EMIGRATION POLICY

Travel Insurance - Emigration Policy

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For over fifteen years Downunder Insurance Services Limited has been servicing the long-haul / backpacker market, as well as those returning home or Emigrating. Our niche has also always had a slant towards Australia & New Zealand especially. We have now launched a new specialist Emigration policy. This product, which is underwritten by Europ-Assistance, offers clients cover on their travels to their final country of destination / Emigration (for a period of 5 days to 6 months), but what is new and exciting is that we can offer cover INSIDE their new country of Emigration for a period of One, Two or Three Months.

Many policies available in the marketplace today cease cover on arrival in their final country of destination (or very shortly thereafter) – which might leave your clients uninsured (especially for Medical Costs) . This gives the client peace of mind that for the initial period in a new country they would be covered for.

Part 1 summary of cover whilst travelling to the new country of Emigration;

SUMMARY OF COVER
Description	Cover per insured	Excess per insured
Cancellation, Curtailment & Trip Interruption Catastrophe	£3,000 £500	£65 £65
Personal Accident Death If the Insured Person is aged under 18 Loss of one or more Limbs, or total and irrecoverable Loss of Sight in one or both eyes Permanent Total Disablement	£10,000 £2,5000 £30,000 £30,000	NIL
Medical Emergency & Repatriation Emergency Dental Treatment Hospital Daily Benefit	£10,000,000 £250 £10 per complete day of inpatient treatment: up to £600	£85 £85 NIL
Personal Luggage Single Article, or Pair or Set of Articles Valuables Limit (Limited to £100 if Insured Person is under 18) Money & Passport Cash (Limited to £50 if Insured Person is under 18) Passport Luggage Delay	£1,500 £200 £200 £500 £300 £250 In excess of 12 hours: £100	£65 £65 £65 £65 £65 £65 £65
Travel Delay Additional Accommodation & Travelling Costs	£20 for the first full 12 hour delay then £10 for each subsequent full 12 hours: maximum £250 £2,000 per trip	NIL NIL
Hijack	£50 per day up to £500	NIL
Missed Departure on the Outward Journey	£1,000	£65
Personal Liability	£2,000,000 per policy	£100
Legal Protection	£25,000 per policy	£100

This Schedule of Cover is intended as a summary of cover only. Make sure you read your Policy Wording
thoroughly as it defines the full terms and conditions in detail. Also, make sure you take your Policy Wording
and Certificate with you as a reference when you travel.

Part 2 summary of cover whilst in new country of emigration;

SUMMARY OF COVER
Description	Cover per insured	Excess per insured
Personal Accident Death If the Insured Person is aged under 18 Loss of one or more Limbs, or total and irrecoverable Loss of Sight in one or both eyes Permanent Total Disablement	£10,000 £2,5000 £30,000 £30,000	NIL
Medical Emergency & Repatriation Emergency Dental Treatment Hospital Daily Benefit	£10,000,000 £250 £10 per complete day of inpatient treatment: up to £600	£85 £85 NIL
Personal Luggage Single Article, or Pair or Set of Articles Valuables Limit (Limited to £100 if Insured Person is under 18)	£1,500 £200 £200	£65 £65 £65
Personal Liability	£2,000,000 per policy	£100
Legal Protection	£25,000 per policy	£100

This Schedule of Cover is intended as a summary of cover only. Make sure you read your Policy Wording
thoroughly as it defines the full terms and conditions in detail. Also, make sure you take your Policy Wording
and Certificate with you as a reference when you travel.

THESE POLICIES CANNOT BE PURCHASED ONLINE.

PLEASE CONTACT OUR OFFICES ON 0800 393 908 TO PURCHASE.

Part 1 price list whilst travelling to the new country of Emigration;

Price List (£)
Period	Europe*	Australia and New Zealand*	Worldwide (Excl)*	Worldwide*
5 Days	13.00	16.00	15.00	16.00
10 Days	15.00	19.00	20.00	22.00
17 Days	17.00	33.00	33.00	37.00
24 Days	20.00	38.00	38.00	44.00
35 Days	22.00	40.00	41.00	45.00
45 Days	32.00	48.00	51.00	59.00
2 Months	39.00	57.00	64.00	75.00
3 Months	54.00	70.00	89.00	107.00
4 Months	70.00	96.00	114.00	138.00
5 Months	85.00	112.00	140.00	170.00
6 Months	100.00	129.00	165.00	202.00

Part 2 price list whilst in new country of emigration;

Price List (£)
Period	Europe*	Australia and New Zealand*	Worldwide (Excl)*	Worldwide*
1 Month Extension	22.00	40.00	41.00	45.00
2 Month Extension	39.00	57.00	64.00	75.00
3 Month Extension	54.00	70.00	89.00	107.00

* Please refer to Emigration Policy Wording Page 5 for full geographical limits

All Prices are in Sterling and Inclusive of IPT. Prices quoted are available online only.