roundtheworldflights.com

Roundtheworldflights.com has negotiated a truly unique RTW insurance policy that is tailored to meet the needs of travellers (between the ages of 18 and 50 only), and who will be visiting several countries or continents on one trip, including North America - This policy is perfect for your round the world trip. Call us on 0207 704 5700 to get your policy issued today!

Roundtheworldflights.com Travel Insurance
10% off all RTW travel insurance - Book by 31st July
Period of Travel Cost excluding Baggage Cost including Baggage up to 4 days £25 £29 up to 9 days £33 £39 up to 17 days £41 £47 up to 24 days £57 £68 1 month £75 £88 2 months £92 £108 3 months £104 £130 4 months £125 £156 5 months £145 £182 6 months £166 £208 7 months £185 £231 8 months £205 £255 9 months £226 £283 10 months £240 £306 11 months £263 £331 12 months £279 £349 Our roundtheworldflights.com Travel Insurance is worldwide and includes North America	Insurance Details Section A Cover Medical Expenses £5 million Hospital Benefit £200 Criminal Injuries £5000 Personal Liability £1 million Section B Personal Accident £10,000 Section C Cancellation £2,000 Section D Hi-jack of aircraft £500 Section E Personal Effects (optional) £750 (valuables limited to £300 in total) Money £300 Passport and Visas £250 Air tickets £1000 Section F Legal Expenses £5000 Section G Winter Sports and Hazardous Activities - for an extra £36 click here Please call 02077045700 to start your Roundtheworldflights.com Travel Insurance policy immediately - or email us
Adventure activities covered as standard
Backpacking, Ballooning, Bungee Jumping (maximum 2 jumps), canoeing in white water, Cycling, Driving, Hill Walking, Hitch Hiking, Horse Riding (excluding competitions and events), Jogging, Mountain Walking without ropes and equipment, Non Manual Work, Parascending, Parapenting, Roller Blading, Rowing, Running, Safari or Overland Travelling, Sailing, Scuba Diving, Snorkeling, Swimming, Surfing, Trans Siberian Train Journey, Trekking, Water skiing, White-water Rafting, Windsurfing or Zorbing
Important Information! - Please read
Claims Procedure Definitions Material Facts Medical Escorts General Enquiries Terrorism Pre Existing Conditions Road Ambulance Complaints Procedure Unattended Medical Emergencies Repatriation Period of Insurance Pre-existing Medical Medical Assistance How to make a claim Cooling Off Period Repatriation
Over 50? - we do have other travel insurance - click here
Hazardous Activities Plus Winter Sports (An extra £36) Some activities are more hazardous and pose a greater likelihood of a claim arising. Such activities can be insured by payment of an extra premium of £36 and this includes Abseiling, Gliding, Go-Karting, Marathon Running, Mountain Biking, Quad Biking, Sand Dune Surfing, Skating and Winter Sports, including Heli Skiing, Off-piste Skiing or Snow Boarding. Ski cover (click here for further details) is included when you pay the extra £36 for hazardous cover. Tandem Parachute jumps can also be insured for £16 each jump.
roundtheworldflights.com insurance for 18-50 year olds 2009 Our insurance is underwritten by AXA. A member of the AXA Group of Companies. AXA Insurance UK Plc is authorised and regulated by the Financial Services Authority. Registration No 202312. This can be checked on the FSA's register by visiting the FSA's website at www.fsa.gov.uk/register or by contacting them on 0845 606 1234. Cover is effected for any person who has requested insurance and who has paid the appropriate premium, under one Master Certificate. Underwritten by AXA Insurance UK plc. Registered in England No. 78950. Registered Office: 107 Cheapside, London EC2V 6DU. Important Your personal insurance number is the same as your booking invoice number. Please note your Personal Insurance number prior to travel. This Policy document and booking invoice showing the Insurance Premium, inclusive of tax where applicable, is all that we will issue to you. Please ensure that you retain these original documents and carry them with you when travelling as you will need to submit them in the event of a claim arising. Material Facts All Material Facts must be disclosed as failure to do so may affect your rights under this Insurance. In particular you should disclose: - Activities that could be considered hazardous, - Your occupation if it is a business trip and increases the risk, - The countries you are visiting if you are intending to travel against British FCO advice, - Any circumstances which could reasonably be expected to give rise to a cancellation claim.   Pre Existing Conditions Cover is excluded for any Pre-existing Medical Condition from which you, or any person upon whom travel depends, is suffering. If in doubt call our medical helpline, in confidence on 0870 906 3140 Please see definition of Pre-existing Medical Conditions. Please see General Exclusion 9 for further details. Medical Emergencies   SPECIALTY ASSISTANCE EMERGENCY MEDICAL SERVICE is available 24 hours a day 365 days a year IMMEDIATE CONTACT MUST BE MADE with SPECIALTY ASSISTANCE in the event of death or injury or illness necessitating any of the following: (i) HOSPITALISATION (ii) REPATRIATION (iii) ALTERATION TO TRAVEL PLANS (iv) CURTAILMENT OF TRAVEL SPECIALTY ASSISTANCE LTD TEL: +(44) (0) 20 7902 7405 FAX: +(44) (0) 20 7928 4748 Please note, the insured person's failure to contact Specialty Assistance may result in their claim being reduced or declined. Be prepared to give your: (a) booking invoice or validation certificate number. (b) name and address of agent or tour operator from whom insurance was purchased. (c) dates of outward and return travel. (d) details of problem including name and address of patient and nature of illness/accident. (e) name and telephone number of hospital and attending doctor. (f) details of usual GP. Please note, should you require medical treatment in Australia you MUST enrol with MEDICARE. Full details are shown on page 21 of this policy document. Specialty Group Ltd, trading as Specialty Assistance, 5-11 Lavington Street, London SE1 0NZ, is authorised and regulated by the Financial Services Authority. Their registration number can be checked on the FSA's register by visiting the FSA's website at www.fsa.gov.uk/register or by contacting them on 0845 606 1234.   Medical Assistance In the event of emergency involving injury or illness, Specialty Assistance have immediate access to a medical team of consultants and doctors in every field of medicine available to make direct contact with a hospital/clinic or treating doctor to obtain diagnosis and prognosis and offer advice and guidance for the well-being of the patient. Air Ambulance & Repatriation If it is medically necessary and considered in the interest of the patient to be repatriated or transported to another area to obtain proper medical care, then Specialty Assistance are readily able to arrange an air ambulance. Specialty Assistance take advantage of all known ambulance services thus affording the best service where possible for each individual case.   Medical Escorts As and when medically necessary, doctors or fully qualified nurses with medical equipment, are are available to support a patient travelling by air or road ambulance or scheduled and chartered aircraft. Road Ambulances & Return Home In the Western World modern long range ambulances may be utilised, fully equipped with such medical attendance as necessary for overland transit, including transport from port or airport of arrival, to home or nearest hospital to patient's home recommended by patient's own doctor. Long Haul Repatriation Specialty Assistance operate in liaison with many national airlines worldwide where with close co-operation, on schedule and charter flights, special facilities for comfort of passengers, including stretcher cases, are provided for the safe return journey home. For inter-continental repatriation this is usually the more comfortable and speedy means of returning home. How to make a claim Claims Procedure Notice must be given within 45 days of the date of occurrence of any claim under this Insurance. To request a claims form please contact the independent claims handlers: TOWERGATE CHASE PARKINSON, PO Box 416, West Byfleet, Surrey KT14 7YE Tel: 01932 334196 Fax: 01932 336620 Email: chaseparkinson@towergate.co.uk Towergate Chase Parkinson is authorised and regulated by the Financial Services Authority. Their registration number can be checked on the FSA's register by visiting the FSA's website at www.fsa.gov.uk/register or by contacting them on 0845 606 1234. Towergate Chase Parkinson is part of the Towergate Underwriting Group Ltd. General Enquiries If you have any general queries concerning this Insurance, or if there is anything you do not understand, please contact the Insurance Brokers who arrange the scheme: Campbell Irvine Limited, Alma House, Alma Road, Reigate, Surrey RH2 0AX. Telephone 01737 223687. Campbell Irvine Limited are authorised and regulated by the Financial Services Authority. Their registration number can be checked on the FSA's register by visiting the FSA's website at www.fsa.gov.uk/register or by contacting them on 0845 606 1234. Complaints Procedure The cover referred to in this document is subject to English law. Any enquiry or complaint should be addressed in the first instance to: The General Manager, Towergate Chase Parkinson, PO Box 416, West Byfleet, Surrey KT14 7YE. Should you require an independent review of your complaint or enquiry please subsequently contact Campbell Irvine. If your complaint is one of the few that cannot be resolved by this stage contact the Head of Customer Care who will arrange for an investigation on behalf of the Chief Executive: Head of Customer Care, AXA Insurance, Civic Drive, Ipswich IP1 2AN Tel: 01473 205926 Fax: 01473 205101 Email: customercare@axa-insurance.co.uk If you have been given a final response and you are still dissatisfied you may refer your case to the Financial Ombudsman Service (FOS). The FOS is an independent body that arbitrates on complaints about general insurance products. It will only consider complaints after you have been provided with written confirmation that the insurer's internal complaints procedure has been exhausted. The Ombudsman can be contacted at: Insurance Division, Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR Tel: 0845 080 1800 Fax: 020 7964 1001 Referral to the FOS will not affect your right to take legal action. Financial Services Compensation Scheme (FSCS) AXA Insurance is covered by the FSCS, which is triggered when an authorised firm goes out of business. In this unlikely event you may be entitled to compensation from the scheme. Compensation under the scheme for: - Compulsory insurance is covered in full. - Non-compulsory insurance is protected in full for the first£2,000 and 90% of any amount above the threshold. Full details are available at www.FSCS.org.uk Please note that you have six months from the date of the Insurer's final response in which to refer your complaint to the Ombudsman. Referral to the Ombudsman will not affect your right to take legal action. Period of Insurance The Period of Insurance shall commence when the insured person leaves their residence or place of business to commence travel to the Geographical Area shown on the booking invoice or validation certificate, and shall cease on return thereto during the Period of Insurance. If the insured person has not completed their travel before the expiration of this Insurance for reasons which are beyond their control this Insurance will remain in force until completion not exceeding a further 21 days without additional premium, but in the event of an insured person being hi-jacked, cover shall continue whilst the insured person is subject to the control of the person(s) or their associates making the hi-jack during the period of Insurance for a period not exceeding twelve months from the date of the hi-jack. Cooling Off Period If the insured person feels that this Insurance does not suit their requirements then a full refund will be allowed if this policy document and validation certificate or booking invoice are returned to Global Village Travel Centre, Head Office, 57/59 Leather Lane, London EC1N 7TJ, within fourteen days of the date of receipt of the policy document - so long as no claims have been made and no period of travel has started and the insured person gives written notification. No other refund of premium is possible outside this cooling off period. Definitions Any word or expression to which a specific meaning has been attached will bear the same meaning throughout this policy document. For ease of reading the definitions are highlighted by the use of bold print and will start with a capital letter. Irrecoverable Payments and Charges The cost of airline tickets and any other amount that is not refundable from the airline, tour operator or their suppliers. Terrorism An act, including but not limited to, the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on the behalf of or in connection with any organisation(s) or governments, committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any of the public, in fear. Unattended Means when the insured person is not in full view of and not in a position to prevent unauthorised interference with their property. Pre-existing Medical Condition Means: a) Any respiratory condition (relating to the lungs or breathing), heart condition, stroke or cancer for which you have ever received treatment (including surgery, tests or investigations by your doctor or a consultant/specialist and prescribed drugs or medication). b) Any Medical Condition for which you have received surgery, in-patient treatment or investigations in a hospital or clinic within the last twelve months. Medical Condition Means any disease, illness or injury. Medical Practitioner Means a registered practicing member of the medical profession who is not related to the insured person or any person with whom they are travelling. Conditions The insured person must comply with all the terms and conditions stated in this policy document to have the full protection of their policy. If the insured person does not comply the Insurer may at their option cancel the policy or refuse to deal with their claim or reduce the amount of any claim payment. General Conditions   1.This Insurance is available for holiday or business travel, but excludes overseas residency, permanent overseas employment, work of a predominantly manual nature or any hazardous activity not agreed by the Insurer. 2. The trip or journey for which this insurance is effected is not booked or commenced by an insured person either (a) contrary to medical advice or to obtain medical treatment, or (b) suffering from any Medical Condition or symptoms which, are awaiting or receiving investigation, treatment, tests, referral, or review or the results of any of the foregoing. 3. No insured person is aware of any reason why travel may be cancelled or curtailed. 4. The appropriate additional premium has been paid by any person aged 45 years or more at date of payment of Insurance Premium unless agreed by the Insurer and the appropriate premium paid. Fraudulent Claims The insured person must not act in a fraudulent manner. If the insured person or anyone acting for them: o Make a claim under the policy knowing the claim to be false or fraudulently exaggerated in any respect; or o Make a statement in support of a claim knowing the statement to be false in any respect; or o Submit a document in support of a claim knowing the document to be forged or false in any respect; or o Make a claim in respect of any loss or damage caused by their wilful act or with their connivance Then: o The Insurer shall not pay the claim o The Insurer shall not pay any other claim which has been made under the policy. o The Insurer may at their option declare the policy void. o The Insurer shall be entitled to recover from the insured person the amount of any claim already paid under the policy since the last renewal date. o The Insurer shall not make any return premiums. o The Insurer may inform the Police of the circumstances. Documentation All certificates, information and evidence required by the Insurer shall be furnished at the expense of the insured person or his legal personal representatives and shall be in such form and of such nature as the Insurer may prescribe. The insured person shall a often as required submit to medical examination on behalf of the Insurer at their own expense and in the event of death of the insured person the Insurer shall be entitled to have a post-mortem examination at their own expense. Cessation of Insurance All liability shall cease upon the return of the insured person to their normal place of domicile or business in their country of residence or upon their admission into medical care in their country of residence whichever shall be the sooner.   Duplicate Insurance If at the time of loss, theft or damage insured by Sections A, C, D, E, F and G hereof there shall be existing any other insurance against such loss or damage or any part thereof the Insurer shall be liable under this Insurance for its proportionate share only of such loss or damage. Subrogation The Insurer is entitled to take over any rights in the defence or settlement of any claim and to take proceedings in the insured person's name for the Insurer's benefit against any other party. One Way Travel In respect of one way travel, cover under all sections ceases on arrival at final destination. General Exclusions Excesses - Applicable to most claims Each and every loss, each section or claim, each insured person is subject to an excess of£50, except in respect of Section A4 - Personal Liability, Section B - Personal Accident, Section C - Loss of deposit only, Section D - Hi-Jack and Section E4 - temporary loss of baggage which are not subject to an excess. Section A4b rented accommodation and F Legal Expenses are subject to an excess of£250. The Insurer shall not be liable for any claim arising out of: 1. mountaineering or climbing, pot-holing, sports tours, motorized competitions or races, travelling by motorcycle (other than in respect of motorcycles hired or borrowed during the Period of Insurance) or Winter Sports, unless the appropriate premium has been paid, excluding ski racing in major events, ski jumping, ice hockey or the use of bobsleighs or skeletons. NOTE: not applicable to cancellation claims only. Any activity in the air other than as a passenger in a fully-licensed passenger-carrying-aircraft, or wilful exposure to needless danger (other than in an attempt to save human life). 2. Any form of stress, anxiety or allergy. Depression or any other mental or nervous disorder unless investigated and diagnosed by a Hospital Consultant. 3. Any wilfully self inflicted injury or illness, insanity, suicide or attempted suicide, sexually transmitted diseases, solvent abuse, the use of drugs (other than medically prescribed) and the effects of alcohol. 4. The insured person's participation in any criminal or illegal acts . 5. Any consequence of any act of war or Terrorism caused by nuclear, chemical or biological attack. 6. The failure or fear of failure or inability of any equipment or any computer programme, whether or not owned by an insured person, to recognise or to interpret correctly or process any date as its true calendar date, or to continue to function correctly beyond that date. 7. This Insurance does not cover (a) loss or destruction of or damage to any property whatsoever or any loss or expense whatsoever, resulting or arising there from or any consequential loss (b) any legal liability of whatsoever nature, directly or indirectly caused by or contributed to by or arising from (i) ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel (ii) in the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof. 8. This Insurance does not cover any form of consequential losses incurred such as telephone calls, fax transmissions, sustenance, airport parking and taxi fares. 9. The insured person will not be covered under Section A - Medical Expenses, Section B - Personal Accident or Section C - Cancellation or Curtailment for any claims arising directly or indirectly from: a) At the time of taking out this policy: i) Any Pre-existing Medical Condition that the insured person has unless they have contacted the medical helpline on 0870 906 3140 and the insurer has agreed to provide cover. ii) Any Medical Condition for which the insured person has received a terminal prognosis. iii) Any Medical Condition the insured person is aware of but for which they have not had a diagnosis. iv) Any Medical Condition for which the insured person is on a waiting list for or has knowledge of the need for surgery in a hospital. v) Any circumstances the insured person is aware of that could reasonably be expected to give rise to a claim on this policy, such as the health of a relative on whose well being the insured person's trip plans depend. Unless the insured person has been given the Insurer's agreement. b) At any time: i) Any Medical Condition the insured person has in respect of which a Medical Practitioner has advised them not to travel or would have done so had they sought his/her advice. ii) Any Medical Condition for which the insured person is travelling with the intention of obtaining medical treatment (including surgery or investigation) or advice outside their country of residence. iii) Any Medical Condition for which the insured person is not taking the recommended treatment or prescribed medication as directed by a Medical Practitioner.

 

 

 

1. Medical, Repatriation and Associated Expenses.
Up to £5,000,000

Should an insured person suffer accidental bodily injury or illness (including compulsory quarantine) or be hi-jacked during the Period of Insurance, the Insurer will indemnify:

i) normal and necessary receipted expenses of medical or surgical treatment incurred outside the insured person's country of residence including, emergency dental treatment to relieve pain and
suffering (limited to£250), specialists or ophthalmic fees, hospital, nursing home and nursing attendance charges, physiotherapy, massage and manipulative treatment, surgical and medical
requisites. Decompression chambers, ambulance/necessary transport charges (including helicopter/air ambulance charges if necessary on medical grounds and authorised by the Insurer or their Agents). The Insurer reserves the right to repatriate the insured person to their country of residence when in the opinion of the doctor in attendance and their medical advisers the insured person is fit to travel.
ii) reasonable additional accommodation and repatriation expenses incurred by an insured person and any one member of the family or party who has to remain or travel with the injured, ill or hi-jacked insured person, certified by a doctor to be strictly necessary on medical grounds, and approved by Specialty Assistance.
iii) the travel and reasonable accommodation expenses of one person to travel from their country of residence if their presence is strictly necessary on medical grounds.
iv) the cost of transporting the remains of an insured person to former place of residence up to£7,500 or funeral expenses incurred outside the insured person's country of residence up to£1,000.

2. Additional Hospital Benefit.
Up to £200
In addition to the costs referred to above, the Insurer will also pay the sum of£10 compensation for each complete day, up to£200, that the insured person is confined to hospital outside their normal
country of residence.

3. Criminal Injuries.
Up to£5,000
Should an insured person be admitted to hospital as an in-patient as a result of receiving Criminal Injuries following a personal assault verified by a written report that substantiates the injuries resulted from an unprovoked personal assault, the Hospital Benefit payable under Section A2 above is increased to£100 per complete day, up to£5,000, that the insured person is confined to hospital outside of their normal country of residence.

EXCLUSIONS APPLICABLE TO SECTION A1, A2 and A3
The Insurer shall not be liable for any claim:
a. arising out of pregnancy or childbirth if subject to a gynaecological disorder or if expecting to give birth within 8 weeks of completing a journey insured hereunder.
b. arising from a Pre-existing Medical Condition.
c. for the cost of medical or surgical treatment of any kind received by the insured person later than 52 weeks from the date of the accident or commencement of the illness.
d. for medical expenses incurred in an insured person's country of residence.
e. not verified by a medical report.
f. for elective cosmetic surgery.
g. for dental treatment to provide, replace or repair caps, crowns or bridges.

4. Personal Liability.
Up to £1,000,000

The Insurer will indemnify the insured person to the Sum Insured against all costs the insured becomes legally liable to pay as damages together with claimant's costs in respect of:-
(i) Accidental bodily injury to or death or illness of any person
(ii) Accidental loss of or damage to material property, occurring during the Period of Insurance. The Insurer will in addition pay all costs and expenses incurred with its written consent.

EXCLUSIONS APPLICABLE TO SECTION A4
The Insurer shall not be liable for any claim arising out of:

a. the ownership, possession or use of any aircraft, yachts or mechanically propelled vehicle including watercraft.
b. the ownership or use of lands or buildings (other than use only of rented temporary accommodation, in which case the first£250 of each and every claim is excluded).
c. any wilful or malicious act
d. the pursuit of any trade, business or profession
e. bodily injury, death or illness of the insured person or any member of the insured person's family
f. liability assumed under agreement unless such liability would have attached notwithstanding any such agreement.
g. The Insurer will not pay more than £1,000,000 for damages payable for any claim or claims arising from one event.

Up to  £10,000
In the event of the insured person sustaining bodily injury arising wholly and exclusively from violent accidental external and visible means which injury shall solely and independently of any other cause result in his/her death or disablement within twelve calendar months of the injury, the Insurer hereby agrees to pay to the insured person or in the event of death to his/her legal personal representative the following Sum Insured.

1. Death, or. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .£10,000
2. Loss of eye (s) or . . . . . . . . . . . . . . . . . . . . . . . . . . .£10,000
3. Loss of one or two limbs, or. . . . . . . . . . . . . . . . . . .£10,000
4. Permanent total disablement. . . . . . . . . . . . . . . . . . .£10,000

Provided that:
i) the benefit payable under (1) above is reduced to £1,000 if the insured person is under 16 years of age or 66 years of age or over at the time of death
ii) the total compensation in respect of any one insured person shall not exceed the Sum Insured.

Definitions
Loss of one or two limbs: loss or severance at or above the wrist or ankle or total permanent loss of use of an entire arm or leg.

Loss of eye(s): total or irrecoverable loss of sight.

Permanent total disablement: bodily injury other than the above which totally incapacitates the insured person from engaging in or attending to any occupation whatsoever for at least twelve calendar months from the date of the injury and at the end of that time rendering the insured person beyond hope of improvement.

Up to £2,000

Should an insured person necessarily have to cancel the projected journey before commencement, as a result of:

i) the death, accidental bodily injury, illness, compulsory quarantine, redundancy that qualifies for payment under current redundancy legislation, cancellation of leave for British forces, Police or
government security staff, summoning to jury service or witness attendance in a court of an insured person or insured travelling companion.
ii) the death, serious injury or illness of a close relative, or the person with whom the insured person intends to reside at the holiday or journey destination, or dependant business partner of the insured person or insured travelling companion which necessitates the presence of the person concerned.
iii) Hi-jack.
iv) adverse weather conditions making it impossible for an insured person to travel to point of departure at commencement of outward journey.
v) major damage or burglary at the insured person's home or place of business which at the request of an emergency service requires their presence.

The Insurer will pay for Cancellation prior to departure any Irrecoverable Payments and Charges (whether paid or contracted to be paid) made to the Global Village Travel Centre Ltd for airline flights anywhere in the world, up to the Sum Insured.

EXCLUSIONS APPLICABLE TO SECTION C

The Insurer shall not be liable for any claim:

1. arising out of pregnancy or childbirth if pregnant at date insurance commenced or subject to a gynaecological disorder or if expecting to give birth within 8 weeks of completing a journey insured hereunder.
2. arising from a Pre-existing Medical Condition.

Hi-Jack of Aircraft
The Insurer will pay compensation of£100 per complete day that the insured person is in detention due to unlawful seizure or wrongful exercise of control of an aircraft or the crew thereof, in
which the insured person is travelling as a passenger, up to£500

EXCLUSIONS APPLICABLE TO SECTION D

The Insurer shall not be liable for any claim arising directly or indirectly from:

Terrorism, war, invasion, riot, or civil commotion in existence or publicised at the time of effecting the Insurance.

Indemnity for Loss, Theft or Damage to:-
1. Accompanied personal luggage, clothing or effects belonging to the insured person. Up to£750
Claims are settled on an INDEMNITY basis taking account of age, wear and tear
2. Personal Monies. Up to£300. Cash, Bank or Currency notes, including reasonable expenses incurred as a result of loss, theft or damage.
3. Tickets. Up to£1,000. Air or other tickets including reasonable expenses incurred as a result of loss, theft or damage.
3. Passport or Visas. Up to£250. In respect of the cost of an emergency replacement or temporary passport or visa obtained whilst abroad including reasonable and receipted expenses incurred to obtain the same.

NOTE IN RESPECT OF CASH
Cover will be effective from time of collection from bank or currency exchange agent, or for 3 days before commencement of journey, or from date of commencement of this Insurance, whichever is the latter.

CONDITIONS APPLICABLE TO SECTIONS E&G
The insured person must comply with the following conditions to have the full protection of their policy. If the insured person does not comply the Insurer may at their option cancel the policy or refuse to deal with their claim or reduce the amount of any claim payment.

1. The insured person shall act at all times as if un-insured and shall exercise reasonable care for the safety and supervision of his property and in the event of loss, theft or damage hereunder the
insured person shall take all reasonable steps to recover any lost property.

2. The Insurer's liability for any insured article shall be limited to£250, the value of a pair or set of articles shall be limited to£250, and the value of disc collections shall be limited to£200. The
insured person shall produce receipts or other evidence of value and ownership where possible and in any event in respect of any item valued in excess of£100. Where this is not done liability shall be limited to£100.

3. Loss, theft or damage whilst in the custody or control of a carrier, authority, transport company, garage or hotel must be reported in writing to them and written acknowledgement obtained. Valuables and Money are not insured if left in 'checked in' luggage.

4. If baggage is temporarily lost for more than 24 hours by an airline, railway or shipping company on the outward journey, for the purchase of immediate necessities the Insurer will indemnify the
insured person up to£100 supported by receipts, but this will be deducted from the final claim if the loss is permanent.

5. There is a combined limit of£300 in respect of Valuables, (defined as jewellery, gold and silver articles, watches, photographic equipment, binoculars, telescopes, personal stereos, TV, hi-fi equipment, computer equipment and electronic devices.)

6. Indemnity for air tickets is limited to the original purchase price proportionately for each leg of the journey and loss, theft or damage must be reported immediately to the issuing agent or loss
adjusters.

7. Claims for loss, theft or damage to spectacles or sunglasses are limited to£100 per pair.

The Insurer shall not be liable for any claim arising out of:
1. damage due to moth, vermin, wear and tear and gradual deterioration.
2. loss, theft or damage to contact or corneal lenses, dentures or other aids or appliances, cycles, wind or surf boards or mobile telephones. Winter sports equipment is excluded unless the appropriate premium has been paid or Annual Multi Trip Insurance purchased.
3. loss, theft or damage to property hired to the insured person or confiscated by Police, Customs or other relevant authority.
4. loss, theft or damage not reported to the Police or other relevant authority as soon as possible and a written statement obtained in confirmation.
5. the breakage of fragile articles and the consequences thereof unless caused by fire or accident to a means of conveyance.
6. mechanical breakdown or derangement.
7. loss, theft or damage to business or professional goods, equipment or samples.
8. loss, theft or damage to money, or Valuables (as defined in Condition 5) left Unattended (including in a vehicle or the custody of carriers), unless in a locked safe, a locked hotel room, locked apartment, or locked holiday residence. Valuables and money are not insured if left in 'checked in' luggage.
9. shortages due to error or omission, depreciation in value.

Up to£5,000
The Insurer will pay for legal costs and expenses, or the appointment of a claims agent in order to pursue compensation and/or damages against a third party arising from or out of personal injury to or death of the insured person occurring during the Period of Insurance.

The Insurer shall have complete control over the legal proceedings and the appointment and control of a solicitor or claims agent.

EXCLUSIONS APPLICABLE TO SECTION F
The Insurer shall not be liable for:
1. costs incurred in pursuance of any claim against a travel agent, or tour operator including any employee, servant or agent thereof, carrier or their suppliers, or travelling companion or the Insurer or their representatives.
2.legal expenses incurred prior to the granting of support by the Insurer or without their written consent.
1. any claim where, in the Insurer's opinion, there is insufficient prospect of success in obtaining a reasonable benefit.
4. claims for professional negligence.

5. claims against any employer, or whilst carrying on any trade or profession.
6. the first£250 of any claim.

If an insured person suffers a personal injury and wishes to claim against the person who caused it they may telephone Towergate Chase Parkinson on 01932 334 196 for guidance.

Winter Sports Activities

Applicable only if the appropriate premium has been paid and in addition to the cover granted under all other sections of this Insurance.

Ski Equipment up to £350
The Insurer will indemnify the insured person in respect of:
a) Loss, theft or breakage of skis and ski equipment owned by the insured person.
b) Loss, theft or breakage of skis and ski equipment hired to and in the charge of the insured person. There is a limit of £250 for any single item, set or pair and an overall limit of £100 in respect of hired equipment. The insured person shall produce receipts or other evidence of value and ownership where possible and in any event in respect of any item valued in excess of £100. Where this is not done, liability shall be limited to £100.

Ski Hire up to £200
The Insurer will indemnify an insured person in respect of the cost of necessary hire of skis following:-
a) Loss, theft or breakage of an insured person's skis.
b) The misdirection or delay in transit of an insured person's skis, subject to the insured person being deprived of their use for not less than 12 hours.

Ski Pack up to£300
The Insurer will indemnify an insured person in respect of the proportionate value of any ski pass, hire or tuition fee necessarily unused due to the following:
a) Accident or sickness of an insured person.
b) Loss, theft or damage of ski pass.

Piste Closure up to£200
The Insurer will pay up to£20 for each 24 hour period that it is not possible to ski, up to the maximum Sum Insured, for additional transport costs incurred to reach an alternative resort caused by a lack of snow or avalanche at the insured person's pre-booked resort following the closure of skiing facilities.

Avalanche Closure up to£150
The Insurer will indemnify an insured person in respect of additional travel and accommodation expenses necessarily incurred in the event that the outward or return journey by public transport is
delayed beyond the scheduled arrival time as a direct result of avalanche. Subject to a delay of not less than 12 hours having occurred.

NOTE: This Winter Sports Extension is subject to the same Conditions and Exclusions as Section E. Personal Effects, other than the exclusion of hired equipment. Skis and Ski equipment includes snow boards and snow board equipment.

EXCLUSIONS APPLICABLE TO SECTION G

The Insurer shall not be liable for any claim arising out of :

1. occurrences detailed above that do not occur during the period of overseas travel.
2. the insured person participating in ski racing in major events, ski-jumping, ice hockey, or the use of bob sleighs or skeletons.
3. Ski Hire, Ski Pack, Piste Closure or Avalanche which are not supported by documentary evidence.
2. the loss, theft or damage of skis or ski sticks over five years old.
NOTE: Claims will in any event be settled on the basis of 20% depreciation each year for such items.
5. loss, theft or damage to skis or ski equipment carried on a vehicle roof rack.
6. loss of or damage to skis or ski equipment whilst in use.

Please note: Winter sports activities are insured subject to the appropriate premium having been paid, if using a recognised piste. Random 'off piste' winter sports activities will only be insured if with a qualified instructor or in a group of not less than 3 persons in possession of working communications or portable telephone. No cover for winter sports activities against local authority advice.

Data Protection
This insurance is underwritten by AXA Insurance UK plc, who are authorised and regulated by the Financial Services Authority. Your insurer AXA Insurance UK plc is a member of the AXA Group. To set up and administer your insurance policy they will hold and use information about you supplied by you and by medical providers. They may also send it in confidence for processing to other companies in the AXA Group ( or companies acting on their instructions) including those located outside the European Economic Area.

 

MEDICAL TREATMENT IN AUSTRALIA - MEDICARE

Should you require medical treatment in Australia you MUST enroll with MEDICARE. It can be done after the first occasion on which you receive treatment. In-patient and out-patient treatment at a public hospital is then available free of charge. Should you be admitted to hospital then immediate contact must be made with SPECIALTY ASSISTANCE and their authority obtained in respect of any treatment not available under MEDICARE before such treatment is provided.

PLEASE NOTE: Cover is excluded for any Pre-existing Medical Condition from which the insured person, or any person upon whom travel depends, is suffering. If in doubt call our medical helpline, in confidence on 0870 906 3140

Please see definition of Pre-existing Medical Conditions on above. Please see General Exclusion 9 above for further details.

Unfortunately things can go wrong on holiday. You could fall ill or have an accident; you could have money or luggage stolen; your visit might be cancelled or cut short through injury or illness; your family may need to fly out to be with you if there is a serious incident. Costs - particularly medical treatment costs - can easily run into thousands of pounds. This is particularly relevant in North America or in areas of the world cut off from standard medical facilities such as you will find when you are trekking. All these risks and more can be covered by taking out travel insurance. Market surveys show that many people don't take insurance. People believe that their credit card accident cover, home insurance, or private health cover is sufficient. However, it is unlikely that these will give adequate cover. Be sure to look through the extent of the cover that we offer. We have tailored this policy specifically to the needs of the backpacker and the round the world traveller. By removing some of the more unnecessary cover but without removing all the essential stuff (we didn't think you'd want to be taking that£3000 Gucci watch away with you on this trip!) we have been able to bring the cost down to as little as 62p per day for a fully comprehensive policy. Declare anything that you think might affect the cover. Be honest - tell your insurer about current or past medical conditions. This should include the condition of those to be insured and others, such as close relatives, whose state of health may prevent you from travelling or may cause you to curtail your trip. If you don't declare you may invalidate your policy. If travelling to Europe - make sure you fill in Form E111. When you travel. - Make sure you take your policy and the 24 hour emergency phone number with you. - Make sure you know what to do in the event of a problem. - Contact Campbell Irvine as soon as possible to make them aware of any problems that have arisen. - If anything does happen make sure you keep as much paperwork as possible - tickets, receipts, medical bills, police reports etc - to help prove that what you're claiming for actually happened. Travel insurance for over 50s