Insurance Product

Information Booklet.
For your Halifax Ultimate Reward
Current Account.
This booklet contains Insurance Product Information Documents for the insurance benefits that come with your
Halifax Ultimate Reward Current Account.
Each of these documents are produced by the relevant insurance provider and you should read these carefully before
proceeding as they provide key information about the cover included. For full information please refer to the relevant policy
documents which are in the Halifax Ultimate Reward Current Account getting started guide.
The insurance benefits are as follows:
Worldwide Family Travel Insurance administered by Allianz Assistance and underwritten by AWP P&C SA
AA Breakdown Family Cover provided by Automobile Association Developments Limited (trading as AA Breakdown Services)
Mobile Phone Insurance provided by Assurant General Insurance Limited
Home Emergency Cover provided by Inter Partner Assistance S.A.
Any references to the payment of a premium relate solely to upgrades to these insurances which, if available, can only be
purchased directly from the relevant insurer. Upgrades are sold, administered and underwritten solely through and by
contacting the insurer direct.
Remember
Whether you'll be able to benefit from and use these insurances depends upon whether you need and are eligible for the
cover. Even though you may be eligible to make a claim there are general exclusions that limit what you can claim for. We will
confirm your eligibility for the cover at the time of applying for the account – this information is contained in our Statement of
Demands and Needs or Interview Summary Document which we will give you before you decide whether to proceed.
Travel Insurance
Insurance Product Information Document
Product: Travel Insurance (Halifax Ultimate Reward Current Account)
Company : AWP P&C SA is authorised and regulated by L’Autorité de Contrôle Prudentiel et de Résolution in France. Authorised
by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the
Prudential Regulation Authority. Details about the extent of our regulation by the Prudential Regulation Authority are available
from us on request.

This document only provides a basic summary of policy cover. The full terms and conditions of the contract are shown on the policy
document, which you should read carefully to ensure you have the cover you need.

What is this type of insurance?

This is travel insurance provided as a benefit to account holders. Optional upgrades can also be purchased directly from the insurer. It covers you while
travelling, for various events such as: medical emergencies; travel disruption; cancelling or cutting short your trip; and delayed, lost or stolen baggage.

What is insured? What is not insured?

Cancellation or curtailment - Up to £5,000 in total for
Claims where you cannot provide sufficient
loss of pre-paid travel and accommodation expenses. supporting evidence.

Emergency medical and associated expenses - Up
Taking part in activities where there is an increased risk
to £10 million for hospital fees, repatriation, medical of injury, unless we have agreed otherwise.
confinement, funeral and dental costs incurred if taken ill
More than the maximum benefit limits (and sub limits
or injured on your trip. when these apply) shown in each section.

Travel disruption - Up to £250 benefit after a major travel
The £75 policy excess that is applicable to each adult,
delay to outbound or return transport at the departure point. for each claim incident, unless we have agreed otherwise.
Alternatively up to £5,000 if you abandon your trip on the
outbound leg only;
Claim circumstances you were aware of before your
policy was issued or journey was booked (whichever
Up to £5,000 for extra transport or accommodation costs is the later) and which could reasonably have been
to continue your trip, if your transport is delayed in arrival; expected to give rise to a claim, unless the insurers
Up to £5,000 for extra transport or accommodation costs agree to it in writing.
to continue your trip, if you miss the departure of your
Any costs incurred as a result of a covered event that
outbound or return transport. are not specifically stated as being covered.

Loss of important documents - Up to £600 for
Claims arising from you being under the influence of
costs to obtain temporary documents on your trip plus alcohol, of solvents or drugs, or doing anything as a result
reimbursement of the remaining value of lost passport. of using these substances.

Baggage/delayed baggage - Up to £2,500 for items lost,
Claims arising from an epidemic or pandemic, except for
stolen or damaged on your trip and up to £250 for costs the cover described under the Cancellation or curtailment,
to replace essential items temporarily lost by the transport Emergency medical and associated expenses, Winter
provider on your outward journey. sports cover and Golf cover sections.

Personal money - Up to £750 for your money, travellers
cheques and travel tickets lost, stolen or damaged on your
trip. Cash limits apply.
Are there any restrictions on cover?

Personal liability - Up to £2 million costs for damage
you cause to a third party or their property (including your Cover is only available to residents of the UK,
trip accommodation if not owned by you, a family member Channel Islands or Isle of Man.
or friend). Claims relating to existing medical conditions may

Personal accident - Compensation if you die (up to be excluded.
£15,000); lose your sight or limb or are unable to ever work Your account must remain open for cover to apply.
again (all up to £30,000) following an accident on your trip.
As the account holder you must be aged 70 years or

Disability benefit in New Zealand - Up to £250 a week under for cover to apply. All cover for all insured persons
compensation if you are temporarily disabled following a will cease when you reach 71 years of age.
road traffic accident on your trip.
Certain levels of cover may be restricted according

Legal advice and expenses - Up to £25,000 legal costs/ to the age of the insured person.
representation, to pursue a compensation claim against
Cover will not extend beyond the 31 day trip limit,
a negligent third party responsible for your death, injury
unless we have agreed otherwise.
or illness.
Trips within your home country in the UK,

Winter sports cover - Up to 31 days cover a year for Channel Islands or Isle of Man must include
winter sports equipment lost, stolen, damaged or delayed 2 nights pre-booked accommodation (for leisure trips) or
on your trip; loss of use of your ski pack; piste closure. 5 nights pre-booked accommodation (for business trips).

Golf cover - Cover for golf equipment lost, stolen, You as the account holder and your eligible partner may
damaged or delayed on your trip; loss of use of green fees. travel independently. Your eligible dependent children

Business cover - Cover for business equipment lost, must travel with or to you, your partner or a nominated
stolen or damaged on your trip; replacement business responsible adult for cover to apply.
colleague. There are General conditions that you have to meet

Wedding/civil partnership cover - Cover for wedding for cover to apply.
rings, gifts and attire lost, stolen or damaged on your trip; General exclusions apply to the whole policy and each
replacing video/photographs. section contains exclusions specific to that section.

Financial failure cover - Up to £5,000 cover if the booked
airline (or end supplier) fails financially.
Where am I covered?
Cover is provided for travel anywhere in the world. All trips must start and end in the UK, Channel Islands or Isle of Man.

You will not be covered if you do not follow any advice or recommendation made by any of the following: the Foreign,
Commonwealth and Development Office (FCDO) or the World Health Organization (WHO) or any government or other
official authority at any destination you are travelling from, through or to. For further details on FCDO travel advice,
visit gov.uk/foreign-travel-advice

What are my obligations?

• Unless we say otherwise, you must disclose any pre-existing medical conditions of anyone to be insured on this policy.
• Answer any pre-sale questions as truthfully and accurately as possible.
• Read your policy documents carefully to ensure you have the cover you need.
• Tell us as soon as possible if there are any changes to your circumstances that may affect your cover, or if it is likely you will
need to make a claim.
• You should take reasonable care to protect yourself and your property against accident, injury, loss and damage and to
minimise any claim.

When and how do I pay?

Halifax collects your premiums on behalf of the insurer as part of the monthly maintaining the account fee for your bank
account (except for upgrades and medical declarations, where the premium is collected by Allianz Assistance on behalf of the
insurer). All premiums include Insurance Premium Tax (IPT) at the current rate.
The only additional fees or charges for this insurance or related services are for optional upgrades you purchase and/or any
additional premiums that may be needed to cover pre-existing medical conditions. These upgrades/additional cover can be
purchased directly from the insurer using the Allianz Assistance Hub, accessed through Online Banking or calling 0345 124 1400.

When does the cover start and end?

Cancellation cover begins on the date you open your Halifax Ultimate Reward Current Account or the date you booked your
trip, whichever is the later and ends at the beginning of your trip. The cover for all other sections starts at the beginning of
your trip and finishes at the end of your trip.
The cover for any upgrade or medical endorsement purchased runs for 12 months from the date of purchase. We will send
you a reminder when the cover is about to come to an end.
All cover ends if the Halifax Ultimate Reward Current Account is closed, the policy is cancelled or if the account holder turns
71 years old, whichever is earlier.

How do I cancel the contract?

Your base policy
You may cancel your base policy at any time by contacting your bank to close or change your bank account.
Your upgrade or medical endorsement
For any upgrade or medical endorsement purchased from Allianz Assistance, you have 14 days from the date of purchase, to
ensure that they meet your requirements.
If you wish to cancel your upgrade or medical endorsement contract during this period, you should contact Allianz Assistance using
the Allianz Assistance Hub, accessed through Online Banking, emailing [email protected] or calling 0345 124 1400.
Your premium will be refunded in full, although if you have travelled, made a claim or intend to make a claim, we will recover the
costs for providing these services.
You may still cancel the contract after this 14 day cancellation period but no refund will be made.
AA Breakdown
Insurance Product Information Document
Company: Automobile Association Product: AA Breakdown Family Cover
Insurance Services Limited
Automobile Association Insurance Services Limited operate as an insurance intermediary, authorised and regulated
by the Financial Conduct Authority. Financial Services Registration Number 310562.

The information provided in this document is a summary of the key features and exclusions of the policy and does not form
part of the contract between us. Complete pre-contract and contractual information about the product is provided in your policy
documents and policy.
What is this type of insurance?
24/7 cover in case a vehicle in which the named bank account holder, any joint account holder or eligible family member is a
driver or passenger breaks down at home or by the roadside.
AA Accident Assist can provide support for account holders when they've been involved in an accident in their vehicle.

What is insured? What is not insured?

Finding/diagnosis of the vehicle fault.
The same or similar cause of breakdown

Attempted repair of the fault.
attended by our mechanic in the last 28 days.
Fitting of new parts to repair the fault, up to the
Faults due to lack of routine maintenance.

value of £5. Recovery of more passengers than the

Our mechanic will try to repair the vehicle at
eligible vehicle is legally able to carry
the roadside or, if this isn't possible, arrange a (up to a maximum of 7).
recovery to a local garage for you or eligible family Transportation of animals.

members, the vehicle and up to 7 passengers. Any excess payable to the vehicle

Unlimited call-outs.
insurance company.
Recovery and replacement vehicle/courtesy car in
The use of Accident Assist for any accident that

the event of an accident, if you decide to use the occurs outside of England, Wales or mainland
AA Accident Assist Service. Scotland.
The use of Accident Assist by anyone who is not

the Account holder who is the insured person on
the Vehicle involved in the Accident. Eligible family
members are not able to use this service.
The use of Accident Assist for any two wheeled

vehicles (i.e. motorbikes, mopeds).

Are there any restrictions on cover?

The account holder, any joint account holder
or eligible family member must be with the
vehicle when it breaks down and when the
mechanic arrives.
The vehicle must be roadworthy, within 3.5 tonnes
and no wider than 2.55m.
Vehicle recovery after an accident or vandalism.
Where am I covered?
Anywhere in the UK, Channel Islands or Isle of Man.

Accident Assist is only available for accidents that occur within England, Wales or mainland Scotland.

What are my obligations?

• To keep a vehicle roadworthy and regularly maintained.
• The vehicle must be taxed, insured and have a valid MOT.
• You or eligible family members must be with the vehicle at the time of the incident and when our mechanic arrives. You as
the account holder will need to show our mechanic your debit card and eligible family members will need to show a form
of identification.
• Make sure that repairs are made on the vehicle following a service warning or after our mechanic has attended
the vehicle.

When and how do I pay?

The cost for this breakdown cover is included in the monthly maintaining the account fee you pay for your Halifax Ultimate
Reward Current Account.

When does the cover start and end?

When the Halifax Ultimate Reward Current Account is opened, until the bank account is closed.

How do I cancel the contract?

You have the right to cancel your insurance at any time by closing or changing your bank account. Please refer to your
banking terms and conditions for details. If you or Halifax close your account, or Halifax terminates the cover provided
through the account, cover will stop immediately.
Mobile Phone Insurance
Insurance Product Information Document
Company: Assurant General Insurance Limited Product: Mobile Phone Insurance
Authorised in the United Kingdom by the Prudential Regulation Authority and regulated by the Financial Conduct
Authority and Prudential Regulation Authority. Register number: 202735. The sale of this insurance is regulated.

This document provides a summary of the key information. Complete pre-contractual and contractual information is provided
in other documents.
What is this type of insurance?
Mobile phone insurance which covers your mobile phone for the incidents detailed below. This policy covers one mobile
phone for a sole account, and up to two mobile phones on a joint account.

What is insured? What is not insured?

Cover for your mobile phone up to a maximum
An excess of £100 for each successful claim.

value of £2,000 Any incident where you have knowingly put your

Loss
mobile phone at risk or not taken care of it. See
Theft
the 'What you are NOT covered for' section of the
Policy Document for examples.
Damage

Breakdown (including faults)

Cover for accessories up to a maximum value
Are there any restrictions on cover?
of £250 per claim (e.g. cases, headphones,
screen protectors). The mobile phone must be owned by the
account holder(s).
Unauthorised network charges (e.g. calls, data)

up to a maximum of £1,500 per claim for contract Accessories are covered only if involved in the same
mobile phones and £500 for Pay As You Go incident as the mobile phone, not on their own.
phones. Unauthorised network charges are covered from
How we settle a claim
the point your mobile phone is lost or stolen, and
for up to 24 hours after discovery of the loss or
We will either repair or replace

theft. A claim for network charges can only be
your damaged mobile phone.
considered after a claim for the mobile phone
Claims for loss and theft will be settled
has been accepted.
with a replacement.
We will attempt to replace phones with one of the
Replacements will come from refurbished
same colour but we can't guarantee to do this.
or remanufactured stock.
Maximum of 2 successful claims per account
holder in any 12 month period.
Where am I covered?
Your mobile phone is covered worldwide.

Replacement handsets will be delivered only to a UK address.

What are my obligations?

• To report stolen mobile phones to the Police and your network as soon as possible.
• Tell us about your claim as soon as possible.
• You may need to send us proof of purchase/ownership of the phone before we will settle your claim.
• You must make a reasonable attempt to report a lost or stolen phone missing.

When and how do I pay?

Payment is included in the monthly maintaining the account fee you pay for your Halifax Ultimate Reward Current Account.

When does the cover start and end?

The insurance cover starts immediately on the date that your Halifax Ultimate Reward Current Account is opened. All
insurance cover will continue for the duration that your account remains open for, subject to your eligibility. Cover will
end immediately on the date that the Halifax Ultimate Reward Current Account is closed or cancelled by you or us.

How do I cancel the contract?

You have the right to cancel your insurance at any time by closing or changing your bank account.
If you or Halifax close your account, or Halifax terminates the cover provided through the account, cover will
stop immediately.
Home Emergency
Insurance Product Information Document
Company: Inter Partner Assistance S.A. Product: Home Emergency Cover
Inter Partner Assistance S.A. is authorised and regulated by the National Bank of Belgium, with a registered head office
at Boulevard du Régent 7, 1000 Brussels, Belgium. Authorised by the Prudential Regulation Authority (firm reference
number 202664). Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential
Regulation Authority. Inter Partner Assistance S.A. UK branch office address is 106-118 Station Road, Redhill, RH1 1PR.
Inter Partner Assistance S.A. is part of the AXA Group.

The information provided in this document is a summary of the key features and exclusions of the policy and does not form part of
the contract between us. Complete pre-contract and contractual information about the product is provided in your policy documents
and policy.
What is this type of Insurance?
Home Emergency is insurance that provides assistance in the event of certain home emergencies, which impact the safety
and security of your home, potentially rendering it uninhabitable or exposing you and/or your family to a health risk.

What is Insured? What is not Insured?

Up to £250 towards the cost of a qualified person
Day-to-day maintenance e.g. dripping taps,

who we choose to deal with the emergency, in replacing light bulbs or descaling
respect of call-out charges, labour and any materials Any emergency in outbuildings, sheds, greenhouses

necessary, to address the following emergencies, or garages which are not attached to your home
which make your home uninhabitable, unsafe or building, or in any land belonging to your home
insecure, expose you and/or your family to a risk to If the home is unoccupied for over 60 days

health, or create a risk of further loss or damage to A fault any member of your family knew or should

your home and/or any of your belongings: have known about when you took out the policy
• Failure of, or damage to, plumbing and Breakdown or loss of, or damage to, domestic

drainage, such as leaking pipes, blocked appliances like freezers or washing machines
drains or leaking radiators Central heating boilers which are LPG fuelled,

• Complete failure of electricity supply within oil fired, warm air or solar heating
the Home Any loss where you did not contact us to arrange

• Broken external locks, external doors or repairs in the first instance
external windows; or lost keys to the main Partial failures e.g. electrical sockets

external door Your, or your contractors', malicious or wilful action,

• Breakdown of Your boiler/hot water system misuse or negligence
that results in no heating and/or hot water
• Removal of Vermin inside the home
Are there any restrictions on cover?
• Internal gas supply pipe leak
his policy is to deal with home emergencies
T
• Roof damage leading to ingress of water
needing immediate attention only
mergency overnight accommodation up to
E If the emergency repair costs more than the policy
£100 if your home remains uninhabitable due limit of £250, you will need to pay the difference
to the emergency
When we make a repair we will not be responsible
You are only covered for emergencies inside for reinstating the home to its original condition
your home and any integral garage attached to Where the account holders' tenancy agreement
the main building has a requirement for the tenant to report
emergencies to the home owner or the managing
agent to instruct the appropriate contractor
You are covered for the home address only as
shown on your Ultimate Reward Current Account
If you suspect you have a gas leak, you must
call the National Gas Emergency Service first on
0800 111 999.
Once we have carried out an emergency repair
this may only provide a temporary solution to the
problem. We would always recommend that you
arrange for a permanent repair to be completed by
a qualified tradesperson as soon as possible.
Where am I covered?
The cover provided is for persons resident in the UK, Channel Islands or Isle of Man at the address shown against

your account.

What are my obligations?

• Your home should be properly maintained.
• Your heating system should be serviced and maintained within manufacturer's guidelines.
• You should call us as soon as you are aware of the emergency.
• You must provide receipts for any reimbursement based claims.
• You should check that you do not have any other insurance policies that may cover the same events and costs as
these benefits.

When and how do I pay?

Your premium is included in the monthly maintaining the account fee you pay for your Halifax Ultimate Reward Current Account.

When does the cover start and end?

Cover starts immediately on the date that the Halifax Ultimate Reward Current Account is opened. The contract is for
the duration of one month and will continue to renew on a monthly basis whilst your Ultimate Reward Current Account
remains open.

How do I cancel the contract?

You can cancel this Policy at any time by closing or cancelling your Halifax Ultimate Reward Current Account. Please
refer to your banking terms and conditions for details of how to close your account. If you or Halifax close your account, or
Halifax terminates the cover provided through the programme as set out in the account terms and conditions, cover will stop
immediately unless you are moving from one qualifying account to another.
Do you need extra help?

If you need this communication in another format, such as large print,

Braille or audio CD, please contact us.
You can call us using Relay UK if you have a hearing or speech impairment. There's more information on the Relay UK help pages
www.relayuk.bt.com
SignVideo services are also available if you're Deaf and use British Sign Language: halifax.co.uk/contactus/sign-video
If you need support due to a disability please get in touch.
Calls and online sessions may be monitored and recorded. Not all Telephone Banking services are available 24 hours a day,
seven days a week.
Eligible deposits with us are protected by the Financial Services Compensation Scheme. We are covered by the Financial
Ombudsman Service.
Halifax is a division of Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ.
Bank of Scotland plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the
Prudential Regulation Authority under registration number 169628.
This information is correct as of February 2025 and is relevant to Halifax products and services only.
It's easy to get in touch.

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halifax.co.uk/ultimatereward

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