Black

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All the benefits you associate with an elite credit card for you and a secondary cardholder, with the option to take the Card with or without the insurance benefits.
 

With insurance benefits: Annual fee £200

45.6% Representative APR, variable  ·  Over 18s only

View the summary box and representative APR example

 

Non-Insurance option: annual fee £100

30.4% Representative APR, variable  ·  Over 18s only

VIEW THE SUMMARY BOX AND REPRESENTATIVE APR EXAMPLE

 

Available to Adam clients only.
Your credit limit will depend on our credit assessment of you.

IMPORTANT
If after calling the insurer, cover for your pre-existing medical condition is declined or you're unhappy with the cost of the additional premium, you may wish to look at an alternative provider. To assist you the FCA has arranged a Directory of Insurance Underwriters who may be able to meet your needs. For further information call 0800 138 7777 (Monday to Friday, 8am to 6pm) or visit the Directory Website.

 

GENERAL GUIDANCE ABOUT ADAM BLACK CARD TRAVEL INSURANCE

Updated 5 October 2021

The traffic light system set by the Foreign, Commonwealth and Development Office (FCDO) for returning to the UK has changed.  FCDO rules must be followed to ensure Adam Black Card (with insurance) Travel Insurance is valid..

What you must do depends on whether you qualify as fully vaccinated.  There are different rules if you have been in a red list country or territory in the 10 days before you arrive in England.  Red list rules apply whether you are fully vaccinated or not.

See the full details on the FCDO website

 

Allianz (our insurer)

Allianz will follow the FCDO advice on deciding whether a claim is valid or not.  There are three levels of FCDO advice in place:

  • no advice against travel
  • advice against all but essential travel; and
  • advice against all travel

Cover is valid when there is no FCDO advice against travel. Consideration will be given for 'Essential Travel' so long as evidence can be provided in the event of a claim to support that the nature of the trip made travel essential. There is no cover provided for travel to any destination the FCDO have advised against all travel to, regardless of the reason for the trip.

 

Summary

IIn terms of the Red list territories, this puts the onus on the person travelling to determine whether they are prepared to travel and comply with the relevant home / Government recognised quarantine as applicable.  This doesn't remove the need to follow the FCDO advice on which countries you can travel to.  Travelling to a country the FCDO have advised against will void the travel insurance policy.

GENERAL GUIDANCE ABOUT ADAM BLACK CARD TRAVEL INSURANCE

COVID-19 continues to impact travel and whilst it is impossible to provide assistance for every scenario, we are continuing to update our guidance based on the most recent type of questions that have been asked by our clients.

If you are looking to make a claim for a trip booked before 11 March 2020:

  • you should try and claim from your travel provider in the first instance (if they offer you a voucher, you may have a right to decline this and continue to insist on a refund instead)
  • if your travel provider does not give you a refund and you paid for your trip on a debit, credit or charge card, you can try and claim a full cash refund from your card issuer within 120 days of the trip start date
  • if you are unable to obtain a refund from your card issuer, you may be able to make a claim on your Adam Black Card travel insurance.

If you are looking to make a claim on your Adam Black Card travel insurance, you should read our guidance below and be aware of the following key points:

  • as COVID-19 was declared a global pandemic by the World Health Organization on 11 March 2020, if you booked your trip and held Adam Black Card travel insurance by 11 March 2020, then claims related to COVID-19 will be considered if you are unable to recover your cancellation costs from your travel provider or card issuer
  • if you booked a trip and took out Adam Black Card travel insurance after 11 March 2020, you will not be covered for claims relating to COVID-19 travel restrictions
  • like most travel insurance policies, there is no cover on the policy if you are allowed to travel but you decide you do not want to (this is known as disinclination to travel)
  • all claims made on your policy, including those that are not related to the pandemic, will be reviewed in line with the terms and conditions of your Adam Black Card travel insurance policy, on a case by case basis.

 

GUIDANCE FOR MAKING CLAIMS ON YOUR ADAM BLACK CARD TRAVEL INSURANCE

This guidance covers Adam Black Card travel insurance beneficiaries who:

  • had a trip booked before 11 March 2020; or
  • book a new trip.
  • 11 March 2020         

    The World Health Organization (WHO) declared that COVID-19 was a global pandemic.

    COVID-19 became an ‘anticipated event’: an event or occurrence which beneficiaries or their immediate family knew would occur or could have been reasonably expected to occur during their trip and which beneficiaries or their immediate family were aware of at the time of booking their trip. This impacts all trips booked after 11 March 2020.

    17  March 2020       

    The Foreign Commonwealth and Development Office (FCDO) advised against all non-essential travel abroad for a 30 day period and released the following statement: ‘COVID-19 Exceptional Travel Advisory Notice - As countries respond to the COVID-19 pandemic, including travel and border restrictions, the FCDO advises British nationals against all but essential international travel. Any country or area may restrict travel without notice.’

    23 March 2020        

    The FCDO advised all British travellers to return to the UK and issued the following statement: ‘The Foreign Secretary advises all British travellers to return to the UK now - All British tourists and short-stay travellers currently abroad should return to the UK where commercial flight options are still available.’

    4 April 2020             

    The FCDO advice was subsequently updated to advise against all but essential international travel indefinitely.

    3 July 2020                

    The FCDO updated its advice against ‘all but essential’ travel, exempting destinations that no longer pose an unacceptably high risk for British travellers.

    4 July 2020               

    The exemptions announced by the FCDO on 3 July 2020 came into effect.

  • The policy will not cover anyone who travels against FCDO advice or any travel advice that has been issued by an equivalent government authority.

  • The policy provides cover for medical expenses if you contract COVID-19 during a trip, on the basis that the policy terms and conditions have been met e.g. you are not travelling to a country that the FCDO advises against ‘all but essential’ travel and you have declared any pre-existing medical conditions.

  • The policy provides cover for additional expenses incurred in line with the policy limits if you are required to quarantine on medical advice during a trip, on the basis that the policy terms and conditions have been met e.g. you are not travelling to a country that the FCDO advises against ‘all but essential’ travel and you have declared any pre-existing medical conditions.

  • The policy provides cover for cancellation if you, a travelling companion or a close family member contract COVID-19 or where you or a travelling companion receive medical advice to self-isolate (from a GP, NHS 111 or Track and Trace) when you are due to travel.

  • The policy provides cover for cancellation and curtailment if you or a travelling companion are refused boarding of a flight due to having symptoms of COVID-19, on the basis that the policy terms and conditions have been met e.g. you are not travelling to a country that the FCDO advises against ‘all but essential’ travel.

  • A.     If you purchased your travel policy and had your trip booked by 11 March 2020

    Allianz Assistance may be able to consider a claim for your circumstances but you need to recover all refundable parts of the trip before submitting a claim. In the first instance you should contact your travel provider to look into alternative options available to you, such as a change of travel dates. You should seek a refund of your flights and accommodation from the travel provider.

    If you are unable to obtain a refund and made the purchase using a card, costs that are not recoverable from your travel provider may be recoverable from your card issuer. If you used an Adam card for the purchase, please contact Adam 24 via adam24@adambank.com with details of your trip (please ensure you do not include any sensitive information) and they will be in touch. Alternatively, please call them on 0131 278 3888. You may also have buyer protection if payments were made through PayPal who can be contacted directly through your PayPal account.

    Allianz Assistance may be able to consider a claim if the above steps have been followed but you have been unsuccessful in covering your loss.  Please contact the Travel Claims department if your trip is due to take place within the next month by calling them on 0131 549 8668.

    B.     If you booked your trip after 11 March 2020

    Allianz Assistance will not settle a claim for a refund in these instances as COVID-19 still has pandemic status and is an anticipated event. This is due to the general exclusion for claims made as a result of an incident which you were aware of at the time you booked your trip and which could reasonably be expected to lead to a claim.

    In the first instance you should contact your travel provider to look into alternative options available to you, such as a change of travel dates. 

     

  • A.     If there are travel restrictions in place for the date of your trip

    If you have not been able to obtain a refund from your travel provider and you made the purchase using a card, costs may be recoverable from your card issuer. If you used a Adam card for the purchase, please contact Adam 24 via adam24@adambank.com with details of your trip (please ensure you don’t include any sensitive information) and they’ll be in touch. Alternatively, please call them on 0131 278 3888. You may also have buyer protection if payments were made through PayPal who can be contacted directly through your PayPal account.

    If any part of your trip is not refunded, Allianz Assistance may be able to consider a claim for your circumstances (based on the date you purchased your travel policy or booked your trip and if that was before or after the pandemic declaration by the WHO and the FCDO advice at that time). The insurer will review claims on a case by case basis but you need to recover all refundable parts of the trip before submitting a claim. Please contact the Travel Claims department if your trip is due to take place within the next month and you wish to discuss your options prior to cancelling it by calling them on 0131 549 8668.

    B.     If there are no travel restrictions in place for the date of your trip

    If there are no travel restrictions in place for the date of your trip from the FCDO or equivalent  government authority, and you choose not to travel, this is classed as disinclination to travel. Allianz Assistance will not settle a claim for a refund in this instance as like most travel insurance policies, there is no cover if you are allowed to travel but you decide you do not want to. If the travel provider will not agree to alternative options, you should wait to see if the trip can go ahead or not.  Cancelling when there is no FCDO advice against travel to your destination will void a potential claim from the travel provider or from your insurance policy.

  • You should revert to the retailer, ticket or excursion provider in the first instance to seek a refund in accordance with the booking terms & conditions. Depending on whether you chose to cancel or were forced to cancel your trip, costs that are not recoverable from the provider may be recoverable from your card issuer if this was used to make the purchase. If you used a Adam card for the purchase, please contact Adam 24 via adam24@adambank.com with details of your trip (please ensure you do not include any sensitive information) and they will be in touch. Alternatively, please call them on 0131 278 3888. You may also have buyer protection if payments were made through PayPal who can be contacted directly through your PayPal account.

    If any part of your costs are not refunded, Allianz Assistance may be able to consider a claim for your circumstances (based on the date you purchased your travel policy or booked your excursions/sightseeing trips and if that was before or after the pandemic notification from the WHO and the FCDO advice at that time). The insurer will review claims on a case-by-case basis but you need to recover all refundable costs before submitting a claim. Please contact the Travel Claims department if your trip is due to take place within the next month and you wish to discuss your options prior to cancelling it by calling them on 0131 549 8668.

  • You should discuss further with your travel provider as it may be possible for you to obtain a refund from them. Please refer to their Conditions of Carriage/Booking Conditions for details of your contractual rights regarding refunds if they cancel your booking. If this states they will provide a refund, you will need to take this up with the travel provider directly or with the appropriate industry regulator if you believe they are not fulfilling their contractual obligations. If the travel provider has agreed to provide a refund but is unable to provide this immediately, you will need to direct any complaint regarding the delay to them.

    Should you be unable to obtain a refund from your travel provider and you made the purchase using a  card, costs that are not recoverable from your travel provider may be recoverable from your card issuer. If you used a Adam card for the purchase, please contact Adam 24 via adam24@adambank.com with details of your trip (please ensure you don’t include any sensitive information) and they will be in touch. Alternatively, please call them on 0131 278 3888. You may also have buyer protection if payments were made through PayPal who can be contacted directly through your PayPal account.

    If the travel provider is not contractually obliged to provide a refund and has not offered an alternative or you cannot recover the trip expense from any other source, such as from the card issuer, or PayPal (where applicable), then Allianz Assistance will consider a claim if the booking was made before 11 March 2020 on a case-by-case basis. Please contact the Travel Claims department if your trip is due to take place within the next month and you wish to discuss your options prior to cancelling it by calling them on 0131 549 8668.

  • It may be possible for you to obtain a refund instead of a credit voucher from your travel provider but you would need to contact them and request this directly. You would need to refer to the travel provider's Conditions of Carriage/Booking Conditions to confirm whether or not you have any contractual rights to a cash refund instead. If you do, and you feel that they are not fulfilling their contractual obligations, you may wish to discuss this with them further or refer your concerns to the appropriate industry regulator.

    On 18 July 2020, the UK government said it will protect refund credit notes issued between 10 March 2020 and 30 September 2020 for ATOL-protected package holiday bookings, meaning those who accept them will get their money back if the company collapses.

    If you choose to decline the credit vouchers and you made the purchase using a card, costs that are not recoverable from your travel provider may be recoverable from your card issuer. If you used a Adam card for the purchase, please contact Adam 24 via adam24@adambank.com with details of your trip (please ensure you do not include any sensitive information) and they will be in touch. Alternatively, please call them on 0131 278 3888. You may also have buyer protection if payments were made through PayPal who can be contacted directly through your PayPal account.

    Allianz Assistance will not settle a claim for a refund in this instance as the travel provider offered a credit voucher.

  • You should discuss further with your travel provider as it may be possible for you to obtain a cash refund from them. Please refer to their Conditions of Carriage/Booking Conditions for details of your contractual rights regarding refunds if they cancel your booking. If this states they will  provide a refund, you will need to take this up with the travel provider directly or with the appropriate industry regulator if you believe they are not fulfilling their contractual obligations.                

    If you choose to decline the credit voucher and you made the purchase using a card, costs that are not recoverable from your travel provider may be recoverable from your card issuer. If you used a Adam card for the purchase, please contact Adam 24 via adam24@adambank.com with details of your trip (please ensure you do not include any sensitive information) and they will be in touch. Alternatively, please call them on 0131 278 3888.   

    If you accept the credit voucher on a booking that is not ATOL protected and the travel provider goes into administration before you are able to redeem your credit voucher, you will need to contact the company administrators to establish if your credit  voucher is still valid and, if not, request a cash refund. You may become a creditor of the company at that stage but the administrators will be able to provide advice on whether or not a refund can be provided. 

    On 18 July 2020, the UK government said it will protect refund credit notes issued between 10 March 2020 and 30 September 2020 for ATOL-protected package holiday bookings, meaning those who accept them will get their money back if the company collapses.

    If you are unable to receive reimbursement of the value of the voucher from the administrators or through the ATOL scheme, you may submit a claim for consideration under Section 24 – End Supplier Financial Failure of your policy. To do this please contact IPP Claims at Cunningham Lindsay on +44 (0)345 266 1872, email insolvency-claims@ipplondon.co.uk or go to their website at www.ipplondon.co.uk/claims. Please ensure you mention Adam Black Card travel insurance and quote reference ESFI-V2.18.

  • For bookings made whilst COVID-19 is classified as a pandemic and when the FCO advice is against ‘all but essential travel’ to that country, you would not be covered for COVID-19 as this would be considered an ‘anticipated event’ at the time of booking. This means that Allianz Assistance would not consider claims as a result of this.

    If the booking is made when the FCDO advice exempts that country from travel restrictions, then you would be covered for cancellation if you contract COVID-19 or need to self-isolate when you are due to travel. You would not be covered for cancellation if the FCDO then changes its advice and restricts travel.

    When you are due to travel, if the country is exempted from FCDO advice against ‘all but essential travel’, then you will be covered for medical expenses if you contract COVID-19 during the trip.

  • Please refer to your travel provider to discuss the options available to you. We cannot provide guidance on what you should do, but if you would like to discuss how cover may apply for the options you have discussed with your travel provider, please contact Allianz Assistance.

  • Whilst there is no cover for this circumstance, you may be able to change your destination or travel dates with your travel provider. Please contact them directly to discuss your individual situation. If you can amend your trip and you have already purchased a single endorsement for your trip through Allianz, please contact Allianz Assistance to discuss how they can change your endorsement to ensure it remains valid.

  • You will not be covered to travel to a country or area the FCDO have advised British travellers not to travel to for non-essential reasons.  If you still travel, the policy will not provide cover as you have travelled against FCDO advice.

    Please contact the Travel Claims department if your trip is due to take place within the next month and you wish to discuss your cover options prior to cancelling it by calling them on 020 7126 7531. If you booked your trip and had Adam Black Card travel insurance in place by 11 March when COVID-19 was declared a pandemic, Allianz Assistance will consider claims for any unrecoverable cancellation costs, in line with the policy terms and conditions.

  • It is important that you keep up to date with advice provided regarding COVID-19 and for general travel to ensure you can act in accordance with this advice and remain insured. You should therefore monitor official updates regarding Coronavirus at the following sources:

    Adam Black Card travel insurance is underwritten by AWP P&C SA and administered in the UK by Allianz Assistance except section A24 which is underwritten by Liberty Mutual Insurance Europe SE and administered by International Passenger Protection Limited

  • Whilst there is no cover for this circumstance, you may be able to change your destination or travel dates with your travel provider. Please contact them directly to discuss your individual situation. If you can amend your trip and you have already purchased a single trip endorsement for your trip through Allianz, please contact Allianz Assistance to discuss how they can change your endorsement to ensure it remains valid.

    • If you live in the UK and the amount you are paying on your credit card is between £100 and £30,000, your booking may be covered under Section 75 of the Consumer Credit Act if the booking has not been fulfilled or provided by the company you have booked with.
    • If you use a card, you may be entitled to request a chargeback from your card issuer where the booking has not been fulfilled or provided by the company you have booked with.
    • If you do not want to use a card, PayPal also offers buyer protection when payments are made through their system.
    • Choose a flexible booking option to ensure you can make changes should you need to.
    • For accommodation, many providers offer free cancellation on reservations. Although it can sometimes cost a little more than a non-refundable booking, this guarantees you a refund if you need to cancel for any reason after making the reservation.
    • When booking a package trip, check if the provider is ATOL bonded (UK-based providers only). You will then be refunded if the provider cannot fulfil the contract or goes into liquidation before you travel. It also offers protection if the travel provider goes into liquidation whilst you are on your trip, including assistance for any additional accommodation or transport needed to ensure a safe return to the UK.
    • Always check the terms of booking to ensure you are satisfied with the conditions being applied. Some providers include ‘force majeure’ clauses which can you leave you out of pocket with no entitlement to a refund if the provider cannot fulfil the booking due to extraordinary reasons that are beyond their control. Please be aware that this is more common with companies based outside the UK.

we're here to help

If you paid for your trip using an Adam debit, credit or charge card, and have been unable to claim a refund from your travel provider, please contact Adam 24 via adam24@adambank.com with details of your trip (please ensure you do not include any sensitive information) and they will be in touch. Alternatively, please call them on 0131 278 3888.

If you need to make a claim on your Adam Black Card travel insurance, or have any questions that are not answered in our guidance and your trip is due to take place within the next month, then please:

  • call Allianz Assistance direct on 0131 549 8668 (please note call waiting times are longer than usual)

If your trip is not due to take place within the next four weeks, then please delay contacting Allianz Assistance until the month before your trip.

Information correct as at 14 December 2020.

important information

Adam Black Card travel insurance is underwritten by AWP P&C SA and administered in the UK by Allianz Global Assistance except section A24 which is underwritten by Liberty Mutual Insurance Europe SE and administered by International Passenger Protection Limited.

 

IMPACT ON TRAVEL IN EUROPE AFTER BREXIT

We know our clients like to travel and that you may have some questions about travelling after 31 December 2020. 

  • Any existing EHIC cards will still be valid until they expire.  New cards, renewals or replacement EHIC requests will be provided as GHIC cards.  GHICs and most UK EHICs do not cover you in Norway, Iceland, Liechtenstein or Switzerland.  It’s important that you ensure you take out appropriate travel insurance.

  • Passports – on the day you travel, you’ll need your passport to have at least six months left until expiry as some counties won’t let you in if the passport is not between 6 months and 10 years.

    If your trip exceeds 90 days, you may need to apply for an electronic visa waiver - ETIAS (European Travel Information and Authorisation System.  This is regardless of the fact Adam Black Card travel insurance has a maximum trip limit of 93 days).

    Check you have the right driving documents.

    Organise pet travel - contact your vet at least 4 months before you go to get the latest travel advice.

    Check with your mobile phone provider about potential roaming charges

    Further information, including business travel can be found on the Foreign Commonwealth and Development Office website

    Information correct as at 04/01/21.

    Coronavirus

    There has been a steady increase in the number of countries reporting incidents of people infected with  the Coronavirus. The Coronavirus originated from China and has now reached other parts of the world, including Europe.

    We know some of our clients are travelling already and some will be due to go away soon. As a result, we understand you may be looking for some guidance on how your Adam Black Card travel insurance will protect you.

    What you will be covered for:

    • Cancellation of a trip to a destination that the Foreign and Commonwealth Office (FCO) have advised against all or all but essential travel to (provided the booking was made before this advice was published and the Adam Black Card was opened before this date) - up to the limit of £15k per beneficiary

    • Curtailment of a trip if you have to return to your country of residence early following a change in advice from the FCO for the destination you are at, which now advises against all travel or all but essential travel (provided the advice was published after you had departed on your trip) - up to the limit of £15k per beneficiary

    • Full medical cover should you require medical attention after contracting the virus (provided guidance from the FCO and local authorities has been adhered to)

    • Up to £5k per beneficiary under the Catastrophe section of the policy for necessary additional travel and accommodation expenses if you are no longer able to stay at your pre-booked and pre-paid accommodation, as a result of the coronavirus. (If during a trip the FCO advice for the destination you are   at changes and the guidance is for you to come home early, additional costs can be considered under the policy)

    • Please note that there' is a £50 per beneficiary excess applicable for all claims made due to the above

    What you will not be covered for:

    • Any section of the policy if the trip is booked after the FCO have advised against travelling to a particular destination or if the Adam Black Card was opened after this date

    • Cancellation of a trip due to the destination where the FCO have not advised against all travel or all but essential travel to the insured's intended destination

    • Curtailment of a trip due to the destination if the FCO have not advised against all travel or all but  essential travel to the insured's destination once they are abroad

    For further assistance please contact Allianz on 0131 549 8668

    PLEASE NOTE: Due to the constantly evolving travel situations caused by the COVID-19 global outbreak, Allianz are receiving higher than normal call volumes with increased call waiting times.  Please try to telephone if your trip is due within the next four weeks.  If your trip is at a later date please email Allianz at Adam.claims@allianz-assistance.co.uk  putting your name and date of outward travel in the subject line.  Allianz will respond to you but will be prioritising clients due to travel imminently. We thank you for your patience.

    Information last updated: 17 March 2020

     

     

Exclusive

Benefits

  • Exclusive to Black, the dedicated team is available to provide expert help 24 hours a day, 7 days a week

    Available to Black cardholders 24 hours a day, seven days a week, the team speaks over 20 languages. From assisting with every aspect of travel from flight information, tickets, accommodation and car hire, to emergency currency, lost passports, messaging and interpretation services, the team is known for exceptional organisational skills and advice.

    Adam Concierge also helps with social and leisure arrangements, from dinner reservations to chartering a yacht and booking tickets for sporting, theatrical and art events. Adam Concierge is also on hand to support with domestic duties, from sourcing staff including cleaners, gardeners and nannies, to recommending interior designers, estate agents and other property services

  • Complimentary access for cardholders to executive airport lounges worldwide.

    With Priority Pass™, you and your secondary cardholder will start every trip the right way.

    • 1000 executive airport lounges, the world over
    • Just £15 per guest if you need to arrange access for travelling companions – as long as there’s capacity in the lounge
    • Most lounges allow children
  • Peace of mind with cover for emergency medical expenses, cancellations and baggage loss.

    Your whole family is covered — including your partner and any dependent children — when you charge the cost of your trip to your Adam Black Card. You can also extend the cover to include guests travelling with you.

    Black Card travel insurance protects you and your belongings against a range of risks. These include medical emergencies, loss of baggage, cancellation, and even piste closure for winter trips.

    Adam Insurance Product Information Document

    Adam Black Travel Insurance Guide

    Coronavirus

    There has been a steady increase in the number of countries reporting incidents of people infected with  the Coronavirus. The Coronavirus originated from China and has now reached other parts of the world, including Europe.

    We know some of our clients are travelling already and some will be due to go away soon. As a result, we understand you may be looking for some guidance on how your Adam Black Card travel insurance will protect you.

    What you will be covered for:

    • Cancellation of a trip to a destination that the Foreign and Commonwealth Office (FCO) have advised against all or all but essential travel to (provided the booking was made before this advice was published and the Adam Black Card was opened before this date) - up to the limit of £15k per beneficiary

    • Curtailment of a trip if you have to return to your country of residence early following a change in advice from the FCO for the destination you are at, which now advises against all travel or all but essential travel (provided the advice was published after you had departed on your trip) - up to the limit of £15k per beneficiary

    • Full medical cover should you require medical attention after contracting the virus (provided guidance from the FCO and local authorities has been adhered to)

    • Up to £5k per beneficiary under the Catastrophe section of the policy for necessary additional travel and accommodation expenses if you are no longer able to stay at your pre-booked and pre-paid accommodation, as a result of the coronavirus. (If during a trip the FCO advice for the destination you are   at changes and the guidance is for you to come home early, additional costs can be considered under the policy)

    • Please note that there' is a £50 per beneficiary excess applicable for all claims made due to the above

    What you will not be covered for:

    • Any section of the policy if the trip is booked after the FCO have advised against travelling to a particular destination or if the Adam Black Card was opened after this date

    • Cancellation of a trip due to the destination where the FCO have not advised against all travel or all but essential travel to the insured's intended destination

    • Curtailment of a trip due to the destination if the FCO have not advised against all travel or all but  essential travel to the insured's destination once they are abroad

    For further assistance please contact Allianz on 0131 549 8668

    PLEASE NOTE: Due to the constantly evolving travel situations caused by the COVID-19 global outbreak, Allianz are receiving higher than normal call volumes with increased call waiting times.  Please try to telephone if your trip is due within the next four weeks.  If your trip is at a later date please email Allianz at Adam.claims@allianz-assistance.co.uk  putting your name and date of outward travel in the subject line.  Allianz will respond to you but will be prioritising clients due to travel imminently. We thank you for your patience.

    Information last updated: 17 March 2020

     

     

  • For life’s unforeseen eventualities

    Car Breakdown Cover

    When you’re travelling in continental Europe, it’s good to know you won’t be stranded if your car develops a fault. Roadside assistance, a legal helpline and repatriation services all come as standard.

    Cover is provided by Green Flag, one of the UK’s leading car breakdown companies, and begins seven days before any planned trip. So even the necessary hire of a replacement car, or the cost of re-booking a ferry crossing can be covered.

    Car Hire Insurance

    Automatic protection, every time you use your Adam Black Card to pay for car hire – subject to terms and conditions.

    Adam Insurance Product Information Document

    Adam Black Travel Insurance Guide

Functional

Flexibility

  • Add up to six additional cardholders – perhaps family members, or the most valuable members of your support team. And, for each cardholder, a spending limit set by you – as well as fully itemised spending.

    You can tailor each card even further, choosing to extend your full range of benefits to each additional cardholder for an additional annual fee. If you don’t need these benefits for a cardholder, we’ll issue their card without the annual fee.

    One Adam Black Secondary cardholder may be nominated free of charge. Further secondary cardholders thereafter may be subject to a fee. 
    Over 18s only.

  • For added security and peace of mind, Adam Online Verification ensures that only the cardholder is permitted to transact online.

    We have also introduced additional layers of security for your Adam cards that will make online shopping less obtrusive but no less safe. Our new service is easier to use as there is no need to register your card or remember a password.

    Find out more about Online Verification

  • Recognised worldwide, Black is accepted at over 33 million MasterCard® international locations. So that wherever you are, you can be sure that Black is there for you.

  • Contactless provides a faster way to pay for items up to £45. A convenient alternative to cash – a quick and secure way to touch and pay for those smaller purchases.

  • Using your card to make a contactless payment with Apple Pay or Google Pay is fast, easy and secure – no personal information is passed from your phone to the reader, not even your name or bank details. If you use Apple Pay or Google Pay, you can even complete contactless purchases over £45 (retailer limits may apply).

    Find out more about:

    Apple Pay

    Google Pay

The Adam Black Card An Introduction

Statement of Lender and Borrower Responsibilities

Adam & Company adheres to The Standards of Lending Practice which are monitored and enforced by the LSB: www.lendingstandardsboard.org.uk

 

Trusted worldwide with invaluable security benefits

Become a Client


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