Personal Accident Insurance

Personal Accident Policy Summary

The information below is a summary of your insurance, please refer to the Policy Document for full details of the cover provided.

1. Who Provides Your Insurance Policy?

The insurer of this Personal Accident Policy is Financial Insurance Company Limited, who provides and underwrites this policy, registered in England No. 1515187, limited by shares and whose registered offices are Building 11, Chiswick Park, Chiswick High Road, London, W4 5XR.

2. What Cover Do You Receive?

This policy covers you in the event of Permanent Total Disability, Loss of Sight in One Eye, Loss of Sight in both Eyes, Loss of Use of a Limb, Loss of Use of two Limbs, Loss of Hearing, Loss of Hearing in One Ear, Loss of use of a Shoulder, a Hip, Knee, Ankle, Wrist or Thumb, any Finger or Big Toe, any other Toe, Hospitalisation, Accidental Death

3. How Long Am I Covered For?

Benefits are payable if you have an accident after the start date of the cover and before the end date of the cover. Your Policy Document will provide you with full details of the benefits you are covered for. Your cover is for one month at a time as is automatically renewed every month until it is either cancelled or you miss paying three continuous monthly premiums or you die or permanently retire (whichever happens first).

4. Your Circumstances – Keeping Us Informed

Your cover may be affected should your personal circumstances change. To ensure this policy continues to meet your needs please contact us on 0870 400 4712.

5. What Cancellation Period Is There?

You may cancel your policy at any time by writing to the Insurer at the following address:

Financial Insurance Company Limited, Building 11, Chiswick Park, Chiswick High Road, London, W4 5XR.

The Insurer may cancel your policy by sending a registered letter to you at your last known address, providing at least 30 days advance warning of the cancellation is given to you. If the policy is cancelled after you have made a valid claim this will not effect any benefits. You will not be entitled to a refund of premiums paid before the date of cancellation, unless you cancel within 30 days of receiving your insurance schedule and have not made a claim. If you do not cancel your policy within 30 days of the start date your policy will remain in force and may then only be cancelled by you or by us giving 30 days notice in writing.

6. What Are The Significant Features And Benefits Of This Policy?

	Benefit Level £100,000		Benefit Level £120,000		Benefit Level £140,000
Items	Insured or Partner	Children	Insured or Partner	Children	Insured or Partner	Children
1. Permanent Total Disability	£100,000	£5,000	£120,000	£6,000	£140,000	£7,000
2. Loss of Use of:- i) one limb ii) two limbs	£50,000 £100,000	£2,500 £5,000	£60,000 £120,000	£3,000 £6,000	£70,000 £140,000	£3,500 £7,000
3. Loss of sight in:- i) one eye ii) both eyes	£50,000 £100,000	£2,500 £5,000	£60,000 £120,000	£3,000 £6,000	£70,000 £140,000	£3,500 £7,000
4. Loss of hearing in:- i) one ear ii) both ear	£20,000 £100,000	£1,000 £5,000	£24,000 £120,000	£1,200 £6,000	£28,000 £140,000	£1,400 £7,000
5. Loss of Use of a:- i) Shoulder ii) Hip iii) Knee iv) Ankle v) Wrist	£12,500 £10,000 £10,000 £10,000 £10,000	£625 £500 £500 £500 £500	£15,000 £12,000 £12,000 £12,000 £12,000	£750 £600 £600 £600 £600	£17,500 £14,000 £14,000 £14,000 £14,000	£875 £700 £700 £700 £700
6. Loss of Use of a:- i) one thumb ii) one forefinger iii) any other finger	£7,500 £5,000 £5,000	£375 £250 £250	£9,000 £6,000 £6,000	£450 £300 £300	£10,500 £7,000 £7,000	£525 £350 £350
7. Loss of Use of a:- i) one big toe ii) any other toe	£5,000 £2,500	£250 £125	£6,000 £3,000	£300 £150	£7,000 £3,500	£350 £175
8. Daily Hospitalisation (up to a maximum of 180 days)	£50 per day	£2.50 per day	£60 per day	£3.00 per day	£70 per day	£3.50 per day
9. Accidental Death	£10,000	£500	£50,000	£2,500	£75,000	£3,750

7. What Are The Significant Or Unusual Exclusions And Limitations Of This Policy?

As with most insurance policies exclusions and limitations apply – the list provided below is not exhaustive, but highlights exclusions and limitations, which may be considered significant. For full details see the Policy Document (page 9)

We will not pay you benefits for an accident that is directly or indirectly the result of your suicide or attempted suicide, you using any type of alcohol or drugs unless under the advice of a doctor for a condition other than alcohol or drug addiction, if you die, suffer loss of a limb, loss of use of a shoulder, elbow, hip, knee, ankle, wrist, finger, thumb or toe, loss of sight, loss of hearing because of an accident, we will not pay you any benefits if any of them happen 12 months after the accident.

If the effects of an accident on you are made worse because you already had a condition, sickness, disease or injury then we will assess the effects that your condition, sickness, disease or injury has on your bodily injury and we will reduce your benefit by an appropriate amount to take this into account. Please refer to page 9 of your policy document for full details of exclusions under this cover.

8. What To Do If You Want To Make A Claim

You should contact us at Building 11, Chiswick Park, Chiswick High Road, London, W4 5XR or telephone us on 0870 400 4712 to request a copy of a claim form.

9. What To Do If You Want To Make A Complaint

We set ourselves high standards, but if you are not satisfied with our service please tell us. If you follow the procedure set out below, we will deal with your complaint in the most efficient way possible. In the first instance, please contact:
The Company Secretary
Financial Insurance Company Limited
Building 11, Chiswick Park,
Chiswick High Road, London, W4 5XR.

Alternatively you can telephone Financial Insurance Company Limited on 0870 400 4870 to have your call directed to an appropriate person. You should give details of the policy number or claims reference number to help you with the speedy handling of your enquiry.

After this action, if you are still not happy or the problem has not been resolved to your satisfaction, you may refer it to:

The Financial Ombudsman Service,
South Quay Plaza,
183 Marsh Wall,
London, E14 9SR
Telephone 0845-0801800.
If you complain it will not affect your legal rights.

10. Financial Services Compensation Scheme

We are covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the scheme if We cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Insurance advising and arranging is covered for 100% of the first £2,000 and 90% of the remainder of the claim, without any upper limit. Further information about compensation scheme arrangements are available from the FSCS at www.fscs.org.uk or by telephoning 0207 892 7300.

Welcome to Nationwide Personal Accident Insurance

Introduction

Definition of Terms

Eligibility

What is Covered

What is Not Covered

Policy Limits

How To Make a Claim

Dishonesty

Premiums

Renewal of Insurance Cover And Policy Review

When Does Your Protection End?

Cancellation

Notice

Data Protection

Any Problems

Welcome to Nationwide Personal Accident Insurance

Dear Customer
Thank You for choosing Nationwide as Your Personal Accident Insurance provider. We are determined to provide You with outstanding customer service at all times and we will do our best to make insuring with us as easy and trouble-free as possible. We have been careful to explain the terms that we use throughout the document to make it easier to follow and we have avoided the use of legal terminology except where necessary. We hope that this document will help You understand Your cover but if You have any further questions, please call us on 0870 400 4712 and we will be happy to assist.

Introduction

Nationwide Personal Accident Insurance is brought to You by Nationwide Building Society under an operating agreement with Financial Insurance Company Limited.

This policy document together with Your Policy Schedule gives a full explanation of Your insurance cover. Please read these carefully to avoid any misunderstanding and check all the details are correct and You have the protection You need.

Any application and declaration made by You is the basis of Your cover and forms part of Your policy. If there are any changes to Your circumstances which are relevant to Your cover You must tell the Insurer.

If You need to make a claim, details of how to do so are contained in this policy document. We have tried to make this policy easy to understand, but if You have any questions please call the Insurer on 0870 400 4712 quoting Your policy number, or write to them at their address below.

Registered address:
Nationwide Personal Accident Insurance Unit,
Financial Insurance Company Limited,
Building 11, Chiswick Park,
Chiswick High Road,
London,
W4 5XR.

DEFINITION OF TERMS USED IN THIS POLICY

In this policy document and the Schedule the following words have the meanings given below. These words are highlighted by the use of bold print.

• "Accident" means a sudden and unexpected event which happens after the Start date and results in Bodily injury.
• "Bodily injury" means injury to Your body (excluding sickness, disease or any naturally occurring condition or degenerative process) resulting from external violent and visible means.
• "Children/Child" means each of the Insured's children or legally adopted children.
• "Disability" means a state of incapacity resulting from an Accident.
• "Doctor" means a legally qualified medical practitioner other than You or a member of Your immediate family.
• "End date" means the date when Your insurance ends as set out on page 11 of this policy.
• "Hospital" means a lawfully registered establishment providing medical and surgical treatment and 24-hour a day nursing care for ill or injured people. This does not include a convalescent, self-care or rest home, or a department in a hospital which has the role of a convalescent or nursing home.
• "Hospitalisation" means staying in a Hospital on the advice of a Doctor because of an Accident.
• "Insured" means the person named in the Schedule.
• "Insurer" means Financial Insurance Company Limited. Registered office: Financial Insurance Company Limited, Vantage West, Great West Road, Brentford, Middlesex, TW8 9AG
• "Loss of hearing" means total and permanent loss of hearing in either one or both ears.
• "Loss of sight" means total and permanent loss of sight in either one or both eyes.
• "Loss of use" means total and permanent loss of use of a shoulder, hip, knee, ankle or wrist.
• "Loss of use of a limb" means total and permanent loss of use or loss by physical and permanent separation at or above the wrist or ankle.
• "Loss of use of a finger, thumb or toe" means total and permanent loss of use or loss by physical and permanent separation of the entire finger, thumb or toe.
• "Partner" means a person who is either a spouse/civil partner of the Insured or a person who has lived with the Insured permanently for 6 months or more'.
• "Permanent Total Disability" means a total and permanent Disability which medical evidence confirms will last for the rest of Your life and which stops You doing any paid job.
• "Premiums" are paid monthly by Direct Debit and include Insurance Premium Tax at the current rate.
• "Start date" means the date described in the Schedule.
• "United Kingdom" means England, Scotland, Wales, Northern Ireland, the Channel Islands and Isle of Man.
• "You or Your" means for:- (1) Individual cover – the Insured; or (2) Individual & Partner cover – (i) the Insured; (ii) the Insured's Partner; or (3) Individual & Children cover – (i) the Insured; (ii) each of the Insured's Children; or (4) Individual, Partner & Children cover – (i) the Insured; (ii) the Insured's Partner; (iii) each of the Insured's Children.

Your Schedule will show the type of cover chosen and in force.

ELIGIBILITY

An Insured is eligible for cover if:

(i) the Insured is aged 18 or over and under 70 at the Start date; and
(ii) throughout the duration of the policy the Insured is living permanently in the United Kingdom for at least 40 weeks in any one year period commencing from the Start date and annually after this.

An Insured's Partner is eligible for this insurance if they are aged 18 or over and under 70 at the Start date and permanently living with the Insured in the United Kingdom. The Insured's Children are eligible for this insurance if they are permanently living (excluding term-time) with the Insured in the United Kingdom and either under the age of 18 or under the age of 21 if still in full-time education.

If occasional or temporary absences mean that You are going to be outside the United Kingdom for a total of more than 12 weeks in any one year period commencing from the Start date and annually after this, then Your cover outside the United Kingdom will stop on the last day of the twelfth week.

If You wish to extend Your cover for occasional or temporary absences (which means You will be outside the United Kingdom for more than 12 weeks in any one year period commencing from the Start date and annually after this) then please write to the Insurer with full details. The Insurer will then decide whether Your cover can be extended and if it can You will be sent written confirmation which You should place with this policy document in a safe place.

You will only be eligible for insurance cover under one Nationwide Personal Accident Insurance at any one time.

WHAT IS COVERED

If You have an Accident which results in any of items 1-9 in the Benefits Table You will be entitled to the following benefits:

Benefits Table

	Benefit Level £100,000		Benefit Level £120,000		Benefit Level £140,000
Items	Insured or Partner	Children	Insured or Partner	Children	Insured or Partner	Children
1.Permanent Total Disability	£100,000	£5,000	£120,000	£6,000	£140,000	£7,000
2.Loss of Use of:- i)one limb ii)two limbs	£50,000 £100,000	£2,500 £5,000	£60,000 £120,000	£3,000 £6,000	£70,000 £140,000	£3,500 £7,000
3.Loss of Sight in:- i)one eye ii)two eyes	£50,000 £100,000	£2,500 £5,000	£60,000 £120,000	£3,000 £6,000	£70,000 £140,000	£3,500 £7,000
4.Loss of Hearing in:- i)one ear ii)two ears	£20,000 £100,000	£1,000 £5,000	£24,000 £120,000	£1,200 £6,000	£28,000 £140,000	£1,400 £7,000
5.Loss of Use of:- i)Shoulder ii)Hip iii)Knee iv)Ankle v)Wrist	£12,500 £10,000 £10,000 £10,000 £10,000	£625 £500 £500 £500 £500	£15,000 £12,000 £12,000 £12,000 £12,000	£750 £600 £600 £600 £600	£17,500 £14,000 £14,000 £14,000 £14,000	£875 £700 £700 £700 £700
6.Loss of Use of:- i)one thumb ii)one forefinger iii)any other finger	£7,500 £5,000 £5,000	£375 £250 £250	£9,000 £6,000 £6,000	£450 £300 £300	£10,500 £7,000 £7,000	£525 £350 £350
7.Loss of Use of:- i)one big toe ii)any other toe	£5,000 £2,500	£250 £125	£6,000 £3,000	£300 £150	£7,000 £3,500	£350 £175
8.Daily Hospitalisation (Up to a maximum of 180 days)	£50 per day	£2.50 per day	£60 per day	£3.00 per day	£70 per day	£3.50 per day
9.Accidental Death	10,000	500	50,000	2,500	75,000	3,750

Notes to Benefits Table:

Your Schedule will show the Benefit Level chosen and in force. You may change Your Benefit Level at any time.

All benefits are paid to the Insured or the Insured's legal personal representative. You cannot transfer or sell Your rights or benefits under this policy.

The benefits set out in the Benefits Table will go up by 5% of their starting amounts on each anniversary of the Start date.

When You reach Your 65th birthday You will no longer be eligible for Permanent Total Disability and all other benefits will be reduced by 50%.

All benefit calculations will be made at the date of the Accident.

If You have an Accident You should be put under the care of a Doctor as soon as possible as failure to do so may affect Your claim.

Where it is proven that the effects of an Accident on You are made worse because You already had a condition, sickness, disease or injury then the Insurer will assess the effects that Your condition, sickness, disease or injury has on Your Bodily injury and the Insurer will reduce Your benefit by an appropriate amount to take this into account.

If You claim for any of items 1-7 in the Benefits Table and then die within 12 months as a result of the Accident the following benefits will be payable:

• if the benefit You receive for the Accident is less than the death benefit, the Insurer will pay the difference between the two.
• if the benefit You receive for the Accident is greater than the death benefit, no further payment will be made.

A. Permanent Total Disability

Assessment of Your eligibility for Permanent Total Disability benefit will be delayed for 12 months from the date Your claim was received by the Insurer so that an independent Doctor of the Insurer's choice can assess Your claim. However, if it is shown by medical evidence that the Disability is permanent then the Insurer may at their discretion pay a benefit before the end of the 12 months.

B. Loss of Limb

If You have already claimed under item 2 of the Benefits Table then You will not be eligible to claim under items 5, 6 or 7 for that limb. If You have already claimed under items 5, 6 or 7 this amount will be deducted from the benefit payable under items 2(i) or 2 (ii) of the Benefits Table.

C. Hospitalisation

The daily rate benefit:-

(i) is for each complete 24 hour period in Hospital; and (ii) is subject to a maximum of 180 days in Hospital for each Accident.

WHAT IS NOT COVERED

A. The Insurer will not pay You benefits for an Accident that is directly or indirectly the result of:

(i) war, invasion, acts of foreign enemies, civil war, rebellion, or whilst You are on naval, military or airforce duty, service or operations;
(ii) riding on a motorcycle as a driver or passenger;
(iii) rock climbing, mountaineering of any type or parachuting;
(iv) You working as a paid professional sports person;
(v) You competing in any race other than on foot or whilst swimming;
(vi) flying except as a fare paying passenger;
(vii) Your own self-inflicted injury, suicide or attempted suicide;
(viii) Your own illegal acts;
(ix) You taking any type of alcohol or drugs unless under the advice of a Doctor for a condition other than alcohol or drug addiction;
(x) radiation or contamination or the effects of radiation.

B. If You die, suffer Loss of use of a limb, Loss of use of a finger, thumb or toe, Loss of use of a shoulder, hip, knee, ankle or wrist, Loss of sight or Loss of hearing because of an Accident the Insurer will not pay You any benefits if any of them happen 12 months after the date of the Accident.

POLICY LIMITS

The maximum benefits payable for all claims are:-

Individual Cover

The Permanent Total Disability benefit and the maximum Hospitalisation benefit.

Individual & Partner, Individual & Children or Individual,Partner & Children Cover

For each person the Permanent Total Disability benefit and the maximum Hospitalisation benefit up to an aggregate maximum amount of twice the Permanent Total Disability benefit.

HOW TO MAKE A CLAIM

If You wish to make a claim under this policy, please ask for a claim form from:-

Nationwide Personal Accident Claims Department
Financial Insurance Company Limited
Building 11, Chiswick Park, Chiswick High Road, London, W4 5XR.
Telephone: 0870 400 4712

The claim form must be filled in and sent to the Insurer at the above address. All claims must be submitted within three calendar months of the date of the Accident or as soon as possible, as failure to do so may affect Your claim.

All certificates, information and evidence required by the Insurer in substantiation of a claim must be provided at Your own expense and must be on the form provided by the Insurer. In the case of Bodily injury You shall as often as the Insurer reasonably requires agree to medical examinations at the Insurer's expense in connection with any claim.

We support the Association of British Insurers claim code. You can be provided with a copy of this document upon request.

DISHONESTY

Any fraud, mis-statement or concealment either in the application on which this insurance is based, or in relation to any other matter affecting this insurance, or in connection with the making of any claim, shall render this insurance null and void and any benefits paid under a claim are to be returned to Us.

PREMIUMS

The premium shown on Your schedule is payable monthly and includes Insurance Premium Tax. If there is any future change in the rate of Insurance Premium Tax the premium will be automatically adjusted. Any alteration in the rate of tax will be announced publicly.

If You do not pay Your first monthly premium Your policy will be void from the Start date. Your monthly premium will go up by 5% of its starting amount on each anniversary of the Start date.

RENEWAL OF INSURANCE COVER AND POLICY REVIEW

Your policy is automatically renewed at the end of each complete calendar month after the Start date.

The Insurer may vary or amend the terms and conditions of Your policy at any time provided at least 30 days written notice is given to You prior to any alteration taking effect.

WHEN DOES YOUR PROTECTION END?

A. Your policy ends automatically as soon as one of the following happens:

(i) the Insured dies;
(ii) the Insured reaches 75 years old;
(iii) the date on which the Insurer pays benefits which together with any previous payments equals the maximum benefits payable as set out in Section 5 on page 6 of this policy;
(iv) the date You do not pay a monthly premium when due;
(v) the date You or the Insurer cancels Your insurance as set out in Section 11 on page 8 of this policy.

B. If You have Individual & Partner, Individual & Children or Individual, Partner & Children cover Your protection will also end if:-

(i) You are a Partner of the Insured when You reach 75 years old;
(ii) You are a Child of the Insured when You reach 18 years old or,
if You are still in full-time education, You reach 21 years old;
(iii) You stop permanently living with the Insured.

Please write and tell the Insurer when B.(i), (ii) or (iii) happens so that Your policy details can be changed accordingly.

CANCELLATION

You may cancel Your policy at any time by writing to the Insurer at the following address: Financial Insurance Company Limited, Building 11, Chiswick Park, Chiswick High Road, London, W4 5XR. The Insurer may cancel Your policy by sending a registered letter to You at Your last known address, providing at least 30 days advance warning of the cancellation is given to You. If the policy is cancelled after You have made a valid claim this will not affect any benefit payments. You will not be entitled to a refund of premiums paid before the date of cancellation, unless you cancel within 30 days of receiving your insurance schedule and have not made a claim. If you do not cancel your policy within 30 days of the start date your policy will remain in force and may then only be cancelled by you or by us giving 30 days notice in writing.

NOTICE

Unless otherwise stated in this policy any notice given under this policy shall be in writing and sent by post and shall be deemed to have been served one day after posting if sent by first class post, or three days after posting if sent by second class post.

DATA PROTECTION

You understand and give explicit consent that the sensitive health and other information that You provide about yourself will be used by Financial Insurance Company Limited, its agents and associated companies, other insurers, regulators and public bodies (including the police) and agencies to process this insurance and any other insurance, handle claims and prevent fraud. This may involve the transfer of such information to other countries (including those which have limited or no data protection laws). Financial Insurance Company Limited have taken steps to ensure that Your information is held securely.

ANY PROBLEMS?

We aim to provide You with a first class policy and unrivalled service. However, there may be times when you feel we have not done so. If this is the case, we would rather be told about it so that we can do our best to solve the problem.

You can write to the Company Secretary at Financial Insurance Company Limited, who underwrite the Nationwide Personal Accident Policy, at the address shown below:

The Company Secretary
Financial Insurance Company Limited
Building 11,
Chiswick Park,
Chiswick High Road,
London,
W4 5XR

We will send you an acknowledgement within five working days.

If after following the above procedure your complaint has not been adequately resolved, you may refer the matter to the Financial Ombudsman Service (FOS). Before the FOS will review your case, your complaint must have been referred to Nationwide or us, as appropriate.

The address is:

Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London
E14 9SR

Telephone: 0845 080 1800

We are covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the scheme if We cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Insurance advising and arranging is covered for 100% of the first £2,000 and 90% of the remainder of the claim, without any upper limit. Further information about compensation scheme arrangements are available from the FSCS at www.fscs.org.uk or by telephoning 0207 892 7300.

Choice of law and language.

If You buy insurance in the UK, You can chose which law will apply to the Policy. English Law will apply to Your Policy unless We make a written agreement saying otherwise. The information supplied in Your Policy document will be in English.

Nationwide Building Society, Head Office,
Nationwide House, Pipers Way, Swindon SN38 1NW.

The insurance for Personal Accident is arranged by Nationwide Building Society and is underwritten by Financial Insurance Company Limited registered in England No: 1515187. Financial Insurance Company Limited is limited by shares and their registered offices are Building 11, Chiswick Park, Chiswick High Road, London, W4 5XR.

Financial Insurance Company Limited is authorised and regulated by the Financial Services Authority and whose registered number is 202639.

Nationwide is a registered trademark of Nationwide Building Society.

© 2001 Nationwide Building Society

VW05242 12/04

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