Insurance

Personal Travel Insurance

Insurance Travel Insurance Your guide to Travel Insurance, Policy Summary and other important information

YOUR GUIDE TO TRAVEL INSURANCE

About Our Insurance Services In the following section ‘we/us/our’ refers to Barclays Bank PLC and Barclays Insurance Services Company Limited. Barclays Bank PLC arranges Travel Insurance through Barclays Insurance Services Company Limited, which is a wholly owned subsidiary company of Barclays Bank PLC. The policy will be arranged and administered on our behalf by Cigna Insurance Services (Europe) Limited.

Regulatory status Barclays Bank PLC and Barclays Insurance Services Company Limited are authorised and regulated by the Financial Conduct Authority (FCA). The FCA is the independent watchdog that regulates financial services. The registered address of both Barclays Bank PLC and Barclays Insurance Services Company Limited is 1 Churchill Place, London E14 5HP. The Financial Services Register number for Barclays Bank PLC is 122702 and for Barclays Insurance Services Company Limited is 312078. Cigna Insurance Services (Europe) Limited is authorised and regulated by Financial Conduct Authority. The registered address is Chancery House, St Nicholas Way, Sutton, Surrey SM1 1JB. The Financial Services Register number is 310671.

Financial Services Register You can check this information on the Financial Services Register by visiting the website www.fca.org.uk/register/ or by phoning 0800 111 6768 or 0300 500 8082.

Advice or information We can only provide you with information and you will not receive advice or a recommendation from us in connection with your travel insurance requirements. We may ask some questions to narrow down the level and extent of cover that you require. You will then need to make your own choice about how to proceed.

Whose products do we offer and how are we remunerated? We only offer Barclays Travel Insurance from Cigna Europe Insurance Company S.A.-N.V. We receive a commission from Cigna Insurance Services (Europe) Limited for arranging your policy.

Complaints We hope that you are happy with the service we provide. However, if you are unhappy with it, we would like to hear from you. You can contact us, by writing to the Customer Relations Manager, Barclays Travel Insurance, 1 Drake Circus, Plymouth, PL1 1QH or telephone us on 0330 100 7701*

If we cannot resolve your complaint, you may be entitled to refer your complaint to Financial Ombudsman Service (FOS). Further information about FOS can be obtained from their website www.financial-ombudsman.org.uk or write to Financial Ombudsman Service, Exchange Tower, Harbour Exchange Square, London E14 9SR. Following the complaints procedure does not affect your right to take legal action. Details of our complaints procedures can be obtained by calling 0330 100 7701*.

Financial Services Compensation Scheme We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the FSCS if we cannot meet our obligations, depending on the type of business and the circumstances of the claim. Insurance advising and arranging is covered for 90% of the claim, without any upper limit. For compulsory classes of insurance, insurance advising and arranging is covered for 100% of the claim, without any limit. Please refer to your Policy Summary to find out whether the insurer is also covered by the FSCS. Further information about compensation scheme arrangements is available from the FSCS website www.fscs.org.uk or write to Financial Services Compensation Scheme, 10th Floor, Beaufort House, 15 St Botolph Street, London EC3A 7QU.

Change of underwriter From time to time for commercial reasons Barclays Insurance Services Company Limited may decide to change its chosen insurer. In such circumstances we will write to you not less than 21 days before your current insurance expires with details of the new proposed insurer and any other current changes to the insurance. Accordingly, in order to ensure continuity of your insurance you hereby authorise us to transfer your data to any new proposed insurer and consent to receiving its offer of insurance for consideration. Your cancellation rights are not affected.

Disclosure It is your responsibility to provide complete and accurate information when you take out your insurance policy, throughout the life of your policy, and when you renew your insurance. It is important that you ensure that all statements you make on proposal forms, claims forms and other documents are full and accurate. Please note that if you fail to disclose any information to your insurers, this could invalidate your insurance cover and could mean that part or all of a claim may not be paid. *For our joint protection and training purposes, telephone calls may be recorded and/or monitored.

Data Protection Please make sure that you read and understand this Data Protection notice as it explains to you what we will do with the information that you give us. If you apply for our products and/or services it is highly likely that we will need both personal and sensitive data about yourself and anyone else who is covered by the application form in order to administer the insurance policy and any claims which may arise. You should show this notice to any other person covered under your insurance policy. If your application includes other individuals we will assume that they have given their consent to you for you to give their information to us. The Data Controllers The Data Controllers will be Cigna Insurance Services (Europe) Limited, Barclays Bank PLC and Barclays Insurance Services Company Limited. Protection of your personal data We, Barclays Bank PLC and other members of the Barclays Group will collect, use, share and store your information for research and analysis, and to develop and improve our services to you and other customers, and to protect our interests. We will also use your information to manage your policy(ies), provide our services, to prevent and detect fraud, money laundering and other crime, and to meet our obligations to any regulatory authorities. By “your information” we mean personal (including information you provide us which may include sensitive personal data such as health and conviction details) and financial information we obtain from you or from third parties, such as, joint account holders, credit reference agencies (who may use the Electoral Register or other public or private databases to check your information), fraud prevention agencies or other organisations when you apply for an account or any other product or service or which you or they give to us at any other time. If you provide personal and financial information relating to others (e.g. family members or travelling companions) for the purpose of taking out this policy or administering your policy or handling a claim, you confirm that you have their consent or are entitled to provide this information to us. We, Barclays Bank PLC and other members of the Barclays Group will use your information to inform you by letter, telephone, text (or similar messages), digital television, e-mail and other electronic methods, about products and services (including those of others) which may be of interest to you. You may tell us if you do not wish to receive marketing communications from us, Barclays Bank PLC and other members of the Barclays Group by writing to us or by visiting your local branch and providing your full name, address and account details and the types of communication that you no longer wish to receive (e.g. mail, telephone or email)

We, Barclays Bank PLC and other members of the Barclays Group may give information about you and how you use your products and services to the following: • People who provide a service to us or are acting as our agents, on the understanding that they will keep the information confidential • Anyone to whom we transfer or may transfer our rights and duties under this agreement • We may also give out information about you if we have a duty to do so or if the law allows us to do so. We, Barclays Bank PLC and other members of the Barclays Group will also share your information with insurers, and their agents, on an ongoing basis and in the normal course of servicing and administering your insurance. Otherwise we will keep information about you confidential. If we transfer your information to a service provider or agent in another country, we will ensure that the same levels of protection are applied as we are required to apply to information held in the UK, and that they use your information only for the purpose of providing the service to us. Barclays Bank PLC and other members of the Barclays Group may receive your information back from Cigna Insurance Services (Europe) Limited including information relating to claims you have made, in order to oversee and improve the services you receive. Inaccurate data If you believe that we are holding inaccurate information about you, please contact the team responsible for administering your policy and they will be happy to correct any errors. Telephone calls Please note that for our mutual protection telephone calls to us may be monitored and/or recorded. Fraud prevention, detection & claims history In order to prevent and detect fraud we may at any time: • Share information about you with other organisations and public bodies including the Police; • Check and/or file your details with fraud prevention agencies and databases, and if you give us false or inaccurate information and we suspect fraud, we will record this. We and other organisations may also search these agencies and databases to; • Help make decisions about the provision and administration of insurance, credit and related services for you and members of your household;


• Trace debtors or beneficiaries, recover debt, prevent fraud and to manage your accounts or insurance policies; • Check your identity to prevent money laundering, unless you furnish us with other satisfactory proof of identity • Undertake credit searches and additional fraud searches. We can supply on request further details of the databases we access or contribute to. Accessing your personal data You can ask for a copy of the information held about you by contacting us, a fee may be charged for this service. For more details on accessing information held about you by Barclays Bank PLC, write to: The Data Protection Team Radbroke Hall Cheshire WA16 9EU Or for information held by Cigna contact: Customer Services PO Box 500 1 Drake Circus Plymouth PL1 1XB Tel. 0330 102 6417

®

Policy Summary – Barclays Travel Insurance 1. What is this keyfacts document? This is a summary of the policy cover for Barclays Travel Insurance and it does not include the full terms and conditions of the contract, which can be found in the Policy Document. 2. Who is providing this insurance policy? This policy is underwritten by CIGNA Europe Insurance Company S.A.-N.V. The policy is administered on behalf of the insurer by Cigna Insurance Services (Europe) Limited. 3. What type of insurance policy is this? This is a travel policy that, subject to the terms, conditions and exclusions contained in the Policy Document, will meet certain costs that might arise during the course of your travels. 4. What are the significant and unusual exclusions and limitations? 1. Under some sections of the policy, claims will be subject to an excess. This means that you will be responsible for paying the first part of each and every claim (as shown in your Policy Schedule) per incident for each insured person under each section of cover being claimed under. 2. Cover is excluded for any medical condition or symptom that has not been declared to and accepted by us and which existed prior to the commencement of this policy. This includes any associated medical conditions. After you have paid for this policy, you must tell us if your health changes. We will then decide if we can provide you with cover on your existing terms. We may ask you to pay an extra premium, add special conditions to the policy or exclude cover for your medical condition. For full details refer to the “Important conditions relating to health” section in the policy wording. 3. Any claim if, at the time your policy starts or booking a trip, whichever was the later, any person on whom the trip depends including the person with whom you are travelling or have arranged to travel, a person with whom you have arranged to reside with temporarily, a close relative, friend or close business associate had a medical condition for which he or she:

• was receiving treatment at hospital (other than where they go to hospital for check-ups for a stable condition, at regular intervals which have been arranged beforehand) • was waiting for a hospital consultation, investigations or treatment (other than where they go to hospital for check-ups for a stable condition, at regular intervals which have been arranged beforehand) • had been given a terminal prognosis, or been told that their condition is likely to get worse in the next 12 months. 4. This policy is only available to persons resident in the United Kingdom. 5. Under the Annual Multi-Trip Travel policy the upper age limit is 85 at the start of the policy. Winter Sports cover is only available to persons aged under 65. There is no upper age limit under our Single Trip policy. 6. Children are not covered under family and single parent Annual Multi-Trip Travel Insurance policies when travelling independently. 7. Cover is excluded for certain Leisure & Sport Activities. This means any pursuit or activity where it is recognised that there is an increased risk of injury or accident. A list of the activities covered by the policy can be found under the Leisure & Sport Activities section in the policy wording. 8. Your wilfully, self-inflicted injury or illness, suicide or attempted suicide, solvent abuse, alcohol abuse including alcohol withdrawal, the use of drugs (other than drugs taken in accordance with treatment prescribed and directed by a Medical Practitioner, but not for the treatment of drug addiction), selfexposure to needless peril (except in an attempt to save human life). 9. Operational duties of a member of the Armed Forces. 10. Travel to areas the Foreign and Commonwealth Office have advised against travelling 11. You drinking too much alcohol, where it is reasonably foreseeable that such consumption could result in a serious impairment of your faculties and/or judgement resulting in a claim.


5. What are the significant features and benefits of this policy? Policy Sections

Significant or Unusual Exclusions or Limitations that apply to individual benefits

Limits

Excess

1. Medical and Other Expenses Covers for eligible costs if during the trip you suffer bodily injury, illness or die.

• • • •

You must advise the Assistance Helpline of any claim over £500. Emergency dental treatment limited to £750. Overseas funeral costs are limited to £4,000. Any cost where you do not comply with the treatment agreed by the treating doctor and the Assistance Helpline including treatment that can wait until you return to the UK. Pregnancy or childbirth where the pregnancy has exceeded 28 weeks. Any costs which are covered under a reciprocal health agreement between the government of the UK and that of your country of loss including costs covered by the European Health Insurance Card (EHIC).

Unlimited

£50 (Range available Nil - £250)

• •

2. Hospital Benefit In the unfortunate event that you are hospitalised on your trip for over 24 hours, this benefit will be available to you to assist in any associated costs.

•

Expenses incurred as a result of a tropical disease where the required inoculations have not been undertaken.

£30 for every completed 24 hours in-patient hospital (up to £1,000)

Nil

3. Personal Accident Cover for loss of life, limb or sight that occurs during your trip.

•

Reduced benefit for persons aged under 16 or 65 and over.

Up to £25,000

Nil

4. Cancellation If you have to cancel your trip as a result of something beyond your control, which was unforeseen at the time your policy was taken out or at the time of booking your trip whichever is the later.

•

Any circumstances known prior to booking the trip or purchasing the policy (whichever is later) that could reasonably be expected to give rise to a claim. Any claim caused by you no longer being in a relationship/friendship with your travelling companion or person with whom you had arranged to stay. Travel tickets paid for using any airline mileage reward scheme, for example Air Miles or Avios points. Pregnancy or childbirth where the pregnancy has exceeded 28 weeks.

£750* (Range available £250 £10,000)


Any circumstances known prior to booking the trip or purchasing the policy (whichever is later) that could reasonably be expected to give rise to a claim. Any claim caused by you no longer being in a relationship/friendship with your travelling companion or person with whom you had arranged to stay. Travel tickets paid for using any airline mileage reward scheme, for example Air Miles or Avios points. Pregnancy or childbirth where the pregnancy has exceeded 28 weeks. Any claim for loss of holiday not supported by a medical certificate from your treating medical practitioner confirming the number of days that you were confined to a hospital, hotel room or cabin.

£750* (Range available £250 - £10,000)


• • •

5. Curtailment/Loss of Holiday If you have to cut short your trip as a result of something beyond your control, which was unforeseen at the time of purchasing your policy or at the time of booking your

• • • • •

6. Travel Delay Delayed departure for at least 12 hours from the scheduled departure time

•

Strike, industrial action, delays or disruption due to weather conditions already known at the time of booking the trip or buying this policy.

£25 for the first complete 12 hour delay and £20 for each subsequent 12 hours up to a maximum of £125

Nil

7. Missed Departure & Connection Cover for additional room only accommodation and travel expense due to the failure of public transport or an accident or breakdown of the vehicle you are travelling in or strike.

•

Strike or industrial action publicly known by the date the insurance is purchased by you. You must allow sufficient time for your journey. Any claim arising from any delay occurring following an accident to or breakdown of the vehicle in which you are travelling you must obtain written confirmation from the carrier, police or relevant transport authority confirming the delay.

£750* (Range available £750 £5,000)


8. Replacement Flight We will pay for the cost of a replacement flight if your scheduled airline becomes insolvent.

•

Scheduled flights not booked through a bonded travel agent or direct with a scheduled airline. Costs recoverable from elsewhere.

£1,500

Nil

• •

•

* Unless you have selected a different amount which will be shown on your Policy Schedule.

Policy Sections


Limits

Excess

9. Substitute Accommodation We will pay for reasonable alternative accommodation costs if your accommodation is affected by an outbreak of food poisoning, insolvency or fire.

•

Accommodation costs where the transport operator has offered reasonable alternative arrangements.

£3,000


10. Enforced Stay If you are unable to return home due to airspace, airport or the Channel Tunnel being closed we will pay £100 for each 24 hour period you are unable to return home up to a maximum of £1,500 or up to £1,000 for additional travel expenses to get you home after a period of 24 hours or more where your travel provider has not made suitable alternative arrangements.

•

The refunded amount of any unused travel costs recoverable from your travel provider.

£1,500

Nil

£750


Limited to £400 per single item or pair or set of items and £400 for valuables in total. Valuables left unattended at any time unless in a hotel safe, safety deposit box or in your locked personal private accommodation. Baggage contained in an unattended motor vehicle between 9 p.m. and 9 a.m. or between 9 a.m. and 9 p.m. unless it is in a glove compartment, locked boot or covered from view in a locked car. You must report all losses to the police within 24 hours of discovery or as soon as possible after that and obtain a written report.

Baggage £500* (Range available £250 £5,000)


•

You must obtain confirmation of the length of delay from your carrier.

Maximum £500* (Range available £250 £5,000. This will be the amount you select under the Baggage section of cover)

Nil

•

You must report all losses to the police within 24 hours of discovery or as soon as possible after that and obtain a written report. Personal money left unattended at any time unless in a hotel safe, safety deposit box or in your locked personal private accommodation. Reduced benefit of £50 cash for persons under the age of 16.

£500


You must report all losses to the police within 24 hours of discovery or as soon as possible after that and obtain a written report. Your passport or visa left unattended at any time unless in a hotel safe, safety deposit box or in your locked personal private accommodation.

Up to £1,000


You must report your mugging to the police within 24 hours or as soon as reasonably possible after that and obtain a written report.

£50 for every completed 24 hours in-patient hospital (up to £1,000)

Nil

11. End Supplier Failure Cover in the event of a supplier (providing Airport car parking, hire car or camper van, coach or ferry operator and excursions) declaring insolvency.

12. Baggage If your personal baggage is lost, stolen or damaged we will cover the cost of replacement (less wear, tear and depreciation).

• • • •

13. Delayed Baggage Cover is provided for the cost of essential items if you are without your baggage due to the carrier misplacing or delaying your baggage during the outward journey. After a complete 12 hour period up to £150 & up to £50 for each subsequent 24 hour period. 14. Personal Money Accidental loss, theft or damage of personal money.

• •

15. Loss of Passport or Driving Licence Cost of replacing your driving licence or passport and reasonable additional costs for travel and accommodation incurred whilst obtaining a replacement driving licence, passport or visa abroad.

•

16. Mugging If you sustain accidental injury as a result of mugging that results in you being hospitalised.

•

•



Policy Sections


Limits

Excess

17. Hijack A payment of £50 will be made for each day for the duration of the hijack.

• Claims where you or your business connections have engaged in activities likely to increase the risk of hijack.

Up to £1,000

Nil

18. Personal Liability Personal liability for any compensation you become legally liable to pay.

• Pursuit of any trade, business or profession, or the ownership, possession or use of any vehicles, aircraft or watercraft other than rowing boats, punts or canoes. • Any claim resulting from your ownership, possession or use of vehicles, aircraft, watercraft, firearms or explosive devices.

£2,000,000

Nil

19. Legal Expenses Legal expenses to pursue compensation if you suffer personal injury or death during your trip as a result of an accident.

• We will have complete control over proceedings and the selection, appointment and control of any legal representative. • Claims where there is no prospect of success in obtaining reasonable benefit. • Claims not reported within 90 days of the incident.

£25,000

Nil

• Limited to £250 per single pair or set of items.

£1,000


B. Hire of Ski Equipment Up to £50 per day for costs of hiring replacement ski equipment if yours is accidentally lost, damaged or stolen during your trip.

• Ski equipment contained in or stolen from an unattended motor vehicle between 9 p.m. and 9 a.m. or between 9 a.m. and 9 p.m. unless it is in a locked boot or covered from view in a locked car.

£500

C. Ski Pack £400 Unused non-refundable pre-paid ski pack costs up to £400 if you are unable to ski following accidental injury or illness and you do not curtail your trip.

• Excludes claims for ski equipment whilst in use. • You must provide written confirmation from a medical practitioner confirming that you are unable to ski.

£400

D. Piste Closure £300 Up to £30 per day for additional transport costs if you have to travel to another resort in the event of total closure of your resort due to lack of snow at your pre-booked resort.

• You must obtain written confirmation from the tour operator (or their representative) of the number of days the skiing facilities were closed in your resort and the reason for the closure.

£300

E. Avalanche Delay £500 Additional travel and accommodation costs if your transfer to or from your prebooked resort is delayed by avalanche.

• You must obtain written confirmation from the appropriate authority to confirm the period of delay.

£500

• See Section 1 - Cancellation.

£250

B. Golf Equipment Hire Up to £40 per day for the cost of hiring replacement golf equipment if your golf clubs are delayed by your carrier for more than 12 hours.

• You must obtain confirmation of the length of delay from your carrier.

£400

C. Golf Equipment If your golf clubs are lost, stolen or damaged we will cover the cost of replacement (less wear, tear and depreciation).

• Limited to £300 per single item or pair or set of items. • You must report all losses to the police within 24 hours of discovery or as soon as reasonably possible after that and obtain a written report.

£1,500

20. Winter Sports (optional) A. Ski Equipment £1,000 Loss of or damage to your own or hired ski equipment.

21. Golf Cover (optional) A. Green Fees Refund the cost of nonrefundable pre-booked green fees following the cancellation or curtailment of your trip or if you are delayed for more than 12 hours on your outward journey which prevents you from playing golf.



Policy Sections


Limits

Excess

•

£1,000

•

Business equipment or samples left unattended at any time unless in a hotel safe, safety deposit box or in your locked accommodation. Limited to £500 for business samples.


Business Equipment Delay If your business equipment or samples are delayed for more than 12 hours on your outward journey.

•


£500

Business Equipment Hire Cost of hiring replacement business equipment if your business equipment or samples are delayed or lost on your outward journey.

•


£500

Business Money Accidental loss, theft or damage to business money.

•

You must report all losses to the police within 24 hours of discovery or as soon as reasonably possible after that and obtain a written report. Money left unattended at any time unless in a hotel safe, safety deposit box or in your locked accommodation.

£1,000

Replacement Staff Reasonable additional accommodation and traveling costs for a colleague to take your place in the event of your death, total disablement or hospitalisation.

•

Claims where you or your business connections were aware of circumstances which could reasonably have been expected to give rise to the cancellation of the trip.

£1,000

22. Business Cover (optional) Business Equipment Costs of replacing or repairing any business equipment that is lost, damaged or stolen during the trip (less wear, tear and depreciation) and up to £150 for courier expenses to replace lost equipment or samples.

•


6. What is the duration of this policy? 1. Annual Multi-Trip Travel Insurance policies are valid for 365 days from the day the policy starts. 2. The maximum duration of any one trip on an Annual Multi-Trip Travel Insurance policy will be 31 days unless you have paid to extend this to 45, 60 or 90 days (maximum age limit 65) or reduce this to 24 days and this is shown in your Policy Schedule. Please note that we do not cover any part of any trip where the duration is longer than that selected. Winter Sports trips are limited to 21 days per insurance period. 3. The Annual Multi-Trip Travel Insurance policy includes cover for trips taken wholly within the UK provided that accommodation is pre-booked and pre-paid for 2 consecutive nights or more. 4. The maximum duration for any Single Trip policy as stated on your Policy Schedule up to a maximum of 185 days. 5. If you have purchased an Annual Multi-Trip Travel Insurance policy we will write to you prior to the expiry date to advise whether we are prepared to offer renewal terms.

7. What are the cancellation rights? If this insurance is not suitable, please telephone or write to us within 14 days of receipt of your policy documents. We will cancel the policy and refund your premium in full provided that you have not already taken your trip or made a claim. We cannot refund your premium after this date. 8. How do I notify you of a claim that I wish to make? If you wish to notify us of a claim, please contact us; … in writing Write to Barclays Travel Insurance Claims, 1 Drake Circus, Plymouth PL1 1QH … by phone Telephone 0330 102 6416 9. How do I make a complaint about this insurance policy? The policy is administered on behalf of CIGNA Europe Insurance Company S.A.-N.V. by Cigna Insurance Services (Europe) Limited, who is responsible for handling complaints regarding this insurance product. Cigna aims to give customers a high standard of service at all times. If you are unhappy with the service provided for any reason or have cause for complaint, please contact:


Please note that this new EU service facilitates contact only. It doesn’t provide any other complaints service. You can find this platform at: http://ec.europa.eu/odr Please quote our e-mail address: customerrelations.plymouth@ cignainsurance.co.uk

Post: Barclays Travel Insurance Customer Relations Department, 1 Drake Circus, Plymouth PL1 1QH. Telephone: 0330 100 7701. For your protection calls may be recorded and may be monitored. Email: [email protected] If we cannot resolve your complaint to your satisfaction, you may be entitled to refer it to the Financial Ombudsman Service. Alternatively - online sales only Although contacting us directly is the quickest way to complain, the European Commission has set up an online platform where consumers in all EU countries can register a complaint. This can only be used for complaints about purchases made online.

10.Is CIGNA Europe Insurance Company S.A.-N.V. covered by the Financial Services Compensation Scheme (FSCS)? CIGNA Europe Insurance Company S.A.-N.V. is covered by the Financial Services Compensation Scheme. This provides compensation in case any of its members go out of business or into liquidation and are unable to meet any valid claims under its policies. Further information can be obtained from the Financial Services Compensation Scheme (www.fscs.org.uk) or by contacting the FSCS at 10th Floor, Beaufort House, 15 St Botolph Street, London EC3A 7QU or by calling 0800 678 1100 or 020 7741 4100.

The Online Dispute Resolution service (ODR) directs your enquiry to our Customer Relations Team who will handle it in the usual way. It will also let you know that the Financial Ombudsman Service (FOS) is the UK’s dispute resolution body for insurance.

Further Important Information regarding this policy. This policy is administered by Cigna Insurance Services (Europe) Limited, authorised and regulated by the Financial Conduct Authority and registered in England & Wales No. 4617110, Financial Services Register number 310671. Registered Office: Chancery House, St Nicholas Way, Sutton, Surrey SM1 1JB.

This policy is underwritten by CIGNA Europe Insurance Company S.A.-N.V., registered in Belgium with limited liability (Brussels trade register no. 0474624562), Avenue de Cortenbergh 52, 1000 Brussels, Belgium. Subject to the prudential supervision of the National Bank of Belgium, Boulevard de Berlaimont 14, 1000 Brussels (Belgium) and to the supervision of the Financial Services and Markets Authority (FSMA), rue du Congrès 12-14, 1000 Brussels (Belgium), in the field of consumer protection and subject to limited regulation by the Financial Conduct Authority. Details of the extent of our regulation by the Financial Conduct Authority are available on request.

You can check this information on the Financial Services Register by visiting the website https://register.fca.org.uk/ or by phoning 0800 111 6768 or 0300 500 8082. For your protection, calls may be recorded and may be monitored.

BARTRVKF (08-17)

Insurance

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