Found inside – Page 248New York, NY 10018 Phone: (212) 525-5000 www.us.hsbc.com HSBC Finance Corporation 2700 Sanders Road KEY COMPETITORS ... see the “careers” section of www.hsbc.com ING Insurance Americas 5780 Powers Ferry Rd. NW Atlanta, GA HSBC Holdings plc. Find the HSBC Insurance resource library and all the download forms. Monday - Friday, 9:00am - 5:00pm Sydney Time (excluding public holidays). Phone: (65) 6225 6111  (Mondays to Fridays, 9am to 5pm), 9 Battery Road,  #12-01 MYP Centre,  Singapore 049910, Marina Bay Financial Centre Tower 2 Level 48-01 Singapore 018983. This website is designed for use in the United Kingdom. Contact us HSBC net Service Hotline AXA Home Insurance. If you're legally liable for an employer's business equipment and you're working from home in a clerical capacity, we'll pay up to the policy limit for office equipment if employees are legally liable for any damage or theft, or if the employer doesn't have any cover in place. For mutual fund related inquiries, please contact us at 1-800-830-8888. Found inside – Page 267For additional analytical, business and investment opportunities information, please contact Global Investment & Business ... Assurance Society Ltd. Insurance Swan Group Centre 10, Intendance Street Port-Louis Activity: Life Insurance, ... Reverting to the HSBC. A London court dismissed on Monday a fraud claim brought by a U.K. currency investment firm alleging that HSBC's traders misused its confidential information to rig foreign exchange markets, ruling that the lawsuit had been brought too late. All insured persons must be residents of the UK, Channel Islands or Isle of Man. E-mail to Jane Lawrie - General Enquiry. HSBC Home Insurance is underwritten by Aviva Insurance Limited. Found inside – Page 3391 Paternoster Square London , England EC4M 7DX http://www.lexiconpartners.com Phone : 020 7653 6000 Fax : 020 7653 6001 HSBC Securities ( USA ) , Inc. 452 Fifth Avenue Tenth Floor New York , NY 10018 http://www.hsbc.com Phone : ( 212 ) ... Please note that other websites will have polices that differ from our own terms and conditions and privacy policy. We will endeavour to provide a response within two working days. You can also add Home Emergency cover as part of our multi-insurance policy, Select and Cover. HSBC travel insurance overview. 2116. If you have any enquiries related to personal banking, kindly refer to our HSBC Personal Banking contact page. AXA Travel Insurance. HSBC Bank Australia Limited (HSBC) ABN 48 006 434 162. Find out more about Ways to bank. Lines open 8am to 9pm Monday to Sunday (closed Christmas Day, Boxing Day and New Years Day) Calls may be monitored or recorded. Found inside – Page 157HSBC conducted a pilot on sales of LifeChoices alongside personal loans and credit cards between September 2009 and ... branch customers a direct sales approach by telephone ( as opposed to customers having to meet with FPMs ) . On public holidays, opening hours may vary. The database, the full text of the report, and the underlying country-level data for all figures—along with the questionnaire, the survey methodology, and other relevant materials—are available at www.worldbank.org/globalfindex. 24 hours a day, 7 days a week. New Window: HSBC Insurance Brokers Limited - Contact Us. E-mail to Jane Lawrie - General Enquiry. Whole life, universal life, term life, and other types of insurance are offered by HSBC Insurance Agency (USA) Inc., a wholly owned subsidiary of HSBC Bank USA, N.A. Cover applies worldwide, but we can only arrange a replacement phone when you're back in the UK (or the Channel Islands or the Isle of Man if you're resident there). This may involve providing solutions to make your home habitable or providing suitable alternative accommodation. For HSBC Gold MasterCard and HSBC Platinum MasterCard Medical emergency line: +44 (0)1243 621 064 For travel claims: +44 (0)1603 605 124 Outside the US or Canada: 847.320.6200 However, if they are now working from home in a non-clerical capacity (eg You have stock or goods at home), please get in touch with us. What types of cover does HSBC offer? What do I do with a loss draft check? We don’t charge for making changes to your policy. Monday to Friday: 8:00am - 6:00pm. Anyone named as a HSBC Insurance Aspects holder is covered for Motor Breakdown Assistance. Get a lifetime protection policy that means just that: it covers your whole life. Lines are open 8am to … Existing customer? International services. We offer: Cover for up to 9 people – ideal for individuals, couples, families and groups. Visit our Help page to find out how. feedback form for processing customer comments or questions. In California, HSI conducts insurance business as HSBC Securities Insurance Services. HSBC UK Bank plc, 1 Centenary Square, Birmingham, B1 1HQ, United Kingdom, 9928412 acts as an introducer to Aviva Insurance Limited. Lines are open 8am to 4pm, Monday to Friday, except on public holidays. 1800 121 2208 +91-40-61268002 +91-80-71898002. For Life Insurance. If you need additional assistance, you can also contact us or call (65) 6225 6111. With effect from 31 May 2019 the HSBC Insurance Aspects fee is as follows: £11.95 per month. Find out more. HSBC Personal Banking / Credit Cards (Toll Free) 1800 267 3456. (c). It's easy to answer your query online. Your travel insurance and cover will remain valid in the event of Brexit, including if there is ‘no deal’. Find out more. Lines are open Monday to Friday 9am to 5.30pm. For further information, please contact your relationship manager, or call our professional insurance service team: 021 - 3888 5465 or 021 - 3888 1381. This combined discount does not apply to Landlord Insurance policies. 0345 300 5898. If you have an existing HSBC Easy Life Insurance policy and need a copy of your Product Disclosure Statement, need to make a claim on your policy or need information please call Allianz on 1300 362 108. It's easy to answer your query online. Latest promotions and offers. The easiest way to contact us is via our chat assistant. Registered Office: 1 Centenary Square, Birmingham, B1 1HQ. Premier Worldwide Travel Insurance. Features and benefits. Lines are open 08:00 to 20:00 Monday to Friday, 08:00 to 16:00 on Saturdays and 10:00 to 16:00 on Sundays. Insurance Within UAE: 800 4560. You must be registered with a Doctor in the UK in order to make any medical claims or claims for cancellation or coming home early due to medical emergencies. For General Insurance . HSBC holiday insurance warning. HIA California License #: … Explaining HSBC’s service Your travel insurance policy is underwritten by Aviva Insurance Limited. Learn more about what’s covered in your Home Insurance policy. If you're not sure which products are right for you, please contact your local branch and one of our team will discuss your options with you. Found inside – Page 113Daniel Ip Marine and general insurance Royal & Sun Alliance Insurance Plc ( Avero Belgium Insurance ) ( Head office ... www.ctc-services.com GUINEA - BISSAU HSBC Insurance Brokers ( Asia - Pacific ) Ltd 20th Floor , 108 Gloucester Road ... Yes, with HSBC Motor Breakdown Assistance, cover is personal to the HSBC Insurance Aspects holder and so you're covered whether you're the driver or passenger of an eligible vehicle. AXA insurance provided through HSBC offers much more than just a claim settlement. Contact us Ways to bank. HSBC UK Bank plc, Registered in England and Wales number 9928412. This insurance is available to customers aged under 70*. Found inside – Page 262For additional analytical, business and investment opportunities information, please contact Global Investment & Business ... Assurance Society Ltd. Insurance Swan Group Centre 10, Intendance Street Port-Louis Activity: Life Insurance, ... Found inside – Page 1524In addition , because HSBC was not going to have direct contact with the Pension Fund investors , the relationship ... and insurance components , and included HSBC's logo and the legend “ HSBC Bank USA as Trustee ” on the cover page . So if you wanted, for example, to remove personal belongings cover or add home emergency cover during the lockdown period, your premium may change but there would be no additional charges. Life Insurance is no longer available through HSBC. Find out more about AXA insurance products provided through HSBC. Alternatively, you could visit your local HSBC branch and fill in a claim notification form. Easily browse our help topics to learn more about our products and services, or simply contact us to ask a question. Give us a call or leave us a contact … In the Isle of Man HSBC Bank plc is licensed by the Isle of Man Financial Services Authority. As part of your HSBC Premier experience, you enjoy the benefit of Premier Worldwide Travel Insurance at no extra cost. You can contact them on their direct line, by email or through our secure messaging service. Visit our Manage your loan page; Give us a call. HSBC Travel Insurance is provided by Aviva Insurance Limited in the UK. To get a HSBC Home Insurance quote or find out more click on the buttons below. 3.54% for the … For HSBC Insurance Aspects Medical emergency line: +44 (0)1603 605 142 For travel claims: +44 (0)1603 604 910. Limited quota. Outside the US or Canada: 716.841.7855. £5.95 per month if all policy holders are aged 70 or above (does not include travel insurance) this fee will be taken from your HSBC Advance Bank Account. Mon-Fri 8am - 8pm ET . Motor Breakdown Assistance covers you as a driver or passenger of any eligible vehicle for breakdowns which occur at your home address or on the road in the UK. If you're working from home in your garage or outbuilding, you should check to see if your policy cover is sufficient - there may be limits on the cover provided, such as for theft from outbuildings. What is covered by my Mobile Phone Insurance policy? Please refer to policy Terms and Conditions for full details and further information. Pay yearly, half-yearly, quarterly, monthly, or with a single premium. HSBC Home Insurance is provided by Aviva Insurance Limited. We welcome new HSBC Home Insurance customers with top quality cover for everything you care about most - and 12 months' cover for the price of 10 for the first year*. You can choose from Buildings or Contents cover, or combine the two for total peace of mind. HSBC Personal Banking: Contact Details: 1300 308 008 (+61 2 9005 8220 if calling from overseas) Phone Enquiry Type: HSBC Credit Cards: Contact Details: 132 152 (+61 2 9005 8511 if calling from overseas) Phone Enquiry Type: Online Banking and Mobile Payments: Contact Details: 1300 306 543 (+61 2 9005 8421 if calling from overseas) Investments Within UAE: 800 4320. AFSL/Australian Credit Licence No. Online, phone, mobile or in branch, we make it easy to bank with us. Found inside – Page 269HSBC Life Macau Retirement Scheme Money Market Fund HSBC Life (International) Limited 27.11.2003 HSBC Life Macau ... please contact Global Investment & Business Center, USA China Insurance (Macau) Company Limited Macao Avenida Dr. HSBC Premier Credit Card. Please call Aviva on 0800 328 1563 at the point of booking your trip, and one of their advisers will be happy to assist you. Access PDF versions of important insurance documents. Simply ask your adviser when booking your appointment. Title:*. Fund Switch / Premium Redirection Form - Growthinvest Insurance Plan (SGD) (PDF, 228.3KB) Fund Switch / Premium Redirection Form - Growthinvest Insurance Plan (SGD) (PDF, 228.3KB) Download link Fund Switch / Premium Redirection Form - Growthinvest Insurance Plan (USD) (PDF, 257.9KB) Fund Switch / Premium Redirection Form - Growthinvest Insurance Plan (USD) (PDF, 257.9KB) Download link HSBC Bank Middle East Limited has a complaint/feedback handling process in place, details of which are provided below. Found inside – Page 196For additional analytical, business and investment opportunities information, please contact Global Investment & Business ... HSBC Insurance Solutions (Bermuda) Limited Mr. Robert Eastham P.O. Box HM 3033 Continental Building 25 Church ... We do not provide any advice based on any consideration of your objectives, financial situation or needs. HSBC Premier Credit Card. If you close your HSBC Advance Bank Account from which the monthly fee is paid, we will automatically close HSBC Insurance Aspects at the same time. From Overseas. Futura. 232595 arranges this insurance as an agent for Allianz. Annual multi-trip policies with trip limits of 31, 45, 60 or 90 days. You can also chat with us securely using our business mobile banking app. In California, HSBC does business as HSBC Securities Insurance Services, License # OE67746. Make application for Platinum Business Card. Business Banking # 1800 274 3211 (Toll Free) +91-22-50166043 Detailed explanation of which bank and savings accounts qualify for federal deposit insurance coverage, how one person can have multiple accounts covered, and when the temporary $250,000 coverage will revert to $100,000. Found inside – Page 46... HSBC, insurance firm American International Group (AIG), Citibank, Royal Dutch Shell and Deutsche Bank. Standard Chartered Bank recently announced it will set up its own call centre, employing 2000 personnel to improve the bank's ... Tel： （86 755）36514688. Corporate information. OR. Whilst Aviva will be the insurer of this policy and will remain liable to you under the terms and conditions of this policy, it will use The Carphone Warehouse Limited as its agents to help administer your policy and deal with claims. Found inside – Page 261SG Hambros Bank & Trust (Guernsey) Limited Southern Insurance Management Limited The Islands' Insurance Brokers Limited The ... Heath Lambert Insurance Management (Guernsey) Limited HSBC Insurance Management (Guernsey) Limited Insurance ... HSBC Currency Account. If you wish to contact us using the Text Relay service please use the prefix 18001 with any of our standard contact numbers ... M&S Life Insurance Claims department, C/O HSBC Life UK Limited, PO Box 1053, St Albans, AL1 9QG. HSBC Life Insurance Company Limited Shenzhen Branch. HSBC Premier Credit Card. There is no cover for undiagnosed symptoms or any claim where you knew at the time of opening your HSBC Insurance Aspects or booking your trip (whichever is later) that you or your travelling companion may be unable to travel or may need to come home early e.g. If you decide to cancel your HSBC Insurance Aspects it will not be possible to reinstate this in the future. If you would like us to reply to your comments or provide you with product information please complete your contact details below. Support is available . Holidays in the UK, Channel Islands or Isle of Man need to involve a stay of at least 2 consecutive nights in pre-booked accommodation or have pre-paid flights or ferry crossings. Also includes additional benefits for delays due to avalanche, ski pack, piste closures or injury or illness which prevents you from taking part in winter sports activities, optional upgrades: Extended trip duration, increased cancellation and abandonment cover, increased cover for golf equipment and green fees, you must own the phone and be a UK resident, your phone can be on contract or Pay-as-you-go, maximum 2 claims per HSBC Insurance Aspects holder per policy year. Home emergency service 0800 051 1750 1. If members of your household are now working from home solely in a clerical capacity, you don't need to tell us. Follow HSBC UK on Facebook This link will open in a new window, Follow HSBC UK on Twitter This link will open in a new window, Follow HSBC UK on YouTube This link will open in a new window, Our website doesn't support your browser so please upgrade, View our service status to see how we're doing, Careers, media, investor and corporate information. But if it's not covered in your home or if employees are legally liable for damage or theft, we'll support our home contents customers by taking a more flexible approach. Terms and Conditions (PDF, 497.8KB) for HSBC Insurance Aspects Download, Insurance Product Information Document (for customers under the age of 70) (PDF, 851KB), Insurance Product Information Document (for customers under the age of 70) (PDF, 851KB) Download, Insurance Product Information Document (for customers aged 70 or above) (PDF, 847.2KB), Insurance Product Information Document (for customers aged 70 or above) (PDF, 847.2KB) Download, Your Travel Policy Document (PDF, 2.2MB) Download, Insurance Product Information Document for customers aged under 70 (PDF, 851KB), Insurance Product Information Document for customers aged under 70 (PDF, 851KB) Download, RAC Reimbursement form (PDF, 142KB) Download, More details about 24 hour motor breakdown assistance Opens in overlay, Get in touch about motor breakdown assistance Opens in overlay, Your Motor Breakdown Policy Document (PDF, 898.9KB), Your Motor Breakdown Policy Document (PDF, 898.9KB) Download, Insurance Product Information Document for customers aged under 70 (PDF, 853.9KB), Insurance Product Information Document for customers aged under 70 (PDF, 853.9KB) Download, Insurance Product Information Document for customers aged over 70 (PDF, 347.2KB), Insurance Product Information Document for customers aged over 70 (PDF, 347.2KB) Download. HSBC holiday insurance warning. By sending an SMS with the preferred Insurance product to the above dedicated HSBC hotline using my registered mobile number with the Bank: I hereby authorize The Hongkong and Shanghai Banking Corporation Limited ('HSBC') to share my registered contact Number(s), National Identity card number and the Full Name with Allianz Insurance Lanka Ltd ('Company') in-order for the Company to … HSBC offers discounts for applying online at the time of writing this article, plus the advertise other savings and discounts based on previous claims and other services you may take from HSBC. Most employers will have insured business equipment such as computers, laptops, monitors and printers. Fixed rate until 31/01/2024. Here’s how to make a home insurance claim. You can find out more here. Found inside – Page 164Of these 5 undertake both life and general insurance, whilst one company confines itself to life insurance activities only. ... Its primary activities are investing in Government Securities, Treasury Bills, Inter bank call money market, ... Save the helpline number so you've got it to hand in an emergency: 08000 014 279 or 01603 606 377 (calls to this number are charged at your standard network rate). Please call on the numbers below if you need help with the following: Lines are open 08:00 to 20:00 Monday to Friday, 08:00 to 16:00 on Saturdays and 10:00 to 16:00 on Sundays. HSBC was first established in 1865 and is one of the biggest banks in the world. With effect from 31 May 2019 the HSBC Insurance Aspects fee is as follows: Please note that Insurance Aspects is currently not available for new customers. Get a Quote Find out more. 2116. Information about HSBC. Its Select and Cover worldwide travel insurance is open to existing HSBC current account, savings account, mortgage and credit card customers. HSBC Rewards Customers can choose one of the gifts below when taking out a new HSBC Home Insurance policy from 1st April 2021 inclusive. T&Cs apply. How HSBC Insurance can help you. Log on to Internet Banking. HSBC Personal Loan Creditor Insurance Lines of credit and Overdrafts. View all credit cards. Contact Centre Resident Customers. Leverage the strength of Trade Credit Insurance to minimise the risk of non-payment and bad debt losses – whether related to customer default and insolvency or political and economic instability. HSBC to acquire AXA Singapore ... Help and support Find answers to your queries or contact us for further help ; About HSBC Insurance. Our insurance experts are here to help you, advising you on the most suitable insurance plan to mitigate the risks of property damage, employees’ injuries and legal liabilities. *Eligibility criteria: to be eligible for HSBC Insurance Aspects Worldwide Travel Insurance you must be aged under 70 at the start of your trip. To get a HSBC Life Insurance quote or find out more click on the buttons below. 1300-88-1128 . Fill in a feedback form. You will need to call the HSBC Medical Risk Assessment Helpline on 08000 517 142 before booking your trip if you or any insured person in the last 12 months has been prescribed medication, have received or are awaiting medical treatment, tests or investigations, been referred to a specialist or admitted to hospital for any condition not listed on the accepted conditions list in the 'Your Health' section of the policy booklet. For HSBC Commercial Banking customer who takes out a new HSBC Life Benefits+ Medical Insurance Plan (with policy effective date between 1 February 2021 and 31 December 2021, both dates inclusive), the Insured Persons under the policy will also receive the following Complimentary Special Benefits for COVID-19, with cover guaranteed for the first policy year. Phone: (65) 6225 6111. Found inside – Page 66HALCROW Address : 8 / F Salustiana Ty Tower , 104 Paseo de Roxas , Legaspi Village , Makati City Tel No : ( 02 ) 819-5231 HSBC ELECTRONIC DATA PROCESSING ( PHILIPPINES ) INC . Address : 5150 Northbridgeway , Northgate Cyberzone ... HSBC Credit Card. +356 2148 9100. Use the ‘ Help ’ tab on the right hand side of your screen to access these services. HSBC Insurance Aspects fee. Contact HSBC. License #: OE67746 . AXA Motor Insurance. Cover is restricted to HSBC Insurance Aspects holders, and so to ensure that you are able to have assistance, it may be necessary to confirm that you are the policyholder. SME Lending. With HSBC Home Insurance, you can choose the level of protection that suits you – whether that’s buildings cover, contents cover or both. This website is designed for use in the United Kingdom. during the period of cover, we’ll replace your phone if any of the following applies: we’ll also replace your battery and charger if they are damaged, lost or stolen in the same incident as the phone (or if we replace your phone with a different make or model and this means you can no longer use them). One of the perks of this is free holiday insurance. Maximum LTV 60%, maximum loan size £5m. To help us continually improve our service, and in the interests of security for all parties, telephone calls may be monitored and/or recorded. Contact Centre Resident Customers. Feedback and complaints ... Its purpose is to provide an additional channel for you to contact HSBC for any query resolution. Outside UAE: +971 800 4320. Within Malaysia 1300-88-1018 Operation hours : Monday - Friday , 9.00 am - 6.00 pm . Outside the US or Canada: 716.841.6866. Book appointments to open an account at HSBC Business Centres. If you tell us that you are moving outside of the UK, Channel Islands or Isle of Man, we will close HSBC Insurance Aspects from your date of departure. HSBC Insurance Aspects is currently not available for new customers to purchase. Whenever you see the Live Chat tab, you can send us a message and be instantly connected. £1,500 for monthly contract and £150 for PAYG, Get in touch to cover your phone Opens in overlay, Your Mobile Phone Insurance Policy Document (PDF, 1MB), Your Mobile Phone Insurance Policy Document (PDF, 1MB) Download, Follow HSBC UK on Facebook This link will open in a new window, Follow HSBC UK on Twitter This link will open in a new window, Follow HSBC UK on YouTube This link will open in a new window, Our website doesn't support your browser so please upgrade, what’s covered under HSBC Travel Insurance, View our service status to see how we're doing, Careers, media, investor and corporate information, hold and pay the monthly fee from your HSBC Advance Account, £5.95 per month if all policy holders are aged 70 or above (does not include travel insurance), this fee will be taken from your HSBC Advance Bank Account, Worldwide Travel Insurance (for eligible customers aged under 70), baggage cover for loss, theft or damage to your personal belongings, up to £10 million of medical cover for emergency medical treatment and associated expenses, disruption to your travel plans: Cover if you miss your pre-booked transport or your pre-booked transport is delayed for at least 12 hours, up to £5000 cancellation and abandonment cover: Refund of non-recoverable travel and accommodation costs if you're forced to cancel or cut short your trip including cover for if your transport or accommodation provider or booking agent becomes insolvent or you're unable to travel or continue your trip because of a terrorist attack, Winter Sports cover. *This link may allow you to access another HSBC Group website. HSBCnet Technical. Social media channels. 0345 030 8715. Do you need to know about any medical conditions? HSBC Group  |  © Copyright HSBC Group 2002-2021. Calls may be … Found inside – Page 218... 11 Name HSBC INSURANCE (ASIA) LTD Address 1/F,Edif.Comercial Si Toi,619 Avenida da Praia Grande,Macau Telephone 2821 2323 Fax 2821 7162 12 Name ING LIFE INSURANCE CO (MACAU), LIMITED Address Avenida Almeida Ribeiro, no.61,11 andar ... If you travel outside of the UK to carry out office-based clerical or administrative duties you are covered up to a maximum of 31 days in any calendar year. Advance hotline. Personal Accident Insurance. Fax： （86 755）33227720. You may be able to purchase a policy upgrade for an individual trip to extend the duration up to a maximum of 120 days. www.lifeinscouncil.org | IRDAI Registration no: 136. www.irdai.gov.in WEBNJV3CHODEC17 ENG | CIN: U66010DL2007PLC248825 "Trade Logo of Canara HSBC Oriental Bank of Commerce Life Insurance Company Limited (Insurer) is used under license with Canara Bank, HSBC Group Management Services Limited and erstwhile Oriental Bank of Commerce which got amalgamated with Punjab National Bank … Found inside – Page 299INSURANCE MANAGERS AS AT 31 December 2000 - UNRESTRICTED AIG Insurance Management Services (Guernsey) Ltd Aon Insurance ... Heath Lambert Insurance Management (Guernsey) Limited HSBC Insurance Management (Guernsey) Limited Insurance ... Legal claims 0800 051 1718 1. HSBC Advance: 866:584.4722. You can also protect your health and can even insure your life, so your family would be looked after if something were to happen to you. SME Lending. Home insurance from HSBC includes settling claims over the phone, replacement for new, a 24 hour help line, alternative accommodation and more. HSBC Bank plc, Guernsey Branch is licensed by the Guernsey Financial Services Commission for Banking, Insurance Intermediary and Investment Business. HSBC Investment Funds. HSBC Credit Card. We will respond to all genuine banking queries between 9am and 5pm, Sunday to Thursday, so if there's something you need to know, please send us a tweet. Found inside – Page 238For additional analytical, business and investment opportunities information, please contact Global Investment & Business ... URL: www.arminco.com/homepages/arax HSBC Insurance (Armenia) Jonathan Stark, General Manager 3 Komitas Avenue, ... Your policy covers you (the policyholder), any joint account holder and anyone temporarily using the phone with your permission. Request quotes and apply for insurance and investment products. You may also want to cover the health of your employees with a group medical plan. HSBC, one of the largest banking and financial services institutions in the world, serves millions of customers through its four Global Businesses. If you need to prove you have Travel Insurance, you can ask Aviva for confirmation of cover. Aviva’s business policies are sold, administered and underwritten by Aviva Insurance Limited. Loans. Your cover starts as soon as you are a HSBC Insurance Aspects holder or 1 November 2018 whichever is later.