Terms of Business

Aviva Cancer Support Plan
Terms of Business
These terms of business set out how we (Aviva Life & Pensions
UK Limited) will provide business services to you as a customer in
relation to your application for the Aviva Cancer Support Plan.
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viva Life & Pensions UK Limited has its branch, Aviva Life & Pensions Ireland, at the following
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address: One Park Place, Hatch Street, Dublin 2, Ireland. You should use this address for any
written communication with Aviva.
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viva Life & Pensions UK Limited and Aviva Health Insurance Ireland Limited are separate
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companies within Aviva plc.
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viva Life & Pensions UK Limited, trading as Aviva Life & Pensions Ireland, is authorised by the
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Prudential Regulation Authority in the UK and is regulated by the Central Bank of Ireland for
conduct of business rules. Aviva Life & Pensions UK Limited, trading as Aviva Life & Pensions
Ireland, is also regulated in the UK: by the Prudential Regulation Authority for prudential rules
and, to a limited extent, by the Financial Conduct Authority for applicable UK conduct rules.
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viva Life & Pensions Ireland is subject to the Minimum Competency Code 2011 and the
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Consumer Protection Code 2012 which can be viewed on www.centralbank.ie
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ur call centre agents may discuss the Aviva Cancer Support Plan with you and provide you with
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advice and information in relation to this product only. They will not provide advice in relation to
your financial needs any other product. If you then agree to buy the Aviva Cancer Support Plan,
they will arrange your application for the product. If you require financial advice in relation to a
wider range of products, you should consult an independent financial adviser.
Honesty Statement
It is important that you answer the questions that our call centre agent puts to you in relation to your
application for cover fully, truthfully and accurately so that Aviva has all relevant material information
to assess whether to provide you with cover. Any changes notified to us before we issue a policy to
you may result in us declining your application for cover. Any changes notified to us after we have
issued the policy, may, if it would have affected our assessment of the risk, result in us not paying
any benefit and/or cancelling the policy with or without a refund of premiums.
Information is material or relevant if it might influence the judgment of a reputable insurer when
fixing the premiums or cover amount or when deciding whether to provide cover at all.
In accordance with the Disability Act 2005, you should not tell us the results of any genetic tests
which you have had.
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Data Protection – Use of Information
The information you provide about yourself and about third parties will be held by Aviva Life
& Pensions UK Limited (the data controller) and may be used, stored and processed by Aviva
Group companies (together, “we”, “us” or “our”), our commercial partners, authorised agents/
service providers and/or successors, on computer systems and/or in paper files for the following
purposes:
(a) to provide and administer financial services/products requested by you;
(b) to comply with applicable legal or regulatory obligations; and
(c) f or other legitimate business interests of Aviva Life & Pensions UK Limited, including
marketing that you have permitted and protection against non-disclosure of material facts
and fraud.
In connection with these purposes, information may be shared, both inside and outside the
European Economic Area, with our other insurance and financial services companies including
those within the Aviva Group and third parties such as reinsurance companies, medical
practitioners, Insurance Ireland, other insurance and financial services companies, our service
providers such as those to whom we outsource certain business operations, professional
advisers, private investigators who may be instructed to investigate a claim, reputable external
agencies and as required by law. To assist in preventing, detecting and/or protecting our
customers and ourselves from theft and fraud, we may also use your information to make
searches of our records. If you give us false information or fail to disclose information and we
suspect fraud, we will record this.
In the event of your application not proceeding or your policy ceasing, information provided in
connection with such may be retained for as long as is permitted by law and may be shared as
outlined above where applicable.
here sensitive personal data, for example data relating to your physical or mental health, is
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provided by you or on your behalf, access to and disclosure of this information will be restricted
to that necessary for the purposes set out above, in particular for administering contracts of
insurance/products requested by you (including underwriting, processing, claims handling,
reinsurance, protection against non-disclosure and fraud prevention).
We may record your telephone calls for quality assurance purposes.
ou may request, in writing, a copy of your information held by us. Please write to The Data
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Protection Officer, at our branch office, Aviva Life & Pensions Ireland, One Park Place, Hatch
Street, Dublin 2, together with payment of the applicable fee (currently €6.35). You may be
asked to prove your identity before your request is met. If you believe there may be inaccuracies
identified in the information held about you, then you can contact the Data Protection Officer
to have such corrected, to block certain uses or object to the processing of your personal data.
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s well as these terms of business there are terms and conditions, which apply to the Aviva
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Cancer Support Plan, and we will give you these when we provide the product. If there is any
conflict between these terms of business and the terms and conditions of the product, the
latter will apply.
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laims payments under Aviva Cancer Support Plan are not subject to Income Tax or Capital
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Gains Tax.
Aviva’s cancellation rights
Aviva may cancel your policy if you fail to pay the Premiums due.
If the date of birth provided to us for the life insured is incorrect but within our age limits, we’ll
adjust the cover amount and base the payment we make for any successful claim on the correct
date of birth. If, using the correct date of birth, the age of any life insured when you took out your
policy would have been outside our age limits, we won’t pay any benefit and we’ll cancel your
policy, however, we’ll refund all your premiums (without interest).
All information (including without limitation that on smoker status) you provide when you apply
for cover must be true and complete in all material respects and we must be told of any changes
or additions after you apply for cover up to the time that cover starts. Information is material or
relevant if it might influence the judgment of a reputable insurer when fixing the premiums or
cover amounts or when deciding whether to provide cover at all. If this is not the case, then we
may decide to do one or more of the following:
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reduce one or both of the cover amounts;
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increase the premiums;
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not to pay any benefit;
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cancel the policy with or without a refund of premiums.
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ou may only have one Aviva Cancer Support Plan at any one time. If you have more than one
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Aviva Cancer Support Plan, we’ll only consider a claim under one Aviva Cancer Support Plan. Any additional Aviva Cancer Support Plan policies will be cancelled by us and we’ll refund all
your premiums (without interest) in respect of the additional policies.
Your cancellation rights
You have a 30 day cooling off period to change your mind about taking out this policy. The
cooling off period begins on the day you receive your policy documents. If you wish to cancel
your policy within the cooling off period, you can do so by sending us a signed and dated letter to
the address shown above, instructing us to cancel your policy. You should also return your policy
conditions and your schedule. Your letter should be posted on or before the 30th day after the
day that your received your policy documents. Once we receive your cancellation request, we’ll
cancel your Policy and refund any premiums (without interest) you have paid.
The premium as set out in your schedule is the total charge we will take from you.
It is our policy to try to avoid any conflict of interest when providing business services. If this
cannot be avoided, we will tell you about any conflict, which may arise.
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Any complaints about this Policy should be referred to Aviva. However, if your complaint
is not dealt with to your satisfaction, you may refer your complaint to:
Financial Services Ombudsman’s Bureau
Address: 3rd Floor, Lincoln House, Lincoln Place, Dublin 2
Lo-call: 1890 88 20 90
Fax: (01) 662 0890
E-mail: enquiries@financialombudsman.ie
Website: www.financialombudsman.ie
Full details of the remit of the Financial Services Ombudsman’s Bureau can be obtained
directly from their office.
If you need to contact us please write to our branch, Aviva Life & Pensions Ireland, at the
following address: One Park Place, Hatch Street, Dublin 2, Ireland.
Aviva Life & Pensions UK Limited VAT number is 9983346D.
The effective date of these Terms of Business is 30 April 2015.
For and on behalf of Aviva Life & Pensions UK Limited
Aviva Life & Pensions UK Limited, trading as Aviva Life & Pensions Ireland, is authorised by the Prudential Regulation Authority in the UK
and is regulated by the Central Bank of Ireland for conduct of business rules.
Aviva Life & Pensions UK Limited, trading as Aviva Life & Pensions Ireland, is also regulated in the UK: by the Prudential Regulation Authority for prudential rules and, to a limited
extent, by the Financial Conduct Authority for applicable UK conduct rules. Registered Branch Office in Ireland (No 906464) at One Park Place, Hatch Street, Dublin 2.
Tel (01) 898 7000 Web www.aviva.ie Registered in England (3253947) at 2 Rougier Street, York, YO90 1UU.
Telephone calls may be recorded for quality assurance purposes.
2.282.05.15
Gary Marshall
Managing Director
Aviva Life & Pensions Ireland