Extra products and services with your Tesco Clubcard Credit Card
EXTRA PRODUCTS AND SERVICES • aged between 18 and 65 (cover ceases at pay your monthly premium; or the date you
As a Tesco Clubcard Credit Cardholder, age 65); die, whichever happens first.
you can take advantage of the extra • permanently living in the Republic of Choice of law: If you buy insurance in
products and services explained below. We Ireland; and Ireland, you can choose which law applies to
have arranged with specialist insurance • in active employment or self-employment the insurance. Irish law will apply unless we
companies to devise the best possible and have been so continuously for the make a written agreement saying otherwise
package of cover for you. Summary details 6 months immediately prior to the before the insurer issues the policy.
are included in this document; more commencement date. Further information and complaints
information will be supplied in the Welcome procedure: If you have a problem with
Pack. Please note: There is a charge for Cost: The monthly insurance cost is 72c
for every €100 outstanding. Premiums are the service you receive, you can write to
Cardholder Payment Protection and Card the Customer Relations Manager, Cardif
Protection. You can apply for Cardholder payable during the period of insurance even
if you are claiming. Pinnacle, 5 George’s Dock, IFSC, Dublin 1.
Payment Protection and Card Protection Phone: 1890 818 982.
by ticking the relevant box(es) on the Example of exclusions: Any disability or
application form. unemployment claim that arises as a result If you are still not satisfied, any enquiries
of: or complaints you may have regarding this
Tesco Personal Finance acts as an agent of insurance cover should be addressed to the
the insured for insurance products, which • medical condition that you knew about, or Manager, Tesco Personal Finance, Customer
includes payment protection and card ought reasonably to have known about, or Services, PO Box 7520, Freepost, Dublin 4.
protection insurance. As an agent, we can for which you received advice, counselling
advise you in relation to the products for or treatment in the 12 months before the If we cannot resolve your complaint to your
which we hold an appointment, transmit commencement date. However you will satisfaction you may be entitled to complain
orders on your behalf to the product be able to claim for a disability if you are to the Financial Services Ombudsman’s
producers and from time to time, we may symptom free from that condition for a Bureau, 3rd Floor, Lincoln House, Lincoln
change product producer. period of 24 months prior to the claim; Place, Dublin 2
1. CARDHOLDER PAYMENT PROTECTION • chronic condition, your wilful deliberate 2. CPP CARD PROTECTION
actions, drug addiction or drug Administrator: Card Protection is provided
Insurers: The insurer of this policy is dependence or taking alcohol or drugs,
Pinnacle Insurance plc. Cardif Pinnacle is by Homecare Insurance Limited, PO Box
except under a doctor's direction (unless 3899 Dublin 1. Registered Office: Holgate
a trading name of Pinnacle Insurance plc. that direction relates to the treatment of
A BNP Paribas company. Pinnacle Insurance Park, York, YO26 4GA. Registered in England
drug addiction or dependence); or No 2793290. Authorised and regulated by
plc is authorised and regulated by the
Financial Services Authority in the United • war, invasion, riot, revolution or any similar the UK Financial Services Authority. CPP is
Kingdom. events are also excluded. a registered trademark of CPP Group Plc.
Any unemployment claim where: Homecare Insurance Limited is authorised
Cover: If you are unable to work for 14 and regulated by the UK Financial Services
consecutive days or more as a result of an • you lose your job or are advised that you Authority.
accident or sickness, a monthly benefit will will lose your job within 60 days of the
be payable to your account on the 15th commencement date: What is provided: Fraud Cover if your
day. Thereafter the monthly benefit will cards are lost or stolen; one free call from
• you knew you would lose your job at the anywhere in the world to report a loss; Card
be payable for each 30 consecutive days commencement date: or
of disability. If you are unable to work for Cancellation and Replacement Service;
30 consecutive days for unemployment • you resign or accept voluntary redundancy emergency cash advances.
a monthly benefit will be payable to your or early retirement. Cancellation: Remember that you have a
account on day 31 and for each period of A full list of exclusions and cover limitations right to cancel your policy. If you decide to
30 consecutive days of unemployment can be found in the policy wording. cancel within 14 days of your start date or
thereafter. The monthly benefit is equal to renewal date, please call us on +44 1904 544
Cancellation: You can cancel your policy at
10% of the outstanding balance on your 695 and we will cancel your policy right away
any time. If you cancel the policy within 30
last statement before your claim (minimum and refund the payment you have made.
days of receiving the policy documents you
€8). The payments will continue until Please note that if you choose to cancel
will receive a full refund of any premium
you return to work or when 12 monthly your policy outside of the cooling off periods
you have paid, provided you have not made
benefits have been paid for one disability or shown above, you will not be entitled to a
a claim. If you cancel your cover after this
unemployment claim, whichever happens refund.
period, no refund will be payable. To cancel
first. If you die then the outstanding balance Choice of law: This policy is governed by
please contact: Tesco Personal Finance,
on your last statement before your death will and must be interpreted in line with English
Customer Services, PO Box 7520, Freepost,
be paid, subject to a maximum of €12,000. law. We, the insurer and you agree that any
If you die as a result of an Accidental Bodily disputes may be settled only in the English
Injury then your claim value will be double Duration of cover: The policy renews
each month and will end when: your credit courts.
your outstanding balance.
card agreement stops or is assigned or
Eligibility: To be eligible for cover
transferred to someone else; when you retire
under this policy you must at the policy
from work or you reach 65; the date you or
commencement date be:
we cancel this insurance; the date you fail to