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Important Information about our insurance products
marbles and marbles card are trading names of HFC Bank Limited. Registered Office: North Street, Winkfield, Windsor, Berkshire SL4 4TD
1. The Financial Services Authority (FSA)
HFC Bank Limited is authorised and regulated by the Financial Services Authority, which is the independent watchdog that regulates financial services. It requires us to give you this information. Use this information to decide if our services are right for you.
Our permitted business is advising on, arranging and administering general insurance products.
Our FSA Register number is 204483. You can check this on the FSA's Register by visiting their website www.fsa.gov.uk/register or by contacting them on 0845 606 1234.
2. Insurance products for marbles cardholders
We offer the following products only from Hamilton Insurance:
Payment Protection Insurance: an optional policy which you may choose to buy.
Internet Delivery Insurance and Travel Accident Cover: both provided to you free of charge as a benefit of card membership.
We also offer card protection from Affinion International Limited, which is underwritten by Allianz Cornhill Insurance.
3. Our services
For telephone sales, we will advise and make a recommendation after we have assessed your needs.
If you buy insurance that we offer on the internet or by mail, you will not receive any advice or recommendation from us.
4. Fees
You will not have to pay us a fee for our services in arranging your insurance cover.
5. Complaints
If you wish to register a complaint, please write to HFC Bank Limited, Customer Complaints Team, PO Box 3607, Birmingham B3 2QU, UK.
Or telephone 0870 606 1177.
If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.
6. Financial Services Compensation Scheme (FSCS)
We are covered by the FSCS. You may be entitled to compensation from the scheme if we or the insurance providers cannot meet our obligations, depending on the type of business and the circumstances of the claim.
Insurance advising and arranging is covered for 100% of the first £2,000 and 90% of the remainder of the claim, without any upper limit. Further information is available from the FSCS.
7. Ownership
HFC Bank Limited is a member of the HSBC Group, the ultimate parent company of which is HSBC Holdings plc. HSBC Holdings plc beneficially holds 100% of both the shares and voting power of HFC Bank Limited. The following insurance companies are also wholly owned members of the HSBC Group: HSBC Insurance (Ireland) Limited, HSBC Insurance (UK) Limited, HSBC Life (UK) Limited, London & Leith Insurance Company Limited, Marks & Spencer Life Assurance Limited.
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Payment Protection Insurance (PPI) Policy Summary
This document summarises the main features, benefits and exclusions of PPI. It does not contain the full terms and conditions, which are set out in the policy document, a copy of which you will receive if you apply for PPI.
what is PPI?
PPI is an optional insurance policy which protects your card repayments if you can't work due to accident or sickness, become unemployed through no fault of your own, suffer a total and permanent disability, or die.
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how much does PPI cost?
The monthly premium for PPI is 79p, including Insurance Premium Tax, for every £100 of your outstanding balance as at the statement date.
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am I eligible?
You can take out PPI as long as you are aged 18 but under 80, and resident in the UK, Isle of Man or the Channel Islands.
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who provides this cover?
PPI is provided by Hamilton Life Assurance Company Limited and Hamilton Insurance Company Limited.
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what am I covered for?
If you are unable to work due to accident, sickness or unemployment, Hamilton Insurance will pay you a monthly benefit of 10% of the outstanding balance as shown on your last statement, from the first day you are unable to work, once you have been unable to do so for 30 consecutive days . Claims will be payable for a maximum of 12 months for any one claim and the maximum payable each month is £1,000. You can only claim if you are actively working (i.e. not off sick) for at least 16 hours a week immediately prior to the event which gives rise to the claim.
If you do not work and you suffer an accident or sickness which requires you to be in hospital for at least 7 days, Hamilton Insurance will pay 1/30th of the monthly benefit for each day that you are confined to hospital, up to a maximum of 12 months.
In the event of your death or total permanent disability Hamilton Insurance will pay the outstanding balance on your card (excluding any arrears) up to a maximum of £15,000. In addition a lump sum of £2,000 will be paid to you if you suffer a total permanent disability.
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when wouldn't I be covered?
The exclusions listed below are also listed in your policy document in the 'circumstances when you can't claim' section.
You can't claim for accident, sickness, total and permanent disability or hospitalisation:
- due to any sickness which you knew about, or which is related to a condition for which you consulted a doctor in the six months before the policy start date, unless you have been free from symptoms of that condition for at least two years;
- due to any chronic sickness that happened before the policy start date;
- due to normal pregnancy or childbirth;
- caused by elective surgery, e.g. cosmetic surgery;
- due to disability caused by intentional injury or alcohol, solvent or drug abuse.
You can't claim for unemployment:
- due to your work being seasonal or your fixed term contract ending, (except in the circumstances referred to in the 'what if I am employed on a fixed-term contract' section);
- due to voluntary redundancy, resignation or dismissal as a result of misconduct, which you knew about, or which occurs within 30 days of the policy start date;
- unless you were working for at least 6 consecutive months prior to becoming unemployed;
- if you refuse any offer of reasonable alternative employment by your employer;
- because of any reasons why you may not make a claim for accident or sickness, total and permanent disability or hospitalisation.
You will not be covered for any event:
- while you are away from the EU for more than 90 days, or if you cease to be resident in the UK, Isle of Man or the Channel Islands. Cover under this policy will continue if your reason for leaving the EU is because you work for the British Armed Forces or work as a Civil Servant in a British Embassy or Consulate;
- due to civil commotion, riot, insurrection or war;
- which results from AIDS or HIV infection.
You won't be entitled to any death benefit if you commit suicide within one year of the policy start date.
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what if I am employed on a fixed-term contract?
If you are employed under a fixed term contract, you will only be able to claim unemployment benefit in the following circumstances:
- If you have been working for the same employer continuously for at least two years or if you have an annual contract which has been renewed at least once, Hamilton Insurance will consider any claim as if you had been in permanent employment, or
- If you have been working for the same employer for at least six months and your contract has been renewed at least once, Hamilton Insurance will consider a claim only if your current contract is terminated prior to its expiry date. Benefit will only be paid until the date the contract would normally have expired.
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what if I am self-employed?
If you are self-employed, or a company director, you can take out the policy, but you will not be covered for unemployment unless you can show you have permanently stopped trading, i.e. the policy will not pay for periods where you are experiencing difficulties finding work, but still continue in business. If you are a company director, you will have to show that your company has been involuntarily wound up by a creditor who was not a director of that company.
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when does the policy end?
Hamilton Insurance may end the policy if you are three months or more behind with your credit card repayments, or at any time by giving you 30 days' notice. You may terminate the policy with immediate effect at any time by writing to Customer Services at the address below. The policy will also come to an end if you die, reach age 80, Hamilton Insurance pay you a total and permanent disability benefit , your card account is terminated for any reason, or you cease to be resident in the United Kingdom, Isle of Man or Channel Islands.
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can I cancel this cover?
You have a statutory right to cancel the policy within 30 days of the policy start date, if you decide it is not suitable for you. If you wish to cancel this cover within 30 days of the policy start date, any premium you have paid will be refunded. If cancellation is made after 30 days, as premiums are paid monthly, there will be no refund of premium due. To cancel the policy write to Customer Services at marbles, PO Box 3615, Birmingham, B3 2RJ or call 0870 606 1177.
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how do I make a claim?
If you can't work due to accident, sickness or unemployment, or you suffer a total and permanent disability, you must let the claims department know immediately. Contact the claims department on 0845 603 5341 or write to: Hamilton Insurance, PO Box 4718, Birmingham, B1 3RF, UK.
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what should I do if I have a complaint?
If you have a complaint about the way in which your policy was sold, you should write to HFC Bank Limited, Customer Complaints Team, PO Box 3607, Birmingham, B1 2XJ, UK or call 0870 606 0077.
If you have a complaint about the policy, its administration or a claim, you should write to Hamilton Insurance at PO Box 4718, Birmingham, B1 3RF, UK or call 0845 603 5341.
If we cannot resolve the matter to your satisfaction, please write to the Chief Executive Officer of HFC Bank, North Street, Winkfield, Windsor, Berkshire, SL4 4TD for a sales related complaint. For a policy, administration or claim complaint in respect of Life please write to Hamilton Life Assurance Company Limited, Customer Relations, PO Box 3182, Norwich, NR1 3XE. For a policy, administration or claim complaint in respect of Accident, Sickness or Unemployment please write to Hamilton Insurance, PO Box 78, Surrey Street, Norwich, NR1 3NU.
Finally, if you remain dissatisfied, you can ask the Financial Ombudsman Service (FOS) to review your case at: South Quay Plaza, 183 Marsh Wall, London, E14 9SR, United Kingdom (Telephone 0845 080 1800, email: complaint.info@financial-ombudsman.org.uk) to review your case.
Should you contact the FOS, this will not prejudice any right of legal action which you may have against Hamilton Insurance.
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what happens if the insurer is unable to meet its liabilities?
If Hamilton Insurance is unable to meet its obligations under this insurance, you may be able to claim compensation under the Financial Services Compensation Scheme (FSCS). The first £2,000 of a claim is protected in full. For amounts above this threshold, 90% of the remainder of the claim will be met. Further details are available from the FSCS, 7th Floor, Lloyds Chambers, Portsoken Street, London, E1 8BN, UK. Telephone 0207 892 7300, email: enquiries@FSCS.org.uk
Hamilton Insurance is a trading name of Hamilton Life Assurance Company Limited (Registered in England No. 1656838), Registered Office: 2 Rougier Street, York, YO90 1UU and Hamilton Insurance Company Limited (Registered in England No. 1655888), Registered Office: 8 Surrey Street, Norwich NR1 3NG.
Both companies are authorised and regulated by the Financial Services Authority.
A member of the Aviva Group.
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