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cahoot purchase protection insurance policy summary

This is a summary of the policy and does not contain the full terms and conditions of the cover, which can be found in the policy. It is important that you read the policy carefully.

Who are the insurers?

The insurer of this policy is CGU Underwriting Limited, a member of the Aviva Group.

What is cahoot purchase protection insurance?

This policy provides free automatic cover against loss, theft or accidental damage for items purchased using your cahoot card for a maximum period of up to 90 days from the purchase date.

To be eligible for this policy you must:

have a card account with cahoot; and
be resident in the UK at the start date and continue to be so throughout the period of insurance.

What are the benefits and features of cahoot purchase protection insurance?

This cover is for item(s):

not covered either in part or in full under any other insurance policy. If items are only partially covered or if valid claims made under any other policy are subject to an excess, we will pay the difference or the excess under this cover;
costing a total of £50 or more purchased in the same transaction.

We will pay up to the purchase price of the item(s) shown on your card statement or the store receipt. The most we will pay for all claims during the lifetime of the policy is £3,500. Where your card has been used as partial payment, we will pay up to the amount charged to the card account as shown on your card statement.

Items belonging to a set or pair will be covered up to the purchase price of the set or pair, provided that the item(s) cannot be used separately and cannot be replaced individually.

At our option we will pay either:

the cost of repair; or
the cost of replacement; or
credit your card account based on the cost of repair or replacement.

What am I not covered for?

The policy excludes some situations. These generally involve anything you already know about or that are caused by illegal or deliberate acts on your part. Please refer to the ‘What we will not pay’ section of the policy for full details. The main exclusions are shown here:

We will not pay for:

Loss, theft or accidental damage that occurs more than 90 days from the purchase date.
Theft from any unattended vehicle unless the item(s) were hidden from view:
- in a fully enclosed boot;
- under a factory-fitted cover/parcel shelf;
- or in a glove box
and all windows and the sunroof were securely closed and the doors and boot locked.
Theft, malicious damage or loss unless it is reported to the police.
Flood and earthquake.
Loss of any item(s), which is not reasonably explained by you.
Jewellery and watches in baggage unless carried by hand and under your personal supervision.
Money as defined in the policy (e.g. cash, travellers cheques, travel tickets, gift vouchers).
Motor vehicles, caravans, trailers, aircraft, hovercraft or watercraft.
Animals (including pets), plants, perishable goods, second-hand goods and business purchases.
Electrical or mechanical breakdown of any item.
Physical abuse of any item(s) by you or a person living in your home.
Items delivered by mail or courier until received by you.

You must take all reasonable precautions to prevent any loss, theft or damage to any item(s).

How long does my cahoot purchase protection insurance run for?

The cover will continue as long as you have a cahoot credit card account or current account.

What happens if I do not require this insurance?

This policy has been provided free with your cahoot credit card account or current account and will be cancelled when the card account or current account is cancelled.

This insurance is optional and you have the right to cancel your policy during a period of 14 days from the date you take out your credit or debit card or the day on which you receive your policy, whichever is the later.

You may cancel this policy at any time after this period. Please refer to ‘Your cancellation rights’ section of the policy for a full explanation.

How do I make a claim?

Please call us on 0870 607 0829 between 9am and 5pm Monday to Friday or simply access ‘account manager’ through the secure website, for a claim form.

How do I make a complaint?

We hope that you will be very happy with the service we provide. However, if for any reason you are unhappy with it, we would like to hear from you. In the first instance, please send your complaint via ‘contact us’ on our secure website, call us on 0844 9000 900, or alternatively write to Service Relationship Team, cahoot, 3rd Floor, Friars House, Manor House Drive, Coventry CV1 2TE.

We are covered by the Financial Ombudsman Service. If you have complained to us and we have been unable to resolve your complaint, you may then be entitled to refer it to this independent body. Following the complaints procedure does not affect your right to take legal action. Further details of our complaints procedure can be found in your policy.

Would I receive compensation if Aviva were unable to meet its liabilities?

We are members of the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our obligations depending on the type of insurance and circumstances of the claim.

CGU Underwriting Limited is registered in England and Wales,
Registered number: 94405,
Registered office: St Helens, 1 Undershaft, London EC3P 3DQ,
A member of the Aviva group. Authorised and regulated by the Financial Services Authority.