Your HSBC

Worldwide Travel
Insurance Policy Wording
HSBC Private Banking Account
HSBC Premier (retained Jade benefits) Account
HSBC Premier Account
Effective from 02 April 2023

Please take time to read this booklet as it contains important information.

In some sections there are differences in policy cover, limits and eligibility.
These are explained where they arise. You should take care to ensure you
understand the information for the policy you hold.
To be covered you and any insured persons need to be:
y a HSBC Private Banking account1 or HSBC Premier (retained Jade benefits)
account holder under 80 or HSBC Premier account holder under 70 when your
trip starts
y a UK2 resident
y registered with a doctor in the UK in order to make any medical claims
y dependent children must be under 23 years of age
y grandchildren are eligible if they are under 23 years of age
To help you understand what you are covered for at a glance, we’ve highlighted
some common questions such as:
y do I need to tell you that I’m travelling?
y do you need to know about any medical conditions?
y what is the maximum trip length?
y are holidays in the UK covered?
y are business trips and winter sports covered?
y can my partner travel independently?
y how do I make a claim?
Further details are on page 4
1 Being an “HSBC Private Banking Account” you hold with HSBC UK Bank plc. Excludes sort codes
40-05-50 or 40-04-42 which do not provide travel insurance.
2 Definition of UK includes Channel Islands and Isle of Man

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Welcome to your HSBC Travel Insurance

Please take time to read this booklet as it contains important
information including a Privacy Notice explaining how your
data will be used. If you have a question and cannot find the
answer either in the FAQs or in the terms and conditions,
please contact Customer Service.

COVID-19: What am I covered for?

Your HSBC Travel Insurance will provide cover for events relating to COVID-19,
such as:
y emergency medical expenses abroad, cancelling or coming home early if you fall
ill with COVID-19
y cancelling or coming home early if you have to self-isolate or quarantine before
you travel or while on your trip due to COVID-19 (please be aware, this doesn’t
include having to self-isolate or quarantine when you return from your trip)
y cancelling or coming home early due to an FCDO advisory notice being in place
advising against all or all but essential travel to your destination or, the FCDO
are advising British citizens to leave the area in which you are staying. Cover for
cancellation is only available if the advice is in place during the 31 days before
your departure date

If you have suffered with COVID-19 and needed medical treatment, then as with
other medical conditions you may need to tell us about this. We will then screen
it and tell you if this affects your cover. Please refer to the Your health section on
page 22.

Your HSBC Travel Insurance will only cover you for unexpected and unforeseen
events – please refer to the Known events section on page 19. We recommend you
read your policy terms and conditions for full details of what is and isn’t covered.

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What costs can I claim back from my travel insurance?

Your travel policy provides cover for unrecoverable costs. If you need to make a
claim for travel, accommodation or related costs which you or any insured person
has paid, we will consider claims for your costs which are unrecoverable from your
travel and/or accommodation provider or agent, your debit/credit card company,
PayPal, ABTA, ATOL or similar organisations. For example, if your trip is cancelled
by your tour operator or booking agent you may have a right to a refund from them
for some or all of the cost of your trip. For further information on what you would
need during a claim, please see the Unrecoverable costs section on page 12.

Do I need to tell you that I am travelling?

No. As long as you have told us about any relevant pre-existing medical conditions
you do not need to register with us or tell us that you are travelling.

Do you need to know about any medical conditions?

Yes. If you, or any insured person, have any medical conditions, you should check
to see if the condition is covered automatically on the Accepted conditions list.
If the condition is not listed and if in the 12 months prior to booking a trip you have
been prescribed medication, have received or are awaiting medical treatment, tests
or investigations, been referred to a specialist or admitted to hospital, you should
call us before making the booking. Undiagnosed symptoms are not covered.
Please see the Your health section on page 22 for full details of when and what
you must declare.

What is the policy excess?

Where a policy excess applies it is £50 per person, per trip.

What is the maximum trip length?

Trips should be no longer than 31 days and must start and end in the UK. However,
when booking your trip you may be able to purchase an upgrade to increase the
trip length to a maximum duration of 120 days.

Can my partner travel independently?

Yes, partners who are not named account holders can travel without the account
holder at any time provided they are eligible and the account holder is aged
under 80 for HSBC Private Banking Travel Insurance or HSBC Premier (retained
Jade benefits), or under 70 for HSBC Premier.

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Are holidays in the UK covered?

Yes. If the trip is solely within the UK, cover will only apply where the insured
person is away from home for at least 2 consecutive nights. They must also have
either pre-booked holiday accommodation in a commercially run premises or
prepaid bookings on public transport including flights and ferries.

Are winter sports holidays covered?

Yes. Winter sports holidays are covered for up to a maximum of 31 days in any
calendar year. Please see the full details of what is covered on page 43.

Are business trips covered?

Yes, you will be covered to travel outside the UK in connection with an insured
person’s job to carry out non-manual work such as administrative tasks, meetings
and conferences. We do not cover any claim in connection with an insured
person’s job where the trip involves manual or physical work of any kind, working
with children, providing healthcare, policing, security or military service or an
insured person’s role as a politician, religious leader, professional entertainer or
sportsperson.

Can I claim for cancellation of my trip if I have a problem with my travel

documents, e.g. my passport is out of date/has not arrived in time or my
visa is invalid?
No. There is no cover under this policy for problems with your travel documents
before you leave. If your passport is lost or stolen or damaged while you are abroad
there is cover. Please see the Emergency travel documents section on page 33.
Before you book a trip, check the entry requirements of the country you intend to
visit with the local government embassy and/or the Foreign, Commonwealth and
Development Office website gov.uk/foreign-travel-advice.

How do I make a claim?

To make a claim please call the relevant number on page 8 and refer to the
information on page 12.

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Introduction and contents

Worldwide Travel Insurance

Terms and Conditions for HSBC Travel Insurance
These are the terms and conditions which apply to your worldwide travel insurance.
Please take time to read this information about the cover that is provided to you and
anyone else covered by this policy.

The provision of insurance is conditional upon all insured persons complying with these
terms and conditions. It is the account holder’s responsibility to ensure that all insured
persons are aware of and comply with the policy conditions, otherwise, we may refuse
your claim or reduce your cover in the event of a claim.

If you have a question and can’t find the answer in the policy wording, please contact
Customer Service.

This insurance is underwritten by Aviva Insurance Limited (‘we’, ‘us’, ‘our’). Registered
in Scotland, no. 2116. Registered office: Pitheavlis, Perth, PH2 0NH. Authorised by the
Prudential Regulation Authority and regulated by the Financial Conduct Authority and
Prudential Regulation Authority. Firm Reference Number 202153.

You may check this information and obtain further information about how the Financial
Conduct Authority protects you by visiting their website fca.org.uk.

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Contents
1. How to get help 8
Travel Assistant helpline
Confirmation of Cover
Copy of document availability

2. Making a claim 12
What you need to do
Limits and excesses
Claims conditions

3. Things you need to know about this travel insurance 16

Who’s covered
Eligibility
Known events
Travel advice of the Foreign, Commonwealth and Development Office (FCDO)
Contract of insurance
Period of insurance
Trip duration upgrade
Information and changes you need to tell us about including Your health

4. Policy Cover 26
Table of Benefits
A. Cancelling or coming home early
B. Emergency medical and associated expenses
C. Unexpected costs
D. Your belongings
E. Accidental death or permanent disability
F. Personal liability
G. Legal expenses
H. Sports activities
I. Winter sports

5. General Exclusions 45

6. General conditions 48

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Key
To help you when you read your policy:

We won’t cover Keep in mind

These boxes highlight what your These boxes highlight other
policy does not cover information we particularly want to
draw your attention to

1. How to get help

Claims HSBC Private HSBC Premier Opening
Banking and HSBC Hours
Premier (retained
Jade benefits)
24-hour Medical 0800 0157 052 0800 051 7458
Emergency Assistance from the UK from the UK
In case of medical
emergency call this number (0044) 1603 605 102 (0044) 1603 605 135
from abroad from abroad
Travel Claims 0800 0512 558 0800 051 7459
Use this number to report from the UK from the UK
any travel claims which are
not as a result of a medical (0044) 1603 605 122 (0044) 1603 604 910
emergency from abroad from abroad
All lines
If you need to return home open:
early you must call us before 24 hours,
making any arrangements 365 days
You can also go online HSBCTravel.myclaimshub.co.uk to report travel a year.
claims which are not as a result of a medical emergency
Complaints about a claim 0800 0512 558 0800 051 7459
Legal Expenses 01603 208 533
Use this number to report from the UK
any legal expenses claim or
if you require advice for any (0044) 1603 208 533
personal legal problem that from abroad
may lead to a claim under
this policy

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Customer Services Opening

Hours
Medical Risk Assessment 0800 404 6776 0800 051 7457 Lines open:
You must tell us about 8am – 9pm
any relevant pre-existing every day
medical conditions. Please except
see the Your health section Christmas
Day, Boxing
Day and New
Year’s Day.
Questions about travel 03457 707 070 All lines
insurance open: 24
Textphone hours, 365
03457 125 563 days a year.
Cover upgrades 0800 0927 568 0800 328 1562 Lines open:
Monday to
Friday (09:00
to 17:00).
Complaints not relating 03457 707 070 Lines open:
to a claim 24 hours,
All documentation is also Textphone 365 days
available in large print, 03457 125 563 a year.
audio and Braille. If you
require any of these formats,
please call this number

Travel Assistant 0800 0512 601 0800 051 7461 Lines open:
This helpline can assist you from the UK from the UK 24 hours,
with a wide range of travel 365 days
advice before you go or while (0044) 1603 605 155 (0044) 1603 605 155 a year.
you are away. Please do not from abroad from abroad
call this number for policy
queries, changes or claims

Calls to 0800 numbers from UK landlines and mobiles are free. The cost of calls to 03
prefixed numbers are charged at national call rates (charges may vary dependent
on your network provider) and are usually included in inclusive minute plans from
landlines and mobiles. For our joint protection telephone calls may be recorded and/or
monitored.

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Travel Assistant helpline

This service can help you sort out all kinds of travel problems before you go and while you
are away, from providing information on the countries you are visiting to sorting out non-
medical emergencies.

Advice before you travel:

• any visa and entry permits you might need
• any necessary vaccination and inoculation requirements, and where you can get them
• what you should take with you regarding first aid and health
• what currencies and travellers’ cheques to take with you, and what the current
exchange rates are
• the languages spoken, time zones, bank holidays and climate of countries you plan
to visit
• import and export allowances for tourists

While travelling:
• how to replace lost or stolen passports, driving licences, air tickets or other travel
documents
• how to trace your baggage with the airline operator if it is delayed or lost
• why, how, where and when you should contact local embassies or consulates
• how to transfer money out to you if you need it
• cancellation of credit cards, if lost or stolen, and helping you to report the loss
to your card provider
• provide information to close relatives, friends or employers if you have to go
into hospital

Other emergency services while travelling:

• a ‘phone home’ translation and interpretation service if you need it in an emergency

Please note: There is no charge for the provision of the advice, guidance or other
emergency service shown in the ‘Travel Assistant helpline’ above. However, if you wish
us to obtain goods or services on your behalf that are not covered by a claim under this
policy, you will need to pay any fees that the provider charges and you will need to adhere
to the provider’s terms and conditions.

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Confirmation of Cover
If you require proof of your travel insurance for any trips you have booked or for a visa
appointment, please visit aviva.co.uk/hsbctravelproof or scan here:

Copy of document availability

If you would like to receive copies of your policy documents on paper, please contact
Customer Service. Copies will be provided free of charge.

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2. Making a claim
What you need to do
Keep in mind
In life threatening situations seek medical attention immediately, don’t delay getting
help but call our 24-hour Medical Emergency Assistance helpline as soon as you can.
Our team will coordinate your treatment which may include moving you to another
hospital or arranging to bring you home early. If necessary, we can arrange for a
telephone consultation with our UK GPs.

In non-life threatening situations please contact our 24-hour Medical Emergency

Assistance number before making any arrangements for:
• admission to hospital
• treatment, tests or investigations as an outpatient
• repeat consultations with a doctor

For a minor illness or injury treated with medication from a pharmacy or one-off
treatment at a clinic, keep any receipts for costs incurred and contact us when you get
home. If you need any assistance contact the 24 hour Medical Emergency Assistance
number at any time.

You can also make a travel claim at HSBCTravel.myclaimshub.co.uk

Unrecoverable costs
Your travel policy provides cover for unrecoverable costs. If you need to make a claim for
travel, accommodation or related costs which you or any other insured person has paid,
we will consider claims for your costs which are unrecoverable from your travel and/or
accommodation provider or agent, your debit/credit card company, PayPal, ABTA, ATOL
or similar organisations.

For example, if your trip is cancelled by your tour operator or booking agent you may have
a right to a refund from them for some or all of the cost of your trip.

If you are not able to recover all of your costs and your circumstances are covered by the
terms of your policy, we will consider costs which you have been unable to recover.

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When you make a claim, we may ask you for:

• proof of booking and any costs paid
• details of any refund you have been able to obtain
• evidence that you are not able to recover your costs elsewhere

Please check these terms and conditions carefully to ensure you:

• understand what is and isn’t covered
• contact the relevant helpline as soon as you can for assistance
• keep any documentation that we require as you’ll need to provide this in order for us
to validate and settle your claim – we may refuse to pay your costs where you cannot
provide this

Type of claim What to do What you’ll need

Cancelling your trip • Check that the reason you • For medical claims, we will
or coming home need to cancel or come send a medical certificate
early home early is covered for completion by the
• Contact the Travel Claims patient’s doctor to confirm
helpline before returning the reason for your claim
home • Evidence of your booking
and the cancellation

Medical emergency • Contact the Medical • All medical reports given to

Emergency Assistance you by the treating facility
helpline before any hospital
admission or as soon as
possible thereafter

Unexpected costs - • Contact your airline/carrier • Written confirmation from

Travel disruption and they will advise if you the airline/carrier of the
should travel to the airport/ actual date and time of your
port to check in at your return to the UK
specified time • Documentary evidence of
costs incurred if you make
your own way home or
continue your trip

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Type of claim What to do What you’ll need

Unexpected costs – • Do all you can to get to your • A repair or assistance report
Missed transport departure point on time if the vehicle you were
• Contact your carrier or travelling in broke down or
their handling agents and was involved in an accident
they will advise if they can
offer suitable alternative
accommodation and/or
travel arrangements
Unexpected costs – • Check that your transport • Written confirmation from
Delayed transport was delayed for more than the airline/carrier of the
12 hours before submitting actual date and time of
a claim departure and the reason
for the delay
Unexpected costs • Report incident details • All receipts for any costs
– Emergency travel to the police as soon as is incurred
documents reasonably possible
Your belongings • Take all reasonable steps • Proof of purchase of the
to recover lost or stolen lost, stolen or damaged
property item
• Report incident details • Proof that you owned the
to the police as soon as is money and its value
reasonably possible • A written report from the
• Report the loss or damage police or any other relevant
to the airline/carrier within authority
the timescales stated in
their terms and conditions
• Do not dispose of damaged
items
Delayed baggage • Report the loss to the • Written confirmation from
airline/carrier within the the airline/carrier of the
timescales stated in their number of hours delay
terms and conditions
Legal expenses • Contact the Legal Expenses • We will tell you when you
number as soon as you are call if we need anything else
aware of the incident to deal with your claim

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Type of claim What to do What you’ll need

Winter Sports • Contact the Travel Claims • Evidence from your
number as soon as you are tour operator or resort
aware of the incident management that all pistes
were closed, and how long
they were closed for

Limits and excesses

All limits in this policy are per person (apart from Personal liability, which is per incident,
per policy).

You’ll need to pay the first £50 of any claim, per insured person, per trip (unless stated
otherwise). This means that if the total value of your claim is less than £50 per person, per
trip, we’ll not make any payment to you.

If any one incident results in you claiming under more than one section of the policy you
will only pay one excess, and where two or more people claim for the same incident, the
most you will pay is twice the excess.

Claims conditions
Your duties
You must:
• contact us as soon as is reasonably possible and provide all the information,
documents, evidence and help we need to settle your claim or pursue a recovery
• tell us if you’re aware of any writ, summons or prosecution
• send us every communication relating to a claim as soon as possible

You or any person acting for you, must not negotiate, admit or reject any claim without
our permission in writing.

Our rights
If we want to, we can take over and conduct in the name of the person claiming under the
policy, the defence or settlement of any claim or issue proceedings for our own benefit to
recover any payment we have made under this policy. We shall have full discretion in the
conduct of any proceedings or the settlement of any claim.

Claims
You or your legal representative must pay for any certificates, information, or other
evidence we may need, for example death or medical certificates, police reports or
purchase receipts. These costs will not be covered by the policy.

We may also ask you for evidence that your main home is in the UK.

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If we make a payment before cover is confirmed and our claim investigation reveals that
no cover exists, you must pay us back any amount we’ve paid that you are not covered for.

If you make a medical claim, you may be asked to provide:

• consent for us to access your medical records in accordance with the Access to Medical
Records Act 1998. We will use this information to deal with your claim, including
assessing whether cover applies and assisting the treating doctor in providing you with
the most appropriate treatment. Without this information, we may not be able to deal
with your claim
• a medical report from the treating doctor

We’ll assess whether any proposed treatment is an emergency or whether it can wait until
you have returned home. If appropriate, we’ll arrange for your return to the UK.

In the event of a claim for injury or illness, we may request and pay for you to be medically
examined on our behalf. We may request and pay for a post-mortem in the event of a
claim for death.

It may affect your claim if you cannot prove the value of, and that you were responsible
for the lost, stolen or damaged items, for example a receipt or credit card/bank statement
showing evidence of their purchase, proof of withdrawal or a currency exchange receipt.
If you are claiming for damage, we may ask you to send us the broken item.

3. Things you need to know about this travel

insurance
Who’s covered
This HSBC travel policy provides cover for the following ‘insured person(s)’:

• ‘You’ – the account holder

• ‘Your partner’ who lives at home with you
• ‘Your children’ – you and/or your partner’s dependent children (including stepchildren
and foster children)
• ‘Your grandchildren’ - you and /or your partner’s grandchildren (Grandchildren are only
covered when they are travelling with you or your partner)

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Age limits
Cover applies to each insured person provided they are below the maximum age limit
when the trip starts.

HSBC Private HSBC Premier HSBC Premier

Banking Travel (retained Jade
Insurance benefits)
You 79 79 69
Your partner 79 79 69
Your children 23 23 23
Your grandchildren 23 23 23

Keep in mind
If you are an HSBC Premier account holder, children are only covered when:
• travelling with you or your partner
• travelling on their own to stay at the home of close relatives who live abroad
• travelling with close relatives who are over 23 years of age
• travelling independently on a school/college trip with teachers/lecturers
If you are an HSBC Private Banking or HSBC Premier (retained Jade benefits) account
holder children are covered when travelling independently.

Meeting your needs

This policy has been designed to meet the needs of people who wish to protect against
costs that could arise in the course of their travels. It covers such things as cancellation,
coming home early, emergency medical treatment, personal liability, legal expenses and
the theft of your money.

Eligibility
To be covered all insured persons must be residents of the UK (have their main home
address in the UK).

Additionally, to be covered for emergency medical claims or claims for cancellation or

coming home early due to medical emergencies, insured persons must be registered with
a doctor in the UK.

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Trip
By ‘trip’ we mean a journey that begins and ends in England, Scotland, Wales, Northern
Ireland, the Channel Islands or Isle of Man (‘UK’), where the journey starts after this policy
was opened and the return journey has been booked before leaving the UK, for the
purposes of any of the following:
• holidays e.g. winter sports holidays and cruises or travel for other personal reasons
unrelated to an insured person’s employment
• voluntary, charity or conservation work or fundraising for a registered charity or
conservation organisation
• travel outside the UK in connection with an insured person’s job to carry out non-
manual work such as administrative tasks, meetings and conferences

Keep in mind
• If a trip or part of a trip is arranged for any reason other than those listed, alternative
travel insurance should be sought as we’ll not pay any claim in these circumstances. If
a trip is in connection with an insured person’s job, they should check if the employer
has travel insurance that would provide cover.
• We’ll provide insured persons with the cover set out in these terms and conditions
for trips up to a maximum of 31 days (unless a cover upgrade has been purchased
for the trip, please refer to Trip duration upgrade on page 21 for full details). Cover
automatically applies for each trip booked, so we do not need to be advised every
time a trip is booked.
• If the trip is solely within the UK, cover will only apply where the insured person
is away from home for at least 2 consecutive nights. They must also have either
pre-booked holiday accommodation in a commercially run premises or prepaid
bookings on public transport including flights and ferries.
We won’t cover
Any trip arranged:
• that started before this policy was opened
• in connection with an insured person’s job where the trip involves manual or
physical work of any kind, working with children, providing healthcare, policing,
security or military service or an insured person’s role as a politician, religious leader,
professional entertainer or sportsperson
• to carry out charity or conservation work where this involves working in a healthcare
environment or working at heights of more than 3 metres
• to seek medical treatment or advice
• to give birth or to collect newly adopted or surrogate children

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Known events
Keep in mind
This policy covers insured persons for unexpected and unforeseen events and
circumstances, for example, if they have an accident while they are on holiday and need
urgent medical treatment.
We won’t cover
There is no cover in relation to any event, incident or circumstances if, at the time you
opened this policy, or a trip was booked (whichever is later), any insured person knew
that, or could reasonably be expected to have known that:
• the event or incident had already occurred or was going to occur; or
• the circumstances existed, or were going to exist

and the event, incident or circumstances could reasonably be expected to affect the
insured person’s travel plans.

For example:
• an insured person would reasonably be expected to know of any event, incident or
circumstances (like an air traffic control strike) that had been widely reported in the
media in the UK at the time you opened this policy or a trip was booked (whichever
is later)
• there is no cover for cancellation of a trip if travel plans are disrupted because
flights are cancelled or any government or authority closes their borders, and these
cancellations or restrictions were in place or had been announced at the time you
opened this policy or a trip was booked (whichever is later)

Please refer to the General exclusions.

Travel advice of the Foreign, Commonwealth and Development Office (FCDO)

Keep in mind
Foreign, Commonwealth and Development Office – travel advice by country:
• before an insured person books a trip and travels, they should check the FCDO
website gov.uk/foreign-travel-advice. It is packed with essential travel advice and
tips, plus up to date information about different countries
• all insured persons should be aware of any travel restrictions, entry
requirements or advisory notices for the country they plan to visit
• this policy provides cover should a trip be booked and then need to be cancelled
or an insured person needs to return home early as a result of the FCDO advising
against all travel or all but essential travel, or where British nationals are advised
to return home

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We won’t cover:
• any claim that happens as a result of an insured person:
— travelling against the advice of the FCDO
— not complying with advice or measures which have been put in place by a
government in the UK or overseas, for example quarantine rules or curfews
— not having the correct travel documents or not meeting the entry requirements
to a country they are travelling to or through
• any claim for cancellation if the restrictions or advice were in place or had been
announced at the time you opened this policy or the trip was booked (whichever
is later)
• any claim for coming home early if the advice or measures had been announced when
the insured person left the UK

Reciprocal healthcare agreements

The UK has reciprocal healthcare agreements with a number of countries and territories
worldwide. If you or any other insured person are UK residents, these agreements mean
that you may be entitled to urgent medical treatment at a reduced cost, or in some cases
for free. We strongly recommend that insured persons check if the country they are
travelling to has a reciprocal healthcare agreement in place and what the requirements
are before they leave the UK. You can find more information online at nhs.uk and search
for healthcare abroad.

Contract of insurance
The contract of insurance consists of the following elements:
• your policy booklets
• changes to your policy in notices we give you

Please read them and keep them safe. It is the account holder’s responsibility to ensure
that all persons insured are aware of the terms of this policy.

In return for you complying with the policy terms and conditions, we will provide
insurance for anything shown in your policy booklet as covered during the period of
insurance.

Period of insurance
Each trip taken whilst the cover is in force will be treated as a separate period of
insurance, individually subject to all policy terms, conditions, limitations and exclusions.
Cover for each separate trip applies as follows:

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• cancellation cover begins from the date you open this policy or the date of booking
each separate trip (whichever is later) and ends when the insured person leaves home
to start the trip
• cover under all other sections begins when the insured person leaves home to start the
trip and ends upon returning home providing that the trip does not exceed the trip limit
of 31 days, unless you’ve purchased the trip duration upgrade (there’s no cover for any
incident which happens after the trip duration limit has been reached)

Extension of cover
If the insured person cannot get back to the UK before the trip limit ends, this insurance
will remain in force:
1. for up to 14 days if any vehicle the insured person is travelling in breaks down or their
pre-booked transport is cancelled or delayed; or

2. for as long as deemed medically necessary by us and in consultation with the insured
person’s treating doctor where the claim is for emergency medical treatment under
this policy

Trip duration upgrade

If anyone insured by this policy is planning Keep in mind
a trip that will last longer than 31 days, this This upgrade covers one single trip, you
upgrade will provide cover for the entire will need to buy one for each trip that
duration of the trip up to a maximum of exceeds 31 days.
120 days.
To ensure you are fully covered, you
A return trip must have been booked should buy an upgrade at the point of
before you can buy this upgrade. booking the trip.

To get a quote, call the Customer Service

Cover upgrades number shown in section
1. How to get help.

If we offer an upgrade, there will be a

premium for you to pay.
We won’t cover
There’s no cover for any incident that happens during a trip if it occurs after 31 days
unless you have purchased an upgrade in which case there is no cover once the selected
upgrade duration expires.

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Information and changes you need to tell us about including Your health
You must take reasonable care to provide complete and accurate answers to questions
you are asked in relation to your policy. For example, before you book a trip or travel, you
may need to tell us if you, or anyone else the trip depends on, has a medical condition or
if there has been a change to a medical condition, not shown on the Accepted conditions
list, which you have not already told us about (please see the Your health section). You can
do this by calling the Medical Risk Assessment helpline.

You also need to let us know if you’re planning a trip that is longer than the trip duration
covered under this policy.

When we are notified of a change, we will let you know if this affects your policy, for
example whether we are able to accept the change and if so, whether the change will
result in revised terms or an additional premium. If the information provided by you is not
complete and accurate, depending upon the information that you have given us, we may:

• amend any underwriting decisions for existing declared medical conditions, which may
result in accepted conditions being excluded and/or
• refuse to pay any claim and/or
• cancel this policy

You need to tell HSBC if you:

• move address – if this means that you are no longer a UK resident or your main address
is no longer in the UK, all the cover under this policy will end
• change your name – this affects our ability to maintain and service your policy

If you are in any doubt, please contact HSBC.

Your health
Existing medical conditions – please read this section carefully.

Each and every time you are about to book a trip and again before you travel, it’s
important that you check this section to make sure you have told us everything
we need to know about the health of each insured person.

If we do not have complete, up to date details we may not provide cover in the
event of a claim.

This travel insurance is not a general health or private medical insurance policy and
will only cover sudden and unexpected illness or accidents.

If you have an existing medical condition, we may be able to provide cover for it.
You should read the ‘Keep in mind’ section to find out what medical conditions you need
to declare and when you need to declare them.

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Keep in mind
Before booking a trip
You need to tell us about any diagnosed illness, injury or disease where in the
12 months before opening this policy or booking a trip (whichever is later) an
insured person has:
• been prescribed medication, including newly prescribed or repeat medication
• received or is awaiting medical treatment, tests or investigations
• been referred to, or is under the care of, a specialist/consultant
• been admitted to hospital or had surgery

You must also tell us if any of these happen regarding conditions you have already
declared, if there are any changes to prescribed medication or if any of the conditions
deteriorate.

There are certain conditions you don’t need to tell us about and you can find them in
the Accepted conditions list.

If an insured person has an undiagnosed symptom it won’t be covered, you’ll have to

wait until they have a diagnosis before we can tell you if cover can be offered.

You don’t need to tell us about contraceptive medication.

After booking a trip but before travelling

If, after a trip has been booked:
• an insured person is referred to a specialist/consultant or admitted to hospital
because of a new condition/symptom, or a previously accepted condition, or
• there has been any deterioration or a change in prescribed medication to accepted
conditions you have already told us about

cover for cancellation of the trip will apply and we will pay for the unrecoverable travel
costs you had paid before this happened.

If the insured person still wishes to travel you must call us and we’ll tell you if we’re able
to cover the condition for this trip. If we’re unable to provide cover, but they still wish to
go on the trip, we will not pay any claim arising directly or indirectly from that condition.

If you booked a trip before opening this policy you should call us as soon as possible to
find out if any medical conditions can be covered for the pre-booked trip.

It’s easy to let us know about any medical conditions you, your partner, your children
or your grandchildren have – please call Medical Risk Assessment. We will need to know
the name of the medical conditions and we will ask you questions to screen them.
We will then let you know if they can be covered.

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Accepted conditions
If the only medical conditions an insured person has are on the list and none of the
restrictions or exclusions in the We won’t cover section apply, the conditions will be
automatically covered by this policy and you don’t need to tell us about them.

However, if an insured person has a medical condition that is not on the list, or the
restrictions/exclusions apply, you must tell us about all the conditions they have,
including those shown on the list.

If you are in any doubt please call Medical Risk Assessment.

• Allergy/Anaphylaxis (no hospital

admissions in the last 2 years) • Hay fever
• Arthritis (no neck or back problems) • Hernia
• Asthma (no nebulisers or oxygen at • High/low blood pressure
home and no hospital admissions • High cholesterol
in the last 12 months)
• Hypothyroidism (underactive thyroid)
• Benign prostatic enlargement
• Impetigo
• Broken bone/fracture (not head or spine)
• Irritable bowel syndrome (IBS)
• Cataracts
• Joint replacement (no dislocation
• Chicken pox of replacement joint)
• Common cold/influenza • Macular degeneration
• Constipation • Migraine (confirmed diagnosis,
• Cystitis no ongoing investigations)
• Diabetes (no complications, for example • Minor infections (treated with no
retinal, kidney or nerve damage) more than one course of antibiotics)
• Diarrhoea and/or vomiting • Osteoporosis (no back or neck fractures)
• Dislocated joint (not following • Peptic ulcer
knee/hip replacement) • Polymyalgia rheumatica
• Eczema/dermatitis • Psoriasis
• Essential tremor • Retinopathy (not linked to diabetes)
• Fungal nail infection • Sinusitis
• Gastric reflux • Soft tissue injury/tendon injury/sprain
• Glaucoma • Tinnitus
• Gout • Tonsilitis
• Haemorrhoids • Vertigo

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We won’t cover
There’s no cover for any claim for any insured person arising directly or indirectly from
the following:
• any declarable existing medical conditions unless the insured person only has
conditions included in the ‘Accepted conditions’ list, or you’ve told us about them
and we’ve agreed to provide cover in writing
• any symptoms where a diagnosis has been sought but not yet received, that you
or the insured person were aware of before opening this policy or booking a trip
(whichever is later)
• prescribed medication not being taken as directed
• travelling against the advice of a doctor or purposely travelling without medical
advice when it was reasonable to have consulted a doctor
• travelling with the intention of seeking medical advice or treatment, undergoing
medical investigations and/or any complications or new conditions found as a result
of that advice, treatment or investigation
• an insured person travelling when they have received a terminal prognosis

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4. Policy Cover
Table of Benefits
The table explains the main benefits, features, exclusions and limitations for each section
of your policy. Please refer to the relevant section for further information.

Section Main benefits and features Per person, per trip Significant or unusual
exclusions and limitations
Limit Excess
Cancelling Unrecoverable unused £10,000 £50 • Existing medical
or coming pre-paid costs associated HSBC Private conditions which have
home early with the trip. Banking and not been accepted by us
HSBC Premier as covered for the trip
Additional travel costs (if (retained • Any event, incident,
the insured person cannot Jade benefits) or circumstance if, at
use their return ticket),
the time you opened
and/or accommodation £7,500
this policy or booked
costs necessary to allow HSBC Premier
a trip (whichever is
the insured person to come
later) you knew or could
home early
reasonably be expected
to have known that it
could impact travel plans
Emergency Emergency medical £10 million £50 • Existing medical
medical and treatment if the insured Lower limits conditions unless these
associated person falls ill or is injured apply for some have been accepted by
expenses on their trip associated us as covered for the trip
expenses
Unexpected Travel disruption £10,000 £50 • Any event, incident, or
costs Unexpected additional HSBC Private circumstance if, at the
travel and accommodation Banking and time you opened this
costs to allow an insured HSBC Premier policy or booked a trip
person to continue the (retained (whichever is later),
trip if their pre-paid travel Jade benefits) you knew or could
plans are disrupted reasonably be expected
£7,500 to have known that
HSBC Premier travel disruption could
Missed transport £1,000 £50 impact travel plans
Cover if an insured person • Any claim where the
misses pre-booked insured person hadn’t
transport because of an allowed enough time,
unexpected transport delay or done everything they
reasonably could, to get
Delayed transport £250 Nil
to their departure point
Cover if pre-booked
for the time shown on
transport is delayed
their itinerary
Emergency travel £750 Nil • Any costs for running out
documents of medication because
Cover to enable the insured the insured person
person to continue the trip or hadn’t taken enough
return home if they can’t use with them to cover their
their return ticket due to loss, time away
theft or accidental damage
to their passport or visa

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Unexpected Emergency medical £10,000 Nil

costs supplies HSBC Private
(continued) Cover for emergency Banking and
medical supplies if an HSBC Premier
insured person has to stay (retained
past their scheduled return Jade benefits)
date
£7,500
HSBC Premier
Personal Cover if an insured person £2 million £50 • Claims arising from an
liability causes an accident on a for incidents insured person’s trade
trip which leads to death or arising from business or profession or
injury to any person, or loss the occupation involvement in manual or
or damage to property of temporary physical work of any kind
holiday • Use/ownership of
accommodation animals, firearms,
watercraft, electrically or
mechanically powered
vehicles, drones, or any
other aircraft
Legal Cover to pursue a civil £50,000 Nil • Any costs incurred
expenses claim if an insured person prior to our written
suffers personal injury or acceptance of your claim
death during a trip
Your Cover if an insured person’s £5,000 total £50 • Belongings, valuables
belongings belongings, valuables or HSBC Private and money deliberately
money are lost, stolen or Banking Travel left somewhere that
accidently damaged during Insurance and is not in the insured
a trip HSBC Premier person’s full view, with
(retained Jade someone they know, or
benefits) their travel provider
• Valuables or money
£2,500 total
which is not kept in the
HSBC Premier
insured person’s hand
Including £650
luggage while they’re
for valuables,
travelling
an individual
item, pair or set • Theft from a vehicle or
and £750 for caravan unless it was
money (£100 broken into and the
for under 16s) valuables or money
were left in an enclosed
Cover if an insured person’s £250 Nil storage compartment
bags are delayed for more
• Hired sports equipment
than 12 hours on the
outward journey
Hire of replacement golf £300 Nil
equipment
Winter Cover for loss, theft or £500 £50 • Equipment deliberately
sports accidental damage to left somewhere that
winter sports equipment is not in an insured
Piste closure £300 Nil person’s full view, with
someone they know, or
Winter sports holiday £200 with their travel provider
disruption • Hired sports equipment
Ski pack £500 • Loss or theft from motor
vehicles

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A. Cancelling or coming home early

What we’ll cover
We’ll pay the costs shown in this section if an insured person unavoidably has to cancel
their trip or come home early because:
1. they, their travelling companion, a person the insured person is going to stay with,
a close relative or a business colleague who must be at work in order for the insured
person to go on their trip becomes ill, is injured, dies or is quarantined. You’ll also be
covered if the insured person’s travelling companion has to cancel the trip or come
home early because of one of these events
2. they or their travelling companion are:
a. called as a witness or for jury service or to attend a tribunal in a court of law
b. formally notified of redundancy
c. needed at home following a burglary or severe damage to their home
d. unable to reach or use their pre-arranged accommodation due to a natural
disaster, severe weather, fire, explosion or an outbreak of food poisoning
e. denied boarding because there are too many passengers and no alternative is
available for more than 12 hours from the scheduled departure time
f. a member of HM Armed Forces, the Emergency Services, a government department
or the NHS and leave is cancelled due to an unexpected posting or an emergency
in the UK
3. the insured person or their travelling companion’s:
a. travel or accommodation provider becomes insolvent
b. pre-booked travel arrangements on their outward journey from the UK are
cancelled or delayed for more than 12 hours or diverted after departure, and the
travel provider is unable to provide suitable alternative arrangements within
24 hours of the original departure
4. in the 31 days before the departure date, or while the insured person is away on
their trip:
a. the insured person or their travelling companion is the victim of a violent crime
that has been dealt with by the police
b. the Foreign, Commonwealth & Development Office issues an advisory notice
advising British nationals against all (or all but essential) travel to the insured
person’s destination, or to leave the area in which they are staying
c. a government closes the border or your destination and this prevents you from
travelling or continuing your trip
d. a terrorist attack or natural disaster happens within a 50-mile radius of the insured
person’s pre-arranged accommodation and they do not wish to travel or they wish
to return home early

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We’ll pay for the following:

• unrecoverable costs that each insured person has paid or legally has to pay for their
own unused personal travel and accommodation, as well as unused pre-paid costs
associated with the trip e.g. pre-paid excursions or kennel or cattery fees
• additional travel and accommodation costs to allow the insured person to return home
early if they cannot use their return ticket

The most we’ll pay for cancelling or coming home early is £10,000 per person for HSBC Private
Banking and HSBC Premier (retained Jade benefits), or £7,500 per person for HSBC Premier.

This includes limits of £750 for excursions and £250 for green fees.

We’ll consider claims for costs which are unrecoverable from the insured person’s travel
and/or accommodation provider or agent, their debit/credit card company, PayPal, ABTA,
ATOL or similar organisations.

We won’t cover:
• anything excluded under the Your health section
• any claim where, at the time of opening this policy or booking a trip (whichever is
later), the insured person knew that the illness, injury or quarantine of a travelling
companion, person the insured was going to stay with, close relative or business
colleague could reasonably be expected to affect the insured person’s travel plans
• voluntary redundancy, resignation or dismissal
• any claim caused by severe/adverse weather where the insured person hasn’t
allowed sufficient time to reach the departure point, taking into account the weather
forecast for the journey
• travel and accommodation costs relating to timeshare or holiday club agreements
e.g. management fees, maintenance costs and exchange fees
• any costs paid for using Air Miles or loyalty, reward or points schemes
• costs for coming home early unless they have been authorised by us before the
insured person arranges them
• any claim for additional travel and accommodation costs if a return ticket hadn’t
been purchased before the claim event occurred
• any claim where the travel and/or accommodation provider has offered suitable
alternative arrangements and the insured person has refused them
• any claim for coming home early after the insured person has chosen to move to
alternative accommodation
• the cost of the original return travel to the UK if we’ve paid for alternative transport
for the insured person to return home

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B. Emergency medical and associated expenses

Keep in mind
In life threatening situations seek medical attention immediately, don’t delay getting
help but call our 24-hour Medical Emergency Assistance helpline as soon as you can.
Our team will coordinate your treatment which may include moving you to another
hospital or arranging to bring you home early. If necessary, we can arrange for a
telephone consultation with our UK GPs.

In non-life threatening situations please contact our 24-hour Medical Emergency

Assistance number before making any arrangements for:
• admission to hospital
• treatment, tests or investigations as an outpatient
• repeat consultations with a doctor

For a minor illness or injury treated with medication from a pharmacy or one-off
treatment at a clinic, keep any receipts for costs incurred and contact us when you get
home. If you need any assistance contact the 24-hour Medical Emergency Assistance
number at any time.

What we’ll cover

We’ll provide the cover shown in this section if an insured person is suddenly and
unexpectedly ill, injured or quarantined or dies during a trip.

Emergency medical
Emergency medical treatment (including rescue services to get to hospital following
injury or illness) and emergency dental treatment required for immediate pain relief only.

Associated expenses:
• the necessary travel and accommodation costs for a person who has to stay with the
insured person or travel to be with the insured person, where we agree this is necessary
• half board accommodation costs (of similar standard to the accommodation you had
booked for your trip) if the insured person needs to stay beyond their planned return
date because they’re medically unfit to travel home and additional travel costs if they
can’t use their return ticket
• bringing the insured person home if it is medically necessary, when it will be arranged
by us
• costs of returning the insured person’s body home or burial or cremation outside
of the UK

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• non-recoverable unused personal travel and accommodation costs (including pre-paid

excursions and green fees) if you are claiming for emergency medical expenses and the
insured person is receiving treatment as an in-patient for more than 24 hours
• where you have a valid claim for Emergency medical, we’ll pay a benefit for each full
24 hours the insured person is treated in hospital or confined to their accommodation
on medical advice

The most we’ll pay for:

• emergency medical and associated expenses outside of the UK is £10 million per person
• associated expenses within the UK is £10,000 per person
• emergency dental treatment is £350 per person
• personal travel and accommodation costs £10,000 per person for HSBC Private Banking
and HSBC Premier (retained Jade benefits), or £7,500 for HSBC Premier (which includes
£750 for excursions and £250 for green fees)
• hospital or accommodation confinement benefit is £1,000 per person (we’ll pay £50
for every 24 hours they’re confined)

We won’t cover:
• anything excluded under the Your health section
• any form of treatment that our Medical Emergency Assistance provider thinks can
reasonably wait until you return home
• extra costs following the insured person’s decision not to move hospital or return
home after the date it was deemed safe for them to travel by us and in consultation
with their treating doctor
• alternative medicine or medical treatment that is not mainstream or the usual
method of treatment of the illness or injury in the UK
• extra costs because the insured person has requested a single or private room
• any quarantine costs after the insured person has returned to the UK
• costs relating to any medical treatment received in the UK unless:
— onboard a cruise in UK waters; or
— this is during travel to or from the Channel Islands or Isle of Man and these costs
are not covered by a reciprocal health care agreement
• medication which, at the time the trip started, the insured person knew they would
need while they were away
• costs for treatment or services provided by a health spa, convalescent or nursing
home or any rehabilitation centre

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C. Unexpected costs
What we’ll cover

Travel disruption
We’ll cover unexpected additional travel and accommodation costs to allow the insured
person to continue their trip or to get home at the end of their trip, if their pre-paid travel
plans are disrupted for the following reasons:
1. the insured person is unable to reach their departure point or their pre-arranged
accommodation due to a natural disaster, severe weather, fire, or explosion
2. a natural disaster, severe weather, fire, explosion or an outbreak of food poisoning
means the insured person is unable to use their pre-booked accommodation
3. the insured person’s travel or accommodation provider becomes insolvent
4. the insured person’s pre-booked travel arrangements are cancelled or delayed for
more than 12 hours from the time shown on their ticket or diverted after departure
5. the insured person is denied boarding because there are too many passengers and no
alternative is available for more than 12 hours

We’ll also pay a proportionate refund for any non-recoverable costs for unused pre-paid
event tickets, green fees and excursions if:
1. the insured person arrives at their destination later than scheduled due to their
travel plans being disrupted for one of the reasons listed in the ‘Travel disruption’
section above
2. the cruise ship the insured person is travelling on is unable to dock at the scheduled
destination
3. the insured person is confined to their cabin for medical reasons during their trip

Missed transport
We’ll pay for alternative travel and accommodation costs to enable the insured person to
reach their destination if their pre-booked transport is missed because of an unexpected
transport delay, such as the vehicle they’re travelling in breaking down, or public
transport being delayed or cancelled.

Delayed transport
We’ll pay £50 for each full 12-hour period an insured person’s pre-booked transport is
delayed if they decide to continue the trip.

We’ll work out the length of the delay from the date and time of the scheduled departure.

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Emergency travel documents

If an insured person’s passport or visa is lost, stolen or accidentally damaged while they’re
outside the UK, we’ll pay for an emergency travel document and additional travel and
accommodation costs to enable them to continue their trip or return home if they can’t
use their return ticket.

Emergency medical supplies

If an insured person is unable to return home on their pre-booked transport and their
prescribed medication has run out as a result of having to make alternative travel
arrangements, we’ll pay for emergency medical supplies.

The most we’ll pay for:

• travel disruption is £10,000 per person for HSBC Private Banking and HSBC Premier
(retained Jade benefits), or £7,500 per person for HSBC Premier
• missed transport is £1,000 per person
• delayed transport is £250 per person
• emergency travel documents is £750 per person
• emergency medical supplies is £10,000 per person for HSBC Private Banking and HSBC
Premier (retained Jade benefits), or £7,500 per person for HSBC Premier

All costs for alternative transport or accommodation must be of a similar standard to that
which was originally booked.

The Excess applies to claims for Travel disruption and Missed transport only.

We won’t cover:
• any costs where the travel and/or accommodation provider has offered alternative
suitable arrangements and the insured person has refused them
• any costs under Travel disruption or Missed transport where we’ve paid a claim for
cancelling or coming home early due to the same event
• any costs for running out of medication because the insured person hasn’t taken
enough with them to cover the time away
• any claim under emergency travel documents, for travel and accommodation
expenses of any person who could travel without the insured person making the
claim but decides to stay with them
• the costs of purchasing a replacement passport or visa

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D. Your belongings
Please read this section carefully to ensure the cover and the limits provided meet your
needs. If the cover or limits don’t provide you with enough cover for your belongings then
you may need to seek insurance for them elsewhere, for example through your home
contents insurance.

Belongings – means the insured person’s luggage and its contents, anything worn or
carried whilst travelling, and golf equipment (but excluding money and valuables).

Valuables – means jewellery, watches, items made of or containing precious metals

or stones, binoculars, handheld games consoles and equipment, mobile phones,
mp3 players, photographic or video equipment, e-readers, laptops, tablets and any
accessories designed to be used with any of these including headphones.

Money – means personal cash, postal or money orders, pre-paid coupons or vouchers,
pre-loaded phone cards, non-refundable pre-paid event and entertainment tickets,
passports, visas, driving licences and travel tickets that are owned by the insured person.

What we’ll cover

We’ll cover you if any insured person’s belongings, valuables or money are lost, stolen or
accidently damaged during the trip. We’ll also pay for:
1. the replacement of essential items that the insured person needs on the trip if their
bags are temporarily lost by their transport provider on the outward journey and the
transport provider can confirm the insured person was without them for more than
12 hours
2. hire of replacement equipment if an insured person’s golf equipment is lost, stolen,
accidentally damaged or delayed by their transport provider on the outward journey
and the transport provider can confirm the insured person was without it for more
than 12 hours

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We’ll choose to settle any claim by payment or replacement and all claims will be settled
based on their value at the time of loss. We won’t pay the cost of replacing with new
items and we also won’t pay more than the original cost that the insured person paid
for the items.

For golf equipment, we’ll calculate the value of any item at the time of loss less a
deduction for wear and tear and depreciation.

Age of golf equipment What we'll pay

Less than 1 year old 90% of value
Less than 2 years old 70% of value
Less than 3 years old 50% of value
Less than 4 years old 30% of value
Over 4 years old 10% of value

The most we’ll pay for:

Your belongings is £5,000 per person for HSBC Private Banking and HSBC Premier
(retained Jade benefits), or £2,500 per person for HSBC Premier.

This includes limits of:

• £750 for money (£100 if under 16 years old)
• £650 for any valuables, individual items, pairs or sets
• £300 for the hire of replacement golf equipment
• £250 for the temporary loss of bags

The excess doesn’t apply to claims for temporary loss of bags or hire of replacement
golf equipment.

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We won’t cover:
• belongings, valuables and money that have been deliberately left somewhere that
are not in the insured person’s full view, with someone they know, or with their travel
provider
• valuables or money which are not kept in the insured person’s hand luggage while
they’re travelling
• theft of valuables or money from a vehicle or caravan unless it was broken into and
the valuables or money were in an enclosed storage compartment
• theft from a hotel room/apartment unless there is evidence of a break in and any
valuables or money had been left in a locked safe
• damage to glass (except lenses in cameras, binoculars, telescopes or spectacles),
china or similar fragile items
• belongings confiscated or detained by customs or other officials
• items used in connection with an insured person’s job unless they belong to the
insured person personally
• pedal cycles, fishing or scuba equipment, or drones
• winter sports equipment e.g. skis, snowboards, boots, helmets, bindings or poles.
See I. Winter sports
• parts and accessories of any motor vehicles, caravans, trailers, aircraft, or boats,
boards or craft designed to be used on or in water
• contact lenses, hearing aids, or medical or dental fittings
• bonds, securities or documents of any kind (other than those defined as money)
• shortages due to a mistake or change in exchange rates
• wear and tear or loss of value
• hired sports equipment
• claims for delayed baggage on the return trip home

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E. Accidental death or permanent disability

What we’ll cover
We’ll pay a benefit if an insured person suffers an accidental bodily injury during their
trip that requires urgent and immediate medical attention, and within 24 months of the
accident the injury leads solely, directly and independently to one of the following:
1. death (the benefit will be paid into the insured person’s estate); or
2. total and permanent loss of use of an entire arm, leg, hand or foot; or
3. permanent loss of sight to the extent that the insured person is eligible to be registered
as severely sight impaired; or
4. permanent disablement which entirely prevents the insured person following any
occupation suited to their education, experience and capability

We’ll pay £50,000 per person for accidental death or permanent disability (other than
death benefit if under 16 years old, where we’ll pay £1,000).

Only one benefit will be paid under this section, regardless of the number of injuries
sustained.

We won’t cover:
• accidental death or permanent disability claims as a result of the insured person
taking part in any aerial activity
• any claim for accidental death or permanent disability caused by sickness, disease,
nervous shock, or naturally occurring condition or degenerative process

F. Personal liability
What we’ll cover
We’ll cover compensation an insured person legally has to pay if they cause an accident
during a trip that leads to:
1. death or physical injury to any person
2. loss or damage to property or belongings, including temporary holiday
accommodation not owned by any insured person or member of their family

We’ll also pay any legal costs or expenses incurred by the insured person in relation to the
incident. Our consent must be obtained in writing before the insured person incurs any
expenses.
• The most we’ll pay for personal liability is £2 million per incident, per policy.
• You can only claim for one benefit per incident under this section.

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The £50 excess is only applicable for claims relating to temporary holiday
accommodation.

We won’t cover:
• fines or damages to be paid as punishment rather than compensation
• loss of or damage to property which belongs to, or is under the control of any insured
person, a member of their household or employee, other than temporary holiday
accommodation
• death or bodily injury of an insured person, member of their household, or anyone
employed by them
• liability arising from:
— anything in connection with an insured person’s trade business or profession,
voluntary, charity or conservation work, casual paid or unpaid work
— involvement in manual or physical work of any kind
— owning or using:
– any land or building, other than temporary holiday accommodation which is
not owned by an insured person or a member of their family
– animals
– firearms, other than sporting guns used for clay-pigeon or small-bore shooting
– watercraft (other than surfboards or craft propelled by oars or paddles)
– electrically or mechanically powered vehicles, other than golf buggies or
vehicles designed to assist disabled persons (as long as not registered for
road use)
– drones or aircraft of any description

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G. Legal expenses
Legal expenses cover is underwritten by Aviva Insurance Limited. Claims handling is
undertaken by Arc Legal Assistance Limited or such other company as we notify you of
from time to time.

What we’ll cover

If an incident causes the death of or injury to an insured person during the trip, which
wasn’t their fault, we’ll provide a lawyer and legal costs to pursue a claim.
• The most we’ll pay for legal expenses is £50,000 per person.
• No excess applies to this section.

Personal legal advice

We will give you confidential advice over the phone on any personal legal problem that
may lead to a claim under this section.

We will tell you what your legal rights are, what course of action is available to you and
whether these can be best implemented by you or whether you need to consult with
a lawyer.

We won’t cover:
• claims that don’t result from a specific incident that happened during the trip
• costs incurred prior to our written acceptance of your claim
• an application for judicial review
• claims made by anyone other than you or your family enforcing their rights under this
cover
• claims which, in the lawyer’s opinion, are more likely to fail than succeed
• claims where the costs of the claim are more than the potential compensation
• costs relating to a contingency fee arrangement. In some countries a lawyer will only
work for you if they receive a percentage of the compensation that you are rewarded.
You cannot recover that percentage from this insurance

Choice of lawyer:
• if court proceedings are issued within the UK or there is a conflict of interest, you can
choose your own lawyer
• for proceedings outside the UK, we’ll choose the lawyer
• we’ll appoint the lawyer subject to acceptance of our standard terms of appointment
which are available on request

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Our rights and your obligations:

• on request, your lawyer must provide us with the information or opinion about your
claim
• you must fully co-operate with us and the lawyer
• you must notify us immediately if anyone offers to settle a claim. If you don’t accept an
offer which the lawyer advises is reasonable, we may refuse to pay further costs
• if your claim is successful, you must instruct your lawyer to attempt to recover all costs
relating to your case
• this cover will end if you:
— settle or withdraw a claim without our agreement
— do not co-operate with us or the lawyer
— dismiss a lawyer without our consent

We’ll not withhold consent without good reason.

If we incur costs that wouldn’t otherwise be incurred, we reserve the right to recover these
from you.

H. Sports activities
What we’ll cover
We’ll cover injury, illness or death that occurs whilst taking part in most sports activities.
The activities that are not covered are in the Excluded activities list.

You and all other insured persons must take all reasonable precautions to protect
yourselves against illness and injury, including making use of any appropriate safety
equipment, including helmets, following any instructions provided (if taking part in an
organised activity) and only taking part if medically fit to do so.

Some activities are excluded under F. Personal liability, particularly those involving
the use of aircraft, watercraft and mechanical or electrical vehicles. Please refer to the
Personal liability section for further information.

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We won’t cover
Any claim as a result of any insured person:
• training for, or taking part in any race or time trial, organised sports event or
competition, or any display, performance or tournament
• participating in an activity as a professional or where being paid or receiving benefits
of any kind, such as travel and/or accommodation expenses
Excluded activities
There’s no cover for any claim as a result of any insured person participating in the
activities listed or any financial loss as a result of an insured person being unable to
participate in these activities.

Land
• Adventure racing, endurance events, marathon, ultramarathon, multi-discipline
events
• Big game hunting, hunting
• Boxing, martial arts
• Caving, potholing
• Charity or conservation work that is not organised through a registered organisation,
is not voluntary or involves work at heights over 3 metres or work in a healthcare
facility
• Cycle racing
• Expeditions
• Free running, Parkour
• Horse riding involving jumping or hunting
• Mountain biking – other than trails graded as easy or moderate
• Mountaineering, rock climbing, bouldering (outdoors), or via ferrata
• Track events involving the use of motor vehicles
• Trekking that involves an ascent to more than 5,000 metres altitude

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Water
• Canyoning or coasteering
• Cliff diving or jumping
• Free diving
• High diving
• Ice diving
• Kite surfing
• River sports involving rivers over grade 3
• Sailing or yachting more than 12 miles from shore or where not following the sailing
regulations and competency requirements for the destination
• Scuba diving
— where this is the main reason the trip was booked
— where not accompanied by a qualified instructor or dive master
— beyond the depth to which the insured person is qualified to a maximum of 40m
— that is professional, commercial or technical diving in nature, including but not
limited to enriched air, tutor, solo, wreck, cave or cavern diving
• Water ski jumping
Aerial
• Base jumping
• Gliding
• Hang gliding
• Parachuting
• Paragliding
• Sky diving or parachuting (other than tandem skydiving through a licensed operator)
Winter sports activities
• Bobsleigh, cresta, luge, skeleton
• Freestyle skiing or snowboarding
• Off-piste skiing (unless accompanied by a qualified guide at all times in areas the
resort management consider to be safe)
• Heli-skiing
• Glacier skiing
• Ski flying, jumping, stunting, or surfing
• Ski mountaineering

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I. Winter sports
What we’ll cover
Winter sports are covered up to 31 days per calendar year.

Winter sports equipment

We’ll cover the insured person’s skis, snowboards, boots, helmets, bindings and poles if
lost, stolen or accidentally damaged, we’ll also cover their lift pass if it is lost or stolen.

We’ll pay for the hire of replacement equipment if the insured person’s own winter sports
equipment is lost, stolen, accidentally damaged or lost in transit for more than 24 hours.

Piste closure
This section does not apply to cross-country skiing.

We’ll pay a benefit for each day if all pistes at the resort the insured person has booked are
closed because of lack of snow, excessive snow or high winds.

Winter sports holiday disruption

We’ll pay a benefit for each day that an insured person is medically certified as being
unable to ski or board, as well as a proportionate refund of their non-refundable ski pack
(lessons from a ski school, ski hire and lift pass).

We’ll pay a benefit for additional travel and accommodation expenses if an insured person
is delayed for more than 5 hours by avalanche or landslide and this means they cannot
reach their resort or delays their departure from the resort on their return home.

The most we’ll pay for:

Winter sports equipment is £500 per person. We’ll calculate the value of any item at the
time of loss less a deduction for wear and tear and depreciation.

Age of Winter sports equipment What we'll pay

Less than 1 year old 90% of value

Less than 2 years old 70% of value

Less than 3 years old 50% of value

Less than 4 years old 30% of value

Over 4 years old 10% of value

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• piste closure is £300 per person, (£30 per day)

• loss or theft of lift pass is £250 per person
• winter sports holiday disruption is £200 per person (£50 per day), other than for a ski
pack where we’ll pay up to £500
• hire of replacement equipment is £250 per person

The £50 excess applies to claims for Winter sports equipment only.

We won’t cover:
• winter sports equipment which has been deliberately left somewhere that is not in
the insured person’s full view, with someone they know, or with their travel provider
• wear and tear, loss of value, or any damage caused by cleaning, repairing or restoring
• hired winter sports equipment
• loss or theft from motor vehicles
• any claim:
— if the insured person has travelled against the advice of a doctor, or purposely
travels without medical advice when it was reasonable to have consulted a doctor
— caused by a medical condition or undiagnosed symptom which has not been
disclosed to and accepted by us. Please refer to the ‘Your health’ section for
details of when you need to tell us about medical conditions

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5. General Exclusions
These exclusions apply to all sections of this worldwide travel insurance.
• Any consequence whatsoever which is the direct or indirect result of any of
the following, or anything connected with any of the following, whether or not
contributed to by any other cause or event:
— war, invasion, act of a foreign enemy, hostilities or warlike operation or
operations (whether war has been declared or not), civil war, revolution, rebellion
or insurrection, civil commotion which is of such severity or magnitude that
it can amount to or be likened to an uprising, military power (even if properly
authorised by the duly elected government), usurped power; or
— any action taken to prevent, control or suppress, or which in any way relates to
the first exclusion
• Claims directly or indirectly caused by:
— ionising radiation or contamination by radioactivity from any nuclear fuel or from
any nuclear waste from burning nuclear fuel; or
— the radioactive, toxic, explosive or other hazardous properties of any explosive
nuclear assembly or nuclear part of an assembly; or
— pressure waves caused by an aircraft and other aerial devices travelling at sonic
or supersonic speeds
• Any claim for death, injury or illness resulting from the insured person’s:
— suicide or deliberate self-inflicted injury
— misuse of alcohol or drugs or consumption of alcohol or drugs (other than drugs
taken under medical supervision and not for treating alcohol addiction) to an
extent which causes immediate or long term physical or mental impairment,
including impairment to the insured person’s judgement causing them to take
action they would not normally have taken
— misuse of alcohol or drugs causing an exacerbation of an accepted medical
condition
• Any claim that results from any insured person:
— deliberately putting themselves at risk of death, injury or illness (unless their life
was in danger, or they were trying to save human life)
— standing or climbing on any balcony railing or jumping from or between balconies
— flying (other than as a fare paying passenger in a fully licensed passenger carrying
aircraft)

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— being in control of a motor vehicle, unless fully licensed for such a vehicle in the
UK (where applicable) and complying with all local laws applying to the use of the
vehicle, for example, wearing a seatbelt where this is required by law (including as
a passenger)
— using a motorcycle, scooter, moped, or quad bike without wearing a crash helmet
— being in control of an electric or motor vehicle and
– acting in a dangerous or careless manner; and/or
– exceeding the legal speed limit; and/or
– drink or drug driving
• Any claim because an insured person doesn’t feel like travelling or doesn’t enjoy
the trip
• Any claim if you travel against the advice of the FCDO
• Any claim where you do not comply with advice or measures which have been put in
place by a government in the UK or overseas, for example quarantine rules or curfews
• Any claim where you do not have the correct travel documents or do not meet the
entry requirements to a country you are travelling to or through
• Any claim as a result of an insured person having to quarantine on return to the UK
• Any claim for costs which are recoverable from your travel and/or accommodation
provider or agent, their debit/credit card company, PayPal, ABTA, ATOL or similar
organisations
• Any claim in relation to any event, incident or circumstances if, at the time you
opened this policy or the trip was booked (whichever is later), the insured person
knew that, or could reasonably be expected to have known that:
— the event or incident had already occurred or was going to occur; or
— the circumstances existed, or were going to exist
and that the event, incident or circumstances could reasonably be expected to affect
the insured person’s travel plans
• Any claim for loss or theft not reported to the police and a written report obtained
(where it is not possible to obtain a police report we’ll need other independent proof
of loss such as a letter from the transport company, accommodation provider or
vehicle hire company)
• Any claim where the insured person hasn’t allowed enough time, or done everything
they reasonably can, to get to their departure point for the time shown on their
itinerary
• Any loss that is not specifically described in this policy

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• Any costs you or another insured person have paid on behalf of persons not insured
under this policy
• Any claim for course or tuition fees, project costs, sponsorship fees or similar
• Any claim for any incident that happens during a trip if it occurs after 31 days, unless
you have purchased a trip duration upgrade
• Any claim resulting from a tropical disease where the insured person hasn’t had the
recommended inoculations and taken any recommended medication
• The cost of Air Passenger Duty (APD)
• Any claim where the trip reason is listed under ‘We won’t cover’ within the trip section
• Travelling against the advice of a doctor or purposely travelling without medical
advice when it was reasonable to have consulted a doctor
• Travelling with the intention of seeking medical advice or treatment, undergoing
medical investigations and/or any complications or new conditions found as a result
of that advice, treatment or investigation
• Travelling when an insured person has received a terminal prognosis

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6. General conditions
Your cancellation rights
You have a statutory 14-day period in which to cancel this policy. This period begins on the
date you open this policy or the date you receive your policy document, whichever is later.

You can cancel this policy at any time, to do this you’ll need to call HSBC Customer
Services on 03457 707070. If it is not cancelled, this policy will remain in force until any
of the events in the automatic termination of cover occurs, or this policy is cancelled in
accordance with the rights shown in the General conditions section.

Cover upgrades:
• you have a statutory right to cancel within 14 days from the day of purchase of the
upgrade, or the day on which you receive your documents, whichever is later. If you
wish to cancel, you’ll be entitled to a full refund of the premium paid provided no
insured person has travelled and there’s been no claim or incident likely to give rise to
a claim. If you don’t exercise your right to cancel, it will continue in force and you will
need to pay the premium
• for cancellations outside this 14-day period no refund of premium will be made

Our cancellation rights

HSBC can issue notice of cancellation immediately on our behalf by sending at least 30 days’
written notice to your last known postal and/or email address setting out the reason for
cancellation. Valid reasons include but are not limited to the following:
• where we reasonably suspect fraud
• where you fail to co-operate with us or provide us with information or documentation
we reasonably require and this affects our ability to process a claim or defend our
interests
• where you have not taken reasonable care to provide complete and accurate answers
to the questions we ask. See the Information and changes you need to tell us about
including Your health section
• where HSBC decide to offer this policy through an alternative provider

HSBC may also cancel this policy in accordance with the HSBC Bank Account Terms and
Conditions. Please refer to that document for further details.

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Automatic termination of cover

The policy will remain in force until the first of the following automatic termination
events occur.

The account holder:

• closes the account
• reaches the maximum age limit shown on page 17 (sole accounts) or all account holders
reach the maximum age limit (joint accounts). An account holder will not be eligible for
cover if they reach the maximum age before the policy terminates
• is no longer a UK resident
• HSBC closes the bank account under one of the reasons set out in the
HSBC bank account terms and conditions

As your circumstances may change over time, it is important that you review the terms
and conditions of your worldwide travel insurance regularly to check you remain eligible
and that the cover remains adequate for your needs.

If an insured person is on a trip at the time an automatic termination event occurs,

all cover will cease when the trip ends.

When we can make changes to your cover

We can, at any time and after taking a fair and reasonable view, but no more than once in a
6 month period, make changes to your Worldwide Travel Insurance terms and conditions,
to reflect changes in our expectations of the future likely cost of providing cover. Policy
cover may increase or decrease, but the changes will not be made for the sake of
recouping past losses. When doing so we will only consider one or more of the following:
• our experience and expectations of the cost of providing this product and/or other
Aviva products of a similar nature
• information reasonably available to us on the actual and expected claims experience of
insurers of similar products
• widely available economic information such as inflation rates and exchange rates

Additionally, we can, at any time and after taking a fair and reasonable view, make
changes to your Worldwide Travel Insurance terms and conditions:
• to reflect changes (affecting us or your policy) in the law or regulation or the
interpretation of law or regulation, or changes in taxation
• to reflect decisions or recommendations of an ombudsman, regulator or similar person,
or any code of practice, with which we intend to comply
• in order to make your policy clearer and fairer to you or to rectify any mistakes that may
be discovered in due course

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Changes (together with the reasons for such changes) will be notified to you in writing at
least 30 days in advance.

Claims Fraud
If your claim is in any way dishonest or exaggerated, we will not pay any benefit under
this policy and we may cancel your policy and backdate the cancellation to the date of
the fraudulent claim. We may also take legal action against you to include recovery of any
sums paid to you in respect of the fraudulent claim.

Contribution to claim
If, at the time of an incident which results in a claim under this policy, there is any other
insurance or other source covering the same loss, damage, expense or liability, we are
entitled to approach that insurer and/or other source for a contribution towards the claim
and will only pay our share.

Your duty to prevent injury, loss, theft or damage

You and all other insured persons must take all reasonable precautions to protect
yourselves, your property and the property of others.

Transfer of rights
You cannot transfer your rights under this policy. A person, partnership (whether limited
or not) or company who is not insured under this policy has no rights under the Contracts
(Rights of Third Parties) Act 1999 to enforce any of its terms.

Payments made under compulsory insurance regulations and rights of recovery

If the law of a country in which this policy operates requires us to settle a claim which, if
this law had not existed, we would not be obliged to pay, we shall be entitled to recover
such payments from the relevant person insured or the person who incurred the liability.

Choice of Law
The law of England and Wales will apply to this contract, unless:
• you and we agree otherwise; or
• at the date of the contract you live in Scotland, Northern Ireland, the Channel Islands or
the Isle of Man, in which case the law of that country will apply

Use of Language
Unless otherwise agreed, the contractual terms and conditions and other information
relating to this contract will be in English.

Multiple accounts
Where an insured person holds more than one HSBC account, only one travel insurance
policy will apply. As such we will only pay out once per insured person for the same event.

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Complaints
What to do if you are unhappy
If you are unhappy with any aspect of the handling of your claim we would encourage
you, in the first instance, to seek resolution by contacting the Travel claims number; or if
your complaint is regarding anything else please contact the Customer Service Questions
about travel insurance number.

What will happen if you complain?

We aim to resolve all complaints as quickly as possible. If we are unable to resolve your
concerns quickly, we will:
• acknowledge your complaint promptly
• assign a dedicated complaint expert who will review your complaint
• carry out a thorough and impartial investigation
• keep you updated of the progress
• provide a written response within eight weeks of receiving your complaint, this will
inform you of the results of our investigation or explain why this isn’t possible

Where we have been unable to resolve your concerns or have been unable to resolve your
complaint within eight weeks, you may be able to ask the Financial Ombudsman Service
to carry out an independent review. Whilst we are bound by their decision, you are not.
Contacting them will not affect your legal rights.

You can contact the Financial Ombudsman Service by telephone on 0800 023 4567.
You can also visit their website at financial-ombudsman.org.uk where you will find
further information.

Please be aware that the Financial Ombudsman Service will only be able to consider your
complaint when we have had the opportunity to consider and resolve this.

Residents of the Channel Islands and the Isle of Man – For details of the regulator and
ombudsman for qualifying accounts opened in the Channel Islands or the Isle of Man,
please refer to “Banking Made Easy” or contact the local branch.

Financial Services Compensation Scheme

Depending on the circumstances of your claim you may be entitled to compensation from
the Financial Services Compensation Scheme (FSCS) if we cannot meet our obligations.
See fscs.org.uk.

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Privacy overview
HSBC UK Bank plc
Privacy Overview
HSBC UK Bank plc will share your personal information with Aviva to enable Aviva to
underwrite your policy and manage your claims. If you make a claim, any information you
give to us, or to Aviva may be put in a register of claims database and it may be shared
with other insurers to prevent fraudulent claims.

This Privacy Notice provides an overview of:

• the types of information we collect about you
• how we collect and use it
• who we might share it with
• the steps we’ll take to make sure it stays private and secure

We’ll also explain your rights to your information. This is just an overview of some key
points. A full description is contained in the privacy notice which you can obtain by
visiting hsbc.co.uk/privacy-notice or by calling 03457 70 70 70 and we will send you one
in the post.

Who we are
When we say ‘we’, we mean HSBC Group companies who act as a data controller in
respect of your personal data. Unless otherwise stated, the data controller for the
purposes of this notice is HSBC UK Bank plc.

The following HSBC Group companies will act as a data controller where you hold a
product or service with them: HSBC Life (UK) Limited, HSBC Trust Company (UK) Limited;
HSBC Executor and Trustee Company (UK) Limited; Trustees of the HSBC Self-Invested
Personal Pension; and HSBC Finance Limited.

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The information we collect

We collect information about you from different places including:
• directly from you
• from a third party acting on your behalf e.g. an intermediary or broker
• from other HSBC companies
• from publicly available sources
• when we generate it ourselves
• from other organisations

We’ll only collect your information in line with relevant regulations and law and this may
relate to any of our products or services you apply for, currently hold or have held in
the past.

You’re responsible for making sure you give us accurate and up to date information.
If you provide information for another person on your policy, you’ll need to direct them
to the privacy notice and make sure they agree to us using it for the purposes set out in
the privacy notice.

How we’ll use your information

We’ll use it to provide you with any products and services you’ve requested and other
purposes including for example:
• to confirm your identity and address
• to understand how you use any other accounts, products or services you hold with us
• to carry out your instructions
• to improve our products and services
• to offer you other services we believe may benefit you unless you’ve asked us not to

We’ll only use your information where we’re allowed to by law, including for example,
carrying out an agreement we have with you, fulfilling a legal obligation, because we have
a legitimate business interest or where you agree to it.

We may use automated systems to help us carry out fraud and money laundering checks.

Who we can share your information with

We may share your information with other companies we work in partnership with and
other HSBC Group members. We may also share your information with others outside of
the HSBC Group including regulators (e.g. the Financial Conduct Authority), insurers, other
banks, brokers, agents as well as credit reference and fraud prevention agencies.

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Sensitive information
When you apply for insurance, you may need to give us sensitive health information if the
insurer needs this to give you a quote. We will keep this information secure and process
it in accordance with relevant laws and regulations. Where appropriate, we will ask for
consent to collect and use this information.

How long we’ll keep your information

We’ll keep your information for as long as you have a relationship with us. After it ends
we’ll keep it where we may need it for our legitimate purposes, to help us respond to
queries or complaints, or for other legal and regulatory reasons, including for example,
fighting fraud and financial crime and responding to requests from regulators.

Transferring your information overseas

Your information may be transferred and stored in countries outside the UK and European
Economic Area (EEA), including some that may not have laws offering the same level of
protection for personal information. When we do this, we’ll ensure an appropriate level of
protection is maintained.

Your rights
You have a number of rights relating to your information e.g. to see what we hold, to ask us
to share it with another party, ask us to update incorrect or incomplete details, to object
to or restrict processing of it etc. For a fuller statement of your rights and how to complain
if you’re unhappy, please see the full privacy notice.

More information
If you’d like more details about anything covered in this summary, please see our full
Privacy Notice. You can view or download a copy by visiting hsbc.co.uk/privacy-notice
or if you prefer paper, give us a call on 03457 70 70 70 and we’ll send you one in the post.

Aviva Privacy Notice

Personal Information
We collect and use personal information about you so that we can provide you with a
policy that suits your insurance needs. This notice explains the most important aspects of
how we use your information but you can get more information about the terms we use
and view our full privacy policy at aviva.co.uk/privacypolicy or request a copy by writing
to us at Aviva, Freepost, Mailing Exclusion Team, Unit 5, Wanlip Road Ind Est, Syston,
Leicester, LE7 1PD.

The data controller responsible for this personal information is Aviva Insurance Limited as
the insurer of the product. Additional controllers include HSBC, who are responsible for
the sale and distribution of the product, and any applicable insurers, reinsurers or brokers
we use.

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Personal information we collect and how we use it

We will use personal information collected from you and obtained from other sources:
• to provide you with insurance: we need this to decide if we can offer insurance to you
and if so on what terms and also to administer your policy, handle any claims and
manage any renewal
• to support legitimate interests that we have as a business. We need this to:
— manage arrangements we have with our insurers, reinsurers and brokers we use,
and for the detection and prevention of fraud
— to meet any applicable legal or regulatory obligations: we need this to meet
compliance requirements with our regulators (e.g. Financial Conduct Authority),
to comply with law enforcement and to manage legal claims, and
— to carry out other activities that are in the public interest: for example, we may need
to use personal information to carry out anti-money laundering checks

We may also use personal information about other people, for example family members
you wish to insure on a policy. If you are providing information about another person we
expect you to ensure that they know you are doing so. You might find it helpful to show
them this privacy notice.

The personal information we collect and use will include name, address, date of birth and
financial information. If a claim is made we will also collect personal information about
the claim from you and any relevant third parties. We may also need to ask for details
relating to the health or any unspent offences or criminal convictions of you or somebody
else covered under your policy. We recognise that information about health and offences
or criminal convictions is particularly sensitive information. We’ll ensure that we only use
that information where we need to for our insurance purposes (including assessing the
terms of your insurance contract, dealing with changes to your policy and/or dealing
with claims).

There may be times when we need consent to use personal information for a specific
reason. If this happens, we will make this clear to you at the time. If you give us consent
to using personal information, you are free to withdraw this at any time by contacting
us – refer to the ‘Contacting us’ section. Please note that if consent to use this information
is withdrawn, we will not be able to continue to process the information you gave us for
this/these purpose(s). This would not affect our use of the information where consent is
not required.

Of course, you don’t have to provide us with any personal information, but if you don’t
provide the information we need we may not be able to proceed with your application or
any claim you make.

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Some of the information we use as part of this application may be provided to us by a

third party. This may include information already held about you within the Aviva group,
including details from previous quotes and claims, information we obtain from publicly
available records, our trusted third parties and from industry databases, including fraud
prevention agencies and databases.

Credit Reference Agency Searches

To ensure the Insurer has the necessary facts to assess your insurance risk, verify your
identity, help prevent fraud and provide you with our best premium and payment options,
the Insurer may need to obtain information relating to you at quotation, renewal and
in certain circumstances where policy amendments are requested. The Insurer or their
agents may undertake checks against publicly available information (such as electoral
roll, county court judgments, bankruptcy orders or repossession(s)). Similar checks may
be made when assessing claims.

The identity of our Credit Reference Agency and the ways in which they use and share
personal information, are explained in more detail at transunion.co.uk/crain.

Automated decision making

We carry out automated decision making to decide whether we can provide insurance
to you and on what terms, deal with claims or carry out fraud checks. In particular we
may use an automated underwriting engine to provide a quote for this product, using the
information we have collected.

How we share your personal information with others

We may share your personal information:
• with the Aviva group, our agents and third parties who provide services to us, HSBC and
other insurers (either directly or via those acting for the insurer such as loss adjusters or
investigators) to help us administer our products and services
• with regulatory bodies and law enforcement bodies, including the police, e.g. if we are
required to do so to comply with a relevant legal or regulatory obligation
• with other organisations including insurers, public bodies and the police (either directly
or using shared databases) for fraud prevention and detection purposes
• with reinsurers who provide reinsurance services to Aviva and for each other in respect
of risks underwritten by Aviva, with insurers who cover Aviva under its group insurance
policies and with our brokers who arrange and manage such reinsurance and insurance
arrangements

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They will use your data to decide whether to provide reinsurance and insurance cover,
arrange and manage such cover, assess and deal with reinsurance and insurance claims
under such cover and to meet legal obligations. They will keep your data for the period
necessary for these purposes and may need to disclose it to other companies within their
group, their agents and third party service providers, law enforcement and regulatory
bodies.

Some of the organisations we share information with may be located outside of the
European Economic Area (“EEA”). We’ll always take steps to ensure that any transfer of
information outside of Europe is carefully managed to protect your privacy rights. For
more information on this please see our Privacy Policy or contact us.

How long we keep your personal information for

We maintain a retention policy to ensure we only keep personal information for as long
as we reasonably need it for the purposes explained in this notice. We need to keep
information for the period necessary to administer your insurance and deal with claims
and queries on your policy.

We may also need to keep information after our relationship with you has ended,
for example to ensure we have an accurate record in the event of any complaints or
challenges, carry out relevant fraud checks, or where we are required to do so for legal,
regulatory or tax purposes.

Your rights
You have various rights in relation to your personal information, including the right
to request access to your personal information, correct any mistakes on our records,
erase or restrict records where they are no longer required, object to use of personal
information based on legitimate business interests, including profiling and marketing,
ask not to be subject to automated decision making if the decision produces legal or other
significant effects on you, and data portability. For more details in relation to your rights,
including how to exercise them, please see our full privacy policy or contact us – refer to
the ‘Contacting us’ details below.

Contacting us
If you have any questions about how we use personal information, or if you want to
exercise ‘Your rights’ stated above, please contact our Data Protection team by either
emailing them at [email protected] or writing to the Data Protection Officer, Pitheavlis,
Perth PH2 0NH.

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If you have a complaint or concern about how we use your personal information,
please contact us in the first instance and we will attempt to resolve the issue as
soon as possible. You also have the right to lodge a complaint with the Information
Commissioner’s Office at any time.

Fraud Prevention and Detection

In order to prevent and detect fraud we may at any time share information about you with
other organisations and public bodies including the Police.

You should show this notice to anyone who has an interest in the insurance under the
policy.

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Accessibility
If you need any of this information in a different
format, please let us know. This includes large
print, braille, or audio. You can speak to us using
the live chat on our website, by visiting one of our
branches, or by giving us a call.
There are also lots of other options available to help you communicate with us.
Some of these are provided by third parties who are responsible for the service.
These include a Text Relay Service and a British Sign Language (BSL) Video Relay
Service. To find out more please get in touch. You can also visit:
hsbc.co.uk/accessibility or: hsbc.co.uk/contact.

hsbc.co.uk
HSBC UK Bank plc. Registered in England and Wales with number 09928412.
Registered Office: 1 Centenary Square, Birmingham B1 1HQ, United Kingdom. Authorised by the Prudential
Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation
Authority. Our Financial Services Register number is 765112.

Aviva Insurance Limited. Registered in Scotland 2116. Registered Office: Pitheavlis, Perth PH2 0NH.
Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the
Prudential Regulation Authority. Our firm reference number is 202153. You may check this information and
obtain further information about how the Financial Conduct Authority protect you by visiting fca.org.uk.

RFB2532 MCP57641 ©HSBC Group 2023. All Rights Reserved.

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