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Travel Packs: What’s changing? Changes to Packs from 16 September 2015

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Changes to your cover From 16 September 2015, the insurance cover on Packs offering travel insurance cover will change. These changes will apply to trips which start on or after the 16 September 2015. If you are due to travel before 16 September 2015, the current policy terms and conditions will apply for the whole of your trip. Important – declaring medical conditions You must contact the Medical Assessment Team if: • you receive advice, medication or treatment for any serious, chronic or recurring condition or if you are under investigation for an undiagnosed condition/ symptom(s), or • before you pay the final balance or travel on any trip you are referred to a Consultant/Specialist or are admitted to hospital, or • you are aware of serious or chronic conditions affecting a close relative (either travelling or not) or your travelling companion that would force you to abandon or cancel your trip. For full details of what you need to declare, visit barclays.co.uk/welcomepacks

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Travel Packs: What’s changing? From 16 September 2015, we’re making some changes to our Travel Packs. There are: • changes to your insurance cover • changes to exclusions • changes to wording of certain terms and conditions to make them clearer • changes to the general conditions of your insurance • changes to definitions of terms that are used in the terms and conditions. In this document, where we refer to ‘Travel product’, we mean ‘Travel Pack’ or ‘Travel Plus Pack’ – whichever you have purchased, and according to your policy document. Please read this leaflet carefully, so that you understand fully what the Pack provides from the date of the changes. Remember that you must be resident in the UK to qualify for any insurance cover included with Packs. This means you must spend 183 days of any 12-month period in the UK to qualify for cover. You can see full, up-to-date terms and conditions, including policy definitions, at barclays.co.uk/welcomepacks

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Improvements to policy cover • The age limit of the account holder or account holder’s partner will increase to provide cover up to their 80th birthday. The deinition of partner has been changed to relect this within the policy booklet Note: For sole accounts, once the account holder is aged 80 or over, no cover will be provided for their partner and/or dependant children (under the age of 18 or under 23 if in full time education) • There will be no limit to the maximum days of travel covered per year (there is still a limit on the length of each trip of 31 days). The deinition of period of insurance has been changed to relect this within the policy booklet • For charity based or conservation holidays, we’ve increased the length of trips we can cover from 21 to 31 days for each trip • Segway is now added to the list of leisure activities covered (there is no accidental death and permanent injury cover (previously personal accident) or personal liability cover) • There is now improved cover for medical treatment and expenses (see page 8) • Cancellation and abandoning your trip cover has been improved to cover travel disruption (see page 9) • Cover has been improved for missed onward connections and travel delay outside the UK (see page 11)

• Piste closure cover now includes the UK and provides cover in Europe at any time of year • We have increased the beneit for kennel/ cattery/professional pet sitter fees from £200 to £250 if you have to arrange pet care in case of a cancellation or abandonment of your trip • We have removed the £50 excess for catastrophe cover • We have reduced the personal liability excess that applies to all claims arising from your occupation of temporary holiday accommodation to £50.

Changes to Deinitions Some definitions within your policy have changed as summarised below. You can find full details of definitions in your policy booklet. Excess/excesses The deinition has been changed so that if any one incident results in an insured person claiming under more than one section of the policy you will only have to pay a maximum of one excess per insured person. Qualifying Account Barclays Cash Card Account has been added to the Qualifying Account deinition.

• There is increased cover for emergency travel documents and baggage (see page 11) • We have increased the maximum number of days you can use winter sports cover from 21 to 31 days in any calendar year

3

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Changes to optional cover upgrades

Changes to the General Exclusions of your insurance

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Your Pack allows you to buy optional upgrades to increase your cover, depending on what you’re doing and what you might need. These are the changes to optional cover from 16 September 2015:

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Wedding or Business cover We will no longer be offering these optional upgrades. If you have purchased an upgrade prior to 16 September 2015, you will still be covered until the end date of your trip as shown on your upgrade letter. Extended Baggage cover The most we will pay per insured person for baggage can be extended to an overall limit of £2,500 and no more than £600 for any one article, pair or set of articles or £600 in total for valuables. This new upgrade will not be available for purchase until 8am on 16 September 2015. Extended Cancellation Cover Cover can be extended to provide cancellation cover up to £10,000 per insured person. Golf Cover Golf Cover baggage limits go up from £1,000 to £1,500, and cover for green fees increases from £250 to £300.

The policy does not cover: • you riding or being a passenger on a scooter, moped or motorcycle: – 125cc or under; unless you wear a crash helmet and, as a rider, you are fully licensed to use such a vehicle in the UK – over 125cc; unless this is your mode of transport from the UK and you wear a crash helmet and appropriate protective clothing; and, as a rider, you are fully licensed and insured to use this vehicle in the UK • you taking part in exploration or scientific expeditions • you sitting on any balcony railing; ledge or wall, regardless of its height or jumping from or climbing on or over any balcony railing; ledge or wall, regardless of its height, unless your life is in danger (other than Artificial Wall Climbing listed in the Leisure activities section) • any claim for business travel • any claim resulting from a tropical disease where you have not had the recommended inoculations and/or taken the recommended medication A new General Exclusion has been added to your policy • any claim because you do not feel like travelling or you are not enjoying your trip.

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Changes to the General Conditions of your insurance If another insurance policy is also in operation If, at the time of an incident which results in a claim under this policy, there is any other insurance covering the same loss, damage, expense or liability, we are entitled to approach that insurer for a contribution towards the claim, and will only pay our share. This condition does not apply to the Accidental death and permanent injury or Holiday Disruption Beneit sections. When we can make changes to your insurance terms and conditions, and why We can, at any time and after taking a fair and reasonable view, make changes to your Travel Insurance terms and conditions, to relect changes in our expectations of the future likely cost of providing cover. Policy cover may increase or decrease, but the changes will not be made for the sake of recouping past losses. When doing so we will only consider one or more of the following: • our experience and expectations of the cost of providing this product and/or other Aviva products of a similar nature • information reasonably available to us on the actual and expected claims experience of insurers of similar products • widely available economic information such as inlation rates and exchange rates. Changes (together with the reasons for such changes) will be notiied to you in writing at least 30 days in advance. Additionally, we can, at any time and after taking a fair and reasonable view, make changes to your Travel Insurance terms and conditions:

• to relect changes (affecting us or your policy) in the law or regulation or the interpretation of law or regulation, or changes in taxation • to relect decisions or recommendations of an Ombudsman, regulator or similar person, or any code of practice, with which we intend to comply in order to make your policy clearer and fairer to you or to rectify any mistakes that may be discovered in due course. Changes (together with the reasons for such changes) will be notiied to you in writing at least 30 days in advance. Important information and changes we need to know about You must take reasonable care to provide complete and accurate answers to the questions we ask when you add a Travel product to your Qualifying Account and to tell the insurer about your health and the health of anyone else your travel plans depend on. Please note that if you fail to tell the insurer about any pre-existing medical conditions this could invalidate your insurance cover and could mean that part or all of a claim may not be paid. It is therefore very important that you read the Medical Declaration. If the information provided by you is not complete and accurate, we may: • amend the medical underwriting decision(s) for any declared pre-existing condition(s) which may result in an accepted condition being excluded, or • refuse to pay any claim, or • not pay any claim in full depending on the information that you have given us.

5

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Our right to cancel In addition to General Condition above, Barclays may cancel the Travel product immediately on our behalf by sending at least 7 days’ written notice to your last known postal and/or email address setting out the reason for cancellation. Valid reasons include but are not limited to the following: • where we have reasonable grounds for thinking you have committed (or attempt) fraud against us. • where you fail to co-operate with us or provide us with information or documentation we reasonably require and this affects our ability to process a claim or defend our interests • where you have not taken reasonable care to provide complete and accurate answers to the questions we ask as required in ‘Contract of Insurance and Information and Changes We Need To Know About’ section in the policy booklet and General Condition above. Barclays may also cancel this insurance and your travel pack in accordance with the terms of the Retail Customer Agreement. Please refer to the Retail Customer Agreement for further details. Claims Fraud If your claim is in any way dishonest or exaggerated we will not pay any beneit under this policy and we may cancel your policy immediately and backdate the cancellation to the date of the fraudulent claim. We may also take legal action against you.

Improvements to cancellation cover Improvements to ‘What is covered in the Cancellation’ section of your policy You’re now covered for cancellations where: • you are a member of Armed Forces, Police, Ambulance, Fire or Nursing Service, and authorised leave is cancelled due to a posting overseas or an unexpected work-related emergency arises at the time of your trip • your home is badly damaged by explosion, ire, landslide or severe weather. We have removed the 7 day limitation • you are prevented from leaving your home on the planned departure date due to severe/adverse weather • you are prevented from starting your trip on the planned departure date due to the cancellation of pre-booked transport as a direct result of: – strike or industrial action, or – severe/adverse weather, or – airspace or an airport or port you are scheduled to travel from or through has been closed, or – volcanic ash in the atmosphere and the carrier or handling agent is unable to provide suitable alternative travel arrangements within 24 hours of the date and time of the scheduled departure as shown on your ticket/itinerary • one of the following events occurs or prevents you from travelling within seven days of your scheduled departure date: – an avalanche, earthquake, explosion, ire, lood, landslide, storm or tsunami renders your pre-booked accommodation uninhabitable

6 Travel Packs: What’s changing?

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– your pre-booked holiday accommodation is directly affected by a food poisoning outbreak – the area in which you were due to stay is affected by pandemic or epidemic inluenza – a Foreign and Commonwealth Ofice advisory notice against all travel or all but essential travel to your destination is still in place.

• Any claim for redundancy if you or your travelling companion knew of the redundancy when you added the Travel product to your Qualifying Account or booked your trip (whichever is later) or where you cannot provide written evidence that the reason you or your travelling companion left the job was due to redundancy.

Increased beneit We have increased the beneit for kennel/ cattery/professional pet sitter fees from £200 to £250.

New exclusions added to ‘What is not covered’ • Any claim for a medical condition where you, your travelling companion or any other person upon whose good health your trip depends have been referred to a Consultant/Specialist or have been admitted to a hospital between booking your trip and paying any inal balance due for your trip unless disclosed to and accepted by us

Changes to Special Conditions • You must provide written conirmation from the carrier or handling agent of the actual date and time of the planned departure and reason for the cancellation. You also have to show that they were unable to offer suitable alternative travel arrangements within 24 hours of the date and time of the scheduled departure as shown on the ticket/itinerary • You must provide written conirmation from the accommodation provider and/or the local or national authorities that the prebooked accommodation was uninhabitable and the reason for this, and that they were unable to offer suitable alternative accommodation of a similar standard • Where you have been prevented from leaving home due to severe/adverse weather you must provide evidence that travel was not possible, such as local police, press or trafic reports. Clariications to ‘What is not covered’ Point 5 has been clariied as follows: • Any claim for dismissal, misconduct, resignation or voluntary redundancy

• Any claim where you knew, at the time of adding the Travel product to your Qualifying Account or when the trip was booked (whichever is later), that: – you or your travelling companion would be unable to travel, or – where it had been publicly announced and/or reported by the media that the occurrence of an anticipated event could result in the closure of: – airspace or an airport or port, or – the cancellation of the light • Any claim caused by a strike or industrial action which was public knowledge at the time you added the Travel product to your Qualifying Account or booked your trip (whichever is later) • Any claim where the carrier or handling agent has offered suitable alternative travel arrangements within 24 hours of the date and time of the scheduled departure as shown on the ticket/itinerary 7

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• Any claim where the accommodation provider has offered reasonable alternative accommodation.

Changes to emergency medical treatment and associated expenses cover We have merged the Hospital Beneit and Holiday Disruption beneits together. Here are the new terms and conditions for both. The exclusions in the previous terms and conditions haven’t changed. Changes to ‘What is covered’ If you are claiming for medical expenses that are covered under this section, we will also pay you a beneit of £50 for each full 24 hours for the disruption to your trip if: • you are in hospital receiving in-patient treatment for more than 24 consecutive hours, or • you are conined to your accommodation on the advice of the treating doctor for more than 24 consecutive hours. The maximum we will pay each insured person is £1,000.

• that you are going to require tests or investigations as an out-patient, or • are told that you need to go into hospital as an in-patient. If you cannot call before you are admitted as an in-patient because the condition is serious, you must contact the Medical Emergency Assistance helpline number as soon as possible after you go into hospital. The number to call is for Travel Pack: (+44) 1603 604 976 for Travel Plus Pack: (+44) 1603 604 961

While we hope everything goes smoothly when you travel, it might give you peace of mind to put this number in your phone now. What is not covered • Any claim for Holiday Disruption: – where the period in hospital or conined to accommodation is less than 24 consecutive hours – for any insured person not being treated as an in-patient or conined to their accommodation on medical advice – where there is no valid claim for Emergency Treatment.

Changes to Special Conditions – Contacting the Medical Emergency Assistance helpline as soon as possible You must phone the Medical Emergency Assistance helpline number before you make any arrangements if an illness or injury means that you: • need to seek emergency medical advice, or • are told by the treating doctor that you need to visit them for repeat treatments, or

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Changes to cover if you have to abandon your holiday (previously Abandonment) Improvements to abandonment cover We have extended cover to include the following: • you are a member of Armed Forces, Police, Ambulance, Fire or Nursing Service and authorised leave is cancelled due to a posting overseas or an unexpected work emergency or at the time of your trip

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• you reach the point of international departure on the outward journey from the UK and discover that the pre-booked travel arrangements have been cancelled due to: – strike/industrial action; or – severe/adverse weather; or – airspace or an airport or port you are scheduled to travel from or through has been closed; or – volcanic ash in the atmosphere and the carrier or handling agent is unable to provide suitable alternative travel arrangements within 24 hours of the date and time of the scheduled departure as shown on the ticket/itinerary. • In the event the Foreign and Commonwealth Ofice have issued an advisory notice against all travel or all but essential travel to your destination or, are advising British citizens to leave the area in which you are staying and return home

treated heir ce Emergency

• severe /adverse weather prevents you from reaching the point of international departure or the pre-booked holiday accommodation within the UK

• An avalanche, earthquake, explosion, ire, lood, landslide, storm or tsunami renders

the accommodation in which you are staying uninhabitable • Your pre-booked accommodation is directly affected by a food poisoning outbreak • The area in which you are staying is affected by pandemic or epidemic inluenza. Increased beneit We have increased the beneit for kennel/ cattery/professional pet sitter fees from £200 to £250. New Special Conditions – providing evidence of what’s happened • Where you have been unable to reach your point of international departure or pre-booked holiday accommodation within the UK due to severe/adverse weather, you must provide evidence that travel was not possible, such as a report from a breakdown service provider, local police, press or trafic reports • You must provide written conirmation from your carrier or their handling agent of the actual date and time of your planned departure and the reason for the cancellation • If your pre-booked arrangements have been cancelled by your carrier or their handling agent, you must provide written conirmation from them that they were unable to offer you alternative travel arrangements that were suitable to you within 24 hours of the date and time of your scheduled departure as shown on the ticket/itinerary • You must provide written conirmation from the accommodation provider that the pre-booked accommodation was uninhabitable and the reason for this, and that they were unable to offer suitable alternative accommodation of a similar standard. 9

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New and clariied Exclusions • Any claim for a medical condition if any insured person has travelled against the advice of a doctor or purposely travelled without medical advice when it was reasonable for you to have consulted a doctor • Any claim where you knew, at the time of adding the Travel product to your Qualifying Account or when the trip was booked (whichever is later), that:

• Any claim where you knew, prior to departure on your trip that you may need to return home early • Any claim caused by a strike or industrial action for which the dates had been publicly announced and/or reported by the media when the Travel product was added to the Qualifying Account or the trip was booked, (whichever is later).

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– where it had been publicly announced and/or reported by the media that the occurrence of an anticipated event could result in the closure of: – airspace or an airport or port, or – the cancellation of the light • Any claim caused by a strike or industrial action which was public knowledge at the time you added the Travel product to your Qualifying Account or booked your trip (whichever is later)

Section name change

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• Any claim where the carrier or handling agent has offered suitable alternative travel arrangements within 24 hours of the date and time of the scheduled departure as shown on the ticket/itinerary

This section does not apply for trips taken solely within the UK.

Personal Accident is now known as Accidental Death and Permanent Injury Cover.

Travel Delay after check-in (previously Delayed Departure Point 1)

• Any claim where the accommodation provider has offered reasonable alternative accommodation

Improvements to ‘What is covered’ Cover has been improved to provide cover for delays to connecting pre-booked travel arrangements including delays outside of the UK.

• Any claim for abandonment due to Foreign and Commonwealth Ofice advice where this advice was already in place prior to your departure from the UK

If the scheduled public transport on which you are booked to travel is delayed we will pay you £25 for every full 12-hour period you are delayed.

• Any claim for abandonment after you have chosen to move to alternative accommodation

New exclusion added to ‘What is not covered’ Any claim for travel delay in relation to a journey that has not been pre-booked is not covered.

10 Travel Packs: What’s changing?

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Changes to cover for missed connections (previously Missed International Departure) This section does not apply to trips taken solely within the UK. Cover has been improved to include missed onward connections not occurring at your inal point of international departure. If you arrive too late at your point of international departure as a direct result of: • delay or cancellation to scheduled public transport services or a connecting scheduled light; or • accidental damage to, or breakdown of, the vehicle in which you are travelling or an accident or breakdown ahead of you which causes an unexpected delay We will pay for extra travel and accommodation costs you have to pay to reach your: – destination on your outward journey from the UK, or – home on your return journey. If you miss a pre-booked onward connection outside of the UK as a direct result of: • delay or cancellation to scheduled public transport services or • a connecting scheduled light; or accidental damage to, or breakdown of, the vehicle in which you are travelling or an accident or breakdown ahead of you which causes an unexpected delay

New Special Condition – contacting the insurer, and providing evidence of what’s happened • If you miss your transport due to one of the reasons listed in this section you must contact the carrier or their handling agent to see if a late arrival is possible or if alternative travel arrangements can be made • Where you have been delayed due to an accident or breakdown ahead of you, you must provide evidence of the incident, such as local police, press or trafic reports • All claims must be supported by documentary evidence of the costs you have to pay because of the missed connection. New exclusion added to ‘What’s not covered’ Any claim if your trip is solely within the UK.

Changes to cover for emergency travel documents Improvements to what’s covered There’s now extended cover to include accidental damage and loss, theft or damage to passports and visas. We have increased the limit from £350 to £750 for extra travel, accommodation, transport, communication expenses and the cost of emergency travel documents. This also includes additional travel expenses if you can’t use your return ticket to the UK.

We will pay for extra travel and accommodation costs you have to pay to reach the next destination outside the UK as shown on your ticket/itinerary.

11

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New Special Condition – providing evidence of what’s happened All claims must be supported by documentary evidence of the costs you have incurred e.g. police report or consulate letter. New exclusions added to ‘What’s not covered’ Any claim for travel and accommodation expenses if: • you did not buy your return ticket to the UK before you left on your trip, or • you are travelling on an open-ended ticket and have not conirmed a return date to the UK with the airline. Any claim for travel and accommodation expenses for any other insured persons who could continue travel without you but decide to stay with you.

Changes to cover for Your Possessions (previously two separate sections: Baggage cover and Personal money) Improvements to what’s covered We have increased the Baggage limit from £300 to £400 for any one article, pair or set of articles. New Special Condition – keep damaged items you want to claim for You should not dispose of any damaged item as we may ask you to send it to us.

New Special Condition – reporting losses as soon as possible

Changes

• You must report any loss or theft to the police within 24 hours or as soon as reasonably possible after you discovered it, and get a written report. If it is not possible to get a police report, you must provide other independent proof of the loss or theft, such as a letter from your transport company, hotel, vehicle hire company or repairer

Extension to

• It may affect your claim if you cannot prove the value of, and that you were responsible for, the lost, stolen or damaged items, for example a receipt or credit card / bank statement showing evidence of purchase. If you are claiming for damage we may ask you to send us the broken item • You must be able to provide evidence that you owned the lost or stolen personal money and how much it is worth, for example proof of withdrawal or a currency exchange receipt. If you do not, it may affect your claim. New and clariied exclusions added to ‘What is not covered’ • Loss or theft of personal belongings, personal money, baggage, or valuables which you have left deliberately unattended • Loss, accidental damage or theft of personal money or valuables not carried in your hand baggage and fully accessible to you while you are travelling • Loss or theft of travellers’ cheques where the issuer provides replacements or where you have not followed the issuer’s instructions • Loss, accidental damage or theft of items used in connection with your job.

12 Travel Packs: What’s changing?

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Changes to winter sports cover

For more information

Extension to cover

If you have any questions about your Pack, visit barclays.co.uk/welcomepacks for full terms and conditions.

We have increased the maximum number of days you can use winter sports cover from 21 to 31 days in any calendar year. Piste Closure Cover now includes the UK, and provides cover in Europe at any time of year. New exclusions You can’t claim for a medical condition if any of the following applied when you added the Travel product to your account or booked your trip (whichever is later): • you had received advice, medication or treatment for any serious, chronic or recurring illness, injury or disease in the last 12 months unless the condition was disclosed to and accepted by us • you were under investigation or awaiting results for any diagnosed or undiagnosed condition unless disclosed to and accepted by us • you were on a waiting list for in-patient treatment or were aware of the need for in-patient treatment for any diagnosed or undiagnosed condition unless disclosed to and accepted by us • you had been told you have a terminal illness. Any claim for a medical condition where you have been referred to a Consultant/ Specialist or admitted to a hospital between booking your trip, paying the inal balance and the departure date unless disclosed to and accepted by us.

t of items .

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Find out more today in branch | 0800 051 6194* To get this in Braille, large print or audio, call 0800 400 100* (via Text Relay if appropriate) or visit barclays.co.uk/ accessibleservices Call monitoring and charges information *

Call charges may apply. Please check with your service provider. To maintain a quality service we may monitor or record phone calls. Barclays Bank PLC is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register No. 122702). Registered in England. Registered No. 1026167. Registered Ofice: 1 Churchill Place, London E14 5HP. Item ref: 9913774/PCB359153LFT2 Created: 04/15

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