West Yorkshire Police Federation Group Insurance …wypf.polfed.org/wp-content/uploads/2013/10/West-Yorkshire-Scheme... · Life Insurance £120,000 Terminal Prognosis Advance on Life

Serving Member to age 65Life Insurance £120,000Terminal Prognosis Advance on Life Insurance* 20% of sum insuredChild Death Grant £3,000Permanent Total Disablement from any occupation £100,000Permanent Total Loss of eye(s), limb(s) or hearing in both ears £50,000Permanent Total Loss of hearing in one ear £20,000Permanent Total Loss of speech £50,000Permanent Disabling Injuries % ScaleUnsociable Hours Benefit max 24 weeks (ex first 14 days) 7.5% of USHOn-Duty Assault Benefit - Firearm £1,500

- Knife/Sharp Instrument £750Temporary Total Disablementmax 104 weeks (ex first 7 days) £28 per weekAccidental Damage to Teeth Up to £250Unrecovered Criminal Court Compensation Up to £250Casting Benefit (due to accident)

Up to 5 years service £10,0005 to 10 years service £5,000

Hospitalisation following an accident up to 28 nights £50 per nightReg 28 Sick Pay Benefit** - Half Pay (for up to 26 weeks) 15% scale pay

- No Pay (for up to 26 weeks) 25% scale payCritical Illness £15,000Child Critical Illness £3,750RedArc Plus Family CoverWorldwide Travel Policy Family CoverLegal Expenses including ID Theft Protection IncludedHome Emergency IncludedMotor Breakdown (UK & Europe) Member & PartnerMobile Phone Member OnlyCALENDAR MONTHLY SUBSCRIPTION £22.15

Cohabiting Partner to age 65 of Serving Member (Optional Extension)Life Insurance £60,000Terminal Prognosis Advance on Life Insurance* 20% of sum insuredPermanent Total Disablement from any occupation £50,000Permanent Total Loss of eye(s), limb(s) or hearing in both ears £10,000Permanent Total Loss of hearing in one ear £5 ,000Permanent Total Loss of speech £10,000Hospitalisation following an accident up to 28 nights £25 per nightAccidental Damage to Teeth Up to £250Critical Illness £5,000Mobile Phone IncludedCALENDAR MONTHLY SUBSCRIPTION £7.20*Terminal Prognosis Advance only available for members aged 63 and under**Variable benefits apply to Police Staff under this benefit.

West Yorkshire Police FederationGroup Insurance SchemeEffective from 1 November 2014

2 Police Federation Group Insurance Scheme

Retired Member to age 65Life Insurance £50,000Terminal Prognosis Advance on Life Insurance* 20% of sum insuredChild Death Grant £3,000RedArc Plus Family CoverWorldwide Travel Policy Family CoverLegal Expenses including ID Theft Protection IncludedHome Emergency IncludedMotor Breakdown (UK and Europe) Member & PartnerMobile Phone Member OnlyCALENDAR MONTHLY SUBSCRIPTION £29.50

Cohabiting Partner to age 65 of Retired Member (Optional Extension)Life Insurance £25,000Terminal Prognosis Advance on Life Insurance* 20% of sum insuredMobile Phone IncludedCALENDAR MONTHLY SUBSCRIPTION £9.00

Retired Member age 65 to 69 inclusiveLife Insurance £7,500Child Death Grant £3,000RedArc Plus Family CoverWorldwide Travel Policy Family CoverLegal Expenses including ID Theft Protection IncludedHome Emergency IncludedMotor Breakdown (UK and Europe) Member & PartnerMobile Phone Member OnlyCALENDAR MONTHLY SUBSCRIPTION £29.50

Cohabiting Partner age 65 to 69 (Inclusive) of Retired Member (Optional Extension)Life Insurance £7,500Mobile Phone IncludedCALENDAR MONTHLY SUBSCRIPTION £9.00*Terminal Prognosis Advance only available for members aged 63 and under

Retired Member Benefits

Police Federation Group Insurance Scheme 3

Important Information

This booklet is a summary only. The benefits aresubject to certain exclusions and policy conditionsnot stated in this booklet which in the event of aclaim will be applicable. The benefits are providedstrictly under the terms of the insurance policiestaken out by the trustees of the scheme.Subscription to the scheme entitles the member tothe benefits provided by the scheme but confers noownership of any of the underlying policies whichare vested in the trustees. The trustees retain thefull policy wording detailing all benefits andexclusions which may be viewed on request to theFederation Office.Applying to JoinServing officers can apply to join the scheme at anytime by completing a medical underwritingapplication form which is available from theFederation Office. The first three monthlysubscriptions are free of charge when joining thescheme for the first time. New probationary recruitsto the police service may join the scheme without theneed for the completion of the medical underwritingapplication form and their first 52 weeks of serviceare free of charge. The Federation and/or PhilipWilliams & Co reserve the right to decline anyapplications.Cohabiting Partner ExtensionsAny cohabiting partner extension will cease whenthe member or cohabiting partner reach 70 years ofage whichever is the sooner. Any cohabiting partnercover and/or extension will cease when the memberceases to be a member of the scheme.Career breaks, maternity leave,secondment or living overseasThose going on a career break, maternity leave,secondment or are living overseas must contact theFederation Office to identify if cover can be maintained.Retirement from the Police ServiceServing officers upon retirement from WestYorkshire Police may remain in the scheme as aretired member by submitting a completedmembership continuation form to the FederationOffice prior to retirement. Individuals are not eligibleto join the scheme after their retirement date.Transfer, resignation or dismissalServing officers who transfer, resign or are dismissedfrom the police service are not eligible to remain inthe scheme and all membership and benefits willcease including any cohabiting partner extension.

Subscription collectionSubscriptions are collected monthly by deductiondirect from salary/pension unless that is notpossible when alternative arrangements may beagreed. Monthly subscription payments must bemaintained in order to remain a member of thescheme and to qualify for any benefits.InsurersA list of the insurers is available on request. Fullpolicy wordings for certain policy sections areavailable to download via QR codes. These may alsobe available at the Federation Office, on theFederation Website or by visiting the Group Schemesection of www.philipwilliams.co.ukHow to cancel your coverIn the event that you need to cancel your coverplease contact the Federation Office.Complaints ProcedureThe Federation Insurance Scheme is arranged onbehalf of the trustees by Philip Williams andCompany who are authorised and regulated by theFinancial Conduct Authority (Registration Number308860). The trustees are responsible fororganising the policies and dealing with theinsurance broker. Any complaints about any aspectof the scheme should in the first instance bedirected to the Federation Office. The insurancebroker will then be asked to investigate thecomplaint and resolve any matter either via theFederation Office, directly with the member, orthrough the appropriate underwriting organisation.Please contact the Federation Office by telephone01924 295493/4/5 or write giving details of yourcomplaint to: Federation Offices, West YorkshirePolice, Trenarren, 3 Eastmoor Road, Wakefield,WF1 3RY.

Should you remain dissatisfied then you may askthe Financial Ombudsman to investigate yourcomplaint. Please contact the FinancialOmbudsman Service by telephoning 0300 1239123 or by downloading the complaint form fromwww.financial-ombudsman.org.uk


Life InsuranceOn death of a member or spouse/partner who arecovered under the scheme the cash benefit detailedin the current benefits table will be paid. The policyis written in Trust so that if a member dies theproceeds can be paid by the Trustees to themember's beneficiaries quickly, free of tax andwithout having to wait for probate. Members shouldensure that they have an up-to-date beneficiarynominated and have lodged the details with theFederation Office in order to assist the Trustees in theevent of a claim. If a member or covered partneraged 63 or under receives a terminal prognosis of 12months or less, they may apply to the Trustees for anadvance of the death benefit of 20% of the relevantsum insured.Child Death GrantThis benefit is paid upon the death of a dependentchild of a serving member, aged between 6 monthsand 17 years.Permanent Total DisablementPayable when a serving member or covered partneris unable to perform any gainful employment and isunable to exist independently requiring continualsupervision for activities of daily living as a result ofan accident.

Accidental Loss of Useand Permanent Disabling Injuries BenefitVariable Benefits paid in the event of:-- Loss of sight in one or both eyes- Loss of use of one or more limbs- Total loss of hearing in one or both ears- Total loss of speech- Total loss of use of:- a) back or spine (excluding cervical) without cord involvement b) neck or cervical spine without cord involvement c) shoulder, elbow or wrist d) hip, knee or ankle- Loss of or total loss of use of:- a) foot below the level of the ankle (talofibular joint) b) thumb c) one forefinger or big toe d) any other finger e) any other toeHospitalisation BenefitIf an accident directly results in a serving memberor covered partner making an immediate overnightstay in hospital (being admitted as an in-patientwith the stay extending from at least midnight to07:00 a.m. for each night claimed).

Explanation of Benefits

You may be able to downloadthe full policy wording andterms and conditions byscanning the QR code intoyour mobile phone.


Temporary Total Disablement(including Post Traumatic Stress Disorder)Cover is provided for serving members only. If anaccident, occurring on or off duty, is the sole causeand directly results within the subsequent two yearsin the member being unable to perform their policeduties and being signed-off sick then a temporarytotal disablement benefit may be payable. Thisbenefit will also be paid to members diagnosed withsuffering from Post Traumatic Stress Disorder (PTSD)as a result of attending an incident on police duties.Such PTSD must be the clear result of an incidentthat occurred within the two years prior to thediagnosis, was documented in the police records,and is of sufficient severity to prevent theperformance of duties. The benefit will be paid for amaximum of 104 weeks excluding the first 7 days.Benefit ceases on return to duty ordischarge/retirement from the police service.Sick Pay Benefit (Regulation 28)If a member suffers a reduction in pay under PoliceRegulations or terms of employment, the benefits asshown in the policy will become payable. Benefitsunder this section for Police Staff are shown in thefull policy wording. The benefit ceases on return towork or if the member retires, resigns, is dischargedfrom the police service, or fails to pay the monthlyscheme subscription. In addition the benefit shall notbe payable if the member has been offeredreasonable adjusted duties with a return to full payand has declined such duties without reasonablecause. Any overpayment due to a reversal in thedecision by West Yorkshire Police which results in aresumption of pay (including any back payment) ordue to a failure by the member to inform the insurersof a return to work must be repaid in a prompt andtimely manner.Unrecovered Criminal CourtCompensationCover is provided for serving officers only. If, as aresult of an on-duty assault, compensation you havebeen awarded by the Court has not been paid withinsix months from the payment date of the award abenefit payment will be made.

Unsociable Hours BenefitIf a serving officer sustains bodily injury following anaccident or contracts sickness resulting in totaldisablement entirely preventing that Insured Personfrom engaging in or giving attention to his/her usualoccupation We will pay a benefit equal to 7.5% ofthe Insured Person’s basic Scale Pay hourly ratewhile the Insured Person is unable to work theirUnsociable Hours that had been scheduled prior tothe commencement of disablement as recorded inPolice Force records.

We will not pay for scheduled Unsociable Hours forthe first 14 days of each period of disablement. Themaximum benefit We will pay in respect of thisextension is:Constables: £60 per weekSergeants: £75 per weekInspectors and Chief Inspectors: £95 per weekAssault BenefitThis benefit is payable where a member whilst onpolice duty suffers an assault with a firearm, knife orother sharp instrument which results in actualphysical injury which renders the member unfit forduty for a period of three consecutive days or more.Casting BenefitThis benefit is payable in the event of a Membertaking compulsory retirement on ill health pension asa result of an accident. No Casting Benefit is payableif a Member has accrued more than 10 years ofservice. Years of service means the number ofreckonable pensionable service attained by themember at the date of casting from the policeservice.Accidental Damage to TeethIf following an accident you damage otherwise soundand natural teeth, up to £250 towards costs willbecome payable.


The scheme benefits will be payable if a serving member, a dependent child aged from 6months to 17 years, or a subscribing partner, suffers from an insured illness and survives formore than 28 days from the date of diagnosis or surgery.

Please refer to the policy wording for full definitions of the illnesses covered.

- Alzheimer’s Disease- Angioplasty- Aorta Graft Surgery- Aplastic Anaemia- Bacterial Meningitis- Benign Brain Tumour- Burns- Cancer- Cardiomyopathy- Chronic Liver Disease- Coma- CJD- Coronary Artery Bypass Graft Surgery- Dementia/Pre-Senile Dementia- Encephalitis- Heart Attack- Heart Valve Replacement/Repair - HIV / Hepatitis B- Kidney Failure

- Loss of Hearing- Loss of Speech- Loss of Limbs- Loss of Sight (Blindness)- Major Organ Transplant- Motor Neurone Disease- Multiple Sclerosis- Paralysis- Parkinson's Disease- Primary Pulmonary Hypertension- Progressive Supranuclear Palsy- Pulmonary Artery Surgery- Respiratory Failure- Rheumatoid Arthritis- Stroke- Terminal Illness- Total & Permanent Disability - Traumatic Head Injury

Critical Illness



A telephone support service which providesAccess to a Personal Nurse Adviser for you andyour family to provide support in the event of:- Serious Illness- Bereavement- Long Term Disability- Stress- Support for people when discharged from hospital

Your Personal Nurse Adviser will be able to assistwith:- Help in understanding the condition and all its implications- Explain options for treatment- Help to prepare for consultants appointment- Explain medical terms in simple everyday language- Help families to cope with consequences of illness- Information and advice on home adaptations/specialist equipment- Find suitable equipment & medical aids- Provide information on entitlements from NHS- Helping you to make as speedy recovery as possible and good long term management of their condition, or- Simply a listening ear when you are feeling low, or want to talk to someone who is not emotionally involved.

At the discretion of the nurse, when clinicallynecessary they may be able to arrange extra help.

The RedArc service is free of charge andconfidential. If you think you may be eligible youshould ring RedArc on 01244 625183 in normalbusiness hours.

RedArc Plus



Policy Number MT 14/1396This policy covers the me mber, their cohabitingpartner and their unmarried dependent childrenunder 18 years (or 21 years if in full timeeducation) all normally resident in the familyhome, for any number of trips in any year up to60 days per trip. It covers travel in the UnitedKingdom and worldwide.The main sections of cover are:- Cancellation and curtailment up to £3,000- Emergency medical expenses up to £5,000,000- Personal baggage up to £1,500- Personal money up to £500- Public liability up to £1,000,000- Personal accident up to £20,000

Please see the separate travel policy booklet forfull details of benefits and exclusions.How to make a claimIn the case of medical emergency pleasecontact the 24hr Emergency Assistance on:+44 (0) 207 183 3751Other non-urgent claims should be made to 0845 230 1656or [email protected]

Main Conditions and ExclusionsCover under this policy ceases at age 70. Forsubscribing members who are aged under 70years, partners are covered up to age 74 years.

The policy contains an important warranty andexclusions relating to existing health conditions. An excess of £50 is applicable for most policysections. The excess is payable per person, persection, per insured incident subject to amaximum of £100.

There are significant limitations and exclusionsof cover for property, including valuables andmoney, that is left unattended or out of yourimmediate control and supervision. Please alsonote the requirements for notifications ofloss/theft and the need for reports.

A separate booklet detailing full policy terms andconditions is available from the Federation Office.

Worldwide FamilyTravel Insurance



Section of CoverCriminal Prosecution Defence(£185,000)

Personal Injury(£100,000)

Residential Protection(£100,000)

Peaceful Occupation of Home(£100,000)

Consumer Protection and ContractualDisputes(£100,000)

Data Protection(£100,000)

Uninsured Loss Recovery& Motor Prosecution Defence(£100,000 but limited to £2,500 in providingrepresentation following the seizure of a vehicleas a result of incorrect information being on theMotor Insurance Database and £5000 for MotorDefence claims)

Discrimination Allegation Defence(£100,000)

Probate Disputes(£100,000)

Employment Disputes(£100,000)

Fund Trustee Defence(£100,000)

Representation atPublic Enquiries(£100,000)

Independent Police ComplaintsCommission Investigations(£100,000)

Disciplinary Hearings Representation(£20,000)

Bankruptcy(£1,000)

Education Admission Appeals(£100,000)

Taxation(£100,000)

Identity Theft (claim line 01384 377000)(£100,000)

Personal Legal Assistance and Guidance(Limit Not applicable)

Some important facts about the Professional Fees policy are summarised below. This summary doesnot describe all of the terms and conditions of the policy. Certain policy sections also providecover for partners and children. See full policy wording for details.

Legal HelplineThe 24 hour legal helpline can be contacted on0845 900 3589 for initial advice and furtherinstructions on how to make a claim.The helpline should be contacted before anylegal advisor is appointed.Please quote scheme number LES/256/1274

Arranged by Legal Insurance Management Ltd.underwritten by Ageas Insurance Ltd.

Legal Expenses



This policy provides assistance in the event of adomestic home emergency in order to provide animmediate short-term solution. Home EmergencyAssistance will appoint a suitably qualifiedcontractor to attend your home and meet withinthe limits any associated costs.Claims Helpline 0844 571 7987Cover is provided 24 hours a day, 365 days a year:Insured EventsCover is provided for domestic emergencies forthe following insured events:- Breakdown of the main heating system- Plumbing and drainage problems- Damage to or failure of home and window lockswhich compromises the security of the home- Breakage or failure of the toilet unit- Loss of domestic power supply- Lost keys- Vermin infestation- Roof DamageClaim Limit(s)The maximum payable per claim is £1,000The insurer will pay the following: i) The Contractor’s call-out charge ii) The Contractor’s labour up to a maximum of three hours iii) Parts and materials up to £150 vi) Alternative Accommodation up to £500Emergency definitionA sudden unexpected event which clearlyrequires immediate action in order to:a) prevent damage or avoid further damage tothe member's primary home, and/orb) render the primary home safe or secure,and/orc) restore the main services to the member'sprimary home, and/ord) alleviate any health risk to the member.

Reasonable CareYou must take reasonable care and maintain theproperty and its equipment in good order andtake all reasonable precautions to prevent lossor damage.This policy is designed to respond to anemergency situation. Efforts will always be madeby the contractor to resolve an emergency bycompleting a permanent repair where this canbe done at a similar cost to a temporary repair.However, where a temporary repair has beencarried out, the onus will be upon you to carryout any additional repairs or work to permanentlyresolve the reason for the emergency occurring.Should you fail to carry out any necessarypermanent repair, we will be unable to acceptany further claims in relation to this problemuntil this has been undertaken and completed.

Home Emergency



Comprehensive motor breakdown cover for youand your partner including:- Roadside Assistance/Recovery- Home Assist- Alternative Travel- Emergency Overnight Accommodation- Misfuel Assist- Lack of Fuel- Message Service- Caravans & Trailers- Keys- European Assistance

How to Make a ClaimIf the car, motorcycle, or car-derived van you oryour partner are travelling in or any caravan ortrailer of a proprietary make you are towingwhich is fitted with a standard towing hitch anddoes not exceed 7 metres/23 feet suffers abreakdown caused by a mechanical or electricalfailure, misfuel, accident, theft, vandalism, fire,or flat tyre which immediately renders the vehicleimmobilised, please call our 24 hour ControlCentre on 0333 600 7371 or 01206 771796.For assistance in mainland Europe please call+44 1206 771796

Please have the name of the covered member,your return telephone number, vehicleregistration number and precise locationavailable when requesting assistance.

0333 numbers are chargeable at a local rateincluding from mobile telephones. They areusually included in network providers “freeminute” packages. Please program the ControlCentre’s telephone number in you and yourpartner’s mobile telephones.

All use of this service is available for the coveredmember and their partner. We consider a‘partner’ any person married, civil partnered, orcohabiting with the covered member at the timeof the incident. Any claim will be validated withthe Police Federation, or other such adminis-trative organisation, with costs for any claimsfrom non-eligible persons being the responsi-bility of the claimant.

Cover will apply during the period of insuranceand within the territorial limits. There is no agelimit to the car, motorcycle, or car-derived van forbreakdowns occurring in the UK. A vehicle agelimit of 10 years applies outside the UK.

Please note Campervans/MotorHomes areexcluded.

For details and a list of European countiescovered please see the full policy wording.


UK and EuropeanMotor Breakdown


Covered IndividualsThis cover is provided for:- Subscribing members- Retired members - Partners of serving and retired members forwhom additional cover is opted for and paid

This policy provides for you and your partner’smobile phone(s) to be covered against the repairor replacement cost in the event of theft,accidental loss, accidental damage, orbreakdown whilst in you or your partner’spossession during the period of insurance.

Pre-registration of mobile phones is notrequired, but ownership and age of the phonewill need to be evidenced by the relevant proofof purchase.

How to Make a ClaimIf you need to make a claim please contactBrightstar Insurance Services B.V. (UK Branch),Weston Road, Crewe, CW1 6BU.Telephone number 01270 755028Please refer to full policy terms and conditionsprior to making a claim.

Claim limit(s)An excess of £50 applies for each and everyclaim.

The liability of the insurer in respect of any oneclaim and in aggregate for any 12 month periodwill be the replacement cost of the mobile phoneand in any event shall not exceed a total claimcost up to a maximum of £1000 including VAT.

The maximum liability limit includes cover of upto £750 including VAT for unauthorised datausage for a period of up to 24 hour directlyfollowing a valid theft or accidental loss.

The mobile phone should be no more than eightyears old at the time of the incident asevidenced by the relevant proof of purchase.

Upon acceptance of a claim, the insurer may atits discretion replace your mobile phone with afunctionally equivalent or better model whichmaybe a refurbished mobile phone of similarquality.

Mobile Phone

Full policy wording and policy summary can be accessedeither by downloading them from the QR reader (you cansave a copy using the settings on your phone or tablet),online at www.philipwilliams.co.uk or request details bycontacting Philip Williams and Company during office hourson 0845 230 1650

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HOME COVER FROM HOMEPLAN CAR INSURANCE WITH AVIVA24/7 accident & claims helpline available 365 days a year

Uninsured driver promise If you’re hit by an uninsured driver and it wasn’t your fault, your no claim discount won’t be lost and we’ll refund any excess you’ve had to pay. (1)

Mobile repair network Aviva can arrange for a mobile repairer to visit you, at a convenient time and location, for many cosmetic and bodywork repair claims, on cars over 3 years old. (2)

Transport after accident If your car is not safe to drive, we’ll arrange to get you to your destination, and deliver your car to a repairer. (3)

Lifetime repair guarantee while you remain a customer Following a claim we guarantee the quality of repairs made by our approved repairers for as long as you insure your car with us. (4)

Courtesy car supplied as standard

1. You’ll need to provide us with details of the other vehicle and driver.2. Mobile service depends on nature of damage and availability. Not suitable for structural or mechanical damage.3. Onward travel arranged on comprehensive cover within UK, Channel Islands and Isle of Man only.4. Parts are covered for the length of the guarantee given by the part manufacturer or supplier.Wear and tear is not covered. You must keep your vehicle roadworthy.

Great levels of cover

Friendly, knowledgeable UK-based staff

Fully flexible to suit your needs, we can tailor your policy to suit you

Very high levels of customer care, we promise to look after you in the event of a claim

Interest-free direct debit payment over 12 months

Dedicated consultant for life of your policy

Additional 10% off your Home Insurance if you take out Motor Insurance

To get great home cover give us a call on 0800 212 092 or visit us at philipwilliams.co.ukLines open Mon-Fri, 9am-5pm, except bank holidays.

For our best rates call us on 0800 092 3018 and see what we can do for youLines open Mon-Fri, 8am-6pm, except bank holidays, 9am-1pm Sat.

Calls from UK landlines are free. Calls may be monitored and/or recorded.

Homeplan provided by Philip Williams & Co. 35 Walton Road, Stockton Heath, Warrington, WA4 6NW. Authorised and Regulated by The Financial Conduct Authority.Car Insurance underwritten by Aviva Insurance Limited. Registered in Scotland No. 2116. Authorised by the Prudential Regulation Authority and regulated by the Financial

Conduct Authority and the Prudential Regulation Authority.

†Terms and conditions available at www.philipwilliams.co.uk

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10.14. PWI1551A v9

Worldwide Travel Insurance Policy Number MT14/139624hr Emergency Assistance +44 (0)20 7183 3751Non-Emergency Claims 0845 230 1656

Motor Breakdown Cover (UK) 0333 600 7371(Europe) +44 (0)1206 771796

Home Emergency 0844 571 7987

Legal Expenses 0845 900 3589(quote LES/256/1274)

RedArc Plus 01244 625 183

Mobile Phone 01270 755028

Claims Procedures

Claims should be reported as soon as is practical and if possible within 30 days of theincident/diagnosis. If claims are not reported within 90 days of the date of the incident/diagnosisthey may not be met. The onus is on the member to notify a claim and it is not the responsibility ofWest Yorkshire Police Federation or Philip Williams & Company to make a member aware of theirentitlement to claim.

For Life, Critical Illness, Accident and Sick Pay Benefits please contact the Federation Office on01924 295493/4/5

Documents can be downloadedby visiting the Group Schemesection of our websitewww.philipwilliams.co.uk or byscanning the QR code.