<p>Policy Booklet Inside you’ll find full details of your Driver Injury Cover C ontents Contents Page Policy summary 1 Terms and conditions – about your insurance 6 Meaning of words 7 Contract of insurance 9 Policy conditions 10 What is covered 13 What is not covered 14 Table of benefits 15 Making a claim 17 Complaints and comments 17 Recording calls 18 Data protection 18 Financial Services Compensation Scheme (FSCS) 20 Tesco Bank Driver Injury Cover policy summary Some important facts about your Tesco Bank Driver Injury Cover policy are summarised below. This policy summary does not describe all the terms and conditions of your policy, so please take time to read the full policy wording starting on page 7 in this booklet to make sure you understand the cover provided. This summary does not form part of your contract of insurance. About your insurance This policy is administered by Tesco Bank and is underwritten by Tesco Underwriting Limited. Duration of contract The standard duration of this policy is normally 12 months from the date on which the cover starts. However, if you add this cover during the period of your Tesco Bank Car Insurance policy, the updated schedule will confirm the actual date your policy starts and ends. Insurance cover This policy provides the policyholder and all permanent named drivers on the Tesco Bank Car Insurance policy with the benefit amounts in the table on the following page, up to the overall total limit, in the event that the defined injuries are caused by an accident when driving the insured car. P olicy sum m ary 1 Significant features and benefits 1. Payments are made to the driver whether they, or any other party, are at fault. 2. Payments are made regardless of any compensation due from another party or any other insurance you may have. 3. No need to wait for liability disputes or court settlements to be resolved - prompt payout as soon as a medical expert verifies your claim. 4. Cover applies in the same geographical limits as the Tesco Bank Car Insurance policy - Great Britain, Northern Ireland, Isle of Man and the Channel Islands, and for the period allowed in the EU. 5. Benefit amounts: Policy sum m ary – Significant features and benefits Condition resulting solely from the accident Benefits / Limits 1 Loss of limb or limbs £100,000 2 Paraplegia £120,000 3 Quadriplegia £140,000 4 Loss of speech £60,000 5 Loss of hearing (one ear / both ears) £30,000 / £60,000 6 Loss of use of a shoulder, elbow, hip, knee, ankle or wrist Loss of or loss of use of: • a hand or foot • each finger • each thumb • each big toe • each other toe Maximum of £50,000 for each injured hand or foot £50,000 £50,000 £10,000 £20,000 £20,000 £10,000 7 Loss of sight (one eye / both eyes) £50,000 / £75,000 8 Death £50,000 9 Fractures (arm / leg / skull) Maximum amount of £2,000 per accident £300 / £500 / £650 10 Hospitalised benefit - Maximum 100 days (£2,500) in a UK hospital £25 per day 11 Physiotherapy benefit – Maximum £300 £50 per session 12 Medical expense costs following a claim under 4 – 8 above Up to £3000 2 Significant exclusions and limitations 1. Cover only operates for the main car insured under your Tesco Bank Car Insurance policy. 2. Benefits are only payable to the driver of the insured car, and not any passengers. 3. Cover is dependent on there being a valid claim under your Tesco Bank Car Insurance policy and the injury being sustained as a direct result of the same event. 4. If this cover is added during the Tesco Bank Car Insurance policy year, it does not operate for the first 24 hours. 5. No cover for any injuries caused by any event prior to this policy being in force. 6. There is an overall total limit of £100,000 during any one period of insurance. The overall limit is increased to £120,000 where one of the claims is for paraplegia, or £140,000 where one of the claims is for quadriplegia. 7. Once we have paid out the overall limit during one period of insurance, no further benefits will be payable for any bodily injury that results from an accident that occurs in that period of insurance. 8. If you have personal accident cover elsewhere, the policy benefits may overlap. You should check if this may affect your ability to claim. 9. Drivers aged 71 or over at the time of an accident are not eligible to claim. 10. Injury benefits 1 to 7 will only be paid if an injury lasts, or is anticipated to last, for at least 52 consecutive weeks. 11. Cover excludes any medical condition that does not appear in the benefits table. 12. No cover for injuries arising as a result of use of a vehicle for a criminal or unlawful act, other than certain motoring offences. 13. Cover will not operate in the event that your car is being driven illegally due to excess levels of alcohol or the use of drugs, other than drugs taken as prescribed by a medical practitioner, or if the driver fails to supply a specimen, or provide permission, for alcohol or drug analysis. 14. No cover for injuries arising as a result of use of a vehicle for track days or off road activity of any description. 15. Benefits are not payable if the injured driver was not wearing a seat belt when they were required to by law. Policy sum m ary – Significant exclusions and lim itations 3 Claim notification To make a claim please call the Claims Line on 0845 300 0680 and quote your Tesco Bank Car Insurance policy number. Cancellation If you cancel your policy within 14 days of receiving the policy documentation (or from the inception date of the policy if this is later) and no claims have been made, any premium already paid will be returned. If your policy is cancelled after 14 days, no refund will be provided, and if you pay your premiums by instalments, the remaining premium must be paid. We may cancel your policy on notice for valid grounds or a serious reason, including not paying your premium promptly if you pay by monthly instalments. We will give you at least seven days notice and there will be no refund of premiums. If you pay monthly any remaining premium must be paid in full. If your Tesco Bank Car Insurance policy is cancelled at any time, this policy will automatically terminate. Complaints or comments We hope you will be completely happy with your policy and the service provided. If you are not satisfied we would like to know and we will aim to sort it out as quickly and fairly as possible. We have the following complaint procedure which you can follow if you are dissatisfied with the service you received. Step 1: Let us know if you have a complaint about your policy: • Telephone Tesco Bank on 0845 673 0000; or • Write to Tesco Bank and send to: Customer Relations Manager Freepost RSJB-RYLK-JKUX Tesco Bank Complaints P. O. Box 277 Newcastle Upon Tyne NE12 2BU P olicy sum m ary 4 If you have a complaint about your claim: • Telephone 0845 300 0680 • Write to: Tesco Underwriting Floor 2, Tesco Bank Quorum Business Park Newcastle Upon Tyne NE12 8BU Step 2: Contact the Financial Ombudsman Service If you are not satisfied with our final decision regarding your complaint or you have not received our final decision within eight weeks, you may ask the Financial Ombudsman Service to review your case by contacting: Financial Ombudsman Service South Quay Plaza 183 Marsh Wall London E14 9SR Tel: 0800 023 4567 or 0300 123 9123 Fax: 0207 964 1001 Email: complaint.info@financial-ombudsman.org.uk Following the complaints procedure or contacting the Financial Ombudsman Service at any stage of your complaint will not affect your legal rights. Financial Services Compensation Scheme (FSCS) Tesco Bank and Tesco Underwriting Limited are both covered by the Financial Services Compensation Scheme (FSCS), which means that you may be entitled to compensation if Tesco Bank or Tesco Underwriting Limited is unable to meet their obligations to you. Further information is available at www.fscs.org.uk or by contacting the FSCS directly on 0800 678 1100. P olicy sum m ary 5 Term s and conditions – A bout your insurance Terms and conditions About your insurance Thank you for choosing the Tesco Bank Driver Injury Cover which is arranged and administered by Tesco Personal Finance plc (trading as Tesco Bank), and is underwritten by Tesco Underwriting Limited. Tesco Personal Finance plc (trading as Tesco Bank) and Tesco Underwriting Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.  Tesco Underwriting Limited’s Financial Services Register number is 517719 and Tesco Bank’s Financial Services Register number is 186022.  This information can be checked on the Financial Services Register by visiting the FCA website www.fca.org.uk/firms/ systems-reporting/register or by contacting the FCA on 0800 111 6768 or the PRA on 020 7601 4878. Tesco Bank Driver Injury Cover will provide insured persons the benefits described in this policy if they suffer bodily injury while driving the car during the period of insurance shown on your Tesco Bank Car Insurance policy schedule, provided that you have  paid or agreed to pay the premium. You must read this booklet in conjunction with your Tesco Bank Car Insurance policy booklet, schedule, and statement of fact. Certain words in this policy are printed in bold. The meaning of those words is explained in the section headed Meanings of words starting on the next page. If you have any questions about your cover or documents please call the Customer Services Line on 0845 673 0000. Lines are open Mondays to Friday 8am to 9pm, Saturday to Sunday 9am to 5pm. 6 M eaning of w ords Meaning of words Certain words in this policy are printed in bold. These words have specific meanings which are shown below. Accident An unintentional and identifiable event arising out of the insured person driving the car within the geographical limits which results in a valid claim under the car insurance policy for loss or damage to the car. Administrator Tesco Personal Finance plc (trading as ‘Tesco Bank’) Interpoint Building 22 Haymarket Yards Edinburgh EH12 5BH Customer Service Line 0845 673 0000 (Lines are open Monday to Friday 8am-9pm, Saturday to Sunday 9am-5pm). Car Insurance policy The Tesco Bank Car Insurance policy for which a schedule has been issued that states you have a Tesco Bank Driver Injury Cover policy. Bodily injury Physical injury caused by an accident. Expert medical specialist A person other than you or a member of your immediate family or an employee of yours who is qualified as a consultant in the branch of medicine to which the bodily injury relates. Fracture Where a medical practitioner confirms the fracture of an elbow, wrist or one or more bones in the arm being either the humerus, radius or the ulna scapula or clavicle or of an ankle or one or more bones in the leg being either the femur, patella, tibia or fibula or the pelvis, or the skull including the facial bones and the lower jaw. Geographical limits Great Britain, Northern Ireland, Isle of Man and the Channel Islands and for that period allowed in the EU by your car insurance policy. Hospitalised As a direct result of bodily injury you being admitted to a hospital as an inpatient in England, Scotland, Wales, Northern Ireland, the Isle of Man or the Channel Islands for medical, surgical, or other remedial attention treatment or diagnosis by a medical practitioner or in a continuous unconscious state. Insured person The person driving the car at the time of an accident and named as a driver on the current certificate of motor insurance issued under the car insurance policy. This does not include any person temporarily added to the car insurance policy. Insurer Tesco Underwriting Limited, Ageas House, Hampshire Corporate Park, Templars Way, Eastleigh, Hampshire, SO53 3YA Loss of hearing The complete loss of hearing in one or both ears to the extent that the hearing loss in one or both ears is greater than 95 decibels across all frequencies using a pure tone audiogram which, in the opinion of an expert medical specialist will not be recovered within 52 consecutive weeks or is not recovered within 52 consecutive weeks. Loss of limb or limbs The loss of a limb or limbs by physical separation of: i) an arm at or above the wrist or ii) a leg at or above the ankle 7 M eaning of w ords Loss of limb or limbs (continued) or the total loss of use of: i) an arm at or above the wrist or ii) leg at or above the ankle which, in the opinion of an expert medical specialist, will not be recovered within 52 consecutive weeks or is not recovered within 52 consecutive weeks. Loss of sight The complete loss of sight that will be considered as having occurred i) in both eyes if the injured person’s name is added to the Register of Blind Persons or ii) in one eye if the degree of sight remaining after correction by glasses or contact lenses is 3/60 or less on the Snellen Scale (meaning that an injured person sees at 3 feet what they should see at 60 feet) which, in the opinion of an expert medical specialist, will not be recovered within 52 consecutive weeks or is not recovered within 52 consecutive weeks. Loss of speech The complete loss of speech which, in the opinion of an expert medical specialist, will not be recovered within 52 consecutive weeks or is not recovered within 52 consecutive weeks. Medical expenses The cost of medical, surgical or other remedial attention treatment or, hospital, nursing home and ambulance charges and any other costs for diagnostic or remedial treatment incurred appliances given or prescribed by a medical practitioner. Medical practitioner A person other than you or a member of your immediate family or an employee of yours who is qualified and licensed to practise medicine. The car The vehicle covered by your car insurance policy for which we have issued a Certificate of Motor Insurance. This does not include any vehicles temporarily added to the car insurance policy. Paraplegia Complete paralysis of the lower half of the body including both legs which, in the opinion of an expert medical specialist, will not be recovered within 52 consecutive weeks or is not recovered within 52 consecutive weeks. Period of Insurance The period for which you have Tesco Bank Driver Injury Cover  as shown on the car insurance policy schedule(s), but excluding the first 24 hours after the start date of this policy where this policy was added after the inception or renewal of the car insurance policy. Permanent partial disability The complete loss of use of a shoulder, elbow, hip, knee, ankle or wrist, and/or the physical separation or total loss of use of a foot or hand, a finger or fingers, or a toe or toes which, in the opinion of an expert medical specialist will not be recovered within 52 consecutive weeks or is not recovered within 52 consecutive weeks. Physiotherapy The recognised treatments performed by a registered physiotherapist to improve functional movement. Policy This Tesco Bank Driver Injury Cover contract of insurance. Policyholder The person who has taken out this policy and has paid, or agreed to pay, the premium. Premium The payment for Tesco Bank Driver Injury Cover policy, which needs to be paid to the administrator to obtain the benefit of this policy. Quadriplegia Complete paralysis of all four limbs which, in the opinion of an expert medical specialist, will not be recovered within 52 consecutive weeks or is not recovered within 52 consecutive weeks. Third party Any person/party involved in the accident, excluding any insured person. We, our, us The administrator and the insurer. You, your The person shown under ‘policyholder details’ on the car insurance policy schedule. 8 C ontract of insurance Contract of insurance This policy forms a contract of insurance between you and the insurer. This policy booklet contains important information about what is covered and what is not covered under this policy. The schedule for the car insurance policy will show whether you have cover under this policy. In return for you paying or agreeing to pay the premium, the insurer will provide benefits, under the terms and conditions of this policy, to an insured person if they suffer bodily injury whilst driving the car. Making a false statement or misrepresenting information to the administrator could result in your policy being voided (as if the policy never existed), all claims under your policy being refused and all premiums that you have paid being retained. It is your responsibility to ensure that all the information that has been given by you, or that has been given on your behalf, is true and complete. If there are any errors on your car insurance policy statement of fact, schedule or certificate of motor insurance or the information is not correct, your policy may be voided. Please contact our Customer Services Line immediately if you are in any doubt that your car insurance policy details are correct to ensure you, and any insured person, continue to have the full protection of your policy. English law will apply to this contract unless agreed otherwise in writing with the relevant insurer. (If you live in Jersey, the law of Jersey will apply to this contract and the Jersey courts will have exclusive jurisdiction over disputes in relation to it.) The contractual terms and conditions and other information relating to this contract will be in the English language. Except as otherwise provided for by law or expressly stated in this policy, no third party shall have any rights under this policy or the right to enforce any part of it. Please check all documents carefully to make sure that they give you the cover you want. 9 P olicy conditions Policy conditions 1. Conditions of use Both this policy and the car insurance policy must be in force at the time of an accident giving rise to a claim under this policy. If cover is reduced to third party, fire and theft, or third party only, under the car insurance policy all cover under this policy will be cancelled and there will be no refund of premium. The car must be being used in accordance with the terms and conditions of the car insurance policy. All insured persons must take reasonable steps to: • prevent or minimise loss, damage, accidents and bodily injury to any person whilst travelling in the car; and • ensure they comply with legal requirements for the condition and use of a vehicle on a road or other public place. Cover will only operate in respect of the car (including any temporary replacement vehicle arranged by us) and excludes any vehicle that an insured person temporarily adds or substitutes under the car insurance policy and any vehicle driven under the ‘Driving other cars’ extension if provided in your car insurance policy. Cover will not operate in respect of any drivers temporarily added to the car insurance policy. 10 P olicy conditions 2. Cancellation You may cancel this policy at any time by contacting the administrator. If your car insurance policy is cancelled at any time, this policy will automatically be cancelled as well. If you cancel your policy within 14 days of receiving your policy documentation (or from the start date of the policy if this is later) then the administrator will refund the cost of your cover providing no claim has been made. If you cancel your policy after 14 days, there is no entitlement to a refund, and if you pay by instalments, the remaining premium must be paid. The administrator or the insurer can cancel this policy, for a valid reason or on serious grounds, by sending you seven days’ notice of cancellation to your last known address. Examples of a valid reason or serious grounds may include, but are not limited to: • Non-payment of premium (including missed direct debit payments) that is not resolved following our reminders; • Failing to comply with the terms and conditions of this policy and your car insurance policy, as outlined in the respective policy booklets; • Failing to cooperate and/or provide the necessary information required to enable us, or the administrator, to administer your policy, claim or investigate fraud; • Where fraud is suspected; • Making a false statement or misrepresenting information to the administrator; • Where threatening, abusive or offensive behaviour has been used towards us or the administrator; and • Where any change you tell us about and occur during the term of your policy, that alters the information on your policy documents, results in us no longer being able to continue cover. If your policy is cancelled by the administrator or the insurer, there is no entitlement to a refund, and if you pay by instalments, the remaining premium must be paid. 11 P olicy conditions 3. Fraud We will not pay any claim which is in any part fraudulent or exaggerated, or if any insured person, or anyone acting for you, uses fraudulent means to obtain benefits under this policy or the car insurance policy. If a fraudulent claim has been made or there has been fraudulent activity to secure benefits under this policy or the car insurance policy, this will result in your policy and the car insurance policy being voided (as if the policy never existed), all claims under your policy being refused and all premiums that you have paid being retained (and all premiums due to be paid being collected). We may also notify the relevant authorities, so that they may consider criminal proceedings. 4. Renewal of your policy When your car insurance policy is renewed, the administrator will automatically renew this policy. If you do not want to renew this policy, all you need to do is let the administrator know. 5. Claims as a result of drink or drugs We will only pay claims under this policy if an insured person is not driving illegally due to excess levels of alcohol or the use of drugs. If an accident arises whilst an insured person is driving the car, or any temporary car arranged by us, illegally due to excess levels of alcohol or the use of drugs, or fails to supply a specimen, or provide permission, for alcohol or drug analysis, then there will be no cover for the benefits described under this policy and we reserve the right to recover any costs we incur under this policy from you or an insured person. We also reserve the right to withhold any claim settlement during the police investigation and/or criminal proceedings. 6. Medical care Following any bodily injury that results in a claim under this policy, the insured person must: • place themselves under the care of a medical practitioner and follow his/her advice; • if we reasonably request it, undergo medical examination at our expense; and • at their expense provide us with any reports, certificates, information and evidence that we reasonably ask for and do so in the manner we request. 12 W hat is covered What is covered In the event that you or any insured person suffers bodily injury arising from an accident whilst driving the car during the period of insurance which, within 52 weeks of the date of the accident, results in that person’s: 1. Loss of limb or limbs 2. Paraplegia 3. Quadriplegia 4. Loss of sight 5. Loss of speech 6. Loss of hearing 7. Permanent partial disability 8. Death we will pay the insured person the applicable benefit as specified in the table of benefits below subject to the maximum overall limit. In addition, we will pay the insured person for the following: • If they are hospitalised in the UK as a direct result of bodily injury during the period of insurance, we will pay them the hospitalisation benefit shown in the table of benefits for each night they are hospitalised up to a maximum amount of £2,500; • If they suffer a fracture as a direct result of bodily injury during the period of insurance, we will pay them the fracture benefit shown in the Table of benefits; • If they require physiotherapy as recommended by a medical practitioner or expert medical specialist for their treatment and recovery following a valid claim under this policy for a fracture we will pay them up to the physiotherapy benefit shown in the Table of benefits; and • Medical expenses of up to £3,000 per accident following a claim for a condition under 4 – 8 in the Table of benefits. 13 W hat is not covered What is not covered We will not pay any benefit for death or bodily injury directly or indirectly caused by, contributed to or arising from: • Any accident occurring outside the period of insurance; • Any accident occurring within the first 24 hours after the start date of this policy where this policy was added to the car insurance policy after the start or renewal date of the car insurance policy; • Any accident that does not result in a valid claim under the car insurance policy; • Bodily injury as a result of the use of the car for any purpose not covered by the car insurance policy; • An insured person committing suicide, attempted suicide, or any deliberate act to cause self injury; • An insured person committing a criminal or unlawful act, other than a motoring offence, subject to the exceptions below; • An accident in which an insured person is driving illegally due to excess levels of alcohol or the use of drugs, other than drugs taken as prescribed by a medical practitioner, or fails to supply a specimen, or provide permission, for alcohol or drug analysis; • An insured person not wearing a seat belt when they have to by law; • Bodily injury as a result of the use of the car for track days or off road activity of any description; • Bodily injury as a result of the use of the car by an insured person who is aged 71 or older at the time of an accident; • Any accident where the insured person has not stopped and exchanged details with the other driver or where the accident has not been reported to the police as soon as reasonably possible; and • Any bodily injury sustained when not driving the car.   14 Table of benefits Table of benefits Special condition The amounts we will pay for bodily injury are shown in the table below, subject to an overall total limit of £100,000 during any one period of insurance. The overall limit is increased to £120,000 where one of the claims is for paraplegia, or £140,000 where one of the claims is for quadriplegia. Although more than one claim can be made during the period of insurance, once we have paid out the overall limit during one period of insurance, no further benefits will be payable for any bodily injury that results from an accident that occurs in that period of insurance. Condition resulting solely from the bodily injury Benefit 1. Loss of limb or limbs £100,000 2. Paraplegia: £120,000 3. Quadriplegia: £140,000 4. Loss of speech: £60,000 5. Loss of hearing: • In one ear, or • In both ears £30,000 £60,000 6. Permanent partial disability Loss of use of: • a shoulder, elbow, hip, knee, ankle, wrist, Loss of or loss of use of: • a hand or foot: • each finger (at least one complete bone) • each thumb (at least one complete bone) • each big toe (at least one complete bone) • each other toe (at least one complete bone) subject to a maximum of £50,000 for each injured hand or foot £50,000 £50,000 £10,000 £20,000 £20,000 £10,000 7. Loss of sight: • In one eye, or • In both eyes £50,000 £75,000 8. Death £50,000 Continued on the next page 15 Condition resulting solely from the bodily injury Benefit 9. Fractures: • To the wrist or one or more bones in the arm • To the ankle or one or more bones in the leg or the pelvis • To the skull including facial bones and lower jaw • Maximum amount per accident £300 £500 £650 £2,000 10. Hospitalised benefit: • For each night the insured person spends in a hospital • Maximum amount per accident • Maximum number of days £25 £2,500 100 11. Physiotherapy benefit: • For each physiotherapy appointment • Maximum amount per accident £50 £300 12. Medical expenses: Up to a maximum of £3,000 per accident following a claim for a condition under 4 – 8 above. Table of benefits 16 M aking a claim Making a claim We hope that an insured person is not injured in an accident, but if they are the following guidance will help you make a claim: • Please check that both your policy and the car insurance policy were in force at the time of an accident. • Please read your policy to check that the bodily injury is covered. • Please read your car insurance policy to check that the car was being used in accordance with its terms and conditions. • Make a note of your policy number and contact us as soon as reasonably possible on 0845 300 0680. If an accident causes the death of an insured person, then the benefits will be paid to their estate. Complaints and comments We hope you will be completely happy with your Tesco Bank Driver Injury Cover policy and the service provided. But if you are not satisfied, we would like to know and we will aim to sort it out as quickly and fairly as possible. We have the following complaints procedure which you can follow if you are dissatisfied with the service you have received. Step 1: Let us know if you have a complaint about your policy: • Telephone Tesco Bank on 0845 673 0000; or • Write to Tesco Bank and send to: Customer Relations Manager Freepost RSJB-RYLK-JKUX Tesco Bank Complaints P.O. Box 277 Newcastle Upon Tyne NE12 2BU If you have a complaint about your claim: • Telephone 0845 300 0680 • Write to: Tesco Underwriting Floor 2, Tesco Bank Quorum Business Park Newcastle Upon Tyne NE12 8BU 17 Step 2: Contact the Financial Ombudsman Service If you are not satisfied with our final decision regarding your complaint or you have not received our final decision within eight weeks, you may ask the Financial Ombudsman Service to review your case by contacting: Financial Ombudsman Service South Quay Plaza 183 Marsh Wall London E14 9SR Tel: 0800 023 4567 Fax: 0207 964 1001 Email: complaint.info@financial-ombudsman.org.uk Following the complaints procedure or contacting the Financial Ombudsman Service at any stage of your complaint will not affect your legal rights. Recording calls We may monitor or record telephone calls to: • Provide a record of the instructions received from you. • Help monitor quality standards and assist with staff training. • Meet legal and regulatory requirements. Data protection Please make sure that you read this notice carefully. In this notice we, us and our means Tesco Bank and its subsidiaries, and the insurer. How we use your personal information We will use personal information which has been given to us to manage this policy and any other Tesco Bank products you may have, including handling underwriting and claims and issuing policy renewal documents to you. These activities may involve us releasing personal information to other insurers, regulatory authorities or agents providing services to us, to you, or on our behalf. Some of these agents may be based outside the European Economic Area but we will make provision for your personal information to be protected whilst being transferred to and processed in these countries. We may use your personal information and information about your use of our products and services to carry out research and analysis about our products and services, as well as to meet your needs in connection with your policy. C om plaints and com m ents 18 D ata protection Marketing purposes We will only send you information about our other products and services that we think you would like to hear about. We will only do this by the contact methods you have already told us that you are happy with. You can contact us to give notice to stop your data being used for marketing purposes by calling Tesco Bank customer services on 0845 673 0000. We may release your personal information to others: • If we need to do this to manage your policy with us (as set out above). • In connection with any research or analysis that we are carrying out (as mentioned above). • Where we need to do so in order to prevent fraud (as mentioned below). • If we are required or permitted to do so by law (for example, if we receive a legitimate request from the police or another authority). • In other circumstances where you have given your permission. If we change the way that we use your personal information, we will write to you to let you know. Sharing information to prevent fraud If false or inaccurate information is provided and fraud is either 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 and other facilities and recovering debt; and • Checking insurance proposals and claims. 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 to obtain these details. The agencies may charge a fee. Sensitive information Some of the personal information that we ask you to provide may be sensitive personal data, as defined by the Data Protection Act 1998. Sensitive personal data may include information relating to your health, race, religion and any criminal convictions that you have. We will only use sensitive personal data about you for the specific purposes of dealing with your policy and to provide the services described in your policy documents. 19 D ata protection Further information You are entitled to receive a copy of the information we hold about you. If you would like a copy of your information held by Tesco Bank, please contact the Data Protection Officer at: Freepost RSJB-RYLK-JKUX Tesco Bank Data Protection Requests P.O. Box 277 Newcastle upon Tyne NE12 2BU If you would like a copy of your information held by Tesco Underwriting, please contact the Data Protection Officer at: Tesco Bank Ageas House Hampshire Corporate Park Templars Way Eastleigh Hampshire SO53 3YA In both cases please give your name, address and (if you have one) your policy number. You may be charged a small administration fee. Details will be provided at the date of request. Financial Services Compensation Scheme (FSCS) The administrator and the insurer are covered by the Financial Services Compensation Scheme (FSCS).  which means that you may be entitled to compensation if the administrator or the insurer are unable to meet their obligations to you. Further information is available atwww.fscs.org.uk  or by contacting the FSCS directly on 0800 678 1100. 20 Notes 21 GIDIC 0614 Tesco Bank Home Insurance and add-on insurance products are arranged by Tesco Bank acting as an insurance intermediary and is underwritten by a select range of insurers. Tesco Pet Insurance is arranged, administered and underwritten by Royal & Sun Alliance Insurance plc. Tesco Travel Insurance is provided by Ageas Insurance Ltd and DAS Legal Expenses Insurance Company Ltd for Legal Expenses cover. The Financial Failure cover is provided by International Passenger Protection Ltd and is underwritten by a consortium of insurers comprising Europaische, Groupama, Novae and Sagicor. Tesco Bank Life Insurance is provided by Aviva Life and Pensions UK Limited. For your protection, telephone calls will be recorded and may be monitored. Tesco Bank Car Insurance and add-on insurance products are arranged by Tesco Bank acting as an insurance intermediary and is underwritten by a select range of insurers. Tesco Bank is a trading name of Tesco Personal Finance plc. Registered in Scotland No. 173199. Registered Office: Interpoint Building, 22 Haymarket Yards, Edinburgh EH12 5BH. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. For your protection, telephone calls will be recorded and monitored to help detect and prevent crime, including fraud. Calls may also be monitored for training and quality purposes. If you have difficulties with your hearing or speech, contact us by Typetalk by adding 18001 to the start of any of the numbers above. Home Insurance 0845 301 0940 Lines are open between 8am and 9pm Monday to Friday, 9am to 5pm on Saturdays and Sundays. Pet Insurance 0845 078 3801 Lines are open between 8am and 8pm Monday to Friday, 9am to 5pm on Saturdays and 10am to 5pm on Sundays. Travel Insurance 0845 293 9474 Lines are open between 8am and 8pm Monday to Friday, 9am to 4pm on Saturdays and 10am to 5pm on Sundays. Life Insurance 0845 300 7140 Lines are open between 8am and 8pm Monday to Friday, 9am to 5pm on Saturdays and 10am to 4pm on Sundays. tescobank.com We could help you save on other insurance Tesco Bank Driver Injury Cover phone numbers Customer Services Line 0845 673 0000 Lines are open Monday to Friday 8am to 9pm, Saturday to Sunday 9am to 5pm. Claims Please report your claim to your car insurer, their details can be found on your policy schedule. Then call the Driver Injury claims line on 0845 300 0680. </p>