SURREYPOLICE FEDERATIONINSURANCE BENEFITS TRUST

SCHEME BENEFITSEffective from 1 April 2019

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PRIVACY NOTICE(ALSO KNOWN AS “FAIR PROCESSING NOTICE”)

How will we use the information you give us?We will only use your information on the basis that it isnecessary to administer your insurance contract or helpyou make a claim. Where we need to pass informationto other firms, it will only be for that purpose. Thesefirms will be Insurers, other insurance brokers, firmshandling claims, finance providers and firms thatprocess or administer our records, includingFederations/Trust Administrators.When we contact you, it will either be for the abovereason, or because we have a legitimate interest inmarketing related products. For any other marketing itwill only be with your consent and you will be able towithdraw your consent or unsubscribe easily at any time.If we have to transfer information to a third countryoutside the EU, we will only do so if a similar level ofprotection applies. If we need to obtain information whichis by nature sensitive, we will only do so on the basis thatit is in the public interest - for example to fight crime,prevent fraud or to make sure insurance is available.

What type of personal information do we need?- We may need personal details which might include details of lifestyle, family, finances, business or education.- We will only collect what is necessary and will only keep it for as long as we are required to do in line with our data retention policy.

What other types of information do we need?- Under certain circumstances we may also need to obtain information about Race or Origin, Gender, Religion, Health, Politics, Genetics, Trade Union Membership, Sex or Sexual Orientation.- We might also need details of criminal convictions.- We will only collect what is necessary and protect it with appropriate security measures.

How do we obtain your information?- We may gather it from information you submit to a website, by telephone, mail, face to face or by email.- We may receive it from insurers, other insurance brokers, firms handling claims, finance providers and firms that process or store our records, including Federations/Trust Administrators.

What are my legal rights?- You can obtain a copy of your personal information from us without charge by contacting us at the address above. This may include the right to transfer information to other providers.- You have the right to ask us to correct information.- You have the right to ask us to delete your information or stop using it, unless it is necessary for us to retain it for insurance or financial purposes as set out in our document retention policy.- You may have the right to object if decisions about you are made solely by a computer.- You have the right to complain to the Information Commissioner at www.ico.org.uk

Telephone number0303 123 11132

Data ControllerPhilip Williams & Company35 Walton RoadStockton HeathWarrington WA4 6NW

Contact for queries Janice Dunkerley01925 604421janiced@philipwilliams.co.uk

Privacy Notice Apr2018 v2

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SERVING MEMBER AGED UNDER 65Life Insurance £100,000Terminal Prognosis Advance on Life Insurance* 20% of sum insuredChild Death Grant £2,000Permanent Total Disablement (any occupation) £80,000Permanent Total Disablement (usual occupation) £40,000Permanent loss of two limbs, eyes, speech or hearing (both ears) £80,000Permanent loss of one limb, eye, or hearing (one ear) £40,000Temporary Total Disablement excluding first 7 days (due to an accident & PTSD) £21 per week (max 104 weeks)Permanent Disabling Injuries (depending upon severity) % ScaleOn-Duty Assault benefit

Firearm £1,500Knife/Sharp instrument £750

Unsociable Hours Benefit (2 weeks excess, Payable for 24 weeks) 7.5% of basic scale hourly rateDental Injury & Emergency IncludedReg 28 Sick Pay Benefit - Half Pay (for up to 26 weeks) 15% scale pay

- No Pay (for up to 26 weeks) 25% scale pay Critical Illness £20,000Child Critical Illness £3,000GP24 FamilyWorldwide Travel Policy FamilyRedArc Plus FamilyMobile Phone IncludedLegal Expenses IncludedMotor Breakdown Cover (UK and Europe) Member & PartnerCALENDAR MONTHLY PREMIUM £21.95

COHABITING PARTNER AGED UNDER 65Life Insurance £50,000Terminal Prognosis Advance on Life Insurance* 20% of sum insuredCritical Illness £5,000Child Critical Illness £1,000Child Death Grant £2,000Dental Injury & Emergency IncludedCALENDAR MONTHLY PREMIUM £6.20

*Terminal Prognosis Advance only available for members aged 63 and under

SERVING MEMBER BENEFITS

The price includes an additional contribution to the Insurance Trusts to pay for administration of the schemeand other member benefits as determined by the Scheme Trustees.

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RETIRED MEMBER BENEFITS

RETIRED MEMBER AGED UNDER 60Life Insurance £50,000Terminal Prognosis Advance on Life Insurance* 20% of sum insuredPermanent Total Disablement (any occupation) £10,000Permanent loss of two limbs, eyes, speech or hearing (both ears) £10,000Permanent loss of one limb, eye, or hearing (one ear) £5,000Dental Injury & Emergency IncludedGP24 FamilyWorldwide Travel Policy FamilyRedArc Plus FamilyLegal Expenses IncludedMotor Breakdown (UK & Europe) Member & Partner CALENDAR MONTHLY PREMIUM £27.25

RETIRED MEMBER AGED 60–64Life Insurance £25,000Terminal Prognosis Advance on Life Insurance* 20% of sum insuredPermanent Total Disablement (any occupation) £10,000Permanent loss of two limbs, eyes, speech or hearing (both ears) £10,000Permanent loss of one limb, eye, or hearing (one ear) £5,000Dental Injury & Emergency IncludedGP24 FamilyWorldwide Travel Policy FamilyRedArc Plus FamilyLegal Expenses IncludedMotor Breakdown (UK & Europe) Member & Partner CALENDAR MONTHLY PREMIUM £27.25

RETIRED MEMBER AGED 65–69Life Insurance £5,750GP24 FamilyWorldwide Travel Policy FamilyRedArc Plus FamilyLegal Expenses IncludedMotor Breakdown (UK & Europe) Member & PartnerCALENDAR MONTHLY PREMIUM £27.25

*Terminal Prognosis Advance only available for members aged 63 and under

The price includes an additional contribution to the Insurance Trusts to pay for administration of the scheme andother member benefits as determined by the Scheme Trustees.

COHABITING PARTNER AGED UNDER 60Life Insurance £25,000Terminal Prognosis Advance on Life Insurance* 20% of sum insuredDental Injury & Emergency IncludedCALENDAR MONTHLY PREMIUM £8.20

COHABITING PARTNER AGED 60–64Life Insurance £12,500Terminal Prognosis Advance on Life Insurance* 20% of sum insuredDental Injury & Emergency IncludedCALENDAR MONTHLY PREMIUM £8.20

COHABITING PARTNER AGED 65-69Life Insurance £3,000CALENDAR MONTHLY PREMIUM £8.20

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IMPORTANT INFORMATIONAPPLICABLE TO ALL BENEFITS

Applying to joinServing officers and police staff canapply to join the scheme at any timeby completing a medical underwritingapplication form which is availablefrom the Federation Office. Newstudent officer recruits to the policeservice may join the scheme withoutthe need for the completion of themedical underwriting application formand their first 52 weeks of service arefree of charge. The Trustees and/orPhilip Williams & Co reserve the rightto decline any applications.

Subscription collectionSubscriptions are collected monthlyby deduction direct fromsalary/pension unless that is notpossible when alternativearrangements may be agreed.Monthly subscription payments mustbe maintained in order to remain amember of the schemeand to qualify for any benefits.

InsurersA list of the insurers is available onrequest. Full policy wordings forcertain policy sections are available todownload via QR codes. These mayalso be available at the FederationOffice, on the Federation Website orby visiting the Group Scheme sectionof www.philipwilliams.co.uk

How to cancel your coverIn the event that you need to cancelyour cover please contact theFederation Office.

Cohabiting Partner ExtensionsAny cohabiting partner extension willcease when the Serving member orcohabiting partner reach 65 years ofage (70 years for retired members),whichever is the sooner. Anycohabiting partner cover and/orextension will cease when themember ceases to be a memberof the scheme.

Career breaks, maternityleave, secondment or livingoverseasThose going on a career break,maternity leave, secondment or areliving overseas must contact theFederation Office to identify if covercan be maintained.

Retirement fromthe Police ServiceServing officers upon retirement mayremain in the scheme as a retiredmember by submitting a completedmembership continuation form to theFederation Office prior to retirement.

Individuals are not eligible to join thescheme after their retirement date.

Transfer, resignationor dismissalMembers who transfer, resign or aredismissed from the police service arenot eligible to remain in the schemeand all membership and benefits willcease including any cohabitingpartner extension.

Complaints procedureThis Insurance Scheme is arranged on behalf of the trusteesby Philip Williams and Company who are authorised and regulated by the FinancialConduct Authority (Registration Number 308860). The trustees are responsiblefor organising the policies and dealing with the insurance broker. Any complaintsabout any aspect of the scheme should in the first instance be directed to theFederation Office. The insurance broker will then be asked to investigate thecomplaint and resolve any matter either via the Federation Office, directly withthe member, or through the appropriate underwriting organisation.

Therefore if you have any complaints about the Federation Insurance Schemeplease contact the Federation Office on

01483 630 289 Internal 30289Or simply write, giving details of your complaint to: Surrey Police FederationOffice, 13 Munstead View, Mount Browne, Guildford, Surrey, GU3 1HG

Should you remain dissatisfied then you may ask the Financial Ombudsman toinvestigate your complaint. Please contact the Financial Ombudsman Service bytelephoning 0300 123 9123 or by downloadingthe complaint form from www.financial-ombudsman.org.uk

FINANCIAL SERVICES COMPENSATION SCHEMEIn the event that an insurer is unable to pay a claim you may be entitled tocompensation from the Financial Services Compensation Scheme if an insurercannot meet its obligations. This depends on the type of insurance and thecircumstances of the claim. Information can be obtained on request, or by visitingthe Financial Services Compensation Scheme website at www.fscs.org.uk

This booklet is a summary only. The benefits are subject to certain exclusions and policy conditions notstated in this booklet which in the event of a claim will be applicable. The benefits are provided strictly underthe terms of the insurance policies taken out by the trustees of the scheme. Subscription to the schemeentitles the member to the benefits provided by the scheme but confers no ownership of any of theunderlying policies which are vested in the trustees. The Insurance Scheme is an Independent Trustmanaged by the Trustees. The Trustees pay the Federation for the Federation Staff/Office to administer theInsurance Scheme on their behalf.The trustees retain the full policy wording detailing all benefits andexclusions which may be viewed on request to the Federation Office.

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EXPLANATION OF BENEFITS

Life insuranceOn death of a member or subscribing cohabiting partnerthe cash benefit will be paid. The policy is written inTrust so that if a member dies, the proceeds can be paid,by the Trustees, to the member's dependants quicklyfree of tax and without having to wait for probate.Members should ensure that they have an up-to-datebeneficiary nominated and have lodged the details withthe Federation Office, to assist the Trustees in the eventof a claim. If a member aged 63 or under receives aterminal prognosis of 12 months or less, they may applyto the Trustees for an advance of the death benefit of20% of the relevant sum insured.

Child Death GrantThis benefit is paid upon the death of a dependant childof a member, aged between six months and 17 years.

Permanent total disablement (any occupation)Payable when a member is unable to performany gainful employment and is unable to existindependently, requiring continual supervision foractivities of daily living, as a result of an accident.

Permanent total disablement(usual occupation as a Police Officer)Permanent Total Disablement such that the Memberis unable to perform their usual occupation as aPolice Officer

Accidental Loss of Use and Permanent DisablingInjuries Benefit Variable Benefits paid in the event of:- - Loss of sight in one or both eyes- Loss of use of one or more limbs- Total loss of hearing in one or both ears- Loss of Speech- Temporary Total Disablement

Unsociable Hours BenefitIf, as a result of a period of Temporary TotalDisablement, a Benefit Participant suffers a loss ofUnsociable Working Hours Pay, we will pay 7.5% of thebasic scale hourly rate that would otherwise have beenreceived, up to the following maximum benefits: Constables £60 per weekSergeants £75 per weekInspectors £95 per weekChief Inspectors £95 per week

Policy will not pay for scheduled unsociable hours forthe first 14 days of each period of disablement and ispayable for up to a maximum of 24 weeks.

Documents can be downloadedby visiting the Group Schemesection of our websitewww.philipwilliams.co.ukor by scanning the QR code.

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Documents can be downloadedby visiting the Group Schemesection of our websitewww.philipwilliams.co.ukor by scanning the QR code.

On-Duty Assault benefit as a Result ofFirearms or KnivesIf a serving police officer sustains accidental bodilyinjury in the course of duty directly caused by thedischarge of either firearms or shotguns or caused byassault involving a knife and as a consequence of theinjuries is unable to work for a period of at least 14consecutive days immediately after the attack thepolicy will pay: (a) £1,500 as a result of Firearm(b) £750 as a result of knife/sharp instrument injuries

Dental injury and EmergencyThis policy provides cover for Dental Expenses in theevent of:- Dental Injury- Emergency Dental Treatment- Dentist Call-out Fees- Hospitalisation- Mouth CancerDefinitions are shown in the full policy wording.

Making a Dental ClaimNo prior authorisation is required. Undergo thetreatment, pay the dentist direct, and subsequentlysubmit a claim. Please ensure that proof of treatmentand receipts of costs are obtained. Claim forms areavailable from the Federation Office.

Sick Pay Benefit (Regulation 28 cover)If a member suffers a pay cut under regulations orterms of employment, the benefits illustrated on thescheme benefits table will become payable after 26weeks absence.

The benefit ceases on return to work or if the memberretires, resigns, is discharged from the police service,or fails to pay the monthly scheme subscription. Inaddition the benefit shall not be payable if the memberhas been offered reasonable adjusted duties with areturn to full pay and has declined such duties withoutreasonable cause.

Any overpayment due to a reversal in the decision bythe employer which results in a resumption of pay(including any back payment) or due to a failure by themember to inform the insurers of a return to workmust be repaid in a prompt and timely manner.

Documents can be downloadedby visiting the Group Schemesection of our websitewww.philipwilliams.co.ukor by scanning the QR code.

The benefit will be payable if a member, member's subscribing cohabiting partner or their dependantchild, aged from 30 days to 17 years, suffers from an insured illness and survives for more than 14days from the date of diagnosis or surgery.

Please refer to the policy wording for full definitions of the illnesses covered.

A pre-existing conditions exclusion applies together with other terms and conditions.

- Alzheimer’s disease – resulting in permanent symptoms- Aorta graft surgery – for disease- Bacterial Meningitis- causing inflammation of membranes of the brain or spinal cord - Benign brain tumour – resulting in permanent symptoms- Blindness- Cancer - Coma – resulting in permanent symptoms- Coronary artery bypass grafts- CJD- Deafness- Heart Attack- Heart valve replacement/repair - HIV/Hepatitis B

- Kidney Failure - Loss of hand or foot- Loss of speech - Major organ transplant- Motor Neurone Disease- Multiple Sclerosis – with permanent symptoms- Paralysis of Limbs- Parkinson’s Disease- Severe burns- Stroke- Traumatic Head Injury

For an individual insured person Critical Illness Benefit ispayable once only in respect of conditions in a commongroup. For this purpose certain illnesses belong to morethan one group.

CRITICAL ILLNESS

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REDARC PLUS

A telephone support service which provides access to a Personal Nurse Adviser for you and yourcohabiting family, to provide support in the event of:- Serious Illness- Bereavement- Long Term Disability- Stress- Telephone Support for people when discharged from hospital

Your Personal Nurse Adviser will be able to assist with:- Help in understanding the condition and all its implications- Explain options for treatment- Help to prepare for consultants appointment- Explain medical terms in simple everyday language- Help families to cope with consequences of illness- Information and advice on home adaptations/specialist equipment- Source suitable equipment & medical aids- Provide information on entitlements from NHS- Helping you to make as speedy a recovery as possible by providing suitable information and helping to navigate into the appropriate services- Provide good long term management of your condition- Simply a listening ear when you are feeling low, or want to talk to someone who is not emotionally involved

At the discretion of the nurse, when clinically necessary in certain circumstances they may be able to arrange extra help.

The RedArc service is free of charge and confidential. If you think you may be eligible you should ring RedArc on

01244 625 180in normal business hours.

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GP24

The GP24 service provides you with unlimited 24/7 access to a practising UK-based GP fromwherever you are in the world. Consultations are available 24/7 by phone or by video consultation.Includes cohabitating family.

Our experienced GPs are able to provide diagnosis, advice, reassurance or a second opinion. Should the GP feel youwould benefit from prescription medication they can arrange and electronically authorise private prescriptionmedication, where the medication will be delivered to you at any UK based address the next working day. The costof the drugs are chargeable at wholesale rates which will be told to you before they are issued. Where appropriatethe GPs can issue private Open Referral letters and Private Fit Notes. Each consultation is secure and confidentialand there is no limit to the number or length of consultations. Please note that some employers may not acceptPrivate Fit Notes.

To book a GP Consultation 24/7 please call:

0345 222 3736or if overseas

+44 (0)161 468 3789Or access services via the web app: http://philipwilliams.gp24.co or via QR Code

Services available in the web app:- 24/7 GP telephone consultation service- Video Consultation service Open 7 days a week, GMT: Monday* – Friday: 08:00 – 22:00 Saturday: 08:00 – 20:00 Sunday: 10:00 – 18:00 *Excluding UK bank holidays - Message Dr- Request an Appointment- Health Information- Services near you- Store your medical notes

How to save the web app:

GP24 is provided to you by Medical Solutions UK Ltd. Specialists in 24/7 private GP services with over 20 years of experience.

For more information on our prescribing and referral processes, including example medication and postage and packaging costsplease visit: https://www.medicalsolutions-uk.com/prescriptions-and-referrals/

Consultation Terms and Conditions: https://www.medicalsolutions-uk.com/gp-consultation-terms/Privacy Policy: https://www.medicalsolutions-uk.com/privacypolicy/

iOS DeviceIn the Safari web browser navigate to the web app link above. Then click theicon shown left and select ‘Add to Home Screen’ and then ‘Add’.

Android DeviceIn the web browser navigate to the web app link above. Then click the iconshown left and select ‘Add to Home Screen’.

Laptop/Desktop - PCRight click with the mouse to display the menu and select ‘Create Shortcut’.

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Documents can be downloadedby visiting the Group Schemesection of our websitewww.philipwilliams.co.ukor by scanning the QR code.

This policy covers the member, their cohabitingpartner and any number of their unmarrieddependant children under 23 years if in full timeeducation, all normally resident in the familyhome, for any number of trips in any year up to60 days per trip. It covers travel worldwide and inthe United Kingdom.

The main sections of cover are:- Cancellation and curtailment up to £5,000- Emergency medical expenses up to £5,000,000- Personal Baggage up to £1,500- Personal Money up to £500- Public liability up to £2,000,000- Personal Accident up to £20,000.

Other benefits are included. Please see travel policy forfull details.

In the case of a medical emergencyplease contact our nominatedemergency service, EmergencyAssistance Facilities, on+44 (0) 203 829 6745They are open 24 hours a day,7 days a week, 365 days a year.Please quote RTZEP/40064-02-2019

Other claims should be reported toClaims Settlement Agencies Ltd

01702 553443(9am–5pm Mon–Fri)

To download a claim form please visit www.csal.co.uk308 London Road, Hadleigh, Benfleet, Essex, SS7 2DD

We are now able to offer you the facility to submit yourclaim online which is the fastest and easiest way tomake a claim at:www.submitaclaim.co.uk/surThe process should take approximately 10–15 minutesto complete (depending on the type of claim), butbefore continuing you should ensure you have yourpolicy certificate, trip dates, supporting documentationand details of the incident.

Main conditions and exclusionsThe policy will not cover you if any of the following applyto you or travelling companion at the policy start dateand each time you make arrangements for a trip.1. You/they were travelling against the advice of amedical practitioner or in order to get medical treatmentabroad.2. You/they have been diagnosed as having a terminalillness unless declared to us 3. You/they are on a waiting list for surgery, treatmentor investigation at a hospital or are awaiting the resultsof hospital tests or investigations Unless declared and accepted by us.

If there is any change in a person's health between thedate the policy is issued and the start date of a trip youmust still comply with the important conditions relatingto health. If you are unsure please notify VoyagerInsurance on 01483 806816 immediately.

An excess of £50 is applicable for most policy sections.The excess is payable per person, per section, perinsured incident subject to a maximum of £100.

There are significant limitations and exclusions of coverfor property, including valuables and money, that is leftunattended or out of your immediate control andsupervision. Please also note the requirements fornotifications of loss/theft and the need for reports.Full policy terms and conditions have been madeavailable. If you require further copies please contactthe Federation Office.

WORLDWIDE TRAVEL POLICY

If you need to speak to a GP whilstabroad, remember to use the GP24Service as detailed on page 11

LEGAL EXPENSES

Documents can be downloadedby visiting the Group Schemesection of our websitewww.philipwilliams.co.ukor by scanning the QR code.

Some important facts about the Professional Fees policy are summarised below. This summary doesnot describe all of the terms and conditions of the policy. All references to the cover provided arecontained within the full policy wording. Please note that a full policy wording is available for yourinspection at the Federation Office upon request.

Legal helplineThere is a 24 hour legal helpline and this can be contacted on

telephone number 01384 889 547for initial advice and further instructions in how to make a claim.Please quote scheme number LES/256/1963

Identity Theft Assistance and Claims 01384 377000

Debt Advice Helpline 01384 884085

Arranged by Legal Insurance Management Ltd.

Section of cover1. Criminal Prosecution Defence(£185,000)2. Personal Injury(£100,000)3. Residential Protection(£100,000)4. Peaceful Occupation(£100,000)5. Consumer Protection(£100,000)6. Data Protection(£100,000)7. Uninsured Loss Recovery & Motor Prosecution Defence(£100,000 but limited to £2,500 in providing representation followingthe seizure of a vehicle as a result of incorrect information being onthe Motor Insurance Database and £5,000 for Motor Defence claims)8. Discrimination(£100,000)9. Probate(£100,000)

10. Employment(£100,000)11. Fund Trustee Defence(£100,000)12. Representation at Public Enquiries(£100,000)13. Independent Office for PoliceConduct investigations(£100,000)14. Disciplinary Hearings(£20,000)15. Bankruptcy and Debt Advice(£1,000)16. Education(£100,000)17. Taxation(£100,000)18. Identity Theft(£100,000)19. Assistance

Beneficiary/beneficiariesIn respect of Sections 3, 4, 11, 12, 13, 14, and 15 the MemberIn respect of Section 1, 9 and 16 the Member and the Member’s cohabiting partnerIn respect of Sections 2, 5, 6, 7, 8, 10, 17, 18, and 19 the Member and:i) the Member’s cohabiting partner ii) children including stepchildren adopted children foster children and grandchildren normally resident with the Memberiii) the parents and grandparents of the Member and the Member’s cohabiting partner normally resident with theMember.

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UK AND EUROPEAN MOTOR BREAKDOWN

Comprehensive motor breakdown cover for youand your cohabiting partner including:- Roadside Assistance/Recovery- Home Assist- Alternative Travel- Emergency Overnight Accommodation- Misfuel Assist- Message Service- Keys

Your Cover If a Vehicle in which you or your cohabiting partner aretravelling suffers a Breakdown due to a mechanical orelectrical failure, flat tyre, lack of fuel, misfuel, Accident,theft, vandalism or fire, service will be provided. We willprovide cover for any Breakdown in accordance with thepolicy wording.

How to make a claim Call the 24 hour Control Centre on

01384 885 156For assistance in mainland Europe please call

+44(0) 1384 885 156Please have the name of the covered member,your return telephone number, vehicle registrationnumber and precise location available whenrequesting assistance.

Covered Vehicle The car, motorcycle, campervan, motorhome (includingdomestic vans up to 3.5 tonnes), or car-derived vanwhich You or your cohabiting partner are travelling in/on at the time of the Breakdown including any towedcaravan or trailer of a proprietary make which is fittedwith a standard towing hitch and doesn’t exceed7 metres/23 feet (not including the length of the A-frame and hitch).

Claims will be validated with the Police Federation, orother such administrative organisation, with costs forclaims from non-eligible persons being the responsi-bility of the claimant.

Cover will apply during the period of insurance andwithin the territorial limits. There is no age limit to thevehicle for breakdowns occurring in the UK. A vehicleage limit of ten years applies outside the UK.

Documents can be downloadedby visiting the Group Schemesection of our websitewww.philipwilliams.co.ukor by scanning the QR code.

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Documents can be downloadedby visiting the Group Schemesection of our websitewww.philipwilliams.co.ukor by scanning the QR code.

Covered individualsThis cover is provided for:- Serving members only

Please note that this policy does not cover Partners,Retired Members or mobile phones used by members'children, even if the bill is paid by the member.

Cover applies to UK residents only.

Claims notificationIf you need to make a claim please contact BrightstarInsurance Services B.V. (UK Branch), Weston Road,Crewe, CW1 6BU.

Telephone number0344 412 0982Please refer to full policy terms and conditions priorto making a claim.

Your mobile phone is covered against the repair orreplacement cost of your mobile phone in the event of:- theft- accidental loss - accidental damage- breakdown whilst in your possession

The liability of the insurer in respect of any one claimand in aggregate for any 12 month period will be therepair or replacement cost of the mobile phone and inany event shall not exceed a total claim cost up to amaximum of £1000 including VAT.

A £75 excess is payable per claim.

The mobile phone should have a fully functioning SIMcard and be no more than 8 years old at the time of theincident as evidenced by the relevant proof ofownership. Upon acceptance of a claim, the insurer mayat its discretion repair or replace your mobile phone.Replacement may be with a refurbished unit or afunctionally equivalent product. This is NOT a new forold policy.

If the claims administrator replaces your mobile phone,your original item becomes the insurer’s property andthe replacement mobile phone is your property, withcoverage for that item continuing for the remainingperiod of insurance.

The maximum liability limit includes cover of up to £750including VAT for unauthorised data usage for a periodof up to 24 hour directly following a valid theft oraccidental loss claim.

Please note any claim involving theft or accidental lossmust be reported to the appropriate police authoritieswithin 48 hours.

In addition to proof of ownership, verification ofmembership will be required before a claim can beprogressed.

MOBILE PHONE

35 Walton Road, Stockton Heath,Warrington, Cheshire WA4 6NW

Tel 01925 604 421Fax 01925 861 351www.philipwilliams.co.uk

Philip Williams and Company are authorisedand regulated by the Financial Conduct Authority.

PWI2148 - 03/19 v5

USEFUL TELEPHONE NUMBERS

Federation Office 01483 630 289 Internal 30289

Worldwide Travel Insurance Policy Number RTZEP/40064-02-201924hr Emergency Assistance +44 (0) 203 829 6745Non-Emergency Claims 01702 553 443 www.submitaclaim.co.uk/sur

Motor Breakdown Cover (UK) 01384 885 156 (Europe) +44 (0)1384 885 156

Legal Expenses 01384 889 547 Policy Number - LES/256/1963

GP24 0345 222 3736or if overseas +44 (0) 161 468 3789

RedArc Plus 01244 625 180

Mobile Phone Cover 0344 412 0982

Philip Williams and Company 01925 604 421

This Scheme is subject to annual review. It incorporates covers which the Trustees believe are beneficial to the majority of Members.The Trustees reserve the right to amend or remove cover as they deem appropriate. It is your responsibility to ensure that you are inpossession of the up to date literature.