Sentinel® Card Protection Policy Summary
This is a policy summary only and does not detail the full terms and conditions of the insurance policy. For full details, please refer to the policy terms and conditions. The policy summary only provides details of the parts of Sentinel® Card Protection, which are insured. Sentinel® Card Protection is underwritten by Allianz Cornhill 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 the 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 registered credit, debit and cheque guarantee cards, including Post Office™ card accounts, charge cards, storecards and other similar payment cards, registered with the administrator.
- Sentinel® Card Protection lasts for one or three years at a time. You may need to review this cover periodically to ensure it remains adequate to your needs.
- You have the right to cancel your policy. You have a statutory period of 14 days within which to cancel but we have extended this to a period of 30 days after buying your policy if you decide it is not suitable for you.
- If you decide not to proceed with the insurance within 30 days of the start date, we will refund monies paid, provided you have not made a claim.
What are the benefits provided by and significant 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 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 Cornhill 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 Cornhill Insurance plc - What is not covered" section a)
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| 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 Cornhill Insurance plc - The Limits" section b)
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| Personal money lost or stolen at the same time as the registered cards |
The most we will pay is £200 per incident
See "The Insurance Cover provided by Allianz Cornhill Insurance plc - The Limits" section c)
Cover is only offered while the cardholder is abroad.
See "The Insurance Cover provided by Allianz Cornhill 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 Cornhill Insurance plc - What is not covered" section c)
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| Costs for replacing the handbag, wallet, purse and/ or briefcase containing the registered cards lost in an incident |
The most we will pay is £100 per policy during any 12 month period.
See "The Insurance Cover provided by Allianz Cornhill Insurance plc - The Limits" section d)
Cover does not apply to:
- Claims which do not include the necessary documentation.
- The 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.
- You will have to pay the first £15 of any claim.
See "The Insurance Cover provided by Allianz Cornhill Insurance plc - What is not covered" section d)
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How do I make a claim under Sentinel® Card Protection?
You can notify a claim by calling 0800 414717 (lines are open 24 hours a day, seven days a week) and providing your name and address or policy number.
Would I receive compensation if Allianz Cornhill 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?
A. Sales
If you have a complaint about the way in which your policy was sold, you should either write to HFC Bank Limited, Customer Complaints Team, PO Box 3607, Birmingham, B3 2QU, UK or call 0870 606 1177. If you are still dissatisfied, you should write to the Managing Director of HFC Bank (for a sales related complaint) at North Street, Winkfield, Windsor, Berkshire, SL4 4TD, UK.
B. Non-sales
If you have a complaint about the policy, its administration or a claim, please contact the Customer Satisfaction Manager at: Allianz Cornhill Schemes, Allianz Cornhill House, 6 Vale Avenue, Tunbridge Wells, Kent, TN1 1EH, United Kingdom. Alternatively, phone: 01892 703416. If we are unable to resolve the problem we will provide you with information about the Financial Ombudsman Service. Using our complaints procedure or referral to the Financial Ombudsman Service does not affect your legal rights.
Full details of our complaints procedure may be found in the insurance policy terms and conditions.
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