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User Guide - Ulster Bank

1. Personal Liability im Conditions You must give ufirst Private Travel Insurance notice of any cause for a legal claim against you as soon as you know about it and send them any other documents relating to any claim What you are not covered for Any liability arising from an injury or loss or damage to property a owned by you a member of your family or household or a person you employ or b in the care custody or control of you or of your family or household or a person you employ 100 Conditions If we accept your claim we or a solicitor we appoint will try to negotiate a settlement without having to go to court the start of the trip un a We can refuse to pay any more legal costs if it is no longer more likely than not that you will be 3 successful with your claim a 50 000 What you are not covered for 15 7 Any claim you report to us more than 180 days after the date you knew about or should have gt known about the incident leading to the claim Any claim resulting from any illness or injury that develops gradually or is not caused by a specific or sudden accident Legal costs and expenses that you have paid or will have to pay before we have agreed to them Inner Limits Valuables 150 a Single article limit 100 oD Essential items replacement 100 D Theft from unattended motor vehicles 75 pe Replacement passport and t
2. Overdrafts are repayable on demand Your debit balance should not exceed your arranged overdraft limit If your account overruns without formally agreeing an arranged overdraft or you exceed your arranged overdraft limit this is called an Unarranged Overdraft When this happens you will incur Unarranged Overdraft interest as well as the Maintenance Charge You may also have to pay the Paid Referral Fee and the Guaranteed Card Payment Fee For full details of the interest and charges please see our A Guide to Personal Account Fees and Interest brochure How to apply If you would like to apply for a higher arranged overdraft limit please contact the Private Banking Support team for details Lending criteria terms and conditions apply Credit facilities are available to over 18s only For more information please refer to our A Guide to Personal Account Fees and Interest brochure TICKET BOOKING Enjoy 15 cash back on tickets for the theatre dance opera concert performances sporting events and more throughout Northern Ireland the Republic of Ireland and the rest of the UK ufirst Private gives you access to live entertainment at reduced prices Get 15 cash back for as many events as you like within the UK and Ireland The cash back will appear in your online cash back summary within five days of booking subject to a successful payment transaction and will be paid into your ufirst Private account within 30 days of your booking How to
3. 1179980 Ulster Bank Limited Registered in Northern Ireland Registration Number R733 Registered office 11 16 Donegall Square East Belfast BT1 5UB Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority and entered on the Financial Services Register Registration Number 122315 Calls may be recorded Mobile Phone Insurance Policy Document ufirst Private Account Mobile Phone Insurance Terms 1 Introduction These are the terms and conditions for your ufirst Private Account Mobile Phone Insurance underwritten by Aviva Insurance Limited Registered in Scotland company number 2116 Registered Office Pitheavlis Perth PH2 ONH Authorised and regulated by the Financial Services Authority number 202153 we us our These terms and conditions give you full details of what is covered what is not covered and the limits and conditions of cover Please read these terms and conditions carefully and keep them in a safe place You must comply with these terms and conditions If you do not comply we may refuse cover in the event of a claim Whilst we are the insurer of this policy and will remain liable to you under the terms and conditions of this policy we will use members of the Carphone Warehouse Group as our agents in order to help 2 Definitions These are words and phrases with special meanings and they will be shown in bold wherever th
4. Telephone 0800 023 4567 or 0300 123 9 123 You can visit the FOS website at www fos org uk The FOS will contact us for you The FOS will tell you its decision direct Being referred to the FOS will not affect your legal rights If you are a business and for any reason your complaint falls outside of the jurisdiction of the FOS then we will still respond to your complaint but if we cannot sort out the differences between us you will not be able to refer the matter to FOS However this will not affect your egal rights Hospital treatment abroad If you go into hospital abroad and you are likely to be in hospital for more than 24 hours someone must contact our assistance services for you immediately If they do not this could mean we will provide no cover or we reduce the amount we pay for medical expenses If you receive medical treatment abroad as an outpatient you should pay the hospital or clinic and claim back your medical expenses from our assistance services when you return to the United Kingdom Republic of Ireland or Channel Islands Returning early to the United Kingdom Republic of Ireland or Channel Islands If you have to return home under section A Medical and other expenses section B Sending you home in an emergency or section G Cancelling and cutting short your holiday our assistance services must authorise this If they do not this could mean that we will not provide cover or we may reduce the amou
5. as set out in this notice n the case of personal data with limited exceptions and on payment of the appropriate fee you have the right to access and if necessary rectify information held about you n assessing your application now or at renewal we or our agents may undertake checks against publicly available information such as electoral roll county court judgments bankruptcy orders or repossessions Similar checks may be made in assessing any claims made nformation may also be shared with other insurers either directly or via those acting for us such as loss adjusters or investigators Sensitive Data n order to assess the terms of the insurance contract or administer claims that arise we may need to collect data that the Data Protection Act defines as sensitive such as criminal history By proceeding with this insurance you will signify your consent to such information being processed by us or our agents 13 Fraud If you make a claim under this policy knowing the claim to be dishonest or intentionally exaggerated or fraudulent in any way or if you give any false declaration or statement to support the claim we will not pay the claim we may cancel this mobile phone insurance and we will pass details to Ulster Bank who may at their discretion close your ufirst Private Account We reserve the right to tell the police about any dishonest claim All policy cancellations will be confirmed in writing to you within 30 d
6. you must provide evidence from their network provider of the credit available at the time of loss or theft or proof of their most recent top ups What will we pay The most we will pay for all unauthorised use as a result of any valid claim is 3 000 for pay monthly contracts or 100 for pay as you go arrangements These limits include any taxes or charges made by the network provider What is not covered 1 Any claim for unauthorised use where you have not made a successful claim for the loss or theft of the phone 2 Costs incurred due to unauthorised use which do not appear on a bill from the network provider or where you are unable to provide evidence of the credit available or most recent tops ups on a pay as you go arrangement 3 Any claim for unauthorised use where the loss or theft was not reported to the network provider within 24 hours of the user discovering the loss or theft 48 hours if the user is abroad at the time of the loss or theft 4 Anything mentioned in section 9 General Exclusions 8 General Conditions These are conditions that apply to the whole policy 1 We strongly recommend registering the phone at the start date or when a new phone is purchased If the phone has not been registered before a claim is made registration will need to be carried out at that time Please refer to section 3 Registering your phone for full details 2 If we have reasonable grounds to believe that you have intent
7. 556 8555 or Textphone 0845 900 5960 Your electronic information If you contact us electronically we may collect your electronic identifier e g Internet Protocol IP address or telephone number supplied by your service provider How we use your information and who we share it with We will use your information to manage your insurance policy including underwriting and claims handling This may include disclosing it to other insurers third party underwriters and reinsurers Your information comprises of all the details we hold about you and your transactions and includes information obtained from third parties We may use and share your information with other members of the Group to help us and them assess financial and insurance risks recover debt prevent and detect crime develop our services systems and relationships with you understand our customers requirements develop and test products and services We do not disclose your information to anyone outside the Group except where we have your permission or where we are required or permitted to do so by law or to fraud prevention agencies and other companies that provide a service to us or you or where we may transfer rights and obligations under this agreement We may transfer your information to other countries on the basis that anyone to whom we pass it provides an adequate level of protection However such information may
8. EC reciprocal health agreement EHIC 2 Any treatment or surgery which our assistance services thinks is not immediately necessary and can wait until you return home 3 Any expenses for treatment or surgery carried out more than 12 months after the date of the incident which you are claiming for 4 The extra cost of single or private room accommodation unless it is medically necessary 5 Any treatment or medication of any kind that you receive after you return home 6 Any extra costs after the time when in our medical adviser s opinion you are fit to be returned home 7 Any treatment or help where given your physical or mental condition you should not have travelled or it would have been reasonable for you to have consulted your medical practitioner prior to you booking or taking the trip about whether or not it was appropriate for you to travel 8 For the cost of any phone calls other than necessary calls to our assistance service Please read the general conditions and exclusions Section C Personal accident What you are covered for We will pay up to 20 000 to you or your executors or administrators if you are involved in an accident which causes you an injury which results in you becoming disabled within 12 months of the date of the accident for one of the following a Permanent total disability b Loss of a leg or foot c Complete loss of use of an arm or hand If you die we will pay 4 000 700 for ch
9. Private dedicated support team e adedicated relationship manager As with most clubs there is a monthly account Dal Sn u fee The Private Current Account fee is currently e ufirst Private additional benefits 15 a month As with most clubs there is a monthly account fee The ufirst Private account fee is currently 25 a month Also please visit our Members Website at www ufirstaccount co uk PRIVATE CURRENT ACCOUNT The Private Current Account offers you a branded chequebook and serviceCARD as well as the expertise of your very own dedicated relationship manager and a dedicated support team They will reduce as far as possible the time you need to spend dealing with money matters As a Private Current Account customer you will also have access to a number of banking benefits such as a preferential credit rate of interest which will automatically be paid into your account You will also have access to the Private Reserve Savings Account which pays one of our highest rates of interest and offers easy access to your funds We explain these in more detail under the banking benefits section ufirst PRIVATE CURRENT ACCOUNT With our premium current account ufirst Private you will get your very own dedicated relationship manager and a support team You can also benefit from the following additional benefits Interest free Arranged Overdraft buffer Cash back on Ticket Booking Mobile Phone Insurance Annual Worldwide Family Travel I
10. a qualified diving instructor SCUBA diving when diving beyond a depth of 30 metres Bungee jumping Professional sports Legal Costs The professional fees and expenses reasonably and necessarily charged by your solicitor in proportion to the value and complexity of your claim We will also pay costs which you are ordered to pay by a court or other organisation and any other costs we agree to in writing The most we will pay will be 50 000 for any claim or claims arising from any one incident Partner A person living with the Account holder as though married Permanent total disability A disability which prevents you from working in any job and which lasts 12 months and at the end of those 12 months is in our medical adviser s opinion not going to improve Personal Money Cash travellers cheques letters of credit travel tickets lift passes hotel vouchers passports and green cards held for social and domestic purposes Public transport Using train bus or coach services to join the booked holiday Relative Husband wife parent parent in law grandparent grandchild brother sister son daughter fianc or fianc e Ski equipment Skis poles boots and bindings snow boards or ice skates owned or hired by you Solicitor Any suitably qualified person appointed to represent you under this section E Trip A trip abroad which starts when you leave your home address in your country of residence and ends wh
11. any endorsement are to be read as one document and any word or expression used with a specific meaning in any of them has the same meaning wherever it appears The conditions which appear in the policy or in any endorsement are part of the contract and must be complied with Failure to comply may mean that claims will not be met From time to time it may be necessary for us to alter your travel insurance policy When this situation arises you will be advised accordingly Any such alteration will only apply to trips booked by you from the time of receipt of that advice or some other future specified date Please note that upon surrender termination or cancellation of your ufirst Private account the benefits under this travel policy will no longer be available to you Schedule of insured persons The following people are entitled to cover under this policy 1 Any Account holder 2 The Account holder s partner 3 The Account holders dependent children Please refer to The Meaning of Words on pages 38 to 39 and also General Conditions and Exclusions on pages 39 to 40 Medical Warranty This policy doesn t cover any claims relating directly or indirectly to any pre existing medical conditions relating to the insured person or anyone upon whom the trip depends A pre existing medical condition is a any medical condition which the insured person was aware of at the time of booking the trip b receiving day or in patient treatment or is
12. are travelling to receive medical advice or treatment you are on a hospital waiting list waiting for treatment or you have been given a terminal diagnosis Any claim resulting from you being under the influence of or in connection with the use of alcohol or drugs General Conditions and exclusions Inner Limits Emergency dental treatment 150 Body or ashes repatriation 2 000 If you go into hospital you must tell Ulster Bank ufirst Private Travel Insurance immediately 10m 35 Medical and other expenses Medical and other expenses 10m What you are not covered for Any treatment or surgery which our assistance service thinks is not immediately necessary and can wait until you get home Any expenses for treatment or surgery carried out more than 12 months after the date of the incident which you are claiming for An anticipated event Any costs after the time when in our medical advisers opinion you are fit to be returned home Any treatment or help where given your physical or mental condition you should not have travelled or it would have been reasonable for you to have consulted your medical practitioner prior to you booking or taking the trip about whether or not is was appropriate for you to travel 35 Sending you home in an emergency fim What you are covered for We will pay up to the overall limit shown to return home if our assistan
13. assistance services 5 Expenses for one relative or friend to travel from the United Kingdom Republic of Ireland or Channel Islands to stay with you and travel home with you if this is necessary due to medical advice and authorised by our assistance services 6 The extra cost for you to return home following the death serious injury or serious illness of a relative or business colleague Part 2 Emergency Medication for Pre existing Medical Conditions If we have confirmed in writing cover for a pre existing medical condition we will pay up to 250 towards any expenses incurred in obtaining any associated medication which you take on a trip that is lost or stolen we will not pay claims where you forgot to take the medication with you Part 3 Physiotherapy We will pay up to 350 if following a bodily injury you make a valid claim under part one of this section and you require further physiotherapy treatment on your return to the UK This is not a private medical insurance If you require emergency treatment you must inform the assistance service immediately otherwise we may be unable to pay your medical expenses If you need more than simple outpatient treatment of the sort you can pay for locally you should call the assistance service for help and advice What you are not covered for 1 The first 35 of each claim for each person except for claims under section A Medical and other expense only if you
14. be accessed by law enforcement agencies and other authorities to prevent and detect crime and comply with legal obligations From time to time we may change the way we use your information Where we believe you may not reasonably expect such a change we shall write to you If you do not object to the change within 60 days you consent to that change Sensitive information Some of the personal information we ask you for may be sensitive personal data as defined by the Data Protection Act 1998 such as information about health or criminal convictions We will not use such sensitive personal data about you or others except for the specific purpose for which you provide it and to provide the services described in your policy documents You will have been asked to agree to this when you called but please ensure that you only provide us with sensitive information about other people with their agreement Bysigning your credit agreement you are agreeing to this Dealing with other people t is our policy to deal with your spouse or partner who calls us on your behalf provided they are named on the policy If you would like someone else to deal with your policy on your behalf on a regular basis please let us now In some exceptional cases we may also deal with other people who call on your behalf with your consent f at any time you would prefer us to deal only with you please let us know Fraud prevention and detection Plea
15. days a week and allows customers who find this convenient to contact us via a Typetalk Operator who will relay instructions and other requests verbally to our call centre staff Please note that to use Typetalk Relay you must have or be able to get access to a textphone If so just dial 18001 and then dial our number once the call is connected a Typetalk Operator will join the call to relay your message Our responses will then appear as text on your textphone For Typetalk please call 18001 0845 607 2538 For all other services including requests for Braille large print or audio versions of any of our documents please call 0845 607 2538 In all cases we will be happy to help Telephone Call Recording For your and our joint protection telephone calls may be recorded and or monitored Use of Language Unless otherwise agreed the contractual terms and conditions and other information relating to this contract will be in English Travel Insurance Certificate and Policy Document Inclusive Annual Worldwide Family Travel Insurance Certificate of insurance Policy number UF2109 Important You can only access benefits whilst you are a ufirst Private Current Account Holder Please ensure you take this travel insurance certificate and policy with you when you travel It is recommended you read the policy booklet carefully before you travel General Provisions The policy is evidence of the contract between you and us The policy and
16. have a refund of the cost under the terms of the European Health Insurance Card EHIC 2 Any treatment or surgery which our assistance services thinks is not immediately necessary and can wait until you return home 3 Any expenses for treatment or surgery carried out more than 12 months after the date of the incident which you are claiming for 4 The extra cost of single or private room accommodation unless it is medically necessary 5 Any treatment or medication of any kind that you receive after you return home An anticipated event T Any extra costs after the time when in our medical adviser s opinion you are fit to be returned home 8 Any treatment or help where given your physical or mental condition you should not have travelled or it would have been reasonable for you to have consulted your medical practitioner prior to you booking or taking the trip about whether or not it was appropriate for you to travel 9 For the cost of any phone calls other than necessary calls to our assistance services Section B Sending you home in an emergency What you are covered for We will pay up to 1 000 000 to return you home if our assistance services think this is medically necessary and they arrange this for you What you are not covered for 1 The first 35 of each claim for each person except for claims under section A Medical and other expense only if you have a refund of the cost under the terms of the
17. marine equipment and craft and their accessories 4 Wear and tear loss of value mechanical or electrical breakdown or damage caused by any process of cleaning repairing or restoring or damage caused by leaking powder or fluid carried within your baggage 5 Shortages due to mistakes or neglect Any loss or theft which you do not report to the police within 24 hours of discovering it and which you do not get a written acknowledgement for 7 If your belongings are delayed or held by any customs or other officials legally taking your belongings 8 Cash which you do not carry on your person unless it is held in a safety deposit box or safe that is not in your hotel room or apartment 9 Theft loss or damage to photographic electrical equipment electrical items or jewellery not carried in your hand baggage while you are travelling 10 Theft loss of or damage to dentures bridgework corneal lenses spectacles sunglasses or artificial limbs or hearing aids 11 Any item set or pair worth more than 50 which you haven t got an original receipt or insurance valuation for before the loss 12 Property you leave unattended in a public place 13 Any loss theft or damage to items carried on a vehicle roof rack 14 Theft loss or damage to baggage or personal belongings during a journey unless you report this to the carrier and get a property irregularity report at the time of the loss 15 Damage caused to suitcases holdalls or sim
18. must supply written confirmation from the contractor that the work was urgently required as well as a breakdown of the costs incurred and any receipts for expenses you pay Part 4 Recuperative Holiday If you make a claim under Section A Medical and other expenses and we subsequently pay for you to cut short that trip following your hospitalisation abroad of at least 5 full days we will pay for you to take a recuperative holiday within 3 months of the original incident whether in the UK or abroad subject to a maximum of 1 000 for accommodation and travel expenses only Any associated costs such as travel insurance food or clothing are not covered by this section You should contact the assistance service as soon as you become aware of any reason why the journey may need to be cut short if you don t we may be unable to pay your claim Please refer to the Medical and other expenses Section A for advice on relatives staying with you or travelling to you if medically necessary Claims conditions In addition to anything mentioned in the general conditions we will only pay 1 For travel and accommodation expenses which you have pre paid or contracted to pay at the time you realise a claim may be made 2 Claims that are a result of an accident or illness when a medical practitioner confirms in writing that cutting short your trip is medically necessary 3 Refunds for cutting short your trip which have been calculated b
19. on a waiting list for day or in patient treatment receiving a terminal prognosis d intending to travel against the advice of a qualified medical practitioner e travelling to obtain medical treatment Geographical areas This policy provides cover for anywhere in the world except where the UK Foreign and Commonwealth Office advises against all travel To check if your destination is subject to any warnings visit www fco gov uk or call 44 207 008 0232 0233 Note We only provide cover for travel within the United Kingdom Republic of Ireland or Channel Islands if you stay for at least two nights in pre booked accommodation at least 25 miles away from where you usually live Insurers Ulster Bank ufirst Private Travel Insurance is underwritten by U K Insurance Limited U K Insurance Limited U K Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority Registered Office The Wharf Neville Street Leeds LS1 4AZ Registered No 1179980 Important Information Your Right to Cancel f this cover does not meet your requirements please return all your documents to U K Insurance Limited PO Box 106 37 Broad Street Bristol BS99 7NO within 14 days of receipt We will return any premium paid in full provided you have not travelled or made a claim on the policy during that time You may cancel this insurance at any time by return
20. paid to you at the time of the purchase of the icket s if the event that the ticket s were purchased for is cancelled If we are going to debit the Cash back value from your ufirst Private account ufirst Private Membership Services will write to you giving no less han 28 days notice of the date this debit will be made along with the account details from which it will be taken and the amount CUSTOMER SERVICE ufirst Private Membership Services must be contacted for all booking related queries complaints and claims Please write to Customer Services Manager ufirst Private Membership Services Sentinel House Airspeed Road Portsmouth PO3 5RF or call Ulster Bank Private Membership Services on 0345 607 2538 If telephoning your call may be recorded for quality and training purposes Any complaint regarding an event that you attend must be brought to the attention of the venue management as early as possible during the event and if not resolved to your satisfaction should be notified to Ulster Bank Private Membership Services on 0345 607 2538 Initial Disclosure Document a keyiacts about our insurance services Ulster Bank Limited 11 16 Donegall Square East Belfast BT1 5UB The FCA is the independent watchdog that regulates financial services Use this information to decide if our services are right for you We offer products from a range of insurers We only offer products from a limited number of insu
21. personal loans 2 Interest free overdraft 2 1 Each ufirst Private Current Account holder can apply for an authorised interest free overdraft limit marked Whilst the balance of your ufirst Private Current Account remains either in credit or within the interest free overdraft limit debit interest will not be charged Details of the level ofthe interest free overdraft are given in our booklet A Guide to Personal Accounts Fees and Interest available from any Ulster Bank branch 2 2 If the balance of your account exceeds the interest free overdraft limit without prior arrangement debit interest at the Bank s authorised overdraft interest rate will apply to the whole overdrawn balance and surcharge interest will apply to the balance over the interest free overdraft limit 3 Transaction Fees Covered 3 1 ufirst Private Current Account is free from all transaction fees whether the account is in credit or debit These charges include Cheques ATM withdrawals from a cash machine owned by Ulster Bank Easy Cash Royal Bank of Scotland or Natwest in the UK you will not be charged There are some cash machines in the UK where the owner of the machine may charge a fee Visa Debit transactions Direct debits Standing Orders automated lodgements or withdrawals and non automated lodgements and withdrawals Charges for additional services will continue to apply Ticket Booking Service These terms and conditions govern the ufirst Private
22. the user in the event of breakdown theft loss or damage during the period of insurance subject to the terms and conditions of this policy The maximum number of claims we will pay on your ufirst Private Account is four in any 12 month period The phone will be covered whilst the user is temporarily outside the UK providing the user remains a permanent UK resident 6 The Phone What is covered The phone is insured against breakdown theft loss and damage during the period of insurance whilst it is being used by the user subject to the terms and conditions of this policy 1 In the event of a valid claim we will provide a replacement phone 2 If we replace the phone we will also replace any accessories if they suffer breakdown theft loss or damage at the same time Claims Conditions 1 The user must report theft to the police as soon as reasonably possible after discovering the theft and must obtain a crime reference number from the police 2 You must provide us with the IMEI number of the phone when you claim In the event of a claim for damage or breakdown this will be verified during the replacement process 3 Where possible the replacement phone will be the same make and model as the original phone 4 Where it is not possible to replace the phone with one of the same make and model we will provide an alternative replacement phone which in our reasonable opinion will be of at least equivalent technical spe
23. the time to the carrier and get a property irregularity report Condition It is a condition of the cover provided under this section that 1 We take any payment made under this section from any claim under sub section F1 Personal belongings and baggage of this insurance Please read the general conditions and exclusions Section N Ski pass What you are covered for We will pay up to the proportionate value of any ski pass unused following loss or theft The conditions and exclusions applying to section F Personal belongings baggage and money will also apply to this section Note We will take any amount we pay under this section from any amount we pay under section F Personal belongings baggage and money Please read the general conditions and exclusions Section O Replacing staff What you are covered for We will pay you or your employer up to 5 000 if a claim arises under section A Medical and other expenses which prevents you from going to a planned business meeting We will pay the reasonable and necessary travel and accommodation expenses for a replacement business associate to travel from the United Kingdom Republic of Ireland or Channel Islands to go to the meeting What you are not covered for 1 The first 35 of each claim for each person Please read the general conditions and exclusions Section P Business samples and documents What you are covered for We will pay up to 1 000 for business s
24. time as your phone e The excess for this policy is 75 Main Exclusions e Maximum of 4 claims in any 12 month period a 75 excess applies for each claim e Our replacement phones are refurbished models All replacement phones supplied by us will come with a 12 month warranty from our supplier e Loss or theft must be reported to your network provider within 24 hours of discovery for unauthorised use claims to be considered e All claims must be reported to the insurer within 60 days e Any costs relating to cosmetic enhancements that have been made to the phone such as plating or embellishment will not be paid e You must take all reasonable precautions to prevent damage theft and loss e To be eligible for this benefit you must be a resident of the UK More information on worldwide mobile phone insurance The insurance is only in force for as long as you have your ufirst Private Current Account and remain a permanent resident in the UK You are automatically covered by this insurance you should register your phone as soon as possible You can register online at www ufirstaccount co uk or by phone 0345 607 2538 Conditions apply to this insurance Please ensure you read the ufirst Private Account Mobile Phone Insurance Policy Summary on pages 25 and 26 and Mobile Phone Insurance Policy Document on pages 31to 36 of this brochure for full details of the cover limits and conditions of cover WORLDWIDE AIRPORT LOUNGE ACCESS Whereve
25. ufirst Private Travel Insurance as soon as possible of your trip ending If you do not we may not be able to pay your claim If you wish to register a claim please ring us on 0870 609 2043 from NI 44 1252 745 694 or write with a brief description of your claim to The Claims Manager U K Insurance Limited 4th Floor 17 Quay Street Manchester M3 3HN Ulster Bank ufirst Private Travel Insurance are open every weekday and will send you a claim form as soon as you tell them about your claim To help us prevent fraudulent claims we store your personal details on computer and we may transfer them to a centralised system We keep this information according to the rules of the Data Protection Act 1998 The Meaning of Words Wherever the following words or phrases appear in this policy they will always have the meanings shown under them Abroad Outside your country of residence Account holder Any individual who holds an Ulster Bank ufirst Private Current Account Anticipated event Any event or occurrence which you or your relative knew would occur or could have been reasonably expected to occur during your trip and which you or your relative were aware of at the time of booking the trip Business associate Any person who works at your place of business and who if you were both away from work at the same time would prevent the business from running properly Country of residence United Kingdom Republic of Ireland
26. use your information Where we believe you may not reasonably expect such a change we shall write to you If you do not object to the change within 60 days you consent to hat change f you would like a copy of the information we hold about you please write to your branch A fee may be payable Credit Reference Agencies 1 We make periodic searches at credit reference agencies and will provide information to the Group to manage and take decisions about your accounts This may include information about how you manage your account including your account balance credit limit and any arrears We will also provide this information to credit reference agencies who may make this information available to other organisations so that they can take decisions about you your associates and members of your household The information may also be used for tracing purposes Fraud Prevention Agencies 12 If false or inaccurate information is provided and fraud is identified or suspected details may be passed to fraud prevention agencies Law enforcement agencies may access and use this information We and other organisations may also access and use this information to prevent fraud and money laundering for example when checking applications for and managing credit or other facilities and recovering debt checking insurance proposals and claims checking details of job applicants and employees We and other organisation
27. you by Ticketmaster with the box provided to you when returning to the ufirst Private Tickets Service pages on the website ufirstaccount co uk For bookings made online it may be possible 20 o purchase tickets sold through Ticketmaster 21 partner sites these bookings will not be eligible for cash back You will be notified when tickets are being sold by partner sites TICKET CONCIERGE SERVICE To enquire about tickets not available online or to 22 make a query about the Service you may call ufirst Private Membership Services on 0345 607 2538 between the hours of 8am to 10pm Monday to Sunday 364 days a year excluding Christmas Day to speak to a Ticket Concierge Service adviser about an event 23 or events for which you would like to buy tickets If it is not possible to provide the requested information immediately or book your tickets 24 immediately the Tickets Concierge Adviser will make enquiries and contact you within 13 business hours with the outcome or status of the enquiry where business hours are between 9am and 5pm Monday to Friday excluding Bank Holidays The Ticket Concierge Service will try to accommodate 25 any specific request you may have by sourcing a supplier for the desired event tickets however success cannot be guaranteed You will be contacted within 26 13 business hours of receiving your instruction to make the search to tell you if they have not succeeded in finding a source of the tickets for yo
28. your network provider in accordance with the policy terms You will need to pay the first 75 of each claim made on this policy This is known as the excess You must take all reasonable precautions to prevent loss theft or damage Accessories are only covered if they have been lost stolen or damaged at the same time as the phone We will not pay any costs relating to cosmetic enhancements such as plating or embellishment with precious metals stones or crystals There is no cover for any phone manufactured wholly or substantially from precious metals stones or crystals There is no cover if the phone is being used by someone other than the account holder or family member has been deliberately left unattended and unsecured There is no cover for theft or loss of the phone from an unattended vehicle unless the phone has been placed in a locked boot concealed luggage compartment or closed glove box of a securely locked vehicle that has been broken into using force and violence There is no cover for damage caused by general wear and tear or damage that does not affect how the phone works We will not pay any claim where you are unable to provide the IMEI number of the phone the IMEI number cannot be verified by us or the IMEI number provided belongs to a phone that has previously been reported as lost or stolen Where requested you will be required to provide such information documents or receipts reason
29. 45 607 2538 or from outside the UK call 00 44 2392 676 573 Lines are open Monday to Sunday 8am 10pm except Christmas Day To book online log on to Call costs from networks may vary Calls from mobile phones may not be free Calls may be recorded ANNUAL WORLDWIDE FAMILY TRAVEL INSURANCE On your next holiday it s good to know you re automatically covered when you open your ufirst Private account See what s protected when you re a ufirst Private customer ufirst Private gives you and your family multi trip worldwide travel insurance of up to 31 days per trip that covers you all year round This also includes up to 17 days winter sports cover per year Worldwide Travel Insurance is underwritten by U K Insurance Limited U K Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority Registered Office The Wharf Neville Street Leeds LS1 4AZ Registered in England and Wales Registered No 1179980 Main Exclusions e The maximum trip duration is 31 days e Winter sports cover is restricted to 17 days per year e Dependent children over 18 or over 23 in full time education are not covered under this policy e Travel within the UK ROI or Channel Islands is only covered if you stay at least 2 nights in pre booked accommodation at least 25 miles away from where you usually live e You must live in the UK Republic of Ireland or Ch
30. F Personal belongings baggage and money if you already have a more specific insurance covering this You if at the time of loss damage or liability arising under this insurance there is any other insurance covering the same loss damage or iability We will only pay our share Loss destruction or damage directly caused by pressure waves resulting from any aircraft or other flying object travelling at or above the speed of sound Any claim arising from you being in or entering or eaving any aircraft other than as a fare paying passenger in a fully licensed passenger carrying aircraft Any claim using a two wheeled motor vehicle over 25cc unless you have a full clean motor cycle licence for at least 3 years and you are accident and conviction free Claims and losses that are not directly associated with the incident that caused the claim For example loss of earnings due to being unable to return to work following injury or illness happening whilst on a trip or the cost of replacing locks in the event that keys are lost whilst on a trip 1 Any claim arising directly or indirectly from financial problems 2 Any claim resulting from the tour operator airline or any other company firm or person becoming insolvent or being unable or unwilling to fulfil any part of their obligation 13 Any claim arising or resulting from you being involved in any illegal or criminal act 14 Any claim arising or resulting fr
31. Inclusive Annual Worldwide Family Travel Insurance will be appropriate for eligible customers who wish to ensure that they and their family are covered for worldwide travel As a ufirst Private account holder you automatically qualify for this benefit Mobile Phone Insurance Policy The Mobile Phone Insurance policy provides insurance cover for eligible customers against loss theft damage breakdown and unauthorised use You can cover up to four mobile phones per account for account holders and family members living at the same address In the event of a claim you will receive a replacement handset Replacement handsets are refurbished models Where is it not possible to provide a phone of the same model an alternative phone will be provided which will be of at least the equivalent technical specification Once your account is active you are automatically covered by this insurance however we strongly recommend you register the phone with us as soon as possible We will need the IMEI number of the phone before we can deal with a claim so the claims process will be easier if we have this on record It s simple to register you can do so by calling ufirst Membership Services on 0345 607 2538 or Registering online via http www ufirstaccount co uk Ulster Bank is not making a personal recommendation based on your individual circumstances that these policies are suitable for your needs and we recommend that you read the Policy Summaries and encl
32. PRIVATE BANKING USER GUIDE Private Banking Introduction to Private Banking 1 ufirst Private benefits 2 Mobile Phone Banking and Alerts Services 3 Anytime Internet and Telephone Banking Terms and conditions Welcome to Private Banking The ufirst Private account will be available to new customers from 22 September 2014 Ulster Bank believes in helping you get the most from life so with that in mind we have designed Private Banking to help you manage your personal banking when and where you want leaving you free to focus on the things that really matter Private Banking offers a more personalised approach to managing your money It brings you a wide range of attractive benefits and products designed to improve many other important areas of your life Private Banking puts you at the heart of banking With the support of your own dedicated relationship manager and a dedicated support team we have designed Private Banking to take care of all your personal banking needs As a Private Banking customer you have access to our exclusive current accounts Inside this guide you ll find all the information you need to help you make the most of your Private Current Accounts The Private Current Account offers a branded Along with the personal touch that s unique chequebook and serviceCARD as well as the to Private Banking you get all the benefits of expertise of your relationship manager andthe our premium current account ufirst
33. Private monthly account fee Ulster Bank is not making a personal recommendation based on your individual circumstances that these policies are suitable for your needs and we recommend that you read the Policy Summaries and enclosed Policy Documents carefully WHAT IF NEED TO MAKE A CLAIM Annual Worldwide Family Travel Insurance To notify U K Insurance Limited of a claim in the first instance please telephone 0870 609 2043 You will need to provide your Name Address and the Account Number of your ufirst Private account through which your insurance was arranged Mobile Phone Insurance Ifthe phone is lost or stolen the user must contact their network provider as soon as they discover the loss but no more than 24 hours from discovery 48 hours if the user is abroad at the time of the loss We may refuse to pay any unauthorised use claim if the user fails to do this Ifthe phone is stolen the user should report it to the police as soon as reasonably possible and get a crime reference number from them we will ask you for this when you claim You must tell us about any claim within 60 days of discovering the theft loss damage or breakdown Ifthe incident happens abroad we won t replace the phone until the user returns home To make a claim please Visit www ufirstaccount co uk Or call 0345 607 2538 The Law Applicable You and the Insurers have a legal right to choose which law will apply to these contracts However th
34. Tickets Service the Service which is available to you as a ufirst Private account holder If you cancel your ufirst Private account you will no longer be eligible to use the Service The Service is provided by Affinion International Limited which simply acts as an agent in sourcing tickets for the event of your choice in respect of which you will receive a 15 cash back refund on up to four tickets per event booked when the booking is made These terms and conditions govern Affinion International Limited s relationship with you GENERAL 1 The ufirst Private Tickets Service is provided by Affinion International Limited Affinion registered office Charter Court 50 Windsor Road Slough SL1 2EJ No 1008797 2 As a ufirst Private account holder you will receive a 15 Cash back Refund Cash back on all tickets purchased via the Service up to a maximum of four tickets per event 3 You must be included in the party attending the event to qualify for the Cash back benefit Tickets must not be re sold If it comes to Affinion s attention that either of these conditions has not been complied with Affinion reserve the right to withdraw the use of the Ticket Booking Service from you ONLINE BOOKINGS 4 Bookings may be made online via the dedicated ufirst Private Tickets Service pages of the website via www ufirstaccount co uk These pages are provided by Ticketmaster UK Limited Ticketmaster registered offic
35. ably necessary to support and or verify your claim Unless you exercise your right to cancel the policy will remain in force as long as you have a ufirst Private account and remain a permanent resident in the UK As your circumstances may change over time it is important you review the terms and conditions of your ufirst Private Mobile Phone insurance regularly to ensure that the cover remains adequate for your needs We strongly recommend that you register your phone as soon as possible If the phone has not been registered before a claim is made registration will need to be carried out at that time It s simple to register do this by visiting www ufirstaccount co uk or calling 0345 607 2538 Important steps you need to take Report loss or theft to your network provider within 24 hours of discovery 48 hours if you are abroad at the time Tell us about any claim as soon as possible but always within 60 days of discovery If you need to make a claim either Go online through www ufirstaccount co uk or Call 0345 607 2538 If you have not registered your mobile phone details you will need to register before you claim Our phone lines are open Monday to Friday 08 00 20 00 Saturday 09 00 18 00 Sunday 10 00 17 00 Bank Holidays 10 00 18 00 closed on Christmas Day You have a statutory 14 day period in which to cancel the ufirst Private Mobile Phone Insurance This period b
36. ails of job applicants and employees We and other organisations that may access and use information recorded by fraud prevention agencies may do so from other countries We can provide the names and addresses of the agencies we use if you would like a copy of your information held by them Please contact us at the address below The agencies may charge a fee If you would like a copy of the information we hold about you please write to The Data Protection Officer Regulatory Risk Department Churchill Court Westmoreland Road Bromley BR1 1DP quoting your reference A fee may be payable Worldwide Airport Lounge Access Terms Introduction a The terms of use below Terms apply to the Ulster Bank ufirst Private Account Worldwide Airport LoungeAccess Service Priority Pass Service provided by Priority Pass Limited a company registered in England and Wales with company no 02728518 and whose registered address is at Cutlers Exchange 123 Houndsditch London EC3A 7BU Priority Pass b You are eligible to use the Priority Pass Service because you are a ufirst Private Account holder If your ufirst Private Account is closed you will not be entitled to use the Priority Pass Service and your Priority Pass card will be cancelled c The Priority Pass Service is an airport lounge access service that aims to make your travel more convenient and comfortable Complimentary airport lounge access is
37. al upon presentation of a valid Priority Pass card Payment cards will not be accepted as substitutes for the Priority Pass card 3 Each joint holder of a ufirst Private Account will receive a separate Priority Pass card If more than one joint holder of a ufirst Private Account is using a lounge at the same time each cardholder must use his own Priority Pass card for admittance to the lounge 4 The Priority Pass card is not a payment card nor is it proof of creditworthiness and attempts to use it as such could constitute fraud Lounge visits including guest visits 5 Asa holder of a ufirst Private Account your access to ounges in the Priority Pass Service shall be free of charge however any visits by guests will be subject to a fee of 15 Such fees for guest visits shall be charged o your ufirst Private Account 6 If any person visiting a lounge with you has their own Priority Pass card they must present their valid Priority Pass card in order to prevent them being treated as a guest If they do not present their valid Priority Pass card you will be subject to the 15 guest fee which will be charged to your ufirst Private Account 7 When presenting the Priority Pass card on entering the ounge lounge staff will either electronically scan or ake an imprint of the card and issue a Record of Visit voucher or receipt or make a log entry You must sign he Record of Visit voucher or receipt or sign the electr
38. amples and documents you do not own which are lost stolen or damaged during your trip The limits conditions and exclusions applying to section F Personal belongings baggage and money will also apply to this section Note We will take any amount we pay under this section from any amount we pay under section F Personal belongings baggage and money 24 hour concierge service As well as providing 24 hour medical advice and help through our assistance services the Ulster Bank ufirst Private Travel Insurance also gives you the unique benefits of a concierge service which you may call upon 24 hours a day 365 days a year to help you in any non medical difficulties that you may come across Telephone 01252 740141 from outside UK 44 1252 740141 Fax 01252 740110 Using and Sharing Your Information Ulster Bank ufirst Private Travel Insurance is arranged and provided by U K Insurance Limited UKI U K Insurance Limited U K Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority Registered Office The Wharf Neville Street Leeds LS1 4AZ Registered No 1179980 Company In this statement we us or our refers to UKI and its associated companies unless otherwise stated For information about our group of companies please visit www rbs com and click on About Us or for similar enquiries please telephone 0131
39. annel Islands and have not spent more than six months abroad during the last year Do you have an existing medical condition You may not be covered Call ufirst Private Membership Services on 0345 607 2538 for more information Call costs from networks may vary Calls from mobile phones may not be free Calls may be recorded More information on travel insurance The insurance is only in force for as long as you have your ufirst Private Current Account Conditions apply to the insurance please see the ufirst Private Travel Insurance Policy Summary on pages 27 to 30 and Travel Insurance Certificate and Policy Document on pages 37 to 47 of this brochure or log onto www ufirstaccount co uk for more details and common questions How to make aclaim Please have your ufirst Private membership number to hand when you call Calls may be recorded MOBILE PHONE INSURANCE ufirst Private covers you and your family members phones against loss theft damage and breakdown as well as unauthorised use in the event of loss or theft wherever you are in the world Cover is provided for up to four phones per account for your household You are automatically covered by this insurance and whilst there is no need to register the phone immediately you should register the phone with us as soon as possible Please see the full terms and conditions on page 31 for instructions Mobile Phone Insurance is provided by Aviva Insurance Limited Registered i
40. ased on the number of complete days lost by you returning early to the UK A medical practitioner is a person other than you a member of your family or anyone travelling with you who is qualified and registered as such by a recognised competent authority What you are not covered for 1 The first 35 of each claim for each person 2 Any claim which results from depression anxiety mental strain or a depressive illness of any type 3 You not wanting to travel Any extra costs resulting from you not telling the holiday company as soon as you know you have to cancel your holiday 5 An anticipated event 6 Cancelling or cutting short the trip because of a medical condition or any illness related to a medical condition which you knew about or should have known about before the start of this insurance This applies to you a relative close business associate or person you are travelling with and any person you were depending on for the trip 7 The cost of your original return trip if this has already been paid and you need to cut short your journey 8 If you have to cut short your trip and do not return to the United Kingdom Republic of Ireland or Channel Islands 9 If you cut short your trip and you have less than 25 of the trip left or five days whichever is greater 10 Any treatment or help where given your physical or mental condition it would have been reasonable for you to have consulted your medical practitioner
41. ays to your last known address Fraud Prevention and Detection In order to prevent and detect fraud we may at any time Share information about you with other organisations and public bodies including the police Undertake credit searches and additional fraud searches Check and or file your details with fraud prevention agencies and databases and if you give us false or inaccurate information and we suspect fraud we will record this We can supply on request further details of the databases we access or contribute to If you require further details please contact us at Ulster Bank ufirst Private Account Aviva Mobile Phone Insurance PO Box 375 Southampton S030 2PU We and other organisations may also search these agencies and databases to Help make decisions about the provision and administration of insurance credit and related services for you and members of your household Trace debtors or beneficiaries recover debt prevent fraud and to manage your accounts or insurance policies Check your identity to prevent money laundering unless you furnish us with other satisfactory proof of identity 14 Choice of Law 1 If your address is in Scotland a Scots law applies between you and us and b the Scottish courts have non exclusive jurisdiction over any disputes arising out of this benefit 2 If your address is in England or elsewhere a English law applies between you and us and b the English courts hav
42. been placed in a locked boot concealed luggage compartment or closed glove compartment of a securely locked vehicle which has been broken into by using force and violence Any claim for damage a caused by general wear and tear scratching or any other type of damage including cosmetic damage that does not affect how the phone works b caused by or through misuse or failure to follow the manufacturer s instructions c caused by changes the user has made to the phone through maintenance repairs and or the process of cleaning and or restoring Any claim for accessories where the phone they are used with is not the subject of a valid claim at the same time Any incident that occurred before the start date of this policy Any claim where a you are unable to provide details of the IMEI number of the phone the IMEI number cannot be verified by us c the IMEI number belongs to a phone which has previously been recorded as lost or stolen 12 Any claim resulting from a manufacturer s recall of the phone 13 Any costs associated with cleaning servicing inspection or any adjustments of the phone intended by the manufacturer to be routinely carried out by you or anyone else and specified as being such in the manufacturer s instructions and or installation guide 14 Any loss arising as a result of the user being unable to use the phone or any loss that is not the direct result of the insured incident i
43. ce services think it is medically necessary and they arrange this for you What you are not covered for Any treatment or surgery which our assistance services thinks is not immediately necessary and can wait until you return home Any expenses for treatment or surgery carried out more than 12 months after the date for the incident which you are claiming for The extra cost of single or private room accommodation unless it is medically necessary Any treatment or medication of any kind that you receive after you return home An anticipated event Any treatment or help where given your physical or mental condition you should not have travelled or it would have been reasonable for you to have consulted your medical practitioner prior to you booking or taking the trip about whether or not it was appropriate for you to travel Any extra costs after the time when in our medical adviser s opinion you are fit to be returned home 35 z 3 fs lt T lt 5 a 20 000 We will pay up to the limit shown to you or your executors or administrators if you are involved in an accident which causes you an injury which results in you becoming disabled within 12 months of the date of the accident for one of the following 1 Permanent total disability 2 Loss of a leg or foot 3 Complete loss of use of an arm or hand If you die we will pay 4 000 700 for children under 16 years of age Nil
44. cification to the phone but may a bea different colour have a different operating system be a different model or be made by a different manufacturer or e vary in features and functions ang Our replacement phones are refurbished models All replacement phones supplied by us will come with a 12 month warranty from our supplier Any breakdown under that warranty will not affect your claims history and there will be no excess to pay If the replacement phone is found to have cosmetic damage when you receive it you must notify us within 72 hours of you receiving the phone Where you fail to notify us within 72 hours of receiving the phone we may deem the damage to have occurred after the phone was received Cosmetic damage is not covered by the warranty on your replacement phone We will try to ensure that the existing phone number is kept but if this is not possible because of the network provider or any other reason beyond our control the replacement phone will be connected with a new telephone number f we replace the phone the original phone will become our property and where a lost or stolen phone is subsequently found or returned to the user it must be sent it to us f we are unable to provide a replacement of the accessories we will at our discretion provide you with a voucher for use in Carphone Warehouse stores or a cash settlement f we replace the phone with a different make or model and this mean
45. claim your 15 cash back To ensure receipt of your cash back following the completion of your online booking you must return to the ufirst Private Tickets Services pages on www ufirstaccount co uk and confirm your booking reference number given to you by Ticketmaster in the box provided If you do not complete an online booking in this way we will be unable to provide you with the 15 cash back Further details can be found on www ufirstaccount co uk e Guaranteed 15 cash back based on the normal face value price of the ticket Tickets must be ordered as outlined below e Receive cash back on up to four tickets for each event booked e No limit take advantage of this cash back as often as you like Main exclusions You can t resell your tickets and must be attending the event You may be able to order more than four tickets but you will pay full price for any additional tickets You must order tickets as outlined below If you order tickets in any other way we will be unable to provide you with the 15 cash back More information on Ticket Booking Terms amp Conditions apply please refer to pages 19 to 21 for further information including details on how to claim your cash back for online bookings Only Ticketmaster bookings can be made online through the Members Website For non Ticketmaster events call the Ticket Concierge Service on 0345 607 2538 to make a booking To book by phone call ufirst Private Membership Services on 03
46. d with a new debit cash card or PIN Key considerations for Ulster Bank Smart Phone Apps and Alerts Service Mobile Phone Banking terms and conditions apply Ulster Bank Mobile Phone Banking is free of charge to all personal customers Data Charges may apply on some mobile networks for mobile phone banking Full terms and conditions are available at www ulsterbank co uk mobile or by contacting your local branch Please remember we will never ask you for your PIN or Password details by text or email What may help you when registering Make sure we hold an up to date mobile phone number for you You can update this at any time on Anytime Internet Banking by phone or at your branch You can download the Mobile Phone Banking App from the relevant App Store or from www ulsterbank co uk mobile To register you will need your debitCARD for the first account you want to register and your 10 digit customer number used to log in to the Anytime Banking service Any mobile phone with text functionality can be used to receive our Alerts Service 3 Anytime Internet and Telephone Banking ANYTIME INTERNET AND TELEPHONE BANKING You can register your ufirst Private Current Account for Anytime Internet and Telephone Banking These services give you access to your accounts 24 hours a day seven days a week 365 days a year How it works Once registered you can access your accounts and take advantage of the following services e Check your bala
47. die we are entitled to have a post mortem examination You or your legal representatives are responsible for any costs resulting from these examinations 13 You must pay us back within one month of asking any amounts that we have paid to you which are not covered by this insurance Exclusions We will not cover 1 10 Any claim arising from or resulting from a trip that you take or any person who your travel depends on if a the claim relates to a medical condition or any illness related to a medical condition which you or they knew about before the trip was booked b you are travelling against medical advice c you are travelling to receive medical advice or treatment d you are on a hospital waiting list waiting for treatment or e you have been given a terminal diagnosis Loss or damage directly or indirectly caused by war terrorism revolution or any similar event or any Government public or local authority legally taking or damaging your property Any claim arising from or as a result of civil commotion s or riots of any kind Loss or damage to any property or any loss expense or liability arising from a ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the burning of nuclear fuel or b the radioactive toxic explosive or other dangerous properties of any explosive nuclear equipment or any part of it Any claim under Section
48. dition or any illness related to u a medical condition which you knew about or should have known about before the start of this insurance Ifyou cut short your trip and you have less than 25 of the trip left or five days whichever is greater 5 Inner Limits a Travel delay Each full eight hour period of delay 10 Max 400 S g Conditions v g You must have checked in for your trip at or before the recommended time and ba 2 500 You must get a written statement from the appropriate transport company or authority Nil S confirming the reason for the delay and how long it lasted 3 D What you are not covered for lt Z Any claim that results from strikes or industrial action which were public knowledge before Inner Limits Nil Piste Closure 300 Ski Equipment 1 000 en Ski Hire 500 Conditions and Exclusions Piste closure Section K Nil 5 The pre booked holiday resort where you are staying is at least 1 000 metres above sea level gt Ski Equipment Section L 35 5 You are not covered for any loss theft or damage to ski equipment aged over 5 years old Ski Hire Section M Nil Any theft or loss which you do not report to the police within 24 hours of discovering it and getting a written acknowledgement Ski Pass Section N 35 Any theft or loss which you do not report to the police within 24 hours of discovering it and getting a written acknowledgement Ful
49. e 48 Leicester Square London WC2H 7LR No 02662632 and any bookings you make online are subject to Ticketmaster s terms and conditions details of these can be found at wwwticketmaster co uk legal purchase html f you are not able to access the website or if tickets for the event are not available online you may call Ulster Bank Private Membership Services on 0345 607 2538 to book via the Ticket Concierge Service 5 For tickets booked online Cash back will not be applicable to events taking place outside of the United Kingdom and the Republic of Ireland All bookings are subject to the purchase policy and erms and conditions of the individual ticket agent or venue you book through which you will be asked o accept at the time of purchase The terms and conditions that govern the booking you make with he ticket agent or venue you book through will be provided to you with your tickets 7 All bookings are subject to availability and the rules and regulations of the venue event organiser promoter 10 n 12 13 and ticket agent including their cancellation and 19 refund policies To be eligible for Cash back for an online booking you must access the Ticketmaster site via the ufirst PrivateTickets Service pages of the website via ufirstaccount co uk Following the completion of an online booking made through the ufirst Private Tickets Service pages you should confirm the booking reference number provided to
50. e Annual Worldwide Family Travel Insurance is offered to you on the basis that it will be governed by the law of England The Mobile Phone Insurance is offered to you on the basis that it will be governed by the law of England The Financial Services Compensation Scheme Under the Financial Services and Markets Act 2000 should the insurers be unable to meet all their liabilities to policyholders compensation may be available Non compulsory insurance contracts are covered for a maximum 90 of the claim without any upper limit Most retail consumers this includes private individuals and some small businesses are eligible under the Scheme For further information on the conditions governing compensation and details on how to apply please refer to the FSCS at www fscs org uk Annual Worldwide Family Travel Insurance is arranged by Ulster Bank Limited Registered in Northern Ireland Registration Number R733 Registered office 11 16 Donegall Square East Belfast BT1 5UB Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority and entered on the Financial Services Register Registration Number 122315 Calls may be recorded Annual Worldwide Family Travel Insurance is provided and underwritten by U K Insurance Limited U K Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Aut
51. e it with 4 fon 10 Your information comprises all the details we hold about you and your transactions and includes information obtained from third parties We may use and share your information with other members of the Group to help us and them assess financial and insurance risks recover debt prevent and detect crime understand our customers requirements develop and test products and services We do not disclose your information to anyone outside the Group except where we have your permission or where we are required or permitted to do so by law or tocredit reference and fraud prevention agencies and other companies that provide a service to us or you or where we may transfer rights and obligations under this agreement where we may transfer rights or obligations under this agreement or asset out in section 7 below We may disclose your information to government entities or regulatory bodies in order that those entities may discharge their responsibilities and obligations or exercise heir powers or functions We may transfer your information to other countries on he basis that anyone to whom we pass it provides an adequate level of protection However such information may be accessed by law enforcement agencies and other authorities to prevent and detect crime and comply with egal obligations From time to time we may change the way we
52. e non exclusive jurisdiction over any disputes arising out of this benefit 15 Other Important Information Your Cancellation Rights You have a statutory 14 day period in which to cancel the ufirst Private Account Mobile Phone Insurance This period begins on the start date or when the insurance terms and conditions are received whichever is later If the ufirst Private Account Mobile Phone Insurance is not cancelled within the above 14 day period the Mobile Phone Insurance will remain active until the cover is cancelled in accordance with the rights set out in section 8 General Conditions or you cease to be a permanent UK resident To exercise your right to cancel please contact 0845 607 2538 Please note if the Mobile Phone Insurance is not required there will be no refund or reduction in the ufirst Private Account fee Reasonable Care The user must take the same level of care as they would take if you did not have this insurance The user must take all reasonable precautions to prevent theft loss or damage Special Requirements We are committed to meeting the needs of all our policyholders including those with special requirements Letters and other documents are all available on request in Braille or large text or on audio tape Hearing and speech impaired policyholders who wish to speak to us and have a textphone available can do so by using the RNID s Typetalk Relay service This is available 24 hours a day seven
53. e of insurance and the circumstances of your claim Further information about the scheme is available from the FSCS website www fscs org uk or write to Financial Services Compensation Scheme 10th Floor Beaufort House 15 St Botolph Street London EC3A 7QU 12 Data Protection For the purposes of the Data Protection Act 1998 the Data Controller in relation to any personal data you supply is Aviva Insurance Limited Insurance Administration Your information may be used for the purposes of insurance administration by us our agents associated companies and the Royal Bank of Scotland Group It may be disclosed to regulatory bodies for the purposes of monitoring and or enforcing our compliance with any regulatory rules codes Your information may also be used for research and statistical purposes and crime prevention It may be transferred to any country including countries outside the European Economic Area for any of these purposes and for systems administration Where this happens we will ensure that anyone to whom we pass your information agrees to treat your information with the same level of protection as if we were dealing with it If you give us information about another person in doing so you confirm that they have given you permission to provide it to us and for us to be able to process their personal data including any sensitive personal data and also that you have told them who we are and what we will use their data for
54. e them to hand Sort code Account number Call ufirst Private Membership Services on 0345 607 2538 or from outside the UK call 00 44 2392 676 573 Lines are open 8am 8pm Monday to Friday excluding Bank Holidays and 9am 5pm Saturday to speak to an agent Outside of these hours you may still be able to access your benefits through an automated service and in accordance with the opening hours outlined under each individual benefit You can also visit to see the full range of benefits available Call costs from networks may vary Calls from mobile phones may not be free Calls may be recorded 1 ufirst Private Benefits INTEREST FREE ARRANGED OVERDRAFT BUFFER OF UP TO 1 000 Since there will always be times when you face unexpected demands ufirst Private offers access to an interest free arranged overdraft buffer of up to 1 000 to cover those extra expenses How it works This is an interest free arranged overdraft buffer which every ufirst Private member can apply for Provided your arranged overdraft balance remains below the interest free arranged overdraft buffer you will not be charged arranged overdraft interest If your arranged overdraft balance exceeds the interest free arranged overdraft buffer you will be charged arranged overdraft interest on the full arranged overdraft balance Overdrafts are repayable on demand Your debit balance should not exceed your arranged overdraft limit If your account overruns wi
55. e venue event organiser promoter and ticket agent Only 4 tickets booked through the Service for any one event will be eligible for the Cash back Upon making your booking you will be issued with a booking reference If collecting tickets at the box office you should present your booking reference upon arrival at the event venue You will separately receive confirmation of your booking by email You must provide credit or debit card details to secure your tickets and payment in full is required at the time of booking Depending on the venue event or the period of time between your booking and the date of the event tickets will be dispatched to you by post email or you may collect your tickets at the venue box office on the day of the event CASH BACK To be eligible for the Cash back you must be a ufirst Private account holder at the time you purchased your tickets The Cash back is calculated on the full price paid for the tickets including any booking fee and any processing or delivery fees incurred The Cash back is not applicable to any other promotional offer and only applies to tickets purchased through the Service The Cash back will appear in your online Cash back Summary on the dedicated ufirst Private Tickets Service pages of the website via www ufirstaccount co uk within 5 days of booking subject to a successful payment transaction and will be paid into your ufirst Private account within 30 days of your booking S
56. egins on the start date or when the insurance terms and conditions are received whichever is later If the ufirst Private Mobile Phone Insurance is not cancelled within the above 14 day period the Mobile Phone Insurance will remain active until the cover is cancelled in accordance with the rights set out in General Conditions section of the terms and conditions or you cease to be a permanent resident in the UK To exercise your right to cancel please call 0345 607 2538 Please note if the Mobile Phone Insurance is not required there will be no refund or reduction in the ufirst Private monthly account fee Our goal is to give excellent service to all our customers but we recognise that things do go wrong occasionally We take all complaints we receive seriously and aim to resolve all our customers problems promptly and achieve a fair outcome To ensure that we provide the kind of service you expect we welcome your feedback We will review the complaints we receive to make sure that we continually improve the service we offer Details of our full complaints process can be found in your policy wording f you are unhappy with any aspect of the handling of your Mobile Phone Insurance claim we would encourage you in the first instance to seek resolution by contacting us By telephone 0345 607 2538 n writing either via www ufirstaccount co uk or by letter addressed to Ulster Bank ufirst Private Mobile Phone Insurance PO Box 351 Southampt
57. en you return to your home address in your country of residence This policy covers trips of up to 31 days except where the trip involves winter sports where the maximum duration allowable is 17 days Valuables Photographic audio video and electrical equipment of any kind including CDs computer games video and audio tapes telescopes and binoculars antiques jewellery watches furs perfumes leather goods animal skins silks precious stones and articles made of or containing gold silver or precious metals We us our U K Insurance Limited and or our agents Winter sports Skiing land skiing mono skiing cross country skiing heli skiing off piste skiing ski boarding snow mobile sledging luging toboganning or ice skating You your yourself insured person Any Account holder Account holders partner and Account holder s dependent children General Conditions and Exclusions Conditions 1 You must live in the United Kingdom Republic of Ireland or Channel Islands and have not spent more than six months abroad during the year before you bought this policy 2 You must tell Ulster Bank ufirst Private Travel nsurance if you know about anything which may affect their decision to accept your insurance for example dangerous activities or a health condition If you are not sure whether to tell Ulster Bank ufirst Private Travel Insurance tell hem anyway 3 We will not pay for any loss or damage caused as a r
58. esult of your not acting in a reasonable way to ook after your property 4 You must take all reasonable steps to get back any ost or stolen articles and you must help the authorities in their efforts to catch and prosecute any guilty people 5 You must take all reasonable steps to avoid or reduce any loss which may mean that you may have to make a claim under this insurance 6 You must keep to all the terms conditions and endorsements of this insurance If you do not we may turn down your claim 7 You must help us get back any money that we have paid from anyone or from other insurers including the Department of Social Security Department of Social Welfare by giving us all the details we need and by filling in any forms 8 Any claim arising from you being in or entering or leaving any aircraft other than as a fare paying passenger in a fully licensed passenger aircraft 9 If you try to make a fraudulent claim or use any fraudulent means in trying to make a claim you may be prosecuted and we will not cover your claim 10 You must give Ulster Bank ufirst Private Travel Insurance all the documents they need to deal with any claim You will be responsible for any costs involved in doing this 11 You must keep any articles that are damaged and send them to Ulster Bank ufirst Private Travel Insurance if they ask You must pay any costs involved in doing this 12 You must agree to have a medical examination if we ask you to If you
59. ey appear in the policy wording accessory accessories Any charger headset memory card case or screen protector owned by you and designed to be used with the phone account holder you your Any person named as an account holder on the ufirst Private Account who is over 18 years of age and a permanent UK resident breakdown Failure of the phone to operate due to an internal electrical or mechanical fault happening after the date the manufacturer s warranty expires damage Malicious damage caused by someone other than a user or accidental damage caused by a sudden and unexpected event including liquid damage family member Your partner who lives with you in a domestic relationship whether married or cohabiting and your children under 18 years of age who live at home with you under 23 if still in full time education and living at home with you outside of term time IMEI number The International Mobile Equipment Identity number of the phone network provider The company to which the phone is connected and that you pay for network services period of insurance Mobile Phone Insurance is available to you as a benefit of the ufirst Private Account Cover for breakdown starts from the date the manufacturer s warranty expires Cover for damage theft and loss starts from the start date Subject to your and our right to cancel cover will continue as long as you have ufirst Private Account and remain permanently UK reside
60. fort Stranmillis Road Belfast BT9 5UB By phone Telephone 0345 3002515 If you cannot settle your complaint with us you may be entitled to refer it to the Financial Ombudsman Service We are covered by the FSCS You may be entitled to compensation from the scheme if we cannot meet our obligations This depends on the type of business and the circumstances of the claim Insurance advising and arranging is covered for 90 of the claim without any upper limit Further information about compensation scheme arrangements is available from the FSCS Ulster Bank Limited Registered in Northern Ireland Registration Number R733 Registered office 11 16 Donegall Square East Belfast BTI 5UB Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority and entered on the Financial Services Register Registration Number 122315 Calls may be recorded ufirst Private Additional Information Document We are providing information on each insurance product included in the ufirst Private Account Package These are the only insurance products of this type Ulster Bank arranges as part of its ufirst Private Account Package You are under no obligation to accept these insurance products Will These Insurance Products Meet Your Needs The insurance products mentioned below are an integral part of the ufirst Private account range of benefits services available for you to use
61. g with it Step 2 We ll keep you updated regularly but if you have any questions you ll be able to contact the team dealing with your complaint directly Step 3 We ll aim to resolve your complaint within two weeks If for some reason we can t resolve it in this time we ll keep you regularly updated on our progress until it s all sorted If you re not happy with our progress at any time please call the team dealing with your complaint straight away If for some reason we haven t been able to resolve your complaint within eight weeks or you re not satisfied with the resolution you can refer your complaint to the Financial Ombudsman Service If you receive a response letter from us and you want to contact the Financial Ombudsman Service you ll need to do this within six months of receiving this letter The Financial Ombudsman Service Exchange Tower Harbour Exchange Square London E14 9SR Telephone 0800 023 4567 free from landlines or 0300 123 9123 Or simply log on to their website at www financial ombudsman org uk Whilst we are bound by the decision of the Financial Ombudsman Service you are not Following the complaint procedure does not affect your right to take legal action 11 Financial Services Compensation Scheme We are members of the Financial Services Compensation Scheme FSCS You may be entitled to compensation from this scheme if we cannot meet our obligations depending on the typ
62. h come with Ulster Bank ufirst Private account Definitions ufirst Private Membership Services means services provided by Affinion International Limited acting as agents for Ulster Bank ufirst Private Benefits You are entitled to apply for any additional benefits specified in this User Guide for as long as your ufirst Private account remains open We may alter any of these benefits and will usually give you at least one month s prior written notice except in exceptional circumstances for example where a benefit provider goes into liquidation when we may remove a benefit without prior notice We reserve the right o reclaim all or part of the value given on any benefits as highlighted in this User Guide should the ufirst Private account be closed or downgraded within six months of he Account being opened Please note that if you cancel your agreement for the ufirst Private account during the 14 day period your ufirst Private membership will also be cancelled automatically and you will not be able to use any ufirst Private benefits in this Guide f you cease to reside in the UK you may not be able to access some of the ufirst Private Benefits attached to the Account For further information contact your Relationship Manager or call Ulster Bank Private Membership Services on 0345 607 2538 From outside the UK call 0044 2392 676 573 1 Credit facilities Over 185 only Security by way of guarantee may be required for
63. hone Our replacement phones are refurbished models All replacement phones provided by us will come with a 12 month warranty The phone will be covered whilst the account holder or family member is temporarily outside the UK providing they remain a permanent UK resident meaning they have their main home in the UK If you are abroad when a claim happens we will not replace the phone until you return to the UK The cover provided by this policy allows for a maximum of four claims during any 12 month period Accessories are covered up to 250 per claim if they are lost stolen or damaged at the same time as your phone Inthe event of unauthorised use following loss or theft we will provide cover for up to 3 000 for monthly contracts and up to 100 for pay as you go customers There are a number of exclusions and limitations in your policy Significant or unusual ones are shown below Full details can be found under the What is not covered heading in Sections 6 and 7 as well as the General Conditions and General Exclusions sections of your Mobile Phone Insurance Terms on pages 31 to 36 of this brochure You must report loss or theft of the phone to your network provider within 24 hours of discovery 48 hours if outside the UK In the event of theft the incident should be reported to the police as soon as reasonably possible We may refuse to pay any unauthorised use claim if you fail to report the loss or theft to
64. hority Registered Office The Wharf Neville Street Leeds LS1 4AZ Registered No 1179980 Mobile Phone Insurance is provided by Aviva Insurance Limited Registered in Scotland No 2116 Registered Office Pitheavlis Perth PH2 ONH Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority Whilst Aviva is the insurer of this policy and will remain liable to you under the terms and conditions of this policy we will use members of the Carphone Warehouse Group as our agents in order to help us administer your policy and deal with claims ufirst Private Mobile Phone Insurance Policy Summary Keytacts Mobile Phone Insurance Policy This is a summary of the policy and does not contain the full terms and conditions of the cover which can be found in the ufirst Private Mobile Phone Insurance Policy Document It is important that you read the full policy wording carefully and keep it for future reference The insurer is Aviva Insurance Limited This Mobile Phone Insurance policy provides cover for your phone in the event of damage loss theft or breakdown outside the manufacturer s warranty Cover is for up to four mobile phones owned and used by you your partner and your children aged under 18 who live with you at home under 23 if in full time education and living at home outside of term time We will settle claims by replacing the p
65. hould you not receive your cash back within 30 days of your booking please contact ufirst Private Membership Services on 0345 607 2538 The Cash back amount will appear as Tickets Cash back on your bank statement Cash back will only be applied to bookings for events taking place in the United Kingdom and Republic of Ireland 31 32 33 34 35 36 37 If you book tickets for an event taking place within the Republic of Ireland the Cash back earned will be in pounds sterling using the average daily prevailing currency exchange rate as published by www oanda com on the previous business day to the day the Cash back is processed which may vary from the exchange rate used by your payment card issuer Cash back is only applicable for sporting events where the tickets are booked online via www ufirstaccount co uk For bookings made through the Ticket Concierge Service if for any reason the event that the ticket s were purchased for is cancelled a refund less any Cash back already paid to you will be paid to the credit or debit card used to purchase the ticket s originally f your ticket s were purchased via the dedicated ufirst Private Tickets Service pages of the www ufirstaccount co uk website you will receive a full refund of the price paid at the time of purchase o the credit or debit card used to purchase the cket s on the internet originally Affinion reserve the right to retrieve the Cash back
66. ickets 200 40 for children under 16 T What you are not covered for en u 1 500 Breakage of fragile articles or sports equipment whilst in use 35 wm Theft loss of or damage to household goods pedal cycles motor vehicles watersports equipment 5 marine equipment and craft and their accessories g Shortages due to mistakes or neglect Any loss or theft which you do not report to the police within 24 hours of discovering it and which 4 you do not get a written acknowledgment for 2 Any item set or pair worth more than 50 which you haven t got an original receipt or insurance 2 valuation for before the loss Property you leave unattended in a public place What you are not covered for Any claim which results from depression anxiety mental strain or a depressive illness of any type oo You not wanting to travel E An anticipated event Any treatment or help where given your physical or mental E p condition you should not have travelled or it would have been reasonable for you to have u g consulted your medical practitioner prior to you booking or taking the trip about whether 5 2500 or not it was appropriate for you to travel a5 u 9 s The transport operator or their agents refusing to transport you or a member of your immediate family or a travelling companion because they consider that you or they are g 2 not fit to travel 54 Cancelling or cutting short the trip because of a medical con
67. ilar carriers unless you cannot use the damaged item 16 Loss or theft of personal belongings or baggage while not in your control or in the control of any person other than an airline or ferry company Please read the general conditions and exclusions Section G Cancelling and cutting short your holiday Part 1 What you are covered for We will pay up to 2 500 for travel and accommodation expenses that you have paid or have agreed to pay under a contract and which you cannot get back if it is necessary and unavoidable for you to cancel or cut short your trip as a result of the following 1 Dying becoming ill or injured 2 The death injury or illness of a relative close business associate or a person with whom you have booked to travel or a relative or friend living abroad with whom you plan to stay 3 f you are called for jury service or as a witness or you are put in quarantine 4 An accident to a vehicle in which you were planning to travel which happens within seven days before the date you planned to leave which eaves the vehicle unusable this applies to self drive holidays only 5 f you are a member of the armed forces or police fire nursing or ambulance services which results in you having to stay because of an emergency 6 f you are made redundant as long as you are entitled to payment under the current redundancy payments law and that at the time of booking your trip you had no reason to believe that
68. ildren aged under 16 years of age Please read the general conditions and exclusions Section D Personal liability What you are covered for We will pay up to 1 000 000 if you are legally liable for accidentally 1 Injuring someone or 2 Damaging or losing somebody else s property What you are not covered for 1 The first 100 of each claim for each person 2 Any liability arising from an injury or loss or damage to property a owned by you a member of your family or household or a person you employ or b in the care custody or control of you or of your family or household or a person you employ 3 Any liability injury loss or damage a to your employees or members of your family or household or a person you employ b arising out of or in connection with your trade profession or business c arising out of a contract you have entered into d arising out of you owning possessing using or living on any land or in buildings e arising out of you owning possessing or using mechanically propelled vehicles water craft or air craft of any description animals firearms or weapons or f arising out of any criminal malicious or deliberate acts Conditions of cover It is a condition of the cover provided under this section that 1 You must give Ulster Bank ufirst Private Travel Insurance notice of any cause for a legal claim against you as soon as you know about it and send them any other d
69. imes the length of time which you may spend in the lounge and any charges payable for extended lounge visits or the personnel employed by the lounges Priority Pass will use reasonable endeavours to ensure the benefits and facilities are available as advertised but you accept that the Priority Pass group of companies does not the time of your visit Participating lounges have no obligation to announce flights and it is your responsibility to check your flight details frequently It is your responsibility to check the relevant entry requirements for any country being visited and to have the correct travel documentation for the journey The provision of free alcoholic drinks where local law permits is at the discretion of each lounge operator and in some cases may be limited or unavailable In such cases you are responsible for paying any charges for additional consumption direct to the lounge staff See individual lounge descriptions for details Telephone and Wi Fi facilities where available vary from lounge to lounge and are provided at the lounge operator s discretion Free usage of telephone facilities is normally limited to local calls only Charges for any other lounge facilities are at the discretion of each ounge operator and you are responsible for paying these direct to the lounge staff Admittance to lounges is strictly subject to you and any guests being in possession of a valid flight ticke
70. ing your policy documents to U K Insurance Limited PO Box 106 37 Broad Street Bristol BS99 7NO If you do not exercise the cancellation right the agreement entered into between us and you will be binding on you How to Make a Claim To notify us of a claim in the first instance please telephone 0870 609 2043 How to Complain If you need to complain For issues relating to the purchase or administration of your insurance or a claim you have made Please call us on 0870 609 2043 If you wish to write then please address your letter to Customer Relations P O Box 1150 Churchill Court Bromley BR1 9WA You can refer complaints about claims under Section E Legal Expenses to arbitration instead where an independent person known as an arbitrator makes a decision to settle the dispute The Arbitrator will be a solicitor or barrister or other suitably qualified person that you and we agree on If we cannot agree then we will ask the Chartered Institute of Arbitrators to decide The Arbitrator s decision will be final and whoever does not win will have to pay all costs and expenses If we cannot resolve the differences between you and us you can take the matter to the Financial Ombudsman Service FOS It is an independent organisation that operates according to the rules made by the Financial Conduct Authority Their address is Financial Ombudsman Service Exchange Tower Harbour Exchange Square London E14 9SR
71. ionally provided us with false information or intentionally withheld relevant information from us we will not pay the claim we may cancel your Mobile Phone Insurance and will pass details to Ulster Bank who may at its discretion close your ufirst Private Account 3 The user must take reasonable care to protect the phone and its accessories from damage theft or loss 4 The user must use and maintain the phone and accessories in line with the manufacturer s instructions 5 You may be required to provide such information documents or receipts reasonably necessary to support and or verify your claim and we may contact he network provider and or the police to confirm hat you or the family member have reported the oss or theft to them We may also share details of your claim with other insurance companies The user may be required to provide information in writing and or through a telephone interview with a claims investigator You should refer to section 12 Data Protection for further details on how we will use personal information 6 We may take proceedings at our own expense and for our own benefit but in your name to recover any payment we have made under this policy 7 tf at the time of an incident which results in a claim under this policy there is any other insurance covering he same loss we are entitled to approach that insurer for a contribution towards the claim 8 You cannot transfer your rights under this
72. l details of exclusions can be found in the exclusions section of your Travel Insurance Certificate You have a right to cancel this insurance within 14 days of opening your ufirst Private account To cancel your Annual Worldwide Family Travel Insurance your written instruction should be sent to U K Insurance Limited PO Box 106 37 Broad Street Bristol BS99 7NO To notify U K Insurance Limited of a claim in the first instance please telephone 0870 609 2043 f you need to complain For issues relating to the purchase or administration of your insurance or a claim you have made Please call us on 0870 609 2043 Ifyou wish to write then please address your letter to Customer Relations PO Box 1150 Churchill Court Bromley BR1 9WA You can refer complaints about claims under Section E Legal Expenses to arbitration instead where an independent person nown as an arbitrator makes a decision to settle the dispute The Arbitrator will be a solicitor or barrister or other suitably qualified person that you and we agree on If we cannot agree then we will ask the Chartered Institute of Arbitrators to decide The Arbitrator s decision will be final and whoever does not win will have to pay all costs and expenses f we cannot resolve the differences between you and us you can take the matter to the Financial Ombudsman Service FOS It is an independent organisation that operates according to the rules made by the Financial Conduc
73. lent financial value of your claim Refuse to pay any more legal costs if you do not accept a reasonable offer to settle your claim Refuse to pay any more legal costs if it is no longer more likely than not that you will be successful with your claim Disputes You have the right to refer any disagreement between you and us to arbitration The arbitrator will be a solicitor barrister or other suitably qualified person that you and we agree on If we cannot agree the arbitrator will be chosen by the president of the Law Society or another similar organisation for that part of the UK or Geographical Region whose law governs this section of the policy The arbitrator s decision is final Whoever loses the arbitration will pay for all the costs and expenses of the arbitration You can also refer any disagreement between you and us to the Financial Ombudsman Service which is a free service See pages 37 to 39 for details of our complaints procedure See also General Conditions on page 38 Section F Personal belongings baggage and personal money What you are covered for F1 Personal belongings and baggage We will pay up to 1 500 for the following 1 After taking off an amount for wear tear and loss of value we will pay for the loss theft of or damage to property owned by you with a limit for any one item set or pair of 100 2 After taking off an amount for wear tear and loss of value we will pay for l
74. ller or buyer of such business or assets c if Priority Pass or substantially all of Priority Pass assets are acquired by a third party in which case personal data held by us about our customers will be one of the transferred assets and any legal obligation or in order to enforce or apply our terms of use and other agreements or to protect the rights property or safety of Priority Pass our customers or others This includes exchanging information with other companies and organisations for the purposes of fraud protection and credit risk reduction 22 By using the Priority Pass Service you consent to the information you provide to Priority Pass being shared with members of The Royal Bank of Scotland Group How to make a complaint 23 The Priority Pass group of companies is constantly trying to improve the services it provides If you have any concerns or complaints please contact Priority Pass Priority Pass may monitor telephone calls to maintain and enhance its services All complaints relating to any lounge visit should be made within six months of the relevant lounge visit 24 To make a complaint you can a call us on 0345 607 2538 b write to us at Priority Pass PO Box 120 Croydon CR9 4NU England 25 Priority Pass will try to answer your query within five working days of receipt If we are not able to respond to your complaint within five working days we will send you an acknowledgement letter to keep you info
75. n Scotland company number 2116 Registered Office Pitheavlis Perth PH2 ONH Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority Whilst Aviva is the insurer of this policy and will remain liable to you under the terms and conditions of this policy we will use members of the Carphone Warehouse Group as our agents in order to help us administer your policy and deal with claims Wide ranging cover for your mobile phone Covers most mobile phones with a screen size of less than 7 inches measured diagonally e Loss theft and damage including water liquid and malicious damage e Breakdown cover if your phone develops an electrical or mechanical fault outside of the manufacturer s warranty e 48 hour replacement handset delivered to your home place of work or your nearest Carphone Warehouse Store Replacement phones will where possible be of the same make and model and will be refurbished models All replacement phones come with a 12 month warranty e Unauthorised use cover up to 3 000 for monthly contracts and up to 100 for pay as you go customers in the event of unauthorised use following loss or theft e Worldwide protection wherever you are in the world you re covered A replacement phone will be arranged on return to your home address e Accessories are covered up to 250 per claim if they are lost stolen or damaged at the same
76. nce and view recent transactions e Pay bills e Send money abroad e Transfer funds between your accounts e View and manage your Direct Debits and standing orders e View online statements and search up to 7 years of statement history e Setup and manage text alert preferences These and many other services will help you to do your banking when it suits you Key Considerations for Anytime Internet and Telephone Banking Anytime Internet and Telephone Banking Terms and Conditions apply for further information please see the Personal Banking Terms and Conditions brochure available from the Private Banking Support team Fees and charges may apply for international transfers via Anytime Internet Banking Please see our brochure Schedule of Services Payment and International Banking Charges for more information Transfers to accounts at other UK banks or building societies via Anytime Internet Banking are subject to a daily limit For details of the limits applicable for transfers made through Anytime Internet Banking please visit ulsterbank co uk paymentlimits How to apply To register for Anytime Banking please contact the Private Banking Support team phone us any time on 0345 301 5105 or visit www ulsterbank co uk anytime Call costs from networks may vary Calls from mobile phones may not be free Calls may be recorded Please read the following terms and conditions They give you the important information about the benefits whic
77. now We want to help you make your claim as quickly and easily as possible If you need to make a claim please Visit http www ufirstaccount co uk Or call 0845 607 2538 Our phone lines are open Monday to Friday 8 00am 8 00pm Saturday 9 00am 6 00pm Sunday 10 00am 5 00pm Bank Holidays 10 00am 6 00pm Closed on Christmas Day Important things to remember Ifthe phone is lost or stolen the user must contact their network provider as soon as they discover the loss but no more than 24 hours from discovery 48 hours if the user is abroad at the time of the loss We may refuse to pay any unauthorised use claim if the user fails to do this Ifthe phone is stolen the user should report it to the police as soon as reasonably possible and get a crime reference number from them we will ask you for this when you claim You must tell us about any claim within 60 days of discovering the theft loss damage or breakdown Ifthe incident happens abroad we won t replace the phone until the user returns home Where an incident occurs whilst the phone is being used by a family member they will be required to verify your details and a password in order to submit a claim You will be asked if you wish to set a password when you register the phones Help us to help you by making sure you comply with the terms and conditions of the policy 5 Your Cover We will insure the phone whilst it is being used by
78. ns that apply to the whole policy There is no cover for 1 Any claim where you fail to provide the documents receipts or other information necessary to support and or verify your claim 2 Any financial loss resulting from the phone being used without your consent to access a bank account mobile wallet or similar and or make purchases unless the loss is specifically covered under section 7 Unauthorised Use 3 Any consequence whatsoever which is the direct or indirect result of any of the following or anything connected with any of the following whether or not such consequence has been contributed to by any other cause or event a war invasion act of foreign enemy hostilities or a warlike operation or operations whether war be declared or not civil war rebellion revolution insurrection civil commotion assuming the proportions of or amounting to an uprising military or usurped power terrorism c any action taken in controlling preventing suppressing or in any way related to a and b above 4 Any damage caused intentionally by a user 5 Tablet computers or any other device with a screen size of 7 inches or more 6 Any claim where the account holder has not paid their monthly ufirst Private Account fee 10 Complaints Procedure Our Promise of Service Our goal is to give excellent service to all our customers but we recognise that things do go wrong occasionally We take all complaints we receive seri
79. nsurance and Worldwide Airport Lounge Access In most cases simply opening your ufirst Private account is all you need to do to enjoy the benefits of your membership For others you may need to contact your relationship manager or call our ufirstPrivate Membership Services on 0345 607 2538 who will be more than happy to help you or log onto www ufirstaccount co uk For Private Current Account and ufirst Private Current Account information on our charges and interest rates is set out in our brochure A guide to personal account fees and interest which is available in our branches or on our website www ulsterbank co uk Details are also available from your relationship manager Terms and conditions apply to both Private Current Account and ufirst Private Current Account For details please see our Personal Banking terms and conditions brochure in our branches or on our website www ulsterbank co uk Call costs from networks may vary Calls from mobile phones may not be free Calls may be recorded ADDITIONAL PACKAGED ACCOUNTS If you already hold a packaged account from Ulster Bank and are satisfied to open an additional packaged account please note that there may not be any additional advantage for you of opening another account You will also be charged an additional monthly account fee on the new packaged account LIVING OUTSIDE NORTHERN IRELAND OR THE REST OF THE UK If you are living outside Northern Ireland or the rest of the UK o
80. nt phone phones A mobile phone or smartphone that can make and receive calls when connected to a mobile network has a screen size of less than 7 inches measured diagonally is designed to be handheld cannot be used as a satellite phone and is owned and used by you or a family member start date The date on which you opened the ufirst Private Account or 21 March 2013 whichever is later UK England Scotland Wales and Northern Ireland UK resident A person who has their main home in the UK unauthorised use Calls data downloads emails internet usage MMS messages and SMS messages made or sent following theft or loss of your phone user The account holder or family member who is using the phone at the time of the incident leading to the claim 3 Registering your Phone You are automatically covered by this insurance with effect from the start date subject to these terms and conditions Whilst there is no need to register the phone immediately we strongly recommend you register the phone with us as soon as possible We will need the IMEI number of the phone before we can deal with a claim so the process will be easier if we have this on record It s simple to register do this by Visiting http www ufirstaccount co uk Or calling 0845 607 2538 All you ll need is your account number and details of the phone including the IMEI number 4 Making a Claim what you need to do and k
81. nt we pay for your return home Note to all insured people treating doctors and hospitals This is not a private medical insurance If you need any medical treatment you must tell our assistance services immediately or we may not guarantee medical expenses If you need any medical treatment you must allow our assistance services or their representatives to see all of your medical records and information Claims information Medical claims If you receive medical attention for an injury or sickness you must get a medical certificate showing the nature of the injury or illness together with any bills which you should have paid Claims for delay loss or damage to money personal belongings baggage and so on You must tell the relevant transport company about any delay loss or damage to personal belongings and so on if they are being carried by any airline transport company and so on You must also get a property irregularity report If you do not tell the airline transport company and so on within three days of the event we may not be able to pay your claim You must report immediately any loss of money or loss or damage to personal belongings and so on to the police and hotel management if this applies You must also get an official written report If you do not tell the police and hotel management if this applies within 24 hours of the event we may not be able to pay your claim General You must send any claim to Ulster Bank
82. ocuments relating to any claim and 2 You must help Ulster Bank ufirst Private Travel Insurance and give them all of the information they need to allow them to take action on your behalf 3 You must not negotiate pay settle admit or deny any claim unless you get Ulster Bank ufirst Private Travel Insurance s written permission Please read the general conditions and exclusions Section E Legal expenses The 24 hour phone number for practical UK legal advice in connection with your trip and for reporting a legal cost claim is 0845 301 6331 44 845 301 6331 from abroad If something you are proposing to do may result in a claim you must talk to us first Please quote reference UF2109 and say you are insured with Ulster Bank ufirst Private Travel insurance when you call What you are covered for We will pay legal costs to help you claim damages or compensation for injury illness or death which happens during your trip The cover under this Section E only applies if any legal proceedings are carried out by a court or other organisation that we agree to and it is always more likely than not that you will be successful with your claim What you are not covered for We will not pay 1 To defend your legal rights in claims against you 2 Any claim resulting from any illness or injury that develops gradually or is not caused by a specific or sudden accident 3 For actions between insured people in other
83. om Armed Forces championships or heats or officially organised practice or training for these events or any Hazardous Activity 5 Any claim arising or resulting from depression anxiety mental strain depressive illness of any type suicide or attempted suicide or injuring yourself deliberately or putting yourself in danger unless you are trying to save a human life 16 Any claim resulting from you being under the influence of or in connection with the use of alcohol or drugs Sections of insurance Section A Medical and other expenses Part 1 If you go into hospital you must tell our assistance services immediately What you are covered for We will pay up to 10 000 000 for the following for necessary and reasonable costs as a result of you being injured or ill during your trip 1 Emergency medical surgical and hospital treatment Emergency dental treatment is covered up to 150 as long as it is to immediately relieve pain only 2 Up to 2 000 for either the cost of returning your body or ashes home or for the cost of a funeral in the country where you die if this is different from the country where you normally live 3 Extra accommodation and travel expenses to allow you to return home if you cannot return as you originally booked provided this has been approved by us 4 Extra accommodation for someone to stay with you and travel home with you if this is necessary due to medical advice and authorised by our
84. on SO30 2PJ f for some reason we haven t been able to resolve your complaint within eight weeks or you re not satisfied with the resolution you can refer your complaint to the Financial Ombudsman Service If you receive a final response letter from us and you want to contact the Financial Ombudsman Service you ll need to do this within six months of receiving our final response letter The Financial Ombudsman Service Exchange Tower Harbour Exchange Square London E14 9SR Telephone 0800 023 4567 free from landlines or 0300 123 9123 We are members of the Financial Services Compensation Scheme FSCS You may be entitled to compensation from this scheme if we cannot meet our obligations depending on the type of insurance and the circumstances of your claim Aviva Insurance Limited Registered in Scotland No 2116 Registered Office Pitheavlis Perth PH2 ONH Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority Your ufirst Private Travel Insurance Policy Summary Please read this document carefully It is a Policy Summary only and does not detail the full terms and conditions of the insurance policy Full details of the insurance policy terms and conditions can be found in the Policy Document This document does not form part of the contract between us This policy is provided and underwritten by U K Insurance Limited As a ufi
85. onic reader as applicable which will also reflect he exact number of accompanying guests if any but does not show any per person per visit charge The charge per visit for any guests will be based on the Record of Visit voucher receipt log submitted by the ounge operator You are responsible for ensuring the Record of Visit voucher receipt log correctly reflects your own usage and that of any guests at the time of using the lounge and where applicable you are responsible for retaining your copy of the Record of Visit voucher or receipt 8 Access to the lounges for children and the fees for such visits varies across the lounges and you are advised to check the individual lounge description before travelling 9 You are responsible for checking whether a lounge is part of the Priority Pass Service before travelling You may check lounge participation using the lounge listing on www ufirstaccount co uk or by calling 0345 607 2538 10 All participating lounges are owned and operated by third party organisations You and any accompanying guests must abide by the rules and policies of each participating lounge and you accept that signing in to a lounge does not guarantee continued access You accept that the Priority Pass group of companies has no control over the lounge operator s decision whether to admit any cardholder the number of people allowed in any lounge at any time facilities offered the opening closing t
86. or Channel Islands where you have lived for at least six months in the last year Dependent children All unmarried children including adoptive and foster of the Account holder who at the time of booking the trip are aged under 18 years and living at home or up to 23 years if in full time education as long as their permanent address is the same as yours Hazardous Activities Are flying hang gliding ballooning parachuting parascending or other aerial activities except while travelling in a fixed wing aircraft or helicopter as a passenger not as a pilot or aircrew nor for the purpose of undertaking any trade or technical operation in or on the aircraft Motor cycling on machines exceeding 125cc unless you have held a full clean motor cycle licence for at least 3 years and are accident and conviction free Mountaineering or cliff or rock climbing necessitating the use of ropes or guides Potholing Canyoning Engaging in or practising for speed or time trials sprint or racing of any kind Manual work of any kind Ski racing in major events ski jumping ice hockey use of bob sleighs or skeletons White water rafting canoeing or sailing outside territorial waters unless undertaken under suitably qualified supervision as a pre paid element of the trip SCUBA diving unless you are a qualified diver and you are accompanied at all times by another qualified diver or if you do not hold a SCUBA diving certificate you are accompanied by
87. osed Policy Documents carefully How Much Will This Cost Me The insurance products listed are an integral part of the Ulster Bank ufirst Private account range of benefits services available for you to use There is no separate charge for these insurance policies they remain available while the ufirst Private account is open There is a monthly subscription charge for the ufirst Private account and this charge is not adjusted should you not wish to use a specific feature of the account Benefits under the plan are free of all personal taxes under current law and Inland Revenue practice Tax law and practice may change in the future Other taxes may exist that are not paid via underwriting Insurer and or Ulster Bank Limited or imposed by them or us The Monthly Subscription Charge for the account currently 25 per month is inclusive of insurance premium tax where applicable YOUR RIGHT TO CANCEL Annual Worldwide Family Travel Insurance You have a right to cancel your Annual Worldwide Family Travel Insurance within 14 days of opening your ufirst Private account To cancel your Annual Worldwide Family Travel Insurance your written notice of cancellation should be sent to U K Insurance Limited PO Box 106 37 Broad Street Bristol BS99 7NO Mobile Phone Insurance To cancel your Mobile Phone Insurance please call 0345 607 2538 You have the right to cancel this policy at any time however there will be no refund or reduction in the ufirst
88. oss theft of or damage to valuable items that you own We will pay up to 150 with a limit for any one item set or pair of 100 We will pay up to 100 200 providing your employer can provide written confirmation that your trip is for business reasons for buying essential items if your baggage is delayed or lost during an outward journey for more than 24 hours You must get written confirmation of the length of the delay and receipts for any items that you buy We will take any payment we make for delayed baggage from the amount of any claim if your baggage is permanently lost F2 Personal money passport and travel documents We will pay up to 200 for the following 1 For the cost of replacing your passport and personal money You must give us evidence that you owned them and evidence of their value The most we will pay for children under 16 years of age is 40 for all areas of travel Note We provide cover for theft or loss from unattended motor vehicles trailers or caravans under sub section F1 only We will only pay up to 75 for each insured person What you are not covered for 1 The first 35 of each claim for each sub section for each person 2 Breakage of fragile articles including china glass sculpture and video equipment or sports equipment whilst in use 3 Theft loss of or damage to household goods pedal cycles motor vehicles watersports equipment ski equipment golf equipment
89. ot be free Calls may be recorded 2 Mobile Phone Banking and Text Alerts MOBILE PHONE BANKING AND TEXT ALERTS Overview Our Smartphone Apps and Alerts Services give you more control of your finances when you are on the move ey features of our Smartphone Apps for iPhone BlackBerry and Android Application available free of charge from the relevant App Store Up to the minute balance available Make transfers between your Ulster Bank accounts Pay your friends family credit card or utility bills just set up and make your first payment to each new payee in Anytime Internet Banking beforehand Pay your contacts using just their mobile phone number Withdraw cash from an ATM without a debit card using the Get Cash service Locate your nearest Ulster Bank branch or Cash Machine ey features for Alerts Service Balance Alerts Once a week we ll text you your account balance on whatever day suits you best We ll let you know by text when your account goes above or below a certain limit set by you Once you ve registered we can send you a balance or mini statement text any time you like Just text BAL or MINI to the Ulster Bank Shortcode 60627 Activity Alerts If we hold a valid Mobile number for you we will automatically send you a text when a certain activity has taken place on your account such as create or amend a payee create or amend a standing order update your address or telephone details you are issue
90. ously and aim to resolve all our customers problems promptly and achieve a fair outcome To ensure that we provide the kind of service you expect we welcome your feedback We will review the complaints we receive to make sure that we continually improve the service we offer What to do if you are unhappy If you are unhappy with any aspect of the handling of your Mobile Phone Insurance claim we would encourage you in the first instance to seek resolution by contacting us By telephone 0845 607 2538 In writing either via http www ufirstaccount co uk or by letter addressed to Ulster Bank ufirst Private Account Aviva Mobile Phone Insurance PO Box 351 Southampton S030 2PJ What we ll need to know So that we can get to the bottom of your complaint straight away we need as much information as possible To help us do this please try to include the following information when you contact us Your contact details including any daytime phone numbers Your account number and sort code What your complaint is about Any names or dates you ve noted if you ve already spoken to someone about this problem Any losses you ve suffered What you d like us to do to put things right What we ll do next We ll do our best to resolve your complaint straight away If we can t we ll keep you updated step by step Step1 If we can t resolve your complaint within one week we ll contact you so you know who is dealin
91. policy A person including the family member partnership whether limited or not or company who is not insured under the policy has no rights under this policy to enforce any of its terms whether under statute or otherwise 9 We may at any time and after taking a fair and reasonable view make changes to your policy cover and or terms and conditions of insurance to a reflect changes in our expectation of the future cost of providing cover and administering your policy b reflect changes affecting us or your policy in the law regulation or the interpretation of law or regulation c to reflect decisions or recommendations of an Ombudsman regulator or similar person or any code of practice with which we intend to comply and or d in order to make them clearer and fairer to you or to rectify any mistakes that may be discovered in due course Changes will be notified to you in writing at least 30 days before they become effective Policy cover may be increased or decreased If you are unhappy with any changes we make under this section you have the right to cancel your policy in accordance with point 10 below 10 Following the expiry of your 14 day statutory cooling off period you continue to have the right to cancel this insurance at any time by contacting Ulster Bank but no refund of any fees payable in respect of your ufirst Private Account will be available 9 General Exclusions These are exclusio
92. prior to you booking the trip about whether or not it was appropriate for you to travel 11 The transport operator or their agents refusing to transport you or a relative of yours or a travelling companion because they consider that you or they are not fit to travel For example because you or a relative of yours are not allowed to board an aircraft due to intoxication Please read the general conditions and exclusions Section H Abandoning your holiday and travel delay What you are covered for We will pay up to the following limits if the start of your pre booked outward or return international journeys by aircraft sea vessel or cross channel train are delayed due to circumstances outside your control You must be delayed by at least eight hours on each occasion H1 Travel delay We will pay 10 after each full eight hour period of delay as long as you eventually go on the trip The most we will pay is up to 400 H2 Abandonment If it is necessary for you to have to cancel your outward trip as a result of a delay lasting more than 24 hours we will pay an amount equal to the cost of your trip up to 2 500 less any amounts that we can get back What you are not covered for Any claim that results from strikes or industrial action which were public knowledge before the start of your trip Conditions It is a condition of the cover provided under this section that 1 You must have checked in for your trip at o
93. prove the Priority Pass Service including without limitation to dealing with your queries and notifying you of any proposed or actual changes to the website d to improve our services including without imitation to dealing with your queries and notifying you of any proposed or actual changes o our service provision e to compile and provide anonymous statistics about our customers and provide related usage information to reputable third parties which will not in any event enable any third party to identify individuals f to compile and provide anonymous statistics about our clients or indirect users of our services and provide related usage information to reputable hird parties which will not in any event enable any third party to identify individuals g to manage our relationship with you or our clients and h to facilitate our internal business operations including but not limited to fulfilling any legal requirements Priority Pass may disclose your personal information to any member of our group which means our subsidiaries our ultimate holding company and its subsidiaries as defined in section 1159 of the United Kingdom Companies Act 2006 Priority Pass may disclose your personal information to third parties a to the extent needed to provide the Priority Pass Service to you b in the event that Priority Pass sell or buy any business or assets in which case we may disclose your personal data to the prospective se
94. provided to you at selected airport lounges around the world by way of a Priority Pass card You may bring guests into those airport lounges with you for an additional fee Priority Pass Service 1 Asa ufirst Private Account holder you will be automatically registered for the Priority Pass Service and you will be sent a Priority Pass card 2 You can use the Priority Pass Service at any time once you have received your Priority Pass card and whilst it remains valid 3 Priority Pass will automatically send you a new Priority Pass card when your existing Priority Pass card is due to expire provided that you still hold a ufirst Private Account which entitles you to use the Priority Pass Service 4 If your ufirst Private Account is closed the Priority Pass card shall be invalid effective from the date of closure You shall be liable for any lounge visits made by you or any accompanying guest using an invalid card Terms of Use Priority Pass card 1 By using a Priority Pass card you agree to and accept these Terms These Terms will prevail over any other terms and conditions provided to you in relation to use of the Priority Pass Service 2 The Priority Pass card is not transferable and is only valid up to its date of expiry and when it has been signed by you The card may not be used by any person other than the named cardholder and only one Priority Pass card may be used for each lounge visit Admittance to a lounge is condition
95. r before the recommended time 2 You get a written statement from the appropriate transport company or authority confirming the reason for the delay and how long it lasted Please read the general conditions and exclusions Section Hospital benefit What you are covered for We will pay up to 1 000 if after an accident or illness that is covered under section A Medical and other expenses of this insurance you go into hospital as an in patient abroad We will pay up to 10 for each complete 24 hour period Note The amounts we will pay under this section are meant to help you pay extra expenses such as taxi fares and phone calls Please read the general conditions and exclusions Section J Domestic pets What you are covered for We will pay 10 for each full 24 hour period of delay for extra kennel or cattery fees if the start of your original pre booked return journey by aircraft sea vessel or cross channel train is delayed because of circumstances outside your control You must be delayed at least 24 hours and we will pay up to 200 What you are not covered for 1 Any claim that results from a strike or industrial action which you knew about before the start of your trip 2 Any kennel or cattery fees you pay outside the United Kingdom Republic of Ireland or Channel Islands or as a result of quarantine regulations Conditions It is a condition of the cover provided under this section that 1 You mus
96. r plan on living outside Northern Ireland or the rest of the UK it is important to note that some of the benefits attached to your account are only available when you are visiting Northern Ireland or the rest of the UK or when you are resident in Northern Ireland or the rest of the UK For further information please log on to the Members Website at www ufirstaccount co uk or call ufirst Private Membership Services on 0345 607 2538 or from outside the UK call 00 44 2392 676 573 PRIVATE RESERVE SAVINGS ACCOUNT Private Banking offers you more a Private Banking Reserve Savings account that pays one of our highest rates of interest and offers easy access to your money We pay these interest rates every month into your account and you need at least 10 000 to open a Private Reserve Savings Account How to apply Your relationship manager will help you open your Private Reserve Savings Account Terms and conditions apply to Private Reserve Savings Account Information on our charges and interest rates is set out in our brochure A guide to personal accounts fees and interest which is available from your relationship manager in our branches or on our website at www ulsterbank co uk The most important information we ll need when you call us is your ufirst Private membership number This is made up of your branch sort code and your ufirst Private account number We have given you a space below to write your details down so you will always hav
97. r you re traveling being able to use the airport lounge is always a bonus before a flight or in transit Now you can stretch out relax make those calls or catch up on paperwork in peace As a ufirst Private customer you will be automatically registered for this benefit to access over 700 airport lounges worldwide with complimentary Priority Pass What s more you ll benefit from unlimited Lounge Visits You also have the opportunity to take additional guests for just 15 per person subject to lounge capacity and conditions Main Exclusions Entry to a lounge is conditional upon presentation of a valid Priority Pass Card Your Priority Pass Card will be sent to you in the post once your ufirst Private account has been opened e The Priority Pass programme can have lounges added or removed at any time You should always check individual lounge listings before travelling for details of location opening hours amenities etc e Some lounges may have a maximum stay limit may not allow children to enter or have other restrictions More information on Worldwide Airport Lounge Access For further information including up to date lounge information visit www ufirstaccount co uk or call Membership Services on 0345 607 2538 Please also refer to the full terms and conditions on pages 48 to 50 of this brochure Phone lines are open 24 hours a day seven days a week Call costs from networks may vary Calls from mobile phones may n
98. rers Ask us for a list of insurers we offer insurance from We only offer products from a single insurer We will advise and make a recommendation for you after we have assessed your needs You will not receive advice or a recommendation from us We may ask some questions to narrow down the selection of products that we will provide details on You will then need to make your own choice about how to proceed 5 A fee No fee for arranging non investment insurance contracts You will receive a quotation which will tell you about any other fees relating to any particular insurance policy Ulster Bank Ltd 11 16 Donegall Square East Belfast BT1 5UB is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority Our Financial Services Register number is 122315 Our permitted business is arranging non investment insurance You can check this on the Financial Services Register by visiting the FCAs website www fsa gov uk register home do or by contacting the FCA on 0800 111 6768 The Royal Bank of Scotland Group plc which is a parent undertaking of various insurance companies in the Royal Bank of Scotland Group also indirectly wholly owns and controls Ulster Bank Limited If you wish to register a complaint please contact us In writing Write to Ulster Bank Limited Complaint Handling Centre Floor 3 Danes
99. rmed of the progress we are making Changes to these Terms 26 Priority Pass reserves the right to make reasonable changes to these Terms including changes to lounge visit charges Any changes shall be notified to you by Ulster Bank at least 30 days before they come into effect The law that applies 27 To the extent permissible by local law or regulation these Terms shall be governed by and construed in accordance with English law and Priority Pass and you submit to the non exclusive jurisdiction of English courts to resolve any disputes that arise out of them 28 If any provision of these Terms is declared void that provision shall be removed and the remaining provisions of these Terms shall continue to be effective Phone lines are open 24 hours a day seven days a week Call costs from networks may vary Calls from mobile phones may not be free Calls may be recorded Your information Who we are 1 2 Your account is with Ulster Bank Limited We are amember ofThe Royal Bank of Scotland Group the Group For information about our group of companies please visit www rbs com and click on About Us or for similar enquiries please telephone 0131 556 8555 or Textphone 0345 900 5960 Your electronic information 3 If you contact us electronically we may collect your electronic identifier e g Internet Protocol IP or telephone number supplied by your service provider How we use your information and who we shar
100. rst Private account holder you are eligible for cover as long as you maintain your account You should review and update your cover periodically to ensure it remains adequate A maximum duration of 31 days per trip applies and for winter sports cover the maximum number of days per year is 17 What are the benefits provided by and significant exclusions and limitations of ufirst Private Travel Insurance The following conditions and exclusions apply to all sections of the policy wording CONDITIONS You must live in the United Kingdom Republic of Ireland or Channel Islands and have not spent more than six months abroad during the year before you bought this policy You must tell Ulster Bank ufirst Private Travel Insurance if you know about anything which may affect their decision to accept your insurance for example dangerous activities or a health condition If you are not sure whether to tell ufirst Private Travel Insurance tell them anyway We will not pay for any loss or damage caused as a result of you not acting in a reasonable way to look after your property N A EXCLUSIONS We will not cover the following Any claim arising from or resulting from a trip that you take or any person who your travel depends on if the claim relates to a medical condition or any illness related to a medical condition which you or they knew about before the trip was booked you are travelling against medical advice you
101. s Section L Ski equipment What you are covered for After taking off an amount for wear and tear and loss of value we will pay up to 1 000 for the loss theft of or damage to ski equipment owned by you with a limit for any one item set or pair of 150 What you are not covered for 1 Any loss theft of or damage to ski equipment aged over five years old The conditions and exclusions applying to section F Personal belongings baggage and money will also apply to this section Note We will take any amount we pay under this section from any amount we pay under section F Personal belongings baggage and money Please read the general conditions and exclusions Section M Ski hire What you are covered for We will pay 15 for each full 24 hour period for the costs of hiring other ski equipment we will pay up to 500 if 1 The skis that you own are lost or delayed during your trip for over 12 hours or 2 The skis that you own are lost or damaged during the course of your trip What you are not covered for 1 Any claim involving damage to your skis where you do not bring them back to the United Kingdom Republic of Ireland or Channel Islands so we can inspect them 2 Any theft or loss which you do not report to the police within 24 hours of discovering it and getting a written acknowledgement 3 Any theft delay loss of or damage to personal belongings or baggage while it is transported unless you report this at
102. s existing accessories can no onger be used we will replace your accessories with new accessories subject to the financial limit below If the user is abroad at the time of an incident leading o a claim we will not replace the phone until the user returns to the UK The user may be required to remove any personal data applications passwords and associations to external systems such as Apple iCloud or other online data storage or security systems from the phone before the claim can be processed If you claim for a phone that has been purchased from a non UK source we may choose to settle the claim by making a payment to you for the retail price you paid or the current retail value of the phone whichever is less Accessories Limit We will replace accessories where necessary up to a maximum of 250 Excess We will not pay the first part of any claim This is known as the excess and we will collect it from the account holder before replacing the phone The excess for each claim made on this policy is 75 What is not covered 1 2 3 The excess as shown above Any phone which has been manufactured wholly or substantially from precious metals stones or crystals Where the phone has been cosmetically enhanced by plating or embellishment with precious metals stones or crystals we will not pay any costs relating to these cosmetic enhancements The replacement phone will be the manufacturer s
103. s that may access and use the information recorded by fraud prevention agencies may do so from other countries We can provide the names and addresses of the credit reference and fraud prevention agencies we use if you would like a copy of your information held by them Please contact your branch The agencies may charge a fee 3x Ulster Bank
104. se take time to read the following as it contains important information relating to the details you have given or should give to us You should show this notice to anyone whose data has been supplied to us in connection with your policy To prevent and detect fraud we may at any time Share information with other organisations and public bodies including the police although we only do so in compliance with the Data Protection Act 1998 Check and or file details with fraud prevention agencies and databases and if we are given false or inaccurate information and we identify fraud we will record this We and other organisations may also use and search these agencies and databases from the UK and other countries to help make decisions about the provision and administration of insurance credit and related services for you and members of your household trace debtors or beneficiaries recover debt prevent fraud and to manage your accounts or insurance policies or check your identity to prevent money laundering unless you provide us with other satisfactory proof of identity Law enforcement agencies may access and use this information We and other organisations may also access and use this information to prevent fraud money laundering and terrorist financing for example when Checking applications for and managing credit and other facilities and recovering debt Checking insurance proposals and claims Checking det
105. shall not be liable for any loss suffered by you and any guests as a result of you failing to comply with these Terms or any lounge conditions The Priority Pass group of companies shall not be held responsible for any disputes or claims that may occur between you and or any guests and a ounge operator All such disputes must be settled directly with the relevant lounge and Priority Pass shall not be liable for any costs damages losses or expenses related to such disputes You agree that you will defend and hold harmless the Priority Pass group of companies its directors officers employees and agents from all liabilities damages losses claims suits judgments costs and expenses including reasonable legal fees for injury to or death of any person or damage to or destruction of any property arising out of the use of any lounge by you or any other person accompanying you except in the event of acts of gross negligence or wilful misconduct by the Priority Pass group of companies its directors officers employees and agents Your information 20 Priority Pass will process any personal data which we 21 collect from you to the extent needed to provide the Priority Pass Service Priority Pass will use information held about you in the following ways a to provide the Priority Pass Service to you b to provide the Priority Pass Service to our clients where this requires processing user data on their behalf c to im
106. standard design and specification Any claim where the incident occurred whilst the phone was being used by someone other than the user Any claim for theft or loss that occurs whilst the user has deliberately left the phone unattended and unsecured By unattended we mean the phone is left out of arm s reach with no one known to the user paying attention to looking after or watching the phone By unsecured we mean the phone is left in a place where it can be easily taken by a person the user does not know without them having to use force and or violence except a where the phone is in your private residence or the private residence of someone known to the user and the user is also present in that private residence at the same time or b where the phone is in the user s workplace and they have taken reasonable steps to ensure the phone is not in plain sight c resulting from the phone having been given to or left in the control or possession of someone other than the user Any claim for breakdown due to a failure to follow the manufacturer s instructions and or installation guide b any external cause such as a software virus software or accessories which are not approved by the manufacturer or faults in any external electrical supply connection c any issue that is covered under the manufacturer s warranty Any claim for theft or loss of the phone from an unattended vehicle unless the phone has
107. t and travel documents for the same day of travel as required in the relevant country of travel Please note some lounges in Europe are located within designated Schengen areas of the airport which means that access is only provided to these lounges if cardholders are travelling between Schengen countries an up to date list of Schengen countries is detailed at http ec europa eu dgs home affairs what we do policies borders and visas schengen index_en htm Admittance to lounges is subject to you and any guests including children behaving and dressing in accordance with the relevant lounge terms and conditions and any person not complying with such terms and conditions may be asked to vacate the ounge facilities General 16 Lost stolen or damaged Priority Pass cards are to be notified as soon as reasonably possible to Priority Pass by calling 0345 607 2538 Priority Pass shall be responsible for providing a replacement Priority Pass card The Priority Pass group of companies reserves the right at any time in its sole discretion and without notice or further communication to revoke membership to the Priority Pass Service if you materially breach these Terms or in a lounge operator s sole discretion if you breach any lounge conditions To the fullest extent allowed by law the Priority Pass group of companies accepts no responsibility for your actions or your belongings when using any participating lounge and
108. t Authority Their address is Financial Ombudsman Service Exchange Tower Harbour Exchange Square London E14 9SR Telephone 0800 023 4567 or 0300 123 9 123 You can visit the FOS website at www fos org uk The FOS will contact us for you The FOS will tell you its decision direct Being referred to the FOS will not affect your legal rights If you are a business and for any reason your complaint falls outside of the jurisdiction of the FOS then we will still respond to your complaint but if we cannot sort out the differences between us you will not be able to refer the matter to FOS However this will not affect your legal rights Under the Financial Services and Markets Act 2000 should the company be unable to meet all its liabilities to policyholders compensation may be available Insurance advising and arranging is covered for 90 of the claim without any upper limit For compulsory classes of insurance insurance advising and arranging is covered for 100 of the claim without any upper limit Information can be obtained on request or by visiting the Financial Services Compensation Scheme www fscs org uk ufirst Private Travel Insurance is provided and underwritten by U K Insurance Limited U K Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority Registered Office The Wharf Neville Street Leeds LS1 4AZ Registered No
109. t have checked in for your trip at or before the recommended time 2 You get a written statement from the appropriate transport company or authority confirming the reason for the delay and how long it lasted 3 Any amount we pay under this section only applies to domestic cats or dogs that you own 4 You must get a written statement from the appropriate kennel or cattery confirming any extra charges that you have to pay Please read the general conditions and exclusions Section K Piste closure What you are covered for We will pay up to 300 if as a result of not enough snow in your pre booked holiday resort all lift systems are closed for more than 24 hours We will pay for either 1 The cost of transport to the nearest resort up to 30 for each full 24 hour period or 2 Up to 30 for each full 24 hour period if you are unable to ski and there is no other ski resort available Conditions It is a condition of the cover provided under this section that 1 You get a written statement from the management of the resort confirming the reason for the closure and how long it lasted 2 The pre booked holiday resort where you are staying is at least 1 000 metres above sea level and 3 If you buy this insurance within 14 days of the date you plan to leave and that you do know about any reason that could cause you to claim under this section we will not provide cover for you Please read the general conditions and exclusion
110. the solicitor and us and not do anything that might harm your claim If we ask you must tell the solicitor to give us any documents or information that they have or know about Appointing a Solicitor f we accept your claim we or a solicitor we appoint will try to negotiate a settlement without having to go to court f it is necessary to take your claim to court or if there is a conflict of interests you have the right to choose the solicitor who acts for you Otherwise we will appoint a solicitor to act for you We or you will appoint a solicitor to act for you in ine with our standard terms of appointment ask us if you want a copy You must not agree any charges with the solicitor without getting our permission first f a solicitor refuses to continue acting for you with good reason or if you dismiss them without good reason your cover will end immediately unless we agree to appoint another solicitor You must tell Your Solicitor to do the following Get our written permission before instructing a barrister or an expert witness Tell us immediately if it is no longer more likely than not that you will be successful with your claim We can do the following Contact the solicitor at any time and they must co operate fully with us at all times Decide to settle your claim by paying the amount in dispute If your claim is not for damages we may decide to settle your claim by paying you the equiva
111. thout formally agreeing an arranged overdraft or you exceed your arranged overdraft limit this is called an Unarranged Overdraft When this happens you will incur Unarranged Overdraft interest as well as the Maintenance Charge You may also have to pay the Paid Referral Fee and the Guaranteed Card Payment Fee For full details of the interest and charges please see our A Guide to Personal Account Fees and Interest brochure How to apply When opening your ufirst Private Current Account you can apply for an interest free arranged overdraft buffer of up to 1 000 depending on your circumstances Lending criteria terms and conditions apply Credit facilities are available to over 18s only Please contact the Private Banking Support team for details PREFERENTIAL ARRANGED OVERDRAFT INTEREST RATE Beyond your interest free arranged overdraft buffer an arranged overdraft is a very useful facility to cover any unexpected spending By opening a ufirst Private account you can take advantage of a preferential arranged overdraft rate How it works You can apply for a higher arranged overdraft limit above the interest free arranged overdraft buffer A preferential arranged overdraft interest rate is available for our ufirst Private customers If your arranged balance should exceed the interest free arranged overdraft buffer on your account then the entire arranged overdraft balance will be charged at the preferential arranged overdraft interest rate
112. tself 15 Any claim if the phone has been modified with technical enhancements or repaired by someone other than the manufacturer or one of its authorised repair agents If a phone has been modified cosmetically the phone will be covered but not the cosmetic enhancements 16 Loss of stored information including but not limited to any data downloads videos photos music and applications 17 Any costs relating to the recompilation and or re installation and or retrieval of data 18 Any claim caused by a government or public authority confiscating the phone 19 Any claim for a phone that is not owned and used by the account holder or family member 20 Anything mentioned in section 9 General Exclusions 7 Unauthorised Use What is covered If the phone is lost or stolen and the claim is accepted by us we will cover the costs of any unauthorised use up to the limit shown below Claims Conditions 1 The user must report the loss or theft of the phone to the network provider within 24 hours of discovering the loss or theft 48 hours if the user is abroad at the time of the loss 2 Ifthe user has a pay monthly contract you must provide us with an itemised bill from their network provider which clearly shows the unauthorised use and the costs incurred We may also request previous itemised bills from you You must send us any bills we request as soon as reasonably possible 3 If the user is on a pay as you go arrangement
113. u Bookings can only be made for events taking place in the United Kingdom and the Republic of Ireland Tickets for Sporting Events cannot be booked 28 through the Ticket Concierge Service The Ticket Concierge Service can only source tickets where they are available at face value You must provide credit or debit card details to secure your tickets and payment in full is required at the time of booking If you book tickets for an event taking place within the Republic of Ireland you will be charged in pounds sterling using the average daily prevailing currency exchange rate as published by www oanda com on 29 the previous business day to the day of the time of booking which will be advised by the Ticket Concierge 30 Service adviser 27 For telephone bookings the Ticket Concierge Service purchases tickets from agents and venues on behalf of ufirst Private account holders and has no control over the events f you book by telephone you will be asked to provide an email address so that the Ticket Concierge Service can issue you with a confirmation of your booking and your booking reference which you should have with you on arrival at the event venue f you cannot provide an email address your booking confirmation will be sent to you by post to the address you provide at the time of booking TICKETS Tickets cannot be refunded or exchanged You may purchase as many tickets as are available for the event or as stipulated by th
114. words people insured on the same policy trying to make a claim against each other 4 Legal costs and expenses that you have paid or will have to pay before we have agreed to them 5 Claims reported more than 180 days after the date you knew or should have known about the incident leading to the claim 6 Any fines penalties compensation or damages which you are ordered to pay by a court or other organisation 7 The first 75 of each claim for each person 8 Legal costs if you stop or settle a claim or withdraw instructions from solicitors without good reason If this occurs you will have to refund any costs and expenses We have paid or agreed to pay during your claim See also General Exclusions on page 39 Conditions If you do not keep to the following conditions we may refuse any claim and withdraw from any current claim You must do the following give us full details of your claim and any other information that we or the solicitor ask you for You must pay any costs involved in providing this information tell us about any developments affecting your claim tell us if the solicitor refuses to continue to act for you or if you withdraw your instructions tell us if anyone makes a payment into court or offers to settle your claim try to get back costs that we have to pay and pay them to us get our agreement in writing before you try to negotiate or settle a claim and co operate fully with
115. you would be made redundant 7 f the police need you to stay after a fire flood or burglary at your home within 48 hours before the date you planned to leave 8 A medical practitioner advising you against travel for any reason Part 2 Catastrophe cover If during your trip you can no longer stay at your pre booked and prepaid accommodation because of fire storm lightning avalanche explosion hurricane earthquake flood or tidal wave medical epidemic pandemic We will pay the necessary extra travel and accommodation expenses to allow you to continue with your trip or return to the UK if you cannot continue with your journey up to a maximum of 500 per person Exclusions In addition to the General Conditions we will not pay for any claim directly or indirectly resulting from a You changing your mind to travel or continue with your trip when the local or national authorities confirm that it is safe to stay or b Expenses you can recover from elsewhere Conditions You must send us a The original booking invoices and travel documents showing the dates and times of travel and b Written confirmation of the disaster from the local or national authority of the area where it happened Part 3 Home Care We will pay for emergency and necessary repairs up to 250 to secure your home while you are on a journey following fire flood or theft You

User Guide - Ulster Bank

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