CCRC Demands and Needs

Please review the information provided to ensure we have based your insurance on the correct information.

If any information provided to us by you or anyone acting on your behalf is inaccurate or if you fail to disclose any information, which might reasonably affect our decision to provide insurance to you, your right to any benefit under this policy may be affected.

If you need to talk to us about this information please call our customer helpline on 08457 283848.

Your Credit Card Repayments Cover Details

Monthly Premium

Credit Card Repayments Cover - Lifestyle costs 87p per £100 of your highest card balance each month. If your highest balance on your credit card remains at £1000 each month then your premium will equate to £8.70 per month or £104.40 over 12 months. The premium will incur interest at your normal APR.

The minimum monthly premium payable is 87p but no premium is due if your outstanding balance is nil at your statement date regardless of the highest balance in that month.

Insurance Premium Tax is included in your monthly premium.

Need

You have evaluated your need for optional Credit Card Repayments Cover to cover your credit card commitments in case an unfortunate event affects your income or causes you unexpected expense.

Important - Please note that this application for Credit Card Repayments Cover is subject to underwriting by the insurers. Should you be declined for cover you will be advised in writing by Halifax Insurance Ireland Ltd.

Eligibility

You are eligible to apply for optional Credit Card Repayments Cover if you are the principal cardholder, you are aged 18 or over but under 65 years of age, you are a UK Resident, you are working when you apply and are paying the appropriate class of UK NI contributions.

You have assessed that you are currently eligible to apply for Credit Card Repayments Cover.

Please note a change in circumstances could affect your ability to claim.

Product Chosen

We thank you for choosing to take our optional Credit Card Repayments Cover.

You have not received advice or a recommendation from us. It is your responsibility to decide if this product and the cover it provides meets your insurance needs as not doing so may affect your ability to claim in the future.

Credit Card Repayments Cover - Lifestyle provides protection in the event of disability, involuntary unemployment, hospitalisation, critical illness, if you become a full time carer, in the event of your death or in the event of a named life event occurring.

We would like to draw your attention to the Policy Summary Document attached, in particular to exclusions and conditions that may apply under this policy. You should read these carefully in line with your own circumstances to ensure that you fully understand any implications.

If you have any further queries at this point please do not hesitate to contact us for further information. Contact details are included in the policy documentation.