Credit Card Travel Insurance

Information about your Distance Contract
Effective from 1st October 2006

Supplier

1. The AIB Credit Card Travel Insurance (the Policy) is provided by ACE European Group Limited (ACE), through AIB Insurance Services Limited. ACE is an insurance provider, and is regulated by the Central Bank of Ireland (www.financialregulator.ie). Registered in Ireland, Number 902631. Address: ACE European Group Limited, 5 Georges Dock, I.F.S.C., Dublin 1

2. The insurance mediation service is provided by AIB Insurance Services Limited and involves the introduction of ACE to you and arrangement of the Policy. AIB Insurance Services Limited is regulated by the Central Bank of Ireland. (www.financialregulator.ie). Registered in Ireland, Number 130581. Address: AIB Insurance Services Limited, Bankcentre, Ballsbridge, Dublin 4.

About AIB Credit Card Travel Insurance

The policy provides annual cover to
i) The Principal Cardholder; and
ii) his / her Partner and accompanying Children under 18 or under 23 if in full-time education; and
iii) Authorised user (if applicable).
Where a minimum of 50% of the fares have been charged to the AIB Credit Card.
Maximum period for any one trip is 45 days. Up to 21 days Winter Sports cover is included during the period of insurance.

Maximum Age limit is 75 years on the date the Person(s) Insured returns from each trip.

The Policy provides annual cover for (as defined in the full Policy terms and conditions):

Cancellation and curtailment, Travel Delay, Personal Liability, Legal Advice and Expenses, Personal Accident, Medical Expenses, Hospital Benefit, Additional Travel Expenses, Loss of Personal Property and Baggage, Personal Property Delay, Loss of Passport and other specified documents, ACE Rescue/Repatriation, Hijack.

The Policy will cost EUR125 per annum (if the cover is not already included as part of your annual card fee) and this will be debited to your credit card account with Allied Irish Banks, p.l.c. AIB Insurance Services Limited will not charge you directly for its introduction and arrangement service. Please also note that other taxes or charges may exist that neither ACE or AIB Insurance Services Limited pay or impose themselves.

You have a legal right to cancel the Policy within 14 days of receiving full Policy terms and conditions. You will receive a full refund provided you have not taken or booked a trip abroad during the 14 day period, by writing to AIB Credit Card Centre, PO Box 708,  Sandyford, Dublin 18. If you do not exercise your right to cancel, your Policy will continue for one year and be renewable annually.

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

The negotiations and discussions prior to, and the Policy itself, will be governed by the laws of Ireland and the Courts of Ireland will have exclusive jurisdiction to resolve any dispute.

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 ACE.

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

AIB Insurance Services Limited offers travel insurance through ACE exclusively.

This is only one of the insurance products offered through AIB Insurance Services Limited.

The above should be read in conjunction with your policy document.

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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