Information about your policy
Policy acceptance is subject to the conditions listed in ´conditions of quote´ and any other information provided by you. If it is subsequently discovered that you fail to meet these conditions, or you have failed to disclose material information, this could result in amended terms, a claim being rejected or the policy being invalid. The details given usually provide us with sufficient information to enable us to consider the application. However, please consider carefully whether there is any other material information known to you, which could influence our acceptance or assessment of your application. Material information would include any special features of the property, or anyone who normally lives at the property, which makes losses more likely to happen, or more serious if they do. If you are unsure whether a piece of information is material you should disclose it by telephoning us on 0845 850 2702. Please note, if you do not disclose all relevant information or if that information is inaccurate, claims may be affected or we may cancel your policy.
When giving us information about another person, we believe that you act for them with their knowledge and approval. We also believe that you have their authority to agree to the processing of their personal details to determine the cover offered. We will hold this information no longer than necessary. We assume that the information you have given us is accurate. If anything is incorrect in the details we send you, please let us know.
Underwriters
Policy underwritten by:
Buildings, Contents, Personal Belongings, Specified Items
St Andrew´s Insurance plc
Registered in England
Company Number 3104671
Home Emergency
Inter Partner Assistance
Registered in England and Wales
Company Number F.C.008998
Legal Expenses
DAS Legal Expenses Insurance Company Limited
Registered in England and Wales
Company Number 103274
Any queries or complaints you may have regarding your policy, or a claim notified under your policy, may be directed to Sainsburys Bank on 0845 850 5500. Alternatively, see 'Contact Us' for full details of the complaints procedure.
Halifax General Insurance Services Limited is part of the HBOS Group.
Registered in England No. 2791889, Registered Office: Trinity Road, Halifax, West Yorkshire HX1 2RG.
Contact Us
Telephone numbers
Sales Unit - 0500 30 10 30
Claims, New and Existing - 0845 850 5500
Deaf Textphone - 0845 600 0775
Policy - 0845 850 2702
Deaf Textphone - 0845 600 0775
Additional Helplines
Home Emergency- 0845 850 6301
EuroLaw legal enquiries - 0845 850 6302
Key recovery service - 0845 850 2702
Deaf Textphone - 0845 600 0775
System problems - 0845 850 2702
Fax numbers
Policy - 01422 439933
Claims - 01422 439900
Complaint procedure
Although we aim to please, we want you to tell us if you have problems.
Action you can take
First contact:
Sainsburys Bank Home Insurance
PO Box 417
Halifax
HX1 2WD
If this does not settle the matter, you can write to one of the following:
For Sections 1 to 4 of your policy:
Customer Relations Manager
Halifax General Insurance Services Limited
Trinity Road
Halifax
West Yorkshire
HX1 2RG
For Section 5 of your policy:
Customer Services Administration
Inter Partner Assistance S.A
The Quadrangle
106-118 Station Road
Redhill
Surrey
RH1 1PX
For Section 6 of your policy:
The Chief Executive
DAS Legal Expenses Insurance Company Limited
DAS House
Quay Side
Temple Back
Bristol
BS1 6NH
If you are still not happy, for Sections 1 to 3 and Section 5, you can contact the Financial Ombudsman Service at:
Insurance Division
Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London
E14 9SR
If you make a complaint, it will not affect your right to take legal action.
Endorsements
Endorsements are Special Terms and Conditions, which apply and form part of your policy.
Failure to comply with these may result in a claim being rejected, amended terms or a policy being invalid.
Details
400001121
Minimum Security Standards - Contents/Personal Belongings
We will not pay for any loss or damage, under Section 2 - CONTENTS, to CONTENTS in the HOME, Section 3 - PERSONAL BELONGINGS, PERSONAL BELONGINGS in the HOME caused by;
Riot, civil commotion;
Vandalism;
Theft or attempted theft using force and violence to get into or out of YOUR HOME;
Theft or attempted theft not using force and violence to get into or out of your HOME;
When there is not a member of YOUR FAMILY at HOME unless all the following locks and security devices are fitted on all external doors and windows and are in use
1) All external doors lock by a key from both inside and outside
2) All outbuildings, garages, accessible windows and patio doors have key operated locks
A £250 excess applies to loss or damage by theft when the terms of this condition are not met.
400001122
Minimum Security Standards - Contents/Personal Belongings/Specified Items
We will not pay for any loss or damage, under Section 2 - Contents, to Contents in the home, Section 3 - Personal Belongings, Personal Belongings in the home and Section 4 - Specified Items to Specified Items in the home caused by;
Riot, civil commotion;
Vandalism;
Theft or attempted theft using force and violence to get into or out of your home;
Theft or attempted theft not using force and violence to get into or out of your home;
When there is not a member of your family at home, or when the residents retire for the night, unless there is a fully operational burglar alarm system in place which is:
1) set, and you have taken the keys to your alarm with you
2) kept in working order at all times
3) checked by the installers or another suitably qualified maintenance company at least every 12 months
A £250 excess applies to loss or damage by theft when the terms of this condition are not met.
430000275
If the stamp/coin collection is lost or damaged we will pay:
up to 60% of its catalogue value based on the Stanley Gibbons (for stamp collections) or Seabys (for coin collections) catalogue prices
up to 5% of the sum insured for the whole collection for any single stamp or coin.
We do not cover the stamp or coin collection outside the British Isles.
The excess shown on YOUR schedule applies to any claim.
Important note:
In the event of loss or damage to the SPECIFIED ITEMS, the original purchase receipt or valuation which predates the loss must be produced before any claim payment can be made.
430000277
We will not pay for:
Any cycle which is motorised.
Loss or damage to any pedal cycle, which is lost or damaged while used for racing.
Loss of any pedal cycle left in a public place unless the pedal cycle is locked.
Important note
In the event of loss or damage to the SPECIFIED ITEMS, the original purchase receipt or valuation which predates the loss must be produced before any claim payment can be made.
For definitions of words in capitals refer to ´Words with special meanings´ in your policy booklet.
Help on completing card payment fields
Card Payment Help
Please see table below for help on which fields need completing for your card type:-
Visa Credit Card
Expiry Date - Yes
Valid From Date - No
Security Code - Yes
Issue Number - No
Card Number - Yes
Card Holder Initial and Surname - Yes
Visa Debit Card
Expiry Date - Yes
Valid From Date - No
Security Code - Yes
Issue Number - No
Card Number - Yes
Card Holder Initial and Surname - Yes
The Visa Debit Card option covers the following card types:-
Visa Debit
Electron
Visa Delta
Switch
Expiry Date - Yes
Valid From Date If applicable
Security Code - Yes
Issue Number - If applicable
Card Number - Yes
Card Holder Initial and Surname - Yes
Solo
Expiry Date - Yes
Valid From Date - If applicable
Security Code - Yes
Issue Number - If applicable
Card Number - Yes
Card Holder Initial and Surname - Yes
Maestro
Expiry Date - Yes
Valid From Date - If applicable
Security Code - Yes
Issue Number - If applicable
Card Number - Yes
Card Holder Initial and Surname - Yes
MasterCard
Expiry Date - Yes
Valid From Date - If applicable
Security Code - Yes
Issue Number - If applicable
Card Number - Yes
Card Holder Initial and Surname - Yes
Direct Debit Help
Are you the account holder
This is your personal account and you are authorised to instruct direct debits.
This is a business account and/or more than one person is required to authorise debits
If this is a business account a paper mandate will be sent for you to sign and return to us.
If more than one person is required to authorise debits, a parer mandate will be sent for both parties to sign and return to us.
Name of account holder
The name shown on the front of your card or on the account statement.
Bank Sort Code
The 6 digit number shown on the front of your card.
Account Number
The 8 digit number shown on the front of your card.
Security Policy
Security and Privacy Information
Every on-line application on the Sainsburys Bank website is encrypted using 128-bit encryption - the latest and most powerful encryption technology available. This ensures information is virtually impossible for anyone else to read unless they have the 'key' or password. A secure communications link called a Secure Socket Layer (SSL) encrypts all the information passed between your browser and our online applications.
Cookies, and how we use them
A cookie is a small piece of information, which website's that you visit place into your Internet browser, and can retrieve later. Cookies cannot be read by any website other than that which originally placed the cookie.
We do not store any personal or traceable customer information in the cookies we use. Additionally, all our cookie data is encrypted to prevent third parties from accessing the information they contain.
Some cookies last only as long as you are browsing a particular website, and are deleted when you move on to another website. Other cookies are stored by your browser and retrieved by the website when you visit it again. Typically this type of cookie could deliver a personalised welcome message to a customer.
Our websites use cookies for tracking purposes and remain in your browser for 90 days - this allows us to track which banner advertisements on external sites have led customers to our service. They also help to manage the rotation of advertisements that appear on your browser, preventing you from getting the same advert more than once.
It is possible to disable the cookies when using this website, as this should cause no degradation of the content you can access or functionality you can use.
If you want to delete any Cookies that are already on your computer, please refer to the instructions for your file management software to find the file or directory that stores cookies. Our cookies will have the file names insurance.sainsburysbank.co.txt. If you want to stop cookies being stored on your computer in future, please refer to your browser manufacturer's instructions by clicking 'Help' in your browser menu. Further information on deleting or controlling cookies is available at www.aboutcookies.org
Data Protection Act - Any information you provide will be held by Sainsbury's Bank Home Insurance and HBOS plc.
Data Protection Act Declaration
I confirm that I have read the information sheet "Uses of Data" detailed below and agree that the information I have provided in this application, and any other information relating to my account(s), may be processed and disclosed in the ways described. . In particular, I agree that I can be informed about Sainsburys Bank products and services which may be of interest to me, irrespective of any decision I may make or have made about receiving Nectar communications.
I agree that my personal details (other than financial information) may be shared with Sainsbury's Supermarkets Limited or any company from time to time forming part of the Sainsbury's Group for market research, statistical analysis, and so that I can be contacted with details of special offers and products that may be of interest to me.
I agree that, where appropriate, details relating to my Nectar card and the number of points earned can be passed, via Sainsburys Supermarkets Ltd, to LMUK Ltd so that they can administer the Nectar Programme.
I agree that any sensitive information obtained will only be processed in order to provide the service requested.
I declare that I am entitled to disclose information about any co-applicant or guarantor and/or anyone else referred to by me.
Sainsbury's Bank plc - Uses of Data
A service of quality
We place paramount importance on customer service and aim to meet your expectations on every occasion.
To achieve this aim we need accurate personal information about you. We have a legal obligation under the Data Protection Act to ensure that all information held and processed about you complies with the principles of the Act.
The Data Protection Act
The Data Protection Act puts obligations on users of personal information and lays down principles for its use. One principle states that information has to be processed fairly and lawfully. This means that you are entitled to know how we intend to use any information you provide. You can then decide whether you want to give it to us.
To provide outstanding customer service we need accurate customer information. You can help by informing us whenever your circumstances change.
Organisations must lodge a notification with the Information Commissioner describing the purposes for which they process personal information. The details are publicly available from the Commissioners office at Wycliffe House, Water Lane, Wilmslow, Cheshire SK9 5AF (Tel 01625 545745, Fax 01625 524510). Alternatively, see the Commissioner's web site.
How do we use your personal information?
Our main use of your personal information is to look after your account or to provide the specific service you require. Some details we obtain elsewhere - from credit reference agencies or your employer for instance.
If you apply to us for insurance we will pass your details to the insurer. If you make a claim, any information you give to us, or to the insurer, may be put onto a register of claims and shared with other insurers to prevent fraudulent claims. A list of the participants is available from the insurer.
We may use your account details, transactions and information provided to us by third parties in our customer contact programme.
Your contact details may be used by us and other parts of the J Sainsbury plc Group, including Sainsbury's energy and phone services, to keep their records up to date and administer your relationship with them, and for market research and statistical analysis. Occasionally we, and other parts of the J Sainsbury plc Group may contact you by letter, telephone, e-mail, SMS (text message) or MMS to inform you about other products, services and special offers that may interest you. We try to limit our customer contact programme to acceptable levels, but if you wish to exercise your right to opt out, simply write to us at Data Unit, Freepost NWW275A, City House, City Road, Chester CH88 3YE.
Remember, however, that opting out could stop us contacting you about any of our products or services that may benefit you. For example, you may not hear about a new savings product that offers you a better rate or saves you money.
Unless you have given us your consent, we will not provide information about you to companies outside our group to use for their own marketing purposes. We disclose information about our customers only with their consent, or if we are required to do so by law. Sometimes we need to give information to our agents and subcontractors so that they can provide a particular service for us. Sometimes, these companies may be located abroad in countries that do not have data protection laws. In these circumstances we always take great care to ensure that your personal information is kept safe and secure. If you hold a credit card with us we will share transaction details with our scheme providers (e.g. Visa Europe).
We will use your details to assist us in understanding individual needs and business trends in order to improve the products and services we offer.
We are also committed to meeting the standards set by the Banking Code, copies of which are available on request. Occasionally, the Banking Code compliance review body audit a sample of our customer records to assess our compliance with the Code. Whenever this happens, strict confidentiality conditions are always imposed.
Under the Data Protection Act you have the right of access to information we hold about you on our records. The Act allows us to charge a fee of £10 for this service. If anything is inaccurate or incorrect, please let us know and we will correct it.
If you do not want to receive unsolicited mail from other companies, you can prevent this by registering with the Mailing Preference Service. In addition, the Telephone and Fax Preference Services enable you to object to receiving unsolicited marketing phone calls or faxes from other companies. To register, simply telephone the appropriate number i.e.
Mailing Preference - 020 7291 3310
Telephone Preference - 020 7291 3320
Fax Preference - 020 7291 3330
For more details about all the Preference Services, please see the Direct Marketing Association's web site
Crime prevention and detection
We have systems that protect our customers and ourselves against fraud and other crime. Customer information can be used to prevent crime and trace those responsible. We may check your details with fraud prevention agencies. If you give us false or misleading information and we suspect fraud, we will record this. We and other organisations may use and search these records to help us to:
- make decisions about credit and related services for you and members of your household;
- make decisions on motor, household, life and other insurance proposals and insurance claims for you and members of your household;
- trace debtors, recover debt, prevent fraud and to manage your accounts or insurance policies;
- check your identity to prevent money laundering, unless you provide us with other satisfactory proof of identity.
If you want to receive details of the fraud prevention agencies from whom we obtain and with whom we record information about you, customers should contact our Fraud Helpline on 0845 604 5494. You have a legal right to these details.
Money laundering and statutory obligations
To comply with money laundering regulations, and to help stop criminals using financial products or services to launder money, there are times when we need to confirm (or reconfirm) the name and address of our customers. We may need to do this whether you are applying to be a new customer or have been one for some time. We may ask you to provide physical forms of identity verification or alternatively, we may search credit reference agency files in assessing your application. The agency also gives us other details and information from the Electoral Register to verify your identity. The agency keeps a record of our search, whether or not your application proceeds. Our search is not sent or used by lenders to assess your ability to obtain credit. We may use scoring methods to assess your application and verify your identity. We, and other companies, may use the search records and any other information provided to the agency if you, or members of your household, apply for other products or services, including insurance applications and claims. This information may also be used for debt tracing, prevention of money laundering and the management of your account. For more details about identity checks on account opening, please ask for our leaflet "Your Personal Details - How to help us prevent crime".
Some Acts of Parliament oblige us to disclose information about our customers to certain bodies with statutory powers. For example, we must give information to authorised benefit fraud investigators where fraudulent benefit claims are suspected. In addition, the Inland Revenue has the statutory authority to audit our customers' accounts from time to time.
E-mail
If you e-mail us, or give us your e-mail address, we will keep a record of it. We, and other parts of the J Sainsbury Group, may use it to contact you occasionally about other products and services which may interest you, unless you ask us not to do so (as detailed above). We will not give your e-mail address to any unauthorised third parties.
When e-mailing us, always use the e-mail facility on our website to make sure that the content of your e-mail is secure. If you send us e-mail in other ways, remember that it will be 'insecure' and could be intercepted. If you do send us 'insecure' e-mail, please keep the amount of confidential information you include to a minimum. We will do likewise when we reply.
Telephone calls
We may record telephone conversations to offer you additional security, resolve complaints and improve our service standards. Conversations may also be monitored for staff training purposes.
Responsibility for customer confidentiality
All our employees are personally responsible for maintaining customer confidentiality. We provide training and education to all our staff to remind them about their obligations. Our policies and procedures are regularly audited and reviewed.
Sensitive information
The Data Protection Act defines information about the following as 'sensitive' (racial or ethnic origin, political opinions, religious beliefs, trade union membership, physical or mental health, sexual life, criminal proceedings and offences). If you apply to us for insurance, a pension, health insurance or life assurance, we may ask you for some 'sensitive' details. We will only use this information to provide the service you require and we will ask for your explicit consent. As a Sainsbury's Bank customer, there may be times when you give us sensitive information. We may share it with our subcontractors, to keep our records up to date.
Some transactions that you (or an additional cardholder) make on a card account may cause sensitive or confidential details to appear on your statement. If your card is used for such transactions, we believe that the details appear on your statement with your explicit consent.
Additional needs
We are committed to meeting the needs of all our customers. If you have a hearing or speech impairment, you can use Typetalk whenever you contact us. For the visually impaired we can provide documents in large print, Braille or on audio cassette.
Important information
Sainsburys Bank plc, Registered Office, 33 Holborn, London, EC1N 2HT (registered in England, no.3279730) is authorised and regulated by the Financial Services Authority (FSA). FSA Register number 184514. You can check this information on the FSAs Register by visiting the FSA's website or by contacting the FSA on 0845 606 1234. All communications with you will be in English.
Complaints
Sainsburys Bank plc has an internal complaints procedure. A copy of our procedure is available on request. Find out more information from our Complaints Policy. Complaints we cannot settle may be referred to the Financial Ombudsman Service.
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