Live. Earn. Drive.

Rules & Summary of Insurances

Everything you need to know
about The GM Card.

LEGAL INFORMATION CONCERNING THE GM CARD

  1. The GM Platinum Card
  2. The GM Card Rebate Points Programme Rules
  3. Company Car Component
  4. The Great Rebate Points Giveaway Terms and Conditions
  5. Complaints
  6. Safe Shopping Promise

ADDITIONAL INFORMATION

  1. Travel Accident Insurance - Policy Summary
  2. Payment Protection Insurance - Policy Summary
  3. Sentinel® Card Protection - Policy Summary

The GM Platinum Card

Rebate Points are earned on purchases using The GM Card. You earn money off a Vauxhall/Saab by accumulating Rebate Points under the Rebate Points Programme. Rebate Points are not earned on Balance Transfers or Cash Advances. You can redeem up to 2,500 Rebate Points and unlimited Partner Points subject to the Model Line Maximum which will vary in amount in relation to different Vauxhall/Saab vehicle model lines. Rebate Points and unlimited Partner Points are redeemable as discounts on a new Vauxhall/Saab vehicle and must be redeemed within four years from the issue date. Rebate Points may not be redeemed by Motability Contract Hire customers. Partner Points may be earned as a percentage of eligible purchases at GM Card Partners. Partner Points are earned on such purchases at Vauxhall Retailers and Saab Dealers (excluding purchases on petrol and vehicles).

'The GM Card' is the trading name of Vauxhall Motors Ltd. Vauxhall Motors Ltd is solely responsible for the operation of the Rebate Points Programme, which is subject to the Rebate Points Programme Rules. The GM Card is issued by HFC Bank Limited which is authorised and regulated by the Financial Services Authority and is not a member of the same group of companies as Vauxhall Motors Ltd. Details are correct at time of publishing, May 2005.

HFC Bank Limited is a member of the British Bankers' Association and Finance and Leasing Association and subscribes to the Banking Code and the Finance & Leasing Association (FLA) Code of Practice. These codes are available on the British Bankers' Association and Finance & Leasing Association websites.

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The GM Card Rebate Points Programme Rules

The GM Platinum Card

Rebate Points are earned on purchases using The GM Card. You earn money off a Vauxhall/Saab by accumulating Rebate Points under the Rebate Points Programme. Rebate Points are not earned on Balance Transfers or Cash Advances. You can redeem up to 2,500 Rebate Points and unlimited Partner Points subject to the Model Line Maximum which will vary in amount in relation to different Vauxhall/Saab vehicle model lines. Rebate Points and unlimited Partner Points are redeemable as discounts on a new Vauxhall/Saab vehicle and must be redeemed within four years from the issue date. Rebate Points may not be redeemed by Motability Contract Hire customers. Partner Points may be earned as a percentage of eligible purchases at GM Card Partners. Partner Points are earned on such purchases at Vauxhall Retailers and Saab Dealers (excluding purchases on petrol and vehicles).

'The GM Card' is the trading name of Vauxhall Motors Ltd. Vauxhall Motors Ltd is solely responsible for the operation of the Rebate Points Programme, which is subject to the Rebate Points Programme Rules. The GM Card is issued by HFC Bank Limited which is authorised and regulated by the Financial Services Authority and is not a member of the same group of companies as Vauxhall Motors Ltd. Details are correct at time of publishing, May 2005.

HFC Bank Limited is a member of the British Bankers' Association and Finance and Leasing Association and subscribes to the Banking Code and the Finance & Leasing Association (FLA) Code of Practice. These codes are available on the British Bankers' Association and Finance & Leasing Association websites.

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The GM Card Rebate Points Programme Rules

1. Introduction

In addition to the ability to use The GM Card in accordance with the Terms and Conditions, all Cardholders are entitled to apply to join the Rebate Points Programme (“the Programme”) to enable them to accumulate points (“GM Card Rebate Points”) to be redeemed according to the rules set out below. These rules are made up of two parts, the Core Programme and the Company Car Component.

2. Participation

To participate in the Core Programme you must:

  1. 2.1   be a private individual.
  2. 2.2   apply to Vauxhall Motors Limited (“Vauxhall”) for enrolment in the Programme using the special section of the application form for The GM Card. Enrolment in the Programme then takes effect on issue of your GM Card. The authorised name on the Programme is the name of The GM Card account holder. Vauxhall reserves the right to disqualify any person from participation in the Programme if that person has breached any of these Programme rules. Disqualification may result in termination of an individual's participation and loss of any accumulated GM Card Rebate Points.
  3. 2.3   be a GM Cardholder in Good Standing (as referred to in clause 8 below) with the issuing bank, HFC Bank Limited (“HFC”). HFC maintains a GM Card Rebate Points Centre to answer questions about your GM Card Rebate Points account (“account”), including confirmation of your GM Card Rebate Points total when you wish to redeem them. You may call The GM Card Rebate Points Centre on 0870 600 0456 or write to The GM Card, PO Box 3615, Birmingham B3 2RJ.
3. Earning GM Card Rebate Points

GM Card Rebate Points are earned in two ways, based on eligible purchases with the Card. Firstly, GM Card Rebate Points are earned as a percentage of all eligible purchases, as set out in clause 4 below. These points are referred to as “Rebate Points”. Currently there is a 3% earning rate. This means that you will earn 3 Rebate Points for every £100 spent on eligible purchases. This rate is variable at Vauxhall's discretion. Vauxhall will give not less than 60 days' notice of any change in the earning rate. Secondly, additional GM Card Rebate Points may be earned as a percentage of eligible purchases at GM Card Partners as identified by Vauxhall. These are referred to as “Partner Points”. You will be notified of the earning rate for GM Card Partners, as they are announced. Any change to the earning rate will take effect from the date notification is sent to you. There is no limit to the number of Rebate Points and Partner Points that may be earned subject to clause 5 below. From time to time, Vauxhall may offer special promotions to provide additional opportunities to earn GM Card Rebate Points.

4. Eligible Purchases

Only purchases of goods and services which are not returned or otherwise the subject of credit to your account are eligible for GM Card Rebate Points. Cash Advances, including foreign currency, travellers' cheques, automated teller machine (ATM) withdrawals, Balance Transfers, credit card insurance premiums and account charges are excluded. Eligible purchases may be made anywhere in the world. Purchases of petrol and vehicles from franchised Vauxhall Retailers/Saab GB Dealers are eligible purchases but are excluded from Partner Points.

5. Validity of Rebate Points

Each GM Card Rebate Point (i.e. each Rebate Point and each Partner Point) may be redeemed from the date it appears on your GM Card statement until the 4th anniversary of its appearance on your statement. In the event that your account is closed by HFC because you breach the GM Cardholder Agreement or you become bankrupt the Programme will automatically terminate and all existing GM Card Rebate Points will be forfeited immediately and will not be capable of being redeemed. Should you close your GM Card Account, any accumulated GM Card Rebate Points may be redeemed for a maximum of 180 days thereafter (unless your account is in default, in which case no redemption is possible).

6. Statements

Information about the Programme and GM Card Rebate Points accumulated on your account is included on your GM Card monthly statement, sent to you by HFC. You may not receive a monthly statement if there is no activity or balance on the account. Information about a particular account will only be provided to the account holder or to such other persons as authorised. If your account discrepancies are not brought to the attention of The GM Card Rebate Points Centre within four months from the date of the transaction for which adjustment is sought you will not be entitled to an adjustment.

7. Redeeming Your GM Card Rebate Points

GM Card Rebate Points can be redeemed against new Vauxhall/Saab vehicles (as defined in clause 9 below) to be first registered in The GM Card account name shown on The GM Card as issued, or any additional cardholder or an authorised transferee, as referred to in clause 11 below, excluding Motability Contract Hire customers. In addition, vehicles purchased via personal contract or other schemes authorised by your employer as a benefit of your employment are also excluded but will qualify for the Company Car Component. The maximum GM Card Rebate Points you may redeem is the lower of the amount on your latest monthly statement or the current balance subject to the “Model Line Maximum”, in relation to Rebate Points plus unlimited Partner Points. The “Model Line Maximum” is the maximum amount of Rebate Points permitted to be redeemed against each new Vauxhall/Saab vehicle model line as determined by Vauxhall from time to time. This maximum will vary in amount in relation to different Vauxhall/Saab vehicle model lines e.g. Vectra, Astra, Corsa and is subject to change. Details of any such changes to the Model Line Maximums will be communicated to you via your GM Card statement and will be valid for the period stated therein. To find out your current balance, ring The GM Card Rebate Points Centre on 0870 600 0456. After you have selected your vehicle and agreed terms with the authorised Vauxhall Retailer/Saab GB Dealer representative, inform him/her that you would like to redeem your GM Card Rebate Points. He/She will then confirm with The GM Card Rebate Points Centre the number of Points that can be redeemed. This redemption process can only take place before the vehicle is registered. Upon issue of an authorisation number by The GM Card Rebate Points Centre, your GM Card Rebate Points will be deducted from your account and applied against the acquisition cost (as defined below) of your new Vauxhall/Saab vehicle. Confirmation of the GM Card Rebate Points redeemed will appear on a future GM Card monthly statement or in a separate communication. “Acquisition cost” is the total cost of the vehicle agreed with the Retailer/Dealer before any finance/payment arrangements are applied. For example, if an acquisition cost of £10,000 (including VAT) is agreed with the Retailer/Dealer, and the Cardholder has 2000 GM Card Rebate Points (worth £2000), the 2000 Points are deducted at this point. The amount of the deposit and instalments can then be calculated based on the net figure of £8000. Only one redemption (including redemptions made under the Company Car Component set out below) can be made on one vehicle. GM Card Rebate Points may not be redeemed in any circumstances where a customer's vehicle is exchanged for any reason. If, as a result of subsequent returns or for other reasons, you redeem more GM Card Rebate Points than that to which you are entitled, the value of such excess rebate will be due to Vauxhall. Your GM Card Rebate Points cannot be redeemed for cash.

8. Good Standing

Your GM Card Rebate Points may not be redeemed while your account is in default under the Terms and Conditions of The GM Card Cardholder Agreement with HFC.

9. Eligible Vauxhall/Saab Vehicles

Your GM Card Rebate Points may be applied in accordance with clause 7 above toward your acquisition from an authorised UK Vauxhall Retailer/Saab GB Dealer of a new Vauxhall/Saab vehicle save that certain new models of variants may be excluded as notified from time to time. Any vehicles already registered will not qualify for redemption.

10. Pooling of GM Card Rebate Points

When using GM Card Rebate Points toward the acquisition of a new Vauxhall/Saab vehicle, only GM Card Rebate Points from one GM Card Rebate Points account may be used for each vehicle, with the exception of separate accounts held by two cardholders registered at the same address. No other pooling is allowed.

11. Transfer of your GM Card Rebate Points

GM Card Rebate Points may only be transferred by The GM Card account holder to the following family members who are not GM Card account holders themselves: parents, spouse, siblings, children, grandparents, grandchildren, uncles, aunts, nephews, nieces, step-parents, step-children and in-laws. Proof of relationship must be provided upon request. In order to carry out such a transfer, The GM Card account holder must call The GM Card Rebate Points Centre on 0870 600 0456 to authorise the transfer and to provide the required transferee information. At the time of redemption, the transferee must identify him/herself to the Retailer/Dealer as The GM Card Rebate Points recipient. In addition your GM Card Rebate Points may not be transferred to any person, other than the relatives mentioned above, for use in the Company Car Component. Your GM Card Rebate Points may not be brokered, bartered, sold or transferred upon divorce, death, bankruptcy or otherwise.

12. Taxes

Determination of income or other tax liability related to participation in the Programme is the responsibility of the account holder or transferee. Vauxhall does not make any representations as to the current or future tax consequences to the account holder or transferee of the earning, transfer, use, redemption, termination or disposition of The GM Card Rebate Points.

13. Audit

Vauxhall reserves the right to audit a Cardholder's GM Card Rebate Points account for compliance with these rules. In the event an audit reveals discrepancies, the earning and redemption of GM Card Rebate Points may be delayed until they are resolved.

14. Termination

Vauxhall reserves the right to amend or terminate the Programme in the event that there are major changes in the credit card or vehicle markets in the UK the effect of which would render it unreasonable to continue The GM Card and/or the Programme in its present form. In such circumstances Vauxhall will give such notice as considered reasonable taking into account the nature of any such major changes.

15. Changes

Vauxhall may from time to time change the Programme rules, restrictions or benefits either in accordance with the clauses above including without limitation clauses 5 and 7 or in the event that major changes occur in the vehicle or credit card markets in the UK which would render it unreasonable for the Programme to remain in its current form. In such circumstances Vauxhall will give such notice as is considered reasonable taking into account any such major changes.

16. Retailers and GM Card Partners

Nothing in these rules shall be construed to establish any agency, partnership (despite the nomenclature “GM Card Partners”) or joint venture relationship between Vauxhall and authorised Vauxhall Retailers/Saab GB Dealers or GM Card Partners. Vauxhall is not responsible, and assumes no liability, for changes in or discontinuance of Retailer or GM Card Partner services which may affect the Programme benefits.

Vauxhall Motors Limited is solely responsible for originating applications for The GM Card and for The GM Card Rebate Points Programme. HFC Bank Limited, the issuing bank for The GM Card, is solely responsible for operation and administration of Card account credit matters and maintains a GM Card Rebate Points Centre to answer GM Card Rebate Points questions and a Customer Service Centre to answer credit-related questions. These rules are valid from 1st April 2005, and in the event of any conflict between these rules and any statements made by authorised Vauxhall Retailers/Saab GB Dealers, The GM Card Rebate Points Centre, Vauxhall or HFC, these rules will prevail.


COMPANY CAR COMPONENT
1. Introduction

In addition to being able to redeem their GM Card Rebate Points against the retail acquisition of a new Vauxhall/Saab vehicle, company car drivers can benefit from this special Company Car Component of the Programme. This is designed to allow you to redeem your GM Card Rebate Points in the form of vouchers, following the registration of a new Vauxhall/Saab vehicle as your company car.

2. Participation

To participate in the Company Car Component you must be eligible to participate in the Programme and:

  1. 2.1   be an employee of a company
  2. 2.2   have a company car allocated for your exclusive use, or have purchased a car under a personal contract or other scheme authorised by your employer as a benefit of your employment (excluding demonstration vehicles) and
  3. 2.3   not be an employee of Vauxhall Motors Ltd/Saab GB Limited, a Vauxhall Motors Ltd/Saab GB Limited associated company, or a Vauxhall Retailership/Saab GB Dealership.
  4. 2.4   employees of rental companies are not eligible to participate in this element of the Programme, as vehicles may be supplied on different supply terms.
3. Programme Rules

The rules of the Programme apply to the Company Car Component of the Programme except as described in these rules.

4. Redeeming under the Company Car Component

The maximum number of GM Card Rebate Points that may be redeemed under the Company Car Component is lower of the amount shown on your monthly statement or 500 GM Card Rebate Points. Account holders will qualify for vouchers with a face value of the number of GM Card Rebate Points to be redeemed. For example if you redeem 100 GM Card Rebate Points in your account against the registration of a Vauxhall/Saab vehicle as your new company car, then £100 of vouchers will be sent to you, once your claim has been verified. 100 GM Card Rebate Points will be subtracted from your GM Card Rebate Points account. After your new Vauxhall/Saab vehicle is first registered and delivered to you, you should contact The GM Card Rebate Points Centre on 0870 600 0456 who will send you a claim form and an authorisation form. You must complete the claim form and ask your employer's authorised representative to complete the authorisation form. The claim form will state the number of GM Card Rebate Points available for redemption. The Company Car Claim Form and all supporting documentation must be returned to the address given within four months of the date of registration of the vehicle. The Company Car Claim Form will specify the choice of vouchers that are available. Vauxhall reserves the right to change the vouchers offered at any time on notice. After the Company Car Claim Form has been verified the vouchers will be posted to The Cardholder and The GM Card Rebate Points deducted from the account. Claims for GM Card Rebate Points will be rounded down to the nearest multiple of 5, with the balance remaining in your account. If, as a result of subsequent returns or for other reasons, you redeem GM Card Rebate Points greater than that to which you are entitled, the value of such excess will be due to Vauxhall.

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THE GREAT REBATE POINTS GIVEAWAY TERMS AND CONDITIONS

Offer open to GM Card account holders or an eligible relative for the first redemption and The GM Card account holder or an eligible relative for the second redemption, who must be the registered owners of the respective vehicles purchased using this offer.

Offer open for customer new car registrations from 01.04.2006 - 31.03.2007 inclusive. The second vehicle must be registered within 12 months of the first vehicle registration within the offer period (01.04.2006 - 31.03.2007). When you redeem your Rebate Points on a new car through the scheme you - or an eligible relative- will be able to redeem up to the same number of Rebate Points against a second new car, subject to the Model Line Maximum in each case. This offer is valid for GM Card account holders and may also be transferred by The GM Card Account holder to the following eligible family members (not being GM Card account holders themselves): parents, spouse, siblings, children, grandparents, grandchildren, uncles, aunts, nephews, nieces, step-parents, step-children and in-laws. Proof of relationship must be provided on request. The GM Card account holder must call The GM Card Rebate Points Centre on 0870 600 0456 to confirm the second redemption amount (subject to the Model Line Maximum) and provide transferee information. At the time of the second redemption, the transferee must identify him/herself to the Retailer as The GM Card Rebate Points recipient. In addition, neither your GM Card Rebate Points nor the second set of Rebate Points made available can be transferred to any other person, other than the relatives mentioned above. The transferred Points are not eligible for the Company Car Component. The second redemption is available to private individuals (Sales Type 01 on OSC) only. All other sales categories are excluded including Vauxhall Partner and Associate Sales.

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COMPLAINTS

At HFC Bank, we aim to provide the highest standards of service and care to our customers.

Our staff are trained to do this, and are committed to providing you with the best possible service at all times. Even the best organisations sometimes make mistakes, and if we do, or we fail to meet your expectations in some other way, we want the opportunity to put things right as quickly as we can. We operate a simple complaint procedure, which aims to resolve any problem quickly and effectively. In addition, HFC Bank subscribes to the Banking Code, as well as being a member of the Financial Ombudsman Service and the Finance and Leasing Association.

We aim to resolve your concerns within 24 hours, but sometimes it may take longer to put the matter right. Where this is the case, we have set up a three-step procedure to resolve your complaint quickly and easily.

  1. 1.   If you have a complaint, please raise it with our Customer Services department, by telephone or in writing. If you telephone and the matter can easily be put right, we will do so, and that will be the end of the matter. Where we are unable to do so, or where you have written in the first instance, we will write and tell you who is dealing with your complaint and when you can expect a response.
  2. 2.   In the unlikely even that you remain unhappy, you can ask for the complaint to be progressed to the next stage where the matter will be reviewed by a Senior Manager. We expect that this will bring the matter to a mutually agreeable solution. In the unlikely event that you remain dissatisfied you can ask for the matter to be referred to the Chief Executive Officer which is the third stage of our complaints procedure.
  3. 3.   Should you need to write to the Chief Executive's Office a separate investigation will be carried out and the Bank's final response issued to you. This means you have reached the end of our internal complaints procedure, and you may then consider referring your complaint to the Financial Ombudsman Service.

The Financial Ombudsman Service is an independent adjudicator who can investigate and resolve outstanding disputes between financial services companies and their customers if we have failed to resolve your complaint within eight weeks of you bringing the matter to our attention. You have the right to have your complaint investigated by the Ombudsman impartially and independently, free of charge, any adjudication by the FOS will not affect your legal rights. HFC Bank has agreed to accept the awards and impartial decisions made by the Financial Ombudsman Service.

A copy of our Internal Complaints Procedures, the Banking Code, the Finance & Leasing Association Code and details of the Financial Ombudsman scheme can be obtained on request from your local branch or Customer Services if required.

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SAFE SHOPPING PROMISE
Worried about shopping on the net?

Don't be. It's as safe as any other way of buying something with a credit card. That's why we're making you this promise.

You won't be liable for any fraudulent use of your GM Card, or card number, on the Internet.

So basically you're covered if:
You or your additional cardholder give your card details to a retailer and they use it
Someone steals your card or your details and uses them online

Just to make things clear, you're not covered if:
You or your additional cardholder give your card details to a friend and they use it.

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Keyfacts

TRAVEL ACCIDENT INSURANCE POLICY SUMMARY

The document summarises the main features, benefits and exclusions of your Travel Accident Insurance. It does not contain the full terms and conditions of the insurance, which can be found in your certificate of cover.

What is Travel Accident Insurance?
This cover is not intended as a substitute for normal travel insurance and you may need additional cover for accidents, medical treatment and personal belongings.

Travel Accident Insurance pays benefits if during a journey paid for entirely, or in part, with your GM Card, you, your spouse or dependant child (up to age 19, or 23 if in full time education), have an accident which results in injury, total and permanent disability or accidental death.

How much does Travel Accident Insurance cost?
Travel Accident Insurance is a free benefit to all GM Cardholders.

Who provides this cover?
Travel Accident Insurance is provided by Hamilton Insurance Company Limited and governed by English law.

What am I covered for?

BENEFITS Standard Credit Cardholder Platinum Credit Cardholder
Cardholder or spouse Dependant child Cardholder or spouse Dependant child
Accidental death £150,000 £15,000 £250,000 £25,000
Total and permanent disability £150,000 £15,000 £250,000 £25,000
Loss, or loss of use, of one or more limbs £150,000 £15,000 £250,000 £25,000
Loss of, or loss of sight in, one or both eyes £150,000 £15,000 £250,000 £25,000

The maximum total benefit payable under this policy for Standard Cardholders is £150,000 and for Platinum Cardholders is £250,000.

When would I not be covered?
There are some exclusions to the Travel Accident Insurance. A summary is listed below (please refer to your certificate in the 'Exclusions' section for the full list of exclusions).

When will the policy end?
Travel Accident Insurance will remain in force for the duration of your credit card agreement, unless Hamilton Insurance cancels your cover by giving you 30 days' written notice.

Can I cancel this cover?
As Travel Accident Insurance is free there are no cancellation rights. However, there is no obligation for you to claim under this policy in circumstances where you are entitled.

How do I make a claim?
If you wish to make a claim, please call Hamilton Insurance on 0870 010 0575 to obtain a claim form. Alternatively, please write to: Hamilton Insurance, PO Box 11206, Birmingham, B3 2YG, United Kingdom.

What should I do if I have a complaint?
If you have a question or complaint regarding your Travel Accident Insurance, you should either write to Hamilton Insurance at PO Box 11206, Birmingham, B3 2YG, United Kingdom or call 0870 010 0575.

If you are still dissatisfied, you should write to the Managing Director of Hamilton Insurance Company Limited at the Registered Head Office , North Street, Winkfield, Windsor, Berkshire, SL4 4TD, United Kingdom. Finally, if you remain dissatisfied, you can ask the Financial Ombudsman Service (FOS) at South Quay Plaza, 183 Marsh Wall, London, E14 9SR, United Kingdom (Telephone 0845 080 1800, www.financial-ombudsman.org.uk) to review your case. Contacting the FOS, will not prejudice any right of legal action which you may have under this cover.

What happens if the insurer is unable to meet its liabilities?
If Hamilton Insurance is unable to meet its obligations under this insurance, you may be able to claim compensation under the Financial Services Compensation Scheme (FSCS). The first £2,000 of a claim is protected in full. For amounts above this threshold, 90% of the remainder of the claim will be met. Further details are available from the Financial Services Compensation Scheme, 7th Floor, Lloyds Chambers, Portsoken Street, London, E1 8BN, United Kingdom (www.fscs.org.uk). Telephone 0207 892 7300, email: enquiries@fscs.org.uk

Hamilton Insurance is a trading name of Hamilton Insurance Company Limited (Registered in England No.1655888, FSA Register No. 202671), an incorporated company limited by shares and members of the Association of British Insurers and the FOS. Authorised and regulated by the Financial Services Authority, Registered Office: North Street, Winkfield, Windsor, Berkshire, SL4 4TD, United Kingdom.

Member HSBC Group


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Keyfacts

PAYMENT PROTECTION INSURANCE (PPI) POLICY SUMMARY

This document summarises the main features, benefits and exclusions of PPI. It does not contain the full terms and conditions which are set out in the policy document, a copy of which you will receive if you apply for PPI.

What is PPI?
PPI is an optional insurance policy which protects your card repayments if you cannot work due to accident or sickness, become unemployed through no fault of your own, suffer a total and permanent disability, or die.

How much does PPI cost?
The monthly premium for PPI is 79p, including Insurance Premium Tax, for every £100 of your outstanding balance as at the statement date.

Am I eligible?
You can take out PPI as long as you are aged 18 but under 80, and resident in the UK, Isle of Man or the Channel Islands.

Who provides this cover?
PPI is provided by Hamilton Life Assurance Company Ltd and Hamilton Insurance Company Ltd and is governed by English law.

What am I covered for?
If you are unable to work due to accident, sickness or unemployment, Hamilton Insurance will pay you a monthly benefit of 10% of the outstanding balance as shown on your last statement, from the first day you are unable to work, once you have been unable to do so for 30 consecutive days. Claims will be payable for a maximum of 12 months for any one claim and the maximum payable each month is £1,000. You can only claim if you are actively working (i.e. not off sick) for at least 16 hours a week immediately prior to the event which gives rise to the claim.

If you do not work and you suffer an accident or sickness which requires you to be in hospital for at least 7 days, Hamilton Insurance will pay 1/30th of the monthly benefit for each day that you are confined in hospital, up to a maximum of 12 months.

In the event of your death or total permanent disability Hamilton Insurance will pay the outstanding balance on your card (excluding any arrears) up to a maximum of £15,000. In addition a lump sum of £2,000 will be paid to you if you suffer a total permanent disability.

When would I not be covered?
The exclusions listed below are also listed in your policy document in the 'circumstances when you cannot claim' section.

You cannot claim for accident, sickness, total and permanent disability or hospitalisation:

You cannot claim for unemployment:

You will not be covered for any event:

You will not be entitled to any death benefit if you commit suicide within one year of the policy start date.

What if I am employed on a fixed-term contract?
If you are employed under a fixed-term contract, you will only be able to claim unemployment benefit in the following circumstances:

What if I am self-employed?
If you are self-employed, or a company director, you can take out the policy, but you will not be covered for unemployment unless you can show you have permanently stopped trading, i.e. the policy will not pay for periods where you are experiencing difficulties finding work, but still continue in business. If you are a company director, you will have to show that your company has been involuntarily wound up by a creditor who was not a director of that company.

When does the policy end?
Hamilton Insurance may end the policy if you are three months or more behind with your credit card repayments, or at any time by giving you 30 days' notice. You may terminate the policy with immediate effect at any time by writing to Customer Services at the address below. The policy will also come to an end if you die, reach the age of 80, Hamilton Insurance pay you a total and permanent disability benefit, your card account is terminated for any reason, or you cease to be resident in the United Kingdom, Channel Islands or Isle of Man.

Can I cancel this cover?
You have a statutory right to cancel the policy within 30 days of the policy start date, if you decide it is not suitable for you. If you wish to cancel this cover within 30 days of the policy start date, any premium you have paid will be refunded. If cancellation is made after 30 days, as premiums are paid monthly, there will be no refund of premium due. To cancel the policy write to Customer Services at PO Box 3615, Birmingham, B3 2RJ or call 0870 6000 234.

How do I make a claim?
If you can't work due to accident, sickness or unemployment, or you suffer a total and permanent disability, you must let the claims department know immediately. Contact the claims department on 0870 010 1971 or write to: Hamilton Insurance, PO Box 4718, Birmingham, B1 3RF, UK.

What should I do if I have a complaint?
If you have a complaint about the way in which your policy was sold, you should either write to HFC Bank Limited, Customer Complaints Team, PO Box 3607, Birmingham, B1 2XJ, UK or call 0870 6000 234.

If you have a complaint about the policy, its administration or a claim, you should either write to Hamilton Insurance at PO Box 4718, Birmingham, B1 3RF, UK or call 0870 010 1971.

If you are still dissatisfied, you should write to the Managing Director of HFC Bank (for a sales related complaint) or Hamilton Insurance (for a policy, administration or claim complaint) at its head office at North Street, Winkfield, Windsor, Berkshire, SL4 4TD, UK.

Finally, if you remain dissatisfied with the above, you can ask the Financial Ombudsman Service (FOS) to review your case at: South Quay Plaza, 183 Marsh Wall, London, E14 9SR, UK(Telephone 0845 080 1800, email: complaint.info@financial-ombudsman.org.uk).

Should you contact the FOS, this will not prejudice any right of legal action you may have against Hamilton Insurance.

What happens if the insurer is unable to meet its liabilities?
If Hamilton Insurance is unable to meet its obligations under this insurance, you may be able to claim compensation under the Financial Services Compensation Scheme (FSCS). The first £2,000 of a claim is protected in full. For amounts above this threshold, 90% of the remainder of the claim will be met. Further details are available from the FSCS, 7th Floor, Lloyds Chambers, Portsoken Street, London, E1 8BN, UK.

Hamilton Insurance is a trading name of Hamilton Life Assurance Company Limited (Registered in England No.1656838, FSA Register No. 139618) and Hamilton Insurance Company Limited (Registered in England No.1655888, FSA Register No. 202671) incorporated companies limited by shares and members of the Association of British Insurers and FOS. Both companies are authorised and regulated by the Financial Services Authority, Registered office: North Street, Winkfield, Windsor, Berkshire, SL4 4TD United Kingdom.

Member HSBC Group


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Keyfacts

SENTINEL® CARD PROTECTION - POLICY SUMMARY

This is a policy summary only and does not detail the full terms and conditions of the insurance policy. For full details of the insurance policy terms and conditions can be found in the policy document. The policy summary only provides details of the parts of Sentinel® Card Protection, which are insured.

Sentinel® Card Protection is underwritten by Allianz Cornhill Insurance plc. Sentinel® Card Protection is a trading name of Cims Limited. Registered address: Axis Park, 10 Hurricane Way, Langley, Berkshire SL3 8US. Registered in England No. 1008797.

What is covered by Sentinel® Card Protection?
Sentinel® Card Protection provides:

How does Sentinel® Card Protection work?
Sentinel® Card Protection provides:

What are the benefits provided by and significant exclusions and limitations of Sentinel® Card Protection?

Features and Benefits Significant Exclusions or Limitations (cross references to the relevant sections of the policy are included)
Unauthorised and fraudulent use of registered cards for which the cardholder is legally responsible The most we will pay for any one claim is:
  • £1,500 for losses which occur before the incident is reported to the administrator
  • £75,000 for losses which occur after the incident is reported to the administrator
  • £1,000,000 per policy for all incidents in any 12 month period.
See “The Insurance Cover provided by Allianz Cornhill Insurance - The Limits” section a)
Cover does not apply:
  • To losses incurred if the incident is not reported within 24 hours of discovery.
  • Use of the registered card in a way not authorised by the card issuer.
  • More than £75,000 for any one incident
  • Loss due to fraudulent use by the cardholder, including keeping the PIN with the card or revealing it to anyone.
See “The Insurance Cover provided by Allianz Cornhill Insurance - What is not covered” section a)
Communication costs when notifying the administrator of an incident The most we will pay is up to £100 per incident
See “The Insurance Cover provided by Allianz Cornhill Insurance - The Limits” section b)
Personal money lost or stolen at the same time as the registered cards The most we will pay is £200 per incident

See “The Insurance Cover provided by Allianz Cornhill Insurance - The Limits” section c)

Cover is only offered while the cardholder is abroad.

See “The Insurance Cover provided by Allianz Cornhill Insurance - What is covered” section c)

Cover does not apply to:

Personal Money claims not reported at the same time as reporting the incident.

See “The Insurance Cover provided by Allianz Cornhill Insurance - What is not covered” section c)
Costs for replacing the bag, wallet, purse and/ or briefcase containing the registered cards lost in an incident The most we will pay is £100 per policy during any 12 month period. You will have to pay the first £15 of any claim. Cover does not apply if:
  • You cannot provide a receipt or other documents showing you owned the bag.
  • The loss or theft of the bag is not reported to the police at the same time as you report the loss or theft of the registered cards.

How do I make a claim under Sentinel® Card Protection?
You can notify a claim by calling 0800 414717 and provide Sentinel® with your name and address.

Would I receive compensation if Allianz Cornhill was unable to meet its liabilities?
You may be entitled to compensation from the Financial Services Compensation Scheme if the insurers are unable to meet their liabilities under this insurance.

How do I make a complaint?

  1. 1.   Sales
    If you have a complaint about the way in which your policy was sold, you should either write to HFC Bank Limited, Customer Complaints Team, PO Box 3607, Birmingham, B1 2XJ, UK or call 0870 600 234

If you are still dissatisfied, you should write to the Managing Director of HFC Bank (for a sales related complaint) at North Street, Winkfield, Windsor, Berkshire, SL4 4TD, UK.


  1. 2.   Non-sales
    If you have a complaint about the policy, its administration or a claim, please contact our Customer Satisfaction Manager at: Customer Services Manager, Sentinel®, Sentinel House, Airspeed Road, Portsmouth, Hampshire, PO3 5RF.If we are unable to resolve the problem we will provide you with information about the Financial Ombudsman Service.
    Full details of our complaints procedure may be found in the insurance policy terms and conditions.

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