Mayfair Banking Service

This information is correct as at 22 June 2007.

About us
Lloyds TSB Private Banking Limited is a provider of financial services and products in the UK.
We are licensed to provide credit. Our consumer credit licence number is 232851. You can find out more details about the consumer credit licence scheme by visiting www.oft.gov.uk.

We may monitor or record calls in case we need to check we have carried out your instructions correctly and to help improve our quality of service.

Lloyds TSB Bank plc Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no. 2065.
Lloyds TSB Private Banking Limited Registered office: 25 Gresham Street, London EC2V 7HN.
Registered in England and Wales no. 2019697.

Authorised and regulated by the Financial Services Authority and signatories to the Banking Codes.

Back to top

About our current and savings accounts
Our accounts are subject to the regulation of the Financial Services Authority, and we are authorised and regulated by the Financial Services Authority. You can find out more details by visiting www.fsa.gov.uk.

The contract for this product is in English. You agree that we can communicate with you in English once the contract is made.

General
These terms and conditions apply to all Mayfair Bank accounts. Terms and conditions specific to individual accounts are detailed below. These terms add to any terms that are implied into the banker/customer relationship by law (‘implied terms’). If there is any conflict between implied terms and these terms, then these terms will come first.

In these terms, Lloyds TSB Private Banking Limited is referred to as the ‘Bank’, ‘we’ or ‘us’.

Before opening a Mayfair account, we may take up references or otherwise satisfy ourselves of your identity and suitability to be a Mayfair account holder. We can refuse to open a Mayfair account or to accept a deposit without giving any reason.

If your income or assets fall below the minimum entry criteria in place for the Mayfair Banking Service at any time we have the right to convert it to a standard Lloyds TSB Cheque account, providing reasonable notice is given.

We may vary the account’s features or the terms and conditions from time to time. We may do this, for example, to:
- make a change to your benefit, or not affecting your rights or obligations
- meet legal, fiscal or regulatory requirements
- correct errors, omissions, inaccuracies or ambiguities
- deal with reorganisations within the Lloyds TSB Group
- cover service differences for new computer or other processes
- bring us into line with market practice
- reflect developments we wish to make to your account and changes in client demand or requirements.

If the change is to your disadvantage, we will tell you about it personally at least 30 days before we make the change.  At any time up to 60 days from the date of the notice you may, without notice, switch your account or close it without having to pay any extra charges or interest for doing this.

We may make any other change immediately and tell you about it within 30 days in a newspaper, branch, letter or on-line – whichever is appropriate for the change we are making and the type of account you have.

Relationship Fee and other charges
You agree to pay the relationship fee. While you maintain any of your Mayfair Bank accounts, no further relationship fees will be charged for accounts subsequently opened by you, your partner or spouse, or anyone else as agreed with your relationship manager. If you close your account(s), we may charge relationship fees for any other person’s accounts.

You will have access to a dedicated relationship manager and (subject to status and application) access to a range of banking products. The fee will be debited automatically from an account as agreed with your relationship manager. The fee will be debited monthly in advance by Direct Debit or, yearly or half-yearly in advance by Standing Order, as agreed with you. There may be additional charges for particular banking or other services we provide. For full information on our charging and interest please contact your relationship manager.

We will not provide you with advice as part of the service for which you pay the relationship fee. Where advisory services are available, these will be subject to separate terms and conditions and might involve further fees.

We can vary our relationship fee and other charges or introduce new ones by giving you 30 days notice. We will notify you of any account transaction charges and debit interest payable at least 14 days prior to the charging date.

Please note that we are required to advise you of the possibility that there may be other costs or taxes imposed by third parties in connection with this account.

Back to top

Running your account
You will examine bank statements, confirmations and communications to you within a reasonable time after receiving them and will promptly advise us of any apparent mistake or discrepancy. Delay in notification may make correcting the error difficult.

In certain circumstances we may refuse to accept a payment into the account.

Your account should not become overdrawn without arrangements having been made with us nor should the account operate in excess of the agreed borrowing limits. We will, however, automatically waive all debit interest below £10.00 per month should your account become overdrawn at any point. This will prevent small interest charges being levied on your account for temporary overdrafts. Please note that debit interest amounts of £10.00 or more in any month will be charged in full.

You should only issue instructions to us to withdraw funds from your account where there are sufficient funds available or, where an overdraft limit has been agreed and the withdrawal will not cause that limit to be exceeded. However, if at any time such instructions would result, without prior arrangement, in the account becoming overdrawn, or the agreed overdraft limit being exceeded, we may in our sole discretion and without contacting you, allow an overdraft to be created or allow the agreed overdraft limit to be exceeded. In these circumstances the new or excess overdraft is an unauthorised overdraft and you will be charged at the applicable rate.

We may at any time, without giving you notice, withdraw or restrict any right to an overdraft or demand immediate repayment of your overdraft.

We will write to you if we require any repayment of your overdraft.

We will tell you what you can do to help protect your accounts. This will include not giving out any account or security details, such as your account number, password or PIN to anyone. If you tell us that your cheque book, passbook or debit or credit card has been lost or stolen or that someone else knows your PIN or other security information, we will take immediate steps to try to prevent these from being used. If you act fraudulently you will be responsible for all losses on your account. If you act without reasonable care and this causes losses, you may be responsible for them.

We may refuse to carry out an instruction or insist on further confirmation from you. Before acting on an instruction, we may also (but will not have to) take steps to check whether you authorised it. For example, we may ask you to provide more information, which may include any further proof of identity. We may also need to delay carrying out instructions to meet our obligations under regulations to combat money laundering or other regulations. In certain circumstances we may not be permitted to tell you the reason for any delay as a result of our reasonable view of the effect of applicable regulations. We will not be responsible to you for loss resulting from any delay as long as we have acted reasonably.

There will be no duty on us to disclose to you or take into consideration when acting for you, any confidential information about another person or anything which does not and could not reasonably be expected to have come to the personal notice of the individual acting on your instructions.

If you authorise us to accept instructions from third parties, we will accept those instructions in the same ways that we accept instructions from you, including (amongst other ways) by the use of electronic communications where you have agreed that we may accept instructions from you using electronic communications. This will be under the same terms and conditions as apply to instructions from you, in each case as though we had received the instruction from you.

If we receive a ‘third-party claim’ against the funds in your account (for example, if someone takes legal action to recover funds they believe belong to them), or if we know of or believe that there is a dispute involving someone else about the ownership or control of funds in the account, we may:
• put a hold on your account and refuse to pay out any funds from your account until we are satisfied that the dispute is settled;
• close the account and send the balance to the named account holder (or holders);
• continue to rely on the current account records;
• apply for a court order; or
• take any other action which we feel is necessary to protect us.

If we have acted reasonably, we will not be liable to you for taking any of those steps.

In providing our services, we will not act as your agent, or as the agent of any other party, unless we specifically notify you in writing that we will be acting as an agent for any particular service(s).

Notice period for closure of accounts
At any time we can require you to close the account. We may do this without giving you any reason, but we will normally give you at least 30 days notice.

About cancelling your account
You can cancel the contract for your account at any time but if you do so, you must return any money you owe us. If you use an overdraft facility before you cancel, we will not charge you for its use unless we have agreed an overdraft with you in excess of the interest free overdraft facility available on the account. In this event you will be made aware of the interest rate for that overdraft at the time we agree to offer you that facility. If you’d like to cancel you can do this by contacting your relationship manager. Our contract will continue to apply if you don’t cancel. Whilst you can cancel at any time, should you decide within 30 days of opening your account that for any reason you don’t want it, we’ll refund the relationship fee if you’ve had to pay it.
Back to top

Joint accounts
This section applies if more than one person is named in section 2 of the application form. If so, any reference to ‘you’ in these terms and conditions (apart from this joint accounts subsection) will, if appropriate where the reference appears, be taken to be a reference to either or both of you. We
will open all the accounts you have requested on the application form as joint accounts. (Please complete a separate form if you want us to open any account in the name of just one of you.) The instructions in the application form will apply to all future accounts you open in both of your names unless you specifically tell us otherwise.

A joint account means:
• Both of you are separately responsible for keeping to the terms of this agreement. If either of you does not keep to them, we can take action against either or both of you singly or together. For example, we can take action to recover the whole of any debt from either or both of you.
• We may give any information about the account to either of you (even if you choose that both of you must sign instructions to us).
• If you have chosen to allow either of you to authorise transactions on the account, either of you will be able to withdraw any money in the account or obtain overdrafts (which may be without the other’s knowledge), even if, as a result, the account becomes overdrawn or an existing overdraft is increased. We will not be obliged to make any enquiries about the purpose of any transactions.
• If you have chosen to let either of you operate accounts alone, either one of you can later instruct us that both of you must authorise in future. If you have chosen that both of you must authorise, and later change your minds, both of you must tell us in writing that either of you may operate the account in future. The account cannot later be put into just one of your names, unless you both agree. You must give us reasonable time to implement a change to this agreement.
• If there is a dispute between you about your account, we may require you both to authorise transactions until you both agree how the account is to be run.
• If either of you dies, we will pay any balance on your account to the other.

Instructions from either or both of you
• On your application form you have chosen whether you both want to authorise all transactions on your accounts, or whether either one of you has power to do so alone. Transactions include issuing cheques and other payment instructions (including setting up standing orders and direct debits), withdrawing money from any account and dealing with securities or any other property we may hold on your behalf in connection with the joint account.
• Note that some types of account may not be available at all if you have chosen that both of you are to sign. An example is internet banking (‘Lloyds TSB On-line’). This is because it is not possible for more than one customer to give an instruction at the same time on such systems.
• If you have chosen to let either one of you operate accounts, we may act on the instructions of one of you even if, as a result, the account becomes overdrawn or an existing overdraft is increased.
• If you have chosen to let either of you operate accounts alone, either of you can later instruct us that both of you must authorise in the future. If you have chosen that both of you must authorise and later change your minds, both of you must tell us in writing that either of you may operate the account in the future. You must give us reasonable time to implement a change to this agreement.

My personal data and Lloyds TSB
The Lloyds TSB group includes all companies with the Lloyds TSB name, Cheltenham & Gloucester plc and Scottish Widows plc and their associated companies. You agree that we may keep your personal details, given to us by you or other people during your relationship with us and other companies in the Lloyds TSB group, in a Lloyds TSB database. This includes:
• details you give us on your application form;
• details you give us during financial reviews and interviews;
• our analysis of your banking transactions and those for any associated services, benefits and products you use or take; and
• what we know from operating your accounts.

Companies in the Lloyds TSB group may use and update this centrally held information to:
• provide you with services;
• identify products and services which might be suitable for you;
• assess lending and insurance risks;
• recover debts;
• prevent and detect fraud; and
• update their own records about you.

We may also use your information for research and statistical analysis with the aim of improving our services. If you request it, on payment of a fee, we will provide you with a copy of the information we hold, in line with the Data Protection Act.

The information we hold about you is confidential. We will only disclose it outside the Lloyds TSB group when:
• you give us your consent:
• to market research companies whom we have asked to conduct market research on our behalf:
• it is needed by our agents and others involved in running accounts services, benefits and products for you;
• we or others need to investigate or prevent crime;
• the law permits or requires it, even without your consent;
• to meet our obligations to any regulatory authority or taxing authority;
• there is a duty to the public to reveal the information.

We may administer your account and provide other services from centres in countries outside Europe (such as India and the USA) that do not always have the same standard of data protection laws as the UK. However, you will have a contract in place to ensure that my information is adequately protected, and you will remain bound by your obligations under the Data Protection Act even when my personal information is processed outside Europe.

Permission to process medical and health information
You understand that Lloyds TSB Private Banking Limited, Lloyds TSB Bank plc and the insurers who underwrite Lloyds TSB Travel Insurance need medical and health information about you, your partner and your dependants to:
• assess insurance risk
• process insurance claims
This includes information you, your partner or dependants, or a medical specialist give now or later.

You agree your consent has been given for us to hold and use this information for these purposes about you, your dependants and your partner who will be covered by the Lloyds TSB Travel Insurance.

When assessing my application and managing my borrowing automated decision making systems may be used.  If  you would like us to review a decision we have made about you (whether or not automated) please let us know within 21 days of being notified of the decision.  I agree that when making credit decisions you may make searches at credit reference agencies, including electoral register information. These searches will be recorded by the credit reference agencies.

I agree that if I am applying in joint names, this will create a financial link between us in the records at the credit reference agencies meaning that my financial affairs and those of my joint applicant may be treated as affecting each other.

You may disclose how I have run my accounts to the credit reference agencies. In the event that you make formal demand for repayment of my borrowing and I do not make full repayment or satisfactory proposals to you within 28 days, you may disclose this to the agencies, who will record the outstanding debt.

I agree that credit reference agencies may form a link in the records they hold about me, between any previous or subsequent names that I use.

I understand that if false or inaccurate information is provided or fraud is suspected, details may be passed to fraud prevention agencies and other relevant organisations. Law enforcement agencies may access and use this information.

You and other organisations may use credit reference agency records about me and people financially linked to me and may also use records about me and others held with fraud prevention agencies to help make decisions :
• for credit and credit related services, and to manage accounts,
• for checking details on proposals and claims for all types of insurance,
• for fraud prevention, debtor tracing, debt recovery, and to prevent money laundering, and
• for checking details of job applicants and employees.

You and other organisations may access and use from other countries the information recorded by fraud prevention agencies.

If you ask, we will tell you which credit reference and fraud prevention agencies we have used so you can get a copy of your details from them. We may monitor or record phone calls with you in case we need to check we have carried out your instructions correctly and to help improve our quality of service.

Contacting you
Personal contact is an important part of the Mayfair relationship. Your relationship manager may contact you personally (in person and by post, telephone, fax or e-mail), to inform you about products and services offered by Lloyds TSB and others that he or she thinks are relevant to you, based on his or her understanding of your financial needs. In addition to this, others from Lloyds TSB Private Banking Limited would like to contact you by post, telephone, fax or email with information about products and services of Lloyds TSB group companies and others. If you would prefer not to receive this additional contact from us, please inform your relationship manager. You will then only be contacted by your relationship manager as referred to above. We will not permit anyone who does not have a relationship with you, including those in the Lloyds TSB group, to market to you without consent.

About disputes in relation to this contract
English law applies to our discussions about your account and to this contract. If you want to make a complaint about this contract or the service that you are receiving from us your first point of contact should be the person or people you usually deal with. This would be your relationship manager and you can tell us about your concern in writing or by phone. We’ll acknowledge your complaint promptly and keep in contact until all enquiries are completed. We would always aim to resolve your complaint at this stage. However, if a dispute cannot be resolved by our internal complaint procedures, you will be entitled to make a complaint to the Financial Ombudsman Service:

The Financial Ombudsman Service,
South Quay Plaza, 183 Marsh Wall,
London E14 9SR. Tel: 0845 080 1800.
www.financial-ombudsman.org.uk

If a dispute cannot be resolved by our internal complaint procedure or by the Financial Ombudsman Service, the English courts will have jurisdiction to hear a dispute.

Additional Terms applying to the Mayfair Current account
Temporary borrowing arrangements can be made using an overdraft and each arrangement is individually tailored. Debit interest is charged on a monthly basis and rates are available on request.

The overdraft interest rate for agreed overdrafts will be detailed in an overdraft facility letter.

Subject to the £10.00 waiver referred to above in the ‘Running your account’ section, unauthorised borrowing will be charged at the applicable interest rates and will incur other charges. You can obtain details from us.

Monthly debit interest is calculated to the 10th of each month, pre-advised to clients on the 23rd of the month, or the first working day thereafter and debited from the account on the 4th of the following month, or the first working day thereafter. Please see the separate ‘Your Guide to our charges’ leaflet for further details.

Interest is not payable on credit balances.

Loans and Overdrafts
The opening of a Mayfair Current account and the provision of credit is subject to our assessment of your circumstances and you must be 18 or over to apply. Overdrafts are repayable on demand

Additional Terms applying to the Mayfair High Interest Cheque account
Temporary borrowing arrangements can be made using an overdraft and each arrangement is individually tailored. Debit interest is charged on a monthly basis and rates are available on request.

The overdraft interest rate for agreed overdrafts will be detailed in an overdraft facility letter.

Subject to the £10.00 waiver referred to above in the ‘Running your account’ section, unauthorised borrowing will be charged at the applicable interest rates and will incur other charges. You can obtain details from us.

Monthly debit interest is calculated to the 10th of each month, pre-advised to clients on the 23rd of the month, or the first working day thereafter and debited from the account on the 4th of the following month, or the first working day thereafter. Please see the separate ‘Your Guide to our charges’ leaflet for further details.

Credit interest is payable monthly and will be added to the account unless written instructions are received to the contrary. Monthly interest is calculated to the 8th of each month and credited to the account on the 9th of the month, or the first working day thereafter. The rates of interest payable from time to time on the High Interest Cheque account are displayed at our offices and we can vary the rates at any time. When interest rates change we will personally notify you within 30 days. The new rates will come into force as soon as we display them.

We calculate interest on a daily basis on cleared credit balances. If required by current tax legislation, interest will be paid after deducting income tax at the appropriate rate (this is the ‘net’ rate of interest). We reserve the right to pay interest at the net rate on all accounts.

Loans and Overdrafts
The opening of a Mayfair High Interest Cheque account and the provision of credit is subject to our assessment of your circumstances and you must be 18 or over to apply. Overdrafts are repayable on demand.
Back to top

About our Mayfair Instant Access Investment account

About us
Lloyds TSB Private Banking Limited is a provider of financial services and products in the UK.

We are authorised and regulated by the Financial Services Authority. You can find out more details by visiting www.fsa.gov.uk.

About our savings account
The Mayfair Instant Access Investment account is a Savings account.

There is no minimum duration for our savings products, except for Term Deposits, which offer a guaranteed rate of interest for a fixed period.

If you leave Mayfair Banking, you will no longer be entitled to a Mayfair Instant Access Investment account and we will make arrangements with you to close your Mayfair Instant Access Investment account and to transfer your balance to another savings account with Lloyds TSB Bank plc.

No withdrawals by Standing Order or Direct Debit are permitted on the Mayfair Instant Access Investment account.

If you are not happy about your choice of savings account we will help you switch to another savings account with Lloyds TSB Bank plc or we will give you all the money back with any interest it has earned.

The contract for this product is in English. You agree that we can communicate with you in English once the contract is made.

About the charges for our savings account
We don’t make any charges for our savings accounts.

Please note that we’re required to advise you of the possibility that there may be other costs or taxes imposed by third parties in connection with this savings account.

Interest
We display current rates of interest paid on the Mayfair Instant Access Investment account in our Mayfair Banking office. We can vary the rates at any time. When interest rates change we will personally notify you, within 30 days. The new rates will come into force as soon as we display them.

We calculate interest on a daily basis on cleared credit balances. If required by current tax legislation, interest will be paid after deducting income tax at the appropriate rate (this is the ‘net’ rate of interest). We reserve the right to pay interest at the net rate on all accounts. We will pay interest monthly on the 9th day of each calendar month. If the interest payment date is not a working day, interest will be paid on the next working day.

You can print off details about the current interest rates for our savings accounts at www.lloydstsb.com.

About cancelling your savings account
You can cancel the contract for our savings accounts (except for a Term Deposit) at any time. If you’d like to cancel, please contact your relationship manager.

A Term Deposit cannot be cancelled during the term and no withdrawals are allowed before the end of your fixed period when your investment matures.

About disputes in relation to this contract
English Law applies to our discussions about a savings account and to this contract.

If you want to make a complaint about this contract or the service that you’re receiving from us your first point of contact should be the person or people you usually deal with. This will be your relationship manager and you can tell us about your concern in writing or by phone. We’ll acknowledge your complaint promptly and keep in contact until all enquiries are completed. We would always aim to resolve your complaint at this stage. However, if a dispute cannot be resolved by our internal complaint procedures, you’ll be entitled to make a complaint to the Financial Ombudsman Service:
 
The Financial Ombudsman Service,
South Quay Plaza,
183 Marsh Well,
London E14 9SR,
0845 080 1800.

If a dispute cannot be resolved by our internal complaint procedure or by the Financial Ombudsman Service, the English courts will have jurisdiction to hear a dispute.

Financial Services Compensation Scheme
Lloyds TSB Private Banking Limited is a member of the Financial Services Compensation Scheme established under the Financial Services and Markets Act 2000.

Deposits
Most deposits, including those made by individuals and small firms are protected by the scheme. Where you make a deposit with us in the United Kingdom, payments under the scheme are limited to 100% of the first £2,000 of your total deposits with us and 90% of the next £33,000, resulting in a maximum payment of £31,700. The scheme also covers deposits made with our offices, if any, elsewhere in the European Economic Area and deposits in all currencies are treated alike. A leaflet with further details is available on request from the scheme. Call their Helpline on 020 7892 7300, log onto their website at www.fscs.org.uk or write to the Financial Services Compensation Scheme, 7th floor, Lloyds Chambers, Portsoken Street, London E1 8BN.

Back to top

Travel Insurance Summary of Cover

This policy summary does not contain full details and conditions of your insurance – these are located in your policy wording which are located in the Mayfair Banking Service Travel Insurance Terms and Conditions.

AXA Insurance
Benefits under this policy are underwritten by AXA Insurance UK plc.

Type of insurance and cover
Travel insurance for trips taken anywhere in the world whilst your Mayfair Current or High Interest Cheque account is in force.You and your family (please refer to definitions in full policy wording) are covered for travel anywhere in the world wherever and whenever you go. You are also automatically covered for winter sports cover.

Other upgrade options of golf equipment, increased baggage cover limits, increased winter sports cover limits, wedding/civil partnership cover, business travel cover, independently booked accommodation protection, disability benefit following road traffic accident in New Zealand, additional adult or child, excess waiver, family travel or trip extension may also be included – your upgrade schedule will show if you selected these options.

Exclusions relating to your health
• It is essential that you refer to the ‘Exclusions relating to your health’ section in the policy wording as failure to comply with these terms may jeopardise your claim or cover – please refer to pages 19-21 of your policy for full details of the exclusions.

Conditions
• If you are travelling to Australia and you require medical treatment you must enrol with a local Medicare office.

Special conditions apply to each section of your policy – please refer to the policy wording for full details.

Features and benefits
Emergency and medical services
• Medical expertise to arrange medical assistance or transport home following an accident or illness or if you are informed of a serious illness of a close relative at home whilst on holiday.

Section A – Cancellation or curtailment charges and early return
• Unavoidable or necessary cancellation or curtailment of the trip or early return home and (if the situation permits) the costs of transporting you back to your resort before completion due to, death, bodily injury or illness, compulsory quarantine or jury service, redundancy, withdrawal of leave for members of the armed forces or emergency services, the Police requesting you to return to or remain at your home due to serious damage to your home exceeding £1,500 caused by fire, aircraft, explosion, storm, flood, subsidence malicious persons or theft. The maximum we will pay under this section is £5,000 per person.

Section B – Emergency medical and other expenses
• Medical, surgical, hospital, ambulance and nursing fees up to £5,000,000 outside your home area.
• Emergency dental treatment for pain relief up to £1,000 incurred outside your home area.
• Reasonable cost of funeral expenses abroad up to £1,000 plus the reasonable cost of conveying the ashes or body home.
• Reasonable additional transport or accommodation expenses incurred if it is medically necessary for you to stay beyond your scheduled return date.

Section C – Hospital benefit
• Up to £25 for every completed 24 hours in patient hospital stay up to a maximum of £250.

Section D – Personal accident and travel accident cover
• Up to £30,000 for death, loss of limb or sight and permanent total disablement increased to up to £100,000 for death or disablement caused by an accident involving public transport on which you were travelling provided the full cost of the public transport has been charged to your Lloyds TSB Private Banking debit card, subject to age – please refer to policy wording for full details of the cover available.

Section E – Baggage and baggage delay
• Accidental loss, theft or damage to baggage (excluding golf equipment) up to £1,500. Up to £300 for any one article, pair or set of articles and up to £300 for all valuables – please refer to ‘Definitions’ in the policy wording.
• Up to £50 or £100 for the replacement of essential items if your baggage is lost or misplaced and not returned for more than 12 or 24 hours respectively on the outward journey.
• Accidental loss, theft or damage to golf equipment (your upgrade schedule will show if cover for golf equipment is operative) up to £1,500 with up to £175 for the emergency replacement or hiring of golf equipment.

Section F – Personal money and travel documents
• Accidental loss, theft or damage of personal money including foreign currency – please refer to policy wording for full details of the cover available.
• Up to £200 for reasonable additional costs for travel and accommodation incurred whilst obtaining a replacement passport or visa abroad.

Section G – Personal liability
• Personal liability for any compensation you become legally liable to pay up to £2,000,000.

Section H – Delayed departure
• Delayed departure for at least 12 hours from the scheduled departure time. £20 for the first complete 12 hour delay and £20 for each completed 12 hours following, up to a maximum of £100.
• Up to £5,000 for any irrecoverable travel and other pre-paid charges if you choose to cancel your trip once 12 hours has elapsed.

Section I – Missed departure
• Up to £500 (if European destination) or up to £1,000 (if destination outside Europe) for additional room only accommodation and travel expense due to the failure of public transport or an accident or breakdown of the vehicle you are travelling in or strike.

Sections J, K, L and M – Winter sports
• Section J – Ski Equipment. Up to £300 for the loss of or damage to your own Ski Equipment or up to £200 for hired ski equipment, subject to a maximum £300 for any one article, pair or set of articles.
• Section K – Ski Pack. Up to £5,000 for the unused portion of your ski pack following your bodily injury or illness and up to £150 for the unused portion of your lift pass if lost. The combined total amount payable under Section A – Cancellation or curtailment charges and early return and Section K – Ski pack will be no more than £5,000.

• Section L – Piste Closure. Up to £15 per day, up to a maximum of £150 for the cost of transport organised by your tour operator to an alternative site if snow conditions result in total closure of skiing facilities. If no alternative sites are available we will pay you compensation of £15 per day up to a maximum of £150.

• Section M – Hire of Ski Equipment. Up to £20 per day, up to a maximum of £300 for the cost of hiring ski equipment following the loss, theft of or damage to your own ski equipment – your upgrade schedule will show if this option is operative.

Section N – Overseas legal expenses and assistance
• Legal expenses and costs in pursuit of a civil action up to £25,000.

Section O – Wedding/civil partnership cover
Your upgrade schedule will show if this option is operative.
• Accidental loss, theft or damage of certain items forming part of your baggage. Up to £250 for each wedding ring, up to £1,000 for wedding gifts, up to £1,500 for wedding attire.
• Up to £750 for the reasonable cost incurred to reprint/make a copy of or retake the photographs/video recordings.

Section P – Business travel
• Up to £1,000 for accidental loss, theft or damage to business equipment, subject to a maximum of £300 for any one article, pair or set of articles.
• All reasonable additional accommodation and travelling costs for a colleague to take your place in the event of your death, total disablement or hospitalisation.

Section Q – Independently booked accommodation protection
Your upgrade schedule will show if this option is operative.
• Unused accommodation costs and charges following cancellation of the trip before completion or additional accommodation and transport costs incurred if you cannot use your booked accommodation due to insolvency of the accommodation provider, fire, flood, earthquake, explosion, tsunami, landslide, avalanche or storm. The maximum we will pay under this section is £5,000 per person.

Section R – Disability benefit following road traffic accident in New Zealand
Your upgrade schedule will show if this option is operative.
• £250 per week for temporary total disablement if you sustain bodily injury as a result of a road traffic accident while travelling in a hire car in New Zealand, subject to age – please refer to policy wording for full details of the cover available.

Section S – Personal assistance services
• Up to £250 towards administration and delivery costs for a range of services, such as transfer of emergency funds and tracing lost baggage – please refer to the policy wording for full details of the services available.

Significant or unusual exclusions or limitations
• The standard excesses you have agreed to pay will be shown within your policy wording. If you have purchased the excess waiver upgrade option this will be shown on your upgrade schedule.
• Winter sports cover is not available for persons aged 65 or over when engaging in this for the first time.
• There is no cover for trips over 62 days in duration unless you have purchased the trip extension to provide cover for longer trips. Your upgrade schedule will show if this option is operative.
• Cover under your policy will cease after you reach 80 years old or until your Mayfair Current or High Interest Cheque account is closed or the policy is cancelled, whichever is the earlier.

General exclusions
• War risks, civil commotion, terrorism, sonic bangs, radioactive contamination.
• There are a number of activities, practices and winter sports that are excluded – please see paragraphs 5, 6, and 7 in the general exclusions section of the policy wording. The activities described in paragraph 5 can be included if an additional premium has been paid. Your upgrade schedule will show if you have chosen this option.
• Wilful, self inflicted injury, solvent, drug or alcohol abuse.
• Unlawful actions and any subsequent legal proceedings brought against you.
• Travel to a country or specific area or event which the Foreign and Commonwealth Office or the World Health Organisation has advised the public not to travel to.

Exclusions under Section A - Cancellation or curtailment charges:
• Redundancy caused by misconduct, resignation, voluntary redundancy or where notification of redundancy was given prior to the application for this policy.
• Any circumstances known prior to booking the trip that could reasonably be expected to give rise to a claim.

Exclusions under Section B - Emergency medical and other expenses:
• Treatment or surgery which in the opinion of the medical practitioner in attendance can wait until your return to the United Kingdom.
• Medication, which prior to departure is known to be required.
• Expenses incurred as a result of any medical condition where you have not had the recommended inoculations and/or taken the recommended medication to prevent that condition.
• Treatment for cosmetic purposes.

Exclusions under Section C -Hospital benefit:
• Expenses incurred as a result of a tropical disease where the required inoculations have not been undertaken.

Exclusions under Section E - Baggage and baggage delay:
• Valuables or your passport left unattended at any time unless in a hotel safe, safety deposit box or in your locked accommodation.
• Baggage contained in an unattended vehicle unless locked out of site in a secure baggage area and evidence of entry into the vehicle by forcible and violent means is available.
• Contact or corneal lenses, hearing aids, dental or medical fittings, ski equipment and other items are excluded – see your policy wording for the full list.
• Business goods, samples or tools used in connection with your occupation.

Exclusions under Section F - Personal money and travel documents:
• Personal money left unattended at any time unless in a hotel safe, safety deposit box or in your locked accommodation.
• Loss or theft of traveller’s cheques where you have not complied with the issuing agent’s conditions.

Exclusions under Section G - Personal liability:
• Pursuit of any trade, business or profession, or the ownership, possession or use of any vehicles, aircraft or mechanically operated watercraft.

Exclusions under Section H - Delayed departure:
• Strike, industrial action or air traffic control delay publicly declared.

Exclusions under Section I - Missed departure:
• Strike or industrial action publicly known at the time you made travel arrangements for the trip.

Exclusions under Sections J, K, L, and M - Winter sports:
• Ski equipment contained in an unattended vehicle unless locked out of site in a secure baggage area and evidence of entry into the vehicle by forcible and violent means is available.

Exclusions under Section O - Wedding/civil partnership cover:
• Valuables left unattended unless deposited in a hotel safe, safety deposit box or your locked accommodation.
• Baggage contained in an unattended vehicle unless locked out of site in a secure baggage area and evidence of entry into the vehicle by forcible and violent means is available.
• Contact or corneal lenses, hearing aids, dental or medical fittings, ski equipment and other items are excluded – see your policy wording for the full list.
• Business goods, samples or tools used in connection with your occupation.

Exclusions under Section P - Business travel:
• Business equipment left unattended at any time unless deposited in a hotel safe, locked accommodation or in the locked boot or covered luggage area of a motor vehicle.
• Loss, theft or damage of films, tapes, cassettes, cartridges or discs other than the market value.
• Any loss or damage arising from manual work.

Exclusions under Section Q - Independently booked accommodation protection:
• Any costs incurred by you which are recoverable from the company providing the accommodation or for which you receive or are expected to receive compensation.

Duration
This policy provides travel insurance for trips taken whilst your Mayfair Current or High Interest Cheque account is in force.

Cancellation period
You are free to cancel this policy at anytime by closing your Mayfair Current or High Interest Cheque account or changing it to a standard Lloyds TSB cheque account.

Claim notification
To make a claim please call the Travel Insurance Helpline on 0845 300 1340.

Making yourself heard
Any complaint you may have should in the first instance be addressed to the claim office or Helpline as applicable. If you are not satisfied with the way in which your complaint has been dealt with, you should write to the Customer Care Department of AXA Insurance.

If the complaint is still not resolved, you can approach The Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action.

Full details of addresses and contact numbers can be found within the policy wording.

Financial Services Compensation Scheme (FSCS)
AXA Insurance is covered by the FSCS, which is triggered when an authorised firm goes out of business. In this unlikely event you may be entitled to compensation from the scheme. Compensation under the scheme for:
• Compulsory insurance is covered in full.
• Non-compulsory insurance is protected in full for the first £2,000 and 90% of any amount above this threshold.

Full details are available at www.FSCS.org.uk

Back to top
Lloyds TSB Travel Service Terms and Conditions

All travel services are provided by Travelcare on behalf of Lloyds TSB Bank plc, a fully licensed and bonded Travel Agency. Travelcare is a retail member of ABTA A1926, holds an ATOL 1595 licence and is accredited by IATA.

Your Lloyds TSB Travel Service is a telephone and internet travel booking service which enables customers to book a complete selection of holiday packages, tours and cruises, tickets for scheduled airline flights, tickets for any charter airline flights offered to the public, hotel accommodation and car hire. Many special short notice, late deal holidays are available and the Lloyds TSB Travel Service will endeavour to offer the lowest official IATA scheduled airfare available at the time of booking. Lloyds TSB Travel Service customers will receive 7.5% discount off the Base Price of the travel at the time of booking (excluding scheduled airline flights, low cost and direct-sell operators).

Lloyds TSB Travel Service reserves the right to add or withdraw operators and/or products from this service at its own discretion. Discounts cannot be combined with any other offer or promotion. To obtain the discount, the Mayfair Current or High Interest Cheque account holder must be resident in the UK and included in the travelling party to which the travel costs attach and the travel must be booked through the Lloyds TSB Travel Service.

Lloyds TSB Travel Service is operated by Travelcare who simply act as your agent in arranging your travel. Accordingly, any contract for the purchase of travel is between you and your chosen tour operator/holiday provider. However, should you have any disputes or complaints with the tour operator, Travelcare will liaise with them on your behalf to attempt to resolve the situation. Tour operator terms and conditions will apply in the event of a cancellation. Relevant tour operator terms and conditions will be forwarded to the customer with their booking confirmation and invoice. Cancellations must be made in writing. Your booking can usually be confirmed instantly when you pay for your holiday arrangements by credit or debit card. Please note a 2% handling fee will be levied on all credit card transactions. If you choose to pay by cheque, your holiday arrangements will be confirmed once the payment has cleared. When you are ready to make a booking, you will be advised of the deposit required. However, if there are less than 10 weeks before the departure date, full payment will be required at the time of booking. Please note that payment in full may also be required on certain restricted scheduled flight deals where cancellation charges apply. After you have made a booking, you will receive an official confirmation and an invoice for the remaining balance within a few days thereafter. Tickets and itineraries are sent to you approximately 1-2 weeks before departure. However, for last minute holidays and flights you will have to collect your tickets at the departure airport. There is no limit to the number of times you may book travel through the Lloyds TSB Travel Service.

Booking Exclusions
Any reservations which must be booked privately, i.e. which cannot be booked through any Travel Agency (and therefore not through the Lloyds TSB Travel Service) are excluded from the service.
These include:
• hotel stays and car-hire bookings of 31 days or longer,
• tickets for domestic ferry journeys not originating in the home country,
• accommodation such as:
- rental properties (such as privately owned apartments, flats etc)
- time-shares
- non-sleeping rooms (such as conference or meeting rooms)
- health spas and health farms which do not accept bookings through any travel agency
- hotels which do not accept bookings through any travel agency
- rooms which are part of a block held by another company for conventions, special groups and/or incentive programmes
- rooms held by companies on a semi-permanent basis for use by their employees
• certain luxury and commercial hire-vehicles,
• direct sell holidays and flight operators, for example, holidays that cannot be booked through any Travel Agency,
• Ceefax/Teletext holidays.

Discount Exclusions
• all bookings where the customer is not included in the travelling party to which travel costs attach,
• low cost airlines,
• scheduled air fares,
• any amount in excess of the published base-price of the eligible travel,
including:
- air passengers’ duty
- fuel duty
- airport tax
- any products purchased in resort direct with the tour operator
- seaport taxes
- pre-bookable ski packs and lift passes.

Booking Surcharge
A booking surcharge of £20 per person is applied to all bookings for low cost airlines and scheduled flights.

Glossary
Base Price
Holiday packages/charter flights: the cost of the package/flight, as taken from the tour operator’s or travel agent’s system/on screen price. (This does not include any discounts that are funded by the travel agent.) Brochure prices are usually the same as the on screen/system price, where there is a difference the discount will be taken from on screen/system price. (This does not include any discounts that are funded by the travel agent.)

Travel
For the purpose of this document, this encompasses all bookings which may be made through the Lloyds TSB Travel Service, i.e. holiday packages (whether off the-shelf or tailored), tours and cruises, scheduled airline tickets and charter airline tickets offered to the general public, hotels and car hire.

Travel Consultant
Employee of Travelcare, providers of the Lloyds TSB Travel Service who deals with the customer’s enquiries and bookings.

Holiday and Charter Flight Price Match
Price Match proposition
If you find exactly the same holiday, cruise or charter flight at a cheaper price from an independent High Street ABTA bonded travel agent, with the same operator and booking conditions, within 48 hours of receiving a quote from, or making a booking with, the Lloyds TSB Travel Service, we will match the price, or refund the difference where you have already made your booking with the Lloyds TSB Travel Service.

Holiday Price Match conditions
The Price Match offer applies to the basic holiday prices excluding insurance. Lloyds TSB Travel Service reserves the right to require reasonable proof from the customer that the cheaper charter flight or holiday is available (for example, a quotation slip) before the Price Match offer will apply. Where a customer can produce evidence that they could have obtained the charter flight or holiday cheaper than they actually bought it through the Lloyds TSB Travel Service, the Lloyds TSB Travel Service shall refund the customer the difference between the price actually paid and the cheaper deal.

Exclusions
The Price Match will not apply if the airline or holiday company has changed the details of the flight or holiday including, and not limited to, price or booking class between the date the customer booked and the departure date, and if the terms of the Price Match as previously provided to the customer are not met.

Airport Lounge Access
The lounge access benefit provides first-class comfort of fully serviced airport lounges at all major UK airports on a complimentary basis (outbound travel only). This is a perfect fit for long haul flights, where check-in times are up to three hours in advance of flights. All members of the Lloyds TSB Travel Service customer’s travelling party can enjoy this benefit at no extra cost.

Cool, quiet and comfortable, these relaxing, air-conditioned lounges offer complimentary tea, coffee, soft and alcoholic beverages (except champagne), snacks, newspapers and magazines. Champagne is available, but is charged for.

Most lounges also have TV, flight information, newspapers and magazines, payphones and Business Centres including fax and photocopying facilities (for which there may be a small charge).

A travel booking which incorporates an ‘air’ element (i.e., a flight or package holiday) must be made in order to obtain the lounge voucher and reservations are made through the Lloyds TSB Travel Service. The customer is given one voucher with their tickets to cover the entire party, which should simply be presented to the lounge staff upon arrival.

Entry to the lounges is subject to availability and some lounges do not accept children under 12 years of age (although the main airports of Heathrow and Gatwick do accept children).

There are approximately 20 lounges, available at all the following major UK airports and can be used by customers travelling on international flights only:

• Aberdeen
• Birmingham
• Bristol
• East Midlands
• Edinburgh
• Gatwick
• Glasgow
• Heathrow
• Humberside
• Leeds/Bradford
• Luton
• Manchester
• Newcastle
• Stanstead

Airport Lounge Service Terms and Conditions
a) Customers must present their lounge voucher on arrival at the lounge.
b) Complimentary lounge access is only available at the UK airports listed: Aberdeen, Belfast, Birmingham, Bristol, Cardiff, Edinburgh, Gatwick, Glasgow, Heathrow, Humberside, Leeds/Bradford, Liverpool, Luton, Manchester, Newcastle and Stansted (these are subject to change without notice).
c) Lounges are only available to customers and their travelling companions travelling on international flights. Domestic travellers do not have access to the lounges unless indicated otherwise.
d) Access to the lounges is subject to availability.
e) Access is only available on outbound journeys.
f) The complimentary access is only available when booking a qualifying international flight reservation through the Lloyds TSB Travel Service or when subject to a valid Holiday and Charter Flights Price Promise claim (see Holiday and Charter Flights Price Promise terms and conditions).
g) The customer must indicate at the time of booking which airport he/she requires the voucher for, if connecting to an international flight at another UK airport. The voucher is non-transferable and is only valid for the date of travel.
h) The customer and travelling companions may use the lounge up to three hours before his/her outbound international flight.
i) Access is for the customer and his/her travelling companions.
j) The following lounges do not permit children under 12: Aberdeen, Belfast, Birmingham, Bristol, Cardiff, Edinburgh, Gatwick South Terminal, Glasgow, Humberside, Leeds/Bradford, Luton, Manchester, Newcastle and Stansted. These are subject to change without notice.*
k) Lounges are owned and operated by third party organisations. The customer and travelling companions must abide by the rules and policies of each lounge; for example, access may be refused because of dress restrictions.
l) Complimentary lounges are not available at Manchester Terminal 3.
m) Business centre facilities such as phones, faxes and Internet access are available at most lounges for which a usage charge may apply.*

*Customers are advised to check with the agent at the time of booking.

Airport Lounge Service Price Match (‘the Lounge Price Match’)
The supplier shall procure that all Mayfair current or High Interest Cheque account clients are offered the benefit of the ‘Lounge Price Match’ subject to customers complying with the Airport Lounge Service terms and conditions. The Lounge Price Match applies where a Mayfair current or High Interest Cheque account client obtains a cheaper quotation and books their flight or holiday (containing an international ‘air’ element) through another travel agent within 48 hours of receiving a quote from the Lloyds TSB Travel Service for the same holiday or flight with the same operator and booking conditions and where the Lloyds TSB Travel Service was unable to match the price. The ‘Lounge Price Match’ applies to any booking that can be made through a travel agent (i.e. it excludes low cost airlines but includes Internet and direct sell operators who are selling a product also available through High Street travel agents).

Airport Lounge Service Price Match

a) If Lloyds TSB Travel Service cannot match a price you get from another travel agent for an international flight or a package holiday abroad (with the same conditions of travel), the Lloyds TSB Travel Service will provide complimentary lounge access for your travelling party.
b) This Airport Lounge Service Price Match offer only applies to international holidays and flights that the Lloyds TSB Travel Service is able to book, for example it doesn’t apply to low cost providers like easyJet (please see the Lloyds TSB Travel Service for full terms and conditions and qualifying travel products).
c) You may be asked to provide suitable evidence of your alternative travel booking to ensure that it qualifies for complimentary airport lounge access.
d) Lounge vouchers will be issued under this Airport Lounge Service Price Match offer for a maximum of five bookings per account per year and subject to the Airport Lounge Service terms and conditions.

AA Breakdown Cover Policy Summary

This document is intended to provide you with basic details of your AA Breakdown Cover, which provides Breakdown Assistance as part of the Mayfair Current or High Interest Cheque accounts. The provider of this cover is The Automobile Association Limited, unless otherwise stated.

When the term ‘us’ or ‘we’ is used in this summary it refers to the Insurer. This is not a statement of the full terms and conditions of your policy, which can be found in the Mayfair Banking Service, Important Information and Terms and Conditions and should be read in conjunction with this summary. If your Mayfair Current or High Interest Cheque account is terminated during a subscription year, your rights to complementary service from the AA will also cease immediately.

1.What are the main features/benefits of AA Breakdown Cover and Accident Management Cover?

Roadside Assistance – Provides assistance at the roadside if you have broken down more than a 1/4 of a mile from home. Tow to a local garage for you, your vehicle and up to 7  passengers if we are unable to fix your vehicle at the roadside.

Home Start – Provides the benefits outlined under Roadside Assistance, if you break down within a 1/4 of a mile from home. Available 24 hours after opening your Mayfair Current or High Interest Cheque account.

Relay – Recovery to any single UK destination of your choice if we are unable to fix your car locally within a reasonable time. Available 24 hours after opening your Mayfair Current or High Interest Cheque account.

Relay Plus (underwritten by Automobile Association Underwriting Services Limited) – Choice of onward travel options if we are unable to fix your car locally within a reasonable time. Options include replacement car for up to 48 hours, public transport costs or overnight accommodation. Available 24 hours after opening your Mayfair Current or High Interest Cheque account.

Accident Management – (Underwritten by Automobile Association Underwriting  Services Limited) – Assists in the repair, recovery and claim processing for vehicles following an accident or vandalism where you are claiming through your motor insurance.

2. Are there any significant exclusions or limitations to my AA Breakdown  Cover/Accident Management Cover?
Key restrictions of your cover are noted below (refer to the important information and terms and conditions for full details of these and other restrictions): Where cover is available (see page 12 of Important Information and Terms and Conditions Brochure):
• Service is only available within the UK.

Vehicle specifications (see section entitled: Vehicle Restrictions):
• Service is only available to customers travelling in a car, van, minibus or motorcycle which comply with the stated weight and width restrictions.

General Terms and Conditions (see section entitled: UK Breakdown Assistance Services - General Terms and Conditions):
• Assistance is not available following a breakdown or accident attended by the police or other emergency service, until the vehicle’s removal is authorised. If the police insist on ecovery by a third party, the cost of this must be met by you.
• No recovery (including a tow) is available following an accident. We can arrange, but will not pay for, such a recovery.
• Transport of any animal is discretionary, and horses or livestock will not be recovered.
• Routine maintenance, running repairs, the cost of spare parts, petrol, oil, keys, service requiring specialist lifting equipment, garage or other labour required to repair your ehicle are excluded as is the provision of service on private property without relevant permission.
• Service is discretionary where it is requested to deal with the same or a similar fault or cause of breakdown to that attended in regard to the same vehicle within the preceding 28 days.
• The customer must be with the vehicle at the time of breakdown and assistance.
• A Private Banking debit card and some other form of identification must be produced. Service will be refused if anyone behaves in an abusive or threatening manner, or if he AA is owed money by you.

Replacement vehicle (see section entitled: Replacement Vehicle - What is covered):
• Any car hire that may be arranged for a customer will be subject to the hirer’s terms and conditions.

Service control policy (see section entitled: Service Control Policy - Important: Please read carefully):
• Please note that further premiums may be requested if the maximum number of call-outs is exceeded.

Accident Management:
• The costs of any recovery or associated with the repair of your vehicle or of any courtesy car arranged.

3.What if I want to cancel my AA Breakdown Cover/Accident Management Cover?
You have the right to cancel your AA Breakdown Cover but please note that as this cover has been provided as an integral part of your Mayfair Current or High Interest Cheque account no refund is available. Cancellation/closure of the Mayfair Current or High Interest Cheque ccount will mean that your rights to complementary service from the AA will cease immediately.

4.What if I need to make a call-out?
If you require Breakdown Assistance in the UK, call: 0800 032 0371

For Accident Management, call: 0800 374 347.

You will need to quote your Lloyds TSB Private Banking sort code and account number, as well as your vehicle registration and details of the breakdown. We will respond to you as oon as possible and keep you informed if for any reason the patrol or agent is delayed.

5.What if I need to make a complaint?
If you wish to register a complaint, please contact us:
By phone: 0845 607 6727
In writing: Customer Support (B), AA, Lambert House, Stockport Road, Cheadle, Cheshire SK8 2DY.
By email: CustomerSupport@theAA.com

If you cannot settle your complaint with s you may be entitled to refer it to the Financial Ombudsman Service.

6. Are we covered by the Financial Services Compensation Scheme (FSCS)?
The Breakdown Assistance Services cover provided by The Automobile Association imited (Roadside, Relay and Homestart) does not fall within the FSCS. However the Breakdown Assistance Services cover (Relay Plus) provided by Automobile Association Underwriting Services Limited (“AAUS”), only, is covered by the FSCS. If you have cover underwritten by AAUS, you may be entitled to compensation from the scheme if AAUS cannot meet its obligations, in relation to that cover. This depends on the type of business and the circumstances of the claim. General insurance provided by a regulated insurer such as AAUS is covered 100% for the first £2,000, and 90% of the balance of the claim. Further information about the compensation scheme arrangements is available from the FSCS at www.fscs.org.uk or telephone 020 7892 7300.

 
Mobile Phone Insurance Policy Summary

This document is intended to provide you with basic details of the Mobile Phone Insurance, which is provided as part of the Mayfair Current or High Interest Cheque account. This is not a statement of the full terms and conditions of your policy, which can be found in the Mayfair Banking Service Important Information and Terms and Conditions.

As a benefit of being a Mayfair Current or High Interest Cheque account client, you can choose to register for extensive insurance to cover your mobile phone with Lifestyle Services Group Limited.

Your phone will be covered for:
• Phones up to a maximum original retail cost or value of £600 including VAT. The mobile phone is identified by the IMEI number and mobile phone number

• The cost of replacing the phone as a direct result of loss or theft 
• The cost of repairing the phone (or replacing it if the phone cannot be repaired) as a direct result of accidental damage, water or liquid damage or malicious damage

• The cost of repairing the phone (or replacing it if the phone cannot be repaired) where damage is a result of electrical or mechanical breakdown

• The phone wherever you or your family members are in the world. Repair or replacement will be arranged upon return to the UK

• The cost of unauthorised calls up to £1,500 per claim for a monthly contract phone and £450 per claim for a pay-as-you-go phone. Claims for unauthorised calls on pay-as-you-go phones will apply to top-ups purchased in the 24 hours preceding the incident only

• The replacement of the accessories up to £250 per claim, including replacement of  accessories incompatible with a phone replaced as a result of a valid claim

• One phone per account holder up to a maximum of two phones for a joint account. The phone(s) can belong to a family member

• A maximum of two successful claims per account in any 12-month period.

This Policy does not provide cover for:

• The period of 15 days after you register the details of the phone and/or SIM card, or for the period 15 days after you change the phone and/or SIM card you have already registered

• The policy excess of £30 for each claim during any 12-month period

• Theft of the phone and accessories from an unattended motor vehicle, unless secured in a glovebox or locked boot

• Theft of the phone and accessories from any unattended building or premises, unless evidenced damage was caused in gaining entry to, or exit from, the premises

• Theft or loss of the phone and accessories where they have been left negligently or deliberately in a public place or a place to which others have access

• Where the phone has been passed to someone else other than a family member Price

This policy is provided as a benefit of you being a Mayfair Current or High Interest Cheque account holder. The cost is an inclusive part of your relationship fee.

To register your mobile phone
To take advantage of this mobile phone insurance you must register the phone and/or SIM card details. Please follow the process below. If you do not register the mobile phone you will not be covered. If you wish to change the phone on cover you must telephone us.

• Complete the registration form at the time of taking out your Mayfair Current or High Interest Cheque account

• Log on to the website at any time: www.lifestylegroup.co.uk/lloydstsb

Or

• Phone Membership Services on 0870 160 4185. (Monday to Friday 8:00am to 8:00pm and Weekends 9:00am to 6:00pm).

You will need to provide the following details:

• your name and address

• your Mayfair Current or High Interest Cheque account number

• the make and model of your phone

• your mobile phone number

• your phone’s IMEI number (this can be identified by keying in * # 0 6 # on the keypad of your phone).

Once registered you will be sent a Certificate of Insurance. Your cover will commence 15 days after you register. You will not be able to make a claim for any incident which occurs within the first 15 days after registration.

Cancellation
You have the right to cancel this policy at any time, which will have immediate effect. As the cover is provided as a benefit of being a Mayfair Current or High Interest Cheque account holder, a cooling off period does not apply.

If the connected Mayfair Current or High Interest Cheque account is cancelled this policy ends. Please refer to the Mobile Phone Insurance Terms and Conditions contained within the Mayfair Banking Service Important Information and Terms and Conditions document.

To make a claim
Should you need to register a claim you can either:
1. Visit the website at www.lifestylegroup.co.uk/lloydstsb to register your claim online, or
2. contact Membership Service on 0870 160 4185.

Ensure you register your claim within 48 hours of discovering the incident. If your phone is lost or stolen, please follow these simple steps:
1. Call your airtime provider to bar your SIM card. Doing this will prevent any further  unauthorised calls being made.
2. Inform the Police and ask for an incident reference number.
3. Your airtime provider and the Police must be contacted within 24 hours of you discovering the loss or theft of your mobile phone. Please refer to the Mobile Phone Insurance Terms and Conditions contained within the Mayfair Banking Service Important Information and Terms and Conditions document.

Enquiries and Complaints
Should you have an enquiry or complaint you can contact Lifestyle Services Group Limited by telephoning 0870 160 4185. Any complaints may be raised without prejudice to your right to take legal proceedings. If after making a complaint you are still unhappy and you feel the matter has not been resolved to your satisfaction, you may contact the Financial  Ombudsman Service.

Please refer to the Mobile Phone Insurance Terms and Conditions contained within the Mayfair Banking Service Important Information and Terms and Conditions document.
Under European law, both parties to the contract may choose which law will apply to this contract. English law will apply unless both parties agree otherwise, in writing, prior to the start of the policy. The contract is written in English and all communication by us with you will be in English.

Compensation scheme
The parties to this contract are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if they cannot meet their obligations. Most insurance contracts are covered for 100% of the first £2,000 and 90% of the remainder of the claim, without any upper limit. You can get more information about the compensation scheme arrangements by contacting the FSCS on 0207 892 7300 or by visiting their website at www.fscs.org.uk

Please refer to the Mobile Phone Insurance Terms and Conditions contained within the Mayfair Banking Service Important Information and Terms and Conditions document.

Status disclosure
This cover has been arranged for Lloyds TSB Bank plc by Lifestyle Services Group Limited FRN 315245, with a single provider, London General Insurance Company Limited FRN 202689. All companies are authorised and regulated by the Financial Services Authority (FSA), which can be checked on the FSA website www.fsa.gov.uk/register or by telephoning 0845 606 1234.

If you need to register a complaint, please contact:
Customer Relations Department
Lifestyle Services Group Limited
PO Box 390
CREWE
CW1 6ZP

If Lifestyle Services Group Limited cannot settle your complaint, you may be entitled to refer it to the Financial Ombudsman Service. We are covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the scheme if we cannot meet our obligations.

 
Sentinel® Card Protection Policy Summary

This document is intended to provide you with basic details of Payment Card Protection, which is provided as part of the Mayfair current or High Interest Cheque account. This is not a statement of the terms and conditions, which can be found in the Mayfair Banking Service Important Information and Terms and Conditions. The policy summary only provides details of the parts of Payment Card Protection, which are insured.

Sentinel® Card Protection is underwritten by Allianz Insurance plc.

What is covered by Sentinel® Card Protection?
Sentinel® Card Protection provides:
• cover against unauthorised and fraudulent use of registered cards
• communication costs incurred to notify the administrator of an incident involving the registered cards
• personal money lost or stolen abroad at the same time as the registered cards
• cover against loss or theft of the handbag, wallet, purse or briefcase containing the registered cards lost in an incident.

This insurance only applies to residents of the UK and will be automatically cancelled if you move permanently outside of the UK.

How does Sentinel® Card Protection work?
• Sentinel® Card Protection covers credit, debit and cheque guarantee cards, including Post Office™ card accounts, charge cards, storecards and other similar payment cards, registered with the administrator.
• Your policy of cover will remain active for as long as your Mayfair Current or High Interest Cheque account remains active. Closure of your account will result in immediate cancellation of your policy. To cancel your account, please contact your relationship manager.

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

How do I make a claim under Sentinel® Card Protection?
You can notify a claim by calling 0800 414 717 (lines are open, 24 hours a day, 7 days a week) and providing your name, address or policy number.

Would I receive compensation if Allianz Insurance plc 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?

Sales
If you have a complaint about the way in which your policy was sold, you should write to our Customer Relations Manager at: Sentinel® Card Protection, Sentinel House, Airspeed Road, Portsmouth, Hampshire PO3 5RF, United Kingdom quoting your policy number. Alternatively, please phone 0800 414 717.

Non sales
If you have a complaint about anything other than the sale of the policy please contact our Customer Satisfaction Manager at: Allianz Schemes, Allianz House, 6 Vale Avenue, Tunbridge Wells, Kent, TN1 1EH United Kingdom.

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. Using our complaints procedure or referral to the Financial Ombudsman Service does not affect your legal rights.

Using our complaints procedure or referral to the Financial Ombudsman Service does not affect your legal rights.

Back to top
Lloyds TSB Home Shopping Service

The Lloyds TSB Home Shopping Service for electrical appliances is operated by Quality Electrical Direct Limited on behalf of Lloyds TSB Bank plc. The Lloyds TSB Home Shopping Service can be accessed online at www.lloydstsb.com/homeshoppingpremier or by contacting the Lloyds TSB Home Shopping Service on 0845 301 2345.

Our Price Promise
If you find a product for immediate sale at a lower price elsewhere in the High Street and notify the Lloyds TSB Home Shopping Service prior to purchase, subject to our Price Promise criteria, the price will be matched and then reduced by an additional 10%. We will also match and beat on-line prices of selected High Street retail stores by the lower of £10 or 10% of the price difference.

The High Street stores we promise to beat on price

The Lloyds TSB Home Shopping price promise will accept price challenges against the following specific High Street stores and their same branded online stores: Currys, Comet, Powerhouse, John Lewis and Miller Brothers. Our Price Promise applies to individual items where the price of the product is at least £50 in value. The product must be identical to the product we can offer so that comparisons can be made on a ‘like for like’ basis.

Price Promise criteria
A Price Promise item must be of at least £50 in value and identical so comparisons are made on a ‘like for like’ basis. A Price Match will be refused if the product is not from one of the listed High Street stores or is:
a) a display item;
b) a grey import;
c) not available to the general public;
d) not carrying a manufacturer’s guarantee or one which is not of matching terms and duration;
e) not in stock;
f) a discontinued item;
g) duty-free goods;
h) returned stock;
i) sold as part of a liquidated sale or closing down sale;
j) the lower price includes a discount only available to the member and not to the general public;
k) from an online retailer other than those named High Street online retailers and
l) in any way damaged, incomplete or substandard.

PC products, products manufactured by PC manufacturers, and mobile phones are excluded from the Price Promise. In order for price challenges to be verified, you will be expected to provide Lloyds TSB Home Shopping with information on the location of the retail outlet in which you have seen the discounted item along with other relevant information. We will contact the retailer to verify the claim. All product information and prices are based on latest available information on the product database, which is updated continually with information obtained from manufacturers and suppliers. All product prices include VAT but exclude delivery, installation or assembly. Delivery charges will apply.

You can obtain a full list of the terms and conditions from our website at
www.lloydstsb.com/homeshoppingpremier or by contacting Membership Services.
Back to top

CarSelect

Offer available to Lloyds TSB Group customers aged 18 years and over, based in the UK (excluding Northern Ireland, Channel Islands and Isle of Man).

New car savings are based on CarSelect’s prices when compared with the manufacturer’s recommended ‘on the road’ retail price. Used car savings are based on CarSelect’s prices when compared with prices in Glass’s Consumer Valuation.

Savings vary by vehicle selected. Savings are correct at the time of going to print. Offers are subject to availability and CarSelect reserve the right to withdraw an offer at any time. Written quotations are available on request from Lloyds TSB CarSelect Limited, PO Box 250, Cardiff CF10 5UD.

Authorised and regulated by the Financial Services Authority (and entered in the Financial Services Authority’s register at www.fsa.gov.uk/register) and (other than Lloyds TSB Independent Financial Advisers Limited) signatories to the Banking Codes.

View more information about products and services provided by Private Banking.

View Mayfair Banking Service interest rates.

View Mayfair Banking Service charges (Personal).