Your Premier Tech Pack

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Your Premier Tech Pack

No longer available to new customers since 6th July 2015.

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You’ll ﬁnd terms, conditions and exclusions for the features included

in your Premier Tech Pack on the following pages (please read them

carefully so you’ll know what’s covered – and what’s not).

4 Mobile Phone Insurance

15 Gadget Cover Insurance

25 Overdraft Daily Fees

26 About Our Insurance Services

28 Adding a Pack to your Current Account

Welcome to your Premier Tech Pack

Enjoy the peace of mind of knowing that the gadgets that are most

important to you will soon be protected – including your mobile.

All for £7.50 a month.

Don’t forget to save the phone numbers below in your mobile phone

so they’re always to hand when you need them.

Check you’re not covered elsewhere

To avoid paying for cover you don’t need, it’s

worth checking that you don’t already have similar

or overlapping cover on other packaged accounts

or policies.

Multi Pack Discount

When you add more than one Pack to the same

account, you’ll receive our multi-Pack discount of

£2 per month for each additional Pack you add.

Don’t forget you can now store your

documents securely on Cloud It

If you are an Online Banking or Barclays Mobile

Banking customer you have access to Cloud It –

a secure, online, document storage system that

helps you organise your life. By saving your proof of

purchase into your Cloud It, in the event you need

to make a claim, you’ll have all of your information

at the click of a mouse.

Mobile Phone Insurance

It’s hard to imagine life without your mobile.

or smartphone against loss, theft and accidental

damage.

You’ll have cover for up to four phones for joint

accounts, and up to two phones for sole accounts.

To register, visit barclays.lifestylegroup.co.uk, or

try our mobile app, which can be found through

iTunes or GooglePlay, called Barclays Mobile and

Gadget Cover or call 0800 158 3198*

Make sure you have the make, model and IMEI

number (which you can get by dialling *#06#)

to hand. Your cover will start immediately after

you register.

Gadget Cover

Protect your essential gadgets such as tablets,

smartwatches, camcorders, digital cameras,

laptops, MP3 players and more, with worldwide

cover against theft, breakdown, accidental and

malicious damage.

Cover is up to £1,000 in total. Loss is not covered.

To register, visit barclays.lifestylegroup.co.uk, or

try our mobile app, which can be found through

iTunes or GooglePlay, called Barclays Mobile and

Gadget Cover or call 0800 158 3198*

Please note from 6th July 2015 this Pack is no longer available to new

customers. However, the Pack will continue to operate as usual for

existing Pack holders.

Things to knowYou’ll need to register for your features

BAR_9912279LP_UK.indd 2 12/12/2017 13:08

You’ll ﬁnd terms, conditions and exclusions for the features included

in your Premier Tech Pack on the following pages (please read them

carefully so you’ll know what’s covered – and what’s not).

4 Mobile Phone Insurance

15 Gadget Cover Insurance

25 Overdraft Daily Fees

26 About Our Insurance Services

28 Adding a Pack to your Current Account

Welcome to your Premier Tech Pack

Enjoy the peace of mind of knowing that the gadgets that are most

important to you will soon be protected – including your mobile.

All for £7.50 a month.

Don’t forget to save the phone numbers below in your mobile phone

so they’re always to hand when you need them.

Check you’re not covered elsewhere

To avoid paying for cover you don’t need, it’s

worth checking that you don’t already have similar

or overlapping cover on other packaged accounts

or policies.

Multi Pack Discount

When you add more than one Pack to the same

account, you’ll receive our multi-Pack discount of

£2 per month for each additional Pack you add.

Don’t forget you can now store your

documents securely on Cloud It

If you are an Online Banking or Barclays Mobile

Banking customer you have access to Cloud It –

a secure, online, document storage system that

helps you organise your life. By saving your proof of

purchase into your Cloud It, in the event you need

to make a claim, you’ll have all of your information

at the click of a mouse.

Changed your mind?

If you decide you don’t want this Pack, you have

14 days to contact us to cancel and we’ll refund

any fees you may have paid. We can’t refund after

this date, although you can still cancel at any time.

The 14-day period begins on the day you receive

this Welcome Pack.

Remember, your account is available without

a Pack, and with no monthly account fee.

To cancel, contact us on 0345 7 345 345, visit your

nearest Barclays Branch or tell us by writing to

Barclays, Leicester LE87 2BB.

Gadget Cover

Protect your essential gadgets such as tablets,

smartwatches, camcorders, digital cameras,

laptops, MP3 players and more, with worldwide

cover against theft, breakdown, accidental and

malicious damage.

Cover is up to £1,000 in total. Loss is not covered.

To register, visit barclays.lifestylegroup.co.uk

, or

try our mobile app, which can be found through

iTunes or GooglePlay, called Barclays Mobile and

Gadget Cover or call 0800 158 3198*

Please note from 6th July 2015 this Pack is no longer available to new

customers. However, the Pack will continue to operate as usual for

existing Pack holders.

Things to knowYou’ll need to register for your features

BAR_9912279LP_UK.indd 3 12/12/2017 13:08

Duration of this policy

Your Policy will remain in place until it is either

cancelled by you, or if your Premier Tech Pack is

closed, or your Qualifying Account is closed or

switched to a non-qualifying account, you fail to

pay the monthly Premier Tech Pack fee or your

permanent residential address is no longer in the

United Kingdom.

Cancelling your insurance

You have a statutory 14 day period in which to

cancel your insurance contract. This period begins

on the date Premier Tech Pack is added to your

Qualifying Account or the date you receive your

policy document, whichever is the later. This period

begins from these dates irrespective of when you

this period and have paid your ﬁrst monthly Premier

Tech Pack fee, it will be refunded. If you cancel at

a later date, you will not be refunded the monthly

Premier Tech Pack fees that you have paid. Your

insurance policy forms part of the beneﬁt options

available to you with Premier Tech Pack, subject

to you being a Qualifying Account holder. You may

choose whether to beneﬁt from this policy by

registering a phone for cover and you may

de-register your phone at any time if you no longer

wish to beneﬁt from this policy. Should you wish

to cancel this insurance policy, you will need to

notify us.

Your insurance will end if your Premier Tech Pack

is closed, or your Qualifying Account is closed or

switched to a non-qualifying account, you fail to

pay the monthly Premier Tech Pack fee or your

permanent residential address is no longer in the

United Kingdom.

If you need to claim

• You should tell us about your claim as soon as

possible and within 28 days of becoming aware

of the loss, theft, damage, or breakdown, and

inform the Police and your airtime provider

(in the case of loss or theft)

• You may need to send us proof that the mobile

phone is yours, which should include the

make, model, memory size and IMEI number

(details of how to ﬁnd this number are in the

section on ’Actions you will need to take...’)

• You can make a claim at

barclays.lifestylegroup.co.uk

or by calling 0800 158 3198*

Mobile Phone Insurance

Policy Summary

We recognise that your mobile phone is so much

more than just a device to make and receive calls.

This mobile phone insurance policy is available as

part of the Premier Tech Pack, subject to you

having a Qualifying Account. The Qualifying

Account is the Premier Current Account, Barclays

Bank Account or Barclays Basic Current Account

to which your Premier Tech Pack has been added.

Under this insurance policy we will repair or

replace your mobile phone(s) in the circumstances

summarised below and explained more fully in the

terms of the Policy Document.

We want you to get the most out of this policy, and

that means you need to be clear on what is and

isn’t covered. The Summary of Cover and the terms

of the Policy Document provide details of the

insurance policy and you must read them to ensure

that the policy meets your needs. Full terms of the

policy can be found in the Policy Document. You

may need to review this Policy periodically to

ensure it continues to meet your requirements.

Registering your mobile phone

To help you with any future claims and to simplify

the claims process, please provide us with your

mobile phone details. This can be done by:

• visiting barclays.lifestylegroup.co.uk or

• calling the customer helpline on

0800 158 3198* selecting the Mobile Phone

Insurance option or

• through our mobile app, which can be found

through iTunes or Google Play, called Barclays

Mobile and Gadget Cover.

You will need the following information when

registering your handset:

• Make

• Model

• IMEI number

• Telephone number

What are you covered for

• This policy provides worldwide

cover for the named account

holder for two mobile phones

(maximum of four for joint accounts)

• Replacing or repairing your mobile phone, up to

a maximum value of £1,000 (including VAT)

per claim, in the event of:

– loss

– theft

– damage

– breakdown/fault

• Unauthorised network charges from the point

that your mobile phone was lost or stolen and

up to 24 hours after discovery of the loss or

theft, up to a maximum value of:

• £2,000 for contract handsets

• £100 for PAYG

per claim whichever limit is reached ﬁrst.

• Mobile phone accessories that are lost, stolen

or damaged at the same time as your mobile

phone, up to a maximum value of £250

(including VAT) per claim

What you are NOT covered for

• You need to pay an amount every time you

make a successful claim of:

– Apple handsets – £50 for damage and

breakdown claims or £100 for loss and

theft claims

– Non-Apple handsets – £25 for damage

and breakdown claims or £50 for loss and

theft claims

This is the excess. Your excess is payable for every

accepted claim and must be paid before your

claim will be settled

• More than two instances that give rise to an

accepted claim in any 12 month period for each

account holder. A full description is in the

“What you are NOT covered for” section

• Theft, loss, damage or breakdown where you

have knowingly put your mobile phone at risk or

you have not taken care of it. Examples are

provided in the “What you are NOT covered for”

section of the Policy Document, which you, you

should read to help you understand the cover

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4 3

Duration of this policy

Your Policy will remain in place until it is either

cancelled by you, or if your Premier Tech Pack is

closed, or your Qualifying Account is closed or

switched to a non-qualifying account, you fail to

pay the monthly Premier Tech Pack fee or your

permanent residential address is no longer in the

United Kingdom.

Cancelling your insurance

You have a statutory 14 day period in which to

cancel your insurance contract. This period begins

on the date Premier Tech Pack is added to your

Qualifying Account or the date you receive your

policy document, whichever is the later. This period

begins from these dates irrespective of when you

this period and have paid your ﬁrst monthly Premier

Tech Pack fee, it will be refunded. If you cancel at

a later date, you will not be refunded the monthly

Premier Tech Pack fees that you have paid. Your

insurance policy forms part of the beneﬁt options

available to you with Premier Tech Pack, subject

to you being a Qualifying Account holder. You may

choose whether to beneﬁt from this policy by

registering a phone for cover and you may

de-register your phone at any time if you no longer

wish to beneﬁt from this policy. Should you wish

to cancel this insurance policy, you will need to

notify us.

Your insurance will end if your Premier Tech Pack

is closed, or your Qualifying Account is closed or

switched to a non-qualifying account, you fail to

pay the monthly Premier Tech Pack fee or your

permanent residential address is no longer in the

United Kingdom.

If you need to claim

• You should tell us about your claim as soon as

possible and within 28 days of becoming aware

of the loss, theft, damage, or breakdown, and

inform the Police and your airtime provider

(in the case of loss or theft)

• You may need to send us proof that the mobile

phone is yours, which should include the

make, model, memory size and IMEI number

(details of how to ﬁnd this number are in the

section on ’Actions you will need to take...’)

• You can make a claim at

barclays.lifestylegroup.co.uk

or by calling 0800 158 3198*

Got a question? Need to make

a complaint?

We want to make sure you’re happy.

Should you need to talk to us, contact

us at barclays.lifestylegroup.co.uk or call

0800 158 3198*. If after making a complaint you

are still unhappy, you may contact the Financial

Ombudsman Service.

Need another copy?

This document is also available in large print,

audio and Braille, so get in touch with us on

0800 158 3198* if you’d like to request a copy in

one of these formats. The same applies if you just

need a replacement.

Status Disclosure

This Policy has been arranged as part of your bank

account and is administered by Lifestyle Services

Group Limited (FRN 315245)with a single insurer,

London General Insurance Company Limited (LGI)

(FRN 202689).

London General Insurance Company Limited is

authorised by the Prudential Regulation Authority

and regulated by the Financial Conduct Authority

and the Prudential Regulation Authority. Lifestyle

Services Group Limited is authorised and regulated

by the Financial Conduct Authority. All ﬁrms’

Services Register by visiting the FCA’s website

fca.org.uk/register or by phoning 0800 111 6768*.

Mobile Phone Insurance

What are you covered for

• This policy provides worldwide

cover for the named account

holder for two mobile phones

(maximum of four for joint accounts)

• Replacing or repairing your mobile phone, up to

a maximum value of £1,000 (including VAT)

per claim, in the event of:

– loss

– theft

– damage

– breakdown/fault

• Unauthorised network charges from the point

that your mobile phone was lost or stolen and

up to 24 hours after discovery of the loss or

theft, up to a maximum value of:

• £2,000 for contract handsets

• £100 for PAYG

per claim whichever limit is reached ﬁrst.

• Mobile phone accessories that are lost, stolen

or damaged at the same time as your mobile

phone, up to a maximum value of £250

(including VAT) per claim

What you are NOT covered for

• You need to pay an amount every time you

make a successful claim of:

– Apple handsets – £50 for damage and

breakdown claims or £100 for loss and

theft claims

– Non-Apple handsets – £25 for damage

and breakdown claims or £50 for loss and

theft claims

This is the excess. Your excess is payable for every

accepted claim and must be paid before your

claim will be settled

• More than two instances that give rise to an

accepted claim in any 12 month period for each

account holder. A full description is in the

“What you are NOT covered for” section

• Theft, loss, damage or breakdown where you

have knowingly put your mobile phone at risk or

you have not taken care of it. Examples are

provided in the “What you are NOT covered for”

section of the Policy Document, which you, you

should read to help you understand the cover

BAR_9912279LP_UK.indd 5 12/12/2017 13:08

Mobile Phone Insurance Policy

This is your mobile phone insurance policy. In this document you will ﬁnd everything you need to know.

Please read this carefully to make sure this policy is right for you. If you have any questions then visit

barclays.lifestylegroup.co.uk. This policy constitutes an agreement between you and the insurer,

London General Insurance Company Limited. The insurer has appointed Lifestyle Services Group to

administer the policy. References to ‘we/us/our’ relates to London General Insurance Company and

Lifestyle Services Group.

Who is this policy suitable for?

Summary Description

For many of us, our mobile phone is much

more than a device for making calls. It

means you can stay in contact wherever you

are, it stores valuable memories and so

much more.

This policy is suitable if you have a mobile phone that is not

already covered under an insurance policy and you want to

cover the cost of repairing or replacing your mobile phone

against loss, theft, damage and breakdown (subject to an

excess payment by you for every accepted claim detailed in

the section ‘What you are NOT covered for’, you should

consider this excess if you have a basic mobile phone to

judge whether this policy is suitable for you).

It is important to note that mobile phone

insurance is offered on the understanding

that you will take care of your mobile phone.

Having insurance does not mean that you can take risks

with your mobile phone which you would not take if your

mobile phone was not insured as doing so may result in your

claim being declined.

Further details can be found in the section ‘What you are

NOT covered for’.

We do understand that circumstances of the claim can be quite different when a claim event happens and

we will make every effort to take this into consideration when we review a claim.

The cover you receive

Risk you are covered for Beneﬁts you receive

Your mobile phone and SIM card is covered

worldwide against:

•

Loss

•

Theft

•

Damage

•

Breakdown/fault

If your mobile phone is damaged or breaks down we will

either:

• repair the mobile phone (where possible) or

• replace it with a mobile phone of the same make and

model. If we cannot do this you will be given a choice

of models with an equivalent speciﬁcation.

If your mobile phone is lost or stolen we will replace it with

a mobile phone of the same make and model. If we cannot

do this you will be given a choice of models with an

equivalent speciﬁcation.

Replacements

• Where we replace the mobile phone the replacement

may be a remanufactured (not brand new) device.

• We will attempt to replace your phone with one of

the same colour but we can’t guarantee to do this or

replace any limited or special edition mobile phones.

• Where we send you a replacement or repaired item,

this will only be sent to a UK address.

If you are charged by your network for your replacement

SIM card we will reimburse you.

What are you are NOT covered for

Summary Description

Excess

You need to pay an amount of:

•

Apple handsets – £50 for damage and breakdown

claims or £100 for loss and theft claims

•

Non-Apple handsets – £25 for damage and breakdown

claims or £50 for loss and theft claims

This is the excess. Your excess is payable for every

accepted claim and must be paid before your claim will

be settled.

Loss, theft or damage as a result of not

taking care of your mobile phone

We know how important your mobile phone is to you

and we expect that you will take care of your mobile

phone. If you don’t take care of your mobile phone

then we may not pay your claim.

Taking care of your mobile phone means –

• Not knowingly leaving your mobile phone somewhere

it is likely to be lost, stolen or damaged. Just think,

would you leave your wallet or purse there?

• If you need to leave your mobile phone somewhere

then we expect you to lock it away out of sight if at

all possible. If you cannot lock it away then you must

leave it with someone you trust or concealed out of

sight in a safe place.

• Making reasonable enquiries to ﬁnd your phone if you

think you have lost it.

If you knowingly leave your mobile phone where others

can see it but you cannot, and your mobile phone is then

lost or stolen, we may not pay your claim.

Risk you are covered for Beneﬁts you receive

If you make a successful claim for loss or

theft and discover you have been charged

for calls, texts or data as a result of someone

else using your phone, you are covered for

these up to a value of £2,000 if you have an

airtime contract and £100 if you pay as

you go.

In the event that you are billed by your network provider as

a result of your mobile phone being used after it has been

lost or stolen, we will pay those charges incurred during

the period between:

• The moment the loss or theft occurred and

• 24 hours after you discovered it missing

For example, if your phone was stolen at 8am on Tuesday

and you discovered it missing at 11am on Wednesday, you

would be covered for charges made between 8am Tuesday

and 11am Thursday, up to the following cover limits:

• £2,000 for contract handsets

• £100 for PAYG

We may require copies of network bills for contract mobile

phones or proof of ’Top-up’ to your credit on Pay-As-You-Go

mobile phones to support your claim for unauthorised use.

If any accessories for your mobile phone are

lost, stolen or damaged at the same time as

your mobile phone you are covered for these

up to a value of £250. That’s a case,

headphones, Bluetooth headsets and similar.

If your accessories are lost, stolen or damaged at the same

time as your mobile phone we will replace them with

accessories of a similar speciﬁcation.

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6 5

Mobile Phone Insurance Policy

This is your mobile phone insurance policy. In this document you will ﬁnd everything you need to know.

Please read this carefully to make sure this policy is right for you. If you have any questions then visit

barclays.lifestylegroup.co.uk. This policy constitutes an agreement between you and the insurer,

London General Insurance Company Limited. The insurer has appointed Lifestyle Services Group to

administer the policy. References to ‘we/us/our’ relates to London General Insurance Company and

Lifestyle Services Group.

Who is this policy suitable for?

Summary Description

For many of us, our mobile phone is much

more than a device for making calls. It

means you can stay in contact wherever you

are, it stores valuable memories and so

much more.

This policy is suitable if you have a mobile phone that is not

already covered under an insurance policy and you want to

cover the cost of repairing or replacing your mobile phone

against loss, theft, damage and breakdown (subject to an

excess payment by you for every accepted claim detailed in

the section ‘What you are NOT covered for’, you should

consider this excess if you have a basic mobile phone to

judge whether this policy is suitable for you).

It is important to note that mobile phone

insurance is offered on the understanding

that you will take care of your mobile phone.

Having insurance does not mean that you can take risks

with your mobile phone which you would not take if your

mobile phone was not insured as doing so may result in your

claim being declined.

Further details can be found in the section ‘What you are

NOT covered for’.

We do understand that circumstances of the claim can be quite different when a claim event happens and

we will make every effort to take this into consideration when we review a claim.

The cover you receive

Risk you are covered for Beneﬁts you receive

Your mobile phone and SIM card is covered

worldwide against:

•

Loss

•

Theft

•

Damage

•

Breakdown/fault

If your mobile phone is damaged or breaks down we will

either:

• repair the mobile phone (where possible) or

• replace it with a mobile phone of the same make and

model. If we cannot do this you will be given a choice

of models with an equivalent speciﬁcation.

If your mobile phone is lost or stolen we will replace it with

a mobile phone of the same make and model. If we cannot

do this you will be given a choice of models with an

equivalent speciﬁcation.

Replacements

• Where we replace the mobile phone the replacement

may be a remanufactured (not brand new) device.

• We will attempt to replace your phone with one of

the same colour but we can’t guarantee to do this or

replace any limited or special edition mobile phones.

• Where we send you a replacement or repaired item,

this will only be sent to a UK address.

If you are charged by your network for your replacement

SIM card we will reimburse you.

What are you are NOT covered for

Summary Description

Excess

You need to pay an amount of:

•

Apple handsets – £50 for damage and breakdown

claims or £100 for loss and theft claims

•

Non-Apple handsets – £25 for damage and breakdown

claims or £50 for loss and theft claims

This is the excess. Your excess is payable for every

accepted claim and must be paid before your claim will

be settled.

Loss, theft or damage as a result of not

taking care of your mobile phone

We know how important your mobile phone is to you

and we expect that you will take care of your mobile

phone. If you don’t take care of your mobile phone

then we may not pay your claim.

Taking care of your mobile phone means –

• Not knowingly leaving your mobile phone somewhere

it is likely to be lost, stolen or damaged. Just think,

would you leave your wallet or purse there?

• If you need to leave your mobile phone somewhere

then we expect you to lock it away out of sight if at

all possible. If you cannot lock it away then you must

leave it with someone you trust or concealed out of

sight in a safe place.

• Making reasonable enquiries to ﬁnd your phone if you

think you have lost it.

If you knowingly leave your mobile phone where others

can see it but you cannot, and your mobile phone is then

lost or stolen, we may not pay your claim.

Risk you are covered for Beneﬁts you receive

If you make a successful claim for loss or

theft and discover you have been charged

for calls, texts or data as a result of someone

else using your phone, you are covered for

these up to a value of £2,000 if you have an

airtime contract and £100 if you pay as

you go.

In the event that you are billed by your network provider as

a result of your mobile phone being used after it has been

lost or stolen, we will pay those charges incurred during

the period between:

• The moment the loss or theft occurred and

• 24 hours after you discovered it missing

For example, if your phone was stolen at 8am on Tuesday

and you discovered it missing at 11am on Wednesday, you

would be covered for charges made between 8am Tuesday

and 11am Thursday, up to the following cover limits:

• £2,000 for contract handsets

• £100 for PAYG

We may require copies of network bills for contract mobile

phones or proof of ’Top-up’ to your credit on Pay-As-You-Go

mobile phones to support your claim for unauthorised use.

If any accessories for your mobile phone are

lost, stolen or damaged at the same time as

your mobile phone you are covered for these

up to a value of £250. That’s a case,

headphones, Bluetooth headsets and similar.

If your accessories are lost, stolen or damaged at the same

time as your mobile phone we will replace them with

accessories of a similar speciﬁcation.

BAR_9912279LP_UK.indd 7 12/12/2017 13:08

Summary Description

We will always take into account where you are and what

you are doing when we assess whether you have taken

care of your mobile phone. If we believe you have not taken

care of your mobile phone, and have knowingly taken a risk

with it, we may decline your claim.

For example, if you knowingly do any of the below we may

decline your claim for not taking care of your mobile phone:

• leaving your mobile phone somewhere you can’t see it

but others can

• leaving your mobile phone on display in your car

• leaving your mobile phone in the care of someone you

don’t know well

• if you are at the gym and you leave your mobile phone

on a bench in the changing rooms rather than taking it

with you or locking it in a locker

• in a cafe or pub you leave your mobile phone on the

table when you go to pick up your drink instead of

taking it with you

• intentionally damaging your phone

All of these examples increase the risk of it being stolen

and may result in your claim being declined. The examples

are to help you understand what’s covered, and are not the

only reasons a claim could be rejected.

Cosmetic damage We only cover damage if it stops the normal functioning

of your mobile phone. If it is just a scratch or dent, and

your mobile phone still works as expected, then we will

not repair or replace it.

We know scratches and scrapes to your mobile phone

aren’t nice but we are here to ﬁx your mobile phone when

it isn’t working, so if it still functions as you would expect

then we can’t help. For example, a scratched screen would

not be covered but a cracked screen would be covered.

Contents of your mobile phone We only cover the mobile phone,we don’t cover the

contents. This means that any pictures, software,

downloads, apps, music or any other content is not

covered by this policy so make sure you back it

up regularly.

There are lots of ways to back up the contents of your

mobile phone and we suggest you do this regularly so

if you have a claim and you lose your mobile phone’s

contents as a result, you can easily download it on to

your new mobile phone.

Summary Description

More than two accepted claims in any

12 months

We insure your mobile phone for up to two accepted

claims per account holder in any 12 month period. If you

make two accepted claims in any 12 month period your

insurance will continue but you will not be able to make

claims for any further incidents that happen before the

anniversary of the ﬁrst claim.

For example if you make a claim on 1st January and

another on 1st May you will not be able to make any

further claims against this policy for incidents that happen

prior to 1st January the following year.

Other loss Any cost or loss that can’t be resolved by the repair

or replacement of your mobile phone.

We don’t cover any loss or proﬁt, opportunity, goodwill

or similar losses. We just cover the mobile phone,

unauthorised network charges and accessories.

Any device that is not a mobile phone This policy is only for mobile phones. This means we

only cover devices that are designed to make mobile

phone calls.

This policy isn’t for tablet computers.

Modiﬁcations If your mobile phone has been modiﬁed in any way we

will only replace or repair the mobile phone,we do not

cover the modiﬁcations that have been made.

Modiﬁcations are anything that changes the way your

mobile phone looks or operates from the original

speciﬁcations. This includes things like adding gems,

precious metals or making software changes such as

unlocking your mobile phone from a network.

Actions you will need to take on loss, theft, breakdown or damage to your

mobile phone

Summary Description

Tell your airtime provider if your mobile

phone is lost or stolen as soon as you can

If you don’t tell your airtime provider within the 24 hour

period, you will be responsible for any further charges.

As detailed in ‘The Cover You Receive’ section, we only

pay for unauthorised network charges from the point your

mobile phone is lost or stolen for up to 24 hours after you

discover the loss or theft.

If your mobile phone is lost or stolen

report it to the Police

Tell the police about any lost or stolen mobile phone as

soon as you can,we will ask you to provide the Police

reference number before we will pay any claim for loss

and theft.

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Summary Description

We will always take into account where you are and what

you are doing when we assess whether you have taken

care of your mobile phone. If we believe you have not taken

care of your mobile phone, and have knowingly taken a risk

with it, we may decline your claim.

For example, if you knowingly do any of the below we may

decline your claim for not taking care of your mobile phone:

• leaving your mobile phone somewhere you can’t see it

but others can

• leaving your mobile phone on display in your car

• leaving your mobile phone in the care of someone you

don’t know well

• if you are at the gym and you leave your mobile phone

on a bench in the changing rooms rather than taking it

with you or locking it in a locker

• in a cafe or pub you leave your mobile phone on the

table when you go to pick up your drink instead of

taking it with you

• intentionally damaging your phone

All of these examples increase the risk of it being stolen

and may result in your claim being declined. The examples

are to help you understand what’s covered, and are not the

only reasons a claim could be rejected.

Cosmetic damage We only cover damage if it stops the normal functioning

of your mobile phone. If it is just a scratch or dent, and

your mobile phone still works as expected, then we will

not repair or replace it.

We know scratches and scrapes to your mobile phone

aren’t nice but we are here to ﬁx your mobile phone when

it isn’t working, so if it still functions as you would expect

then we can’t help. For example, a scratched screen would

not be covered but a cracked screen would be covered.

Contents of your mobile phone We only cover the mobile phone,we don’t cover the

contents. This means that any pictures, software,

downloads, apps, music or any other content is not

covered by this policy so make sure you back it

up regularly.

There are lots of ways to back up the contents of your

mobile phone and we suggest you do this regularly so

if you have a claim and you lose your mobile phone’s

contents as a result, you can easily download it on to

your new mobile phone.

Summary Description

More than two accepted claims in any

12 months

We insure your mobile phone for up to two accepted

claims per account holder in any 12 month period. If you

make two accepted claims in any 12 month period your

insurance will continue but you will not be able to make

claims for any further incidents that happen before the

anniversary of the ﬁrst claim.

For example if you make a claim on 1st January and

another on 1st May you will not be able to make any

further claims against this policy for incidents that happen

prior to 1st January the following year.

Other loss Any cost or loss that can’t be resolved by the repair

or replacement of your mobile phone.

We don’t cover any loss or proﬁt, opportunity, goodwill

or similar losses. We just cover the mobile phone,

unauthorised network charges and accessories.

Any device that is not a mobile phone This policy is only for mobile phones. This means we

only cover devices that are designed to make mobile

phone calls.

This policy isn’t for tablet computers.

Modiﬁcations If your mobile phone has been modiﬁed in any way we

will only replace or repair the mobile phone,we do not

cover the modiﬁcations that have been made.

Modiﬁcations are anything that changes the way your

mobile phone looks or operates from the original

speciﬁcations. This includes things like adding gems,

precious metals or making software changes such as

unlocking your mobile phone from a network.

Actions you will need to take on loss, theft, breakdown or damage to your

mobile phone

Summary Description

Tell your airtime provider if your mobile

phone is lost or stolen as soon as you can

If you don’t tell your airtime provider within the 24 hour

period, you will be responsible for any further charges.

As detailed in ‘The Cover You Receive’ section, we only

pay for unauthorised network charges from the point your

mobile phone is lost or stolen for up to 24 hours after you

discover the loss or theft.

If your mobile phone is lost or stolen

report it to the Police

Tell the police about any lost or stolen mobile phone as

soon as you can,we will ask you to provide the Police

reference number before we will pay any claim for loss

and theft.

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Summary Description

Report your claim to us as soon as you can

but within 28 days

Tell us about a claim as soon as you can. We expect you

to tell us about any claim as soon as possible and within

28 days of discovery of the loss, theft, breakdown

or damage.

If you don’t do this it makes it difﬁcult for us to investigate

your claim, recover your mobile phone if it is lost or stolen,

or stop any further damage to your mobile phone. You can

log your claim online or by telephone, it is really simple.

Report any loss or theft to the place you

believe it has been lost in or stolen from

We expect you to report your mobile phone as lost or

stolen to the place it was lost or you think it has been

stolen from.

Often mobile phones are found and handed in to the place

they were found at. We expect you to report the loss or theft

of your mobile phone to the place you think it was lost in or

is most likely to be handed back to. We may ask you to

provide the details of where your handset was lost or stolen

from and the actions you have taken to try to recover it.

Proof of ownership We need to know that the mobile phone,SIM card and

accessories you are claiming for are yours. Therefore you

may need to provide some form of proof of ownership.

You may need to be able to tell us the make and model of

your mobile phone. We may ask to see something that

tells us that the items you are claiming for belong to you

and conﬁrms the make, model, memory size, colour and

IMEI number of your mobile phone.

The IMEI number is the unique serial number for your mobile

phone. You can ﬁnd it by inputting *#06# into your mobile

phone. It should also be noted on the documentation that

came with your mobile phone when you purchased it. Your

airtime provider may also be able to provide it to you.

Proof of ownership could include a till receipt or

documentation from your airtime provider. If you don’t

have any proof of ownership we may decline your claim.

How to make a claim

Please make sure you have read the “Actions you will need to take on loss, theft, breakdown or damage to

your mobile phone” section as this tells you what we may need from you in order to settle your claim.

Summary Description

Step One:

Please make sure you have read the “Actions you will need

to take on loss, theft, breakdown or damage to your mobile

phone” section as this tells you what we may need from

you in order to settle your claim.

Step Two:

You should tell us about your claim as soon as you can,

and within 28 days of discovering the incident. Claims

outside this timeframe will still be considered, however, it

makes it difﬁcult for us to investigate your claim. You can

do this by contacting us at barclays.lifestylegroup.co.uk

or by calling 0800 158 3198*.

Step Three:

We will walk you through the simple claims process and

tell you what information you will need to provide for us to

assess your claim.

Step Four:

You will need to pay your excess for every accepted claim.

Your excess can be paid by Visa, MasterCard and debit

cards. (We do not accept American Express cards.)

Step Five:

We will either repair your mobile or send you a replacement.

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10 9

Summary Description

Report your claim to us as soon as you can

but within 28 days

Tell us about a claim as soon as you can. We expect you

to tell us about any claim as soon as possible and within

28 days of discovery of the loss, theft, breakdown

or damage.

If you don’t do this it makes it difﬁcult for us to investigate

your claim, recover your mobile phone if it is lost or stolen,

or stop any further damage to your mobile phone. You can

log your claim online or by telephone, it is really simple.

Report any loss or theft to the place you

believe it has been lost in or stolen from

We expect you to report your mobile phone as lost or

stolen to the place it was lost or you think it has been

stolen from.

Often mobile phones are found and handed in to the place

they were found at. We expect you to report the loss or theft

of your mobile phone to the place you think it was lost in or

is most likely to be handed back to. We may ask you to

provide the details of where your handset was lost or stolen

from and the actions you have taken to try to recover it.

Proof of ownership We need to know that the mobile phone,SIM card and

accessories you are claiming for are yours. Therefore you

may need to provide some form of proof of ownership.

You may need to be able to tell us the make and model of

your mobile phone. We may ask to see something that

tells us that the items you are claiming for belong to you

and conﬁrms the make, model, memory size, colour and

IMEI number of your mobile phone.

The IMEI number is the unique serial number for your mobile

phone. You can ﬁnd it by inputting *#06# into your mobile

phone. It should also be noted on the documentation that

came with your mobile phone when you purchased it. Your

airtime provider may also be able to provide it to you.

Proof of ownership could include a till receipt or

documentation from your airtime provider. If you don’t

have any proof of ownership we may decline your claim.

How to make a claim

Please make sure you have read the “Actions you will need to take on loss, theft, breakdown or damage to

your mobile phone” section as this tells you what we may need from you in order to settle your claim.

Summary Description

Step One:

Please make sure you have read the “Actions you will need

to take on loss, theft, breakdown or damage to your mobile

phone” section as this tells you what we may need from

you in order to settle your claim.

Step Two:

You should tell us about your claim as soon as you can,

and within 28 days of discovering the incident. Claims

outside this timeframe will still be considered, however, it

makes it difﬁcult for us to investigate your claim. You can

do this by contacting us at barclays.lifestylegroup.co.uk

or by calling 0800 158 3198*.

Step Three:

We will walk you through the simple claims process and

tell you what information you will need to provide for us to

assess your claim.

Step Four:

You will need to pay your excess for every accepted claim.

Your excess can be paid by Visa, MasterCard and debit

cards. (We do not accept American Express cards.)

Step Five:

We will either repair your mobile or send you a replacement.

BAR_9912279LP_UK.indd 11 12/12/2017 13:08

What you need to know about the

claims process

• Repairs may be made using readily available

parts, or we may provide refurbished products

which may contain parts, which are of similar or

equivalent speciﬁcation, and which may include

unbranded parts. This policy is provided in

addition to any manufacturer’s warranty that

applies to your mobile phone (“applicable

manufacturer’s warranty”). Nothing in this

policy is intended to affect your rights under the

applicable manufacturer’s warranty or your

statutory rights. If any repairs authorised by

us under this policy invalidate the applicable

manufacturer’s warranty, we will repair or

replace your mobile phone, as necessary, in

accordance with the terms of the applicable

manufacturer’s warranty for the unexpired

period of the applicable manufacturer’s

warranty.

• If we are unable to replace your phone with

the same make and model or a model of an

equivalent speciﬁcation, we will contact you

to discuss an alternative claim settlement.

• If any lost, stolen or damaged items are

recovered after the claim is approved, they shall

become the property of the insurer and must

be returned to us immediately. Damaged mobile

phones and accessories, parts and materials

replaced by us shall become the property

of the insurer.

• Lifestyle Services Group handle all claims on

behalf of the insurer

What if your claim is rejected?

If you’re not happy with the claims decision,

we want to hear from you as soon as possible.

Please follow the complaints process.

Tell us when your details change

If you change your mobile phone, or you move

address, please tell us so we can keep our records

up to date.

Fraud

We do not tolerate any aspect of fraudulent activity.

We work closely and share data with other insurers,

law enforcement agencies and airtime providers to

identify fraud and support prosecution where the

appropriate evidence exists. Our Fraud Team works

tirelessly to prevent and detect fraud. We, and other

organisations, may access and use the information

recorded by fraud prevention agencies, from both

the UK and from other countries.

Your insurance policy forms part of the beneﬁt

options available to you with Premier Tech Pack,

subject to you being a Qualifying Account holder.

You may choose whether to beneﬁt from this policy

by registering a phone for cover and you may

de-register your phone at any time if you no longer

wish to beneﬁt from this policy. Should you wish

to cancel this insurance policy, you will need to

notify us.

Your insurance will end if your Premier Tech Pack is

closed, or your Qualifying Account is closed or

switched to a non-qualifying account, you fail to

pay the monthly Premier Tech Pack fee or your

permanent residential address is no longer in the

United Kingdom.

The insurance may also be terminated by the

insurer giving you 30 days’ advance notice

in writing.

We may cancel this policy with immediate effect by

registered letter to you at your last known address

in the event of you submitting any fraudulent or

inaccurate information.

Making an enquiry or complaint

We will always try to be fair and reasonable.

If you believe we have not provided you with a

satisfactory level of service, please tell us so that we

can do our best to resolve the problem. The easiest

way to contact us is to call us on 0800 158 3198*.

We will do everything possible to ensure that your

query is dealt with promptly. Alternatively, you

can email

LSG.customerrelationships@lifestylegroup.co.uk

or write to:

Customer Services,

Lifestyle Services Group Limited

PO Box 98

Blyth

NE24 9DL

Please quote your mobile phone number in any

correspondence.

Lifestyle Services Group handle all queries and

complaints on behalf of the insurer.

If you are not happy with our decision you can,

within six months of our ﬁnal decision, refer your

complaint for an independent assessment to:

The Financial Ombudsman Service

Exchange Tower

London E14 9SR

Telephone: 0800 023 4567* / 0300 123 9123

Email:

complaint.info@ﬁnancial-ombudsman.org.uk

Web: ﬁnancial-ombudsman.org.uk

It is important that when applying for insurance,

or submitting a claim you or anyone acting on your

behalf must take reasonable care to answer all

questions honestly and to the best of your

knowledge. Failure to do so may affect the validity

of your policy or the payment of your claim.

If false or inaccurate information is provided and

fraud is identiﬁed then we will:

• Not honour the claim and we will cancel

your policy.

• Report you to the relevant authorities and take

legal action, if necessary, to recover any money

already paid to you under this insurance policy.

• Put the details of the fraudulent claim onto a

information to prevent fraudulent claims. A list

of participants and the name and address of the

operator are available on request.

• Pass the details to fraud prevention agencies.

Law enforcement agencies may access and use

this information. Other organisations may also

access and use this information to prevent fraud

and money laundering, for example, when:

– Checking details on applications for credit and

credit related or other facilities

– Managing credit and credit related accounts

or facilities

– Recovering debt

– Checking details on proposals and claims

for all types of insurance

– Checking details of job applicants and

employees

Please contact us 0800 158 3198* if you want to

receive details of the relevant fraud prevention

agencies.

Price of your insurance

This insurance is provided as a beneﬁt of your

Qualifying Account, which is the Premier Current

Account, Barclays Bank Account or Barclays Basic

Bank Account to which your Premier Tech Pack has

been added, and the cost is included in the

monthly fee you pay for Premier Tech Pack.

Cancelling your insurance

You have a statutory 14 day period in which to

cancel your insurance contract. This period begins

on the date Premier Tech Pack is added to your

Qualifying Account or the date you receive your

policy document, whichever is the later. This period

begins from these dates irrespective of when you

this period and have paid your ﬁrst monthly Premier

Tech Pack fee, it will be refunded. If you cancel at

a later date, you will not be refunded the monthly

Premier Tech Pack fees that you have paid.

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1211

Your insurance policy forms part of the beneﬁt

options available to you with Premier Tech Pack,

subject to you being a Qualifying Account holder.

You may choose whether to beneﬁt from this policy

by registering a phone for cover and you may

de-register your phone at any time if you no longer

wish to beneﬁt from this policy. Should you wish

to cancel this insurance policy, you will need to

notify us.

Your insurance will end if your Premier Tech Pack is

closed, or your Qualifying Account is closed or

switched to a non-qualifying account, you fail to

pay the monthly Premier Tech Pack fee or your

permanent residential address is no longer in the

United Kingdom.

The insurance may also be terminated by the

insurer giving you 30 days’ advance notice

in writing.

We may cancel this policy with immediate effect by

registered letter to you at your last known address

in the event of you submitting any fraudulent or

inaccurate information.

Making an enquiry or complaint

We will always try to be fair and reasonable.

If you believe we have not provided you with a

satisfactory level of service, please tell us so that we

can do our best to resolve the problem. The easiest

way to contact us is to call us on 0800 158 3198*.

We will do everything possible to ensure that your

query is dealt with promptly. Alternatively, you

can email

LSG.customerrelationships@lifestylegroup.co.uk

or write to:

Customer Services,

Lifestyle Services Group Limited

PO Box 98

Blyth

NE24 9DL

Please quote your mobile phone number in any

correspondence.

Lifestyle Services Group handle all queries and

complaints on behalf of the insurer.

If you are not happy with our decision you can,

within six months of our ﬁnal decision, refer your

complaint for an independent assessment to:

The Financial Ombudsman Service

Exchange Tower

London E14 9SR

Telephone: 0800 023 4567* / 0300 123 9123

Email:

complaint.info@ﬁnancial-ombudsman.org.uk

Web: ﬁnancial-ombudsman.org.uk

It is important that when applying for insurance,

or submitting a claim you or anyone acting on your

behalf must take reasonable care to answer all

questions honestly and to the best of your

knowledge. Failure to do so may affect the validity

of your policy or the payment of your claim.

If false or inaccurate information is provided and

fraud is identiﬁed then we will:

• Not honour the claim and we will cancel

your policy.

• Report you to the relevant authorities and take

legal action, if necessary, to recover any money

already paid to you under this insurance policy.

• Put the details of the fraudulent claim onto a

information to prevent fraudulent claims. A list

of participants and the name and address of the

operator are available on request.

• Pass the details to fraud prevention agencies.

Law enforcement agencies may access and use

this information. Other organisations may also

access and use this information to prevent fraud

and money laundering, for example, when:

– Checking details on applications for credit and

credit related or other facilities

– Managing credit and credit related accounts

or facilities

– Recovering debt

– Checking details on proposals and claims

for all types of insurance

– Checking details of job applicants and

employees

Please contact us 0800 158 3198* if you want to

receive details of the relevant fraud prevention

agencies.

Price of your insurance

This insurance is provided as a beneﬁt of your

Qualifying Account, which is the Premier Current

Account, Barclays Bank Account or Barclays Basic

Bank Account to which your Premier Tech Pack has

been added, and the cost is included in the

monthly fee you pay for Premier Tech Pack.

Cancelling your insurance

You have a statutory 14 day period in which to

cancel your insurance contract. This period begins

on the date Premier Tech Pack is added to your

Qualifying Account or the date you receive your

policy document, whichever is the later. This period

begins from these dates irrespective of when you

this period and have paid your ﬁrst monthly Premier

Tech Pack fee, it will be refunded. If you cancel at

a later date, you will not be refunded the monthly

Premier Tech Pack fees that you have paid.

Nothing in these terms, including referral to the

Financial Ombudsman Service, affects your

statutory rights.

Choice of law

English law applies to this policy. It’s written in

English and all communication with you will be

in English.

If we need to change the terms of the

policy

In the unlikely event that the insurer needs to

change the terms, we will give you 30 days’ notice

in writing to your last known address. This will only

be for valid reasons such as to respond

proportionately to changes in the law or decisions

of the Financial Ombudsman Service, to meet

regulatory requirements, industry guidance or

codes of practice, or to proportionately reﬂect other

legitimate cost increases or reductions associated

with providing the cover.

Compensation scheme

Lifestyle Services Group Limited and London

General Insurance Company Limited are covered by

the Financial Services Compensation Scheme. You

may be entitled to compensation from the scheme

if they cannot meet their obligations. General

insurance contracts are covered for 90% of the

entire claim, without any upper limit. You can

obtain more information about the compensation

scheme arrangements by contacting the FSCS on

0207 741 4100 or 0800 678 1100* or by visiting

their website at fscs.org.uk

Status disclosure

This Policy has been arranged and is administered

by Lifestyle Services Group Limited (FRN 315245)

with the insurer: London General Insurance

Company Limited (LGI) (FRN 202689).

London General Insurance Company Limited are

authorised by the Prudential Regulation Authority

and regulated by the Financial Conduct Authority

and the Prudential Regulation Authority. Lifestyle

Services Group Limited is authorised and regulated

by the Financial Conduct Authority. All ﬁrms’

Services Register by visiting the FCA’s website

fca.org.uk/register or by phoning 0800 111 6768*.

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How we handle your personal

information

We are committed to preserving the privacy of our

customers. Please read the following privacy policy

to understand how we will use and protect the

information that you provide to us. By registering

with us, you consent to the collection and use of

your information under the terms of this privacy

policy for the purposes of effecting and

administering this insurance policy. The information

you provide will be used by us to supply you with

the services for which you have registered and we

may use the information to contact you to obtain

your views on our services and to let you know

about important changes to the services which

we offer. The information you provide to us about

you and the mobile phone will be shared with your

bank and the Insurer. In order to prevent fraud

we may share information with other insurers and

fraud prevention agencies where this had been

detected. We may contact you by post, mobile

phone, text, fax, or e-mail. You will only be

contacted by the methods you have asked to be

contacted by. Your information will not be used

or disclosed other than in accordance with this

required by law. If you would prefer us not to

contact you to obtain your views and/or you

change your mind in the future and would like

us to stop contacting you for this purpose,

please write to:

CustomerServices

Lifestyle Services Group Limited

PO Box 98

Blyth

NE24 9DL

The details of mobile phones reported lost or stolen

will be submitted, where applicable, to the IMEI

Database to prevent further use. We may

co-operate with the Police and any other relevant

authorities or organisations in connection with

any misuse or suspected misuse of the services

provided by us or other telecommunications

services provided by any member of our group

of companies. If necessary, we may divulge

information about you for this purpose. You have

a right to ask for a copy of the data held about you

and you may ask us to make any necessary

changes to ensure that it is accurate and kept up

to date. If you wish to do this, please contact the

Customer Helpline on 0800 158 3198* selecting

the Mobile Phone Insurance option. We are entitled

by law to charge you a fee of £10.00 to meet our

costs in providing you with details of the

Policy Summary

Welcome to Gadget Cover. This gadget cover

policy is available as part of the Premier Tech

Pack, subject to you having a Qualifying

Account. The Qualifying Account is the Premier

Current Account, Barclays Bank Account or

Barclays Basic Bank Account to which your

Premier Tech Pack has been added. Under this

insurance policy we will repair or replace your

gadget(s) in the circumstances summarised

below. These are explained in full detail in the

Insurance Policy Document.

To take advantage of this gadget cover you will

need to register the gadget(s) you wish to cover

with Lifestyle Services Group who administer

this policy.

We want you to get the most out of this policy,

and that means you need to be clear on what is

and isn’t covered. The Insurance Summary and

Policy Documents provide details of the

insurance policy, which you must read to ensure

that the policy meets your needs. Full terms of

the policy can be found in the Policy Document.

You may need to review this policy periodically

to ensure it continues to meet your requirements.

How to register

You can do this easily and at any time by logging

on to our website at any time via

barclays.lifestylegroup.co.uk

call the customer Helpline on 0800 158 3198*,

selecting the gadget cover option. Telephone lines

are open 8am to 8pm Monday to Friday and 9am

to 6pm Saturday and Sunday; or

through our mobile app, which can be found

through iTunes or Google Play, called Barclays

Mobile and Gadget Cover

You will need to provide the following

information

• Your name and address

• Your email address

• The make, model and serial number of the

gadget(s)

• Your qualifying sort code and account number

• The purchase date and price of the gadgets

• Proof of purchase

information we hold about you. We employ security

measures to protect your information from access

by unauthorised persons and against unlawful use,

accidental loss, destruction and damage. We will

retain your information for a reasonable period or

as long as the law requires. Any changes to our

appropriate way. All comments, queries and

requests relating to our use of your information

are welcomed and should be addressed as

speciﬁed above.

If we transfer your information to a person, ofﬁce,

branch, organisation, service provider or agent in

another country, we will make sure that they agree

to apply the same levels of protection as we are

required to apply to information held in the UK and

to use your information only for the purposes that

we have permitted. You conﬁrm that you consent

to transfers of your data outside the EEA for the

purposes described in this policy.

Gadget Cover Insurance

BAR_9912279LP_UK.indd 14 12/12/2017 13:08

1413

Policy Summary

Welcome to Gadget Cover. This gadget cover

policy is available as part of the Premier Tech

Pack, subject to you having a Qualifying

Account. The Qualifying Account is the Premier

Current Account, Barclays Bank Account or

Barclays Basic Bank Account to which your

Premier Tech Pack has been added. Under this

insurance policy we will repair or replace your

gadget(s) in the circumstances summarised

below. These are explained in full detail in the

Insurance Policy Document.

To take advantage of this gadget cover you will

need to register the gadget(s) you wish to cover

with Lifestyle Services Group who administer

this policy.

We want you to get the most out of this policy,

and that means you need to be clear on what is

and isn’t covered. The Insurance Summary and

Policy Documents provide details of the

insurance policy, which you must read to ensure

that the policy meets your needs. Full terms of

the policy can be found in the Policy Document.

You may need to review this policy periodically

to ensure it continues to meet your requirements.

How to register

You can do this easily and at any time by logging

on to our website at any time via

barclays.lifestylegroup.co.uk

call the customer Helpline on 0800 158 3198*,

selecting the gadget cover option. Telephone lines

are open 8am to 8pm Monday to Friday and 9am

to 6pm Saturday and Sunday; or

through our mobile app, which can be found

through iTunes or Google Play, called Barclays

Mobile and Gadget Cover

You will need to provide the following

information

• Your name and address

• Your email address

• The make, model and serial number of the

gadget(s)

• Your qualifying sort code and account number

• The purchase date and price of the gadgets

• Proof of purchase

information we hold about you. We employ security

measures to protect your information from access

by unauthorised persons and against unlawful use,

accidental loss, destruction and damage. We will

retain your information for a reasonable period or

as long as the law requires. Any changes to our

appropriate way. All comments, queries and

requests relating to our use of your information

are welcomed and should be addressed as

speciﬁed above.

If we transfer your information to a person, ofﬁce,

branch, organisation, service provider or agent in

another country, we will make sure that they agree

to apply the same levels of protection as we are

required to apply to information held in the UK and

to use your information only for the purposes that

we have permitted. You conﬁrm that you consent

to transfers of your data outside the EEA for the

purposes described in this policy.

What are you covered for

• Gadgets up to a combined

original retail value of £1,000

including VAT. Each gadget

must have a minimum original retail value of

£50 including VAT, and must be no more than

two years old (from original purchase date of

the device when new) at the point of

registration and no more than ﬁve years old

at any point during the period of cover.

The gadget(s) must be owned by you

or be your responsibility.

• Replacing or repairing your gadget in the

event of:

– theft

– damage

– breakdown (including faults)

• Worldwide cover. Repair or replacement of the

gadget(s) or a cash settlement will be arranged

upon your return to the UK

• Accessories up to a maximum value of £50

(including VAT) per claim, including replacement

of accessories incompatible with a gadget as a

result of a valid claim

• Up to two claims in a 12 month period per

account holder

What you are NOT covered for

• Loss of the gadget(s) and accessories under

any circumstance

• Any gadget which is not registered with us

• You need to pay an amount every time you make

a successful claim. This is the excess and is:

• £50 for laptops and tablets or

• £25 for all other gadgets

Your excess is payable for every accepted claim

and must be paid before your claim will be

settled

• More than two instances that give rise to an

accepted claim in any 12 month period per

account holder.

A full description is in the “What you are NOT

covered for” section of the Policy Document

• Theft, damage or breakdown where you have

knowingly put your gadget at risk or you have

not taken care of it. Examples are provided in

the “What you are NOT covered for” section of

the Policy Document, which you should read to

help you understand the cover

Gadget Cover Insurance

BAR_9912279LP_UK.indd 15 12/12/2017 13:08

Duration of this policy

Your Policy will remain in place until it is either

cancelled by you, or if your Premier Tech Pack is

closed, or your Qualifying Account is closed or

switched to a non-qualifying account, you fail to

pay the monthly Premier Tech Pack fee or your

permanent residential address is no longer in the

United Kingdom.

Cancelling your insurance

You have a statutory 14 day period in which to

cancel your insurance contract. This period begins

on the date Premier Tech Pack is added to your

Qualifying Account or the date you receive your

policy document, whichever is the later. This period

begins from these dates irrespective of when you

this period and have paid your ﬁrst monthly Premier

Tech Pack fee, it will be refunded. If you cancel at

a later date, you will not be refunded the monthly

Premier Tech Pack fees that you have paid.

Your insurance policy forms part of the beneﬁt

options available to you with Premier Tech Pack,

subject to you being a Qualifying Account holder.

You may choose whether to beneﬁt from this policy

by registering a gadget for cover and you may

de-register your gadget at any time if you no longer

wish to beneﬁt from this policy. Should you wish

to cancel this policy, you will need to notify us.

Your insurance will end if your Premier Tech Pack

is closed, or your Qualifying Account is closed or

switched to a non-qualifying account, you fail to

pay the monthly Premier Tech Pack fee or your

permanent residential address is no longer in the

United Kingdom.

If you need to claim

• You should tell us about your claim as soon as

possible and within 28 days of becoming aware

of the theft, damage, or breakdown, and inform

the Police in the case of theft.

• You may need to send us proof that the gadget

is yours which should include the details of the

gadget and/or accessories including the serial

number where applicable (such as a receipt or

delivery note).

• We may ask for details and evidence on the

steps you have taken to report the gadget

missing and any attempts to recover it.

• You can make a claim at

barclays.lifestylegroup.co.uk or by calling

0800 158 3198*.

Got a question? Need to make

a complaint?

We want to make sure you’re happy.

Should you need to talk to us, contact us at

LSG.customerrelations@lifestylegroup.co.uk or

call 0800 158 3198*. If after making a complaint

you are still unhappy, you may contact the Financial

Ombudsman Service.

Need another copy?

This document is also available in large print,

audio and Braille, so get in touch with us on

0800 158 3198* if you’d like to request a copy in

one of these formats. The same applies if you just

need a replacement.

Status Disclosure

This Policy has been arranged as part of your

Premier Tech Pack and is administered by Lifestyle

Services Group Limited (Financial Services Register

No. 315245) with a single insurer, London General

Insurance Company Limited (LGI) (Financial

Services Register No. 202689).

London General Insurance Company Limited is

authorised by the Prudential Regulation Authority

and regulated by the Financial Conduct Authority

and the Prudential Regulation Authority. Lifestyle

Services Group Limited is authorised and regulated

by the Financial Conduct Authority. All ﬁrms’

Services Register by visiting the FCA’s website

fca.org.uk/register or by phoning

0800 111 6768*.

Gadget Cover Insurance Policy

This is your Gadget Cover insurance policy, in this

document you will ﬁnd everything you need to

know. Please read this carefully to make sure this

policy is right for you. If you have any questions

then visit barclays.lifestylegroup.co.uk or call us

on 0800 158 3198*. This policy constitutes an

agreement between you and the insurer, London

General Insurance Company Limited. The insurer

has appointed Lifestyle Services Group to

administer the policy. References to ’we/us/our’

relates to London General Insurance Company and

Lifestyle Services Group.

Who is this cover suitable for?

Summary Description

For many of us, gadgets are playing more

of a role in our everyday lives and it is

important to us that we ensure that we

can continue to use these as frequently

as we do.

This policy is suitable if you have any gadget(s) that is not

already covered under an insurance policy and you want

to cover the cost of repairing or replacing your gadget(s)

against theft, damage and breakdown (subject to an

excess payment for every accepted claim).

The term gadget applies to the following:

Digital cameras, laptops, tablets, netbooks, smartwatches,

portable DVD players, mp3/mp4players, camcorders and

satellite navigation systems

It does not apply to:

Televisions, monitors, mobile phones/telephones,

fax machines, modems and karaoke machines.

Please contact us if you are unsure as to whether your

gadget(s) can be covered.

It is important to note that gadget insurance

is offered on the understanding that you will

take care of your gadget(s).

Having insurance does not mean that you can take risks

with your gadget(s) which you would not take if your

gadget(s) was not insured, as doing so may result in your

claim being declined. Further details can be found in the

section ’What you are NOT covered for’

We do understand that every claim can be quite different and we will make every effort to take this into

consideration when we review a claim.

The cover you receive

Risks you are covered for Beneﬁts you receive

The gadget(s) that you have registered

with us.

In order to beneﬁt from the insurance cover detailed below

you must register the gadget(s) with us ﬁrst.

You can do this easily and at any time by logging in to our

website: barclays.lifestylegroup.co.uk or call the

customer helpline on 0800 158 3198* selecting the

gadget cover option.

Monday to Friday 8am to 8pm

Saturday and Sunday 9am to 6pm; or

through our mobile app, which can be found through

iTunes or Google Play, called Barclays Mobile and

Gadget Cover

You will need to provide the following information

• Your name and address

• Your email address

• The make, model and serial number of the gadget(s)

• Your qualifying sort code and account number and

• The purchase date and price of the gadget(s)

• Proof of purchase

BAR_9912279LP_UK.indd 16 12/12/2017 13:08

1615

Got a question? Need to make

a complaint?

We want to make sure you’re happy.

Should you need to talk to us, contact us at

LSG.customerrelations@lifestylegroup.co.uk or

call 0800 158 3198*. If after making a complaint

you are still unhappy, you may contact the Financial

Ombudsman Service.

Need another copy?

This document is also available in large print,

audio and Braille, so get in touch with us on

0800 158 3198* if you’d like to request a copy in

one of these formats. The same applies if you just

need a replacement.

Status Disclosure

This Policy has been arranged as part of your

Premier Tech Pack and is administered by Lifestyle

Services Group Limited (Financial Services Register

No. 315245) with a single insurer, London General

Insurance Company Limited (LGI) (Financial

Services Register No. 202689).

London General Insurance Company Limited is

authorised by the Prudential Regulation Authority

and regulated by the Financial Conduct Authority

and the Prudential Regulation Authority. Lifestyle

Services Group Limited is authorised and regulated

by the Financial Conduct Authority. All ﬁrms’

Services Register by visiting the FCA’s website

fca.org.uk/register or by phoning

0800 111 6768*.

Gadget Cover Insurance Policy

This is your Gadget Cover insurance policy, in this

document you will ﬁnd everything you need to

know. Please read this carefully to make sure this

policy is right for you. If you have any questions

then visit barclays.lifestylegroup.co.uk or call us

on 0800 158 3198*. This policy constitutes an

agreement between you and the insurer, London

General Insurance Company Limited. The insurer

has appointed Lifestyle Services Group to

administer the policy. References to ’we/us/our’

relates to London General Insurance Company and

Lifestyle Services Group.

Who is this cover suitable for?

Summary Description

For many of us, gadgets are playing more

of a role in our everyday lives and it is

important to us that we ensure that we

can continue to use these as frequently

as we do.

This policy is suitable if you have any gadget(s) that is not

already covered under an insurance policy and you want

to cover the cost of repairing or replacing your gadget(s)

against theft, damage and breakdown (subject to an

excess payment for every accepted claim).

The term gadget applies to the following:

Digital cameras, laptops, tablets, netbooks, smartwatches,

portable DVD players, mp3/mp4players, camcorders and

satellite navigation systems

It does not apply to:

Televisions, monitors, mobile phones/telephones,

fax machines, modems and karaoke machines.

Please contact us if you are unsure as to whether your

gadget(s) can be covered.

It is important to note that gadget insurance

is offered on the understanding that you will

take care of your gadget(s).

Having insurance does not mean that you can take risks

with your gadget(s) which you would not take if your

gadget(s) was not insured, as doing so may result in your

claim being declined. Further details can be found in the

section ’What you are NOT covered for’

We do understand that every claim can be quite different and we will make every effort to take this into

consideration when we review a claim.

The cover you receive

Risks you are covered for Beneﬁts you receive

The gadget(s) that you have registered

with us.

In order to beneﬁt from the insurance cover detailed below

you must register the gadget(s) with us ﬁrst.

You can do this easily and at any time by logging in to our

website: barclays.lifestylegroup.co.uk or call the

customer helpline on 0800 158 3198* selecting the

gadget cover option.

Monday to Friday 8am to 8pm

Saturday and Sunday 9am to 6pm; or

through our mobile app, which can be found through

iTunes or Google Play, called Barclays Mobile and

Gadget Cover

You will need to provide the following information

• Your name and address

• Your email address

• The make, model and serial number of the gadget(s)

• Your qualifying sort code and account number and

• The purchase date and price of the gadget(s)

• Proof of purchase

BAR_9912279LP_UK.indd 17 12/12/2017 13:08

Your gadget(s) is covered against:

• Theft

• Damage

• Breakdown(including faults)

Gadgets up to a combined original retail value of £1,000

including VAT. Each gadget must have a minimum retail

value of £50 including VAT and must be no more than

two years old at the point of registration and no more than

ﬁve years old at point of claim

• If your gadget is damaged or breaks down we will

either:

(1) repair the gadget (where possible)

(2) replace it with a gadget of the same make and

model. If we cannot do this you will be given a

choice of models with an equivalent speciﬁcation.

• If your gadget is stolen we will replace it with a gadget

of the same make and model, if we cannot do this you

will be given a choice of models with an equivalent

speciﬁcation.

• Where we replace the gadget the replacement may

be a remanufactured (not brand new) device.

• Where we send you a replacement or repaired item,

this will only be sent to a UK address

• In the event we are unable to provide a replacement

we will provide a cash settlement based upon the

current market value.

If any accessories for your gadget(s) are

stolen or damaged at the same time as your

gadget you are covered for these up to a

value of £50.

If your accessories are stolen or damaged at the same

time as your gadgets, or we have replaced the gadget

as a result of a claim where the accessories are no longer

compatible, we will replace them with accessories of a

similar speciﬁcation or provide a cash settlement based

on current market value.

What are you are NOT covered for

Summary Description

Loss

This policy does not cover the loss of your gadget(s)

or accessories under any circumstances

Excess

You need to pay an amount every time you make a

successful claim, this is the excess and is:

£50 for laptops and tablets

£25 for all other gadgets

Your excess is payable for every accepted claim and

must be paid before your claim will be settled.

Theft, damage or breakdown as a result

of not taking care of your gadget(s)

We know how important your gadget(s) is to you and

we expect that you will take care of your gadget(s).

If you don’t take care of your gadget(s) then we may

not pay your claim.

Taking care of your gadget(s) means:

– Not knowingly leaving your gadget(s) somewhere

it is likely to be stolen or damaged.

– If you need to leave your gadget(s) somewhere then

we expect you to lock it away out of sight if at all

possible. If you cannot lock it away then you must

leave it with someone you trust or concealed out

of sight in a safe place.

If you knowingly leave your gadget(s) where others can

see it but you cannot and your gadget(s) is then stolen we

may not pay your claim.

Theft, damage or breakdown as a result

of not taking care of your gadget(s)

We will always take into account where you are and what

you are doing when we assess whether you have taken

care of your gadget(s). If we believe you have not taken

care of your gadget(s), and have knowingly taken a risk

with it, we may decline your claim.

For example if you knowingly do any of the below we may

decline your claim for not taking care of your gadget(s):

– leaving your gadget(s) somewhere you can’t see it but

others can

– leaving your gadget(s) on display in your car

– leaving your gadget(s) in the care of someone you

don’t know well

– if you are at the gym and you leave your gadget(s)

on a bench in the changing rooms rather than taking

it with you or locking it in a locker

– in a cafe or pub you leave your gadget(s) on the table

when you go to pick up your drink instead of taking

it with you

– intentionally damaging your gadget(s)

All of these examples increase the risk of it being stolen

or damaged and may result in your claim being declined.

The examples are to help you understand what’s covered,

and are not the only reasons a claim could be rejected.

Cosmetic damage We only cover damage if it stops the normal functioning

of your gadget(s). If it is just a scratch or dent, and your

gadget still works as expected, then we will not repair

or replace it.

We know scratches and scrapes to your gadget(s) aren’t

nice but we are here to ﬁx your gadget(s) when it isn’t

working, so if it still functions as you would expect then

we can’t help. For example, a scratched screen on a tablet

would not be covered but a cracked screen would be

covered.

BAR_9912279LP_UK.indd 18 12/12/2017 13:08

1817

Your gadget(s) is covered against:

• Theft

• Damage

• Breakdown(including faults)

Gadgets up to a combined original retail value of £1,000

including VAT. Each gadget must have a minimum retail

value of £50 including VAT and must be no more than

two years old at the point of registration and no more than

ﬁve years old at point of claim

• If your gadget is damaged or breaks down we will

either:

(1) repair the gadget (where possible)

(2) replace it with a gadget of the same make and

model. If we cannot do this you will be given a

choice of models with an equivalent speciﬁcation.

• If your gadget is stolen we will replace it with a gadget

of the same make and model, if we cannot do this you

will be given a choice of models with an equivalent

speciﬁcation.

• Where we replace the gadget the replacement may

be a remanufactured (not brand new) device.

• Where we send you a replacement or repaired item,

this will only be sent to a UK address

• In the event we are unable to provide a replacement

we will provide a cash settlement based upon the

current market value.

If any accessories for your gadget(s) are

stolen or damaged at the same time as your

gadget you are covered for these up to a

value of £50.

If your accessories are stolen or damaged at the same

time as your gadgets, or we have replaced the gadget

as a result of a claim where the accessories are no longer

compatible, we will replace them with accessories of a

similar speciﬁcation or provide a cash settlement based

on current market value.

What are you are NOT covered for

Summary Description

Loss

This policy does not cover the loss of your gadget(s)

or accessories under any circumstances

Excess

You need to pay an amount every time you make a

successful claim, this is the excess and is:

£50 for laptops and tablets

£25 for all other gadgets

Your excess is payable for every accepted claim and

must be paid before your claim will be settled.

Theft, damage or breakdown as a result

of not taking care of your gadget(s)

We know how important your gadget(s) is to you and

we expect that you will take care of your gadget(s).

If you don’t take care of your gadget(s) then we may

not pay your claim.

Taking care of your gadget(s) means:

– Not knowingly leaving your gadget(s) somewhere

it is likely to be stolen or damaged.

– If you need to leave your gadget(s) somewhere then

we expect you to lock it away out of sight if at all

possible. If you cannot lock it away then you must

leave it with someone you trust or concealed out

of sight in a safe place.

If you knowingly leave your gadget(s) where others can

see it but you cannot and your gadget(s) is then stolen we

may not pay your claim.

Theft, damage or breakdown as a result

of not taking care of your gadget(s)

We will always take into account where you are and what

you are doing when we assess whether you have taken

care of your gadget(s). If we believe you have not taken

care of your gadget(s), and have knowingly taken a risk

with it, we may decline your claim.

For example if you knowingly do any of the below we may

decline your claim for not taking care of your gadget(s):

– leaving your gadget(s) somewhere you can’t see it but

others can

– leaving your gadget(s) on display in your car

– leaving your gadget(s) in the care of someone you

don’t know well

– if you are at the gym and you leave your gadget(s)

on a bench in the changing rooms rather than taking

it with you or locking it in a locker

– in a cafe or pub you leave your gadget(s) on the table

when you go to pick up your drink instead of taking

it with you

– intentionally damaging your gadget(s)

All of these examples increase the risk of it being stolen

or damaged and may result in your claim being declined.

The examples are to help you understand what’s covered,

and are not the only reasons a claim could be rejected.

Cosmetic damage We only cover damage if it stops the normal functioning

of your gadget(s). If it is just a scratch or dent, and your

gadget still works as expected, then we will not repair

or replace it.

We know scratches and scrapes to your gadget(s) aren’t

nice but we are here to ﬁx your gadget(s) when it isn’t

working, so if it still functions as you would expect then

we can’t help. For example, a scratched screen on a tablet

would not be covered but a cracked screen would be

covered.

BAR_9912279LP_UK.indd 19 12/12/2017 13:08

Contents of your gadget We only cover the gadget(s), we don’t cover the contents.

This means that any pictures, software, downloads, apps,

music or any other content is not covered by this policy

so make sure you back it up regularly.

Keeping a back-up of all of the data that you store on your

gadget(s) is highly recommended in order that these are

not irretrievably lost in the event of damage, breakdown

or theft.

More than 2 accepted claims in any

12 months per account holder

We insure your gadget(s) for up to two accepted claims

in any 12 month period per account holder. If you make

two accepted claims in any 12 month period your

insurance will continue but you will not be able to make

claims for any further incidents that happen before the

anniversary of the ﬁrst claim.

For example if you make a claim on 1st January and

another on 1st May you will not be able to make any

further claims against this policy for incidents that happen

prior to 1st January of the following year.

Other losses Any cost or losses that can’t be resolved by the repair

or replacement of your gadget(s)

We don’t cover any loss or proﬁt, opportunity, goodwill or

similar losses. We just cover the gadget(s) and accessories.

Any device that is not a gadget This policy is only for gadget(s). This means we only

cover portable electronic devices that contain their

own power source whose main function is designed

to support multimedia applications or obtaining

multimedia content.

e.g. we don’t cover things such as televisions, monitors,

mobile phones, fax machines, modems.

If you aren’t sure whether your gadget(s) would or would

not be covered then contact us so we can let you know

Actions you will need to take on theft, breakdown or damage to your

mobile phone

Summary Description

If your gadget(s) is stolen report it to the

Police

Tell the Police about any stolen gadget(s) as soon as

you can. We will ask you to provide the Police reference

number before we will pay any claim for theft.

Report your claim to us as soon as you can

but within 28 days

Tell us about a claim as soon as you can. We expect you

to tell us about any claim as soon as possible and within

28 days of discovery of the theft, breakdown or damage.

If you don’t do this we will still consider your claim;

however, it makes it difﬁcult for us to investigate your

claim, recover your gadget if it is stolen or stop any

further damage to your gadget.

You can log your claim online or by telephone, it is

really simple.

Proof of ownership We need to know that the gadget(s) you are claiming

for is yours. Therefore you may need to provide some

form of proof of ownership.

You may need to be able to tell us the make and model

of your gadget(s). We may ask to see something that tells

us that the item(s) you are claiming for belongs to you

and conﬁrms the make, model, and serial number of

your gadget(s).

Proof of ownership could include a till receipt or delivery

note from the place it was purchased. If you don’t have

any proof of ownership we may decline your claim.

How to make a claim

Summary Description

Step One:

Please make sure you have read the “Actions you will need

to take on theft, breakdown or damage to your gadget”

section as this tells you what we may need from you in

order to settle your claim

Step Two:

You should tell us about your claim as soon as you can,

and within 28 days of discovering the incident. You can do

this by contacting us at barclays.lifestylegroup.co.uk or

by calling 0800 158 3198*

Step Three:

We will walk you through the simple claims process and

tell you what information you will need to provide for

us to assess your claim

Step Four:

You will need to pay your excess for every accepted claim.

Your excess can be paid by Visa, MasterCard and debit

cards (We do not accept American Express cards)

Step Five:

We will either repair your gadget or send you a

replacement, your replacement gadget will automatically

be covered unless you ask for it not to be covered

BAR_9912279LP_UK.indd 20 12/12/2017 13:08

2019

Contents of your gadget We only cover the gadget(s), we don’t cover the contents.

This means that any pictures, software, downloads, apps,

music or any other content is not covered by this policy

so make sure you back it up regularly.

Keeping a back-up of all of the data that you store on your

gadget(s) is highly recommended in order that these are

not irretrievably lost in the event of damage, breakdown

or theft.

More than 2 accepted claims in any

12 months per account holder

We insure your gadget(s) for up to two accepted claims

in any 12 month period per account holder. If you make

two accepted claims in any 12 month period your

insurance will continue but you will not be able to make

claims for any further incidents that happen before the

anniversary of the ﬁrst claim.

For example if you make a claim on 1st January and

another on 1st May you will not be able to make any

further claims against this policy for incidents that happen

prior to 1st January of the following year.

Other losses Any cost or losses that can’t be resolved by the repair

or replacement of your gadget(s)

We don’t cover any loss or proﬁt, opportunity, goodwill or

similar losses. We just cover the gadget(s) and accessories.

Any device that is not a gadget This policy is only for gadget(s). This means we only

cover portable electronic devices that contain their

own power source whose main function is designed

to support multimedia applications or obtaining

multimedia content.

e.g. we don’t cover things such as televisions, monitors,

mobile phones, fax machines, modems.

If you aren’t sure whether your gadget(s) would or would

not be covered then contact us so we can let you know

Actions you will need to take on theft, breakdown or damage to your

mobile phone

Summary Description

If your gadget(s) is stolen report it to the

Police

Tell the Police about any stolen gadget(s) as soon as

you can. We will ask you to provide the Police reference

number before we will pay any claim for theft.

Report your claim to us as soon as you can

but within 28 days

Tell us about a claim as soon as you can. We expect you

to tell us about any claim as soon as possible and within

28 days of discovery of the theft, breakdown or damage.

If you don’t do this we will still consider your claim;

however, it makes it difﬁcult for us to investigate your

claim, recover your gadget if it is stolen or stop any

further damage to your gadget.

You can log your claim online or by telephone, it is

really simple.

Proof of ownership We need to know that the gadget(s) you are claiming

for is yours. Therefore you may need to provide some

form of proof of ownership.

You may need to be able to tell us the make and model

of your gadget(s). We may ask to see something that tells

us that the item(s) you are claiming for belongs to you

and conﬁrms the make, model, and serial number of

your gadget(s).

Proof of ownership could include a till receipt or delivery

note from the place it was purchased. If you don’t have

any proof of ownership we may decline your claim.

How to make a claim

Summary Description

Step One:

Please make sure you have read the “Actions you will need

to take on theft, breakdown or damage to your gadget”

section as this tells you what we may need from you in

order to settle your claim

Step Two:

You should tell us about your claim as soon as you can,

and within 28 days of discovering the incident. You can do

this by contacting us at barclays.lifestylegroup.co.uk or

by calling 0800 158 3198*

Step Three:

We will walk you through the simple claims process and

tell you what information you will need to provide for

us to assess your claim

Step Four:

You will need to pay your excess for every accepted claim.

Your excess can be paid by Visa, MasterCard and debit

cards (We do not accept American Express cards)

Step Five:

We will either repair your gadget or send you a

replacement, your replacement gadget will automatically

be covered unless you ask for it not to be covered

BAR_9912279LP_UK.indd 21 12/12/2017 13:08

What you need to know about the

claims process

• If we are unable to replace your gadget with

the same make and model of an equivalent

speciﬁcation, we will contact you to discuss

an alternative claim settlement.

• If any lost, stolen or damaged items are

recovered after the claim is approved, they shall

become the property of the insurer and must be

returned to us immediately. Damaged gadget(s)

and accessories, parts and materials replaced by

us shall become the property of the insurer.

• Lifestyle Services Group handle all claims on

behalf of the insurer

What if your claim is rejected?

If you’re not happy with the claims decision, we

want to hear from you as soon as possible. Please

follow the complaints process.

Tell us when your details change

If you change your mobile phone number or you

move address, please tell us so we can keep our

records up to date.

Fraud

We do not tolerate any aspect of fraudulent activity.

We work closely and share data with other insurers,

law enforcement agencies and airtime providers to

identify fraud and support prosecution where the

appropriate evidence exists. Our Fraud Team works

tirelessly to prevent and detect fraud. We, and other

organisations, may access and use the information

recorded by fraud prevention agencies, from both

the UK and from other countries.

It is important that when applying for insurance, or

submitting a claim you or anyone acting on your

behalf must take reasonable care to answer all

questions honestly and to the best of your

knowledge. Failure to do so may affect the validity

of your policy or the payment of your claim.

If false or inaccurate information is provided and

fraud is identiﬁed then we will

• Not honour the claim and we will cancel your

policy. If an excess has been paid this will not be

returned. This is not a penalty, this is to

cover administration costs

• Report you to the relevant authorities and take

legal action, if necessary, to recover any money

already paid to you under this insurance policy

• Pass the details onto your bank or our

distribution partner providing this service as

part of a wider offering

• Put the details of the fraudulent claim onto a

The insurance may also be terminated by the

insurer giving you 30 days advance notice in

writing.

We may cancel this policy with immediate effect by

registered letter to you at your last known address

in the event of you submitting any fraudulent

or inaccurate information.

Making an enquiry or complaint

We will always try to be fair and reasonable.

If you believe we have not provided you with a

satisfactory level of service, please tell us so that we

can do our best to resolve the problem. The easiest

way to contact us is to call us on 0800 158 3198*.

We will do everything possible to ensure that your

query is dealt with promptly. Alternatively, you

can email

LSG.customerrelations@lifestylegroup.co.uk

or write to:

Customer Services,

Lifestyle Services Group Limited

PO Box 98

Blyth

NE24 9DL

Please quote your mobile phone number in any

correspondence.

Lifestyle Services Group handle all queries and

complaints on behalf of the insurer.

If you are not happy with our decision you can,

within six months of our ﬁnal decision, refer your

complaint for an independent assessment to:

The Financial Ombudsman Service

Exchange Tower

London E14 9SR

Telephone: 0800 023 4567* / 0300 123 9123

Email:

complaint.info@ﬁnancial-ombudsman.org.uk

Web: ﬁnancial-ombudsman.org.uk

Nothing in these terms, including referral to the

Financial Ombudsman Service, affects your

statutory rights.

Choice of law

English law applies to this policy. It’s written in

English and all communication with you will

be in English.

If we need to change the terms of the

policy

In the event that the insurer needs to change the

terms, we will give you 30 days’ notice in writing to

your last known address. This will only be for valid

reasons such as to respond proportionately to

information to prevent fraudulent claims. A list

of participants and the name and address of the

operator are available on request

• Pass the details to fraud prevention agencies.

Law enforcement agencies may access and use

this information. Other organisations may also

access and use this information to prevent fraud

and money laundering. For example, when:

– Checking details on applications for credit

and credit related accounts or facilities

– Managing credit and credit related

accounts or facilities

– Recovering debt

– Checking details on proposals and claims

for all types of insurance

– Checking details of job applicants and

employees

Please contact us at 0800 158 3198* if you want

to receive details of the relevant fraud prevention

agencies.

Price of your insurance

This insurance is provided as a beneﬁt of your

Qualifying Account, which is the Premier Current

Account, Barclays Bank Account or Barclays Basic

Current Account to which your Premier Tech Pack

has been added, and the cost is included in the

monthly fee you pay for Premier Tech Pack.

Cancelling your insurance

You have a statutory 14 day period in which to

cancel your insurance contract. This period begins

on the date Premier Tech Pack is added to your

Qualifying Account or the date you receive your

policy document, whichever is the later. This period

begins from these dates irrespective of when you

this period and have paid your ﬁrst monthly Premier

Tech Pack fee, it will be refunded. If you cancel at a

later date, you will not be refunded the monthly

Premier Tech Pack fees that you have paid. Your

insurance policy forms part of the beneﬁt options

available to you with Premier Tech Pack, subject to

you being a Qualifying Account holder. You may

choose whether to beneﬁt from this policy by

registering a gadget for cover and you may

de-register your gadget at any time if you no longer

wish to beneﬁt from this policy. Should you wish to

cancel this policy, you will need to notify us.

Your insurance will end if your Premier Tech Pack is

closed, or your Qualifying Account is closed or

switched to a non-qualifying account, you fail to

pay the monthly Premier Tech Pack fee or your

permanent residential address is no longer in the

United Kingdom.

BAR_9912279LP_UK.indd 22 12/12/2017 13:08

2221

The insurance may also be terminated by the

insurer giving you 30 days advance notice in

writing.

We may cancel this policy with immediate effect by

registered letter to you at your last known address

in the event of you submitting any fraudulent

or inaccurate information.

Making an enquiry or complaint

We will always try to be fair and reasonable.

If you believe we have not provided you with a

satisfactory level of service, please tell us so that we

can do our best to resolve the problem. The easiest

way to contact us is to call us on 0800 158 3198*.

We will do everything possible to ensure that your

query is dealt with promptly. Alternatively, you

can email

LSG.customerrelations@lifestylegroup.co.uk

or write to:

Customer Services,

Lifestyle Services Group Limited

PO Box 98

Blyth

NE24 9DL

Please quote your mobile phone number in any

correspondence.

Lifestyle Services Group handle all queries and

complaints on behalf of the insurer.

If you are not happy with our decision you can,

within six months of our ﬁnal decision, refer your

complaint for an independent assessment to:

The Financial Ombudsman Service

Exchange Tower

London E14 9SR

Telephone: 0800 023 4567* / 0300 123 9123

Email:

complaint.info@ﬁnancial-ombudsman.org.uk

Web: ﬁnancial-ombudsman.org.uk

Nothing in these terms, including referral to the

Financial Ombudsman Service, affects your

statutory rights.

Choice of law

English law applies to this policy. It’s written in

English and all communication with you will

be in English.

If we need to change the terms of the

policy

In the event that the insurer needs to change the

terms, we will give you 30 days’ notice in writing to

your last known address. This will only be for valid

reasons such as to respond proportionately to

information to prevent fraudulent claims. A list

of participants and the name and address of the

operator are available on request

• Pass the details to fraud prevention agencies.

Law enforcement agencies may access and use

this information. Other organisations may also

access and use this information to prevent fraud

and money laundering. For example, when:

– Checking details on applications for credit

and credit related accounts or facilities

– Managing credit and credit related

accounts or facilities

– Recovering debt

– Checking details on proposals and claims

for all types of insurance

– Checking details of job applicants and

employees

Please contact us at 0800 158 3198* if you want

to receive details of the relevant fraud prevention

agencies.

Price of your insurance

This insurance is provided as a beneﬁt of your

Qualifying Account, which is the Premier Current

Account, Barclays Bank Account or Barclays Basic

Current Account to which your Premier Tech Pack

has been added, and the cost is included in the

monthly fee you pay for Premier Tech Pack.

Cancelling your insurance

You have a statutory 14 day period in which to

cancel your insurance contract. This period begins

on the date Premier Tech Pack is added to your

Qualifying Account or the date you receive your

policy document, whichever is the later. This period

begins from these dates irrespective of when you

this period and have paid your ﬁrst monthly Premier

Tech Pack fee, it will be refunded. If you cancel at a

later date, you will not be refunded the monthly

Premier Tech Pack fees that you have paid. Your

insurance policy forms part of the beneﬁt options

available to you with Premier Tech Pack, subject to

you being a Qualifying Account holder. You may

choose whether to beneﬁt from this policy by

registering a gadget for cover and you may

de-register your gadget at any time if you no longer

wish to beneﬁt from this policy. Should you wish to

cancel this policy, you will need to notify us.

Your insurance will end if your Premier Tech Pack is

closed, or your Qualifying Account is closed or

switched to a non-qualifying account, you fail to

pay the monthly Premier Tech Pack fee or your

permanent residential address is no longer in the

United Kingdom.

changes in the law or decisions of the Financial

Ombudsman Service, to meet regulatory

requirements, industry guidance or codes of

practice, or to proportionately reﬂect other

legitimate cost increases or reductions associated

with providing the cover.

Compensation scheme

Lifestyle Services Group Limited and London

General Insurance Company Limited are covered

by the Financial Services Compensation Scheme.

You may be entitled to compensation from the

scheme if they cannot meet their obligations.

General insurance contracts are covered for 90%

of the entire claim, without any upper limit. You can

obtain more information about the compensation

scheme arrangements by contacting the FSCS on

0207 741 4100 or 0800 678 1100* or by visiting

their website at fscs.org.uk

Status disclosure

This Policy has been arranged and is administered

by Lifestyle Services Group Limited (Financial

Services Register No. 315245)with the insurer:

London General Insurance Company Limited (LGI)

(Financial Services Register No. 202689).

London General Insurance Company Limited are

authorised by the Prudential Regulation Authority

and regulated by the Financial Conduct Authority

and the Prudential Regulation Authority. Lifestyle

Services Group Limited is authorised and regulated

by the Financial Conduct Authority. All ﬁrms’

Services Register by visiting the FCA’s website

fca.org.uk/register or by phoning 0800 111 6768*.

How we handle your personal

information

We are committed to preserving the privacy of our

customers. Please read the following privacy policy

to understand how we will use and protect the

information that you provide to us. By registering

with us, you consent to the collection and use of

your information under the terms of this privacy

policy for the purposes of effecting and

administering this insurance policy. The information

you provide will be used by us to supply you with

the services for which you have registered and we

may use the information to contact you to obtain

your views on our services and to let you know

about important changes to the services which we

offer. The information you provide to us about you

and the mobile phone will be shared with your bank

and the Insurer. In order to prevent fraud we may

BAR_9912279LP_UK.indd 23 12/12/2017 13:08

share information with other insurers and fraud

prevention agencies where this had been detected.

We may contact you by post, mobile phone, text,

fax, or e-mail. You will only be contacted by the

methods you have asked to be contacted by. Your

information will not be used or disclosed other than

in accordance with this privacy policy, or without

your permission, unless required by law.

If you would prefer us not to contact you to obtain

your views and/or you change your mind in the

future and would like us to stop contacting you for

this purpose, please write to:

Customer Services

Lifestyle Services Group Limited

PO Box 98

Blyth

NE24 9DL

We may co-operate with the police and any other

relevant authorities or organisations in connection

with any misuse or suspected misuse of the

services provided by us or other telecommunications

services provided by any member of our group of

companies. If necessary, we may divulge

information about you for this purpose. You have a

right to ask for a copy of the data held about you

and you may ask us to make any necessary

The fees shown here are variable, which means we can change them – although

we will let you know before we do this. Overdrafts, including fee-free amounts, are

subject to status and application, so the amount offered may be different to that

shown in the examples below. Overdraft facilities are repayable on demand and

you must be 18 or over to apply for one.

Daily fees are calculated on the daily statement balance and charged to your

account monthly.

Emergency Borrowing

You can also apply for Emergency Borrowing, subject to status. It is repayable on demand and you must be

18 or over to apply. Emergency Borrowing is a separate borrowing facility we can provide in addition to or

instead of an overdraft to help you cover unexpected or emergency payments. It is not part of any overdraft

fee-free amount available on the type of account you hold.

You can use our overdraft calculator at Barclays.co.uk/youroverdraft to see how much an overdraft and

Emergency Borrowing could cost you over a period of 31 days.

Overdraft Daily Fees

Account type Fees Payable Representative example

Barclays Bank Account with

Overdraft Tier (where you have

a Pack)

No daily fees are charged on

arranged overdrafts up to £200.

When you go over your £200

limit, daily fees are charged on

the whole balance of your

arranged overdraft.

The daily fees are as follows:

Up to £200 No fee

Over £200 and

up to £1,000 75p per day

Over £1,000 and

up to £2,000 £1.50 per day

Over £2,000 £3 per day

The maximum arranged

overdraft is £5,000

Fee-free overdraft up to £200

(subject to application and

status) while you stay within

that limit. £7.50 per month

Pack fee assuming you have

a Premier Tech Pack.

If you use an overdraft of

£1,200 you will be charged

£1.50 per day when you use it.

Premier Current Account When you add a Pack to this account, no additional fee-free

overdraft amount is available because this account already offers

preferential overdraft terms. You can ﬁnd out more by visiting

www.barclays.co.uk/your overdraft

Barclays Basic Current Account There are no overdraft facilities available on Barclays Basic

Current Account

changes to ensure that it is accurate and kept

up-to-date. If you wish to do this, please contact

the Customer Helpline on 0800 158 3198*

selecting the Gadget Cover option. We are entitled

by law to charge you a fee of £10.00 to meet our

costs in providing you with details of the

information we hold about you. We employ security

measures to protect your information from access

by unauthorised persons and against unlawful use,

accidental loss, destruction and damage. We will

retain your information for a reasonable period or as

long as the law requires. Any changes to our

appropriate way. All comments, queries and

requests relating to our use of your information are

welcomed and should be addressed as speciﬁed

above.

If we transfer your information to a person, ofﬁce,

branch, organisation, service provider or agent in

another country, we will make sure that they agree

to apply the same levels of protection as we are

required to apply to information held in the UK and

to use your information only for the purposes that

we have permitted. You conﬁrm that you consent to

transfers of your data outside the EEA for the

purposes described in this policy.

BAR_9912279LP_UK.indd 24 12/12/2017 13:08

2423

The fees shown here are variable, which means we can change them – although

we will let you know before we do this. Overdrafts, including fee-free amounts, are

subject to status and application, so the amount offered may be different to that

shown in the examples below. Overdraft facilities are repayable on demand and

you must be 18 or over to apply for one.

Daily fees are calculated on the daily statement balance and charged to your

account monthly.

Emergency Borrowing

You can also apply for Emergency Borrowing, subject to status. It is repayable on demand and you must be

18 or over to apply. Emergency Borrowing is a separate borrowing facility we can provide in addition to or

instead of an overdraft to help you cover unexpected or emergency payments. It is not part of any overdraft

fee-free amount available on the type of account you hold.

You can use our overdraft calculator at Barclays.co.uk/youroverdraft to see how much an overdraft and

Emergency Borrowing could cost you over a period of 31 days.

Overdraft Daily Fees

Account type Fees Payable Representative example

Barclays Bank Account with

Overdraft Tier (where you have

a Pack)

No daily fees are charged on

arranged overdrafts up to £200.

When you go over your £200

limit, daily fees are charged on

the whole balance of your

arranged overdraft.

The daily fees are as follows:

Up to £200 No fee

Over £200 and

up to £1,000 75p per day

Over £1,000 and

up to £2,000 £1.50 per day

Over £2,000 £3 per day

The maximum arranged

overdraft is £5,000

Fee-free overdraft up to £200

(subject to application and

status) while you stay within

that limit. £7.50 per month

Pack fee assuming you have

a Premier Tech Pack.

If you use an overdraft of

£1,200 you will be charged

£1.50 per day when you use it.

Premier Current Account When you add a Pack to this account, no additional fee-free

overdraft amount is available because this account already offers

preferential overdraft terms. You can ﬁnd out more by visiting

www.barclays.co.uk/your overdraft

Barclays Basic Current Account There are no overdraft facilities available on Barclays Basic

Current Account

changes to ensure that it is accurate and kept

up-to-date. If you wish to do this, please contact

the Customer Helpline on 0800 158 3198*

selecting the Gadget Cover option. We are entitled

by law to charge you a fee of £10.00 to meet our

costs in providing you with details of the

information we hold about you. We employ security

measures to protect your information from access

by unauthorised persons and against unlawful use,

accidental loss, destruction and damage. We will

retain your information for a reasonable period or as

long as the law requires. Any changes to our

appropriate way. All comments, queries and

requests relating to our use of your information are

welcomed and should be addressed as speciﬁed

above.

If we transfer your information to a person, ofﬁce,

branch, organisation, service provider or agent in

another country, we will make sure that they agree

to apply the same levels of protection as we are

required to apply to information held in the UK and

to use your information only for the purposes that

we have permitted. You conﬁrm that you consent to

transfers of your data outside the EEA for the

purposes described in this policy.

BAR_9912279LP_UK.indd 25 12/12/2017 13:08

About Our Insurance Services General Information

In the following section ‘we’ refers to

Barclays Bank UK PLC.

Name and address of the insurance

intermediary

The registered address of Barclays Bank UK PLC is

1 Churchill Place, London E14 5HP.

Statutory Status

Barclays Bank UK PLC is authorised by the Prudential

Regulation Authority and regulated by the Financial

Conduct Authority and the Prudential Regulation

Authority (Financial Services Register No. 759676).

Financial Services Register

You can check details of our Regulators and

Registration by visiting the ‘Financial Services

contact the FCA direct on 0800 111 6768*.

Advice or information

We can only offer Mobile Phone Insurance and

Gadget Cover from single insurers.

The policies/terms and conditions of these features

are provided as part of the Premier Tech Pack and

may not be the same as any stand-alone policy for

a similar product issued by Barclays.

If you obtained your Premier Tech Pack from your

Premier Team or from a Community Banker or via

the internet, the Premier Tech Pack is provided on a

non-advised basis. As such, we have only provided

information on the Premier Tech Pack and have not

made a recommendation about the suitability of

this Premier Tech Pack.

If you obtained your Premier Tech Pack by

telephone, the Premier Tech Pack is provided

on an advised basis.

Your Feedback

We want to hear from you if you feel unhappy with

the service you have received from us. Letting us

know your concerns gives us the opportunity to

put matters right for you and improve our service

to all our customers.

You can complain in person at your branch, in

writing, by email or by telephone. A leaﬂet detailing

how we deal with complaints is available on request

in any of our branches, from the Barclays

Information Line on 0800 400 100* or at

barclays.co.uk Alternatively you can write to

Barclays, Leicester LE87 2BB.

If we do not resolve your complaint internally to

your satisfaction, you may be able to refer it to the

Governing Law

If you buy insurance in the United Kingdom, you

can choose which law to apply to your policy.

Unless you and the insurer make a written

agreement saying otherwise before the policy is

issued, the law of England and Wales will apply to

this insurance. Unless otherwise agreed the

contractual terms of this policy, all prior information

and all communications will be in English.

Termination Rights and Process

Cover will continue as long as you have Premier

Tech Pack added to your Premier Current Account,

Barclays Bank Account or Barclays Basic Current

Account and the beneﬁt continues to be provided

as part of the Premier Tech Pack.

Your personal details

All personal information about you will be treated

as private and conﬁdential. We will use and disclose

information we have about you only in the normal

course of arranging and administering your

insurance, and will not disclose any information to

any other parties without your consent.

Data Protection Act

Under the Data Protection Act you have a right of

access to certain personal records. If you wish to

exercise this right, please write to the Data

Protection Team, Barclays Bank UK PLC, Knutsford,

Cheshire WA16 9EU. A fee will be charged for

this service.

Disclosure (in relation to insurance

cover provided as part of the Barclays

Current Account range)

You are responsible for providing complete and

accurate information to insurers when you take out

your insurance policy, throughout the life of your

policy, and when you renew your insurance. It is

important that you ensure that all statements you

make on the proposal forms, claim forms and other

documents are full and accurate. If you fail to

disclose any information to your insurers, this could

invalidate your insurance cover and could mean

that part or all of the claim may not be paid.

Financial Ombudsman Service at Exchange Tower,

London E14 9SR (Tel: 0800 023 4567* or 0300 123

9123, or if calling from abroad +44 20 7964 0500),

website: ﬁnancial-ombudsman.org.uk

The Financial Ombudsman Service is an

organisation set up by law to give consumers

a free and independent service for resolving

disputes with ﬁnancial ﬁrms. Details of those

who are eligible complainants can be obtained

from the Financial Ombudsman Service.

Compensation Scheme

We are covered by the Financial Services

Compensation Scheme (FSCS). You may be

entitled to compensation from the scheme if we

cannot meet our obligations. General insurance

contracts are covered for 90% of the entire claim,

without any upper limit. You can obtain more

information about the compensation scheme

arrangements by contacting the FSCS on

0207 741 4100 or 0800 678 1100* or by visiting

their website at fscs.org.uk

Change of insurer

From time to time for commercial reasons we may

decide to change the chosen insurer(s). If we do,

we will write to you at least 30 days before we

make any change, giving you details of the new

insurer and any variations to the terms and

conditions of cover.

In order to ensure continuity of your insurance you

hereby authorise us to transfer your data to any

new proposed insurer and consent to receiving

its offer of insurance. Your cancellation rights are

not affected.

Statement of Price

The premium payable for all associated insurance

products is £0.00.

To be eligible to join Premier Banking you must have

an annual gross income paid into a Barclays current

account of £75,000+ and/or £100,000+ saved or

invested through Barclays. Eligibility for Premier

Banking will be reviewed regularly and if you no

longer meet the criteria, we will contact you with

your options and we reserve the right to move you

from Premier Banking. We may vary the eligibility

criteria for Premier Banking from time to time.

There are no taxes or further costs unless

otherwise stated. If you cancel the Premier Tech

Pack, fail to pay the monthly Premier Tech Pack fee

or close your qualifying Account, all associated

insurance products are cancelled. You are unable

to cancel individual insurance products.

BAR_9912279LP_UK.indd 26 12/12/2017 13:08

2625

About Our Insurance Services General Information

Governing Law

If you buy insurance in the United Kingdom, you

can choose which law to apply to your policy.

Unless you and the insurer make a written

agreement saying otherwise before the policy is

issued, the law of England and Wales will apply to

this insurance. Unless otherwise agreed the

contractual terms of this policy, all prior information

and all communications will be in English.

Termination Rights and Process

Cover will continue as long as you have Premier

Tech Pack added to your Premier Current Account,

Barclays Bank Account or Barclays Basic Current

Account and the beneﬁt continues to be provided

as part of the Premier Tech Pack.

Your personal details

All personal information about you will be treated

as private and conﬁdential. We will use and disclose

information we have about you only in the normal

course of arranging and administering your

insurance, and will not disclose any information to

any other parties without your consent.

Data Protection Act

Under the Data Protection Act you have a right of

access to certain personal records. If you wish to

exercise this right, please write to the Data

Protection Team, Barclays Bank UK PLC, Knutsford,

Cheshire WA16 9EU. A fee will be charged for

this service.

Disclosure (in relation to insurance

cover provided as part of the Barclays

Current Account range)

You are responsible for providing complete and

accurate information to insurers when you take out

your insurance policy, throughout the life of your

policy, and when you renew your insurance. It is

important that you ensure that all statements you

make on the proposal forms, claim forms and other

documents are full and accurate. If you fail to

disclose any information to your insurers, this could

invalidate your insurance cover and could mean

that part or all of the claim may not be paid.

Financial Ombudsman Service at Exchange Tower,

London E14 9SR (Tel: 0800 023 4567* or 0300 123

9123, or if calling from abroad +44 20 7964 0500),

website: ﬁnancial-ombudsman.org.uk

The Financial Ombudsman Service is an

organisation set up by law to give consumers

a free and independent service for resolving

disputes with ﬁnancial ﬁrms. Details of those

who are eligible complainants can be obtained

from the Financial Ombudsman Service.

Compensation Scheme

We are covered by the Financial Services

Compensation Scheme (FSCS). You may be

entitled to compensation from the scheme if we

cannot meet our obligations. General insurance

contracts are covered for 90% of the entire claim,

without any upper limit. You can obtain more

information about the compensation scheme

arrangements by contacting the FSCS on

0207 741 4100 or 0800 678 1100* or by visiting

their website at fscs.org.uk

Change of insurer

From time to time for commercial reasons we may

decide to change the chosen insurer(s). If we do,

we will write to you at least 30 days before we

make any change, giving you details of the new

insurer and any variations to the terms and

conditions of cover.

In order to ensure continuity of your insurance you

hereby authorise us to transfer your data to any

new proposed insurer and consent to receiving

its offer of insurance. Your cancellation rights are

not affected.

Statement of Price

The premium payable for all associated insurance

products is £0.00.

To be eligible to join Premier Banking you must have

an annual gross income paid into a Barclays current

account of £75,000+ and/or £100,000+ saved or

invested through Barclays. Eligibility for Premier

Banking will be reviewed regularly and if you no

longer meet the criteria, we will contact you with

your options and we reserve the right to move you

from Premier Banking. We may vary the eligibility

criteria for Premier Banking from time to time.

There are no taxes or further costs unless

otherwise stated. If you cancel the Premier Tech

Pack, fail to pay the monthly Premier Tech Pack fee

or close your qualifying Account, all associated

insurance products are cancelled. You are unable

to cancel individual insurance products.

Registered Ofﬁce Details of the

Insurer

Mobile Phone Insurance and Gadget Cover

London General Insurance Company Limited.

Registered in England. Registered No: 1865673.

Registered Ofﬁce: Integra House, Floor 2,

Vicarage Road, Egham, Surrey TW20 9JZ.

London General Insurance Company Limited is

authorised by the Prudential Regulation Authority

and regulated by the Financial Conduct Authority

and the Prudential Regulation Authority. (Financial

Services Register number 202689).

Lifestyle Services Group Limited, Registered in

England. No. 5114385.Registered Ofﬁce: Phones 4U

House, Ore Close, Lymedale Business Park,

Newcastle under Lyme, Staffordshire ST5 9QD.

Lifestyle Services Group Limited is authorised and

regulated by the Financial Conduct Authority.

(Financial Services Register number 315245).

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Adding a Pack to your Current Account

These additional conditions supplement and

amend the general conditions of your Customer

Agreement with us (Barclays Bank UK PLC). In the

event of any inconsistency between these

additional conditions and the general conditions

of the Customer Agreement, these terms will apply.

General

You can personalise your Current Account by

adding one or more Packs and/or other features

or beneﬁts to it. A Pack is a set of added services

(such as insurance products) that can be added

as a package to a Qualifying Account, whilst other

features or beneﬁts are available as single add-ons.

You can customise your Current Account using

Online Banking or Barclays Mobile Banking, by

calling us or visiting a Barclays branch.

Qualifying Accounts

You can only add a Pack if you have a Barclays

Bank Account, Barclays Basic Current Account,

Student Additions Higher Education Account or

Premier Current Account or if you have another

account with us that we tell you is a Qualifying

Account.

Packs

Before selecting a Pack, you should check that you

are eligible for each of the beneﬁts under each

policy or feature (we will provide information to

help you do this). For instance, you may not be

eligible to claim for certain beneﬁts because of your

age or you have a pre-existing medical condition or

some activities or equipment may not be covered.

Other features and beneﬁts

You can add or remove a feature or beneﬁt available

as a single add-on from your Current Account at

any time.

Fees and charges

A monthly fee is payable for the provision of each

Pack and access to the set of beneﬁts and services

included in the Pack (Pack Fee). No part of this

Pack Fee is attributable to any particular beneﬁt

or service in your Pack. If you choose not to use a

beneﬁt or service, or are not eligible for a beneﬁt

or service, or a beneﬁt or service is not available

to you, you will not be entitled to a refund of, or

reduction in, the Pack Fee payable.

Some of the additional features or beneﬁts you

can choose which are not part of a Pack may incur

separate charges. These charges are set out in

the charges leaﬂets for your Current Account.

Changing or ending a Pack

You can cancel or change any Pack at any time.

We may impose restrictions on your ability to

re-select the same Pack for a certain period after

you cancel or change it. If this is the case, we will

tell you the restrictions when you cancel or change

the Pack.

We may remove a Pack from your account if you

fail to pay the monthly Pack Fee twice in a row or

if your account becomes inactive for six months

or more. We can also close your account or remove

a Pack by giving you at least two months’ notice

in writing.

If you change your account from Premier to another

Barclays bank account, or if your account is

changed to another Barclays bank account because

you no longer meet the eligibility criteria for

Premier, any Premier Pack will also be removed

from your account and will no longer be available

to you.

If you cancel, or we remove, all of your Packs on

your Barclays bank account, you will no longer be

entitled to any fee-free overdraft that may have

been made available to you with the Packs. If your

account is changed from a Premier account to

another Barclays account, you will no longer be

entitled to any Premier fee-free overdraft that may

have been made available to you with the Premier

account or Premier Account Packs.

BAR_9912279LP_UK.indd 28 12/12/2017 13:08

2827

Adding a Pack to your Current Account

General

You can personalise your Current Account by

adding one or more Packs and/or other features

or beneﬁts to it. A Pack is a set of added services

(such as insurance products) that can be added

as a package to a Qualifying Account, whilst other

features or beneﬁts are available as single add-ons.

You can customise your Current Account using

Online Banking or Barclays Mobile Banking, by

calling us or visiting a Barclays branch.

Qualifying Accounts

You can only add a Pack if you have a Barclays

Bank Account, Barclays Basic Current Account,

Student Additions Higher Education Account or

Premier Current Account or if you have another

account with us that we tell you is a Qualifying

Account.

Packs

Before selecting a Pack, you should check that you

are eligible for each of the beneﬁts under each

policy or feature (we will provide information to

help you do this). For instance, you may not be

eligible to claim for certain beneﬁts because of your

age or you have a pre-existing medical condition or

some activities or equipment may not be covered.

Other features and beneﬁts

You can add or remove a feature or beneﬁt available

as a single add-on from your Current Account at

any time.

Fees and charges

A monthly fee is payable for the provision of each

Pack and access to the set of beneﬁts and services

included in the Pack (Pack Fee). No part of this

Pack Fee is attributable to any particular beneﬁt

or service in your Pack. If you choose not to use a

beneﬁt or service, or are not eligible for a beneﬁt

or service, or a beneﬁt or service is not available

to you, you will not be entitled to a refund of, or

reduction in, the Pack Fee payable.

Some of the additional features or beneﬁts you

can choose which are not part of a Pack may incur

separate charges. These charges are set out in

the charges leaﬂets for your Current Account.

Changing or ending a Pack

You can cancel or change any Pack at any time.

We may impose restrictions on your ability to

re-select the same Pack for a certain period after

you cancel or change it. If this is the case, we will

tell you the restrictions when you cancel or change

the Pack.

We may remove a Pack from your account if you

fail to pay the monthly Pack Fee twice in a row or

if your account becomes inactive for six months

or more. We can also close your account or remove

a Pack by giving you at least two months’ notice

in writing.

If you change your account from Premier to another

Barclays bank account, or if your account is

changed to another Barclays bank account because

you no longer meet the eligibility criteria for

Premier, any Premier Pack will also be removed

from your account and will no longer be available

to you.

If you cancel, or we remove, all of your Packs on

your Barclays bank account, you will no longer be

entitled to any fee-free overdraft that may have

been made available to you with the Packs. If your

account is changed from a Premier account to

another Barclays account, you will no longer be

entitled to any Premier fee-free overdraft that may

have been made available to you with the Premier

account or Premier Account Packs.

Changes to Packs

We will review the Packs from time to time. If we

think it appropriate following a review, we may

(by giving you at least 30 days’ notice) make

changes to the beneﬁts included in the Pack or

to the providers of those beneﬁts, or withdraw

a beneﬁt from a Pack.

We may also (with the agreement of each provider)

make changes to the terms on which each beneﬁt

is provided (such as changes to the terms of an

individual policy).

The beneﬁts and services in the Packs, and

additional beneﬁts and services available, may

be provided to you by another provider within

the Barclays Group of companies or by a provider

outside that group. If we replace a beneﬁt or

service, or change the provider of a beneﬁt or

service, we may provide information about you

to any new provider to ensure that there is no

interruption in the beneﬁt or service you receive.

The new provider will use your information to

provide you with the beneﬁts and services.

BAR_9912279LP_UK.indd 29 12/12/2017 13:08

You can get this in Braille, large print or audio by calling

0800 400 100 (via Text Relay or Next Generation Text Relay

if appropriate). Barclays also welcomes calls via SignVideo for

BSL users. Visit barclays.co.uk/signvideo

Call monitoring and charges information

*Calls may be monitored or recorded for quality and training purposes. Calls to 0800 numbers are free

if made from a UK landline or personal mobile. Calls to 03 numbers are charged at the same rate as calls

to 01 and 02 landlines, and will count towards any inclusive minutes you have covering calls to landline

numbers. Charges may apply when calling from abroad.

Registration details can be checked on the Financial Services Register. Web: fca.org.uk/register

Telephone: 0800 111 6768*.

Barclays Bank UK PLC. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the

Prudential Regulation Authority (Financial Services Register No. 759676). Registered in England. Registered No: 9740322.

Registered Ofﬁce: 1 Churchill Place, London E14 5HP.

Item Ref: 9912279LP_UK Created: 04/18

Find out more

Online

barclays.co.uk/customisemyaccount

By phone

0800 158 3198*

Or in branch

BAR_9912279LP_UK.indd 30 12/12/2017 13:08