go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
go to top
|
This policy is a CONTRACT OF
INSURANCE. It contains details of the cover,
conditions and exclusions relating to each
Insured Person and is the basis on which all
claims will be settled. In consideration of the
payment of the required premium, Travel and
Personal Underwriters Limited (the Underwriting
Agents) hereby agree to pay or indemnify the
Insured Person or his/her personal
representative as follows; subject to the terms,
conditions and exclusions of this policy, on the
certificate or schedule and in the application
form.
We must draw your attention to a number of
important features of this insurance. PLEASE
READ THESE FEATURES AND THE WHOLE OF THIS
DOCUMENT CAREFULLY. |
|
Insurance
Policy: this contains full details of the
cover provided plus the conditions and
exclusions which apply to it. You must
read the insurance policy carefully.
Conditions and Exclusions:
there are conditions and exclusions which apply
to individual sections and general conditions
and exclusions which apply to the whole policy.
Date Change Exclusion:
changes in dates could see widespread failure of
computer and other systems containing computer
chips, which depend on date-related information
in order to work properly. Other than in respect
of Sections 2 and 3 your policy excludes
anything directly or indirectly caused by
failure of any computer hardware or software or
other electrical equipment to recognise or
process any date as its true calendar date.
Medical Expenses: the policy
does not provide private health treatment unless
specifically approved by the emergency service.
Health: the certificate
contains conditions relating to the health of
the people travelling and others upon whose
well-being the trip may depend. It may be that
you are required to disclose the condition of
such people prior to cover being issued and you
must be aware that the failure to disclose such
information will prejudice your position in the
event of a claim. Please see the section
entitled: "Health Conditions".
Property claims: these are
settled on an indemnity basis - not a "new
for old" or replacement cost basis, unless
otherwise stated in the policy.
Limits: most sections of the
policy have limits on the amount the insurer
will pay under that section. Some sections also
include inner limits eg: for one item, or for
valuables in total.
Law applicable: this policy
is subject to English Law, unless you and the
insurer have agreed otherwise.
Excesses: claims under most
sections of the policy will be subject to an
excess. Where there is an excess, you will be
responsible for paying the first part of a
claim.
Reasonable care: you are
required to take all reasonable care to protect
yourself and your property and to act as though
you are not insured.
Complaints: the insurance
policy includes a complaints procedure that
tells you what steps you can take if you wish to
make a complaint.
"Cooling-Off" Period:
the policy contains a "Cooling-Off"
period which allows you to return it and obtain
a full refund, if you have a justifiable reason
to be dissatisfied with the cover provided.
Please see the section entitled:
"Cooling-Off Period".
Hazardous Activities: the
policy may not cover you when you take part in
certain hazardous activities eg: Mountaineering.
If you want cover for such activities, please
contact your issuing agent. Please see the
section entitled "Hazardous
Activities" to see what activities are
covered under the policy at no additional
premium, what activities can be included in
return for additional premium and what to do if
you wish to participate in an activity not
listed.
Pregnancy: This policy does not cover
pregnancy where the Insured Person is expected
to give birth before or within 14 weeks of the
date of arrival home.
Countries or areas where cover is excluded: Please
be advised that this policy will not cover you
for any claim whatsoever in the event that you
travel to a country or area that (at the
commencement of your trip) the Foreign and
Commonwealth Office Advisory Unit has advised
against all travel, or against travel for
essential purposes. As such, prior to travel you
should visit the following website (www.fco.gov.uk/knowbeforeyougo)
to ascertain the FCO's position on your chosen
destination(s). If one or more of your
destinations is listed, please be aware that
cover under this policy will not apply. |
|
| The
Underwriting Agents/We/Us/Our |
Travel and
Personal Underwriters Ltd. |
| Insured
Person/You/Your/Yourself |
Each person named
on the Schedule/Certificate. |
| Holiday/Journey/Trip |
Any Holiday/Journey,
business or pleasure trip within the
geographical limits and the duration for which
the appropriate premium has been paid. |
| Home |
Your
normal place of residence in the United Kingdom,
Channel Islands, Isle of Man or Eire. |
| Business
Associate |
Any person whose
absence from the business for one or more
complete days at the same time as Your
absence prevents the effective continuation of
that business. |
| Medical
Practitioner |
A registered
practising member of the medical profession who
is not related to You or any person with
whom You are travelling. |
| IMR
Medical Emergency Service |
International
Medical Rescue. |
| Close
Relative |
Husband, wife,
parent, step-parent, parent-in-law, child,
step-child, son-in-law, daughter-in-law,
brother, step-brother, sister, step-sister,
fiancé(e) or partner. |
| Valuables |
Jewellery, furs,
watches, articles made of or containing precious
metals or stones, mobile telephones, hearing
aids, sports or leisure equipment, musical
instruments, binoculars, electronic games,
audio, video, photographic or computer equipment
including any ancillary equipment or accessories
owned by You. |
|
| AREA 1 |
United Kingdom,
Isle of Man and Channel Islands. |
| AREA 2 |
Europe, including
countries west of the Ural mountains; the
Azores; Canary Islands; Iceland; Jordan; Madeira
and countries bordering the Mediterranean Sea
(except Algeria, Lebanon & Libya). |
| AREA 3* |
Worldwide
excluding USA & Canada. |
| AREA 4* |
Australia &
New Zealand. |
| AREA 5 |
Worldwide
including USA & Canada. |
| *Policyholders,
who have chosen cover for Areas 3 or 4, should
note that this policy extends their cover to
include Area 5 for up to 25% of their trip
duration. |
|
Here are some
important notes that could assist You:
- Any loss of or damage to baggage whilst in
the custody of a carrier (Airlines etc.)
must be notified immediately to the carrier
and a written report obtained. In the case
of an Airline, a Property Irregularity
Report must be obtained.
- Any loss, theft or suspected theft of
property, money or valuables must be
reported to the local police immediately
upon discovery and a written report
obtained. If there is a representative of
the Travel Organiser in the locality they
should also be informed.
- A receipt must be obtained for any
expenditure which might be the subject of a
claim. Evidence of purchase or if not
purchased by You, evidence of ownership and
value will be required in support of claims
under Section 4.
- If medical attention is required, a
Medical Certificate must be obtained from
the Medical Practitioner providing such
treatment, detailing the nature of the
illness or injury.
- No payment will be made to You if You are
travelling against medical advice or for the
purpose of obtaining medical treatment.
- If Your Holiday/Journey is extended or
curtailed due to injury or illness arising
abroad, You are requested to obtain a letter
from the Medical Practitioner concerned,
confirming why the extension or curtailment
is medically necessary.
- Keep all bank vouchers, travellers cheques
details, currency conversion slips as they
will be required in the event of a claim for
a loss of Money.
- Wherever possible, You must use medical
facilities which entitle You to the benefits
of any reciprocal health agreements, such as
E111 in Europe and Medicare in Australia.
- IMR must be advised immediately in
the event of:
(a) Your hospitalisation; or
(b) Your intended repatriation for
medical reasons; or
(c) the need to return earlier than the
original booked return date when the cause
of such return may be insured under the
Curtailment section of the policy; or
(d) out-patient treatment appearing likely
to cost more than £500; or
(e) Your return Home being
delayed due to medical reasons; or Your
inability to return Home as planned
due to medical reasons.
|
* PRIVATE
MEDICAL TREATMENT IS NOT COVERED UNLESS
SPECIFICALLY AUTHORISED BY THE EMERGENCY
SERVICE.
IMPORTANT: Please carry your insurance documents
with You in case of emergency.
IN THE EVENT OF A MEDICAL EMERGENCY AND FOR
GENERAL CLAIMS, PLEASE REFER TO THE BACK PAGE OF
THIS DOCUMENT |
|
Whilst
the Insurance is not subject to a health
warranty, We shall not be liable for claims
WHERE AT THE TIME OF TAKING OUT THIS INSURANCE
(AND/OR IF ANNUAL MULTI-TRIP, PRIOR TO BOOKING
EACH SEPARATE TRIP):
- You are aware of any medical
condition or set of circumstances which
could reasonably be expected to give rise to
a claim.
- Any person, including those not
travelling, whose condition may give rise to
a claim:
a) ) has during the twelve months prior to
taking out this insurance (and/or if Annual
Multi-Trip, prior to booking each separate
Trip) suffered from any chronic and/or
recurring illness of a serious nature which
has necessitated consultation or treatment
or has been referred for further
investigations UNLESS DECLARED TO AND
ACCEPTED BY US BY RINGING:
b) is suffering, or has suffered, from any
previously diagnosed psychiatric disorder,
anxiety or depression; or
c) is receiving, or on a waiting list for,
treatment in a hospital or nursing home; or
d) is over 26 weeks pregnant on the date of
arrival home; or
e) is travelling against the advice of a
Medical Practitioner or for the purpose of
obtaining medical treatment abroad; or
f) has been given a terminal prognosis.
N.B.: The Underwriting Agents must be
notified of any changes in circumstances of
Yourself or any Close Relatives occurring
after the policy has been issued and prior
to departure and We have the right to change
the terms in line with the change of risk.
|
|
| All
material facts must be disclosed to Us. Failure
to do so may affect Your rights under the
insurance. A material fact is a fact likely to
influence Us in the acceptance or assessment of
the insurance (for example, Your state of health
or that of a Close Relative). If You are in any
doubt as to whether a fact is
"material", then for Your own
protection it should be disclosed. |
|
| Travellers
to European Union countries are strongly advised
to obtain form E111 from their local Post
Office. This will entitle European citizens to
benefit from the reciprocal health arrangements
which exist between European Union countries. In
the event of liability being accepted for a
medical expense which has been reduced by the
use of an E111 form (or other reciprocal health
agreements) or Private Health Insurance, the
applicable Medical & Other Expenses section
excess will not be applied. This does not apply
where special excess terms have been imposed. |
|
When
travelling with Downunder Travel Insurance, You
are automatically covered for the following
amateur activities without paying any additional
premium:
Archery, Badminton, Baseball,
Basketball, 3 Bungee Jumps, Canoeing, Cricket,
Cycling, Golf, Jogging, Horse Riding (no Polo,
Hunting, Jumping) up to 7 days, Marathons,
Motorcycling (under 50cc), Netball,
Orienteering, Parascending (over water),
Rambling, Roller Blading (Inline Skating / Skate
Boarding), Running (both Sprint & Long
Distance), Safari, Snorkelling, Squash,
Swimming, Surfing up to 14 days, Scuba Diving
(max depth 30 metres) up to 14 days, Tennis,
Triathlons, Volleyball, Water Polo, Water
Skiing, White/Black Water Rafting or Kayaking
(Grades 1 - 4), Windsurfing and Yachting (both
racing and crewing) inside territorial waters.
The following amateur activities are
also automatically covered without paying any
additional premium, but the policy excludes any
cover under the Personal Accident and Personal
Liability sections:
Abseiling, Boxing Training, Camel /
Elephant Riding or Trekking, Cycle Touring,
Flying or a Passenger (in private/small aircraft
or helicopter), Football, Go Karting, Hiking
(over 2,000 metres, but under 6,000 metres),
Hockey, Horse Riding (no Polo, Hunting, Jumping)
over 7 days, Hot-Air Ballooning, Jet boating,
Jet Skiing, Kayaking, Manual Labour (at ground
level, no machinery), Martial Arts (training
only), Motorcycling (over 50cc) - no Racing,
Mountain Biking, Parachuting, Rugby, Scuba
Diving (max depth 40 metres) over 14 days, Sea
Canoeing, Sky Diving, Snow Mobiling, Surfing
over 14 days, Trekking (over 2,000 metres, but
under 6,000 metres).
Furthermore, the following amateur
activities can be covered by declaring to, and
paying an ADDITIONAL premium to, the issuing
agent, but the policy excludes any cover under
the Personal Accident and Personal Liability
sections and the excess under the Medical
section of cover is increased to £300:
American Football, Gliding,
Hot-dogging, Hydro-Sledding, Kite Surfing,
Paragliding, Parascending (over land), Sand
Yachting, White/ Black Water Rafting or Kayaking
(Grade 5 to 6), Yachting (racing or crewing)
outside territorial waters. All these activities
can only be performed if conducted under the
supervision of a qualified guide or
organisation, with all relevant local safety
requirements being observed and relevant safety
equipment being utilised.
Also, the following amateur
activities can be covered by declaring to, and
paying an ADDITIONAL premium to, the issuing
agent, but the policy excludes any cover under
the Personal Accident and Personal Liability
sections and the excess under the Medical
section of cover is increased to £500:
Canyoning, Cliff Walking/Jumping,
Hang-Gliding, High Diving, Gorge Walking, Horse
Jumping (no Polo or Hunting), Micro Lighting,
Parasailing, Rock Climbing (not Mountaineering),
Rock Scrambling, Via Ferrata. All these
activities can only be performed if conducted
under the supervision of a qualified guide or
organisation, with all relevant local safety
requirements being observed and relevant safety
equipment being utilised.
Any activity not listed above (or
any of the above sports on a professional
basis), which could be considered a hazardous
activity, sport, pastime or employment
(involving an increased risk of injury), will
NOT be covered under the policy UNLESS declared
to, and accepted by, Downunder at the time of
taking out the policy in return for additional
premium and/or changes in cover. |
|
| If,
after reading the policy, You are not satisfied
with it for any reason, You must return it to
the Issuing Agent within 14 days of issue (or in
the case on an Internet Purchase, notify the
Issuing Agent) in order to receive a full refund
of premium, providing that a claim does not
exist and travel has not taken place. |
|
Single
- A single return Holiday/Journey, beginning and
ending in the United Kingdom, Channel Islands,
Isle of Man or Eire. Cover for a Holiday/
Journey within the United Kingdom, Channel
Islands or Isle of Man only applies when
accommodation has been pre-booked for two or
more nights.
One Way - A single, outward
Holiday/Journey, beginning in the United
Kingdom, Channel Islands, Isle of Man or Eire.
The Period of Insurance shall expire normally or
in any event no later than 24 hours after the
time You first leave the immigration control of
Your final destination country.
Annual Multi-Trip - Any
number of return Holidays/Journeys,
subject to the following:
- A maximum duration of 31 days any one Holiday/Journey,
unless the 45 or 60 day uplift extension has
been purchased.
- Cover for a Holiday/Journey within
the United Kingdom, Channel Islands or Isle
of Man only applies when accommodation has
been pre-booked for two or more nights.
- Wintersports cover is limited to 21 days
in total per policy year.
|
|
Single
& One Way
Under Section 1 (Loss of Deposit and
Cancellation) insurance is effective from the
date of issue of the policy and terminates on
commencement of the planned Holiday/Journey (or
the expiry of the policy).
In respect of Curtailment and all
other sections, insurance commences when You
leave Your usual place of residence or business
(whichever is the later) to commence the Journey
until the time of return to Your place of
residence or business (whichever is the earlier)
on completion of Your Journey (or the expiry of
the policy). In any event not to commence more
than 24 hours prior to the booked departure time
or cease more than 24 hours after Your return.
In respect of one way Journeys only,
the Period of Insurance will terminate with
whichever occurs first of the following; the
expiry of the policy or 24 hours after the time
You first leave immigration control of Your
final destination country.
Annual Multi-Trip
Under Section 1 (Loss of Deposit and
Cancellation) insurance is effective from the
later of either the date of issue of the policy
or the time at which the Journey is booked and
terminates on commencement of the planned
Holiday/Journey (or the expiry of the policy).
In respect of Curtailment and all
other sections, insurance commences when You
leave Your usual place of residence or business
(whichever is the later) to commence the Journey
until the time of return to Your place of
residence or business (whichever is the earlier)
on completion of Your Journey (or the expiry of
the policy). In any event not to commence more
than 24 hours prior to the booked departure time
or cease more than 24-hours after Your return.In
the event Your Holiday/Journey exceeds 31 days
duration, only the first 31 days will be covered
hereunder (or 45 days / 60 days respectively if
the 45 or 60 day uplift extension has been
purchased).
If due to unforeseen circumstances
beyond Your control, the Holiday/Journey cannot
be completed within the Period of Insurance (as
stated on the attached certificate), cover will
be extended for up to a maximum of 30 days at no
extra cost.
Signed for and on behalf of the Insurers
J Carnie - Managing Director.
Travel and Personal Underwriters Ltd.
65-68 Leadenhall Street, London EC3A 2AD. |
|
We
will reimburse You, up to the maximum limit
specified in the Schedule of Cover, in respect
of irrecoverable deposits or charges paid in
advance or contracted to be paid for travel,
accommodation, car hire, excursions, tours and
activities not used by You, as a direct result
of the Holiday/Journey being necessarily and
unavoidably cancelled owing to:
- Your death, injury or illness or
that of Your spouse.
- the death, serious injury or illness of:
(a) any Close Relative of Yours; or
(b) any Business Associate of Yours;
or
(c) a person with whom You had
planned to travel; or
(d) any person with whom You had
arranged temporarily to reside with during Your
Trip.
- You or any person with whom You had
planned to travel being subject to jury
service, attendance under subpoena as a
witness at a Court of Law (other than in the
line of duty), compulsory quarantine, or
being made redundant (provided that You or
that person is under 65 and has been
employed on a continuous full time basis
with the same employer for at least two
years).
- Your being prevented from travelling to
the intended destination by Government
restriction following an epidemic.
- fire, theft, storm or flood occurring at
Your Home, when You are requested to remain
by the Fire/Police authorities all occurring
after the insurance has been issued and
before the commencement of the
Holiday/Journey.
- accident to Your vehicle within 7 days
prior to the intended date of departure
after the insurance has been issued
(provided that You have booked a self drive
Holiday/Journey/Trip).
- the posting overseas or emergency and
unavoidable requirements of duty of Armed
Forces, Police, Fire, Nursing or Ambulance
Services.
Please note: The insurance in
respect of that Trip will cease once You
have made a claim for Cancellation. Condition:
Where cancellation is due to serious injury or
illness, it is a condition of this policy that You
must obtain a certificate from the treating Medical
Practitioner, prior to the intended date of
travel, confirming the need to cancel. You
must notify the claims department immediately. |
|
We
will reimburse You, up to the maximum limit
specified in the Schedule of Cover, for Your
prepaid (prior to departure) accommodation, car
hire or excursion expenses for the
Holiday/Journey which You do not use, including
additional reasonable travelling expenses if You
have to curtail Your Holiday/Journey and return
Home (or to Your final destination country if a
one way Trip) as a result of:
- Your death, serious injury or serious
illness (occurring during the period of the
Holiday/Journey) or that of any person with
whom You are travelling or any Close
Relative or Business Associate of Yours.
- the hi-jack of the aircraft, vessel or
vehicle in which You are travelling.
- fire, theft, storm or flood occurring at
Your Home, when You are requested to return
by the Fire/Police authorities.
- the posting overseas or emergency and
unavoidable requirements of duty of Armed
Forces, Police, Fire, Nursing or Ambulance
Services.
Please note: Curtailment claims will be
calculated from the day You return to the United
Kingdom, Channel Islands, Isle of Man or Eire
(or Your final destination country in respect of
one way Trips) or You are hospitalised as an
in-patient. Your claim will be based solely on
the number of complete days forfeited. In
respect of travel expenses, We will pay for any
reasonable additional costs but not for the loss
of Your pre-booked arrangements.
Conditions:
- Where curtailment is due to Your serious
injury or serious illness, a certificate
must be obtained from the treating Medical
Practitioner abroad, confirming the
necessity to return to Your permanent
address in the United Kingdom, Northern
Ireland, Channel Islands, Isle of Man or
Eire (or Your final destination country in
respect of one way Trips), or appropriate
medical facility.
- The prior approval of IMR must be obtained
to confirm the necessity to return Home (or
to Your final destination country if a one
way Trip) for any reason or by any method
other than as originally planned. Failure to
do so may affect the assessment of Your
claim.
|
|
| We
will reimburse You, up to the maximum limit
specified in the Schedule of Cover, if You are
forced to relocate as a result of a natural
catastrophe (which means fire, lightning,
explosion, earthquake, storm, tempest,
hurricane, flood or major outbreak of infectious
disease), in respect of additional travel and
accommodation expenses necessary to continue
Your Holiday/Journey (or in the event that this
is impossible, return Home or to Your final
destination country if a one way Trip). |
|
We
will not pay claims arising:
- where the person whose condition gives
rise to a claim is receiving or on a waiting
list for or has knowledge of the need for
treatment at a hospital or nursing home.
- where the person whose condition gives
rise to a claim has received a terminal
prognosis.
- from any psychiatric disorder, anxiety
state and/or depression suffered by the
person whose condition gives rise to a claim
and is diagnosed prior to the issue date of
this policy (or if an Annual Multi-Trip,
prior to booking a Trip).
- where the person whose condition gives
rise to a claim is over 26 weeks pregnant on
the date of arrival home (or arrival in
final destination country if a one way
Trip).
- if You are travelling abroad
against the advice of a Medical
Practitioner or for the purpose of
obtaining medical treatment abroad.
- from the cost of returning to the original
destination to complete the Holiday/Journey
originally planned and increased expenses
related to further accommodation there.
- from ongoing medical conditions unless
declared to and accepted by Us.
- any costs incurred in respect of visas
obtained in connection with the Trip.
- failure to obtain the necessary passport,
visa or permit required for your journey.
- disinclination to travel.
- the applicable excess as stated on the
Schedule of Cover.
|
|
If You
sustain accidental bodily injury caused by:
(a) violent external and visible means or
(b) exposure resulting from an accident to an
aircraft, vessel or vehicle in which You
are travelling and provided such injury, solely
and independently of any other cause results,
within twelve calendar months of the date of the
accident, in death or disablement as defined
below, We will pay one of the following benefits
(as specified in the Schedule of Cover):
- Death.
- Loss of one or more limbs and/or sight in
one or both eyes.
- Permanent Total Disablement.
Definitions:
Loss of limb means permanent loss by
physical severance at or above the wrist or
ankle.
Loss of sight means complete and
irrecoverable loss of all sight.
Permanent Total Disablement means
total disablement from engaging in or attending
to any occupation for at least twelve months
from the date of injury and at the end of that
time being beyond hope of any improvement. |
|
We
will not pay:
- for claims resulting from motorcycling
involving a motorcycle in excess of 50cc.
- for claims resulting from those Hazardous
Activities listed where cover under Section
2 has been excluded.
- for claims arising out of manual labour in
connection with Your trade, business
or profession.
|
|
We
will reimburse You, up to the maximum limit
specified in the Schedule of Cover, in respect
of the:
- reasonable emergency ambulance, medical,
surgical and hospital treatment incurred as
a result of Your injury or unforeseen
illness, occurring during the period of the
Holiday/ Journey. At the sole discretion of
IMR, who reserve the right to make the final
decision as to whether or not it is
medically necessary, this also includes the
cost of repatriation to the United Kingdom,
Channel Islands, Isle of Man or Eire (or
final country of destination if a one way
Trip), by whatever means deemed medically
necessary. Emergency dental treatment is
covered up to £250 for the immediate relief
of pain only excluding the fitting of crowns
and additional cosmetic treatment.
- reasonable additional accommodation (room
only) and travel costs (if You cannot use
the return portion of your ticket)
necessarily and unavoidably incurred by:
(a) You where it is necessary for You to
stay beyond the intended return or onward
travel date due to Your illness or injury;
or
(b) A relative or friend required on medical
advice to travel to, remain with or escort
You as a result of Your death, serious
injury or serious illness.
- Reasonable charges for burial or cremation
in the event of Your death outside of the
United Kingdom, Channel Islands, Isle of Man
or Eire (or final country of destination if
a one way Trip), in the locality where death
occurs and/or the cost of transport of body
or ashes to the United Kingdom, Channel
Islands, Isle of Man or Eire (or final
country of destination if a one way Trip),
for an amount not exceeding £5,000.
- Cost of transporting Your remains to the
normal place of residence if death occurs in
the United Kingdom, Channel Islands, Isle of
Man or Eire (or final country of destination
if a one way Trip), for an amount not
exceeding £1,000.
Please note: We reserve the
right to repatriate You to the United Kingdom,
Channel Islands, Isle of Man or Eire (or final
country of destination if a one way Trip) when,
in the opinion of the Medical Practitioner in
attendance and IMR, You are fit to travel.
Please also note:
Repatriation expenses will involve the use of
identical class of travel to that utilised on
the outward Journey, unless agreed by Us or IMR
that the ticket can be upgraded. |
|
| If
You are admitted to a hospital outside the
United Kingdom, Channel Islands, Isle of Man or
Eire (or final country of destination if a one
way Trip) as an in-patient owing to accidental
bodily injury or illness sustained outside Your
country of residence after the issue date, We
will pay You the benefit specified in the
Schedule of Cover, for each complete 24 hours
You are in hospital. |
Condition
applicable to Sections 3(a) & 3(b)
It is a condition of this insurance
that IMR MUST be notified immediately of any
illness or injury which necessitates admittance
to a hospital abroad as an in-patient, or
out-patient if costs are likely to exceed £500,
or before any arrangements are made for
repatriation. IMR must also be notified if Your
return or onward Journey is delayed due to
medical reasons. Failure to do so will prejudice
Your claim. |
|
We
will not pay for claims where:
- treatment or aid is obtained in the United
Kingdom, Channel Islands, Isle of Man or
Eire (or final country of destination if a
one way Trip).
- surgical or medical treatment which in the
opinion of the treating Medical Practitioner
can be reasonably delayed until Your return
to the United Kingdom, Channel Islands, Isle
of Man or Eire (or final country of
destination if a one way Trip).
- there is an additional cost of single or
private room accommodation at a hospital or
nursing home, except where the treating
Medical Practitioner considers it necessary
for You to occupy such accommodation.
- You are receiving or on a waiting list for
or have knowledge of the need for treatment
at a hospital or nursing home.
- You have, prior to departure,
received a terminal prognosis.
- there is any anxiety state and/or
depression suffered by You and diagnosed
prior to the date of issue of this policy
(or if Annual Multi-Trip, prior to booking a
Trip).
- You are are over 26 weeks pregnant on the
date of arrival home (or arrival in final
destination country if a one way Trip).
- You are travelling against the
advice of a Medical Practitioner or
for the purpose of obtaining medical
treatment.
- You are suffering from any ongoing
medical conditions unless declared to and
accepted by Us.
- costs and expenses incurred more than
twelve months after Your return date
(or arrival in final destination country if
a one way Trip).
- We shall not be liable for:
(a) any expenses or fees for in-patient
treatment or repatriation which have not
been notified to and authorised by Us
or IMR.
(b) any costs in respect of telephone calls
other than the first telephone call to IMR
notifying them of the problem.
(c) the cost of any elective treatment or
surgery including exploratory tests, which
are not directly related to the illness or
injury which necessitated Your
admittance to hospital.
(d) any expenses incurred as a result of a
tropical disease where the recommended
inoculations have not been undertaken.
(e) any taxi fares other than when the taxi
is used for emergency ambulance purposes
- the applicable excess as stated on the
Schedule of Cover.
|
|
- We will reimburse You, up to
the maximum limit specified in the Schedule
of Cover, in respect of accidental loss,
theft or damage to:
(a) Personal Luggage - which means
suitcases, trunks or like receptacles and
clothing or personal effects worn or carried
on the person all owned by (not hired,
loaned or entrusted to) You but excluding
Personal Money and Valuables. The maximum
payment for any Single Item is shown in the
Schedule of Cover.
(b) Valuables.
(c) Travel Documents - which means travel
tickets, passports, green card, visas,
accommodation vouchers, car hire vouchers
and excursion vouchers, held by You (and
reasonable expenses directly consequential
upon any such loss).
(d) Personal Money - which means cash, bank
or currency notes, cheques, travellers
cheques, postal or money orders, petrol
coupons or credit vouchers.
- In the event of Personal Luggage being
temporarily lost in transit on the outward
journey for longer than 12 hours, We will
pay, up to the maximum limit specified in
the Schedule of Cover, for the purchase of
essential items of clothing and personal
requisites. Any payments under this heading
will be deducted from claims under Section 4
1(a) in respect of the same property.
- Our maximum limit of liability in
respect of:
(a) Personal Luggage is stated in the
Schedule of Cover, subject to the limit on
Single Items (for any one article, pair or
set of articles, irrespective of single or
joint ownership) also stated therein.
(b) Valuables is stated in the
Schedule of Cover.
(c) Personal Money is stated in the Schedule
of Cover, subject to the limits for Cash
(cash, bank or currency notes whether in the
custody of one or more Insured Persons
irrespective of ownership) also stated
therein.
Basis of Claim Settlement
Claims will be dealt with on an
indemnity basis NOT "new for old".
Indemnity basis means the purchase price as
new of the article less deduction for wear
and tear and depreciation, or the cost of
repair whichever is the lesser. If an
article is damaged beyond economical repair,
a claim will be dealt with as if the article
has been lost.
|
|
We will
not pay for claims arising from:
- accidental loss of or theft of or damage
to property left unattended other than
whilst:
(a) in Your locked accommodation
(other than money which must be locked in a
safe or safety deposit box.
(b) in a locked boot or locked and covered
luggage compartment of a motor vehicle
provided that:
(i) there is evidence of forcible and
violent entry to such vehicle.
(ii) no cover shall apply in respect of
property in vehicles left unattended at any
time between the hours of 10 pm and 8 am.
(iii) no cover shall apply in respect of
Personal Money and Valuables left in
an unattended vehicle at any time.
- Your failure to inform the Police as soon
as possible of any loss or theft of Personal
Luggage, Personal Money or Valuables and
failure to obtain a written report.
- accidental loss of or theft of or damage
to property whilst in the custody of an
airline or other carrier, unless reported
immediately on discovery. In the case of an
airline, a Property Irregularity Report must
be obtained.
- loss or theft of Personal Money and Valuables
whilst in transit from baggage not in Your
custody or control.
- Loss of or theft of or damage to:
(a) stamps and documents (other than those
specifically mentioned)
(b) spectacles, sun glasses, contact or
corneal lenses
(c) breakage or chipping of glass,
porcelain, ceramic or china or any
consequential loss resulting from such
breakage
(d) business goods or samples or business
money
(e) land, air or water craft of any kind
including cycles, but excluding any models
or toys
(f) items of a perishable nature
(g) sports equipment whilst in use.
(h) household goods and home contents.
- accidental loss or theft of travellers
cheques, unless reported to the local branch
or agent of the issuing authority as soon as
possible.
- shortages of Personal Money due to error,
omission or variations in exchange rates or
depreciation in value.
- normal wear and tear, deprecation, gradual
deterioration or mechanical or electrical
breakdown.
- accidental loss, theft or damage arising
from delay or confiscation or detention by
Customs or other official.
- loss of jewellery whilst swimming or
participating in Hazardous Activities (other
than wedding rings)
- property more specifically insured
elsewhere.
- Claims will not be considered unless
substantiated by an original sales receipt
or original valuation for any one item, pair
or set exceeding £50. In respect of Valuables,
claims will not be considered unless an
original sales receipt or original valuation
is provided.
- the applicable excess as stated in the
Schedule of Cover.
|
|
If
the departure of the aircraft, train, coach or
sea vessel in which You had booked to
travel on the first outward leg or first return
leg of the Holiday/Journey is delayed for
at least 12 hours from the time specified on the
official itinerary supplied to You as a
result of:
- strike or industrial action
- adverse weather conditions
- mechanical breakdown of the aircraft,
train, coach or sea vessel
We will pay either:
- compensation, as specified in the Schedule
of Cover, for the first full 12 hours delay
and subsequently a further amount, as
specified, for each further 12 hours delay
up to the maximum limit specified in the
Schedule of Cover; or
- on the outward Journey, if after 12 hours
delay, You elect to abandon the
Holiday/Journey, We will pay You, up to the
maximum limit specified in the Schedule of
Cover, in respect of prepaid expenses or
expenses contracted to be paid for Your
benefit which are not recoverable from any
other source.
Please note: A claim cannot be made under
both (a) and (b) above, or under both Sections 1
and 5.
|
|
We will
not pay for claims arising:
- where You fail to check in at the airport,
station or port of departure specified in
the official itinerary issued by the Tour
Operator, Tour Organiser or Carrier.
- where You fail to obtain written
confirmation from the carriers (or their
handling agents) of the number of hours
delay and the reason for the delay.
- from strikes or industrial action unless
the announcement and onset of the strike or
industrial action occurred after the
commencement of the Period of Insurance.
- from public demonstration, civil unrest or
any form of protest (including actions not
specifically directed at an employer or
group of employers).
- where You are entitled to the same or
similar benefit under any scheme arranged by
a Tour Operator, Tour Organiser or Carrier.
- from the applicable excess as stated in
the Schedule of Cover.
|
|
| We
will pay You, up to the maximum limit specified
in the Schedule of Cover, the specified benefit
for each and every completed 24 hour period
during which You are held hostage due to hijack
of the transport on which You are travelling. |
|
We
will not pay for claims arising:
- which are not substantiated by a Police
report confirming the length and exact
nature of the hijacking.
|
|
We
will reimburse You, up to the maximum limit
specified in the Schedule of Cover, in respect
of additional accommodation and travel expenses
necessarily incurred to reach the overseas
destination as a result of the failure of public
transport or accident / mechanical breakdown of
the vehicle in which You are travelling to
deliver You to the final United Kingdom, Channel
Islands, Isle of Man or Eire departure point in
time to join the Holiday/Journey, due to:
- adverse weather conditions
- strike
- industrial action
- mechanical breakdown
- accident to the vehicle
provided that You shall take all reasonable
steps to arrive at the point of departure by the
time stated on the Tour Operator's brochure or
other travel documents issued by the Travel
Organiser or Carrier.
Please note: This section applies only in
respect of an outward Journey to an
overseas destination.
Condition
A repairer's report will be required in the
event of a claim in respect of car breakdown,
together with proof that the vehicle had been
properly serviced. |
|
We
will not pay for:
- claims arising from strike or industrial
action prior to the commencement of
departure from Your Home or place of
business, whichever is the later.
- the applicable excess as stated in the
Schedule of Cover.
|
|
We
will reimburse You, up to the maximum
limit specified in the Schedule of Cover, for
all sums which You are personally liable
to pay for accidents which result in:
- death or bodily injury to any person; or
- loss of or damage to their property;
occurring during the period of the
Holiday/Journey. The total amount payable
for all claims made against You arising from
any one occurrence is specified in the
Schedule of Cover. We will, in addition, pay
any legal costs and expenses awarded against
You or incurred by You with Our written
consent.
Please note: No liability
shall be admitted and no admission, arrangement,
offer, promise or payment shall be made by You
without Our written consent. We shall be
entitled, if We so desire, to take over and
conduct, in Your name, Your defence of any claim
or to prosecute for our Own benefit any claims
for indemnity, damages or otherwise against any
third party. We shall have full discretion in
the conduct of all negotiations and proceedings. |
|
We will
not pay for:
- Punitive or exemplary damages.
- Liability in respect of:
(a) death of or bodily injury to Your
employees or members of Your family
or household permanently living with You
or a travelling companion.
(b) loss of or damage to property which
belongs to You or is in Your
custody or control or that of a member of Your
family or household or Your employee,
or a travelling companion.
(c) Your trade, business or
profession.
(d) the ownership or occupation of land or
building (other than occupation only, of any
temporary holiday accommodation).
(e) the ownership, possession or use of
animals (other than domestic dogs not
included in Section 1(i) of the Dangerous
Dogs Act 1991 or horses used solely for
hacking or trekking), vehicles, ships, boats
or craft of any kind.
(f) any contract or agreement unless
liability would have applied anyway.
(g) any wilful or malicious or reckless act
on Your part.
- Costs and expenses incurred after the date
on which We have offered to pay the
limit of indemnity.
- Claims arising from Hazardous Activities
when cover under this Section has been
specifically excluded.
- The applicable excess as stated in the
Schedule of Cover.
|
|
We
shall pay legal costs and expenses, up to the
maximum limit specified in the Schedule of
Cover, incurred by You in pursuit of
compensation and/or damages against a third
party arising from or out of Your death or
personal injury occurring during the Period of
the Holiday/Journey.
Conditions
- We shall have complete control over
the legal proceedings and the appointment
and control of a lawyer.
- You must follow the legal
representative's advice and provide any
information and assistance required. Failure
to do so will entitle Us to withdraw
cover.
- We must have access to any and all
of the legal representive's file of papers.
- We may include a claim for Our
costs and expenses.
- Failure by You to comply with all
or any of these conditions will entitle Us
to render the legal expenses aspect of this
insurance void and thereby withdraw cover.
|
|
- We will not be liable for:
(a) Costs incurred in pursuance of any claim
against a Travel Agent, Tour Operator,
Carrier, Accommodation Provider, the
Underwriting Agents, Insurer or Insurer's
Agent or any other person insured under the
same policy.
(b) Legal expenses incurred prior to the
granting of support by Us.
(c) Any claims reported more than 180 days
after the commencement of the incident
giving rise to such claim.
(d) Any claim where the laws, practices,
and/or financial regulations of the country
in which the proposed action will take place
indicate that the costs of such action are
likely to be unreasonably greater than the
anticipated value of the compensation award.
(e) Costs incurred in pursuance of a claim
against any person with whom You had
arranged to travel.
(f) Any claim where You are insured
for legal expenses under any other insurance
policy.
(g) Any claim where in Our opinion
there is insufficient prospect of success in
obtaining a reasonable benefit.
- We shall not be liable for any
claim where legal costs and expenses are
based directly or indirectly on the amount
of an award.
- The insurance will not extend to covering You
in the pursuit of any appeal except at Our
sole discretion.
- Where there is a possibility of a claim
being brought in more than one country, We
shall not be liable for the costs if an
action is brought in more than one country.
- We shall not be liable for the
excess as stated in the Schedule of Cover.
|
|
Provided
at no additional premium under the Annual
Multi-Trip Policy (21 days per policy year) and
the Wintersports Policy (Maximum duration 45
days). Otherwise, cover under these sections
only applies when an additional Wintersports
endorsement premium is paid.
In accordance with the above, cover under
Sections 1-9 is extended to cover Wintersports
and in addition the following five Sections are
included.
Wintersports is defined as: On-Piste &
Off-Piste Skiing and Snowboarding (with a leash)
except in areas designated as unsafe by resort
management; Recreational Racing; Mono Skiing;
Guided Cross Country Skiing; Snow Mobiling;
Tobogganing and Ice Skating. All activities must
be conducted within local safety guidelines
& the correct safety equipment must be
carried at all times in respect of each
particular activity. Off-piste activities must
be restricted to recognised areas and You
must ensure Your whereabouts are known to
third parties.
In no event will Wintersports be
considered to extend to the following
activities: Ski Jumping; Ski Flying; Heli-Skiing;
Ski Acrobatics; Ski Stunting; Freestyle Skiing;
On-Piste and Off-Piste Skiing in areas
designated unsafe by resort management; Ski
Racing & Training; Ski Bob Racing;
Parapenting; Ice Hockey and the use of Skeletons
and Bobsleighs. |
|
We shall
reimburse You, up to the maximum limit specified
in the Schedule of Cover, in respect of the
accidental loss of or theft of or damage to
snowboards, skis, bindings, boots or poles,
subject to a Single Item limit as specified.
There is an overall limit in respect of hired
equipment as specified in the Schedule of Cover
Please note: Claims for owned
wintersports equipment will only be calculated
as follows:
- Up to 12 months old -90% of the purchase
price.
- Up to 24 months old -70%
- Up to 36 months old -50%
- Up to 48 months old -30%
- Up to 60 months old -20%
- Over 60 months old -0%
|
|
We will
not pay for claims arising from:
- accidental loss of or theft of or damage
to property left unattended other than
whilst:
(a) in Your locked accommodation.
(b) in a locked boot or locked and covered
luggage compartment of a motor vehicle
provided that:
(i) there is evidence of forcible and
violent entry to such vehicle.
(ii) no cover shall apply in respect of
property in vehicles left unattended at any
time between the hours of 10 pm and 8 am.
- loss of or damage to any article or goods
on roof racks:
(a) by weather conditions resulting from the
failure to protect items. (b) by theft or
malicious persons while the vehicle is
unattended unless the rack was locked and
secure and there is evidence of forcible
entry before 10pm. and after 8 am.
- damaged wintersports equipment owned by You
not returned to the United Kingdom for
inspection.
- wintersports equipment used by persons for
whom it was not designed.
- any loss, theft or suspected theft unless You
inform the Police and obtain a written
report.
- accidental loss of or theft of or damage
to property whilst in the custody of an
airline or other carrier, unless reported
immediately on discovery. In the case of an
airline, a Property Irregularity Report must
be obtained.
- the applicable excess as stated in the
Schedule of Cover.
|
|
| We
shall reimburse You, up to the maximum limit
specified in the Schedule of Cover, in respect
of the reasonable costs of hiring snowboards,
skis, bindings, boots or poles as a result of
the accidental loss or theft or damage (or
temporary loss in transit for more than 12
hours) of Your own equipment during the Period
of Insurance. |
|
We will
not pay for claims arising from:
- accidental loss of or theft of or damage
to property left unattended other than
whilst:
(a) in Your locked accommodation.
(b) in a locked boot or locked and covered
luggage compartment of a motor vehicle
provided that:
(i) there is evidence of forcible and
violent entry to such vehicle.
(ii) no cover shall apply in respect of
property in vehicles left unattended at any
time between the hours of 10 pm and 8 am.
- loss of or damage to any article or goods
on roof racks
(a) by weather conditions resulting from the
failure to protect items.
(c) by theft or malicious persons while the
vehicle is unattended unless the rack was
locked and secure and there is evidence of
forcible entry before 10pm. and after 8 am.
- damaged wintersports equipment owned by You
not returned to the United Kingdom for
inspection.
- wintersports equipment used by persons for
whom it was not designed.
- any loss, theft or suspected theft unless You
inform the Police and obtain a written
report.
- accidental loss of or theft of or damage
to property whilst in the custody of an
airline or other carrier, unless reported
immediately on discovery. In the case of an
airline, a Property Irregularity Report must
be obtained.
|
|
We
shall reimburse You, up to the maximum limit
specified in the Schedule of Cover, in respect
of the proportionate loss of irrecoverable ski
pack costs paid or contracted to be paid prior
to the Journey/ Holiday as a result of You
becoming ill or sustaining personal injury
during the Period of Insurance and certified by
a Medical Practitioner as being unable to ski
and a written report obtained.
Definition:
Ski Pack shall consist of pre-booked
lift passes, hired skis or snowboards, bindings,
boots and ski school fees. |
|
We
will not pay for :
- claims where a written report has not been
obtained from a Medical Practitioner.
|
|
| In
the event that, due to lack of snow fall or
adverse weather in the pre-booked Wintersports
resort between the months of December and March
(April to August in the Southern Hemisphere) and
no alternative being available, You are
not allowed to ski for a period in excess of 12
hours, We will pay You the benefit
as specified in the Schedule of Cover for each
full 24 hour period during which You are
unable to ski, up to the maximum limit as
specified. |
|
We will
not pay for :
- claims arising which are not substantiated
by a report from the resort management.
- claims arising due to lack of snow fall in
a Wintersports resort which does not possess
skiing facilities above 1,000 metres.
|
|
| We
will reimburse You, up to the maximum limit as
specified in the Schedule of Cover, for
additional travel and accommodation expenses in
the event that Your outward or return Journey is
delayed by at least 12 hours beyond the
scheduled departure time as a direct result of
avalanche. |
|
We will
not pay for :
- claims arising which are not substantiated
by a report from the resort management.
- the applicable excess as stated in the
Schedule of Cover.
|
|
The
following endorsements are available on request
from your issuing agent, upon payment of
additional premium, providing the additional
endorsements are noted on the validation
certificate.
- Return Trips to the United Kingdom,
Channel Islands, Isle of Man or Eire.
Cover is extended to include four return
trips to the United Kingdom, Channel
Islands, Isle of Man or Eire. Each return
trip shall not exceed seven days and cover
ceases upon arrival and recommences on
departure (Stopovers of under 24 hours will
not be counted as return trips and will not
invalidate the Period of Insurance).
- Excess Waiver.
The applicable excesses as stated in the
Schedule of Cover are hereby waived, except
as regards increased medical excesses in
respect of declared Medical Conditions and
Hazardous Activities.
- Stopover Extension
Cover is extended on Area 2 policies (of
over 30 days duration) to include up to 10
days stopover anywhere in the world on Your
final return Journey to Your country of
origin (one way Trip).
- Camper Van/Safari Truck Personal
Luggage Extension
If You are travelling by Camper Van or
Safari Truck, the cover available under
Section 4, Personal Luggage 1(a) is hereby
amended as follows:
1. Cover is extended to include
claims arising for the loss, theft or damage
to prams, buggies, wheelchairs, pedal
cycles, motor vehicles, marine and diving
equipment and craft, surfboards, sailboards
or their related accessories, equipment or
fittings of any kind, so long as the items
were securely locked to the inside of a
locked and immobilised Camper Van or Safari
Truck at the time of loss. In the event of a
claim, there must be evidence that entry was
effected by violent or forcible means and a
Police report provided.
You are responsible for 15% of the
value of any claim in addition to the normal
applicable excess.
2. Cover is also extended to
include claims arising for the loss, theft
or damage of Personal Luggage (so long as
stored in a securely locked compartment
within a locked and immobilised Camper
Van/Safari truck at the time of loss) &
Valuables (so long as the items were stored
in locked purpose-built strongbox built into
the floor of a locked and immobilised Camper
Van / Safari Truck at the time of loss). In
the event of a claim, there must be evidence
that entry was effected by violent or
forcible means and a Police report provided.
The maximum limit of indemnity,
Single Item Limit and Valuables limit remain
unchanged by virtue of this endorsement. All
other terms, conditions and exclusions
apply.
- Vehicle Personal Luggage Extension
If You are travelling by motor
vehicle, the cover available under Section
4, Personal Luggage 1(a) is hereby amended
as follows:
1.Cover is extended to include
claims for loss, theft or damage to Personal
Luggage (not Valuables) taken from an
unattended motor vehicle between the hours
of 10pm and 8am, so long as the items were
stored in a locked enclosed boot or a locked
boot concealed by a parcel shelf in a fixed
position (i.e.hatchback or estate) at the
time of loss. In the event of a claim, there
must be evidence that entry was effected by
violent or forcible means and a Police
report provided.
The maximum limit of indemnity
and Single Item Limit remain unchanged by
virtue of this endorsement. All other terms,
conditions and exclusions apply.
- Photographic / Video / Telephone /
Computer/ Musical Instrument / Sporting
Equipment Extension
(a) Up to 35 days
(b) Up to 6 months
(c) Up to 12 months
(d) Up to 18 months
Cover is hereby extended for the
value of personal property under Section 4 taken
on the Journey with You for loss, theft or
accidental damage occurring during the Period of
Insurance (said property being listed on the
attaching Schedule of Valuables form and
substantiated with an original purchase receipt
or pre-loss valuation).
The maximum payment for any Single
Item listed on the attaching Schedule of
Valuables shall be £1,000. The maximum payment
for all items listed on the attaching Schedule
shall be £2,000 in the aggregate.
All items covered under this
extension cannot be claimed under the original
limits of cover, but are claimable in addition,
subject to the same limitations and exclusions
under Section 4 (except as modified herein).
You are responsible for 10% of the
value of any claim in respect of all specified
items, in addition to the normal applicable
excess.
Additionally, there is no cover:
(a) for any loss or
damage as a result of scratching or denting; or
(b) whilst any item is
being serviced or repaired; or
(c) for Sporting
Equipment whilst in use.
Sporting Equipment is defined as
Diving, Windsurfing, Surfing, Kayaking, Camping
and Cycling Equipment.
- Annual Multi-Trip Endorsement - Trip
length extension.
In return for the appropriate premium, the
normal maximum Trip duration of 31 days is
hereby extended to:
a. 45 days
b. 60 days
- Golf Cover Endorsement
Cover under this endorsement only applies
when an additional Golf endorsement premium
is paid.
- - Golf Equipment
We will reimburse You up to £1,500, for
loss, theft or damage to Your Golf
Equipment (which means: golf clubs, golf
bags, non-motorised trolleys and golf
shoes) which occurs during the Period of
Insurance.
Our maximum limit of liability in
respect of:
(1) Golf Equipment is £1,500, subject to
the limit on Single Items (for any one
article, pair or set of articles,
irrespective of single or joint ownership)
of £250.
(b) - Golf Equipment Hire
We will pay You £20 per day, up to the
maximum limit of £200, for each 24 hour
period following the loss or breakage of
Your Golf Equipment or a delay in transit
of at least 12 hours of Your Golf
Equipment (which means: golf clubs, golf
bags, non-motorised trolleys and golf
shoes).
(c) - Green Fees
We will pay You up to £75 per day, up to
the maximum limit of £300, for the
proportionate value of any non-refundable,
pre-paid green fees, Golf Equipment (which
means: golf clubs, golf bags,
non-motorised trolleys and golf shoes),
hire or tuition fees necessarily unused as
a result of Your accident or illness, or
the loss or theft of documentation, during
the Period of Insurance which prevents the
participation in the pre-paid golfing
activity.
This Endorsement Excludes:-
We will not pay for :
- accidental loss of or theft of or
damage to Golf Equipment or
documentation left unattended other than
whilst:
a. in Your locked accommodation.
b. in a locked boot or locked and
covered luggage compartment of a motor
vehicle provided that:
(i) there is evidence of forcible and
violent entry to such vehicle.
(ii) no cover shall apply in respect of
property in vehicles left unattended at
any time between the hours of 10 pm and
8 am.
- Your failure to inform the
Police as soon as possible of any loss
or theft of Golf Equipment or
documentation and failure to obtain a
written report.
- accidental loss of or theft of or
damage to Golf Equipment or
documentation whilst in the custody of
an airline or other carrier, unless
reported immediately on discovery. In
the case of an airline, a Property
Irregularity Report must be obtained.
- loss of or damage to any Golf
Equipment on roof racks:
(i) by weather conditions resulting from
the failure to protect items.
(ii) by theft or malicious persons while
the vehicle is unattended unless the
rack was locked and secure and there is
evidence of forcible entry before 10pm.
and after 8 am.
- loss, theft or damage to Golf
Equipment shipped as freight or under a
Bill of Lading.
- loss, theft or damage arising from
delay or confiscation or detention by
Customs or other official.
- (Endorsement 8(c). only) claims
arising directly or indirectly as a
result of any ongoing medical conditions
unless declared to and accepted by Us.
- (Endorsement 8(c). only) claims
arising from a medical condition, which
are not substantiated by a medical
report from a Medical Practitioner
confirming Your inability
- property more specifically insured
elsewhere.
- the excess of £40 for claims under
Endorsement 8(a) above.
|
|
1 It
is a special condition that no Holiday/Journey
is booked or undertaken against medical advice
or for the purpose of obtaining medical
treatment.
2 It is a special condition that You
are not aware of any reason why the Holiday/Journey
may be cancelled or curtailed.
3 It is a special condition that if
You have a medical condition or You are
undergoing tests for the presence of a medical
condition which could necessitate cancellation
or curtailment of the Holiday/Journey, You must
obtain confirmation from Your registered Medical
Practitioner that there is no reason why You
should not travel.
4 The Medical Emergency Service
must be advised immediately in the event of:
- Your hospitalisation; or
- Your intended repatriation for
medical reasons; or
- The need to return earlier than the
original booked return date when the cause
of such return may be insured under Section
1 (b) Curtailment of the policy; or
- If out-patient treatment appears likely to
cost more than £500
- Your return being delayed due to
medical reasons or Your inability to
return Home as planned due to medical
reasons; all occurring during the Holiday/
Journey.
|
|
Claims
Procedure & Requirements:
- On the happening of any illness, injury,
loss or damage, You must at Your
expense:
(a) give Us full details in writing as soon
as possible after any event which could lead
to a claim under this policy;
(b) Take all reasonable precautions to
prevent further illness, injury, loss or
damage;
(c) Immediately inform the Police of any
loss or theft of Personal Luggage or Money
or Valuables and obtain a written
report;
(d) Supply all reports, certificates,
information, evidence and assistance as may
be required by Us;
(e) Send to Us any writ, summons or
other legal document served on You
and must not answer any correspondence
without Our written consent.
We shall be entitled
(a) to negotiate, defend or settle in Your
name and on Your behalf any claim
made against You; and
(b) to prosecute in Your name for Our
benefit any claim against any person in
respect of any amount paid or payable under
this policy.
- The Insured Person must exercise
reasonable care to prevent accident, injury,
loss or damage and at all times act as if
uninsured.
- You shall as often as required
submit to medical examination at Our
expense in connection with any claim under
Sections 1, 2 or 3 and in the event of Your
death We shall have the right to a
post mortem at Our own expense.
- All damaged property must be retained for
inspection, becoming Our property
upon settlement of the claim.
- Any claim arising under this Insurance
shall be governed by the Laws of England,
whose courts alone shall have jurisdiction
in any dispute arising hereunder.
- We may at Our expense take
proceedings in Your name to recover
compensation or secure an indemnity from any
third party in respect of loss, damage or
expense covered by this Insurance and such
amount so recovered or secured shall belong
to Us.
|
|
This policy
excludes:
- Claims directly or indirectly from
(i) Your engaging in:
(a) Wintersports, unless the appropriate
premium has been paid. (If Annual Multi-Trip
over 21 days).
(b) Any hazardous or sporting activity
(except those listed in the Hazardous
Activities section of the policy and the
appropriate premium paid if required), such
as Boxing, Caving, Hunting,Shooting,
Competitive Martial Arts, Motor Racing of
all types, Mountaineering, Polo, Potholing
or Weight Lifting (for which cover may be
obtained if declared to and accepted by Us
in return for additional premium and/or
changes in cover).
(c) Professional sports of any kind (for
which cover may be obtained if declared to
and accepted by Us in return for additional
premium and/or changes in cover).
(ii) Your:
(a) suicide or attempted suicide;
(b) being affected (temporarily or
otherwise) by alcohol or drug(s); or by any
sexually transmitted disease or condition;
or
(c) wilfully self-inflicted injury or wilful
exposure to danger, except in an attempt to
save human life.
- Loss (including any consequential loss),
bodily injury, damage or liability resulting
or arising from or directly or indirectly
caused or contributed to by:
(a) Ionising radiation or contamination by
radioactivity from any nuclear fuel or from
waste from the combustion of nuclear fuel;
(b) The radioactive toxic explosive or other
hazardous properties of any explosive
nuclear assembly or nuclear component
thereof;
(c) Detention or confiscation or requisition
by any Government or Public or Local
Authority;
(d) Pressure waves caused by aircraft or
other aerial devices;
(e) War, invasion, act of foreign enemy,
hostilities (whether war be declared or
not), civil war, terrorism of any kind
(other than cover under Section 3 so long as
the disturbances were not taking place at
the start of the insured trip), rebellion,
revolution, insurrection or
military or usurped power.
(f) Travelling to countries or regions where
the British Foreign Office have advised
against travel.
- In respect of all Sections other than
Sections 2, and 3, the Underwriting Agents
shall not be liable for any loss, injury,
damage, illness, death or legal liability
arising directly or indirectly from, or
consisting of the failure or fear of failure
or inability of any equipment or any
computer program, whether or not You own it,
to recognise or to correctly interpret or
process any date as its true calendar date,
or to continue to function correctly beyond
that date.
- This policy does not cover persons
residing outside the United Kingdom, Channel
Islands, Isle of Man or Eire at the time of
policy purchase (except if the appropriate
form is completed by You, remitted to
the Issuing Agent & approved on behalf
of the Underwriting Agents.
- Any loss whatsoever arising from the
bankruptcy / liquidation of any tour
operator, travel agent, transportation
company or accommodation provider.
- Consequential loss of any kind.
- Disinclination to travel.
- No refund of premium is allowed after the
14 day Cooling Off Period (see page
3) following the date of issue of the
policy.
|
|
INTERNATIONAL
MEDICAL RESCUE 24 HOUR EMERGENCY SERVICE is
available so that any Insured Person may request
help in the event of an emergency relating to
medical problems.
You must notify International
Medical Rescue (the Underwriter's agents acting
on Your behalf) immediately of any serious
illness or injury involving an Insured Person
whilst abroad which necessitates admittance to a
hospital as an in-patient, or out-patient if
costs are likely to exceed £500, or before any
arrangements are made for repatriation or
curtailment.
The Assistance Service is there to
help You 24 hours a day, 365 days a year. Do not
try to find Your own solution - they will solve
Your problem in the most suitable and practical
way.
THE TELEPHONE NUMBER IS:
UK +44 (0) 20 8669 9292
THE FACSIMILE NUMBER IS:
UK +44 (0) 20 8669 3442
Be prepared to give: (a) insurance
certificate number, (b) name & address of
issuing agent, (c) dates of outward & return
travel, (d) details of the problem including
name & address of patient and nature of
illness/accident and (e) names and telephone
numbers of hospital, attending doctor &
usual GP.
The Assistance Service is able to:
(a) liaise with doctors and hospitals, (b)
guarantee medical charges, (c) arrange emergency
repatriation with medical escort if necessary
and (d) give guidance and help to other members
of the party.
THE ABOVE EMERGENCY SERVICE MUST NOT BE USED
FOR CASUAL ENQUIRIES.
MEDICAL TREATMENT IN AUSTRALASIA Should
You require medical treatment in Australasia,
please note that reciprocal health arrangements
apply as far as UK Nationals (and some European
Nationals) are concerned. Please ensure that You
have Your Passport with You and if treatment is
required, then this should be produced.
In-patient and out-patient treatment at a public
hospital is then available either free of charge
(Australia) or at minimal cost (New Zealand).
Should You be admitted to hospital
then contact must be made with INTERNATIONAL
MEDICAL RESCUE and their authority obtained in
respect of any treatment not available under the
reciprocal arrangements before such treatment is
provided. |
|
| You
must give written notice to Us as soon as
practicable, but in any event within 30 days.
FIRST, either telephone: UK +44 (0) 20 8680
5142 (between 9.00 a.m. and 5 p.m. Monday - Friday),
give brief details of Your claim and ask for a
claim form - or write to Claims International Ltd,
14th Floor, Leon House, 201-241 High Street,
Croydon, CR9 1ER or visit the following website
www.cilint.com
PLEASE DO NOT FORWARD ANY DOCUMENTS
UNTIL YOU SUBMIT THE COMPLETED CLAIM FORM
|
|
It is
always Our intention to provide a first class
standard of service. However, if You have
any cause for complaint, please write to the
Chief Executive of Travel and Personal
Underwriters Ltd, 65-68 Leadenhall Street,
London EC3A 2AD.
If You consider the matter
still unresolved, the following options are then
open to You:-
1. Contact the Association of British Insurers
for assistance at: The Association of British
Insurers, Consumer Information Department, 51
Gresham Street, London, EC3V 7HQ;
or
2. Ask the Financial Ombudsman to review Your
case. There are, however, a few instances in
which this body is not empowered to consider
complaints. The Financial Ombudsman Service,
South Quay Plaza, 183 Marsh Wall, London E14
9SR. Please note that the Insurance Ombudsman
will not consider Your complaint until You have
first written to the Insurer and received their
final decision.
3. As members of the General Insurance
Standards Council (GISC) You will have
access to the GISC Dispute Resolution Facility
at the General Insurance Standards Council, 110
Canon Street, London, EC4N 6EU.
DU2004/POL/26/01/2004
|
|
|
|