This information is correct as at 22 June 2007.
These terms and conditions apply to both the Private Banking Premier current and Private Banking Premier Plus accounts, unless stated otherwise.
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 numbers are: Lloyds TSB Private Banking Ltd 232851, Lloyds TSB Bank plc 4685, Lloyds TSB Scotland plc 198797. 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 Banking Group plc Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no. 2065. Lloyds TSB Scotland plc Registered Office: Henry Duncan House, 120 George Street, Edinburgh, EH2 4LH. Registered in Scotland no. 95237. 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.
About our Private Banking Premier current account
The contract for this product is in English. You agree that we can communicate with you in English once the contract is made.
Your Private Banking Premier current account
The opening of a Private Banking Premier current account is subject to status and you must be 18 or over to apply.
If your assets fall below the minimum entry criteria in place for Private Banking at any time we have the right to convert the account to a ‘standard’ cheque account, providing reasonable notice is given.
We may vary this account’s features or these 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 Banking 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.
Interest
We pay Plus interest only on the first £5,000 in your Private Banking Premier Plus account. We pay our standard rate on anything over £5,000 in your account
- We calculate Plus interest at the end of every day, and we pay interest to your Plus account each month, at the end of the first working day of the next month
- We may change our Plus and standard* interest rates from time to time. When we change our rates we will tell you by putting a notice in newspapers. At the moment we usually use the Daily Mirror, Daily Express, Independent, Telegraph, Daily Mail and Daily Record
- We normally have to deduct income tax from the ‘gross’ amount of interest you have earned and credit your account only with ‘net’ interest. We may choose to pay you net interest even if you do not have to pay income tax, but you may be able to reclaim it from the tax authorities
- You can check our current interest rates on www.lloydstsb.com, by phoning our helpline at 0845 300 0032, or in all our branches. All these will give you our gross and our net rates
In these Conditions:
- for the Plus option a month means the period from the start of the second working day of a calendar month to the end of the first working day of the next calendar month
- a working day means a Monday to Friday on which our branches are open for business
- standard rate* means the rate of interest on accounts which are not Plus accounts – this is lower than our special Plus rate
AER stands for Annual Equivalent Rate and is the notional rate which illustrates the gross rate as if paid and compounded on an annual basis. Gross rate is the contractual rate of interest payable before the deduction of income tax and the rate specified by law. Net rate is the rate of interest which would be payable after allowing for the deduction of income tax at the rate specified by law.
About our Private Banking Premier current account charges
If you are a Private Banking Premier Service client we do not charge you our normal account fee
if you keep a specified balance in your account or if you have a Lloyds TSB Private Banking managed portfolio of at least £175,000. That will not apply, and we will charge you the normal fee, if you choose Private Banking Premier Plus as we pay you interest at the Plus interest rate on the balance instead. You should check that choosing Private Banking Premier Plus will save you money before deciding – please contact The Premier Banking Centre for more information.
When you choose a Private Banking Premier Plus account, the way in which we calculate your charges may change. If your current account charging cycle runs from the 10th of the month to the 9th of the next, or is based on the day of the month you opened your account, we will change it to run from the 2nd of the month to the 1st of the next, as described above.
We can vary our charges or introduce new ones on our standard or our Plus accounts by giving you 30 days notice.
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.
About cancelling your Private Banking Premier current 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 Private Banking 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 close the account and give you all your money back, including any interest it has earned. We’ll also refund the fee if you’ve had to pay it. If you wish, we will convert your account back to a standard cheque account.
About disputes in relation to this contract
English law applies to our discussions about your account and to this contract unless your account is with a branch in Scotland, in which case Scottish law will apply. 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 Private Banking 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.co.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 unless your account is opened with a branch in Scotland, in which case the Scottish courts will have jurisdiction.
About our Private Banking Premier Investment account
The Private Banking Premier Investment Account is a Savings account.
There is no minimum duration for our savings account.
You must be a Private Banking client to be entitled to a Private Banking Premier Investment account. If you leave Private Banking, you will no longer be entitled to a Private Banking Premier Investment account and we will make arrangements with you to close your Private Banking Premier Investment account and to transfer your balance to another account in our savings range.
Before opening a Private Banking Premier Investment account, we may take up references or otherwise satisfy ourselves of your identity and suitability to be a Private Banking Premier Investment account holder. We can refuse to open a Private Banking Premier Investment account or to accept a deposit without giving any reason.
You can apply to open a Private Banking Premier Investment account with £2,500 (Minimum Opening Balance).
No withdrawals by Standing Order or Direct Debits are permitted on the Private Banking Premier Investment account.
We may vary this account’s features or these conditions from time to time, by giving you notice in a newspaper, branch, letter or on-line – whichever is appropriate for the change we are making and the type of account you have. If the change is to your disadvantage, we will tell you personally at least 30 days before the change takes effect. 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 Banking 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.
If you are not happy about your choice of savings account we will help you switch to another of our accounts or we will give you all your money back with any interest it has earned.
At any time we can require you to close the account. We may do this without giving any reason , but we will normally give you at least 30 days notice.
The contract for this product is in English. You agree that we can communicate with you in English once the contract is made.
Interest
If your account has a balance below the minimum opening balance, other than a balance of less than £1, it will earn interest at the fixed rate of 0.10% p.a. AER/Gross, 0.08% p.a. net.
We display current rates of interest paid on the Private Banking Premier Investment account in our UK Branches. We can vary the rates at any time. 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 once a year unless you choose to receive it monthly when you complete the account application. Annual interest is paid on the anniversary of account opening, monthly interest is paid on the same date each month as the date of account opening. If the interest payment date is not a working day, interest will be paid on the next working day.
About the charges for our savings account savings account
We don’t make any charges for our savings account. You can print off details about the current interest rates for our savings account at www.lloydstsb.com.
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.
About cancelling your savings account
You can cancel the contract for our savings account at any time. If you’d like to cancel, please contact your Private Banking Manager.
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 Private Banking 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.
www.financial-ombudsman.co.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.
Financial Services Compensation Scheme
Lloyds TSB Bank plc and Lloyds TSB Scotland plc are members 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.
Loans and Overdrafts
All credit is subject to status. Applicants must be 18 and over. Security may be required. A Private Banking Premier or Private Banking Premier Plus current account is required for a Premier loan, or overdraft. How much we lend you (if any) depends on our assessment of your circumstances. Interest rates may vary. Overdrafts are repayable in full on demand. If the loan is secured on a property, adequate buildings insurance must be in place at all times. The bank may ask for written confirmation of this.
Current and Investment accounts
Joint accounts
If more than one person is named in the title of the account a reference to ‘you’ in this Current and Investment account section will, (apart from this joint accounts sub-section) if appropriate where the reference appears, be taken to be a reference to either or both of you.
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). We will not be obliged to make any enquiries about the purpose of any transactions
- The account cannot later be put into just one of your names, unless you both agree
- 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.
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 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. You must give us reasonable time to implement a change to this agreement.
Aggregation services
There are a number of ‘aggregation’ services currently available for financial information. Under these, the service provider offers to collect your financial information from various financial services providers and display the information together so that you can obtain an overall picture of your financial dealings.
The aggregation service provider requires your passwords and other secret information in order to access the relevant financial information. This is a serious compromise of the security arrangements we put in place for your protection. Use of those passwords and other secret information will also allow instructions to be given to carry out transactions such as transferring funds out of your account.
If you give any of your Private Banking Premier account passwords and/or other secret information to an aggregation service provider, we will be unable to identify that the person is not you and so will not be able to prevent use of that information to carry out transactions that you have not authorised. In those circumstances we will not be responsible or liable for any loss you suffer and we strongly recommend that you do not pass any passwords and/other secret information to any third party, including an aggregation service provider.
My personal data and Lloyds TSB
The Lloyds Banking Group includes all companies with the Lloyds TSB name, Cheltenham & Gloucester plc and Scottish Widows plc, and their associated companies. I agree that you may keep my personal
details, given to you by me or other people during my relationship with you and other companies in your group, in a Lloyds Banking Group database. This includes:
Companies in your group may use and update this centrally held information to:
You may also use my information for research and statistical analysis with the aim of improving your services. If I request it, on payment of a fee, which is currently £10, you will provide me with a copy of the information you hold, in line with the Data Protection Act.
The information you hold about me is confidential. You will only disclose it outside the Lloyds Banking Group* when:
You may administer my 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
I understand that Lloyds TSB Bank plc, Lloyds TSB Scotland plc and the insurers who underwrite Premier Travel Insurance need medical and health information about me, my partner and my dependants to:
This includes information I, my partner or dependants, or a medical specialist give now or later.
I agree my consent has been given for you to hold and use this information for these purposes about me, my dependants and my partner who will be covered by my Premier 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:
You and other organisations may access and use from other countries the information recorded by fraud prevention agencies.
If I ask, you will tell me which credit reference and fraud prevention agencies you have used so l can get a copy of my details from them.
You may monitor or record phone calls with me in case you need to check you have carried out my instructions correctly and to help improve your quality of service.
Contacting you
You may contact me about products and services available from the Lloyds Banking Group, and from selected companies outside your group which you believe may interest me or benefit me financially, unless l have told you that I do not want to receive this information.
Since I am eligible for services from Lloyds TSB Private Banking Limited and the banking relationship will be serviced by a Private Banking Manager, I agree that Lloyds TSB Private Banking Limited may send direct marketing information to me, unless I have told you that I do not want to receive this information.
Other companies, including those in your group, will not make marketing approaches to me without my consent.
Travel Insurance Policy Summary
This policy summary does not contain full details and conditions of your insurance – these are located in your policy wording which can be found in the Private Banking Premier account Important Information and 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 Private Banking Premier current account is in force.
You and your family 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 12-13 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 credit or 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 subject to a maximum of £300 for any one article, pair or set of articles, or up to £200 for hired ski equipment.
• 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 operative 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 Private Banking Premier current 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 sight in a secure baggage area (please refer to ‘Definitions’ in policy wording) 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 sight in a secure baggage area (please refer to ‘Definitions’ in policy wording) 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 Private Banking Premier current account is in force.
Cancellation period
You are free to cancel this policy at anytime by closing your Private Banking Premier current account or changing it to a standard 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.
Premier 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 Premier 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 Premier Travel Service will endeavour to offer the lowest official IATA scheduled airfare available at the time of booking. Lloyds TSB Premier 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 Premier 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 Private Banking Premier current 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 Premier Travel Service.
Lloyds TSB Premier Travel Service is operated by Travelcare who simply acts 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 Premier 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 Premier 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 Premier 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 Premier 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 Premier Travel Service, we will match the price, or refund the difference where you have already made your booking with the Lloyds TSB Premier Travel Service.
Holiday Price Match conditions
The Price Match offer applies to the basic holiday prices excluding insurance. Lloyds TSB Premier 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 Premier Travel Service, the Lloyds TSB Premier 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 Premier 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 Premier 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:
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 Premier 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 Private Banking Premier current 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 Private Banking Premier current 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 Premier Travel Service for the same holiday or flight with the same operator and booking conditions and where the Lloyds TSB Premier 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 Premier 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 Premier 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 Premier Travel Service is able to book, for example it doesn’t apply to low cost providers like easyJet (please see the Lloyds TSB Premier 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 summary gives you basic details of your AA Breakdown Cover and Accident Management Cover, which provides assistance in connection with your Private Banking Premier Current account. The AA Breakdown Cover detailed here is available in the United Kingdom only (excluding the Channel Islands and the Isle of Man) and is provided by the Automobile Association Limited (the “AA”), unless otherwise stated.
This is not a statement of the full terms and conditions of your policy, which can be found in the Private Banking Premier account, Important Information and Terms and Conditions and should be read in conjunction with this summary.
Your complementary cover runs concurrently with, subject always to the terms of, your Private Banking Premier account. If your Private Banking Premier account is terminated, 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.
Accident Management – (Underwritten by Automobile Association Underwriting Services Limited) – Assists in arranging the repair, recovery and claim processing for vehicles following an accident or vandalism where you are claiming under your motor insurance.
2. Are there any significant exclusions or limitations to my AA Breakdown Cover and Accident Management Cover?
Key restrictions of your cover are noted below (refer to the Important Information, Terms & Conditions for full details of these and other restrictions):
Where cover is available (see page 29 of this booklet):
General Terms and Conditions (see pages 32-36)
Replacement vehicle (see page 31):
Service control policy (see page 34)
3. What if I want to cancel my AA Breakdown/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 Private Banking Premier Current account, no refund is available. Cancellation/closure of the Private Banking Premier Current account 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 Private Banking Premier Current account sort code and account number, as well as your vehicle registration and details of the breakdown. If you are hard of hearing you can call our Textphone service on 0800 328 2810 or our SMS service on 07900 444 999.
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 Care, AA, Lambert
House, Stockport Road, Cheadle,
Cheshire SK8 2DY.
By email: customersupport@theAA.com
If you cannot settle your complaint with us you may be entitled to refer it to the Financial Ombudsman Service.
6. Are we covered by the Financial Services Compensation Scheme (FSCS)?
AAUS is covered by the FSCS. You may be entitled to compensation from the scheme if AAUS cannot meet its obligations This depends on the type of business and the circumstances of the claim. Insurance arranging is covered for 100% of the first £2,000, and 90% of the remainder of the claim, without any upper limit. Further information about 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 Private Banking Premier Current accounts.
This is not a statement of the full terms and conditions of your policy, which can be found in the Private Banking Premier accounts Important Information and Terms and Conditions.
As a benefit of being a Lloyds TSB Private Banking Premier 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:
This Policy does not provide cover for:
Price
This policy is provided as a benefit of you being a Private Banking Premier Current account holder. The cost is an inclusive part of your standard monthly fee.
To register your mobile phone
To take advantage of this mobile phone insurance you must register the phone and/or SIMcard 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.
Or
You will need to provide the following details:
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 Private Banking Premier Current account holder, a cooling off period does not apply. If the connected Private Banking Premier Current account is cancelled this policy ends. Please refer to the Mobile Phone Insurance Terms and Conditions contained within the Private Banking Premier accounts 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 the Premier Banking Centre on 0845 300 2750 (Monday to Friday, 8.00am-8.00pm, Saturday and Sunday, 9am-6pm)
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 Private Banking Premier accounts 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 the Premier Banking Centre on 0845 300 2750 (Monday to Friday, 8.00am-
8.00pm, Saturday and Sunday, 9am- 6pm).
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 Private Banking Premier accounts 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 Private Banking Premier accounts 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 Private Banking Premier Current account. This is not a statement of the full terms and conditions, which can be found in the Private Banking Premier accounts 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:
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?
What are the benefits provided by, and exclusions and limitations of Sentinel® Card Protection?
Features and Benefits | Significant Exclusions or Limitations (cross references to the relevant sections of the policy are included) |
|---|---|
Unauthorised and fraudulent use of lost registered cards for which the cardholder is legally responsible | The most we will pay for any one claim is: • £1,500 for losses which occur before the incident is reported to the administrator. • £75,000 for losses which occur after the incident is reported to the administrator. • £1,000,000 per policy for all incidents in any 12 month period. See ‘The Insurance Cover provided by Allianz Insurance plc – The Limits’ section a). Cover does not apply to: • losses incurred if the incident is not reported within 24 hours of discovery. • Use of the registered card in a way not authorised by the card issuer. • More than £75,000 for any one incident. • Loss due to fraudulent use by the cardholder, including keeping the PIN with the card or revealing it to anyone. See ‘The Insurance Cover provided by Allianz Insurance plc – What is not covered’ section a). |
Communication costs when notifying the Administrator of an incident | The most we will pay is up to £100 per incident. See ‘The Insurance Cover provided by Allianz Insurance plc – The Limits’ section b). |
Personal money lost or stolen at the same time as the registered cards | The most we will pay is £200 per incident. You will have to pay the first £15 of any claim. See ‘The Insurance Cover provided by Allianz Insurance plc – The Limits’ section c). Cover is only offered while the cardholder is abroad. See ‘The Insurance Cover provided by Allianz Insurance plc – What is covered’ section c). Cover does not apply to: • Personal Money claims not reported at the same time as reporting the incident. See ‘The Insurance Cover provided by Allianz Insurance plc – What is not covered’ section c). |
Cost for replacing the handbag, wallet, purse and/or Briefcase containing the registered cards lost in an incident. | The most we will pay is up to £100 per policy during any 12-month period. See ‘The Insurance Cover provided by Allianz Insurance plc – The Limits’ section d). Cover does not apply to: • Claims which do not include the necessary documentation. • Loss or theft of the handbag, wallet, purse and/or briefcase which has not been reported to the police at the same time as reporting the incident. See ‘The Insurance Cover provided by Allianz Insurance plc – What is not covered’ section d). |
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.
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.
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Lloyds TSB Premier Home Shopping Service
The Premier Home Shopping Service for electrical appliances is operated by Quality Electrical Direct Limited on behalf of Lloyds TSB Bank plc. The Lloyds TSB Premier Home Shopping Service can be accessed online at
www.lloydstsb.com/homeshoppingpremier or by contacting The Premier Banking Centre.
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 Premier 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 Premier Home Shopping price promise will accept price challenges against the following specific High Street stores and their same branded online stores: Dixons, 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 Premier 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 the Premier Banking Centre.
CarSelect
Offer available to Lloyds Banking 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.
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Authorised and regulated by the Financial Services Authority (and entered in the Financial Services Authority’s register at www.fsa.gov.uk/register) and signatories to the Banking Codes.
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