INITIAL DISCLOSURE DOCUMENT & TERMS OF BUSINESS
The Financial Service Authority
The Financial Services Authority (FSA) is an independent watchdog that regulates financial services. It requires us to give you this document. Please use the information below to confirm that the service we are offering is right for you.
Who Regulates Us?
Campbell Irvine Ltd, (registration No.306242) is authorised and regulated by the Financial Services Authority. You may check this on the FSA’s register by visiting the FSA’s website www.fsa.gov.uk or by contacting them on 0845 606 1234.
Whose Products do we offer?
We only offer insurance from a single insurer the International Insurance Company of Hannover Limited (IICH) who are an A rated International Insurance Company.
Which Service we provide you with?
We do not recommend products after assessing your needs for Travel Insurance. We will ask you questions to determine that the product we are offering is applicable to your circumstances. You can then choose whether you wish to proceed with this product.
What will you have to pay us for our services?
We may charge an administration fee to cover any amendments to your travel insurance policy after it has been issued. Details will be provided to you at the time.
Are we covered by Financial Services Compensation Scheme (FSCS)? Campbell Irvine are covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the scheme if we can not meet our obligations, depending on the type of business and the circumstances of the claim. Insurance advising and arranging is covered for 90% of the claim, without any upper limit. Further information about compensation scheme arrangements is available from the FSCS.
Your Duty of Disclosure
It is your responsibility to provide complete and accurate information to Insurers when you take out your insurance policy, throughout the life of the policy and when you renew it. It is important you ensure that all statements you make on any application form, claim form and other documentation are full and accurate. Please note that if you fail to disclose any material information or change of circumstances to your Insurers, this could invalidate your insurance cover and could mean that part or all of a claim may not be paid. We strongly recommend that the information provided is checked thoroughly prior to submission and that you keep a record of all correspondence supplied in relation to the arrangement of your insurance cover.
Settlement Terms
We will be responsible for collecting payment for all new and renewal premiums and any alterations as soon as practicable but prior to inception or renewal of your policy. All premiums paid to us will be held as Agent of the Insurer in a non statutory Trust Account. All premiums are protected under Risk Transfer agreement with the Insurers. You will be responsible for paying promptly all of our payment requests for premiums, to enable us to make the necessary payments to Insurers. We accept payment by cash, cheque, selected credit/debit cards and bank transfers.
Your Policy
Should you mislay your policy a replacement will be issued upon written request. You may also request a new policy document at each renewal.
Governing Law and Language
United Kingdom Law allows the parties to choose the law applicable to the contract. The contract will be subject to the laws of England and in all communications, the contractual terms and conditions, and any information, we are required to supply to you, before and during the duration of the contract will be in the English language, unless otherwise agreed in writing.
Confidentiality and Data Protection
All personal information held by us in relation to you will be treated with the utmost confidence and, where appropriate, in accordance with data protection
legislation, including the Data Protection Act 1998. To set up and administer your insurance policy IICH 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 IICH group (or companies acting on their instructions) including those located outside the European Economic Area.
What to do if you have a complaint
Please see the complaints procedure detailed in the Policy document.
POLICY SUMMARY - 2011 TRAVEL INSURANCE
This Policy Summary does not contain full details and conditions of your insurance
– these are located in your Policy Document. Where a heading is underlined in this Policy Summary, full details can be found in the Policy Document under the same heading.
This insurance is underwritten by International Insurance Company of Hannover
Limited. (IICH).
Type of Insurance and Cover
Travel insurance for single or annual multi trips – Your validation certificate will show which cover you have selected.
Annual Cover: World-wide holiday and business cover for an unlimited number of trips, of up to 70 days any one trip, limited to 31 days if aged 66 to 69 years. Winter Sports can be included up to 30 days. Work of a predominantly non-manual nature may be included at additional cost.
Single Trip: You are covered for a single trip to a specific region of the world. Applicants aged 66 or more can be covered at additional premium. Winter Sports can be included at additional cost. Maximum age 69 years old at date of payment of Insurance Premium.
Conditions
It is essential that you refer to the General Conditions (please see ‘Conditions’ in the Policy Document).
Special conditions apply to Section E – Personal Effects and Section G – Winter
Sports Extension of your policy.
Failure to comply with these conditions may jeopardise your claim or cover. - Please refer to the Policy Document for full details.
SPECIAL FEATURES AND BENEFITS Emergency and Medical Services
Medical assistance; air ambulance & repatriation; medical escorts; road ambulance and return home and long haul repatriation in the event of death, injury or illness necessitating: hospitalisation; repatriation; alteration to travel plans or curtailment of travel.
Immediate contact must be made with Specialty Assistance Emergency Medical Services who are available on + (44) (0) 20 7902 7405. If you are travelling to Australia and you require medical treatment you must enrol with a local Medicare office.
Section A – Medical Expenses and Personal Liability:
Medical repatriation and associated expenses incurred overseas up to
£5,000,000.
Overseas emergency dental treatment to relieve pain and suffering up to £250. The cost of transporting the remains of an Insured Person to their former place of residence up to £7,500 or funeral expenses abroad up to £1,000.
In Patient Benefit of £10 per day if you are confined to hospital overseas, to a maximum £200 per person. In the case of Criminal Injuries the benefit increases to £100 per day to a maximum £5,000.
Personal liability for any compensation if you become legally liable to pay up to £2,000,000.
Section B – Personal Accident:
£25,000 for loss of sight, loss of limb(s), or permanent total disablement and
£10,000 in the event of death subject to age.
Please refer to the Policy Document for important definitions and full details of the cover and sub limits.
Section C – Cancellation or Curtailment:
In the event of necessary cancellation before, or curtailment during the insured trip due to: death; accidental bodily injury; illness; compulsory quarantine; redundancy; cancellation of leave for British Forces, Police or Government security staff; jury service or witness attendance in court of the Insured Person; the death or serious injury or illness of a Close Relative of the Insured Person or the person with whom you intend to reside; adverse weather conditions making it impossible to travel to the international departure point; any event in which the emergency services request your presence following major damage to or burglary from your home or place of work.
The Insurer will pay:
Up to £3,000 in respect of Irrecoverable Payments and Charges in respect of cancellation; or up to £3,000 in respect of a proportionate refund of inclusive tour costs, or the original value of unused air tickets in respect of curtailment. Please refer to the Policy Document for important definitions and full description of the cover. Curtailment of your trip to your country of residence must be authorised by the Emergency Medical Services, (Specialty Assistance).
Section D – Travel Delay:
In the event of delayed departure for at least 12 hours from the specified departure time, or arrival at destination at least 12 hours later than specified, due to: strike; industrial action; disruption; Terrorism; adverse weather or breakdown the Insurer will pay £25 for each complete 12 hours delay up to a maximum £100 per Insured Person. Please refer to the Policy Document for important definitions.
Where a delay of 12 hours or more causes you to cancel your whole travel itinerary prior to departure the Insurer will pay up to £1,000 per Insured Person in respect of Irrecoverable Payments and Charges. Please refer to the Policy Document for important definitions.
The Insurer will pay £100 per day up to a maximum £3,000 per Insured Person in the event that you are detained by hi-jack of an aircraft.
If the failure of scheduled public transport services in the United Kingdom due to strike; industrial action; disruption; Terrorism; inclement weather, accident or breakdown of the vehicle you are travelling in causes you arrive too late at the international point of departure in the United Kingdom, the Insurer will pay up to
£300 per Insured Person in respect of additional travel and accommodation only expenses to enable you to reach your destination.
Section E – Personal Effects:
Your validation certificate will show if this cover is operative.
Accidental loss, theft or damage to accompanied personal luggage, clothing or effects up to £2,000 in total (up to £250 per article, pair or set of articles, disc collections limited to £200, and up to £350 as a total in respect of all Valuables (please see the Policy Document for the definition of Valuables), claims for spectacles and sunglasses are limited to £100 per pair.
Personal Money is covered up to £500.
Passports and Visas are insured up to £250 against the cost of emergency replacement.
Temporary loss of baggage for more than 24 hours is covered up to £100 per person deductible from the final claim if the loss is permanent.
Air tickets are covered to the original purchase price proportionately for each leg of the journey, including reasonable expenses incurred as a result of loss, to a maximum £1,000.
Section F – Legal Expenses:
Up to £15,000 in respect of legal costs and expenses in pursuit of compensation and/or damages against a third party arising from the death or bodily injury to the Insured Person.
Section G – Winter Sports Extension:
Your validation certificate will show if this option is operative.
Loss, theft or breakage of your own ski equipment is insured up to £350 per
Insured Person, subject to a limit of £250 for any single item, set or pair.
Loss, theft or breakage of hired ski equipment in your charge is insured up to £100 per person.
Up to £200 per Insured Person in respect of replacement ski hire following loss, theft or breakage, or misdirection or delay in transit of an Insured Persons skis preventing their use for not less than 12 hours.
Up to £300 per Insured Person in respect of the proportionate value of any ski pass, hire or tuition fee necessarily unused following accident or sickness of the Insured Person, or loss theft or damage of the ski pass.
Up to £20 per day per Insured Person to a maximum of £200 for additional transport costs to reach an alternative resort necessitated by a lack of snow or avalanche at your pre-booked resort following the closure of skiing facilities.
Up to £150 per Insured Person in respect of additional travel and accommodation expense necessarily incurred as a result of the outward or return journey by public transport being delayed for 12 or more hours beyond the scheduled arrival time due to avalanche.
Significant or unusual Exclusions or Limitations
The standard excess and any increased amount you have agreed to pay will be shown in your Policy Document. For Annual Multi trip travel insurance: trips within the United Kingdom must include at least 2 nights pre-booked accommodation, and cover is not available to anyone aged 70 years or more at the date of payment of Insurance Premium.
General Exclusions:
Any consequence of any act of war invasion, act of foreign enemy, hostilities (whether declared or not), civil war, civil commotion, rebellion, revolution, insurrection, military force, any act of Terrorism where you are actively engaged and/or where you have travelled or you remain contrary to Foreign & Commonwealth Office travel advice.
There are a number of activities, practices and certain winter sports that are excluded, please see ‘General Exclusions’ in the Policy Document. Some activities described can be included if an additional premium has been paid. Your validation certificate will show if you have chosen this option.
Wilful self inflicted injury, solvent abuse, the use of drugs and the effects of alcohol and sexually transmitted diseases.
Unlawful actions.
Stress or anxiety. Depression or any other mental or nervous disorder unless diagnosed by a hospital consultant.
You will not be covered under Section A - Medical Expenses, Section B - Personal Accident or Section C - Cancellation and Curtailment in respect of any defined pre-existing Medical Condition (please refer to General Exclusions in the Policy Document).
Exclusions under Section A – Medical Expenses and Personal Liability: Medical Expenses excludes any claim relating to any Pre-Existing Medical Condition; any expenses not verified by a medical report; or the cost of medical or surgical treatment later than 52 weeks from the date of accident or illness, or elective cosmetic surgery.
Personal Liability excludes claims in respect of pursuit of any trade, business or profession; the ownership possession or use of any aircraft, yachts or mechanically propelled vehicles including watercraft and the ownership or use of any land or building other than use of rented temporary accommodation. The ownership or use of any firearm or weapon. Animals belonging to you or in your care or custody.
Exclusions under Section C – Cancellation or Curtailment:
Any claim arising from a Pre-Existing Medical Condition.
Exclusions under Section D – Travel Delay:
Any strike, industrial action, publicised at the time of effecting the insurance. The withdrawal of any aircraft, train or sea vessel on the recommendation of a Port Authority, the Civil Aviation Authority or similar body.
Exclusions under Section E – Personal Effects
and Section G Winter Sports Extension:
Unattended Valuables (including those in a vehicle) are uninsured unless in a locked safe, locked hotel room, locked apartment or locked holiday residence. Please see Policy Document for definition of ‘Unattended’.
Business or professional goods, equipment or samples and any property hired to the Insured Person are excluded.
Exclusions under Section F – Legal Expenses:
Any costs incurred before obtaining the written consent of the Insurer. Claims against travel agents or tour operators.
The insurer shall have complete control of any legal proceedings and can exclude a claim if they feel there is insufficient prospect of success.
Exclusions under Section G – Winter Sports Extension:
Loss, theft or damage of skis or ski poles over 5 years old is excluded.
There is no cover for skis or ski equipment carried on a vehicle roof rack or whilst in use.
Duration
Please refer to your validation certificate to confirm the policy duration of your selected cover.
Cancellation Period
You are free to cancel this policy at any time. If you wish to cancel within 14 days of receipt of the Policy Document, you may by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel after the first 14 days of receipt of the Policy Document no premium refund will be made. Please see the Policy Document for full details.
Claim Notification
To make a claim contact Claims Settlement Agencies Limited. (CSA), on
Telephone: 0844 826 2644. Email info@csal.co.uk or www.csal.co.uk
Complaints Procedure
Any complaint you may have should in the first instance be addressed to Claims Settlement Agencies Limited. If you are not satisfied with the way in which your complaint has been dealt with, you should write to The Customer Care Department of Campbell Irvine Limited who will endeavour to resolve the complaint.
If the complaint is still not resolved, you can approach The Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action.
Full details of addresses and contact numbers can be found within the Policy
Document.
Financial Services Compensation Scheme (FSCS)
IICH 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: Non-compulsory insurance is protected in full for 90% of the claim without an upper limit. Full details are available at www.FSCS.org.uk
INDEX
POLICY DOCUMENT - SEE PDF ABOVE FOR EXACT DETAILS
Page 1. Initial Disclosure Document & Terms of Business.
Page 2. Policy Summary.
Page 6. Index. Demands & Needs.
Page 7. Policy Document. Sums Insured.
Page 8. Pre-existing Medical Conditions.
Page 9. Medical Emergencies. How To Make a Claim. Page 10. Complaints Procedure. Period of Insurance. Page 11. Definitions.
Page 13. General Conditions.
Page 14. General Exclusions.
Page 17. Section A Medical Expenses & Personal Liability.
Page 19. Section B Personal Accident.
Page 20. Section C Cancellation or Curtailment.
Page 21. Section D Travel Delay. Page 22. Section E Personal Effects. Page 24. Section F Legal Expenses.
Section G Winter Sports Extension.
Page 26. Annual Multi Trip Insurance.
Page 27. Reciprocal Health Agreements. Geographical Areas.
Page 28. Activities Automatically Included.
Page 29. Claims Checklist. Data Protection.
Page 30. Green Paper. Medical Emergency Card.
This Policy Document contains details of the Travel Insurance Scheme underwritten by International Insurance Company of Hannover Limited. (IICH). Registered in England No. 1453123. Registered Office: 1 Arlington Square, Bracknell, RG12 1WA. Authorised and regulated by the Financial Services Authority. Registration No 202640. This can be checked on the FSA’s register by visiting the FSA’s website at www.fsa.gov.uk or by contacting them on 0845 606 1234. Cover applies to each Insured Person named on the validation certificate. The cover and limits will apply to each Insured Person who has paid the appropriate premium.
IMPORTANT- Your personal insurance number is your validation certificate number. Please note your personal insurance number prior to travel.
This Policy Document and validation certificate 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 as you will need to submit them in the event of a claim arising.
Demands and Needs
This travel insurance policy will suit the Demands and Needs of an individual, or group (where applicable) who have no excluded Pre-Existing Medical Conditions, are travelling to countries included within the Policy terms and wish to insure themselves against the unforeseen circumstances/events detailed in this Policy Document. Subject to the terms and conditions and maximum sums insured.
Important
This policy will have been sold to you on a non-advised basis and it is therefore for you to read this Policy Document (paying particular attention to the Terms, conditions and exclusions) and ensure that your chosen policy meets all of your requirements. If upon reading this Policy Document you find that it does not meet all of your requirements, please refer to the relevant cooling off section.
MEDICAL EMERGENCIES
SPECIALT Y ASSISTANCE EMERGENCY MEDICAL SERVICE
is available 24 hours a day 365 days a year IMMEDIATE CONTACT MUST BE MADE with SPECIALT Y 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
SPECIALT Y 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. Private medical treatment is not covered unless authorised by Specialty Assistance.
Be prepared to give your:
(a) validation certificate number.
(b) name and address of agent or tour operator from whom insurance was purchased.
(c) dates of outward and return travel (tickets/itinerary).
(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 enroll with MEDICARE. Full details are shown in this policy document.
Specialty Group Limited, trading as Specialty Assistance,
5-11 Lavington Street, London SE1 0NZ, is authorised and regulated by the Financial Services Authority. Their registration number
310533 can be checked on the FSA's register by visiting the FSA's website at www.fsa.gov.uk or by contacting them on
0845 606 1234.
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 notify a claim and request a claims form please contact the claims handlers: www.csal.co.uk
Claims Settlement Agencies
308-314 London Road, Hadleigh, Essex SS7 2DD. Tel: 0844 826 2644 Fax: 0844 826 2645
Email: info@csal.co.uk
CSA is authorised and regulated by the Financial Services Authority. Their registration number 309264 can be checked on the FSA’s register by visiting the FSA’s website at www.fsa.gov.uk or by contacting them on 0845 606 1234.
The Insured Person and the Insurer are free to choose the law applicable to this Policy. As the Insurer is based in England, they propose to apply the laws of England and having read and understood the terms and conditions of this policy the Insured Person has agreed to this.
COMPLAINTS PROCEDURE Any enquiry or complaint should be addressed in the first instance to: The General Manager, Claims Settlement Agencies,
308-314 London Road, Hadleigh, Essex SS7 2DD.
Should you require an independent review of your complaint or enquir y please subsequently contact the Customer Care Department, Campbell Irvine Limited, 48 Earls Court Road, Kensington, London W8 6EJ.
If you have been given a final response and you are still dissatisfied with the outcome 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. 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.
Financial Services Compensation Scheme (FSCS)
IICH 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:
Insurance advising and arranging is covered for 90% of the claim, without an upper limit.
Full details are available at www.FSCS.org.uk
PERIOD OF INSURANCE
Single Trip
The Period of Insurance as shown on your validation certificate. Cover under Section C – Cancellation starts from the issue date
validation certificate and ends when the Insured Person leaves
their residence or place of business to commence travel.
The cover under all other sections of the policy starts on the commencement date shown on the validation certificate and ends on the Insured Persons return home or expiry of the Period of Insurance, whichever is first.
No premium refund outside of the Cooling Off Period may be offered if the Insured Person returns home prior to the expiry of the Period of Insurance.
Annual Multi Trip
Any one trip shall be limited to a maximum duration of 70 days, or
31 days if aged 66 years or more at date of payment on insurance premium. For any trip known to be exceeding the maximum duration then the entire period of travel including the first 70/31 days will not be insured.
To cover travel within the 12 month Period of Insurance shown on the Insured Person’s validation certificate.
Cover under Section C – Cancellation starts from the date of issue stated on your validation certificate or travel being booked, whichever is the latter. Cover under all other sections of the policy starts on the commencement date shown on the validation certificate and ends on the Insured Person’s return home or expiry of the Period of Insurance, whichever is first.
Automatic Trip Extension
If the Insured Person is prevented from completing their travel before the expiration of this Insurance as stated under the Period of Insurance on the validation certificate for reasons which are beyond their control, including ill health or failure of public transport, this Insurance will remain in force until completion but not exceeding a further 31 days on a day by day basis, without additional premium.
In the event of an Insured Person being hijacked, cover shall continue whilst the Insured Person is subject to the control of the person(s) or their associates making the hijack during the Period of Insurance for a period not exceeding twelve months from the date of the hijack.
Please ensure you arrange cover for the entire duration of your travel.
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
Means the cost of airline tickets and any other amount that is not refundable from the airline, tour operator or their suppliers.
Strike or Industrial Action
Means any form of industrial action taken by workers which is carried on with the intention of preventing, restricting or otherwise interfering with the production of goods or the provision of services.
Close Relative
Means mother, father, sister, brother, wife, husband, partner (including common law and civil partnerships), son, daughter (including fostered/adopted), grandparent, grandchild, parent in law, son in law, daughter in law, brother in law, sister in law, step parent, step child, step sister, step brother or legal guardian.
Insured Person
Means any person named on the validation certificate.
Terrorism
Means 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, Crohn’s disease, epilepsy, allergy, or cancer for which you (or any other person not necessarily travelling but upon whom travel depends such as a Close Relative) have ever received treatment (including surgery, tests or investigations by your doctor or a consultant/specialist or prescribed drugs/medication).
b) Any Medical Condition for which you (or any other person not necessarily travelling but upon whom travel depends such as a Close Relative) have received surgery, in-patient treatment or investigations in a hospital or clinic within the last twelve months or taking prescribed drugs/medication.
Medical Condition
Means any disease, illness or injury.
Medical Practitioner
Means a registered practising member of the medical profession who is not related to the Insured Person or any person with whom they are travelling.
Valuables Means jewellery, watches, gold, precious stones and articles made of/or containing gold, silver or precious metals. Photographic, TV, audio, CD’s, MP3 Players, video, computer, GPS/navigation electrical equipment. Binoculars, optical equipment and telescopes and animal skins.
Policy Excess Means the amount of any claim that you have to pay before any payment is made to you.
Dependent Business Partner Means a person in the same employ as you whose absence from work necessitates your presence.
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 and act as if uninsured at all times. 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 on behalf of 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. The appropriate additional premium has been paid by any person aged 66 years or more at date of payment of Insurance Premium in respect of Single trip insurance. Maximum age 69 years at date of payment of insurance premium unless agreed on behalf of the Insurer.
4. That you contact the Medical Emergency Services as soon as possible with full details of anything which may result in a claim as a result of a medical emergency.
Cooling off Period
The Insured Person may cancel this policy within 14 days of the date of receipt of the policy document (new business) or the renewal date by writing to us during the 14 day cooling off period. Any premium paid will be refunded in full so long as no period of travel has started. If the Insured Person elects to cancel this policy after the first 14 days receipt of the policy documentation or returns home prior to the expiry of the Period of Insurance no premium refund will be made.
Fraudulent Claims
The Insured Person must not act in a fraudulent manner. If the
Insured Person or anyone acting for them:
• Make a claim under the policy knowing the claim to be false or fraudulently exaggerated in any respect; or
• Make a statement in support of a claim knowing the statement to be false in any respect; or
• Submit a document in support of a claim knowing the document to be forged or false in any respect; or
• Make a claim in respect of any loss or damage caused by their wilful act or with their connivance.
Then:
• The Insurer shall not pay the claim.
• The Insurer shall not pay any other claim which has been made or will be made under the policy.
• The Insurer may at their option declare the policy void.
• The Insurer shall be entitled to recover from the Insured Person
the amount of any claim already paid under the policy.
• The Insurer shall not make any return premiums.
• 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 as 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 cover shall cease upon the return of the Insured Person to their normal place of residence 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 there is another 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
Cover under all sections ceases on arrival at final destination.
GENERAL EXCLUSIONS
POLICY EXCESSES
Unless the appropriate Policy Excess Waiver premium has been purchased and shown on your validation certificate the Insurer shall not pay for:
a) The first £70 of each and every claim per incident claimed for under each Section by each Insured Person.
b) The first £250 of each and every claim arising from the same incident under Sections A.4.2 rented accommodation (in respect of the use of rented temporary accommodation only) and F Legal Expenses.
No Policy Excess applies to Sections B - Personal Accident, C - Loss of deposit only, D - Travel Delay and E(v) - Temporary loss of baggage.
The Insurer shall not pay unless agreed in writing on behalf of the
Insurer, for any claim arising out of:
1. (a) Mountaineering or climbing, pot-holing, motorised competitions or races, sports tours or travelling by motorcycle (other than in respect of motorcycles up to 125cc hired or borrowed during the Period of Insurance and all Insured Persons are wearing crash helmets) or Winter Sports, unless the appropriate premium has been paid and shown on the validation certificate, excluding ski racing, ski jumping, ice hockey or the use of bobsleighs or skeletons. (b) Any activity in the air, (other than as a passenger in a fully-licensed passenger-carrying-aircraft, bungee jumping and parasailing).
NOTE: The exclusions shown are not applicable to cancellation claims under Section C.
(c) wilful exposure to needless danger (other than in an attempt to save human life).
2. Any form of stress or anxiety. 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, invasion, act of foreign enemy, hostilities (whether declared or not), civil war, civil commotion, rebellion, revolution, insurrection, military force, any act of Terrorism where you are actively engaged and/or where you have travelled and/or you remain contrary to Foreign & Commonwealth Office travel advice.
6. The utilisation of nuclear, chemical or biological weapons of mass destruction.
For the purposes of this exclusion;
Utilisation of nuclear weapons of mass destruction means the emission, discharge, dispersal, release or escape of fissile material emitting a level of radioactivity capable of causing incapacitating disablement or death amongst people or animals.
Utilisation of chemical weapons of mass destruction means the emission, discharge, dispersal, release or escape of any solid, liquid or gaseous chemical compound which, when suitably distributed, is capable of causing incapacitating disablement or death amongst people or animals.
Utilisation of biological weapons of mass destruction means the emission, discharge, dispersal, release or escape of any pathogenic (disease producing) micro-organism(s) and/or biologically produced toxin(s) (including genetically modified organisms and chemically synthesised toxins) which are capable of causing incapacitating disablement or death amongst people or animals.
Radioactive contamination of any description however caused.
7. 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.
8.(a)Unless the Insurer provides cover under this insurance, any other loss, damage or additional expenses following on from the event for which the Insured Person is claiming. Examples of such loss, damage, or additional expense would be the cost of replacing locks after losing keys, costs incurred of preparing a claim, or loss of earnings following bodily injury or illness.
(b) Any costs for (i) telephone calls (other than the first call to Specialty Assistance to notify them of a medical problem requiring hospitalisation, (ii) taxi fares (unless a taxi is being used in place of an ambulance to take you to or from a hospital) or (iii) food and drink expenses (unless these form part of your hospital costs if you are kept as an inpatient).
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:
either A) At the time of taking out this policy:
i) Any Pre-existing Medical Condition unless you have contacted the medical helpline on 0844 826 2686 and the Insurer has agreed to provide cover and you have paid the additional premium required.
ii) Any Medical Condition that the Insured Person or any other person not necessarily travelling but upon whom travel depends such as a Close Relative has received a terminal prognosis.
iii) Any Medical Condition the Insured Person is aware of but which has not had a formal diagnosis.
iv) Any Medical Condition for which the Insured Person or any other person not necessarily travelling but upon whom travel depends such as a Close Relative 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 unless the Insured Person has been given the Insurer’s written agreement.
or 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 surgery, treatment or investigations for which you intend to travel outside your normal country of residence to receive (including any expenses incurred due to the discovery of other Medical Conditions during and/or complications arising from these procedures.
iii) Any Medical Condition for which the Insured Person or any other person not necessarily travelling but upon whom travel depends such as a Close Relative is not taking the recommended treatment or prescribed medication as directed by a Medical Practitioner.
iv) Pregnancy when you are expected to give birth within two
months of the return date of your trip.
10. Any Insured Person’s travel to a country, specific area or event to which the Travel Advice unit of the British Foreign and Commonwealth Office or the World Health Organisation has advised all, or all but essential travel, unless agreed on behalf of the Insurer.
11. Any search and rescue costs or ship to shore rescue costs (cost charged to you by a Government, regulated authority or private organisation concerned with finding and rescuing an individual). This does not include medical evacuation costs by the most appropriate transport.
12. Private medical treatment unless authorised by Speciality
Assistance.
SECTION A.
MEDICAL EXPENSES & PERSONAL LIABILIT Y
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 pay:
i) normal and necessary receipted expenses of emergency 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 necessar y on medical grounds and authorised by the Emergency Medical Service (Specialty Assistance 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 the Emergency Medical Service (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. In Patient 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 Benefit. 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 In Patient 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 their normal country of residence.
EXCLUSIONS APPLICABLE TO SECTION A1, A2 and A3
The Insurer shall not pay for any claim:
1. arising from travel against any health requirements stipulated by the carrier, their handling agents or any other public transport provider.
2. arising from a Pre-Existing Medical Condition unless the Insurer has agreed to provide cover and you have paid the additional premium required.
3. 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.
4. for medical expenses incurred in an Insured Person’s country of residence.
5. not verified by a medical report obtained whilst travelling.
6. for elective or cosmetic surgery, unless deemed medically necessary and agreed by the Emergency Medical Service (Specialty Assistance).
7. for dental treatment to provide, replace or repair caps, crowns or bridges other than for the relief of pain and suffering.
8. for any form of treatment or surgery which in the opinion of the doctor in attendance and the Emergency Medical Service (Specialty Assistance) can be reasonably delayed until the Insured Person’s return to their country of residence.
9. Any medical treatment and associated costs you have to pay when you have refused curtailment.
4. Personal Liability. Up to £2,000,000
The Insurer will pay the Insured Person up to the Sum Insured against all costs the Insured Person 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 pay for any claim arising out of:
1. the ownership, possession or use of any aircraft, yachts or mechanically propelled vehicle including watercraft.
2. 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).
3. any wilful or malicious act.
4. the pursuit of any trade, business or profession.
5. bodily injury, death or illness of the Insured Person or any member of the Insured Person’s Close Relatives or Dependant Business Partner.
6. liability assumed under agreement unless such liability would have attached notwithstanding any such agreement, such as hire agreement.
7. the Insurer will not pay more than £2,000,000 for damages payable for any claim or claims arising from one event.
8. the ownership or use of any firearm or weapon.
9. animals belonging to you or in your care or custody.
SECTION B. PERSONAL ACCIDENT Up to £25,000
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 sight . . . . . . . . . . . . . . . . . . . . . . . . . . . £25,000
3. Loss of one or two limbs, or. . . . . . . . . . . . . . . . . . . . . £25,000
4. Permanent total disablement. . . . . . . . . . . . . . . . . . . £25,000
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 £25,000.
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 sight: total and irrecoverable loss of sight which shall be considered as having occurred:
a) in both eyes if your name is added to the Register of Blind Persons on the authority of a fully qualified ophthalmic specialist.
b) in one eye if the degree of sight remaining after correction is 3/60 or less on the Snellen Scale.
Permanent total disablement: bodily injury other than the above which totally incapacitates the Insured Person from engaging in or attending to any relevant occupation 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.
SECTION C. CANCELLATION or CURTAILMENT Up to £3,000
Unless the appropriate additional top up premium has been
paid and is shown on your validation certificate.
Should an Insured Person necessarily have to cancel the projected journey before commencement or curtail it by returning to their normal country of residence before completion, 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 initial 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:
a) for Cancellation prior to depar ture any Irrecoverable Payments and Charges (whether paid or contracted to be paid) for travel, accommodation, tours or excursions up to the Sum Insured, for any of the above reasons.
b) for Curtailment after initial departure a pro-rata proportionate refund of inclusive tour costs, or alternatively the original value of unused air tickets up to the Sum Insured, for any of the above reasons.
NOTE: Where an Insured Person is not travelling on a pre-paid or fixed itinerary then additional travelling expenses shall be deemed to be those costs in excess of normal tourist class air fares. Your claim will be based soley on the number of complete days not used. Where return to a person’s normal country of residence is necessary in an emergency situation an Insured Person should contact the Emergency Medical Service (Specialty Assistance) who may be able to assist in having existing air tickets amended.
EXCLUSIONS APPLICABLE TO SECTION C
The Insurer shall not pay for any claim:
1. arising from travel against any health requirements stipulated by the carrier, their handling agents or any other public transport provider.
2. arising from a Pre-existing Medical Condition unless the Insurer has agreed to provide cover and you have paid the additional premium required.
3. for unused portions of the Insured Person’s ticket, where repatriation has been arranged at the expense of the Insurer.
4. If you have to cut short your trip and do not return to your normal country of residence, Insurers will only pay for the equivalent costs which you would have incurred had you returned to the United Kingdom.
5. arising from being unable to continue with your travel due to your failure to obtain the passport or visa you require for your trip.
6. arising from a disinclination to travel.
SECTION D. TRAVEL DELAY
1. Delayed Departure or Arrival
The Insurer will pay each Insured Person up to the limits shown below if the departure of the aircraft, train or sea vessel in which the Insured Person has arranged to travel is delayed for at least 12 hours from the departure time specified in the travel itinerary, or if the arrival of the aircraft, train or sea vessel at destination is at least
12 hours later than the time specified in the travel itinerary, due to Strike, Industrial Action, disruption, Terrorism, adverse weather conditions, or mechanical breakdown of the aircraft, train or sea vessel.
The Limits
The Insurer will pay either:
a) £25 compensation for each complete 12 hour period of delay commencing from the original booked departure time or arrival time specified in the travel itinerary up to £100 each Insured Person, or
b) if the Insured Person elects to cancel the whole travel itinerary prior to departure. Irrecoverable Payments and Charges made for the travel, accommodation and other costs up to £1,000 each Insured Person.
2. 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
£3,000.
3. Failure of Transport Connections in the United Kingdom
If the Insured Person arrives at the point of international departure in the United Kingdom too late to commence the booked travel as the result of failure of scheduled public transport services in the United Kingdom due to inclement weather, Strike or Industrial Action, Terrorism, disruption, or mechanical breakdown, or as a result of an accident to the motor vehicle in which the Insured Person is travelling to the point of departure, the Insurer will pay up to £300 for additional travel and accommodation only expenses necessarily incurred by the Insured Person in order to reach the booked destination.
EXCLUSIONS APPLICABLE TO SECTION D
The Insurer shall not pay for any claim arising directly or indirectly from:
1. Strike or Industrial Action, Terrorism, disruption, war, invasion, riot, or civil commotion in existence or publicised at the time of effecting the Insurance.
2. the withdrawal from service (temporary or otherwise) of an aircraft or train or sea vessel on the recommendation of a Port Authority or the Civil Aviation Authority or of any similar body.
SECTION E. PERSONAL EFFECTS
The Insurer will pay for the Loss, Theft or Damage to:-
i. Accompanied personal luggage, clothing or effects belonging to the insured person. Up to £2,000
The amount payable will be the value at today’s prices less deduction for wear, tear and depreciation.
ii. Personal Monies. Up to £500. Cash, Bank or Currency notes, including reasonable expenses incurred as a result of loss, theft or damage.
iii. Tickets. Up to £1,000. Air or other tickets including reasonable expenses incurred as a result of loss, theft or damage.
iv. 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.
v. Temporary Loss of Baggage up to £100. 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 pay the Insured Person up to £100 supported by receipts, but this will be deducted from the final claim if the loss is permanent.
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 maximum the Insurer will pay 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, including DVDs, electronic games and music discs 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.
4. There is a maximum limit of £350 in respect of Valuables.
5. Payment 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.
6. Claims for loss, theft or damage to spectacles or sunglasses are limited to £100 per pair.
7. The Insured Person’s failure to comply with local authority advice when checking in luggage may result in a claim being reduced or declined.
EXCLUSIONS APPLICABLE TO SECTION E and G
The Insurer shall not pay 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 kite/surf boards or mobile telephones. Winter sports equipment is excluded unless the appropriate premium has been paid.
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 whilst travelling overseas to the Police or other relevant authority and a written statement obtained in confirmation.
5. the breakage of fragile articles and the consequence thereof unless caused by fire or accident to a means of conveyance. For example your clothes or camera being damaged by a spillage.
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 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.
SECTION F. LEGAL EXPENSES Up to £15,000
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 pay 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, travelling companion, Close Relative or the Insurer or their representatives.
2. legal expenses incurred prior to the granting of support by the
Insurer or without their written consent.
3. 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.
LEGAL EXPENSES CLAIMS
If an Insured Person suffers a personal injury and wishes to claim against the person who caused it they may telephone Campbell Irvine Limited on 0207 938 1734 for guidance.
SECTION G. WINTER SPORTS EXTENSION
Applicable only if the appropriate premium has been paid and shown on the validation certificate and in addition to the cover granted under all other sections of this Insurance.
Ski Equipment up to £350
The Insurer will pay up to the Sum Insured 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.
NOTE: Claims will in any event be settled on the basis of 20%
depreciation each year for such items.
Ski Hire up to £200
The Insurer will pay up to the Sum Insured 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 pay up to the Sum Insured 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 pay up to the sum insured 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 pay 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, 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.
4. the loss, theft or damage of skis or ski poles over five years old.
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.
7. Piste Closure is not covered outside the months that constitute the local regular ski season.
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.
ANNUAL MULTI TRIP TRAVEL INSURANCE
Where this Insurance is being issued as an Annual Multi Trip Travel Policy and the appropriate premium has been paid and is shown on the validation certificate, it is agreed by the Insurer to cover all trips made by the Insured Person(s):
a) to a destination outside of the United Kingdom, anywhere in the
World.
b) within the United Kingdom if such trip includes at least two nights pre-booked accommodation.
Subject to the following:
1) The maximum duration of any one trip shall not exceed 70 days, limited to 31 days if aged 66 to 69 years at date of payment of premium. Any trip which at the commencement of the insurance is known to be longer than the maximum duration of any one trip, is not insured for any part of such trip.
2) Each trip shall be deemed to be a separate insurance subject to the terms, conditions, limitations and exclusions contained herein.
3) Children are not insured unless named on the policy and reside permanently with a parent who is the principle Insured Person. Children are deemed to be 18 years or less at the date of payment of insurance premium.
4) Cover may be granted under the insurance for WINTER SPORTS up to a total of 30 days in all during the period of this insurance subject to the appropriate additional premium having been paid and shown on the validation certificate. Please note if you wish to enquire about amending or extending the cover provided by this policy after the date of purchase, please contact the company you purchased your insurance from.
5) Annual Multi Trip Travel Insurance is not available for any person aged 69 years or more at the date of payment of insurance premium.
RECIPROCAL HEALTH CARE
Should you require medical treatment in Australia you MUST enroll with MEDICARE www.medicare.gov.au. 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 SPECIALT Y ASSISTANCE and their authority obtained in
ACTIVITIES AUTOMATICALLY INCLUDED AT STANDARD PREMIUMS
The following recreational and non-professional (amateur) activities are automatically covered under the standard terms of this Campbell Irvine Travel Insurance Policy. To establish if cover can be provided for any professional or competitive activities, please refer to Campbell Irvine for a quotation, as an additional premium may be payable. 0844 826 2722
CLAIMS CHECKLIST
The following documentation will be required by the Claims Handlers, in order that a claim may be processed. Originals will be required, as settlement cannot be made with photocopied documents.
For all sections of cover you will be required to submit:
a) your validation certificate confirming proof of payment of insurance premium where applicable.
b) Your travel confirmation booking invoice (showing your itinerary
respect of any treatment not available under MEDICARE before such treatment is provided. Your failure to contact Specialty Assistance may result in a claim being reduced or declined.
Should you require medical care in Europe, a European Health Insurance Card (EHIC) entitles the Insured Person to reduced-cost, sometimes free, medical treatment that becomes necessary whilst travelling in a European Economic Area (EEA) countr y or Switzerland. The EEA consists of the European Union (EU) countries plus Iceland, Liechtenstein and Norway. An EHIC can be obtained by completing an application form available from your local Post Office or by following the online information at www.dh.gov.uk/travellers .
GEOGRAPHICAL AREAS
Area 1: UNITED KINGDOM Area 2: EUROPE
Europe means the continent of Europe West of the Ural Mountains, and also countries bordering the Mediterranean, plus Iceland, Jordan, Madeira, the Canary, Azores and Mediterranean Islands.
Area 3: WORLDWIDE excluding North America
North America means the USA & Canada
(a) For any period of cover purchased Area 3 can include a singleday/ night stop-over anywhere in the World for both outward and return travel.
(b) If the period of cover purchased is two months or more Area 3 can be extended to include a maximum of six days/ nights anywhere in the World.
Area 4: WORLDWIDE including North America
United Kingdom Only:
Whilst insurance is available for holidays in the UK the Medical and Additional Expenses, In Patient Benefit and Criminal Injuries Benefit sections of the policy shall be inoperative.
Abseiling/Rap Jumping (supervised)
Aerobics Athletics Archery Backpacking
Baseball/Rounders/Softball Battle Re-enactment Banana boating
Basketball Boogie boarding Bouldering
Bowls
Breathing Observation/Bubble
Diving
Bridge Walking
Bungy jumping (maximum 2 jumps) Canoeing/Kayaking (fresh water/sea)
Canyoning/Kloofing
Cricket
Curling
Cycling (cycles not covered) Drag Hunting
Dune/Wadi Bashing
Falconry
Fell/Gorge Walking
(on recognised routes) Fell/Gorge Running
(on recognised routes) Fencing
Field Hockey
Fishing (Course/Fly/Deep-sea) Football (Soccer)
Go Karting
Golf
Gorge Swinging
Gymnastics
Guided Glacier Walking
Hot Air Ballooning (as passenger only)
Horse Riding or Riding other animals
Hurling
Hydro Speeding
Jet Boating
Jet Skiing
Mountain Boarding
Netball
Non-Manual Work
Orienteering
Outward Bound Pursuits Overland travel Paintballing Parascending/Parasailing Racquet Sports
Roller Blading/Ice Skating
Rowing Running/Jogging Safari/Gorilla Trekking
Safari Travel (in a vehicle or on foot) Sailing
Scuba Diving (up to 40 metres in depth) excluding solo diving Shark cage diving
Shooting
Snorkelling
Surfing (surf boards excluded from policy)
Swimming
Table Tennis
Tall Ship Crewing Trampolining Trekking/Rambling/Hiking (Recognised routes only) Triathlon
Tug of War Tubing Volley Ball
Volunteering/Community Work Wall Climbing (Man made Climbing Walls)
Wake Boarding/ Water Skiing Water Polo
White/Black Water Rafting or
Canoeing
Windsurfing (boards not covered) Zorbing
and dates of travel)
CANCELLATION OR CURTAILMENT
Your Cancellation Invoice
Completed Medical Certificate if Cancellation for medical reasons
(which can be found on the claim form) Original Air Tickets
Copy of Death Certificate (if applicable) Redundancy letter (if applicable)
Evidence from treating doctor confirming curtailment was medically necessary (Curtailment only)
LUGGAGE AND PERSONAL MONEY
Receipts or other evidence to support ownership and value for the items claimed
Airline or other Tickets and Baggage Check Tags
A written report from the person/company to whom the loss was reported whilst travelling overseas (e.g. Police Report)
Proof of date and time baggage was returned to you (Baggage Delay
Claims only)
Evidence to support damage (e.g. Repairers report of total loss or damage and current price)
MEDICAL EXPENSES
Original Receipts
Medical Evidence to support nature of illness or injury
Evidence of Hospital admission and discharge
Original Travel Tickets
Additional Travel Tickets (if applicable)
TRAVEL DELAY/ MISSED DEPARTURE
Original Air Tickets
Replacement tickets and invoices /receipts
A letter from the airline (or similar) confirming the scheduled and actual time of departure including the official cause of the delay
Data Protection
This insurance is underwritten by IICH. 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 IICH group (or companies acting on their instructions) including those located outside the European Economic Area.
GREEN PAPER
Our responsibility to the environment star ts here. We guarantee that the paper we use is wood-free and made from ECF (elemental chlorine free) pulp only from sustainable forests and is FSC certifed.
ECF = this defines paper that is made from virgin or recycled fibre and bleached using alternative chlorine compounds as a substiture for elemental chlorine
Some facts which you may find interesting.
•Most people understand that using recycled products is good for the environment but do you know how it’s done?
•Using recycled paper diverts waste away from landfill sites
•Generally, producing recovered fibre uses less water, energy and causes less pollution.
Recovered Fibre is made by:
Collection. Sorting. Pulping. Cleaning. De-inking. Paper Making.
Once the waste has been collected and sorted, it needs to be turned back into pulp. This is done in what is a bit like a giant food mixer, which mixes up the paper with water and at the same time gathers up any strips of plastic, wire or banding, so that they can be removed. The higher quality the end-use, the more cleaning will be required. De-inking is usual performed through ‘flotation’ de-inking. This uses heated water and soap to remove the ink from fibre. The ink/soap is then captured by air bubbles, which rise to the surface and are skimmed off. So it is not the case that the ink is bleached out of the fibre, although bleaching will be used for higher quality grades to provide an uniform, white colour.
Then the fibres can be again made into paper and the process can be repeated, although individual fibres can only be recycled 5-7 times before they become too short to be useful.
IMPORTANT CONTACT NUMBERS
24 Hour Overseas Medical Emergency Assistance
+44 (0) 20 7902 7405
Specialty Assistance
Pre Departure Medical Screening helpline
0844 826 2686
For general enquiries, including if you wish to amend or extend the cover provided by this policy after the date of purchase, please contact
Campbell Irvine Ltd on 0844 826 2722
Request a Claims Form 0844 826 2644
or www.csal.co.uk
PLEASE NOTE: Cover is excluded for any
Pre-Existing Medical Condition. If in doubt call our medical helpline, in confidence on
0844 826 2686
TRAVEL INSURANCE
IN THE EVENT OF A MEDICAL EMERGENCY
Please call Specialty Assistance
24 Hour Emergency Medical Ser vice
Tel: +(44) (0) 20 7902 7405
Fax: +(44) (0) 20 7928 4748
BE PREPARED TO GIVE:
1. Insurance Policy Number.
2. Details of problem including name and address of patient and nature of illness/accident.
3. Name and telephone number of hospital and attending doctor.
4. Details of usual Doctor/General Practitioner.
Please do NOT use the Emergency Service for casual enquiries.
All other claims should be addressed to:
Claims Settlement Agency Ltd
308-314 London Road, Hadleigh, Essex SS7 2DD
Tel: 0844 826 2644
Fax: 0844 826 2645
Email: info@csal.co.uk www.csal.co.uk
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