Payment protection Give yourself peace of mind

Protect your payments against the unexpected with optional Creditcare

If in the future you can't work through accident, illness or unemployment the last thing you'll want to worry about is not being able to meet your credit card repayments. That's where our Creditcare payment protection comes into its own. Its a small simple precaution that could take a big weight off your mind.

What does it cover?

	Payment Protection
	Carer Cover
	Life (in the event of your death)
	Accident & Sickness
	Unemployment
	Critical Illness

Terms, conditions and exclusions apply.

How much does it cost?

It costs just 79p per £100 on the outstanding balance on your statement. For example, the premium on a £1,000 balance would be £7.90 which would be added to your statement and may incur interest.  If you have a nil balance at statement print date, then you will not be charged any premium.

How do I make a claim?

Making a claim is easy, simply call the claims line and we will be able to tell you right away if your claim is covered. Terms, conditions and exclusions apply.

For further Creditcare payment protection information or to apply just call 08701 542 543**, lines are open 8am-8pm, seven days a week.

Safeguard your cards with optional Card Care

Losing your purse or wallet can be bad enough, but imagine if it contained all your credit cards and store cards. How would you contact all the relevant card companies, would you have their telephone numbers to hand?

One phone call to Card Care will ensure that all your card companies are advised. 

There are other benefits too, including:

• Immediate cancellation of all your missing financial cards
• Replacement cards are ordered right away
• Replacement of up to £100 for lost personal money you had on you at the time
• Cover for a replacement purse or wallet
• Emergency cash advance* to pay hotel bills or travel tickets home
• Replacement of your driving licence if it was lost or stolen at the same time as your cards.

*subject to status, repayable in 30 days.

For further card care benefits click here  Terms, conditions and exclusions apply.

How much does it cost?

Sainsbury's Card Care service starts from just £18 per year - that's just 35p per week! Further details are provided below:

	Cover	1 year	3 years
	Single	£18	£42
	Household (covers up to 9 other people living at the same address)	£25	£55

To discuss Card Care or to apply call 0845 120 8366** quoting SBIN061

It is important that you read the policy documentation and check that it is suitable for your needs within the 30 day cooling off period.

If you decide to apply online for Card Care or Creditcare during your online credit card application, the sale and administration of these insurance's will be undertaken by Bank of Scotland plc. Your policy will be underwritten by St. Andrew's Insurance plc. Sainsbury's Bank plc, Registered Office, 33 Holborn, London EC1N 2HT (registered in England no3279730) is authorised and regulated by the Financial Services Authority (FSA).

**Telephone calls may be recorded for security purposes and monitored under our quality control procedure.

Calls to 0870 numbers from BT land line will cost a maximum 8p per minute plus a 6p set up fee. Calls to 0845 numbers from a BT land line will cost a maximum of 4p per minute plus a 6p set up fee. The price of calls from other companies may vary. Call price correct as at 28/01/2008.

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