover. You should keep the Policy Document             Exclusions: –     We will not pay benefit for unemployment that is the result of any of
in a safe place. The words that appear in bold in this Policy Document or in the General Terms                           the following:
and Conditions have specific meanings and these are defined in section 5.
                                                                                                                         • where you knew you were going to be made unemployed, or you had
                                                                                                                           reason to believe that it was likely to happen, at the start date. If this
   CANCELLATION RIGHTS                                                                                                     occurs you will not be able to claim on that occasion and you will have
                                                                                                                           to return to work for 6 months before you can make an unemployment
If, after taking out Thomas Cook Credit Card Payment & Purchase Protection Insurance                                       claim;
and reading the Policy Document, you do not want to continue with the insurance, please                                  • where you have not been in continuous work for 6 months with one
contact Thomas Cook Credit Card on 0845 30 111 03. Alternatively, you may write to us at the                               or more employers immediately before your employment ended (if
following address: Barclays Insurance (Dublin), PO Box 586, Shannon, Co. Clare, Ireland. If you                            you were not working for 2 weeks or less, we will not count this as
do this within 30 days of receiving the Policy Document we will cancel your insurance from the                             a break in your employment), or where your work is seasonal and
start date and refund all monthly premiums paid.                                                                           unemployment is a regular feature of your work;
                                                                                                                         • the normal expiry of a fixed term contract, unless you have worked
   1. WHO QUALIFIES FOR INSURANCE                                                                                          continuously for the same employer for at least 24 months, (except where
                                                                                                                           there was an explicit understanding at the start of the contract that it
Cover is available to Thomas Cook Credit Card customers who are aged 18 or over and under                                  would not be renewed) or been on a contract for at least 12 months and
65 and are resident in the UK at the start date.                                                                           had the contract renewed at least once, or originally been employed on a
                                                                                                                           permanent basis by the same employer and subsequently transferred to
You will not be covered for any pre-existing medical conditions.
                                                                                                                           a fixed-term contract without a break in employment;
You will not be covered for any unemployment of which you were aware, or ought
                                                                                                                         • your conduct (including misconduct such as fraud, illegal activity,
reasonably to have been aware, at the start date.
                                                                                                                           dishonesty or anything that led to or might have led to a disciplinary
You are not covered for unemployment that occurs within 60 days of the start date and you                                  procedure), or voluntary unemployment, voluntary redundancy, or
must be in continuous work for at least 6 months at the time your employment ceases.                                       where you have taken early retirement.
For purchase protection insurance, if you give the insured property as a gift you may make             Life
a claim on behalf of the person who received the gift.
                                                                                                       Benefit: –        If you die after the start date and before the end date, we will pay off the
                                                                                                                         outstanding balance, at which stage all cover will cease.
   2. COVER                                                                                                              The most we will pay is £15,000.
Disability                                                                                             Exclusion: –      We will not pay Life benefit if you commit suicide within 12 months of
                                                                                                                         the start date.
Benefit: –          If you become continuously disabled after the start date and before the
                    end date for 14 days or more, we will pay one thirtieth of your monthly            Hospitalisation
                    benefit for each consecutive day you are disabled, calculated from the             Benefit: –        If you are aged 65 or over and are not working and you have a continuous
                    first day of your disability.                                                                        stay in hospital of more than 24 hours after the start date and before the
                    We will continue to pay this benefit until:                                                          end date, we will pay you one thirtieth of your monthly benefit for each
                    • the date you return to work; or                                                                    consecutive day that you are in hospital (including the first 24 hours). We
                                                                                                                         will continue to pay this benefit until:
                    • you are no longer disabled; or
                                                                                                                         • you leave hospital; or
                    • the end date; or
                                                                                                                         • the end date; or
                    • we have paid your benefit for 360 days;
                                                                                                                         • we have paid benefit for 360 days, whichever happens first.
                    whichever happens first.
                                                                                                                         The most we will pay for any 30-day period is £1,500.
                    Claims that occur within 6 months of a previous claim and which arise
                    from a related condition will be treated as a continuation of the original         Exclusions: –     We will not pay benefit for hospitalisation that is the result of any of the
                    claim and will be subject to the maximum benefit payable.                                            following:
                    Disability benefits will not start until you consult a doctor. However, if                           • a pre-existing medical condition. We will not apply this exclusion if,
                    you are self-certified for the first 7 days of your disability, cover will apply                       at the time of claim, you have been symptom free and not consulted a
                    to those 7 days. We will only pay your disability benefits if you are under                            doctor or received treatment for at least 2 years;
                    the regular care and attendance of a doctor.                                                         • deliberate self-inflicted injuries (abortion; alcohol consumption or using
                    The most we will pay for any 30-day period is £1,500.                                                  drugs, unless they are prescribed by a doctor for purposes other than the
                                                                                                                           treatment of drug addiction; cosmetic or beauty treatment, unless this is
Exclusions: –        We will not pay benefit for a disability that is the result of any of the
                                                                                                                           needed because of a physical illness, disease or injury).
                     following:
                                                                                                       General
                    • a pre-existing medical condition. We will not apply this exclusion if,
                      at the time of claim, you have been symptom free and not consulted a             Exclusions: –     We reserve the right not to pay benefit for claims that are directly or
                      doctor or received treatment for at least 2 years.                                                 indirectly caused by civil commotion, riot, terrorism, revolution, war or
                                                                                                                         any similar event, nuclear radiation, ionising radiation or the dangerous
                    • deliberate self-inflicted injuries (abortion; alcohol consumption or using
                                                                                                                         properties of any nuclear equipment.
                      drugs, unless they are prescribed by a doctor for purposes other than
                      the treatment of drug addiction; cosmetic or beauty treatment , unless           Purchase Protection
                      this is needed because of a physical illness, disease or injury).                Benefit: –        If you suffer a loss and/or damage within 100 days of the date of
Unemployment                                                                                                             purchase (either the date on the receipt or the date of the card statement,
                                                                                                                         whichever is earlier) in the UK after the start date and before the end
Benefit: –          If you are working and become continuously unemployed for 14 days
                                                                                                                         date we will either:
                    or more no sooner than 60 days after the start date and before the end
                    date we will pay you one thirtieth of your monthly benefit for each                                  1. Choose to repair (or pay the cost of repair) or replace the insured
                    consecutive day that you are unemployed, calculated from the first day of                               property; or
                    2. Do one of the following:                                                       ‘Accident’          an unexpected, unintended incident resulting in injury.
                    • Pay the full purchase price on the card statement                               ‘Agreement’         the card agreement between Thomas Cook Personal Finance Limited and
                    • Pay a percentage of the purchase price shown on the card statement if                               you.
                      part of a set has suffered loss or damage and the other part can be used        ‘Card’              The Thomas Cook Credit Card issued to you under the credit agreement
                      separately or the other part cannot be used separately but can                                      and which you use.
                      be replaced.                                                                    ‘Claim Date’        for disability benefits – the day you are certified by a doctor; for
                    • If you have paid for only part of the insured property on the card,                                 involuntary unemployment benefits – the day after you stop working,
                      we will consider the amount shown on the card statement to be the                                   for life benefits – the day you die; for hospitalisation benefit – day you
                      purchase price.                                                                                     go into hospital; for purchase protection benefits, the date of loss or
                    We will pay up to £3,500 for each insured property. Items of insured                                  damage (or both).
                    property must have an original purchase price of at least £20. The most           ‘Credit agreement’ The running account credit agreement between you and Thomas Cook
                    benefit we will pay under this policy for one claim, or in total for all claims                      Personal Finance Limited which is covered by this policy.
                    is £15,000 in any 12-month period.                                                ‘Date of Purchase’ The date shown on your receipt when you bought the insured property.
                    If we decide to repair or replace the insured property, we may pay the            ‘Disability’        if you are working – an illness or accidental injury which you first had
                    supplier, manufacturer or repairer instead of you.                                                    after the start date and for which you have a doctor’s certificate to
Exclusions: –       We will not pay benefit for loss or damage resulting from:                                            say that you are not fit to work. The disability must stop you from
                    • Taking apart, maintaining, cleaning, restoring, dyeing or repairing the                             doing your normal job or any other paid work which your experience,
                      insured property                                                                                    education or training reasonably qualifies you to do. (If you are self-
                                                                                                                          employed, this includes helping, managing or carrying out any part of the
                    • You or any person living in your household not taking reasonable care                               day-to-day running of the business).
                      of the insured property
                                                                                                                          if you are not working – an illness or accidental injury which you first had
                    • Normal wear and tear                                                                                after the start date and for which you have a doctor’s certificate to say
                    • Faults in the insured property when you bought it                                                   that you are not fit to undertake your normal daily activity as follows: If
                                                                                                                          you are a Student, this means you being unable to pursue your studies
                    • Atmospheric or weather conditions (including fading caused by light)
                                                                                                                          and attend classes; if you are retired or are a Homemaker (and choosing
                    • An illegal act you or a person living in your household carry out                                   not to work outside of the home) this means you being unable to perform
                    • Loss of the insured property which you cannot reasonably explain                                    your normal household activities; if you are unemployed, this means
                                                                                                                          you being unable to actively seek work.
                    • Insects, pests, fungus or rust
                                                                                                                          You are ‘disabled’ if you have a disability as described above.
                    • Pets belonging to you or a person living in your household
                                                                                                      ‘Doctor’            a qualified medical practitioner who is registered and practising in the UK
                    • The electrical or mechanical breakdown of the insured property
                                                                                                                          or your country of residence. The doctor cannot be you, your relation,
                    • Theft, malicious damage or anything similar causing the loss and/or                                 your spouse or your registered civil partner under the Civil Partnerships
                      damage unless it is reported to the police within 24 hours of you                                   Act 2004 (or relevant legislation in your country
                      discovering the loss and/or damage                                                                  of residence).
                    • You or any person living in your household physically abusing the               ‘End Date’          the earliest to occur of the following events:
                      insured property
                                                                                                                          • the date you become 70;
                    • Radiation and radioactive contamination, or any related event,
                                                                                                                          • the date your agreement ends for whatever reason;
                    or
                                                                                                                          • the date we pay life benefit;
                    • Insured property left unattended in a vehicle unless the items have
                      been hidden from view and the vehicle is properly secured against theft.                            • the date on which you miss 3 consecutive monthly premiums;
                    The following items are not covered and are not included as insured                                   • the date we tell you that no further monthly premiums will be
                    property.                                                                                               accepted by us.
                    • Cash or its equivalent (including traveller cheques, tickets, vouchers,         ‘Fixed-Term Job’    actively working for remuneration for an employer under a contract of
                      cheques, postal orders and so on)                                                                   employment which has a specific termination date.
                    • Food                                                                            ‘Hospital’          a place that has accommodation for patients to stay, organised facilities
                                                                                                                          for major surgery and provides 24 hour nursing care by registered nurses.
                    • Second hand goods
                                                                                                                          ‘Hospital’ does not include convalescent, self-care, nursing or rest home
                    • Animals or living plants                                                                            facilities of any kind.
                    • Motor vehicles, motorcycles, boats, private leisure craft, tents and            ‘Insured Property’ All personal property you buy after the start date in the UK using the
                      caravans (including any fitted accessories)                                                        card either for your own use or as a gift for another person. There are
                                                                                                                         specific exclusions for some items of property you may buy (these are
   3. PREMIUM AND DURATION OF INSURANCE                                                                                  listed under section 2 ‘Exclusions’).
                                                                                                      ‘Hospitalisation’ a stay in hospital to have treatment for your disability on the advice of
The cost of your insurance will be calculated at the rate of 99 pence for every £100 of your                            your doctor.
monthly statement balance (including Insurance Premium Tax at the rate of 5%), and will
                                                                                                      ‘Loss or damage’ The direct physical loss of or damage to the insured property in the UK.
appear as an itemised debit on your monthly statement. The monthly premium will vary
each month depending on the size of your monthly statement balance. The premium rate will             ‘Monthly Benefit’ 10% of your outstanding balance.
be periodically reviewed by the insurer, at least annually, and you will receive 30 days prior        ‘Monthly Premium’ the amount you must pay to Thomas Cook Personal Finance Limited for
notice in writing of any premium change.                                                                                the insurance provided by your policy.
The monthly premium price for your Thomas Cook Payment and Purchase Protection will be                ‘Normal Household
debited from your Thomas Cook account, and you may pay interest on the premium amount.                Activities’       any of the following day to day activities:
The monthly premium collected by Thomas Cook Credit Card will be remitted to us and will                                  • Shopping – the ability to get to and from the nearest shops and carry a
provide cover for the month to come.                                                                                        small bag of shopping;
You must continue to pay your monthly premium while claiming benefit.                                                     • Cooking – the ability to prepare or cook a basic meal;
This Policy may continue as long as you continue to pay monthly premiums and those                                        • Childcare – the ability to supervise a child under age 5 by feeding,
monthly premiums are accepted by us, however the cover provided by this insurance and all                                   washing and dressing the child;
benefit payments will cease on the end date.
                                                                                                                          • Care of a relative – the ability to provide care for a relative including
Your Monthly Premium is inclusive of IPT at the current rate. If you live in the Channel                                    feeding, washing and dressing;
Islands or the Isle of Man, you can recover IPT by writing to the Managing Director, Barclays
                                                                                                                          • Handling money – the ability to recognise money and its transactional
Insurance (Dublin), 2 Park Place, Hatch Street, Dublin 2, Ireland.
                                                                                                                            value and to handle basic household finances;
                                                                                                                          • Taking medicine – the ability to take routine medication prescribed by a
   4. EARLY TERMINATION OF POLICY                                                                                           recognised medical practitioner;
You may terminate your policy at any time by giving 30 days’ notice in writing to us at:                                  • Housework – the ability to carry out light indoor household duties, such
Barclays Insurance (Dublin), PO Box 586, Shannon, Co Clare, Ireland. Your policy will                                       as dusting, washing dishes, use of a vacuum cleaner and bed making.
automatically terminate if your agreement ends.                                                       ‘Original
We may terminate your policy or change your policy terms and conditions by giving you                 Purchase Price’     The original amount you paid using the card for the insured property.
30 days’ notice. This does not affect your rights in respect of a claim arising prior to the                              If you paid for your purchase partly using discount vouchers, we will
termination date.                                                                                                         consider the original purchase price to be the price you paid, minus the
                                                                                                                          amount of the discount voucher (as shown on your card statement).
   5. DEFINITIONS                                                                                     ‘Outstanding
                                                                                                      Balance’            the balance on your Thomas Cook Credit Card on the last statement date
Where the words below appear in bold in this Policy Document or the General Terms and                                     before the claim date.
Conditions they will have the following meanings
                                                                                                      ‘Permanent Job’     actively working in a paid job. Your contract of employment does not
                     have a given or suggested termination date. You pay Class 1 National            2. How to claim
                     Insurance contributions or make equivalent contributions in your country        For full details of all benefits and exclusions please see Section 2 of the Policy Document.
                     of residence and your work is not temporary or casual.                          Disability, hospitalisation, critical illness, permanent total disability, unemployment and
‘Pre-Existing                                                                                        purchase protection claims:
Medical Condition’ any condition, injury, illness, disease or sickness for which you had             If you are eligible for any of these benefits and wish to make a claim under your insurance, please
                   symptoms, consulted a doctor, received treatment or received medication           telephone Barclays Insurance (Dublin) on the contact number given above. A partially completed
                   during the 12 months before the start date.                                       claim form will then be sent to you. Alternatively claim forms can be obtained by writing to:
‘Reasonable care’ You are:                                                                           Barclays Insurance (Dublin), PO Box 586, Shannon, Co. Clare, Ireland. You must complete the claim
                     • Taking all reasonable precautions to protect the insured property from        form within a reasonable time of the occurrence of the event giving rise to the claim (and in no
                       any foreseeable risks which may cause loss or damage (or both); and           event more than 120 days after the period for which your claim is being made) and return it to us
                                                                                                     at the above address. Please ensure that all questions are fully answered as failure to do so could
                     • The insured property is with you at all times (unless it is properly          result in delayed payment of benefit. You must provide and pay for any proof we may ask you for.
                       secured against theft and any other loss or damage).                          No benefits will be payable in respect of any period of claim for which the required proof is not
‘Regular Care                                                                                        provided.
& Attendance’        a doctor continuously treats you for the illness or injury causing              We may ask you to go to a doctor or consultant of our choice for a medical examination.
                     your disability.                                                                If we do, we will pay the fee. For Purchase Protection claims you may need to send the item being
‘Self-employed’      actively working alone or with a partner in a trade or profession, and          claimed for to us or provide other evidence of loss or damage.
                     assessed for tax under the Income Tax (Trading and Other Income) Act            Life claims:
                     2005 (or equivalent legislation in your country of residence) or working
                     for a company where you, or anyone connected with you, exercise control         If you are eligible for this benefit your next of kin must write to us at: Barclays Insurance
                     over that company.                                                              (Dublin), PO Box 586, Shannon, Co. Clare, Ireland, enclosing your death certificate and a letter
                                                                                                     saying that you have died. We must receive this as soon as possible after your death.
‘Start Date’         the date your insurance commences (this is shown on this Policy
                     Document).                                                                      We may pay claim payments directly to the lender on your behalf. When we have made these
                                                                                                     payments we will not make any further payments for the same claim.
‘Statement date’ the day each month when the statement showing how much you owe on
                 your Thomas Cook Credit Card is prepared.                                           We will only pay one type of benefit at a time. If any part of your claim is false, we will not pay
                                                                                                     the benefit.
‘Thomas Cook
Credit Card’         The Thomas Cook branded credit card issued by Thomas Cook Personal              3. If you have a complaint/your feeback
                     Finance Limited.                                                                If you have any questions or complaints about this policy please telephone us on the contact
‘UK’                 England, Scotland, Wales, Northern Ireland, the Channel Islands and             number given above or write to the Customer Services Team at: Barclays Insurance (Dublin), PO Box
                     the Isle of Man, including people working for the British Armed Forces          586, Shannon, Co. Clare, Ireland.
                     overseas or Civil Servants working in a British embassy or consulate            If you remain dissatisfied or you feel your complaint remains unresolved please write to: The
                     overseas.                                                                       Managing Director, Barclays Insurance (Dublin), PO Box 586, Shannon, Co. Clare, Ireland.
‘Unemployed’         you are not working and are available for, capable of and actively seeking      If after consultation with the Managing Director, you still feel the matter has not been resolved to
                     employment. You must be registered for work with the Department for             your satisfaction you may contact the Financial Ombudsman Service, South Quay Plaza, 183 Marsh
                     Work and Pensions or relevant agency and receiving a form of Jobseeker’s        Wall, London E14 9SR, Telephone: 0845 080 1800.
                     Allowance as defined by the relevant acts and/or regulations; or receiving      Contacting this organisation will not affect your legal right to take action against us.
                     credits for National Insurance contributions because you meet the
                     conditions for Jobseeker’s Allowance, although you do not receive it or are     4. Material facts
                     in receipt of Income Support benefits. If you are ineligible for Jobseeker’s    Some of the information you give us about yourself is known as “material facts”. These are facts
                     Allowance you must be able to provide us with satisfactory alternative          which we think are likely to affect the risk of insuring you. Information you give or which is given
                     proof that you are actively seeking work.                                       on your behalf in your application form, claims forms or other documents must be accurate,
                                                                                                     particularly information about your age, sex, medical history, state of health, occupation and
‘Unemployment’       you are unemployed for one of the following reasons:                            residence. If later it becomes clear that an important fact was inaccurate or omitted, we have the
                     • your employer has closed or moved or plans to close or move the part of the   right to cancel this Policy, or to refuse to meet a claim, without refunding any premiums if the
                       business in which you were employed to work; or                               mistake was deliberate or negligent.
                     • the business no longer needs the kind of work which you were employed to      5. Compensation scheme
                       do; or                                                                        Barclays Insurance (Dublin) Limited and Barclays Assurance (Dublin) Limited are covered by the
                     • you are self-employed and you have stopped trading permanently                Financial Services Compensation Scheme (FSCS) in respect of UK risks. You may be entitled to
                       and your business is being or has been wound up, or your business is in       compensation from the scheme if we cannot meet our obligations. Most insurance contracts are
                       the hands of a liquidator or your partnership has been dissolved. Your        covered for 100% of the first £2,000 and 90% of the remainder of the claim. You can get more
                       accountants would have to provide us with proof of this.                      information about the compensation scheme arrangements by contacting the FSCS on 020 7892
                                                                                                     7300 or by visiting their website at www.fscs.org.uk.
‘We’ or ‘Us’         Barclays Insurance (Dublin) Limited and/or Barclays Assurance (Dublin)
                     Limited.                                                                        6. Governing law
                                                                                                     If you buy insurance in the United Kingdom you can choose which law will apply to your policy.
‘Work’ or ‘Working’ you are working in a fixed-term job, permanent job or any paid                   Unless you and the insurer make a written agreement saying otherwise before the policy is issued,
                    employment (or receiving payment in lieu of notice) for at least one hour per    the law of England and Wales will apply to this insurance. Unless otherwise agreed the contractual
                    week, or you are self-employed.                                                  terms of this policy, all prior information and all communications will be in English. The Contracts
‘You’ or ‘Your’      a person (not a company) who owes money to Thomas Cook Credit Card              (Rights of Third Parties) Act 1999 shall not apply to this Policy.
                     after the start date and who:                                                   7. Data protection
                     • is paying us the monthly premium through Thomas Cook Personal                 You have a right to see personal information which is held by Barclays Insurance (Dublin) Limited or
                       Finance Limited; and                                                          Barclays Assurance (Dublin) Limited. There is a charge if you want to do this. For more details write
                                                                                                     to: The Data Protection Co-ordinator, PO Box 586, Shannon, Co Clare, Ireland.
                     • has applied for insurance and has been accepted for cover by us.
                                                                                                     – Insurance Administration
                                                                                                     Information you supply may be used for the purposes of insurance administration by us, our
   6. CONTACT DETAILS                                                                                associated companies and agents. It may be disclosed to regulatory bodies for the purpose
                                                                                                     of monitoring and/or enforcing our compliance with any regulatory rules or codes. Your
You may contact us by calling 0800 587 2003, by faxing                                               information may also be used for research and statistical purposes and crime prevention. It
0870 400 4865 or by writing to Barclays Insurance (Dublin),                                          may be transferred to any country including countries outside the EU for any of these purposes
                                                                                                     and for systems administration.
PO Box 586, Shannon, Co. Clare, Ireland.
                                                                                                     – Sensitive Data
For BT residential customers, calls will cost no more than 8p per minute, plus 3p call set-up fee    In order to assess the terms of the insurance contract or claims that arise, we may need to
(current at January 2007). The price on non-BT phone lines may be different. To make sure we         collect data that the Data Protection Act defines as sensitive (such as medical history or criminal
maintain a high-quality service, we may monitor or record phone calls.                               convictions). By proceeding with this insurance you signify your consent to such information being
                                                                                                     processed by us or our associated companies or agents.

GENERAL TERMS AND CONDITIONS                                                                         – Fraud Prevention
                                                                                                     The information that you have provided, both at the time of applying for this insurance and on
Please note that not all benefits referred to in these General Terms and Conditions are              making a claim, may be made available to other insurers for claims purposes via a register of claims.
applicable to all policies. Please refer to your Policy Document for details of the benefits         In addition insurers, lenders and their agents may share information you have provided to them
applicable to you.                                                                                   and may also undertake checks against publicly available information as necessary.
1. Your insurer                                                                                      8. Helpline for customers with disabilities
This insurance is underwritten by Barclays Insurance (Dublin) Limited in respect of any              To request a Braille, audio or large print version of any documentation relating to your insurance,
unemployment, hospitalisation, short-term disability benefits (policy terms of less than             please telephone us on 0870 400 4854 Customers who require a textphone facility can telephone
60 months) or Purchase Protection and by Barclays Assurance (Dublin) Limited in respect of           us on 0870 400 4855.
any life, critical illness, permanent total disability or long-term (policy terms of 60 months
and over) disability benefits. For the purpose of these terms and conditions the insurers are        This Insurance is underwritten by Barclays Insurance (Dublin) Limited and Barclays Assurance
collectively referred to as Barclays Insurance (Dublin).                                             (Dublin) Limited, Registered Office, 2 Park Place, Hatch Street, Dublin 2, Ireland. Registered in
                                                                                                     Ireland with Numbers 265959/60. Both are regulated by the Financial Regulator (FR) and are
Barclays Insurance (Dublin) Limited and Barclays Assurance (Dublin) Limited are regulated by         subsidiaries of Barclays Bank PLC, which is authorised and regulated by the Financial Services
the Financial Regulator.                                                                             Authority (FSA).

				
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Description: Credit Card Protection Insurance document sample