mybenefits booklet 2011 1

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					Good
things
in water...



                    A clear vision...
              a great place to work

                        mybenefits
                          2011/12
Welcome                                                                                                             Core
                               Welcome to Northumbrian Water’s mybenefits booklet for
                                                                                                                    benefits
                               2011/2012.
                               On the following pages you will find the information you need
                               to understand the comprehensive set of benefits available to
                                                                                                                    Core benefits are the benefits                          are required to work these afternoons due to           accrue during the whole period of your leave,
                               you as an NWL employee.
                                                                                                                    that you enjoy simply because                         business need, you will receive the equivalent time    plus any bank holidays which arise during
                                                                                                                                                                          off in lieu.                                           your absence.
                               We categorise the benefits under          Voluntary benefits (pages 10-22)
                                                                                                                    you work for Northumbrian
                               3 headings:                               There are a wide variety of voluntary
                                                                                                                    Water - you get them as part of                       Annual leave is earned on an accrual basis,            Paternity/Partner leave
                                                                                                                    working for a leading employer.                       so if you join or leave the company part way           If you have at least 26 weeks of continuous
                                                                         benefits on offer, the majority of which                                                         during a leave year your entitlement will be           service by the end of the 15th week before your
                               Core benefits (pages 2-4)                  are provided at discounted rates from      Some, like annual leave, your                         prorated. Our holiday year runs from 1 April to 31     baby is due, or by the week in which you are
                               are automatically provided to             external providers.                        pension and Back to Health,                           March, unless otherwise stated.                        notified of being matched with a child for
                               employees and include for example                                                    you get automatically.                                Maternity and adoption leave
                                                                                                                                                                                                                                 adoption, you will be entitled to up to 10 days
                               annual leave, sick pay and pension        We are continuing to work with a                                                                                                                        ordinary paternity leave with full pay. This will be
                                                                                                                                                                          Maternity and adoption leave of up to 52 weeks is      calculated on a pro-rata basis if you work part-
                               provision.                                specialist benefits company, Personal      Others, such as maternity and                         available to employees irrespective of length of       time. Ordinary paternity leave must normally be
                                                                         Group who support the mybenefits            paternity leave, you may qualify                      service. If you have 26 weeks' continuous
                                                                                                                                                                                                                                 taken within a period of 8 weeks before or after
                               Tax efficient benefits (pages 5-9)          programme.                                 for depending on your personal                        employment by the 15th week before your baby
                                                                                                                                                                                                                                 the birth of your baby or within 8 weeks of a
                               Smart Water, childcare savings,                                                                                                            is due, or before the week in which the matching
                                                                                                                    circumstances.                                        certificate for adoption is issued, you can receive
                                                                                                                                                                                                                                 placement. If you are expecting a baby, or are
                               Cycle2work, the buying of additional      Enclosed with this book is an                                                                    full pay for the first 26 weeks and statutory
                                                                                                                                                                                                                                 matched for adoption, on or after 3 April 2011,
                               holiday, the share incentive plan and     application form together with a set of
                                                                                                                    More information on the core                          maternity/adoption pay for a further 13 weeks.
                                                                                                                                                                                                                                 you may be able to take additional paternity
                               the Salary Sacrifice Car Scheme are       rules covering the different benefits.
                                                                                                                    benefits is provided in the                            If you are participating in salary sacrifice benefit
                                                                                                                                                                                                                                 leave by sharing your partner’s maternity or
                                                                                                                                                                                                                                 adoption leave.
                               tax efficient.                                                                       employee handbook.                                    options, you can either leave the salary sacrifice
                                                                         Applications for benefits can be made                                                            scheme (subject to the particular scheme rules)        Parental leave
                                                                                                                    Annual leave                                          and receive the above enhanced pay, or retain          If you have been continuously employed for at
                               If you decide to sacrifice part of your   on-line or by post. Benefits requiring a   On joining the company, your holiday entitlement,     your salary sacrifice benefits and receive statutory   least one year and have responsibility for a child
                               salary in exchange for the provision of   change to your salary must be              and how it increases, will be explained to you in     maternity/adoption pay only.                           under the age of 8, you will be eligible for unpaid
                               one or more of these benefits you can     received by 25 February 2011.              your contract of employment.                                                                                 leave of up to 13 weeks. 18 weeks of parental
                                                                                                                                                                          To retain enhanced payments you must return for
                               save tax and National Insurance on                                                   Your entitlement to annual leave and bank             a minimum of 26 weeks excluding any absence            leave will be granted to parents of disabled
                               the amount of the sacrifice.                                                         holidays will be calculated on a pro-rata basis       or keeping in touch days worked.                       children under the age of 18. The length of
                                                                                                                    if you work part-time.                                                                                       parental leave that you can take in any year,
                                                                                                                                                                          In addition when you return, you will receive five     or at any one time, is normally dependent on
                                                                                                                    In addition, you receive two paid half-day holidays   days special leave to be taken during the first four   the operational circumstances that exist at the
                               Heidi Mottram
                                                                                                                    (applied pro-rata if you work part-time) in respect   weeks upon return, applied pro-rata if you work        time. Leave must be taken in blocks of at least
                               Chief Executive
                                                                                                                    of the afternoons of 24 and 31 December. If you       part-time. Your annual leave will continue to          one week.


01   Good things in water...                                                                                                                                                                                                                                      mybenefits         02
Core
benefits
Company sick pay                                         the healthcare trust scheme and company funding          RehabWorks                                           Life assurance                                        Long service awards
We seek to support you when you are ill. We              are available from HR. If you are not eligible for the   RehabWorks is a health and well-being service        We provide a life assurance scheme for all            If you have 20 years of continuous employment       In addition to the EWP, Serco Health provide
have an absence management policy that aims              healthcare trust scheme you can be covered by            which provides specialist advice and treatment to    employees. Regardless of your length of service       or more, we will recognise your anniversary by      telephone based support if you need help
to assist you during your illness so that you can        the Back to Health scheme - you cannot be a              help employees with recovery from                    or working hours, the payment would be based          funding a gift of your choice to the following      with a stress related or mental health condition
return to normal work as soon as possible.               member of both. If you are a member of the               musculoskeletal disorders (MSDs). This service is    on four times your annual salary.                     values, as a token of our appreciation:             regardless of the cause of the problem. You
                                                         healthcare trust scheme and you leave the                available to all employees who have, or are                                                                                                                    can access this service via your line manager
In the event of unavoidable absence through              company, you may choose to purchase private              developing an MSD and provides speedy access         Personal accident insurance                            Continuous employment                Award         (or HR Adviser) who will arrange for an
sickness, provided notification and certification        medical insurance from AXA PPP on leaving. The           to chartered physiotherapists who are able to        The personal accident insurance scheme
                                                                                                                                                                                                                                        20 years                     £250        Occupational Health Adviser to give you a call
procedures are followed and on the basis that            company has negotiated preferential terms that           diagnose and treat such problems. You can            provides cover for employees in the event that                                                            to discuss your situation, identify what help
you do not prejudice your recovery, payment will         include cover for existing medical conditions, or a      access this service via your line manager who will   you suffer an accident either in or outside work.                30 years                    £300
                                                                                                                  refer you to RehabWorks for an assessment and                                                                                                                  is needed and then make the necessary
normally be made (inclusive of statutory sick pay)       discount on AXA PPP's standard rates or up to                                                                 The payment of this benefit is at the discretion of              40 years                    £400         arrangements on your behalf.
in accordance with the scale set out in the                                                                       treatment.                                           the insurer and varies depending on the severity
                                                         three month's free cover. The terms available will
employee handbook. The duration of company               depend on the level of cover chosen.                     Pension                                              of your injuries.                                     Employee Wellbeing Programme (EWP)
sick pay increases with service.                                                                                  We offer a choice of two pension arrangements for                                                          This benefit is provided by experts outside the
                                                                                                                                                                       The insurance covers injuries causing death
                                                         If you wish to make private arrangements to cover        new employees, depending on the terms of their       or permanent disability with a maximum benefit        company and is a free confidential service that
Healthcare Trust Scheme                                  children only, AXA PPP offers a policy called First      contract - the Northumbrian Water Pension
                                                                                                                                                                       of six times basic annual salary. We may change       includes quick access to face to face and
The healthcare trust scheme is available on a full       Healthcare. The company has negotiated a 10%             Scheme - Defined Contribution section, or a
                                                                                                                                                                       the terms of insurance from time to time.             telephone counselling. Both you and family
or part subsidy basis to employees who were              discount on the published price for cover.               Stakeholder arrangement (also a defined                                                                    members living with you at the same address
members on 1 July 2005 and who have remained                                                                      contribution scheme). Our final salary pension       Professional subscriptions                            can call the EWP 24 hours a day, 7 days a
members since then, together with personal                                                                        scheme was closed to new entrants on 31
                                                         Back to Health                                                                                                If membership of a professional body or               week and speak to trained professionals who
contract holders.                                                                                                 December 2007 but continues for existing             institution is essential to your position or is       will provide you with the support and guidance
                                                         Back to Health is a health plan, which can cover         members.
Members can terminate their membership, or               you if you need medical treatment and you are not                                                             beneficial to the business, we will refund up         you need to deal with a range of everyday
remove family members from cover, at any time.           a member of the company’s Private Healthcare             Group Income Protection                              to a maximum of three annual subscriptions            challenges such as relationship issues, financial
Family members can be added at additional cost           Trust scheme. Back to Health can be accessed             If you are a member of the Northumbrian Water        per annum, if authorised by your line manager.        concerns, legal queries, consumer issues, family
within 3 months of a lifestyle event. Lifestyle events   where your condition prevents you from carrying          Pension Scheme - Defined Contribution Section,       If student membership of a relevant professional      care/health, bereavement, insurance claims and
include marriage; entering into a common-law,            out your normal duties and allows you to return          you are automatically covered under the Group        body or institution is required before you can sit    housing queries.
civil partnership or equivalent relationship;            to health and to work sooner than you otherwise          Income Protection Plan, which provides you with      examinations, we will provide financial support
                                                         might have done. Any tax liability will be met by        an income for a period of time should you be         for this.
the birth of a child; or following the placement
                                                         the company.                                             unable to continue work due to ill health.
of a child for adoption. Cover for children is only
available until age 18, or up to 21 if they remain                                                                The amount of benefit payable is subject to the
in continuous education. You pay tax on the value                                                                 terms of the insurance policy in place. We may                                                                                                            .
of any company membership funding. Details of                                                                     change the terms of insurance from time to time.


03    Good things in water...                                                                                                                                                                                                                                                                                       mybenefits       04
Buying and selling holidays                                                                                                                                     Smart
Your contract of employment will state your
holiday entitlement. You may choose to either
                                                    If you sell a day, two days or three days of leave,
                                                    your annual salary will be increased by 1/260,
                                                                                                          Any holiday bought is not liable for income
                                                                                                          tax or NI contributions, but there is a tax
                                                                                                                                                                water
buy up to five additional days of leave or to       2/260 or 3/260. The change in gross annual pay        and NI liability on the amount of gross pay
sell three days from your annual holiday            will be spread equally over the remaining months      received for selling leave.
entitlement. The value of a day of holiday          of the scheme year, i.e. 12 if you sell holiday in                                                          Smart Water is a salary sacrifice arrangement under which you can exchange salary for free water
will be 1/260 of your annual salary.                April and 6 if you sell holiday in October. In the    If you want to buy or sell any holidays, you          and sewerage, water only or sewerage only services that are provided by the company. If you
                                                    case of holiday bought and sold in April, the         must complete the mybenefits application
If you wish to buy holiday you must decide at the   amount will be fixed based upon your salary           form on-line or use the enclosed form and
                                                                                                                                                                decide to take advantage of this benefit, you will no longer be liable for water/sewerage charges
beginning of the scheme year. If you wish to sell   as at the 1st April 2011 and will not be adjusted     return it by 25 February 2011.                        for your main residence and will be able to save tax and National Insurance on the amount of the
holiday you have two opportunities to do this,      subsequently if your salary increases or                                                                    sacrifice. Your salary sacrifice will be equivalent to the charge that would have been incurred if you
in April and October. If you buy a day, two days,   decreases during the remainder of the                                                                       had been a billable customer (referred to as “Smart Water Value” in the table).
three days, four days or five days of leave, your   scheme year.
gross annual salary will be reduced by 1/260,
2/260, 3/260, 4/260 or 5/260 respectively.                                                                                                                      How do I join?                                     How much can be saved?
                                                                                                                                                                To be eligible:
                                                                                                                                                                                                                            Smart Water Value                       Tax & NI Savings per   Tax & NI Savings per
                                                                                                                                                                • You must be a named account holder
                                                                                                                                                                                                                               Examples                           annum for 20% taxpayer annum for 40% taxpayer
                                                                                                                                                                  for water and sewerage, sewerage
                                                                                                                                                                  only or water only services supplied                                £300                                 £90                         £120
                                                                                                                                                                  by the company
                                                                                                                                                                                                                                      £150                                 £45                          £60
                                                                                                                                                                • The property must be your main domestic
                                                                                                                                                                  residence                                                            £50                                 £15                          £21
                                                                                                                                                                • You must be a UK tax payer                          (discounted scheme for South based staff)
                                                                                                                                                                • You must decide whether you wish to
                                                                                                                                                                                                                    Note: The company will disclose to HMRC that a benefit is being provided to you in the form of


Share incentive plan
                                                                                                                                                                  participate in Smart Water when we write
                                                                                                                                                                                                                    free water/sewerage. There will be tax payable by you on this benefit in kind. The current benefit
                                                                                                                                                                  to you in January each year                       in kind agreed with HMRC is £4.00 (unmeasured) and £5.00 (measured) which means that as
                                                                                                                                                                                                                    a 20% tax payer you will pay £1.00 in tax if you have free water and sewerage and £2.00 if you
                                                                                                                                                                You will be unable to participate in the benefit    are a 40% tax payer.
                                                                                                                                                                if the reduction in your salary will take your
                                                                                                                                                                earnings below the lower earnings threshold        For measured customers the Smart Water                  or Essex and Suffolk Water. Water supplied by
                                                                                                                                                                or national minimum wage.                          Value is estimated on average usage and                 Hartlepool will continue to be billed by them
The Plan enables you to buy shares in               You can contribute up to 10% of basic salary          Deductions will be made directly from your                                                               for both measured and unmeasured,                       and these charges must be paid to them.
Northumbrian Water Group (NWG) on                   or £1,500 in each tax year. We will arrange for       gross salary to purchase the partnership shares,      If you are eligible to join, you should already    includes a reduction equal to the Direct
an advantageous and tax efficient basis.            shares to be bought for you and will provide          so you will not normally pay income tax or NI         have received a letter detailing the amount of     Debit discount you would have received                  Details of Smart Water can be found in
                                                    one matching share for every three partnership        contributions on this amount.                         sacrifice required for 2011/2012 together with     as a billable customer.                                 the Smart Water Questions & Answers
The Plan is open to all employees who               shares you purchase. As a shareholder in NWG,                                                               the action you need to take if you wish to                                                                 document and Rules of the mybenefits
are resident in the UK for tax purposes             you will normally receive dividend payments           Full details of the Plan are provided in a separate   participate in the benefit.                        If you receive sewerage services from Thames            scheme. These are available on livelink
and have been continuously employed                 twice per year.                                       booklet ‘Sharing in our future’ available from HR.                                                       Water or water from Hartlepool Water, it is still       under people/pay and benefits or from
for at least three months.                                                                                                                                                                                         possible for you to participate in Smart Water.         your manager.
                                                                                                                                                                                                                   However your participation is limited to the
                                                                                                                                                                                                                   services you receive from Northumbrian Water



05   Good things in water...                                                                                                                                                                                                                                                                           mybenefits     06
Childcare                                                                                                                                                  Salary sacrifice
savings                                                                                                                                                    car scheme
Arranging childcare is a major concern for many employees and their partners. We recognise that                                                            NWL’s salary sacrifice car scheme enables employees to exchange salary for a fully financed and
working parents want to provide their children with the highest quality care whilst keeping costs                                                          maintained car. Employees can take a car for themselves or for a member of their immediate
down as far as possible. care-4 is a flexible electronic voucher scheme designed to make childcare                                                          family and have free choice of car up to CO2 emissions of 160 g/km. Cars provided to employees
that bit more affordable.                                                                                                                                  are obtained by NWL under lease hire arrangements and at the end of the scheme term it is
We are committed to this benefit and in              You can use the care-4 scheme to pay registered    You must also register your details with care-4.   possible for employees to request a price to purchase the car.
supporting employees who strive to achieve the       carers including childminders, day nurseries,      You can do this by telephone or on-line using
optimum work/life balance.                           after-school clubs and play schemes, as well as    the number or website address given below.         If you decide to take advantage of this benefit,      How do I obtain a quotation?
                                                     approved home carers such as nannies.                                                                 you will make savings on tax (including VAT)          Our car provider Tusker have an on-line
The care-4 scheme takes advantage of a                                                                  You will need to provide your Payroll number,
Government initiative that allows a proportion of                                                       your name and address, your carer's name           and NI arising from the sacrifice and will also       system which can calculate the amount
                                                     The scheme also entitles you to free parental
the childcare costs that you pay through care-4 to                                                      and full address and the name and date of          benefit from NWL fleet discounts.                     of sacrifice required for any chosen car.
                                                     support on health, education and general issues,
be free from income tax and NI.                      24 hours a day, 365 days a year. The childcare     birth of each of your children.
                                                     helpline includes a childcare search service,                                                         You will be liable for benefit in kind tax based      If you require any assistance or advice on
From April 2011, current scheme members and                                                             The Rules of the mybenefits scheme as               on the car’s value (often referred to as P11d         choosing a car, please contact Tusker’s
basic rate tax payers can save tax and NI on         should you wish to change your current childcare   amended from time to time apply. A copy
                                                     arrangements and for emergency/temporary                                                              value), its CO2 emissions and fuel type. The          Customer Service Team on 08719 955 551
£243 per month, higher rate tax payers on £124                                                          is enclosed and also available on livelink         highest savings can therefore be achieved by          or email customerservices@ss4c.com
per month and additional rate taxpayers on £97       childcare options.                                 under people/pay and benefits/rules of              choosing a car with low CO2 emissions.
per month.                                           As a care-4 member you have access to              mybenefits or from your manager.
                                                                                                                                                                                                                 The Rules of the mybenefits scheme as
If you are paying 11% NI and 20% tax you could       www.emergencychildcare.co.uk which                 Please note that if you are already using          What is covered?                                      amended from time to time apply together
save the following:                                  provides the opportunity to search for and book    care-4 there is no need to re-register.            • Maintenance – servicing, batteries,                 with the Questions & Answers sheet for
                                                     emergency childcare when your normal childcare     N.B. Payment to care providers is electronic         exhausts, no quibble tyre replacement               the Scheme. Copies are available on livelink
     Annual childcare cost            £2,916         is not available. You can book for the same day    so check your carer is able to accept this.        • Insurance (fully comprehensive)                     under people/pay and benefits/rules of
                                                     or up to 3 weeks in advance and pay for the                                                           • Early termination contingency (limiting liability
       Annual tax saving               £583                                                                                                                                                                      mybenefits.
                                                     place through your care-4 account.
                                                                                                                                                             if you terminate the scheme early)
        Annual NI saving               £320          In addition you have free access to                                                                   • Gap contingency (covering you if the car is
         Total Saving                  £903          www.childcareplaces.co.uk, a service                                                                    written off and there is any shortfall in the
                                                     to assist you if you are looking for a new                                                              amount of insurance settlement)
You can join care-4 by agreeing to reduce your       childminder, by enabling you to search by                                                             • Road fund licence
gross salary by a fixed monthly amount (up to your   postcode for vacancies posted by registered                                                           • MOT (where applicable)
tax free amount which is dependant on your tax       childminders that are members of the National                                                         • Roadside assistance
band) for the whole scheme year. These funds are     Childminding Association.
placed in a secure care-4 account from which you     How do I join?
authorise payments directly to your carer’s bank.    You must select the care-4 benefit by
You can pay your carer up to your tax free amount    25 February 2011, by completing the
from the scheme. Any childcare fees above this       childcare savings section of the
amount you will need to pay direct to your carer.    mybenefits application form.


07    Good things in water...                                                                                                                                                                                                                                   mybenefits   08
Cycle2work                                                                                                                                       NWL Christmas savings club
Cycle2work could be just what you need if you want a new bike to get fit, do something for                                                        You can save for your Christmas shopping using Northumbrian Water’s Christmas Savings Club which
the environment, have a less stressful journey to work and save pounds doing it.                                                                 has been set up just for employees.
Working with Halfords, this benefit takes          How do I join?                                  You will have a further opportunity to join   How it works                                       * The Savings Club bank account will generally          How do I join?
advantage of the Department for Transport’s        The Rules of the mybenefits scheme as            the scheme in October 2011.                   You decide how much you want to save each            earn interest in line with base rate. Tax will be     Simply complete the Christmas Savings section
initiative to try to encourage us to use           amended from time to time apply. A copy                                                       month. You can save as little as £10 per month       deducted before your share is added to your           of the mybenefits application form. Decide
sustainable modes of transport to and from         is enclosed and also available on livelink                                                    but can save anything up to £250 per month (in       savings. No further tax liability will arise on the   how much you wish to save each month and
work. The tax and National Insurance savings       under people/pay and benefits/rules of                                                         multiples of £10). You then arrange to have this     interest which can be omitted from your tax           remember it must be the same amount until
available through the scheme make                  mybenefits or from your manager.                                                               amount deducted from your net pay, by                return.                                               December. Complete the application on-line or
cycle2work a fantastic employee benefit                                                                                                          completing the Christmas Savings section of                                                                send your completed form to Personal Group to
and in addition NWL will pass back the             You must register with cycle2work by                                             .            the enclosed mybenefits application form or         Extra value?                                            arrive by 25 February 2011.
reclaimable VAT.                                   25 February 2011, by completing the                                                           on-line.                                           You can make your savings work even harder
                                                   cycle2work section of the mybenefits                                                                                                              for you by using the lump sum from your                 The first deduction will be taken from your April
Fifty per cent of the bike’s use should be work    application form or on-line.                                                                  All deducted amounts will be paid into an          Christmas Savings Club to purchase pay as you           pay. When you join, the first savings year will last
related, e.g. travel to and from work, or to get                                                                                                 exclusive bank account which has been set up       go retail vouchers (see page 12). With savings          8 months but in future years the savings period
around your work site, but you can also use it     1. Visit your local Halfords store to decide                                                  specifically for the Christmas Savings Club.       of up to 12%, you can choose from a wide                will be 12 months.
for leisure.                                          what bike and safety equipment                                                                                                                range of vouchers that can be used for
                                                      you require.                                                                               You save the same amount each month during         Christmas presents or festive fare.                     N.B. If you leave the company before the
How does it work?                                                                                                                                the savings year and at the beginning of                                                                   Christmas savings programme has been
By entering into the cycle2work scheme you         2. Choose the value that is closest to the                                                    December your savings will be credited to your                                                             completed for that year, your savings will be
agree to sacrifice an amount of your gross            value you require. (N.B. the value must                                                    normal bank/building society account together                                                              refunded in full but no interest will be added.
salary equivalent to the value you choose over        cover the total value of products as you                                                   with a share of any interest*. At the beginning                                                            Stopping your monthly deductions before the
an 18 month period. You will be able to save          cannot add your own personal funds of                                                      of December you choose what to do for the                                                                  deduction in November will only be considered
tax and National Insurance on the amount of           any description. You cannot receive any                                                    following year by either continuing to save the                                                            in exceptional circumstances and there will be
the sacrifice.                                        change or refund of the remaining amount).                                                 same amount, notifying a different amount you                                                              no access to the savings prior to December
                                                                                                                                                 would like to save or withdrawing from the                                                                 unless you leave the company.
                                                   3. Once your application has been authorised                                                  Savings Club.
                                                      and processed you will be issued with a
                                                      Letter of Collection which can be redeemed
                                                      within any Halfords store.




09   Good things in water...                                                                                                                                                                                                                                                                mybenefits        10
Shopping vouchers                                                                             (deducted monthly from your salary)                              Retail vouchers                                                                                      (pay as you go)

Discounted vouchers are available to use at major supermarkets, department stores and many                                                                     Discounted vouchers are available to use at major supermarkets, department stores and retail outlets.
other shops and restaurants. Northumbrian Water is able to source retail vouchers from major
                                                                                                                                                               Order a minimum of £100 worth of shopping                         Example savings: Order £200 worth of Currys
retailers at discounted prices and pass the savings on to you. There are no tax or NI implications.                                                            vouchers via the Lifestyle Voucher Service and                    Vouchers and you pay £180.
There's a wide range of vouchers to choose from so there are lots of ways to save money.                                                                       receive up to 12% off the value of your order.
You can choose to have vouchers from any of the stores shown below and have the option to
stop deductions after three, six, nine or twelve months. Supermarket vouchers can be used
to purchase fuel at participating Supermarket branded petrol stations. Please check with your                                                                   Voucher             Outlets                                                                                                                                              Lifestyle Savings

local Supermarket petrol station before you fill up.                                                                                                             Arcadia          Burton, Dorothy Perkins, Evans, Miss Selfridge, Outfit, Topshop, Topman, Wallis                                                                               9%
                                                                                                                                                                Argos            Argos                                                                                                                                                         8%
                                                                                                                                                                Asda             Asda                                                                                                                                                          5%
     Voucher                     Discount       Voucher                       Discount        *   Arcadia Group Ltd - vouchers can be used in:
                                                                                                  Burton, Dorothy Perkins, Evans, Miss Selfridge,               B&Q              B&Q                                                                                                                                                           9%
                                                                                                  Outfit, Topshop, Topman and Wallis.                           Boots            Boots                                                                                                                                                         7%
     Arcadia*                      8%           John Lewis (inc Waitrose)        8%
                                                                                              ** Can be used in Currys, Currys Digital and PC World.            Comet            Comet                                                                                                                                                        10%
     Argos ††                      7%           Leisure Vouchers †•              8%           *** Can be used in HMV, Dillons, Hatchards and                    Currys           Currys, Currys Digital                                                                                                                                       10%
     ASDA                          5%           Marks & Spencer                  6%               Waterstone’s.                                                 Debenhams        Debenhams                                                                                                                                                    8.5%
                                                                                              † Includes Pizza Hut, Bella Italia, TGI Friday, Brewers Fayre,    Gap              Gap                                                                                                                                                          10%
     B&Q                           9%           New Look                         6%               Beefeater, Marriott Hotels, Premier Inn, JMC,                 HMV              HMV, Waterstone's, Hatchards and Hodges Figgis                                                                                                                9%
     Boots                         7%           Sainsbury’s                      5%               Haven & Warner Holidays and Red Letter Days
                                                                                                                                                                Homebase         Homebase                                                                                                                                                      7%
                                                                                                  (see www.leisurevouchers.co.uk for the latest listings).
     Debenhams                     8%           Somerfield                       5%           †† Argos vouchers are valid for one year.                         House of Fraser  House of Fraser, Dickens & Jones, Arnotts, Binns, Cavendish House, David Evans, D.H. Evans, Dingles, Hammonds, Rackhams, Frasers, Barkers,
                                                                                              • Leisure Vouchers are valid for two years.                                        Army & Navy, Howells, Jollys, Kendals                                                                                                                         11%
     Currys**                      8%           Thomas Cook                      6%
                                                                                                                                                                Ikea             Ikea                                                                                                                                                           6%
     HMV***                        8%           WHSmith                          8%                                                                             Laithwaites      Laithwaites Wine                                                                                                                                              10%
     House of Fraser               9%           Wilkinson                        8%                                                                             Leisure Vouchers Order a minimum of £50 worth of Leisure Vouchers. Please see www.leisurevouchers.co.uk for full listings of where and how your vouchers                       10%
                                                                                                                                                                                 can be spent. Leisure Vouchers can be used for travel, however they cannot be redeemed on the High Street.
                                                                                                                                                                                 Please call the dedicated helpline as detailed at www.leisurevouchers.co.uk/howtoenjoy for details of how to redeem.
Savings and budgeting ideas                    How it works                                       To avoid any delays in delivery, please make                  Love2Shop        The UK's leading multi-retailer gift voucher - accepted by over 85 retailers nationwide. Please see www.love2reward.co.uk for a full listing.                 8%
• Set aside your supermarket or fuel budget    Simply place a minimum monthly order               sure you update HR with any changes to your                                    You can also spend your Love2shop Gift Vouchers at Park Travel. To use this voucher for holidays and travel you must call 0845 077 4444.
  as vouchers                                  of £50, which may be split in multiples of         home address.                                                 Marks & Spencer Marks & Spencer                                                                                                                                               5.5%
• Buy vouchers for Christmas and birthdays     £10 between any voucher type (e.g. £30                                                                           Morrisons        Morrisons                                                                                                                                                     2%
                                                                                                                                                                New Look         New Look                                                                                                                                                      9%
  or use the vouchers to buy gifts             The total amount in vouchers will be sent to       Your monthly salary will be reduced by the                    River Island     River Island                                                                                                                                                  8%
                                               your home address around pay day. The              cost (not the face value) of vouchers selected.               Sainsbury's      Sainsbury's                                                                                                                                                   4%
What do I save?                                vouchers, except where indicated, have                                                                           Selfridges       Selfridges                                                                                                                                                   7.5%
If you normally spend £400 a month on          no expiry date.                                    How do I join?                                                Signet           Ernest Jones, Leslie Davis, H Samuel                                                                                                                         12%
groceries, you would save at least £20                                                            Complete the shopping voucher section of the                  Thomas Cook      Thomas Cook and Going Places. Can be redeemed in any Thomas Cook Shop, through Thomas Cook Direct, against Thomas Cook TV
by purchasing supermarket vouchers at                                                             enclosed mybenefits application form or                                         or via www.thomascook.com.                                                                                                                                    6%
a 5% discount.                                                                                    apply on-line by 25th February 2011.                          Virgin Gift      Virgin wines, Tenpin, Legoland, Garfunkels, Chiquitos, Est Est Est, Marco Pierre White Restaurants, Virgin Experience Days, Virgin Balloon Flights,
                                                                                                                                                                Vouchers         The Roof Gardens, Virgin Active, Virgin Cosmetics, Virgin Vouchers Travel Club, Virgin Atlantic, Virgin Holidays and many more.                                6%
                                                                                                                                                                WHSmith          WHSmith                                                                                                                                                       10%
You would have a deduction of £380 from your
net pay and receive £400 in vouchers. This
                                                                                                                                                               Terms and conditions apply. Please see mybenefits website for full details.
example represents an annual saving of £240.


11     Good things in water...                                                                                                                                                                                                                                                                                                         mybenefits       12
Discounted/Cashback                                                                                                                                                       Computer loan
shopping                                                                                                                                                                  As an employee of Northumbrian Water you
                                                                                                                                                                          are able to apply for an interest-free computer
                                                                                                                                                                                                                             The loan can be to a maximum of £750,
                                                                                                                                                                                                                             repayable via monthly deductions from your
                                                                                                                                                                                                                                                                                 from a PC e.g. digital camera.
                                                                                                                                                                                                                                                                                 An application form together with full terms
                                                                                                                                                                          loan from the company provided you have            salary over a fixed period of two years.            and conditions is available on livelink under
                                                                                                                                                                          a permanent contract of employment or a            The loan can be used to buy one PC or/and           people/pay and benefits/computer loan
The discounted/cashback shopping site will          To access simply go to                                             For security, you will then be asked to create a   fixed term contract which covers the               one laptop or/and equipment linked to a PC          or from your manager or HR.
allow you to access savings from 100s of            www.personal-benefits.com/nwl and input                             unique username and password which you will        repayment term and have satisfactorily             e.g. printer/scanner purchased from a VAT
retailers when you shop on-line and gives you       the username and password as detailed in the                       use each time you log in to the site.              completed your probationary period.                registered supplier. It cannot be used for any      You will be required to provide a receipt/proof
the ability to accumulate cashback which you        letter enclosed with your booklet. Once you                                                                                                                              item of equipment that works independently          of purchase for authorisation for the loan.
can then transfer directly and securely into your   have gained access to the mybenefits site click                     N.B. You will need to remember the username
own bank account.                                   on the lily – discounted/cashback shopping and                     and password you create for all future visits to



                                                                                                                                                                          Public transport travel loan
                                                    register your membership number which is                           this site.
                                                    shown on the reverse of the mybenefits fob.




                                                                                                                                                                          If you use public transport to get to and from     purchase a travel pass from your transport          An application form together with full terms
                                                                                                                                                                          work, you are able to apply for an interest-free   provider which should cover your travel to and      and conditions is available on livelink under
                                                                                                                                                                          travel loan from the company provided you have     from work but may also allow use for general        people/pay and benefits/public transport
                                                                                                                                                                          a permanent contract of employment or a fixed      travel eg at weekends and evenings. The loan        travel loan or from your manager or HR.
                                                                                                                                                                          term contract which covers the repayment term      can be to a maximum of £750, repayable via


Reloadable cards
                                                                                                                                                                          and have satisfactorily completed your             monthly deductions from your salary over a          You will be required to provide a receipt/proof
                                                                                                                                                                          probationary period. The loan will allow you to    fixed period of 12 months.                          of purchase for authorisation for the loan.
                                                                                                              Asda and Sainsbury’s

Save money on your everyday shopping
Reloadable cards are currently available to use
in store at Asda and Sainsbury’s. You can top
                                                    Terms and conditions apply and discount rates may change.
                                                    Reloadable cards cannot be used for placing orders on-line.
                                                                                                                                                                          Qualification loan
up the credit on the card at any time by using      Full details for using the reloadable cards are available on the
your debit/credit card and the balance on the       website and the helpline staff will be able to give you further                                                       If you choose to undertake a course of study       The loan is also available if you are receiving     An application form and Qualification
                                                    information when you call. The minimum amount that can be                                                             where the course is not a requirement of your      partial financial support under the Professional    Loan Policy is available on livelink under
card can be used for in-store purchases             loaded onto the card is £10.
(excluding third-party concessions or                                                                                                                                     role, you are able to apply for an interest-free   Development Policy for the balance of the cost      people/training and development/key
products, petrol and lottery tickets).                                                                                                                                    qualification loan, provided that you have a       of the course, registration, assessment and         links/qualification loan.
                                                                                                                                                                          permanent contract or a fixed term contract        examination fees. The maximum loan will
The discount for Asda is 5%                                                                                                                                               which covers the repayment term, have              typically be £3,000 per annum, repayable by         Payment will be made direct to the
and Sainsbury’s 4%.                                                                                                                                                       satisfactorily completed your probationary         monthly deductions from salary over a fixed         educational provider.
                                                                                                                                                                          period and the course will lead to a               period of two years, or the length of the course,
                                                                                                                                                                          recognised qualification.                          whichever is the greater.


13    Good things in water...                                                                                                                                                                                                                                                                                   mybenefits          14
Discounted medicals                                                                                                                                  Dental plan
A range of comprehensive health assessments are available to both you and your partner                                                                  Benefits                                                                                                     Denplan
                                                                                                                                                                                                                                                                       Key
                                                                                                                                                                                                                                                                                            Denplan
                                                                                                                                                                                                                                                                                           Elementary
                                                                                                                                                                                                                                                                                                                      Denplan
                                                                                                                                                                                                                                                                                                                      Essential
                                                                                                                                                                                                                                                                                                                                            Denplan
                                                                                                                                                                                                                                                                                                                                          Essential Plus
                                                                                                                                                                                                                                                                                                                                                                     Denplan
                                                                                                                                                                                                                                                                                                                                                                     Extensive
                                                                                                                                                                                                                                                                                                                                                                                              Denplan
                                                                                                                                                                                                                                                                                                                                                                                        Extensive Plus
through Nuffield Health, at the NWL discounted rate of 12.5%.                                                                                            100% Reimbursement
                                                                                                                                                        For NHS treatment.
                                                                                                                                                                                                                                                                        ✖                      ✔                         ✔                     ✔                         ✔                        ✔
                                                                                                                                                        Worldwide Dental Injury                                                                                           ✔                       ✔                        ✔                       ✔                       ✔                      ✔
                                                                                                                                                        Cover for up to £2,500 of treatments per dental injury up to four incidents per policy year.
Each of the health assessments provides a       Further details and costs of the assessments                                                            Worldwide Emergency Dental Treatment                                                                              ✔                       ✔                        ✔                       ✔                       ✔                      ✔
comprehensive range of tests which will give    are available on livelink under people/health                                                           In the UK: up to £200 of treatment per incident for up to four incidents per policy year.
                                                                                                                                                        Outside the UK: up to £400 of treatment per incident for up to two incidents per policy year.
you a clear understanding of your current       and wellbeing/discounted medicals.                                                                      There is an overall maximum of £800 per policy year for this benefit.
state of health as well as the opportunity to                                                                                                           Hospital Cash Benefit                                                                                              ✔                       ✔                        ✔                       ✔                       ✔                      ✔
                                                                                                                                                        £50 for each night you stay overnight in hospital, up to £1,000 per policy year, for dental
discuss any individual concerns in confidence   If you are unsure which assessment is best for                                                          treatment under the care of a consultant specialising in dental or maxilofacial surgery in relation
                                                                                                                                                        to a head or neck condition.
with an experienced health professional.        you, a Nuffield Health Adviser will be available                                                        Dentist Call-Out Fees                                                                                             ✔                       ✔                        ✔                       ✔                       ✔                      ✔
                                                to discuss in confidence your requirements                                                              Up to £100 per incident for up to two incidents per policy year.
Following your health assessment you will       and help you decide.                                                                                    Mouth Cancer Cover                                                                                                ✔                       ✔                        ✔                       ✔                       ✔                      ✔
                                                                                                                                                        Up to £12,000 towards once course of treatment for up to eighteen months
receive a detailed report which will explain                                                                                                            following diagnosis (smokers are included).
both the outcome of your assessment as well                                                                                                             24-hour Worldwide Emergency Helpline                                                                              ✔                       ✔                        ✔                       ✔                       ✔                      ✔
                                                                                                                                                        Routine Examinations                                                                                              ✖            100% reimbursement             Up to £50               Up to £50             Up to £100        Up to £100
as advice and guidance on managing your                                                                                                                                                                                                                                                  up to NHS limits           per policy year         per policy year        per policy year   per policy year
health and lifestyle.                                                                                                                                   Hygiene Treatments                                                                                                ✖            100% reimbursement             Up to £60               Up to £60             Up to £120        Up to £120
                                                                                                                                                                                                                                                                                         up to NHS limits           per policy year         per policy year        per policy year   per policy year
                                                                                                                                                        Dental X-rays                                                                                                     ✖            100% reimbursement             Up to £40               Up to £40              Up to £80        Up to £100
                                                                                                                                                                                                                                                                                         up to NHS limits           per policy year         per policy year        per policy year   per policy year




Health & leisure
                                                                                                                                                        Restorative Treatments                                                                                            ✖            100% reimbursement          80% of the cost         80% of the cost         80% of the cost  80% of the cost
                                                                                                                                                        (and NHS band 2 & 3 treatment)                                                                                                   up to NHS limits            Up to £200             Up to £1,000            Up to £400       Up to £2,000
                                                                                                                                                        Including but not limited to fillings, crowns, bridges, dentures and specialist treatment.                                                                  per policy year         per policy year        per policy year   per policy year
                                                                                                                                                        Employee                                                                                                 £4.50 per month         £9.55 per month          £15.60 per month        £21.35 per month        £26.40 per month £36.95 per month
                                                                                                                                                                                                                                                                  £54.00 per year        £114.60 per year         £187.20 per year        £256.20 per year        £316.80 per year £443.40 per year
                                                                                                                                                        Employee and Partner                                                                                     £8.35 per month         £17.85 per month         £29.00 per month        £40.00 per month        £49.05 per month £73.90 per month
                                                                                                                                                                                                                                                                 £100.20 per year        £214.20 per year         £348.00 per year        £480.00 per year        £588.60 per year £886.80 per year
                                                                                                                                                        Single Parent Family                                                                                     £7.25 per month         £15.35 per month         £25.05 per month        £34.45 per month        £42.35 per month £63.90 per month
                                                                                                                                                                                                                                                                  £87.00 per year        £184.20 per year         £300.60 per year        £413.40 per year        £508.20 per year £766.80 per year
As a Northumbrian Water                         How it works                                                                                            Family Monthly                                                                                           £11.15 per month
                                                                                                                                                                                                                                                                 £133.80 per year
                                                                                                                                                                                                                                                                                         £23.85 per month
                                                                                                                                                                                                                                                                                         £286.20 per year
                                                                                                                                                                                                                                                                                                                  £38.80 per month
                                                                                                                                                                                                                                                                                                                  £465.60 per year
                                                                                                                                                                                                                                                                                                                                          £53.65 per month
                                                                                                                                                                                                                                                                                                                                          £643.80 per year
                                                                                                                                                                                                                                                                                                                                                                  £65.75 per month £100.80 per month
                                                                                                                                                                                                                                                                                                                                                                  £789.00 per year £1,209.60 per year
employee, you get membership                    To locate your nearest participating health        If your chosen fitness club does not currently
                                                club and to discover all the advantages of         participate in the network, they will endeavour   Prices quoted include Insurance Premium Tax charged at the prevailing rate of 6%. Prices are valid until 31st March 2012.
of Incorpore, the health club                   your Incorpore membership please visit             to incorporate the club.                          Dependants include the employee's partner and children up to the age of 21 (or 24 if in full-time education). Denplan Elementary is not applicable
company, and access to an                       www.incorpore.co.uk and log in.                                                                      to children under the age of 18 (or 19 if in full-time education) as they are exempt from NHS charges.
exclusive network of 2,200                                                                          There is no deadline for registering for         Exclusions Treatment prescribed, planned, advised or taking place on or before the commencement date of the policy or for claims under the dental injury or dental emergency benefit for treatment required as a result of an incident that occurred prior to the
                                                                                                                                                     commencement date of the policy. Treatment in connection with dental injuries must commence within a period of 6 months and must be completed within 24 months of the date of the original incident.
health clubs, gyms and leisure                  Once you have chosen your club please               this benefit. If you would like assistance       Any treatment relating to damage or injury caused whilst participating in contact sports (including training) unless the appropriate mouth protection is worn. Any treatment not deemed to be clinically necessary. Implants and all costs associated with the
                                                contact them quoting Incorpore to book              in choosing a club, would like to make a         preparation and fitting of such a device. Treatment for mouth cancer diagnosed before or within 90 days after you joined Denplan or for which tests or consultations began within those 90 days, even If the diagnosis is not made until later. If you pay your
centres, which are guaranteed                   your visit. Please take this booklet with you to    booking, or for further information visit the
                                                                                                                                                     premium directly to Denplan you can only be covered under the terms and conditions of the policy from commencement date if you are a resident in the UK, Isle of Man or the Channel Islands.

to offer you the lowest corporate               the health club as proof of employment with         member section of the website.                   How do I join?
                                                                                                                                                     You must register your interest with Personal Group                                       Denplan Limited, Registered number 1981238, England. Registered office
rate available. As an Incorpore                 Northumbrian Water.
                                                                                                                                                     by 25 February 2011, by completing the Dental                                             107 Cheapside, London, EC2V 6DU, United Kingdom. This policy is
member, you will also receive                                                                                                                        Plan section of the mybenefits application form.                                           underwritten by AXA PPP healthcare Limited. Registered in England
                                                                                                                                                                                                                                               number 3148199. Registered office 107 Cheapside, London, EC2V 6DU,
a guest pass or trial to view                                                                                                                        Full details of the benefits, exclusions and limitations                                  United Kingdom. Denplan Limited is an Appointed Representative of AXA

and experience the club prior                                                                                                                        can be found in the terms and conditions within the
                                                                                                                                                                                                                                               PPP healthcare Limited which is authorised and regulated by the Financial
                                                                                                                                                                                                                                               Services Authority. Denplan Limited can only offer the dental insurance of
to joining.                                                                                                                                          policy handbook, which will be sent out to you if                                         AXA PPP Healthcare Limited.
                                                                                                                                                     you register your interest.


15   Good things in water...                                                                                                                                                                                                                                                                                                                                                         mybenefits                 16
Eyecare                                                                                                                                                    Discounted legal services
Company eye tests for VDU users.                                                                                                                           The commercial law firms used by                   Gordon Brown Associates have offices in
If you use a VDU screen in your work and         You should ask your manager to request an         system on mydata. You should send the                   Northumbrian Water in the North East and           Newcastle, Sunderland, Chester-le-Street
are defined as a DSE user, Northumbrian Water    eye test voucher from HR which you should         optician’s certificate together with a copy             South are offering 7.5% discount on legal          and Houghton-le-Spring.
pays for your eye tests. If as a result of the   then take to your chosen optician. The optician   of your receipt to Payroll and you will receive         services including conveyancing and will writing   Wortley, Redmayne Kershaw have
examination, corrective spectacles are           will provide you with a VDU certificate of        reimbursement through your salary.                      to employees and their immediate family.           offices in Chelmsford.
recommended for VDU use, we will contribute      recommendation, stating whether glasses are



                                                                                                                                                           Taxation service
£55 towards the cost of the spectacles -         required. If you need glasses for VDU use you
this is increased to £75 for bi-focals and       should pay for these and reclaim either £55 or
more complex prescriptions.                      £75 (bi-focal prescriptions) via the expenses




Personal financial and                                                                                                                                      Believe it or not, the taxman owes money to nearly half the working population of the UK.
                                                                                                                                                           And you could be one of them.


mortgage advice service
                                                                                                                                                           Personal Taxation Services, the UK’s leading       Important information:                        There is no deadline for registering for this
                                                                                                                                                           personal tax rebate specialist has, to date,       • No rebate, NO FEE                           benefit. Simply complete the tax claim form
                                                                                                                                                           secured more than £60 million for tax payers.      • 59p in the pound refunded to you from       provided in the back of this booklet or visit
                                                                                                                                                                                                                every successful claim                      the website.
                                                                                                                                                                                                              • A completely confidential service
                                                                                                                                                                                                              • The odds of receiving a rebate from PTS     Personal Taxation Services is not part of the Personal
The Personal Financial and Mortgage Advice Service gives all employees access                                                                                                                                   are averaging 1 in 3                        Group of Companies.
to independent financial advice.                                                                                                                                                                               • Rebates obtained to date range from
Simply call the telephone number or access       Savings and investments                                                                                                                                        £10 to £11,011.27
the Berkeley Morgan Ltd website                  • A range of savings schemes, including           The Personal Financial and Mortgage Advice Service is
www.berkeleymorgan.co.uk. They will                bonds and tax-efficient ISAs                    Whole of Market. This means they can look at a wide



                                                                                                                                                           Free fishing
arrange for a Financial Adviser to discuss                                                         range of providers and recommend one suitable for
your individual circumstances with you on        Mortgages                                         your circumstances. The Personal Financial and
the telephone or, where appropriate, arrange     A wide range of mortgages for those who are       Mortgage Advice Service is operated and administered
an individual meeting at a time and location     • moving home                                     by Berkeley Morgan Ltd, a company authorised and
convenient to you.                               • Home buying for the first time                  regulated by the Financial Services Authority.
                                                 • Remortgaging for a better deal or to raise      Registered address: John Ormond House, 899 Silbury
Professional personal advice on...                 extra funds                                     Boulevard, Central Milton Keynes MK9 3XL.
                                                                                                                                                           Free fishing is available to you as a              All employees, including partners must be     A partner and up to two children or
Pensions
                                                 Your home may be repossessed if you               LighthouseCarrwood Ltd is an appointed                  Northumbrian Water employee between                registered to fish.                           grandchildren may fish free.
• Existing or new personal pensions
                                                 do not keep up repayments on your                 representative of LighthouseXpress Ltd which is         12 March 2011 – 30 November 2011 at the
• Company pension transfers - via their
                                                 mortgage or any other loan secured                authorised and regulated by the Financial Services      following locations:                               You are allowed a maximum of 3 trout per      This offer also applies to retired employees.
  associate company, LighthouseCarrwood
                                                 on it.                                            Authority.                                              Cow Green, Derwent, Fontburn, Grassholme,          visit except at Whittle Dene (and Abberton
  Protection
• Ways of helping you plan and protect           This benefit is on offer until the end of the                                                             Hanningfield*, Hury, Kielder**, Scaling Dam and    when it reopens) where all fish caught must
• Comparisons with existing life/critical        scheme year (31 March 2012). Simply call                                                                  Whittle Dene (*Hanningfield opens 5 March          be returned.
  illness policies                               the number to receive any financial and                                                                   2011 ** Kielder closes 5 November 2011).
• Cover for individuals and for possessions      mortgage advice.


17   Good things in water...                                                                                                                                                                                                                                                                 mybenefits         18
Bikes for the family                                                                                                                                                            Holiday discounts
If you are not eligible for the cycle2work scheme                                                                                                                               Take advantage of commission                                Airtours                                  12%
because you do not use your bike for work
related travel, you have the opportunity to                                                                                                                                     free travel on your next holiday.                           Beachcomber                               12.5%
purchase a bike or cycle accessories for yourself                                                                                                                               Select your next holiday from                               Club 18 - 30                              9.5% - 10.5%
or your immediate family at 15% discount from                                                                                                                                                                                               Club Med                                  13%
Halfords or on-line from Cycle Solutions.                                                                                                                                       ANY* tour operator brochure
                                                                                                                                                                                                                                            Cosmos                                    10% - 14%
                                                                                                                                                                                and with Lifestyle you're sure
                                                                                                                                                                                                                                            Cresta Holidays                           10% - 13%
                                                                                                                                                                                to make great savings. With
                                                                                                                                                                                                                                            Crystal Holidays                          10%
                                                                                                                                                                                over 750 brochures to choose                                First Choice                              10%
                                                                                                                                                                                from you'll be spoilt for choice.                           Hayes & Jarvis                            10%
                                                                                                                                                                                How to book                                                 Inghams                                   14%
                                                                                                                                                                                Once you have chosen your holiday call the                  Jetsave                                   10%
                                                                                                                                                                                Lifestyle hotline.                                          Kuoni                                     11%
                                                                                                                                                                                                                                            Leger Holidays                            10% - 16%
                                                                                                                                                                                                                                            Norwegian Cruise Lines                    15%
                                                                                                                                                                                * Tour operator must be ATOL/ABTA bonded.
                                                                                                                                                                                                                                            P&O Cruises                               12%


Cinema
                                                                                                                                                                                Excludes direct sell operators.
                                                                                                                                                                                                                                            Premier Holidays                          10% - 17%
                                                                                                                                                                                                                                            Sovereign Holidays                        10% - 12%
                                                                                                                                                                                                                                            Thomas Cook                               11%
                                                                                                                                                                                                                                            Thomson Holidays                          10%
                                                                                                                                                                                                                                            United Vacations                          10% - 15%
Fantastic savings are available                         These vouchers have no expiry date, so you          Due to the fast changing nature of the cinema industry, you are
                                                                                                            advised to check participating locations via the website prior to                                                               Virgin Holidays                           10% - 13%
for visits to the cinema                                can choose when to redeem them.                     making a purchase or setting out on your journey.

Watch the latest film releases in the comfortable       There is FREE postage and packaging and there       *(Savings based on average cinema entrance prices).
                                                                                                                                                                                Terms and Conditions: 1. Bookings must be made at least 14 days in advance of your proposed date of travel. You may use the offer for yourself, spouse (or
surroundings of your local cinema and enjoy a           are no charges for credit or debit card payments.   Terms and conditions apply, please see the website for full         partner) and for unlimited dependants. In addition you may use the travel offers for persons other than those named above provided you are travelling with them
superb saving of up to 30%*. With over 400                                                                  details.
                                                                                                                                                                                both on your outward and return journey. 2. Discount applies to prices as published in the operator’s brochure (including any published special offers e.g. early bird
participating cinemas nationwide, you'll be spoilt                                                                                                                              discounts) but cannot be applied to special internet offers that they may advertise from time to time. 3. Discount levels are subject to change without prior notice.
for choice!                                                                                                                                                                     For the latest discounts please refer to the mybenefits website www.personal-benefits.com/nwl. 4. Offer excludes direct sell operators e.g. James Villas, Portland
                                                                                                                                                                                Holidays. Offer also excludes optional extras e.g. excursions, attractions passes, lift passes etc. 5. Deposit/payment requirements will be advised at the time of
Simply order your vouchers in advance via the                                                                                                                                   booking. Cheques and Postal Orders should be made payable to: ‘P&MM Travel Limited’. Please note that charges will show as 'P&MM Travel Ltd' on your bank
Lifestyle hotline, stating which cinema you wish                                                                                                                                statement and a 1.5% charge for using your credit card will apply. 6. Bookings will occasionally need to be made by a P&MM representative over the telephone and
to visit. Then on arrival use your vouchers just like                                                                                                                           this may result in your details being taken and your call being returned.
a gift voucher to purchase either an adult or
child’s ticket.




19    Good things in water...                                                                                                                                                                                                                                                                                                     mybenefits        20
Holiday additions                                                                                                                                Virgin experience days
Make great savings on car rental and holiday extras.                                                                                             Save 20% on ALL Virgin                               There are lots of experiences with many
                                                                                                                                                 Experience Days.                                     different themes - from driving a Ferrari, to
Up to 13% off holiday extras                    Up to 12% off worldwide car rental                                                                                                                    feeding big cats or a day at a health spa.
• Receive 13% off airport parking               • 12% off Holiday Autos
  (Valet parking also available subject         Please note that charges will show as ‘P&MM
  to availability)                              Travel Ltd’ on your bank statement and a 1.5%



                                                                                                                                                 Travel insurance
• Receive 10% off airport lounges               charge for using your credit card will apply.
• Receive 12% off airport hotels and
  airport by rail travel



                                                                                                                                                 With Holiday Travel Insurance                          Cover                                          Maximum Sums Insured Per Person
                                                                                                                                                 from Rapidinsure you can rest

Kielder lodges
                                                                                                                                                                                                        Cancellation (Optional cover)                  £3,000
                                                                                                                                                 assured that you are protected                         Curtailment                                    £3,000
                                                                                                                                                 against the cost of most of the                        Missed Departure
                                                                                                                                                                                                        Travel Delay
                                                                                                                                                                                                                                                       £1,000
                                                                                                                                                                                                                                                       £100 (Abandonment £3,000)
                                                                                                                                                 mishaps that could happen to                           Personal Accident                              £10,000
                                                                                                                                                 you when you are on holiday.                           Medical Emergency Expenses                     £5,000,000
15% discount on Kielder Lodge bookings.                                                                                                                                                                 Medical Inconvenience Benefit                  £300
                                                The booking must be made in your name and          Wonderland combined lodge and ticket offer.                                                          Loss of Passport/Driving Licence               £250
For bookings from 1 April 2011 a 15% discount   the lodge occupied by you. The offer is not                                                      You can choose either a single trip or annual
                                                                                                                                                 multi-trip policy, both providing the wide range       Personal Public Liability                      £2,000,000
off the brochure price for Kielder Lodges is    transferable. The discount is offered on the
                                                                                                                                                 of benefits shown. Cover is available at very          Legal Expenses                                 £25,000
available to you as a Northumbrian Water        brochure price, and does not apply to promotions                                                                                                        Personal Property (Optional Cover)             £1,500 (Limits apply to certain articles)
employee.                                       or to combined packages, e.g. Winter                                                             competitive prices.
                                                                                                                                                                                                        Personal Money                                 £500 (Cash £200)
                                                                                                                                                                                                        Delayed Baggage
                                                                                                                                                 All trips must start and finish in the UK, involve       Over 24 hours                                £250




Hotels & short breaks
                                                                                                                                                 at least one pre-booked overnight stay and               12 to 24 hours                               £100
                                                                                                                                                 must not last more than 31 days.                       Winter Sports (Optional Cover)
                                                                                                                                                                                                          Ski Equipment                                £750 (Single article limit £150)
                                                                                                                                                 Simply visit the website or call the number              Ski Hire                                     £300
                                                                                                                                                 below to purchase this benefit.                          Delayed Ski Equipment                        £100
                                                                                                                                                                                                          Ski Pack                                     £250
                                                                                                                                                                                                          Piste Closure                                £300
Guaranteed savings from 10% up to 60% on hotels and short breaks worldwide.                                                                      If your travel plans are not restricted to               Avalanche                                    £150
                                                                                                                                                 short-stay holidays, check the Rapidinsure
HotelStayUK works with major UK and             • Hotels in city, town, coastal and                                                                                                                     All benefits are subject to the terms, conditions and exclusions of the policy
                                                                                                                                                 website - they can also arrange cover for
worldwide hotels to provide hotel and short       countryside locations                                                                          groups, backpackers and business trips.
breaks.                                         • Fantastic last minute deals
They can offer:                                 • Discounts at major hotel groups                                                                All benefits quoted are valid at 10 January
                                                                                                                                                                                                       Rapidinsure.co.uk Limited is an appointed representative of Berkeley Morgan Limited which is authorised and regulated
• 45,000 hotels in the UK, Europe               • Easy-to-use website                                                                            2011 but may subsequently change                      by the Financial Services Authority. Rapidinsure.co.uk Limited (registered in England and Wales No 3870327).
  and worldwide                                 • Advice and booking line                                                                        without notice.                                       Registered address, John Ormond House, 899 Silbury Boulevard, Central Milton Keynes MK9 3XL.



21    Good things in water...                                                                                                                                                                                                                                                                          mybenefits          22

				
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