Welcome to Your Egg Card In-Transit Purchase Protection Policy.

This cover is free to all Egg Cardholders.

In the event of You needing to make a claim please contact the Claims Helpline on 0845 120 5203.

Telephone calls may be monitored or recorded to assist with staff training and for quality control purposes.

Under this Policy the Insurer agrees to provide in-transit purchase protection cover on the basis of the following terms, conditions and exclusions.

These words are listed in alphabetical order and whenever they are used in the Policy in bold typeface they have the meanings set out below.

"HOME": Your usual permanent place of residence in the United Kingdom.

"INSURED ARTICLES" : any article purchased using an Egg Card. Insured Articles shall not include cash or its equivalent, travellers cheques, any other negotiable instruments, tickets that in the event of loss or damage will still be honoured by the issuer, animals or plants, motor vehicles, motor cycles, bicycles, boats or caravans, items fixed to motor vehicles and property, tools and equipment intended for use for business purposes or in connection with a trade or profession.

"INSURER": AXA Insurance UK plc. Registered office: 5 Old Broad Street, London, EC2N 1AD. Registered in England no. 78950. A member of the AXA Group of Companies. AXA Insurance UK plc is authorised and regulated by the Financial Services Authority (FSA). AXA Insurance UK plc is entered in the Financial Services Authority register under number 202312.

"PERIOD OF INSURANCE": the date of purchase of an Insured Article until the earliest of the following dates:

• arrival at Home or the temporary accommodation of the Cardholder ; or
• midnight on thirtieth day after purchase; or
• the Insured Article(s) is used for any purpose; or
• the termination of the Cardholder's rights under the Conditions of Use; or
• withdrawal or suspension of the Egg Card from the Cardholder.

"WE, US, OUR" : Egg Banking plc (registered number 2999842) of Pride Park, Derby DE99 3GG (we are a bank authorised and regulated to the Financial Services Authority (FSA) and entered in the FSA register under number 205621)

"YOU, YOUR, CARDHOLDER" : the Principal Cardholder and Additional Cardholders as specified in the Egg Card Agreement.

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What is Covered

An indemnity is provided for all risks of direct physical accidental loss, theft or damage to the Insured Articles purchased by the Account holder from the date of purchase until the arrival at Home or the temporary accommodation of the Account holder.

The Policy will at the Insurer's option, pay either:-

• the cost of repair of the Insured Article; or
• the cost of replacement of the Insured Article as debited to Your Egg Money account on purchase of the replacement.

The maximum amount the Insurer will pay in respect of any one Insured Article will be the original purchase price of the Insured Article, subject to a maximum amount of £1,000.

For Insured Articles purchased with a partial payment utilising the Egg Card the maximum amount payable by the Insurer will be based pro rata upon the percentage the partial payment bears to the full purchase price.

The maximum amount payable by the Insurer in respect of any one or number of claims arising out of any one incident will be £1,000.

The maximum amount the Insurer will pay in total in respect of claims made on one Egg Card account from the date that the account was opened until the first anniversary of the account opening and yearly thereafter is £10,000.

If at the date of loss or damage to any Insured Article there is any other insurance covering the same loss or damage then the Account holder will only be reimbursed to the extent that the direct physical accidental loss, theft or damage has not been paid by such other insurance. This reimbursement will not extend to any policy excess.

An Insured Article forming part of a pair or set is regarded as a single item.

The Insurer will pay for individual damaged items but not for companion pieces except where they cannot be clearly separated from each other.

The Insurer will not pay for direct physical accidental loss, theft or damage to Insured Articles caused by:

• war, invasion, act of foreign enemy hostilities (whether war is declared or not) civil war, rebellion, revolution, insurrection, or military or usurped power,
• confiscation or detention by customs or other officials or authorities.

The Insurer will not pay for direct physical accidental loss of or damage to Insured Articles which occurs:

• due to electrical or mechanical breakdown or derangement,
• due to chewing, scratching, tearing or fouling by Your domestic animals,
• due to inherent product defects,
• due to the direct physical abuse of the Insured Article,
• due to the Insured Article being used for business purpose,
• due to theft from an unattended vehicle unless the Insured Article was out of sight in the locked glove box or boot of the locked vehicle,
• outside the Period of Insurance.

The Insurer will not pay for any mail order items or items delivered by courier until the goods are received, checked for damage by You and accepted at the nominated delivery address.

The Insurer will have no liability under the policy for death, bodily injury or damage to other property or any consequential loss of whatsoever nature arising directly or indirectly from the use, ownership or possession of the Insured Articles.

The first £25 of every claim is excluded.

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It is a condition of the Policy that all reasonable precautions are taken to safeguard each Insured Article.

1. If any information provided by You or anyone acting on Your behalf to Us or the Insurer is inaccurate or if You fail to disclose any information which might reasonably affect the Insurer's decision to provide insurance to You, any rights to any benefit under this Policy shall end.

2. You must not act in a fraudulent manner

If You or anyone acting for You

• make a claim under the Policy knowing the claim to be false or fraudulently exaggerated in any respect or
• make a statement in support of a claim knowing the statement to be false in any respect or
• submit a document in support of a claim knowing the document to be forged or false in any respect or
• make a claim in respect of any loss or damage caused by Your wilful act or with Your connivance

Then the Insurer

• shall not pay the claim
• shall not pay any other claim which has been or will be made under the Policy
• may at its option declare the Policy void
• shall be entitled to recover from You the amount of any claim already paid under the Policy
• shall not make any return of premium
• may inform the police of the circumstances.

3. When a claim is paid for loss or replacement, the Insured Article automatically becomes the property of the Insurer. You must not dispose of any damaged item without obtaining the prior permission of the Insurer. You must not abandon any property to the Insurer.

4. It is a condition of the cover that any damage caused by malicious persons or vandals, loss or theft must be notified to the Police within 24 hours of discovery of such damage, loss or theft.

5. We will always communicate with You in English.

6. Other taxes or costs may exist that are not paid through Us or the Insurer or imposed by Us or the Insurer.

7. You can cancel Your Policy at any time. If You want to cancel Your Policy then You should call Us on 08451 233 233. You can also write to Us at Egg, Pride Park, Derby DE99 3GG, or You can send Us a secure e-mail from Our website.
Please ensure that You include Your full name and address in any correspondance.
If You do not cancel Your Policy, then the Policy will continue.

8. This Policy has no minimum duration.

9. The Insurer may at any time change any term or condition of this Policy by giving not less than 30 days written notice of such change to You at Your last known address.

10. It is the duty of the Financial Services Compensation Scheme to ensure that a percentage of sums owed to Policyholders is paid if their insurance company is in liquidation and unable to pay. Such payments are subject to restrictions and not all Policyholders may benefit. Further details are available on request.

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In the event of a claim please contact the Claims Helpline on 0845 120 5203.

Telephone calls may be monitored or recorded to assist with staff training and for quality control purposes.

You may contact the Claims Helpline using TypeTalk, Telephone 18001 0845120 5203.

Notice of any claim should be given within 45 days of the direct physical accidental loss or damage occurring. A claim form may be sent to You when claims notification is made. The completed claim form and the required documentation must be returned to the Insurer within 28 days of notification.

You will be required to produce an appropriate till receipt as evidence of Your claim and supply at Your expense all information and assistance that the Insurer may require to assess Your claim.

The Cardholder will at the request of the Insurer send the damaged item in respect of which the claim is being made to an address designated by the Insurer.

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We realise that things can go wrong and there may be occasions when You feel that We have not provided the service You expected. When this happens We want to hear about it so We can try and put things right. If You have cause for complaint it is important You know We are committed to providing You with an exceptional level of service and customer care.

Who to contact?

The most important factors in getting Your complaint dealt with as quickly and efficiently as possible are:

• to be sure You are talking to the right person and
• that You are giving them the right information

So We begin by establishing Your first point of contact:

Step One - initiating your complaint:

Does Your complaint relate to

A Your Policy?

B a claim on Your Policy?

If A You need to contact the Customer Relations Office, Egg Banking plc, Pride Park, Derby, DE99 3GG. Telephone: 08451 233 233. Or e-mail at complaints@egg.com

If B You need to contact Egg Card, St Andrews House, Portsmouth Road, Esher, Surrey, KT10 9SA. Telephone 0870 901 0678.

We expect that the majority of complaints will have been quickly and satisfactorily resolved at this stage but if You are not satisfied You can take this matter further.

Step Two - contacting AXA Head Office

If Your complaint is one of the few that cannot be resolved by this stage write to the Head of Customer Care who will arrange for an investigation on behalf of the Chief Executive:

Customer Care
AXA Insurance
Civic Drive
Ipswich IP1 2AN

Or You may use e-mail customercare@axa-insurance.co.uk

Or telephone 01473 205 926 or fax 01473 205 101

Step Three - beyond AXA

If the Insurer has given You their final response and You are still dissatisfied You may refer Your case to the Financial Ombudsman Service (FOS).

The FOS is an independent body that arbitrates on complaints about general insurance products. It will only consider complaints after the Insurer has provided You with written confirmation that their internal complaints procedure has been exhausted.

Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London E14 9SR
Telephone 0845 080 1800 Fax 020 7964 1001

Referral to the Financial Ombudsman will not affect Your right to take legal action against Us.

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You and We are free to choose the law applicable to this contract. In the absence of an agreement to the contrary the law of England and Wales will apply. If You reside in Scotland or Northern Ireland the law applicable to that appropriate country will apply.

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Initial Disclosure Documents and Policy Summaries are available on www.egg.com alternatively they can be provided in paper format upon request. Please call 08451 233 233 to request a copy.

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