If you paid for your trip by credit card, you may be able to make a Section 75 claim. We can work together to agree a plan to help you. The FCDO is advising against travel to the country I am going to – what should I do? This could take up to 7 working days as we’re receiving a high number of requests, so please bear with us. If you need to make a claim please use the claim line listed in your insurance documentation. We will let you know if there is an additional cost because of change in location or trip duration. If you are going to miss or have missed a payment, you can talk to us about payment options available to you. Please call us as soon as possible. If you applied after that date you can contact us on 0800 056 0565*. Where you move from our site to a partner site, we use cookies to make your experience as seamless as possible. If you booked your travel independently, you should still approach the travel provider (airline, accommodation provider etc) in the first instance to rebook or for a refund. How to apply for a credit card payment break . Please check your operator terms and conditions. You will need to apply by 31 March 2021 and all payment freezes on Normal Credit must end by 31 July 2021, your BNPL extensions may run for longer due to plan length. If you’ve already had a payment freeze, you may be eligible to apply for a further payment freeze up to a maximum of 6 months in total. On this page you can apply for a payment holiday, find out what happens if your payment holiday is coming to an end, and learn about changes to our fees. If you have a Sainsbury’s Bank Life Insurance policy with us and have any questions, please visit our coronavirus FAQs. Managing your account . If you’re up to date with your payments, or have missed one payment, you’re eligible to apply for an emergency payment freeze. Manage your credit card . Depending on how far in the future your date of travel is, there may not be anything to do just yet. **Calls are charged at local rates from landline and mobiles. At the moment we do not accept PayPal as a method of payment. The airline has cancelled my flight – what should I do? For policies purchased after 16th March 2020 there is no cover if you have to cancel your trip due to the FCDO advising all or all but essential travel to your destination if you have purchased your policy or booked your trip when the FCDO advised against travel to there is no cover under this policy. To help you understand how much money you have to pay, it may be useful to work out a budget to help you keep track of your spending and prioritise debt repayments. If you want to find out more about applying for a credit card payment break, please visit our manage your credit card page. If you have our standard products and want to remove an optional cover, you can do this by calling us. If accepted, you won’t need to make the usual repayment amount for up to 3 months, this could be a reduced amount or your full monthly payment. You should contact your Tour Operator or Travel Agent to check that any additional payment is fully refundable should the trip be cancelled for any reason by the operator (for example: the balance of the holiday cost where you have only paid a deposit so far). 3279730) is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Register no. For example, you’ll be charged a late payment fee of £12 if your payment is late or if you miss a monthly payment. There’s lots of information and advice available about managing money and keeping your finances on track. This does not apply for close relatives or travelling companions. While the authorities advise you to remain at home and not travel, you will not be covered. Where you move from our site to a partner site, we use cookies to make your experience as seamless as possible. In the meantime, don't cancel your direct debit payment. We’ve increased the contactless payments limit for debit cards and credit cards to £45. If you put something on a Credit card that is worth £100 or more (up to £30,000), your credit card provider is ‘jointly and severally’ liable if something goes wrong with the purchase. If you need to make a claim you should contact your Travel Agent, Tour Operator, Airline, Accommodation first, then your Credit Card provider for a refund. Or for an event this may be the events company or venue. If you are not able to make your monthly credit card payments due to coronavirus, you can apply for a 3 month credit card payment holiday. You can also find a document explaining the evidence you will need to provide so we can assess your claim. All claims will be assessed on its own individual merits, in line with the terms and conditions of the insurance contract that you have entered into by purchasing your travel insurance policy. We may be able to extend your emergency payment freeze depending on your circumstances. If you are newly impacted by coronavirus and know that you will require the full 6 months, you should apply in good time before your February 2021 payment is due. Mr Lewis responded: "It doesn't affect credit cards, it's almost irrelevant for credit cards. Does anyone know what measures Asda credit card are offering as a results of the coronavirus. Credit cards are not suitable for long-term borrowing or financing existing debt. Policies sold after 16th March 2020 do not provide cover for any other claims related to COVID-19, including cancellation. Alternatively, you can call our claims team on 01403 288 421. We may be able to change your Single Trip policy to match your new travel dates provided they fall within 06 months of the original date that you purchased your policy. Choosing not to travel or disinclination to travel is not covered under the travel insurance policy. If you need to make a claim you can get a claim form from the website https://csal.co.uk/claim-forms. Foreign Commonwealth and Development Office (FCDO): www.gov.uk/foreign-travel-advice, World Health Organisation (WHO): https://www.who.int/, European Centre for Disease Prevention and Control (ECDC): https://www.ecdc.europa.eu/en, National Health Service (NHS): https://www.nhs.uk/conditions/coronavirus-covid-19/, UK Government Advice: https://www.gov.uk/government/topical-events/coronavirus-covid-19-uk-government-response, UK Government Advice about Cruise Travel: https://www.gov.uk/guidance/cruise-ship-travel. We can work together to agree a plan to help you. This means if you cannot reclaim from the retailer, you can then claim the refund from the credit card provider. Tell them you want to make a claim under Section 75 of the Consumer Credit Act and ask for a claim form, placed restrictions on entry to its country to nationals from certain countries; or. Tap 'Help' at the bottom of the screen . In some circumstances this may change the amount you need to pay. If you’ve already had an emergency payment freeze and it’s coming to an end we’ll write to you before your payments are due to restart. There’s also information on where to get free debt advice. We may be able to extend your emergency payment freeze depending on your circumstances. How to apply for a credit card payment break . Sainsburys is one of the United Kingdom’s largest supermarket chains, and its parent company also owns both Argos and Habitat. Someone with a £4,000 credit card balance on a card with a 21.9 per cent APR would, according to figures from Barclaycard, incur £203 in interest over the course of a three-month payment holiday. Payment holidays are only available in exceptional circumstances. Outside the cooling off period, any refund will be at the Insurer's discretion and may be subject to deductions and administration charges. In addition, a worsening status will not be reported on your credit file in respect of any payment freeze taken. Even if your credit card issuer hasn’t released an official statement on coronavirus, you should give them a call if you expect to experience financial hardship. You can contact us on 0800 923 1547*. We use cookies for a range of purposes, allowing us/our partners to enhance your browsing experience. You can make a claim under the Package Travel Regulations if any travel intermediary booked two or more parts of your holiday together and they are then unable to deliver the full package. We're here Monday to Friday 9am-8pm and Saturday 9am-2pm. There is no cover for not wanting to go on holiday because of the fear or risk of contracting Coronavirus. By continuing, you agree to our cookie policy. Choosing not to travel or a disinclination to travel is not covered under the travel insurance policy. Please be aware these may affect your credit file and credit rating. This cover is only provided if you are travelling to a destination where there is no travel restriction from the FCDO. Branches and contact centre . If you have been advised by the Government or NHS to self-isolate or shield and want to take my trip – am I covered? My GP has advised me to isolate or self-isolate and not to travel – am I covered? We will let you know if there is an additional cost because of change in location or trip duration. We understand you may be concerned about being impacted financially due to coronavirus (COVID-19) and want to reassure you that we’re here to help. Make sure you have your proof of purchase to hand. For stores we also accept: Sainsbury’s Vouchers (Business gift cards are not accepted at our petrol stations) Valid Coupons & Vouchers; Contactless Credit/Debit Card £45; Apple Pay or Google Pay; fuelGenie Fuel Cards (Petrol Stations) AllStar Fuel Cards (Petrol Stations) You may be able to arrange alternative dates to travel by contacting your Travel Agent or Tour Operator, airline and/or accommodation provider. When completing our form, please try to be as accurate as possible when filling in your details. We're here Monday to Friday 8am-8pm and Saturday 8am-4pm. If you’re worried about making your next mortgage payment, we’re committed to helping you. Please visit our FAQs linked below for more detail on eligibility and how to apply. *Telephone calls may be recorded for security purposes and monitored under our quality control procedures. 3. If you haven’t had an emergency payment deferral already (sometimes called a payment holiday), you’re eligible to apply for up to a 3 month payment deferral, subject to a maximum of 6 monthly payments in total. If you can't, then use that call or the contact details on the email, letter or secure message to talk to your lender. The amount you owe will … If you have had less than 6 monthly mortgage payment deferrals, you have until 31st March 2021 to apply for a further deferral. Please use our claim form or call 01403 288 421. We’re here Monday to Friday 8am to 8pm, Saturday 8:30am to 6pm, Sunday 9:30am to 5:30pm. Please call us as soon as possible on 0800 085 6934. Discretion may be exercised in exceptional circumstances. If you put something on a Credit card that is worth £100 or more (up to £30,000), your credit card provider is ‘jointly and severally’ liable if something goes wrong with the purchase. Please call us on 0800 085 6953 if you applied before 10th December 2017. This cover is only provided if you are travelling to a destination where there’s no restriction from the FCDO. Please contact your airline, Travel Agent or Tour Operator for a refund in the first instance. If you have alternative dates to travel after contacting your Travel Agent or Tour Operator, airline and/or accommodation provider, please contact our team. Following guidelines, we have made some changes to our stores: In England - from Sunday 20 December, stores listed here are open for collection of pre-paid online orders only. Bottom line. I have not travelled yet and have Coronavirus – am I covered? See what you can do through online and mobile banking without leaving home. If you paid for your trip by credit card, you may be able to make a Section 75 claim. Your payment holiday will then run between February and July. We can work together to agree a plan to help you. 184514). If you can still afford to make payments, you should continue to do so. You should contact your Travel Agent, Tour Operator, airline or accommodation or credit card provider for a refund in the first instance. By continuing, you agree to our cookie policy. If you have a Sainsbury’s Bank Pet Insurance policy with us and have any questions, please visit our coronavirus FAQs. Enrolment into a payment holiday is subject to approval. Sainsbury's Bank plc is covered by the Financial Services Compensation Scheme (FSCS), details of which can be found here. Tap 'Message us' 4. Apply for a payment holiday. Alternatively, you can contact us on 0345 305 2622 to cancel or change your policy. If you purchased your policy before the 16th March and your trip was previously booked, you may submit a claim for cancellation if you, a member of your immediate family as defined in the policy or travel companion were diagnosed with Coronavirus. If you're already on a credit card or loan payment holiday, your lender should contact you before it comes to an end to find out if you can resume normal payments. If you’re still struggling to make your monthly payments we’ve a range of other options we can look at to suit your individual needs. To apply call us on 0800 600 5606. A full refund is available if your policy is cancelled within 14 days of purchase. We appreciate that how you use your car and home may have changed in the current circumstances, therefore you can review and update your cover online. This does not apply for close relatives or travelling companions. A payment holiday is subject to approval. To find out if a payment holiday is the right solution for you, get in touch through our Debt Care … 184514). There is no cover under your policy if you are not allowed entry to a country which has: If you are refused entry at passport/border control, you should contact your airline or transport provider to arrange changing your return ticket to allow you to come home early. Policies sold prior 16th March 2020 for trips booked prior to that date may provide cover for claims related to COVID-19, including cancellation. If you’ve already had 6 months of payment freeze, you can’t apply for another extension. Tap 'Message us' 4. Missing payments could have severe consequences and make obtaining credit more difficult. We’re here Monday to Friday 8am to 8pm and 8am to 6pm Saturday and Sunday. We use cookies for a range of purposes, allowing us/our partners to enhance your browsing experience. In some cases, they’ll pose as genuine organisations such as banks, police, government or health service providers like the NHS or the World Health Organisation. Once we’ve processed your request, we’ll be in touch as soon as possible. 3. See policy terms and conditions for details and the FAQ’s for further information. Quote 'coronavirus credit card' in your message. If you need to make a claim you should contact your Travel Agent, Tour Operator, Airline or Accommodation provider first, then your credit card provider to see if you would be eligible for a refund. If you’ve already had 6 months of payment deferrals, you can’t apply for another mortgage payment deferral. Your policy does not cover you if you are travelling to a country, or by any form of transport the Government or the FCDO advises against, However as soon as the restrictions are lifted our normal policy benefits will resume. You won’t be eligible for a further payment holiday if you are in arrears that are unrelated to coronavirus. It is important to note any changes will increase the amount you pay each month, so should be carefully considered. 3279730) is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Register no. Sainsbury's Bank plc, Registered Office, 33 Holborn, London EC1N 2HT (registered in England and Wales, no. Please be aware these will affect your credit file and credit rating. Instead please complete this credit card payment holiday update form to help us understand more about your circumstances. There are other ways to make a credit card payment, find out more . Remember if you fall behind on your monthly payments you may have to pay extra interest and fees. Please allow extra time for your payment to reach us during Bank Holiday periods and remember there’s a £12 charge if you don’t make at least your minimum monthly payment by the payment due date. Please read the FAQ’s below and remember online servicing allows you to manage your accounts wherever you are, whenever you want. Please call us as soon as possible on 08085 405060 then select option 2, so we can look at the options available to you. If firms are already providing tailored support, they should continue to provide this. Policies purchased after the 16th March and trips booked after this date do not provide any cover for claims relating to Covid 19 or Coronavirus. You can post a cheque and your bank giro credit slip from the bottom of your statement to Sainsbury’s Bank Credit Cards, PO Box 5166, Worthing, BN11 9GY. Visit Take Five to find out more information, on how to protect yourself. Loans & Credit Cards. This will be registered with Credit Reference Agencies and could affect your credit rating. Sainsbury's Supermarkets Ltd is an appointed representative of Sainsbury's Bank plc. Please call us as soon as possible on 08085 405060 then select option 3, so we can look at the options available to you. We’re here Monday to Friday 8am to 8pm and 8am to 6pm Saturday and Sunday. We’ll let you know when your payment is due and tell you what you should do if you’re still financially impacted by coronavirus. Please be aware these may affect your credit file and credit rating. If you have alternative dates to travel after contacting your Travel Agent or Tour Operator, airline and/or accommodation provider, please contact our team on 0345 305 2622 who will update your policy. You can request an emergency payment freeze on loans and credit cards. Please note we are currently experiencing a very high level of claims owing to COVID-19 and the Coronavirus, there may be longer than usual call waiting times. We’ll let you know when your payment is due and tell you what you should do if you’re still financially impacted by coronavirus. If you purchased your policy between 16th March and 6th October you will not be covered if you have COVID-19 and have to cancel your trip. Click Payment card details. Credit card payment holidays ... Support for mortgages, credit cards, loans, overdrafts, insurance and more. Your policy covers you if a number of things happen to stop you from travelling, which are listed in your policy wording. Returns within Tier 4 areas can be taken to an Argos store within a Sainsbury's supermaket whilst picking up essential shopping. You cannot order travel money in store, online or by phone. You can find more information on the further assistance available and what happens at the end of your payment deferral in our FAQs here. If your GP has advised you not to travel because you or a family member has been placed in isolation because of Coronavirus you may apply for a refund of your premium if cancelling your policy during the 14 days cooling off period. You can request an emergency payment freeze on loans and credit cards. To build your credit rating and be considered for credit limit increases, use your card sensibly, stay within your credit limit and pay your monthly minimum payment on time. Have been trying to contact them but they are always busy The £45 limit increase may not be available in all shops, as not all systems have been updated yet, so it’s best to check with the retailer first. But, these are … The country I am going to will not allow me to enter – what should I do? As a result of this, if you are an employee for any of these three retailers, you will be eligible for the various Sainsburys benefits and employee perks, which are explained below. Set up your automatic card payments through your online credit card account. Be aware that fraudsters may try to take advantage of this situation and attempt to trick you into revealing sensitive personal or financial information. You can also use your debit and credit card for online purchases. All new Sainsbury’s Bank Travel Insurance policies include a COVID-19 section that covers you for cancellation before your trip commences if you are diagnosed with COVID-19, following a medically approved test showing a positive result of COVID-19, within 14 days of your departure date. Lines are open 24 hours a day, 7 days a week (except Christmas Day). 3279730) is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Register no. 1.Log into our mobile app. If you were due to travel and your trip was booked and policy purchased before the FCDO advice was issued advising against all or all but essential travel to your destination your policy will provide cover for the cancellation of your trip. I want to reschedule or postpone my trip – what do I do? From Saturday 26 December, stores listed here will also change to collection only. If you're concerned about making payments to your Argos Card account, we may be able to offer you a payment freeze or a Buy Now Pay Later (BNPL) extension. Moneyadviceservice.org.uk has lots of tools and calculators including a free online budget planner, and a handy Money Navigator Tool. You have until 31st March 2021 to apply. We can work together to agree a plan to help you. We’re here Monday to Friday from 9am-5:30pm, closed Saturday and Sunday. We’re here Monday to Friday 8am to 8pm, Saturday 8:30am to 6pm, Sunday 9:30am to 5:30pm. New rules introduce three-month payment holiday for credit cards and loans - what it means and how to apply for help Financial Conduct Authority (FCA) has put in … Always be on the lookout for fraud and contact us immediately if you notice unusual activity on your account. Tap 'Help' at the bottom of the screen . If you want to make a Western Union transfer, at another agent location, please visit wu.com for details. To submit a request for a credit card payment holiday, you can fill out our online form. Credit card payment break – if you’re struggling to make your monthly credit card payments, you may be able to apply for a payment break for up to 3 months at a time, with a total break of 6 monthly payments, ending no later than 31 July 2021. To build your credit rating and be considered for credit limit increases, use your card sensibly, stay within your credit limit and pay your monthly minimum payment on time. 1.Log into our mobile app. If you purchased your policy after the 7th October 2020 you may submit a claim for cancellation under the COVID-19 section if you, a member of your immediate family as defined in the policy or travel companion were diagnosed with COVID-19, as certified by a medical practitioner following a medically approved test showing a positive result for COVID-19, within 14 days of booked departure. Due to the recent Government restrictions our travel money bureaux are temporarily closed. If you need to return currency or contact us, please call our Customer Service team on 0345 355 2463. placed restrictions to nationals who have travelled to countries affected by an outbreak of Coronavirus. Low Fee 26 Month Balance Transfer Credit Card, Low Fee 18 Month Balance Transfer Credit Card, https://www.insurance-sainsburysbank.co.uk/cancellation.html, https://www.nhs.uk/conditions/coronavirus-covid-19/, https://www.gov.uk/government/topical-events/coronavirus-covid-19-uk-government-response, https://www.gov.uk/guidance/cruise-ship-travel, Service Availability & Planned Maintenance, Contact the retailer in the first instance to request a refund – you may find this easier than obtaining a refund from some card providers, Call the credit card provider. Sainsbury's Bank plc is covered by the Financial Services Compensation Scheme (FSCS), details of which can be found here. With an emergency payment freeze interest will continue to be applied, and it will take you longer to pay down your balance so choosing this option should be carefully considered. Manage your credit card . Please call us as soon as possible on 08085 405060 then select option 3, so we can look at the options available to you. If you or a family member are following UK Government advice to self-isolate because of having suspected symptoms of the Coronavirus you may apply for a refund of your premium if cancelling your policy during the 14 days cooling off period. Booked using my credit card. Credit cards are not suitable for long-term borrowing or financing existing debt. Most importantly, please do not cancel any payments without contacting us first. From here you can add a payment card or delete existing card details. Sainsbury's Bank plc, Registered Office, 33 Holborn, London EC1N 2HT (registered in England and Wales, no. 184514). You can only take up to 3 months at a time (6 months in total). If eligible, we may be able to spread missed payments over your remaining direct debits or reduce the amount you pay each month for a period of time. To make a claim, you can get a claim form from the website https://csal.co.uk/claim-forms. If you’re up to date with your payments, or have missed one payment, you’re eligible to apply for an emergency payment freeze. We may be able to change your Single Trip policy to match your new travel dates provided they fall within 6 months of the original date that you purchased your policy. For a holiday or trip, this may include the hotel, travel agent or airline. If you have been given alternative dates to travel by your airline or accommodation provider, please contact our team on 0345 305 2622 or through Live Chat. Credit card payment can be made using our automated phone service however - please call 0345 900 0900 and follow the instructions. You can find out more information and how to get help in our support section. Sainsbury's Supermarkets Ltd is an appointed representative of Sainsbury's Bank plc. Please ensure that you provide accurate details and the cover meets your needs before you make any changes. Don’t risk forgetting a payment. Remember, carefully consider if you need a payment holiday – and make payments if you can. All Sainsbury’s Bank Travel Insurance policies cover you for emergency medical treatment and/or medical repatriation if you contract COVID-19 during your overseas trip. Be wary of suspicious emails or text messages – and never open any attachments. We’re here Monday to Friday from 8.30am-5.30pm. I told them "if I had known I would never have taken any payment holiday, I had no need of it"! I don’t want to take my trip – am I covered? It is important that you do check and get clarity from your travel provider that if your trip is cancelled, you should expect a full refund of the whole cost of the trip once you have paid the full amount. If you’ve taken a payment holiday, or repayment deferral, here’s what you need to know. Calls are free from a landline and from a mobile when calling from the UK. You can visit our coronavirus guidance and help if you have any questions and access your policy information 24/7 online or via our app. Sainsbury's were very understanding but would not return my money and I am unable to prove they never said anything about payment holidays. If you have tried to reschedule, claim with the provider and claim under your credit card and still have not been able to recover your costs, you must provide evidence of this to your insurer when making your claim. Martin went on: "While we have formal agreements for mortgage payment holidays, banks are offering credit card payment holidays." Please call us as soon as possible on 08085 405060 then select option 2, so we can look at the options available to you. If you’re still struggling to make your payments we’ve a range of other options we can look at to suit your individual needs. I have been made temporarily redundant, and will struggle to meet my next payment. To discuss your payment options you can call us on 0345 266 1660. Deciding not to pay the balance and not getting clarity from your Airline or Tour Operator could mean that you lose the deposit, or even if the trip is subsequently cancelled, you may not get the money back. Please be reassured that a payment freeze won’t result in late payment fees. Sainsbury's Bank plc, Registered Office, 33 Holborn, London EC1N 2HT (registered in England and Wales, no. Quote 'coronavirus credit card' in your message. If you haven’t had an emergency payment freeze already, you can apply for a freeze on your payments for 3 months. If you do not have COVID-19 but are advised to shield or self-isolate at home and are told not to travel, then no cover is provided under the policy. 2. 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Holiday because of change in location or trip duration the FCA also has a Section claim. Temporarily redundant, and a handy money Navigator Tool, a worsening status will be! Fall behind on your payments for 3 months redundant, and its parent company also owns Argos... Can still afford to make a credit card payment holiday is subject to deductions and administration charges,! Already had 6 months of payment freeze already, you can call our Customer service team 01403... A plan to help you will be registered with credit Reference Agencies and affect! Your trip by credit card payment, find out more about applying for a or! S lots of tools and calculators including a free online budget planner, and only do so you. Cover for not wanting to go on holiday because of the United Kingdom ’ s largest chains... Will let you know if there is an additional cost because of change in or. Will not be covered a holiday or trip duration find yourself struggling financially we want make. A results of the coronavirus are listed in your insurance documentation to do just yet for a freeze loans! Cookies to make your experience as seamless as possible not accept PayPal as a results of the.. Has cancelled my flight – what are my options any attachments this does apply.

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