Credit Card Protection Services

Information about your Distance Contract Effective from 1st October 2006

Supplier

1. The Card Protection service (the Policy) is provided by Pinnacle Insurance plc (Cardif Pinnacle), through AIB Insurance Services Limited. Pinnacle Insurance plc is authorised by the Financial Services Authority in the United Kingdom and regulated by the Central Bank of Ireland.  Cardif Pinnacle Card Protection is a brand name of Pinnacle Insurance plc. Registered in England and Wales, Number 1007798. Address: Pinnacle House, A1 Barnet Way, Borehamwood, Hertfordshire, WD6 2XX, United Kingdom.

2. The insurance mediation service is provided by AIB Insurance Services Limited and involves the introduction of Cardif Pinnacle to you and arranging the policy. AIB Insurance Services Limited is regulated by the Central Bank of Ireland. Registered in Ireland, Number 130581. Address: AIB Insurance Services Limited, Bankcentre, Ballsbridge, Dublin 4.

About Optional Cardif Pinnacle Card Protection

In the event your Credit Card (or other cards registered with Cardif Pinnacle) is lost or stolen, Cardif Pinnacle will cancel the relevant card(s) and request a replacement(s), can provide you with up to EUR1000 emergency cash advance facility, and provide assistance in obtaining emergency travel documentation and ticket replacement, if necessary. Cardif Pinnacle will charge you EUR16 per annum and this will be debited to your Credit Card account with Allied Irish Banks, p.l.c. Cardif Pinnacle will not pay for losses arising from fraud if a cardholder makes a dishonest claim under the policy, all rights to the benefits under the policy will be lost. If anything that is covered by the policy is lost or stolen, the cardholder must report it to the Police and Cardif Pinnacle within 24 hours of discovering the loss. The cardholder must obtain a full report from the Police confirming the loss. A full Police reference number, address and telephone number of the police station where the report was made will be required.

You will not be charged by AIB Insurance Services Limited for its introduction and arrangement service. Please note that other taxes or charges may exist that neither Cardif Pinnacle or AIB Insurance Services Limited pay or impose themselves.

You have a legal right to cancel the Policy within 14 days of your receiving the full Policy terms and conditions, however, in addition to this right, Cardif Pinnacle give you the right to cancel the Policy in the first 90 days. In either case you will receive a full refund, provided no claims have been made. After the 90 day period has expired, you may cancel the Policy by giving 7 days notice in writing; no refund will be available in these circumstances. If you do not exercise your right to cancel, your Policy will continue for one year and be renewable annually.

To cancel, write to Cardif Pinnacle Card Protection, PO Box 11990, Dublin 2 or phone 1800 300 850.

Cardif Pinnacle may cancel the policy by giving you 30 days notice in writing.

The Insurance is automatically cancelled if:

• The premium is not paid.
• You submit a claim knowing it to be false, fraudulent or a misrepresentation.
• Either you or Cardif Pinnacle cancels the cover.

The parties to this policy are free to choose the law applicable to it.
Without agreement to the contrary Irish law will apply.

The Policy and all information and communications prior to entering into the Policy with you will be in English.

In the event that you wish to make a complaint under the Policy or for any service provided by AIB Insurance Services Limited, you should contact the Manager, AIB Insurance Services Limited, Bankcentre, Ballsbridge, Dublin 4 in the first instance. If you are still not satisfied you are entitled to take your complaint to the Financial Services Ombudsman at 3rd Floor, Lincoln House, Lincoln Place, Dublin 2 or contact the Central Bank of Ireland on the consumer helpline at 1890 77 77 77.

The above information is valid as at the Effective From date listed above.

AIB Insurance Services Limited has no interest in the share capital of Cardif Pinnacle.

Neither Cardif Pinnacle nor any parent of Cardif Pinnacle has an interest in the share capital of AIB Insurance Services Limited.

AIB Insurance Services Limited offers card protection insurance through Cardif Pinnacle exclusively.

The Policy provides insurance cover in the event your AIB Credit Card (or other cards registered with Cardif Pinnacle) is lost or stolen. This is the only insurance product of this particular type offered through AIB Insurance Services Limited and the Plan provides suitable cover for the AIB Credit Cards through which it is provided. If you have any questions as to the suitability of this product for you, please contact Cardif Pinnacle Card Protection Services Centre on 1800 300 850 for further information.

Financial Services Compensation Scheme

We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the FSCS if we cannot meet our obligations. The amount of compensation depends on the type of insurance business.

From 1st January 2010: most types of insurance business are covered for 90% of the claim, without any upper limit.

Further information about compensation arrangements is available from the Financial Services Compensation Scheme, 7th Floor, Lloyds Chambers, Portsoken Street, London E1 8BN, United Kingdom. Telephone: +44 20 7892 7300. Email: enquiries@fscs.org.uk

The above information should be read in conjunction with the full policy wording.

This information is provided pursuant to the European Communities (Distance Marketing of Consumer Financial Services) Regulations 2004 and the European Communities (Insurance Mediation) Regulations 2005.

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