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Insure my pet and possessions

My Essentials - Policy terms and conditions

My Essentials policy Terms, Conditions and disclosures

Always be self-assured knowing your possessions can be safeguarded

We recommend that you read the Terms and Conditions available below to find out detailed information regarding the cover levels, benefits and more.

Definition of words

Item(s) which are attached to or communicating with the insured item.


Hotel accommodation including breakfast, the reservation for which has been arranged by Affinion.


A payment made by Affinion under Section 2 Part A "Advances".


Your welcome letter and these My Essentials Terms and Conditions.


Affinion International Limited, registered in England number 1008797. Registered office:
Charter Court, 
50 Windsor Road, 
SL1 2EJ 
United Kingdom. 

Affinion International Limited is authorised and regulated by the Financial Conduct Authority (FCA) in respect of insurance mediation activities only under registration no. 311584. You can check this on the Financial Services Register by visiting or by contacting the FCA on 0800 111 6768. Affinion International Limited acts as an intermediary for arranging the insurance and provides the administration of the associated services. 

American Express

American Express Insurance Services Europe Limited, registered in England and Wales, company no. 05048826, registered office: 
76 Buckingham Palace Road, 
SW1W 9AX, is authorised and regulated by the Financial Conduct Authority, registration no. 311684. 


The bank, building society or post office where your funds are deposited. 

Commercial vehicle

Any vehicle used wholly or partly for commercial or business purposes or any other vehicle which, at the time of incident, is being used for commercial or business purposes.

Communication costs

The costs which a member necessarily incurs and has to pay in respect of telephone calls, faxes or similar types of communication in relation to an incident or retrieval of lost of stolen luggage or keys. 

Deferred period

In respect of gadgets and personal possessions, the period of 14 days from the commencement of your agreement as stated on your welcome letter. Please note that the relevant insured items are not covered under the policy during the deferred period.


The amount payable by you for your My Essentials membership as set out in your welcome letter.


An electronic piece of equipment designed by the manufacturer to be portable with its own internal power source which can be used in or away from the home.


The registered address supplied by you as your permanent place of residence within the territorial limits. 

Home office

An area located within the boundaries of your home, specifically designated as your day to day place of work. 

Identity document

Any document which may be used to confirm the identity of you or a secondary member e.g. a driving licence or a passport. 


An event or series of connected events, which result in the accidental damage, loss or theft of your insured item(s), your registered cards, locks or keys. For Section 2 Part D Theft of your personal possession(s) leaving you without financial means to get you home or to enable you to complete your journey. 

Insured item(s)

Mobile phone, gadget(s) and/or personal possessions as listed under Section 2 Part C and owned by you or members of your resident family.


AmTrust Europe Limited is registered in England number 01229676. Registered Office: Market Square House, St. James's Street, Nottingham, NG1 6FG, United Kingdom. AmTrust Europe Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register No. 202189. 


A device manufactured to open a specific lock, including electronic immobilisers. 


Permanently fitted or built in, key-operated, security devices to external doors, garage doors and safes located within your home or home office. This also includes doors, immobilisers and/or alarms fitted to your vehicle. 


You and/or a secondary member.

Mobile phone

Your mobile telephone or a mobile telephone owned by a member of your resident family. 

My Essentials

My Essentials is a trademark of American Express registered (or to be registered) in the European Union. 


The period during which you are entitled to the benefits under the agreement which commences on the start date listed in your welcome letter and continues indefinitely until your agreement is cancelled in accordance with the provisions on page 19 – Termination of Cover. 

Personal Money

Cash owned by and used solely for a member's personal use. 

Personal possession

An item owned by you or a member of your resident family which could be carried on or about the person in or away from the home. 


The contents of Section 2 of these Terms and Conditions which includes the insurance elements of My Essentials underwritten by the Insurer.


The amount you paid for the insured item(s) at the date of purchase excluding any credit charges, delivery charges, interest charges or insurance costs. 

Resident family

Your partner, spouse or any member of your family who lives with you at your home. 

Schedule of registered items

The schedule attaching to this policy which sets out the registered insured item(s) and registered cards. 

Secondary member

Your partner, spouse or any member of your family who permanently resides with you at your home and whom you have registered with Affinion.


The services provided by Affinion under your agreement as set out in section 2 of these Terms and Conditions.

SIM Card

Subscriber Identity Module Card – the card carrying your subscriber identity, the use of which, in conjunction with the mobile phone, enables services to be charged to your mobile phone account.


A mobile phone with enhanced capabilities including but not limited to web browsing. 

Start date

The date when your agreement starts as defined in your welcome letter. 


A luggage and/or key fob with a unique identification number provided by Affinion. 


A licensed public or private hire vehicle the reservation for which has been arranged by Affinion.

Territorial limits

England, Scotland, Wales , Northern Ireland and Isle of Man.

Trial period

The period of time confirmed in your welcome letter, if any, as your trial period. 


A legal and roadworthy, private motor car(s), motor bike(s), motor home and/or domestic towed caravan or trailer and registered in a member’s name at your permanent home address or details of which are registered with Affinion. 

We, us, our

Affinion who administers the insurance and provides the services under this agreement.

Welcome letter

The welcome letter containing important details including your fee and the start date of your agreement.

You, your

The person named on the welcome letter who has purchased this agreement.


To find out more or to buy call:
0845 147 9886
Monday - Friday 9am-9pm
Saturday 10am-4pm



Existing customers call:
0800 022 4355
Monday - Friday 8.30am-8pm
Saturday 9am-5pm