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18/02/2014 15:26
Argos Coversafe
Summary of Cover
This policy summary does not contain the full terms and
conditions of the contract. Full terms and conditions can be
found in the policy document GP02497.
What are the main features, benefits, exclusions and limitations of Argos Coversafe?
The benefits applicable to you will depend on your age, the type of employment you are engaged in, and whether you are
permanently retired or not.
Life
Accident and
Sickness
Unemployment
Purchase
Protection
18-65
18-65
18-65
18-65
Yes
No
No
Yes
The following tables summarise the different levels of cover provided under this policy, for full details
please refer to the relevant sections of the policy document.
Table 1: Life Cover
Features and Benefits
If during the period of insurance you or the
breadwinner die, we will pay Argos for the
credit of the account, a sum equal to the balance
outstanding at the date of death.
Policy
Reference
Sections
2 and 3
Policy
Reference
Sections
4 and 5
You should pay particular attention to the definition of fixedterm contract and Section 6 (ix) of the policy document. This
is to ensure you understand the situations in which you would
be entitled to make an unemployment claim and the criteria
you would need to meet if your contract was either terminated
early or not renewed.
You must continue to meet the conditions above to remain
eligible for the levels of cover that apply to you. If your
circumstances change or you no longer meet the conditions
above you should contact us straight away to discuss
your options.
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Policy
Reference
Policy
Reference
Contact Details
For general enquiries:
Sections
6 and 7
Page 1 of your
policy document
Section 11
If you cancel outside the initial 30 day cooling off period, no refund of premium will be payable.
To cancel, please contact Argos Card Services Limited using the contact details above.
Our right to cancel
Table 4: Purchase Protection Cover only applicable if you have chosen to include as part of your policy and will be
stated on your demands and needs letter.
Features and Benefits
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15870_Argos Coversafe Policy update AW.indd 4-5
Policy
Reference
We may cancel your insurance cover immediately where there is evidence of dishonest or exaggerated behaviour
or where you have misrepresented or failed to disclose something at the time of application which would have
caused us to decline you for cover.
Section 12
We may cancel your insurance cover by giving not less than 90 days written notice. We will only do this in the
circumstances set out in Section 12 of your policy document.
Duration of Cover
Sections
8 and 9
This is a monthly contract that will be renewed providing you pay your premium when due. This policy will
continue until the date you no longer have an agreement or the end of month in which your store card is
cancelled, withdrawn, expired or is not renewed by Argos, the date you reach 65 years of age, you die, you or
we cancel the policy or you fail to pay the monthly premium when due, whichever happens first. You should
review your circumstances regularly and consider whether this policy still meets your lifestyle needs.
Section 15
Claims
To make sure you receive your benefits as quickly as possible you must notify us about your claim as soon as
you can. You should contact us using the contact details above to request a claim form.
Section 10
For accident, sickness and unemployment claims, you can also download a claim form and track your claim
online at: www.support.cardifpinnacle.com
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Argos Coversafe
Premiums
The premium rate applicable to your cover may change during the time you have this policy. This may be
because of changes to our expected future costs. We will only change your premium rate for this reason where
there is a change to the specific factors we have set out in this policy, and that change results in our expected
future costs being higher or lower than assumed when the premium rate was set. This may include changes to
our expected future claims costs due to changes in economic conditions such as unemployment rates.
We will review your premium rate at least annually and you will be given at least 60 days written notice of any
alteration to the premium rates under this policy unless the change is due to legislative, tax or
regulatory requirements.
Section 13
We may review your premium rate more frequently than annually if it becomes necessary due to significant
changes in any of the specific factors referred to in Section 13 Except where your premium rate is changed due to
legislative, tax or regulatory requirements, the minimum period between consecutive changes will be 180 days.
This policy provides protection insurance for your Argos store card
in the event of your death, accident, sickness, unemployment
and purchase protection insurance (where you have chosen this
cover as an option) providing you meet the eligibility criteria set out
in Section 1 and have paid the monthly premium when due. This
policy provides you with everything you need to know about your
cover and contains all terms and conditions of your cover including
the exclusions and limitations. Please make sure that you:
are eligible for the insurance cover;
know what this insurance does and does not cover;
understand how changes in your employment may affect your
eligibility to claim; and
understand the terms and conditions for making a claim.
This policy uses words and phrases that have specific meanings.
You will find these explained in Section 18 Definitions. Defined
words are shown in bold wherever they appear.
As a result of the premium rate review, your monthly premium may go up, stay the same or go down, and there
is no limit to the amount of any change.
If a review results in an increase to your premium rate and you do not wish to pay the increase you can cancel
your policy with immediate effect by either telephoning us or writing to Argos.
Terms and conditions
We may vary or waive the terms and conditions of this policy. This may be to:
vary the cover provided under this policy because of changes to our expected future costs. We will only change
your terms and conditions for this reason where there is a change to the specific factors we have set out in
Section 13 of your policy, and that change results in our expected future costs being higher or lower than
assumed when the premium was set. This may include changes to our expected future claims costs due to
changes in economic conditions such as unemployment rates;
improve your cover;
comply with any applicable laws or regulations;
reflect any changes to taxation; or
correct any typographical or formatting errors that may occur.
You will be given at least 60 days written notice of any alteration (including detailed advice about what has
changed and how it may impact you) to the terms and conditions of cover under this policy unless the change is
due to legislative, tax or regulatory requirements.
Except where the terms and conditions of cover under this policy are changed due to legislative, tax or regulatory
changes, the minimum period between consecutive changes will be 180 days.
Such changes may have the effect of increasing or reducing the cover previously provided under this policy. If you
do not wish to continue your cover you can cancel your policy with immediate effect by either telephoning us or
writing to Argos.
Section 14
Section 16
Complaints
For complaints regarding general administration of your policy please contact Argos Card Services Limited using
the contact details on page 5.
For complaints regarding claims administration of your policy please contact Cardif Pinnacle using the contact
details on page 5.
If you are not satisfied with the outcome of any internal enquiries, you can ask the Financial Ombudsman Service
(FOS) to consider your complaint.
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Contact details
For general enquiries:
Argos Card Services Limited, Thynne Street,
Bolton BL11 1AS
Tel: 0845 640 0700
Compensation
We are covered by the Financial Services Compensation Scheme (FSCS). If we are unable to meet our liabilities
to you, you may be entitled to compensation from the FSCS. Further information is available from their
website: www.fscs.org.uk
Section 17
Life
Accident and
Sickness
18-65
18-65
18-65
18-65
Yes
No
No
Yes
Unemployment
Purchase
Protection
(c) be prevented from working only as a result of the accident
or sickness;
(d) not be receiving the monthly benefit for unemployment
for the same period; and
(e) provide us with any evidence we ask for (as listed in Section 10
(ii)) in order to prove your claim is valid and continues to be so.
(iii) When paying your claim we will consider the first day of your
accident or sickness to be the day a doctor certifies that
you are unfit for work.
(iv) We will continue to pay the monthly benefit until:
(a)
we have paid an amount equal to the balance outstanding;
(b)
we have paid 7 monthly benefit payments;
(c)
you return to full-time employment, self employment
or fixed-term contract work;
(d) you fail to provide us with evidence (as listed in Section 10 (ii))
of your accident or sickness; or
(e) the end date;
whichever happens first.
(v) Can you work whilst you are claiming?
If you are in full-time employment or fixed-term contract
work - if you make a valid claim and your doctor confirms that
because of your condition you must return to work gradually over
a period of time, we will continue to pay your monthly benefit
at the same rate until you return to working at least 16 hours per
week, or your doctor confirms your accident or sickness no
longer prevents you from working at least 16 hours per week,
subject to the terms and conditions of this policy.
If you have made an accident or sickness claim and then find
alternative part-time work for less than 16 hours per week you will
still be able to claim for accident and sickness benefit provided
that you are in receipt of Employment and Support Allowance.
If you are self-employed - you must not do any work including
helping, managing or carrying on any part of the running of a
business whilst you are claiming and you must not be receiving
any form of payment whilst you are claiming.
(vi) Future Claims
(a)
You may make a further accident and sickness claim:
(i)
for an unrelated condition if you have returned
to full-time employment, self-employment or
fixed-term contract work for at least 1 month following
the previous accident and sickness claim, unless
paragraph (b) below applies; or
(ii) for the same or a related condition if you have
returned to full-time employment, self
employment or fixed-term contract work for at least 3
consecutive months following the previous accident and
sickness claim, unless paragraph (b) below applies.
However, if two periods of accident or sickness (each
resulting from the same or a related condition)
are separated by less than 3 consecutive months of
full-time employment, self-employment or fixed-term
contract work, we will treat them as one continuous claim
for the purposes of calculating the maximum monthly
benefits payable, but no benefit will be payable for the
time in between.
(b) If we have paid the maximum monthly benefits for a
single claim, you may only make a further accident and
sickness claim (whether resulting from a related or
unrelated condition) provided you have returned to full
time employment, self-employment or fixed-term
contract work for at least 6 consecutive months.
Statutory maternity or paternity leave can form part or all of
the 1, 3 or 6 month periods in (a) and (b) above.
you will only be covered to the extent that the direct physical
loss or damage has not been paid by such other insurance.
This cover will not extend to any policy excess.
(iii) The maximum amount payable will be:
(a) the original purchase price of the insured article as
reflected on your account statement and the appropriate
till receipt;
(b) where the account has been used as a partial payment,
the actual proportion of the purchase price paid for using
the account;
(c) either the cost of repair of the insured article or if the
insured article is replaced with our prior approval, the
sum debited from your account on purchase of the
replacement insured article; or
(d) 1,500 in respect of a single article, 15,000 for each
event and 50,000, in total per annum.
(iv) In the event of total loss or damage, where an insured
article is replaced with our prior approval, evidence that
the insured article has been replaced with the same item
will be required. If the insured article is no longer available
for purchase, evidence that a similar item has been purchased
will be required.
(v) If you suffer any loss to one part or to a set of insured article(s)
and it is incapable of being used individually, and cannot be
replaced separately, then we will pay you the maximum benefit
outlined in this Section (iii) above, in respect of any direct physical
loss and/or damage to that personal property.
(vi) When a claim is paid for loss or replacement, the insured
article automatically becomes our property.
(vii) It is a condition of the insurance that any damage caused by
malicious persons or vandals, loss or theft must be notified
to the police within 24 hours of discovery of such damage,
loss or theft.
9. Purchase protection exclusions
No benefit will be payable under this policy for any loss and/or damage
arising from, or in respect of:
(i) faults or defects covered by any manufacturers guarantee;
(ii) the insured article being used for a business purpose;
(iii) theft from an unattended motor vehicle except where:
(a) the vehicle has been locked; and
(b) the vehicle security system (where present) has been
activated; and
(c) the item has been placed in either the boot or locked in the
glove compartment of the vehicle;
(iv) jewellery and watches stolen from baggage unless it is carried
by hand and under the personal supervision of you or a
member of your family;
(v) fraud, abuse, neglect or failure to follow the
manufacturers instructions;
(vi) loss or damage to any insured article as a result of your own
intentional acts or omissions;
(vii) damage caused by wear and tear to the insured article;
(viii) damage to sporting goods in the normal course of play and
consumable sporting items such as balls and racquet strings;
(ix) the unexplained loss of an insured article;
(x) loss of use of the insured article or any loss over and above
the cost of the insured article;
(xi) loss or damage caused by the failure of any electrical or
computer equipment, software, micro-controller, microchip,
accessories or associated equipment to correctly recognise and
process any calendar date or time;
We will consider the first day of your claim to be the day a doctor
certifies that your accident or sickness prevents you from working.
However, where your sickness relates to:
(a) any condition of a mental or nervous origin, including stress,
anxiety and depression, then we will consider the first day of
your claim to be the date of your referral to a consultant or
appropriate medical specialist; or
(b) backache, then we will consider the first day of your claim to be
the earliest of:
(i)
your referral for a radiological investigation or referral to a
consultant or appropriate medical specialist; or
(ii) receipt of radiological evidence.
If you complete a self-certification form when your accident occurs or
sickness begins we may consider the first day of your claim to be up
to 7 days before the date of the doctors certificate.
(iii) Unemployment cover claims
(a) To be able to process your claim quickly we will always
request that you send us a fully completed claim form. We
may also request the following documents which will be
provided at your expense:
(i) letters from your employer, including the letter notifying
you of the termination of your employment;
(ii) copies of your contract of employment, payslips, P60 and
P45 provided by your employer;
(iii) Jobseekers award letters. If you are not in receipt of
Jobseekers Allowance, letters confirming you are in receipt
of another more appropriate benefit;
(iv) copies of any compromise agreements;
(v) details of job applications;
(vi) any letter(s) confirming periods of temporary employment;
(vii) any employment tribunal decisions.
We may also write to your former employer and/or the
benefits office.
After the first month of the claim we may request additional
information from you from the list above;
To continue to qualify for benefit, you must be actively seeking
employment during the course of your claim. To evidence this, we
will ask you to complete a continuing claim form on a monthly basis
and to provide us with details of job applications you have made and
letters which confirm any periods of temporary employment you have
managed to secure.
(b) If you are a carer, we will require you to provide copies of:
(i) Carers Allowance award letter from the Department for
Work and Pensions Jobcentre Plus or such government
office which replaces it;
(ii) medical evidence in respect of the person requiring your
care from their qualified medical professional;
(iii) fully completed continuing claim forms with copies of bank
statements showing ongoing receipt of Carers Allowance.
We may also contact: the qualified medical professional,
your former employer, benefit office, you or your
authorised representative.
(c) If you are self-employed we will require you to provide us
(at your expense) with:
(i) copies of business bank statements showing business
transactions for the two years prior to the date last worked
along with sales invoices for the same period; and
(ii) copies of the last two years trading accounts or if these are not
available evidence of the last two years gross income; and
(iii) copies of cessation of trading accounts plus any HM
Revenue & Customs acknowledgement letters.
We may also write to your accountant and/or the benefits office.
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What if you are not eligible for Jobseekers Allowance?
If you are ineligible for Jobseekers Allowance, you must provide
ongoing alternative evidence to us (as listed in Section 10 (iii)
(a)) that you are unemployed and actively seeking work. This
could include copies of job applications, invitations to interviews,
application responses and registration with employment agencies.
What if you want to seek work in the EU?
If you wish to seek work in the European Union you must
make arrangements with the Department for Work and Pensions
Jobcentre Plus to register as unemployed in the country you
are going to. You must obtain a form E303/3 from the Overseas
Benefits Office before leaving the United Kingdom. We will
continue to pay your unemployment claim for a period of up to
3 months from the date you leave.
If, during the 3 month period referred to above, you find work
and/or you relocate to a European Union member state outside the
United Kingdom, you should notify us as soon as possible as you
may no longer be eligible for benefits or cover under this policy.
What if you need to switch between claims?
(Only applicable to accident, sickness and unemployment cover.)
You can switch between an accident or sickness claim and an
unemployment claim (or vice versa) without interruption (i.e. no
additional wait period will be applied), subject to a maximum of 7
monthly benefits being paid for any one claim. All other terms
of this policy will still apply and both claims must be valid.
(iv) Life cover claims
We will need the following information to be able to pay your claim:
(a) your personal representative must supply us with an original
certified copy of your death certificate (in English); and
(b) an original certified copy of either a grant of probate or
letters of administration (if your personal representatives are
appointed in England, Wales, Northern Island, the Channel
Islands or the Isle of Man) or grant of confirmation (if your
personal representatives are appointed in Scotland).
We may also require a copy of your birth certificate and access to
medical records and a copy of your will.
(v) Purchase Protection Insurance cover claims
Any claim under the purchase protection insurance cover detailed
in Section 8 must be notified to us within 45 days of the actual
physical loss and/or damage. (Any claim for loss will need to be
validated by a copy of the police report, sales invoice and card
receipt. Any claim for damage will need to be validated by an
estimate for repair, sales invoice and card receipt.)
What other support can we offer you?
To help you return to work, subject to availability we will also
provide you with access to our Claims Support website
www.support.cardifpinnacle.com which is designed to help you
find work and provide general health updates and information.
We may also provide you with our Job Seekers Booklet or our
Claimant Health Guide as appropriate.
What if youre receiving state benefits?
If you or your partner are receiving any state benefits you should
advise the appropriate authority if you make a claim under this
policy. In some circumstances, the amount of monthly benefit
you receive under this policy may affect your entitlement to state
benefits. Your local benefits agency will be able to provide you
with further information.
11. Your right to cancel
(i) Within the cooling off period - if you decide you do not want
the cover and wish to cancel your policy, you can do so within
30 days of the start date or the date you receive these policy
documents, whichever is the later (the cooling off period).
You will receive a full refund of any monthly premium you
have paid provided no claim has been made under the terms of
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13. Premiums
(i) Each monthly premium covers you for one month. Your
monthly premium will be calculated using the premium rate.
(ii) This policy has a reviewable premium rate, which means
that the premium rate applicable to your policy may
change subject to us giving you 60 days notice. We will only
consider changes to the premium rate, arising from one or
more of the following:
(a) changes due to new information arising from our own
experience suggesting that future claims experience is likely
to be better or worse than previously assumed. This
information includes changes to the number of claims we
expect to pay, changes to the average expected duration of
our claims payments or changes to the average expected
amount paid per claim;
(b) changes due to new information arising from external
sources such as general industry, population or reinsurer
experience suggesting that our future claims experience is
likely to be better or worse than previously assumed.
This includes industry or general population
unemployment experience;
(c) relevant changes to our previous assumptions in
relation to:
(i) expenses related to providing the insurance;
(ii) policy lapse rates which means the average time
policies are held;
(iii) interest rates;
(iv) tax rates; or
(v) the cost of any legal or regulatory requirements.
(iii) Any changes to your premium rate we make will not:
(a) be made as a result of any reason other than changes
in the assumptions mentioned above;
(b) be based on whether you have made a claim; or
(c) be made to recover any previous losses.
(iv) We will review your premium rate at least annually and
you will be given at least 60 days written notice, at your
last known address, of any alteration to the premium rate
under this policy unless the change is due to legislative, tax
or regulatory requirements. If your premium is changed due
to legislative, tax or regulatory requirements, then HIS may
not be able to give you 60 days notice.
(v) We may review your premium rate more frequently than
annually if it becomes necessary due to significant changes
in any of the assumptions referred to above. Except where
your premium rate is changed due to legislative, tax or
regulatory requirements, the minimum period between
consecutive premium rate changes will be 180 days.
(vi) As a result of the premium rate review, the corresponding
monthly premium may go up, stay the same or go down,
and there is no limit to the amount of any change.
(vii) If we change your premium rate and you do not wish to
continue your cover you should contact Argos to cancel
your policy.
(viii) If, during a claim, you cancel your policy or fail to pay
the monthly premium when due, we will continue to pay
the monthly benefit provided that the claim was made prior to
the date on which you cancelled or first failed to pay the
monthly premium when due. You will not, however, be
covered for any new claim made on or after that date.
(ix) The policy premium will be automatically added to your
Argos store card. This will be treated as a purchase
transaction. This means that where interest is due on the
transaction it will be charged at the standard rate of interest
charged under your credit agreement.
(a) the event leading to your claim occurred prior to the date you
cancelled your policy or the date the monthly premium
was not paid when due; and
(b) cancellation was not due to dishonesty or exaggerated
behaviour, misrepresentation or when asked, failure to disclose
a material fact by you (or by someone acting on your behalf).
You will not be covered for any new claim arising after the policy ends.
16. General conditions
(i) You must respond honestly to any request for information we
make when you take out cover under this policy, or apply to vary
your cover under this policy. In the event that any statement of
fact you make is untrue or misleading, this may affect the validity
of your policy, and whether you can make a claim.
(ii) If we make any payments as a result of dishonesty or exaggerated
behaviour by you (or by someone acting on your behalf) you will
no longer be entitled to any benefits under this policy and we
may demand that any payments made by us are paid back.
We may take legal action against you for the return of such
monies and we may demand that you reimburse us for any
costs incurred.
(iii) We have a regulatory obligation to prevent fraud. In the event
of a claim, any information you have supplied relevant to this
insurance and on the claim form, together with other information
relating to the claim may be shared with other insurers in order to
prevent fraudulent claims.
(iv) The monthly benefit cannot be paid to anyone else or in
any way other than as described in this policy.
(v) When your cover under this policy ends it will not have a
surrender or cash value.
(vi) Other than for the provisions provided for a breadwinner,
the rights given under this policy cannot be transferred to
anyone else.
(vii) A person who is not a party to the contract of insurance set
out in this policy shall have no rights under the Contracts
(Rights of Third Parties) Act 1999 (the Act) to enforce any
term of this policy provided that this shall not affect any right
or remedy of any person which exists or is available otherwise
than pursuant to the Act.
(viii) We are covered by the Financial Services Compensation
Scheme (FSCS). If we are unable to meet our liabilities to
you, you may be entitled to compensation from the FSCS.
Further information is available from their website:
www.fscs.org.uk
(ix) This policy is governed by English law. Any legal proceedings
will be held in the courts of England and Wales unless you live in
Scotland, Northern Ireland, the Channel Islands or the Isle of Man,
in which case you will be entitled to commence legal
proceedings in your local courts.
(x) We will use the English language in all documents and
communications relating to this policy.
(xi) To improve the quality of our service, we will be monitoring
and recording some telephone calls.
(xii) Failure to comply with any condition of this policy may result in
the suspension or the stopping of monthly benefit.
17. Enquiries and complaints
Step 1
(a) Administration Complaints Argos handles complaints
regarding general administration on our behalf.
If you are unhappy with the general administration of the
policy or have cause for complaint you should contact Argos
by telephone or in writing by letter or email to:
Customer Care Team
Argos Card Services Limited
Thynne Street, Bolton BL11 1AS
Tel: 0845 640 0700
14
The Argos Customer Services Team will tell you what Argos
will do to resolve your concerns and how long it will take.
If Argos is unable to resolve your complaint to your
satisfaction you may refer it to the Financial Ombudsman
Service (FOS) to consider using the address below.
(b) Claims Complaints If you have a complaint about a claim
you have made please contact:
Customer Relations Manager,
Cardif Pinnacle*
Pinnacle House, A1 Barnet Way
Borehamwood, Hertfordshire WD6 2XX
Telephone 0844 801 2174
Step 2
Should you remain dissatisfied with the outcome of any internal
enquiries, you have the right to refer your complaint to:
The Financial Ombudsman Service (FOS)
South Quay Plaza, 183 Marsh Wall,
London E14 9SR
This procedure will not prejudice your right to take legal proceedings.
However, please note that there are some instances when the FOS
cannot consider complaints.
A leaflet detailing our full complaints/appeals process is available from
us on request.
*Cardif Pinnacle is a trading style of Pinnacle Insurance plc. Pinnacle
Insurance plc is authorised by the Prudential Regulation Authority
and regulated by the Financial Conduct Authority and the Prudential
Regulation Authority.
18. Definitions
The following words and phrases will have the following meanings
where they appear in bold type.
accident means a bodily injury which prevents you from doing
your normal occupation (or any job which you are able to do, given
your experience, education or training) and for which you are receiving
treatment from a doctor. If you are self-employed, you must not be
receiving any form of payment from or be helping, managing or carrying
on any part of the running of the business whilst you are claiming;
account means the account maintained by Argos under
the agreement;
agreement means a credit agreement including all payment plans
such as Buy Now Pay Later between you and Argos in relation to
which we have agreed to provide insurance cover under this policy;
Argos means Argos Card Services Limited which is an appointed
representative of Home Retail Group Insurance Services Ltd (HIS);
balance outstanding means the amount outstanding on the
account at the statement date or your authorised credit limit
(whichever is lower) immediately preceding the date your accident
occurs, the commencement of your sickness, unemployment, or
death, subject to a maximum of 15,000;
breadwinner means a United Kingdom, Channel Islands or Isle
of Man resident who is nominated by the principal cardholder under
Section Important Information on page 7 of your policy booklet and
who is;
(i) in full-time employment or self-employed for at least
3 continuous consecutive months immediately prior to the
start date;
(ii) aged 18 or over and under 65;
(iii) earning a higher income than you; and
(iv) your partner.
ceased trading means where you have involuntarily ceased trading
as a result of your business having insufficient assets to meet its debts
and liabilities and:
(i) final closing accounts for your business have been prepared
and submitted to HM Revenue & Customs (HMRC); or
policy means the terms and conditions set out in this document;
premium rate means a cost per 100 of the outstanding balance
at the statement date on your Argos store card agreement in the
applicable month;
regular care and attendance means that you are under the
regular care and attendance of your doctor for your accident
or sickness;
self-employed/self-employment means working for an income
for at least 16 hours a week, paying Class II National Insurance
contributions (where appropriate) or contributions in accordance with
corresponding provisions under the legislation of the Channel Islands or
the Isle of Man and are:
(i) helping with, managing or carrying on a business and liable to
pay tax charged under section 5 of the Income Tax (Trading and
Other Income) Act 2005 in the United Kingdom or corresponding
provisions relating to the taxation of income from selfemployment under the legislation of the Channel Islands or the
Isle of Man; or
(ii) a partner in a partnership; or
(iii) a person who exercises direct or indirect control over
a company.
sickness means an illness or sickness which prevents you from
doing your normal occupation (or any job which you are able to
do, given your experience, education or training) and for which you
are receiving treatment from a doctor. If you are self-employed,
you must not be receiving any form of payment from or be helping,
managing or carrying on any part of the running of the business whilst
you are claiming;
start date means the date you are accepted for this
insurance cover;
statement date means the day each month that Argos calculates a
balance on the account for the purpose of calculating interest and the
monthly payment due under the agreement;
unemployed/unemployment means:
(i) being entirely without paid employment (which includes the
assisting, managing and/or the carrying on of any part of the
day to day running of a business); and
(ii) for the duration of the claim, being available for, and actively
seeking work, being able to provide the documentation listed in
Section 10 and registered with the:
(a) Department for Work and Pensions Jobcentre Plus; or
(b) Department for Social Development in Northern
Ireland; or
(c) States Insurance Authorities in the Channel Islands or a
European Union member state; or
(d) Department of Social Care in the Isle of Man; and
(iii) you must have signed a Jobseekers agreement within the
United Kingdom, or equivalent agreement in Northern Ireland,
the Channel Islands, the Isle of Man or a European Union
member state;
(iv) if you are self-employed, you must have ceased trading and
must provide the documentation listed in Section 10.
we, our, us means Pinnacle Insurance plc who is the underwriter
and claims administration provider of this policy. Cardif Pinnacle is a
trading style of Pinnacle Insurance plc;
you, your means the principal cardholder in the agreement
who has been accepted for insurance cover under this policy, or the
breadwinner if you have chosen to nominate one.
The singular will include the plural and vice versa. Within this policy,
headings are only included to help you and do not form part of the
insurance contract.
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