smilemore current account
...enjoy the benefits
...smile more
A load of lovely stuff
2 A load of lovely stuff
Like lovely stuff? Take your pick – smilemore’s
got loads.
The recipe is simple. Take one current account and pack it full of
tasty benefits (just the useful ones, no daft stuff). Try this lot for size.
Designed to make you smile more
• Worldwide family travel insurance.
• UK & European motor breakdown assistance.
• Mobile phone insurance.
• An automatic £500 fee-free overdraft, of which £260 is
interest-free.
• Mortgage deals.
• Choice of one additional tailored benefit
(see pages 9-10).
And just to make sure…
• Co-operative Legal Services
advice helpline.
See page 8 to find out more.
Pick an additional benefit, any additional benefit...
Your account’s called smilemore for a good reason. For no additional cost you get to pick one of three great
additional benefits each year. Just choose from these three:
Credit Report
Monitoring
Airport Lounge
Passes
Enjoy added
personal security.
For airport travellers.
Protect your devices
and gadgets.
• Airport lounge passes – four
passes per year to selected airport
lounges around the world**.
• Cover against theft, damage and
breakdown (including faults) for
your registered items**.
Get ready for the off –
check in to page 10.
• Gadget accessories
cover included.
• Credit Report
Monitoring service*.
Start feeling safer – see page 11.
Gadget
Protect your gadgets –
flick on to page 10.
For more information please refer to the Policy Summaries later in this Welcome guide. Limitations apply.
A load of smart extras, just £15.50 a month. Nice!
Don’t forget! Bag yourself an additional benefit…
You have 60 days from the date you opened your account in which to register your choice by visiting
smile.co.uk/benefits or by calling 0845 602 5763. If we don’t hear from you by then we’ll automatically
allocate you with Credit Report Monitoring which will be fixed for up to 12 months. After all, we’d
rather you didn’t miss out on any extras! Limitations apply.
*Registration to activate this policy or service is required. You can do this online at smile.co.uk/benefits
Please note: Registration for Credit Report Monitoring service is online registration only.
**Registration to activate the policy is required. You can do this online at smile.co.uk/benefits or by calling 0845 602 5783.
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Worldwide Travel Insurance
Active from the moment you open your smilemore current account.
Covers you, your partner and all dependent children travelling
with you who are 22 years of age or under (including legally
adopted, legal ward/guardianship, foster and stepchildren)
who at the start date of the journey are living at your address
or have a term time address, and have no other permanent
residence unless they are residing with their other parent.
Please see the full definition of dependent children within the
policy document for full information.
• Eligible family members are only covered when travelling
with account holders.
• Existing medical conditions and medical conditions under
investigation may affect your cover.
• You must notify AXA of any relevant medical condition as
detailed within the policy document, and if this changes
notify AXA immediately. All medical conditions must be
re-notified to AXA at least every 12 months.
• Excesses may apply to claims.
•Trips involving winter sports activities are limited to
21 days in total in any 12-month period.
•There are a number of sports activities and winter sports
that are excluded. Please refer to the policy document.
•Cover under your policy will cease when you reach
80 years of age or when your current account is closed
or the policy is cancelled, whichever is the earlier.
•Cover for holidays involving winter sports activities is not
operative if you are 65 years of age or older.
•There is no cover for trips over 45 consecutive
days’ duration.
•Any trip solely within the United Kingdom is only covered
where you have pre-booked at least two nights’
accommodation in a hotel, motel, holiday camp, bed
and breakfast, holiday cottage or similar accommodation
rented for a fee.
•If it is a joint account, the first and second named account
holders can travel independently but the children are only
covered when travelling with one or both account holders.
•Missed Departure cover is for if you arrive at your
international departure point, from the UK, too late to
board your scheduled public transport.
• You are not covered for business trips.
Provided by AXA Travel Insurance and underwritten by
Inter Partner Assistance.
See terms and conditions for full policy details.
Limitations apply.
IMPORTANT! Existing medical conditions
• If you or any person travelling under this insurance has
any medical conditions, whether these are diagnosed
or not (this includes those under investigation) you may
need to notify AXA. AXA will advise you if this will
affect your cover and whether an additional premium
will apply.
• Y
ou must update AXA on existing medical
conditions every year, not just at the outset.
• You must inform AXA of any change in your health
or the health of anyone covered by the policy.
UK and European motor breakdown cover
Unless you really love engine grease and
spanners, breaking down is a pain.
The remedy is simple: your smilemore
breakdown cover is here to help you get back
on the road if something goes wrong.
It features:
• Roadside assistance to repair your vehicle.
• Personal-based breakdown cover for the named
account holder(s) NOT the vehicle.
• Recovery for up to eight people and your vehicle to
any destination within the UK.
• Breakdown assistance at your home.
• Replacement car for up to one day whilst your
vehicle is being fixed or overnight accommodation or
alternative form of transport.
Your vehicle must be roadworthy and in good
mechanical condition when you obtain cover and you
must keep it in that condition.
UK and European motor breakdown cover is provided on
behalf of smile, part of The Co-operative Bank by RAC.
Wheely important! Keep your
policy in the car…
Glove compartments – who sticks gloves in them?
Better to stick your smilemore breakdown cover policy in
there. It’s vital to have it handy should you need it.
Also, store the emergency assistance number in your
mobile: 0800 783 7396.
Also good to know
RAC has been a breakdown organisation since 1897.
• RAC has more patrols per member than any other
breakdown provider.
• RAC patrols fix four out of five cars at the roadside.
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Mobile phone insurance
Losing or damaging your mobile phone can drive you mad. And it’s even worse if your phone’s
been pinched. But the mobile phone insurance that comes with your smilemore current account
could help.
• Insures up to four handsets up to the value of £1,000 per
phone – so the family members in your household can
benefit too.
• Covers the cost of repair or replacement in the event
of theft, loss, damage and breakdown (including faults
occurring anywhere in the world).
• Includes any accessories for your mobile phone if they
are lost, stolen or damaged at the same time as your
mobile phone, you are covered for these up to a value
of £350 (including VAT). That’s cases, headphones,
Bluetooth headsets and other similar items.
• You may need to provide proof of purchase to claim under
the mobile phone insurance.
• Cover under this policy is limited to up to a maximum of
two successful claims during any 12-month period per
account holder.
• There is a policy excess payable for every successful
claim. If you have an Apple iPhone the excess is £75 and
for all other handsets it is £50.
Mobile phone insurance is provided on behalf of smile, part
of The Co-operative Bank by Lifestyle Services Group Limited
and underwritten by Assurant General Insurance Limited.
• Worldwide cover means you or your family members
needn’t worry about losing or damaging your phone whilst
abroad. Repair or replacement will be arranged upon
return to the UK.
Register your mobile phone!
To help us administer your policy more effectively and to
help simplify the claims process, you can provide us with
your mobile phone details. This can be done through
smile.co.uk/benefits or by calling 0344 249 9981.
You will need the following information when registering
your handset:
• Make
• Model
• IMEI number. The IMEI number is the unique serial
number for your mobile phone. You can find it by inputting
*#06# into your mobile phone. It should also be noted
on the documentation that came with your mobile phone
when you purchased it. Your airtime provider may also be
able to provide it to you
• Telephone number
Cover is subject to the terms and conditions which can be
viewed at smile.co.uk/benefits. Limitations apply.
sussed
Looking for a better deal on a mortgage?
The Co-operative Bank offer a competitive range of mortgages for our
smilemore customers. Speak to one of our qualified mortgage advisers for
advice on a mortgage product to meet your needs and circumstances.
Our mortgages offer:
• Products available with no booking or application fee.
• Dedicated case owning team to process your application efficiently.
• Free advice on your mortgage protection needs.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
TERMS AND CONDITIONS APPLY. EARLY REPAYMENT CHARGES APPLY.
Visit co-operativebank.co.uk/mortgages or
contact 08000 288 288 for current offer.
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Legal advice
Get help and advice on:
• employment issues
Jargon. We hate it. Bet you’re the same.
Don’t worry – you get clear advice on personal
legal problems from The Co-operative Legal
Services with smilemore.
• personal injury
• medical negligence
• property issues
• will writing
You can call our helpline on 0845 603 7035,
available 24 hours a day, 7 days a week.
• probate.
This helpline is provided by The Co-operative Legal Services. The Co-operative Legal
Services will offer clear and confidential legal advice on any personal legal issue
24 hours a day, 7 days a week. This offer may be withdrawn/amended at any point.
All the benefits that are included in your packaged account can only be taken together – please remember that even
though you may not use all of the benefits, you will still pay for them via your monthly subscription.
IMPORTANT! Your cover and charges
• You may not use or be eligible for all the benefits
available on this account, however the monthly cost will
remain the same.
• Please check to ensure if you already have Travel
Insurance, Mobile Phone cover and/or Motor
Breakdown cover in place with The Co-operative
Insurance or any other provider, even if it is part of
another bank account. If you do, you need to check
whether this product is suitable for your needs.
• Y
ou need to ensure that you are not paying for more
insurance than you need, and you must be aware that
you may only be able to make a claim on one policy at
any one time.
• The cost of the account will remain the same
regardless of whether you use any of the benefits or
not and will continue to be charged unless or until you
ask to change your account.
The Co-operative Legal Services is a trading name of Co-operative Legal Services Limited: registered in England and Wales
under Company Number 056712309. Registered Office: Co-operative Legal Services Limited, 1 Angel Square, Manchester
M60 0AG. Authorised and regulated by the Solicitors Regulation Authority under registration number 567391. A list of the
Directors is available for inspection at our Registered Office. In Scotland and Northern Ireland different laws apply and we
will refer you to one of our approved panel solicitors to provide this service.
Right, time to talk additional benefits
Choose one of three additional benefits available each year. More details
about each additional benefit is provided below – it should help you
decide which is the right one for you.
Important! Register your selection within 60 days
Once you’ve chosen your additional benefit you must register it. Remember you must
make your selection within 60 days of opening your account. We will then send you a full
information pack telling you everything you need to know. If we don’t hear from you in that
time, we’ll automatically allocate you the Credit Report Monitoring benefit which will be fixed
for up to 12 months – just to make sure you don’t miss out.
Choose from the following three additional benefits:
Credit Report Monitoring*
Airport Lounge Passes**
As well as having easy online access to your credit report,
you’ll set up a monthly monitoring service which will alert you
by text or email of any significant changes to your credit file.
• Four airport lounge passes per year, per account,
for the account holder(s) only to enjoy.
Subject to terms and conditions.
• If you wish to take guests with you, additional passes
can be purchased at £15 per person, per visit.
Subject to terms and conditions.
*Registration to activate this policy or service is required. You can do this online at smile.co.uk/benefits
Please note: Registration for Credit Report Monitoring service is online registration only.
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Gadget**
These days most of us have a few personal gadgets and gizmos.
This bundle makes sure they’re covered (but remember, you have
to register them).
• Worldwide cover up to £1,200 for digital cameras, handheld
DVD players, digital camcorders, MP3 players, portable Sat
Nav devices, games consoles and laptops, etc.
• Repair and replacement will be arranged upon return to the UK.
Maximum combined retail value of £1,200.
• Cover for theft, damage and breakdown (including faults)
occurring anywhere in the world.
• Insurance for accessories for your gadget which are stolen or
damaged at the same time as your gadget, you are covered
for these up to a value of £50 (including VAT). That’s a case,
headphones and similar.
Subject to terms and conditions.
**Registration to activate the policy is required. You can do this online at
smile.co.uk/benefits or by calling 0845 602 5783.
Read the Policy Summaries
You’ll find the Policy Summaries on the next page. They
contain details about the additional benefits to help you make
your decision. But of course, you can only choose one and
don’t forget to register it within 60 days.
You can register your chosen additional benefit at
smile.co.uk/benefits or by calling 0845 602 5783.
If you don’t register within that time, you will be automatically
allocated the Credit Report Monitoring additional benefit –
fixed for up to 12 months.
The smilemore current account additional insurance
benefits for Credit Report Monitoring, Airport Lounge
Passes and Gadget are provided on behalf of smile
(part of The Co-operative Bank) by Lifestyle Services
Group Limited and insured by Assurant General
Insurance Company Limited.
Credit Report Monitoring
Arranged by Lifestyle Services Group Limited
Online access to your
credit report
As well as having easy online access to
your credit report, you’ll set up a monthly
monitoring service which will alert you by
text or email of any significant changes
to your credit history. Giving you the
opportunity to act before any serious
damage is done.
You can use the website to:
• access the Credit Report Monitoring
service area of the website and:
– learn how important it is to protect
your personal information and how its
theft and use could affect you
– view your credit file and receive
monitoring alerts
– view tips on how to protect your
personal information
Registration and
day-to-day usage
– view useful links to organisations and
services who can help you prevent
your information being accessible
to others.
As a smilemore current account holder
you are eligible for the service. You must
register your details with us online at
smile.co.uk/benefits providing:
Or call our Benefits Helpline on
0845 604 1033.
• your name and address
Benefits Customer Services are available:
• part of your smilemore debit card
number (please have your debit card
to hand)
Monday – Friday
• your date of birth.
You must keep your secure log-in
details confidential.
8.00am – 8.00pm
Saturday – Sunday 9.00am – 6.00pm.
Please ensure that you quote your policy
ID and your full name and address when
you call. You will be asked security
questions to verify your identity. Calls may
be recorded or monitored for training/
customer services purposes and/or for
the prevention/detection of crime. If you
prefer, you may write to:
Benefits Customer Services
Lifestyle Services Group Limited
P.O. Box 98, BLYTH NE24 9DL
Please ensure that you quote your policy
number and your full name and address.
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Price
Cancelling the benefit
This benefit is provided as a benefit of you
being a smilemore current account holder
where you have selected the Credit Report
Monitoring option and that option remains
valid. The cost is an inclusive part of your
smilemore current account
monthly subscription.
1.You have the right to cancel the Credit
Report Monitoring service at any time,
which will have immediate effect.
However, no alternate selection will be
available until your additional benefit
renewal option is offered to you by
smile, part of The Co-operative Bank
(your current selection will be valid
for up to 12 months from the date
you select the additional benefit). As
the Credit Report Monitoring service
is provided as a benefit of you being
a smilemore current account holder
who has selected the Credit Report
Monitoring service option, if the
connected smilemore current account
is cancelled or you select another
option, access to these benefits
ends. If the additional benefit option
does not meet your requirements,
please telephone the Benefits Helpline
immediately on 0845 602 5783 or
write to:
You must be aged 18 years or over to be
eligible for this benefit.
Credit reports and monitoring
You will be able to access your online
credit report from our chosen credit
reference agency. You will be able to
receive monthly alerts of any significant
changes to your credit file by email or
by SMS text message. To obtain
your credit report, please access
smile.co.uk/benefits
Your report will be viewable securely
online, and we recommend that you save
or print a copy. Using our website will
provide real-time access. If you cancel this
benefit or close your account, access to
your credit report will end immediately.
No warranty is offered or given in relation
to the accuracy of information contained
in your credit report. If you notice entries
which you consider may be inaccurate
please contact the credit reference agency
directly to discuss these entries.
Benefits Customer Services
Lifestyle Services Group Limited
P.O. Box 98, BLYTH NE24 9DL
2.We may cancel access to this Credit
Report Monitoring service with
immediate effect by registered letter to
you at your last known address in the
event of you submitting any fraudulent
or inaccurate information, or for any
other valid reason.
3.Subject to clause 2 above, access
to this additional benefit will remain
in force for as long as you have a
smilemore current account, and this
benefit continues to be provided as part
of the account benefits.
4.In the event you do not wish to continue
this benefit, please telephone our
Benefits Helpline on 0845 602 5783.
Enquiries/Complaints
We will always be fair and reasonable.
Should there ever be an occasion when
you feel that we have not provided you
with a satisfactory level of service, we
would like you to inform us so that we can
do our best to solve the problem.
We will do everything possible to ensure
that your query is dealt with promptly.
The easiest way to contact us is to call our
Customer Relations team on
0845 602 5783. Alternatively, you can
write to us at the following address,
quoting your name, address and policy ID
in all correspondence:
Customer Relations
Lifestyle Services Group Limited
P.O. Box 98, BLYTH NE24 9DL
Our staff will attempt to resolve your query
immediately. If this is not possible, we
promise to acknowledge your query within
five working days of receiving it.
In the unlikely event that your query has
not been resolved within four weeks
of our receiving it, we will write and let
you know the reasons why, and what
further action we will take. Once we have
resolved your query, we will confirm our
response in writing.
Other information
Lifestyle Services Group Limited
Registered in England No: 5114385
Osprey House
Ore Close
Lymedale Business Park
NEWCASTLE-UNDER-LYME
Staffordshire
ST5 9QD
How we will deal with your
personal information
We are committed to preserving the
privacy of our customers. Please read the
following privacy policy to understand how
we will use and protect the information
that you provide to us. By registering with
us, you consent to the collection and use
of your information under the terms of this
Credit Report Monitoring service.
The information you provide will be used
by us to supply you with the services for
which you have registered and we may
use the information to contact you to
obtain your views on our services and
to let you know about important
changes to the services which we offer.
The information you provide to us
about you may be shared with
The Co-operative Bank and our chosen
credit reference agency. We may contact
you by post, telephone, fax, or email.
You will only be contacted by the
methods you have asked to be contacted
by. Your information will not be used or
disclosed other than in accordance with
this Credit Report Monitoring service, or
without your permission, unless required
by law.
If you would prefer us not to contact you
to obtain your views and/or you change
your mind in the future and would like us
to stop contacting you for this purpose,
please write to:
Customer Relations
Lifestyle Services Group Limited
P.O. Box 98, BLYTH NE24 9DL
We may co-operate with the police
and any other relevant authorities
or organisations in connection with
any misuse or suspected misuse of
the services provided by us or other
telecommunications services provided by
any member of our group of companies.
If necessary, we may divulge information
about you for this purpose. You have a
right to ask for a copy of the data held
about you and you may ask us to make
any necessary changes to ensure that it is
accurate and kept up to date. If you wish
to do this, please contact us on
0845 602 5783. We are entitled by law
to charge you a fee of £10 to meet our
costs in providing you with details of the
information we hold about you.
We employ security measures to
protect your information from access
by unauthorised persons and against
unlawful processing, accidental loss,
destruction and damage. We will retain
your information for a reasonable period
or as long as the law requires.
Any changes to our privacy policy will be
notified to you in the appropriate way.
All comments, queries and requests
relating to our use of your information are
welcomed and should be addressed as
specified above.
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Airport Lounge Passes
Arranged by Lifestyle Services Group Limited and provided by
Priority Pass Limited
Service Summary
Airport lounge Passes are available to
smilemore current account holders who
have validly selected the Airport Lounge
Passes option and requested airport
lounge access membership.
Airport lounge access is arranged for the
registered account holders of the eligible
smilemore account by Lifestyle Services
Group Limited utilising the services of
Priority Pass Limited.
We recommend that you read the
Service Summary below. Full terms and
conditions will be sent to you
after registration.
This service provides:
• access to over 600 airport lounges in
over 100 countries and over 300 cities
– subject to eligibility criteria
• where a participating lounge is present
and available, lounge access is
provided no matter who you are flying
with or whether you belong
to an airline programme
• access to business facilities – including
phones, email, internet, fax machines
and even conference rooms in some
lounges (where provided)
• complimentary refreshments and
snacks and the chance to relax in
peace and quiet before your flight
• annual Priority Pass membership
(which shall expire if not renewed or
if the qualifying smilemore current
account or Airport Lounge Passes
option expires or is cancelled)
• four inclusive airport lounge visits for
each membership account to enjoy,
during each period of membership
• additional lounge visits for you or your
guests will be charged at £15, including
VAT per person per lounge visit and
will be debited from your nominated
payment card.
To request membership for this
service you should:
• visit smile.co.uk/benefits
or call 0845 602 5783
Monday – Friday
8.00am – 8.00pm
Saturday – Sunday 9.00am – 6.00pm.
You will need to have the following
information to hand:
• your name and address
• your home phone number and your
mobile phone number
• your email address
• your smilemore current account
number and sort code
• your chosen method of payment (Visa
credit, Mastercard credit or Visa debit),
and payment details (card number,
issue number, start and end date and
security number) for annual usage
above the inclusive levels
• your date of birth.
When you have registered
Things to know:
Once registered, you will receive email
acknowledgement of your registration
providing you with membership details.
Further information on how to use the
service (including the lounge locations)
and your membership card will be
sent to you in the post. If you do not
receive this within seven days of your
request, please call 0845 602 5783.
• Before you go, simply check the lounge
lists in your membership booklet or
online at smile.co.uk/benefits
Lost, stolen or damaged Priority Pass
membership cards are to be reported
immediately to Priority Pass, who will
arrange for a replacement card.
There may be a charge for replacing
lost/stolen/damaged cards. Lost, stolen
or damaged cards will be deactivated
wherever possible.
• If you don’t have access to your
lounge directory don’t worry.
Simply text the three-letter airport code
to +44 7624 809 977 and we’ll send
you the lounge details, e.g. text LHR for
London Heathrow. Just ask a member
of staff at the airport information desk
for the three-letter airport code.
• Lounge listings and lounge detail
downloads are available for certain
smartphones and PDAs. Please check
your membership guide and online
members’ area for details.
• Renewal cards normally take up to a
week to create and despatch to you.
If your card is due to expire and you
wish to fly soon please let us know.
We will advise you of the best thing
to do to ensure you have continued
lounge access.
• There is no pre-booking required.
If the lounge is open, has availability
and you are eligible, you will be let in.
Relax, it’s simple.
• Admittance to the lounges is
conditional upon presentation of a valid
Priority Pass card only. Payment cards
will not be accepted as substitutes
for the Priority Pass card. All guest or
additional visits will be chargeable.
Registered Office details
Lifestyle Services Group Limited.
Registered in England No: 5114385
Osprey House
Ore Close
Lymedale Business Park
NEWCASTLE-UNDER-LYME
Staffordshire
ST5 9QD
Priority Pass Limited.
Registered in England No: 2728518
520 Fulham Road
LONDON
SW6 5NJ
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How we will deal with
your personal information
We are committed to preserving the
privacy of our customers. Please read the
following privacy policy to understand how
we will use and protect the information
that you provide to us. By registering with
us, you consent to the collection and use
of your information under the terms of this
privacy policy.
The information you provide will be used
to supply you with the services for which
you have registered and we may use the
information to contact you to obtain your
views on our services and to let you know
about important changes to the services
which we offer. The information you
provide to us about you may be shared
with The Co-operative Bank, Lifestyle
Services Group Limited and Priority Pass
Limited. You will only be contacted by the
methods you have asked to be contacted
by. Your information will not be used
or disclosed other than in accordance
with this privacy policy, or without your
permission, unless required by law.
If you would prefer us not to contact you
to obtain your views and/or you change
your mind in the future and would like us
to stop contacting you for this purpose,
please write to:
Benefits Customer Services
Lifestyle Services Group Limited
P.O. Box 98
BLYTH
NE24 9DL
We may co-operate with the police
and any other relevant authorities or
organisations in connection with any
misuse or suspected misuse of the
services provided by us.
If necessary, we may divulge information
about you and you may ask us to make
any necessary changes to ensure that it is
accurate and kept up to date. If you wish
to do this, please contact us
on 0845 602 5783.
We are entitled by law to charge you a
fee of £10 to meet our costs in providing
you with the details of the information
we hold about you. We employ security
measures to protect your information
from access by unauthorised persons and
against unlawful processing, accidental
loss, destruction and damage. We will
retain your information for a reasonable
period or as long as the law requires.
Any changes to our privacy policy will be
notified to you in the appropriate way.
All comments, queries and requests
relating to our use of your information are
welcomed and should be addressed as
specified above.
Gadget Insurance
Arranged by Lifestyle Services Group Limited and provided by
Assurant General Insurance Limited
Demands and needs
Gadget Insurance meets the demands
and needs of smilemore current
account holders who wish to ensure
that their gadget(s) and/or those of
their family member(s) are covered
against theft, damage and breakdown
(including faults).
The Co-operative Bank p.l.c. are
not providing you with a personal
recommendation based on your
individual circumstances as to whether
this policy is suitable for your needs
and we recommend that you read the
Policy Summary below.
Policy Summary
Registering your gadget
As a benefit of being a smilemore current
account holder, if you have selected
gadget cover as your optional benefit,
we will repair or replace your gadget in the
circumstances summarised below.
These are explained in full detail in the
insurance policy document.
You must register your gadget(s) to
take advantage of this cover.
Please visit smile.co.uk/benefits or
call 0845 602 5783 and follow the
procedure. You will need to provide the
following information:
We want you to get the most out of this
policy, and that means you need to be
clear on what is and is not covered.
The Insurance Summary and Policy
Documents provide details of the
insurance policy, which you must read to
ensure that the policy meets your needs.
Full terms and conditions of the policy
can be found in the Policy Document.
You may need to review this policy
periodically to ensure it continues to meet
your requirements.
• your name and address
• the make, model, and serial number of
the gadget(s)
• your smilemore current account number
and sort code
• your date of birth.
If you change the gadget or you wish
to cover a different gadget to the one
already registered, you must register the
new details with us as soon as possible.
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What you are covered for
Summary
Description
This policy covers registered
gadgets up to a combined retail
value of £1,200 (including VAT)
for each smilemore current account
(gadgets must be owned by the
account holder (you) or their
family members. A family member is
a relative living at the same address.
Gadgets must be no older than
three years from new at the point of
registration and no more than five
years old at any time.
•Replacing or repairing your gadgets in the event of:
– theft
– damage
– breakdown (including faults)
occurring anywhere in the world.
•Gadget accessories that are stolen or damaged at the same time as your gadget, up to a
maximum value of £50 (including VAT) per claim.
This policy is designed to cover the following or similar devices:
• PDAs (Personal Digital Assistant)
•digital cameras, satellite navigation systems
•laptops, tablets, portable camcorders (digital or otherwise), portable games consoles
(e.g. PSP, Nintendo Gameboy, GP2X), portable sound and vision devices
•a games console (e.g. Wii, Xbox, Playstation). Please note we do not cover the screen
used to view or play the content.
What you are NOT covered for
Summary
Description
Excess
You need to pay a contribution every time you make a successful claim of:
• Laptops and tablets - £50
• All other gadgets - £25
This is the excess. Your excess is payable for every accepted claim and must be paid
before your claim will be settled.
•More than two instances that give rise to an accepted claim for each account holder in any
12-month period. A full description is in the ‘What you are NOT covered for’ section of the
Policy Document.
•Theft, damage or breakdown where you have knowingly put your gadget at risk or you
have not taken care of it. Examples are provided in the ‘What you are NOT covered for’
section of the Policy Document, which you should read to help you understand the cover.
•Loss of the gadget(s) and accessories in any circumstances.
•Any gadgets which are not registered on your policy at the time they are stolen,
damaged or break down.
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Duration of this Policy
Your policy will remain in place until it is
either cancelled by you, or if you close
your smilemore current account.
Price of your insurance
This policy is provided as a benefit of
you being a smilemore current account
holder. The cost is an inclusive part of
your smilemore current account
monthly subscription.
Cancelling your insurance
You have the right to cancel your
insurance at any time. No refund is due
upon cancellation.
If you need to claim
•You should tell us about your claim as
soon as possible and within 28 days of
becoming aware of the theft, damage,
or breakdown, and inform the police in
the case of theft.
•You may need to send us proof that the
gadget(s) is yours which should include
the make, model, serial number and
memory size (where relevant).
•We may ask for details on the steps you
have taken to report the gadget missing
and any attempts to recover it.
•You can make a claim at
smile.co.uk/benefits or by calling
0344 249 9981.
Got a question? Need to make
a Complaint?
We want to make sure you’re happy.
Should you need to talk to us, contact us
by calling 0844 249 9981 or email
[email protected]
If after making a complaint you are still
unhappy, you may contact the Financial
Ombudsman Service.
Need another copy?
This document is also available in large
print, audio and Braille, so get in touch
with us on 0844 249 9981 if you’d like to
request a copy in one of these formats.
The same applies if you just need
a replacement.
Status disclosure
This policy has been arranged as part of
your bank account and is administered by
Lifestyle Services Group Limited
(Financial Services Register No. 315245)
with a single insurer, Assurant General
Insurance Limited (Financial Services
Register No. 202735).
Assurant General Insurance Limited is
authorised by the Prudential Regulation
Authority and regulated by the Financial
Conduct Authority and the Prudential
Regulation Authority. Lifestyle Services
Group Limited is authorised and
regulated by the Financial Conduct
Authority. All firms’ register details can
be checked on the Financial Services
Register by visiting the FCA’s website
www.fca.org.uk/register or by phoning
0800 111 6768.
Financial Services
Compensation Scheme (FSCS)
Assurant General Insurance Limited and
Lifestyle Services Group are covered by
the Financial Services Compensation
Scheme (FSCS). You may be entitled
to compensation from the scheme in
the unlikely event they cannot meet
their liabilities to you. General insurance
contracts are covered for 90% of the
entire claim with no upper limit. Further
information is available from the FSCS
by calling 0800 678 1100 and online at
www.fscs.org.uk
Become a member of The Co-operative Group
You will start earning points on most of our
products and services – that includes the
smilemore current account*.
Annual membership points rewards:
• Current accounts – 1,200 points if you deposit £800 per month on
average into your account.
• Mortgages – 750 points if you have a residential mortgage with an
outstanding balance over £500.
• ISAs – 300 points if you have a cash ISA with a balance of
over £100.
• Home insurance policies – 750 points if you have renewed a home
policy within the last 12 months.
• Motor insurance policies – 750 points if you have renewed a motor
policy within the last 12 months.
Only one product in each category will earn points at the higher rate.
All other products earn 100 points (eligibility criteria apply, visit cooperative.coop/membership for full terms and conditions).
To find out more or to become a member please call 0800 023 4708
or visit co-operative.coop/membership for full terms
and conditions.
*Points are paid pro rata for the length of time the policy is held.
Benefits of The Co-operative Membership
Benefits of The Co-operative Membership 21
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Your guide to charges
smilemore current account
There are no charges for normal banking services as long as you do not
go overdrawn. However, we do make a charge for certain other services
including overdraft services.
We can vary or amend these charges or interest rates at any time but
will notify customers that we are doing so in accordance with account
terms and conditions. Confirmation of current interest rates can be
obtained from any branch or by ringing telephone banking on
03457 212 212 or online at smile.co.uk
The services, charges and rates detailed are effective from 1 July 2014.
If you request an overdraft informally in this way then we will limit
the amount of related charges you could incur in two ways:
Waiver: helping with infrequent charges.
If you maintain your account in credit (or within any agreed overdraft
limit) for a year then we won’t charge you if you then request an informal
overdraft, providing that your account is returned to credit (or inside an
agreed overdraft limit) within six working days.
Quarterly Cap: putting an upper limit on charges.
Overdraft services
We have placed a limit of £150 per quarter on charges relating to
informally requested overdrafts.
You can request an overdraft or an increase to an existing overdraft
either formally or informally.
Financial difficulties
Formally – you can request our overdraft services in advance and if we
agree to your request we will tell you your overdraft limit and confirm the
terms of the overdraft in writing.
Informally – if you have not formally requested our overdraft services
as above, you may still request our overdraft services by undertaking
a payment or withdrawal from your account, even though no overdraft
limit has been agreed or where the payment or withdrawal would cause
you to exceed any agreed overdraft limit.
Should you be experiencing financial difficulties and can’t keep up
with bill payments or your income falls we would recommend that you
contact us as early as possible. We will be happy to discuss your needs
and to help you understand what options might be available to you.
You can get further information by calling 0800 028 8696.
Guide to charges
Guide to charges 23
Guide to charges
24 Guide to charges
smile current account overdraft services
Debit interest rate
Informal/formal overdraft service.
1.46% per month
18.9% EAR*
Formal overdraft service charge
When we have agreed or renewed, or we or you have requested a change to a formal limit above £500 in advance†.
£20
Informal overdraft service charges
Monthly service charge
When you have overdrawn or have exceeded an existing overdraft limit without having agreed with us in advance you will incur a monthly service charge.
Daily service charge
Each subsequent day your informal overdraft increases you will incur a daily service charge.
Unpaid items
This charge may be applied if cheques, standing orders or Direct Debits cannot be paid due to lack of funds.
£20
£20
£15
Waiver
We will not charge you any informal overdraft service charges or unpaid item charges for informal overdrafts that last six consecutive working days or less (or
for any informal overdraft requests that we do not agree) providing that you had not requested an informal overdraft in the previous 366 days.
Quarterly cap
We will not charge you more than a total of £150 of informal overdraft service charges and unpaid item charges per quarter (a quarter being a group of three
charging periods starting in January, April, July or October). If we agree to refund any previously charged informal overdraft service charges or unpaid item
charges during a given quarter then the £150 will increase by the amount of those refunded charges.
Charging period
The charging period used for interest, commission and charges is 5th of month one to 4th of month two. Please note the dates may vary when they do not fall
on working days.
smilemore subscription fee
A £15.50 subscription will be collected on the first working day of every month
smilemore overdraft services
Free overdraft service – interest and charges-free zone
You can go overdrawn up to £260 at any time in a month without incurring interest or charges.
Debit interest rate
Formal overdraft service over £260.
Informal overdraft service.
Formal overdraft service charge
When we have agreed or renewed, or we or you have requested a change to a formal limit above £500 in advance†.
Informal overdraft service charges
Monthly service charge
When you have overdrawn or have exceeded an existing overdraft limit without having agreed with us in advance you will incur a monthly service charge.
Daily service charge
Each subsequent day your informal overdraft increases you will incur a daily service charge.
1.24% per month 15.9% EAR*
1.46% per month 18.9% EAR*
£20
£20
£20
Unpaid items
This charge may be applied if cheques, standing orders or Direct Debits and any future dated bill payments and future dated funds transfers cannot be paid
due to lack of funds.
£15
Waiver
We will not charge you any informal overdraft service charges or unpaid item charges for informal overdrafts that last six consecutive working days or less
(or for any informal overdraft requests that we do not agree) providing that you had not requested an informal overdraft in the previous 366 days.
Quarterly cap
We will not charge you more than a total of £150 of informal overdraft service charges and unpaid item charges per quarter (a quarter being a group of three
charging periods starting in January, April, July or October). If we agree to refund any previously charged informal overdraft service charges or unpaid item
charges during a given quarter then the £150 will increase by the amount of those refunded charges.
Charging period
The charging period used for interest, commission and charges is 5th of month one to 4th of month two. Please note the dates may vary when they do not fall
on working days.
smile student account overdraft services
Free overdraft service – interest and charges-free zone
Year of study
You can go overdrawn up to this amount at any time in a month without incurring interest or charges.
1
2
3
4+
£1,000
£1,400
£1,800
£2,000
Debit interest rate
Formal overdraft service above the free overdraft for the current year of study.
Informal overdraft service.
0.79% per month 9.9% EAR*
1.46% per month 18.9% EAR*
Formal overdraft service charge
When we have agreed or renewed, or we or you have requested a change to a formal limit in advance.
NIL
Informal overdraft service charge
When you overdraw or exceed an existing overdraft limit without having agreed a formal limit with us in advance.
NIL
Unpaid items
This charge may be applied if cheques, standing orders or Direct Debits cannot be paid due to lack of funds.
£15
Waiver
We will not charge you any informal overdraft service charges or unpaid item charges for informal overdrafts that last six consecutive working days or less
(or for any informal overdraft requests that we do not agree) providing that you had not requested an informal overdraft in the previous 366 days.
Quarterly cap
We will not charge you more than a total of £150 of informal overdraft service charges and unpaid item charges per quarter (a quarter being a group of three
charging periods starting in January, April, July or October). If we agree to refund any previously charged informal overdraft service charges or unpaid item
charges during a given quarter then the £150 will increase by the amount of those refunded charges.
Charging period
The charging period used for interest, commission and charges is 5th of month one to 4th of month two. Please note the dates may vary when they do not fall
on working days.
Guide to charges
Guide to charges 25
Guide to charges
26 Guide to charges
Foreign transaction services
Non-sterling transaction fee
A non-sterling transaction fee is applied to any payment made for cash, goods or services using your debit card in a currency other than sterling.
2.75% of the value of
the transaction
Cash fee
In addition to the above charge, a cash fee is applied when using your debit card outside the UK for withdrawing foreign currency at:
· Visa or PLUS cash machines
· over the counter at a bank or Bureau de Change, displaying the Visa sign.
If you use your debit card to purchase foreign currency or travellers cheques in the UK we will not charge you a cash fee**.
2.75% of the value of
the transaction
+
2% of the value of the
currency/cheques or £2
(whichever is the greater)
Overseas remittances
Normal rate transfers in sterling or foreign currency.
Urgent rate transfers in sterling or foreign currency.
Structured payments.
0.25%, min £13, max £35†
0.25%, min £17, max £35†
£8
Foreign currency banknotes
Sales.
Purchases.
Free∆
1.25%, min £4 (per individual
currency transaction)
Issue of travellers cheques
Foreign currency cheques.
Bills and cheques
Cheques negotiated with recourse. Cheques for collection.
Cheques returned unpaid.
Free∆
(£1-£99)
(£100+)
£4
0.25% (min £8, max £60)
0.25% (min £15, max £60)º
£10º
Other services
Cash fee
We will charge you a cash fee if you withdraw cash over the counter at a branch of any other bank in the United Kingdom which is authorised by Visa.
2% of the value, min £2
Stopped cheques
When you instruct us that a cheque you have issued should not be paid.
£10
Copy of a statement
If original statement is less than a year old and available online.
If original statement is more than a year old and no longer available online.
£2.50 (or free if you print it
yourself)
£10
Copy cheque
£10 (per cheque)
Bankers cheque
To assure payment when buying goods, such as a car, by cheque.
£10
Transfer to bank outside The Co-operative Bank (via CHAPS)
£25
Other charges
There may be occasions when we will make other charges to the account. These will be notified to you at the time.
Financial information correct as at 01/15.
*EAR = Equivalent Annual Rate for overdrawn balances. †For the first 12 months from account opening you will have an agreed overdraft limit of £500. This is a special offer and is subject to our right to
withdraw it for new customers or in accordance with account terms and conditions in the future. ºPlus postage, transmission and agent’s charges where applicable. ∆Home delivery service is available and
will be charged at cost.
**A cash fee will also be charged for withdrawing sterling over the counter at a bank in the UK displaying the Visa sign.
smile the internet bank from
Please call 03457 212 212 if you would like to receive this information in an alternative
format such as large print, audio or Braille.
Policy and supplier terms and exclusions apply.
smile is a trading name of The Co-operative Bank p.l.c. which is authorised by the Prudential Regulation Authority and regulated by the Financial
Conduct Authority and the Prudential Regulation Authority (No.121885) and holds an Interim Permission in respect of consumer credit activities and
subscribes to the Lending Code and the Financial Ombudsman Service.
Credit facilities are provided by The Co-operative Bank p.l.c. and are subject to status. The Bank reserves the right to decline any application. The subscription fee for the smilemore
current account is £15.50 debited from the account on the first working day of each month.
Calls to 0800 numbers are free from UK landlines. Calls to mobiles may vary and you may want to check this with your service provider. Calls to 03 numbers cost no more than calls to
geographic numbers (01 or 02) and must be included in inclusive minutes and discount schemes in the same way. Calls from landlines are typically charged up to 9p per minute; calls
from mobiles typically cost between 8p and 40p per minute. Calls from landlines and mobiles are included in free call packages. Calls may be monitored or recorded for security and
training purposes. Information correct as at 01/2015.
MKT10931_WEB 01/2015
The Co-operative Bank p.l.c., P.O. Box 101, 1 Balloon Street, Manchester M60 4EP. Registered in England and Wales No. 990937.