tsb gold travel insurance policy booklet

Lloyds Bank Travel Insurance Your policy booklet - June 2016 edition

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Reward Black account insurance cover

On this page:

What's included?

Your Premier Reward Black account has a great range of insurance cover to protect you at home or abroad:

Worldwide travel insurance

Mobile phone insurance.

UK & European car breakdown cover

24/7 Home Emergency Service

Policy underwritten by Aviva Insurance Limited

What's included in your cover.

You’re automatically covered but we recommend that you register your phone to make the claims process quicker.

Worldwide cover for your mobile phone against loss, theft, accidental damage or breakdown (once your manufacturer's or any other relevant warranty has expired). Please note if you're outside the UK we won't repair or replace your phone until you return.

Four approved claims during any 12-month period.

Standard accessories that are lost, stolen or damaged at the same time as your phone, are covered up to £250.

Things to remember

Devices with a screen size more than 7 inches are not covered.

Covers the phone used on a daily basis by you, your partner and/or your children under 18 years old who live at home with you (under 23 years old if they are still in full time education and living at home with you outside term time). There is no cover for phones owned by your employer.

There is a £100 excess for each approved claim when your phone is replaced. There is a £50 excess for each approved claim when your phone is repaired.

Replacement phones are refurbished handsets in ‘as new’ condition using genuine manufacturer parts.

Repairs use genuine manufacturer or manufacturer quality parts.

What's not covered

• No cover if you deliberately put the phone at risk or left it visible in an unattended vehicle.
• No cover for information or apps stored on the phone.
• No cover for any costs resulting from unauthorised use.

How to make a claim

  Claims should be reported as soon as possible when theft, loss, damage or breakdown is discovered.

If your phone has been lost or stolen, you must report it your network provider as soon as is reasonably practicable after the event.

If your phone has been stolen, you must report it to the police and request a crime reference number.

We won't pay any claim where you do not provide the IMEI number or the IMEI number you provide is currently recorded as lost or stolen.

Register your claim online

Call us on:

UK: 0345 601 7188 Relay UK:  18001 0345 601 7188

Lines are open: 8am-8pm Monday to Friday. 9am-6pm Saturday, 10am-5pm Sunday.

Bank Holidays will be opened during the same hours noted excluding Christmas Day and New Year's Day.

Protection for your most precious gadget

Many of us run our lives on our mobiles. Our mobile phone policy covers loss, theft, accidental damage and breakdown (once your manufacturer's or any other relevant warranty has expired).

Love travel? Your Premier Reward Black account comes with worldwide travel insurance, providing cover for you and your eligible partner and dependent children for trips up to 90 days, including 31 days for winter sports. The policy also has up to £10 million emergency medical expenses cover (underwritten by AWP P&C SA and administered by AWP Assistance UK Ltd trading as Allianz Assistance).

Car breakdown cover

Provided by automobile association developments limited (trading as aa breakdown services).

All your vehicles are covered - Your policy covers any privately registered vehicle you travel in, anywhere in the UK and Europe. It also covers your vehicle if it is being driven by someone else with your permission.

Roadside Assistance - Anywhere in the UK and Europe.

At Home - Get help when your vehicle won't start at home.

National Recovery - If the AA can't get your vehicle going, they'll take you and your vehicle to a destination of your choice.

Onward Travel - If your vehicle can't be fixed at the roadside, the AA can help you complete your journey. This may be by arranging a replacement vehicle, booking you a night's accommodation or funding alternative transport costs (i.e. rail fares) where appropriate.

Accident Assist - A 24/7 accident claims service. The AA will handle your insurance claim - at no additional cost - no matter which company insures you.

Full details on car breakdown cover

Main exclusions of your cover

Doesn't cover any repair costs once the insured vehicle has been transported to a garage or repairer.

Repeat call-outs for the same fault within 28 days won't be covered.

All vehicles must meet legal requirements - insured, taxed and with a valid MOT.

All vehicles must be within 3.5 tonnes, no wider than 2.55m, and in Europe no longer than 7m or higher than 3m. Motorbikes under 200cc are not covered in Europe.

Contact details

In the event of a breakdown, please register and track this on  the AA app  or call:

UK:  0345 601 7188 Relay UK:  18001 0345 601 7188 Europe:  +44 (0) 345 601 7188

Cover for your car at home and abroad

The AA provide our UK & European breakdown cover and includes getting you to a destination of your choice if they can't get your vehicle going again.

Home emergency service

Cover underwritten by u k insurance limited.

Covered up to £750 including VAT.

Cover applies for two homes – your main residence and any second you own in the UK (excluding properties you rent out).

The home must be owned by you and be your permanent, or secondary, private place of residence. 

Your home must be in the United Kingdom or the Isle of Wight.

External water supply pipes.

Boilers over 10 years old, or with an output over 75kw.

Any emergency, if your home has been unoccupied for more than 60 consecutive days.

Detached garages and outbuildings.

Homes in Northern Ireland, the Channel Islands, the Scilly Isles and the Isle of Man.

Your Home Emergency cover is not a household buildings or contents insurance policy, or an equipment maintenance contract.

  If you suffer an Emergency at your Home please call us on:

Telephone:  0345 601 7188 Relay UK:  18001 0345 601 7188

Emergency cover for your home, day or night

You're covered for two homes in the UK (excluding properties you rent out) up to £750 including VAT. We only use approved repairers to give you peace of mind.

Your Premier Reward Black account documents

Please take some time to review, print and/or save a copy of these.

• Black Travel Insurance Policy (PDF, 406 KB)
• Black Account Benefit Terms (PDF, 476 KB)

Find an answer in our FAQs

Get an insurance quote

Need home, life, or over 50s life insurance? We’ve got you covered. Get an insurance quote by choosing the type of cover you need.  

Your options

Home insurance

Protect your home and belongings

• You can make a claim 24 hours a day, 7 days a week
• No extra charge to pay monthly
• No admin fees to add or remove cover
• We have two levels of cover for home insurance depending on your needs
• Defaqto rated for your peace of mind

Life insurance

Support your loved ones

• Provided by the UK’s Number One Life Insurance provider - Legal & General* 
• Cover from £6 a month
• Choose fixed or reducing life cover
• Free access to Wellbeing Support provided by RedArc
• Critical illness cover can be added for an extra cost when taking out cover
• Awarded five stars by Defaqto 2023

Over 50s life insurance

Help with funeral costs or a gift to loved ones

• Provided by the UK’s Number One Life Insurance provider - Legal & General*
• Cover from £5 a month.
• Guaranteed acceptance with no medical questions
• 100% of claims paid in full - most in 1 day**

We can’t give you any recommendations or advice about home insurance, it’s up to you to choose what you think best suits your needs.

Financial Services Compensation Scheme

Our home insurance is underwritten by Aviva Insurance Limited, and our life insurance and over 50s fixed life insurance is provided by Legal & General Assurance Society Limited.

They are covered by the Financial Services Compensation Scheme, which means you’ll have protection if either company fails.  

Any questions?

What is home insurance.

Home insurance provides you with some financial protection if things go wrong at home. This includes things such as theft and fire. If you have accidental damage cover, which can often be added at an additional cost, it’ll even cover you from damage caused by things like drinks or food spilled on the carpet.

There are two main types of home insurance which are buildings insurance and contents insurance. Buildings insurance looks after the structure of your house – walls, ceilings, fixtures and fittings. Contents insurance protects the things inside like your TV, furniture and valuables.

You can choose to have both buildings and contents insurance, or pick the one that’s most suitable for you.

What is life insurance?

Life insurance, which is also known as life assurance, is a way of financially helping your loved ones if you die or are diagnosed with a terminal illness while covered by the policy.

You’ll need to choose a policy that matches your needs. When you apply for life insurance, you’ll have to decide how much you want it to pay out. This could be enough to pay off the mortgage or leave your family with an inheritance.

What is critical illness cover?

This is an optional form of insurance that can be added at an additional cost when you take out life insurance.

Critical illness cover helps to support you and your loved ones financially if you’re diagnosed with a critical illness that’s covered by the policy.

This type of insurance will pay out a lump sum to help cover the cost of your treatment or to pay the bills.

Critical illness cover can pay out for a wide range of medical conditions, including strokes, heart attacks, certain types of cancer. You’ll need to check your policy to see everything that’s covered.

What is over 50s life insurance?

Over 50s Fixed Life Insurance offers guaranteed acceptance for UK residents aged 50 – 80. And, could be an affordable way to support your loved ones, if you pass away. Providing a cash lump sum, which could be used to help settle unpaid bills, contribute towards funeral costs or as a small gift to those who matter most.

Important Information

*Based on Swiss Re Term & Health Watch 2023 report

**Based on all Legal & General over 50s life insurance 2022

Terms, conditions, and policy exclusions apply.

TSB Essential and Enhanced home insurance is brought to you by TSB Bank plc and underwritten by Aviva Insurance Limited. Applications must be UK residents & aged 18+. Aviva Insurance Limited Registered in Scotland, No. 2116. Registered Office: Pitheavlis, Perth, PH2 0NH. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Life insurance, decreasing life insurance, critical illness cover and over 50s fixed life Insurance are introduced by TSB Bank plc but are provided by Legal & General Assurance Society Limited. Legal & General Assurance Society Limited is registered in England and Wales No. 166055. Registered office: One Coleman Street, London EC2R 5AA. Legal & General Assurance Society Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under number 117659. Legal & General Partnership Services Limited is registered in England and Wales number 5045000. Registered office: One Coleman Street, London, EC2R 5AA. Legal & General Partnership Services Limited is authorised and regulated by the Financial Conduct Authority under number 300792.

You can check the FCA register or call the FCA on 0800 111 6768.

TSB Bank plc. Registered office: Henry Duncan House, 120 George Street, Edinburgh EH2 4LH. Registered in Scotland, no. SC95237. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 191240.

TSB Bank plc is covered by the Financial Services Compensation Scheme and the Financial Ombudsman Service.

Calls may be monitored and recorded in case we need to check we have carried out your instructions correctly and to help us improve our quality of service. Not all telephone banking services are available 24/7.

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