Welcome to Your Egg Card Personal Travel Accident Insurance Policy.

All Cardholders will receive the benefit of this free cover whilst the Cardholder's Egg Card account remains valid.

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 benefits in the event of Personal Accident 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.

"ACCIDENTAL BODILY INJURY": bodily injury caused solely and directly by accidental, external, visible and violent means and sustained whilst entering, travelling in, or on, or alighting from any aircraft, boat, ship, railway train or road vehicle (as a fare paying passenger), or any hire car for a period not exceeding 30 days and when all or part of the fare has been paid using Your Egg Card which directly and independently of any other cause results in a fatal accident, the Loss of Limb, the Loss of Use of Limb, the Loss of Sight, or Permanent Total Disability.

Please note: Accidental Bodily Injury shall include exposure to the elements.

"CARDHOLDER": the person named as the Egg Cardholder.

"DEPENDENT CHILDREN": Your dependent unmarried children (including legally adopted children) who at the date of the Accidental Bodily Injury are over 30 days old and under 23 years of age.

"INSURER": St Andrew’s Insurance plc (Registered in England No 3104671) whose head offices are at 1 Lovell Park Road, Leeds, West Yorkshire, LS1 1NS and registered offices at 33 Old Broad Street, London, England, EC2N 1HZ. St Andrew’s Insurance plc is authorised and regulated by the Financial Services Authority.

"LOSS OF A LIMB": the total and permanent loss of a limb by a physical separation at or above the wrist or ankle.

"LOSS OF USE OF A LIMB": the total, permanent and irrecoverable loss of use of a limb.

"LOSS OF SIGHT": the total and irrecoverable loss of sight.

"PARTNER": Your spouse, Your civil partner (as defined in Section 1 of the Civil Partnership Act 2004) or the person (whether or not of the same sex) who You are permanently cohabiting with in a marriage-like relationship.

"PERMANENT TOTAL DISABILITY": a condition which, one year after the date of disablement, is of a permanent, severe and irreversible nature which is shown by medical evidence to be likely to continue for the remainder of Your life and which in the Insurer's reasonable opinion prevents You from engaging in any work or occupation for remuneration or profit.

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

"YOU, YOUR, INSURED PERSON": an Egg Cardholder or such Cardholder's Partner, or Dependent Children.

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These conditions explain the rules of the Policy.

No provision or condition of this Policy may be waived or modified except by an endorsement signed by an authorised official on behalf of the Insurer.

1. This Policy shall have no surrender value.

2. 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, Your right to any benefit under this Policy shall end.

3. 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.

4. It is not possible for You to transfer Your rights under this Policy.

5. All benefits payable under this Policy shall be paid to You or in the case of benefit paid after Your death to Your legally appointed personal representatives. Receipt of benefits will be regarded as a full discharge of the liabilities under this Policy.

6. It is a pre-condition of the Insurer's liability that You comply with all Parts of this Policy and that You take all reasonable steps to minimise the Insurer's risk and ongoing liability under this Policy.

7. This Policy, any endorsement to it, any proposal and any other written statement made by You or on Your behalf on which the Insurer has relied when accepting You for cover under this Policy, shall constitute the entire contract between You and the Insurer.

8. We will always communicate with You in English.

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

10. This Policy has no minimum duration.

11. 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.

12. Cover is provided at no extra cost and is automatically included within the terms and conditions of your Egg Card, as such there are no grounds for cancellation.

13. 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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What is covered

In the event of You suffering Accidental Bodily Injury whilst Your Egg Card remains active which causes any of the following disabilities, the Insurer will pay the appropriate benefit set out in the benefits table below:

Please note:

Cover extends to Accidental Bodily Injury sustained during excursions taken whilst on holiday irrespective of whether or not the excursion fare has been paid using Your Egg Card, the Accidental Bodily Injury must result in death, loss or disablement directly and independently of any other cause within 2 years.

In the event of the disappearance of an Insured Person, if after a period of time it is reasonable to believe that the Insured Person has died as a result of a bodily injury covered by this Policy benefit will only be paid on receipt of a signed undertaking that benefits will be repaid to the Insurer if such benefit is subsequently found to have been paid in error.

Benefit to any one Insured Person shall be limited to ONE of the items 1 - 6 above.

Benefit under item 1 is limited to £2,500 for any Insured Person under 18 years of age.

What is not covered

The Insurer will not pay benefit if the Accidental Bodily Injury results directly or indirectly from:

war, hostilities (whether war be declared or not), terrorist activity, revolution, military or usurped power, civil commotion or any similar event; or

flying, except as a fare paying passenger in an aircraft operating under its own power; or

Your suicide or self-inflicted injury or deliberate exposure to exceptional danger; or

Your engagement in any criminal activity; or

You being under the influence of alcohol or drugs, otherwise than under the direction of a registered medical practitioner provided that such direction is not given due to Your treatment for drug addiction or dependence; or

any existing defect or chronic or recurring disease, disorder or other condition which You were aware of at the start date of this Policy or which You have suffered in the 12 month period prior to the start date of this Policy; or

if the Accidental Bodily Injury arises from or is traceable to or is caused by any gradually developing deterioration whatever the cause of that deterioration.

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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.

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

The Insurer may require You, at its expense, to be examined by a medical examiner of its choice. If You fail to attend any such examination, no further benefit shall be payable.

The Insurer may also arrange for an agent to visit You. The purpose of any such visit will be to gather details relating to Your claim in order to ensure an accurate assessment. It is essential that You make yourself available for any such visit. If You fail to do so, no further benefit shall be payable.

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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.

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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 email at complaints@egg.com

If B You need to contact Egg Card, PO Box 741, Leeds, LS1 9HB. Telephone 0845 120 5203.

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 St Andrew's Head Office

If Your complaint is one of the few that cannot be resolved by this stage write to the Customer Liaison Manager who will arrange for an investigation on behalf of the Chief Executive:
Customer Liaison Manager
St Andrew's Group plc
PO Box 741
Leeds
LS1 9HB

Step Three - beyond St Andrew's

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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