EUROPEAN TRAVEL INSURANCE - A guide to your Silver travel insurance
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EUROPEAN TRAVEL INSURANCE A guide to your Silver travel insurance
Contents European Travel Insurance 2 Section D – Personal accident and travel accident cover 23 Policy summary 2 Section E – Baggage and baggage delay 24 Travel Insurance policy 8 Section F – Personal money and travel documents 25 Your travel policy 13 Section G – Personal liability 26 Upgrades 13 Section H – Delayed departure 26 Telephone number checklist 14 Section I – Missed departure 27 General conditions applicable to the whole policy 15 Sections J, K, L and M – Winter sports 28 Making a claim 15 Section N – Overseas legal expenses and assistance 30 Exclusions 16 Section O – Wedding/Civil partnership cover 31 Emergency and medical service 18 Section P – Business travel 32 Section A – Cancellation or curtailment charges and Section Q – Travel disruption cover 33 early return 19 Section R – Disability benefit following road traffic Section B – Emergency medical, additional accident in New Zealand 37 accommodation and travelling costs 20 Section S – Personal assistance services 38 Section C – Hospital benefit 22 Complaints procedure 40
Your travel insurance policy
You’ll find everything you need to know about your travel insurance cover in these
pages – from what to do in an emergency to the important terms and conditions
This booklet is your policy document and also Summary of the main benefits To manage your travel cover online go to the
your proof of cover. You can download the
latest version at lloydsbank.com/silver, and
• European travel up to 45 days per trip. Account Benefits tab in Internet Banking or
visit lloydsbankavatravelinsurance.com
you should take it with you when you travel. • Cover for you and your partner.
If you have, or have had a medical condition, • No limit on the number of trips each year. You can manage your cover whenever it
suits you. Online you can:
you will not be covered for claims arising from • New-for-old replacement on lost or stolen
it. Please refer to page 16 for details of the baggage under two years old. • See and print your travel
insurance documents.
exclusions relating to your health.
• A wide range of upgrade options including
Also, please note that this insurance does
winter sports and worldwide cover. • Upgrade your cover.
not cover people aged 65 or over.
Please see page 14 for contact details.
• Update your personal information.
Terms and conditions for your Silver • Register a claim.
Account can also be found online at
lloydsbank.com/silver
1European Travel Other upgrade options of worldwide cover, golf
equipment, winter sports cover, wedding/civil
Significant features and benefits
Insurance partnership cover, disability benefit following road
traffic accident in New Zealand, additional adult or child,
Emergency and medical services
excess waiver, family travel or trip extension may also • Medical expertise to arrange medical assistance
be included – your upgrade schedule will show if you or transport home following an accident or illness
Demands and needs statement selected these options. or if you are informed of a serious illness of a
close relative at home whilst on holiday.
This product meets the demands and needs of Exclusions relating to your health
those under 65 years of age travelling abroad in Section A – Cancellation or curtailment
respect of medical and other similar expenses It is essential that you refer to the ‘Exclusions relating
charges and early return
throughout the duration of the policy. to your health’ section in the policy document as these
terms may affect your cover: • Unavoidable or necessary cancellation or curtailment
of the trip or early return home and
Policy summary You will not be covered for any claims arising from a
medical condition: (if the situation permits) the costs of transporting
you back to your resort before completion due to
This policy summary does not contain full details • which at the time of opening your Silver Account,
death, bodily injury or illness, compulsory quarantine
and conditions of your insurance – these are located or when booking any trip you have, have had or are
in your travel policy from page 8 onwards. or jury service, redundancy, withdrawal of leave for
aware of (whether diagnosed or not);
members of the armed forces or emergency services,
AXA Insurance • you have in respect of which a medical practitioner the Police requesting you to return to or remain at
has advised you not to travel or would have done if your home due to serious damage to your home
Benefits under this policy are underwritten by AXA
you had sought advice; exceeding £1,500 caused by fire, aircraft, explosion,
Insurance UK plc.
• you have and for which you are not taking the storm, flood, subsidence, malicious persons or theft.
Type of insurance and cover recommended treatment; The maximum we will pay under this section is £5,000
Travel insurance for trips taken anywhere in Europe • for which you travel with the intention of per person.
(see Definitions in the policy wording) whilst your obtaining treatment;
Section B – Emergency medical
Silver Account is in force. Some winter sports or other • for which you travel against any health requirements and other expenses
hazardous sports or activities may also be included stipulated by the public transport provider.
– your upgrade schedule will show if you selected • Medical, surgical, hospital, ambulance and nursing
Conditions fees up to £10,000,000 outside your home area.
these options.
• Special conditions apply to each section of your
policy – please refer to the policy wording for
full details.
2• Emergency dental treatment for pain relief up to • Up to £250 for the replacement of essential items if Section I – Missed departure
£1,000 incurred outside your home area. your baggage is lost or misplaced and not returned
• Up to £1,000 for additional room only
• Reasonable cost of funeral expenses abroad up to for more than 12 hours on the outward journey. accommodation and travel expense due to
£1,000 plus the reasonable cost of conveying the • Accidental loss, theft or damage to golf equipment the failure of public transport or an accident or
ashes or body home. (your upgrade schedule will show if cover for golf breakdown of the vehicle you are travelling in
• Reasonable additional transport or accommodation equipment is operative) up to £1,500 with up to or strike.
expenses incurred if it is medically necessary for you £175 for the emergency replacement or hiring of
to stay beyond your scheduled return date. golf equipment. Sections J, K, L and M – Winter sports – your
upgrade schedule will show if you purchased
Section C – Hospital benefit Section F – Personal money and travel documents this option
• £50 for every completed 24 hours in patient hospital • Accidental loss, theft or damage to personal money • Section J – Ski equipment. Up to £300 for the loss,
stay up to a maximum of £1,000. and travel documents up to £500 (including currency theft of or damage to your own ski equipment
up to £300) – please refer to ‘Definitions’ in the policy subject to a maximum of £300 for any one article,
Section D – Personal accident and travel
wording for the definition of ‘Personal Money and pair or set of articles or up to £200 for hired
accident cover
Travel Documents’. ski equipment.
• Up to £15,000 for death, £30,000 for loss of limb or
•
sight and permanent total disablement increased to
Up to £200 for reasonable additional costs for travel • Section K – Ski pack. Up to £5,000 for the unused
and accommodation incurred whilst obtaining a portion of your ski pack following your bodily injury or
up to £100,000 for death or disablement caused by
replacement passport or visa abroad. illness and up to £150 for the unused portion of your
an accident involving public transport on which you
lift pass if lost. The combined total amount payable
were travelling provided the full cost of the Public Section G – Personal liability
under Section A – cancellation or curtailment
Transport has been charged to your Lloyds Bank
credit or Visa debit card, subject to age – please refer
• Personal liability for any compensation you become charges and early return, Section K – Ski pack and
legally liable to pay up to £2,000,000. Section Q – Travel disruption cover will be no more
to policy wording for full details of the cover available.
than £5,000.
Section H – Delayed departure
Section E – Baggage and baggage delay
• Delayed departure for at least 12 hours from the • Section L – Piste closure. Up to £15 per day,
• Accidental loss, theft or damage to baggage
scheduled departure time (reduced to six hours for
up to a maximum of £150 for the cost of transport
(excluding golf equipment) up to £2,500. Up to £500 organised by your tour operator to an alternative
trips of three nights or less). £30 for the first complete
for any one article, pair or set of articles and up to site if snow conditions result in total closure of
12 or six hours delay and £20 for each completed 12
£500 for all valuables – please refer to ‘Definitions’ in skiing facilities. If no alternative sites are available
hours following, up to a maximum of £250.
the policy wording. we will pay you compensation of £15 per day up to a
• Up to £5,000 for any irrecoverable travel and other maximum of £150.
pre-paid charges if you choose to cancel your trip
once 12 hours has elapsed.
3• Section M – Hire of ski equipment. Up to £20 per Section Q – Travel disruption cover Section R – Disability benefit following road traffic
day, up to a maximum of £300 for the cost of hiring Before you reach your destination: accident in New Zealand – your upgrade schedule
ski equipment following the loss, theft of or damage will show if you purchased this option
• Up to £5,000 (including excursions up to £250) for
to your own ski equipment – your upgrade schedule
will show if you purchased this option.
cancellation or abandonment of your trip after • £250 per week for temporary total disablement if
12 hours delay or additional expenses to reach you sustain bodily injury as a result of a road traffic
Section N – Overseas legal expenses and assistance your destination. accident while travelling in a hire car in New Zealand,
subject to age – please refer to policy wording for full
• Legal expenses and costs in pursuit of a civil action • Delayed departure compensation up to £250
details of the cover available.
up to £25,000 if someone else causes you injury, (£30 after 12 hours reduced to six hours for trips
illness or death. of three nights or less and £20 per 12 hours Section S – Personal assistance services
Section O – Wedding/Civil partnership cover –
delay thereafter).
• Up to £250 towards administration and delivery
your upgrade schedule will show if you purchased • Missed departure expenses up to £1,000. costs for a range of services, such as transfer of
this option While you are at your destination: emergency funds and tracing lost baggage – please
refer to the policy wording for full details of the
• Accidental loss, theft or damage to certain items • Alternative accommodation if your booked
services available.
forming part of your baggage. Up to £250 for accommodation cannot be used or abandonment
each wedding ring, up to £1,000 for wedding gifts of trip up to £5,000 (including up to £250 for
(including up to £150 for bank notes and currency excursions and £200 for taxis and hire cars). Significant or unusual exclusions
notes), up to £1,500 for wedding attire. On the way home: or limitations (please refer to
• Up to £750 for the reasonable cost incurred to • Additional accommodation if your booked
‘What is not covered’ under each
reprint/make a copy of or retake the photographs/ accommodation cannot be used or abandonment of
video recordings. trip up to £5,000 (including up to £250 for excursions section of the policywording for
Section P – Business travel – your upgrade
and £200 for taxis and hire cars). further details)
schedule will show if you purchased this option • Delayed departure compensation up to £250 (£30 • The standard excesses will be shown within your
after 12 hours reduced to six hours for trips of three
• Up to £1,000 for accidental loss, theft or damage to
nights or less and £20 per 12 hours delay thereafter).
policy wording. If you have purchased the excess
business equipment, subject to a maximum of £300 waiver upgrade option this will be shown on your
for any one article, pair or set of articles. • Missed departure expenses up to £1,000. upgrade schedule.
• Reasonable additional accommodation and • There is no cover for trips over 45 days in duration
travelling costs for a colleague to take your place unless you have purchased the trip extension to
in the event of your death, total disablement provide cover for longer trips. Your upgrade schedule
or hospitalisation. will show if you purchased this option.
4• You are only covered for travel within your home • Travel to a country, specific area or event which the • Expenses incurred as a result of any medical
area if you have pre-booked at least two consecutive Foreign and Commonwealth Office has advised condition where you have not had the
nights paid accommodation (at least five nights in against all travel or all but essential travel (except recommended inoculations and/or taken
the case of business travel). where cover is provided under subsections 1.c) and the recommended medication to prevent
• Cover under your policy will cease on the date you 5.c) of What is covered under Section Q – Travel that condition.
reach 65 years of age, you cease to live in the United disruption cover). • Treatment for cosmetic purposes.
Kingdom or when your Silver Account is closed or the Exclusions under Section A – Cancellation or Exclusions under Section C – Hospital benefit
policy is cancelled, whichever is the earlier. curtailment charges
• Expenses incurred as a result of any medical
General exclusions • Redundancy caused by misconduct, resignation, condition where you have not had the
• War risks, civil commotion, terrorism (except voluntary redundancy, entering into a compromise recommended inoculations and/or taken
under Section B – Emergency medical, additional agreement, or where you received a warning or the recommended medication to prevent
accommodation and travelling costs, Section notification of redundancy prior to the date you that condition.
C – Hospital benefit and Section D – Personal opened a new Silver Account or at the time of
booking any trip. Exclusions under Section E – Baggage and
accident and travel accident cover unless caused by
baggage delay
nuclear, chemical or biological attack), sonic bangs, • Any circumstances known prior to the date you
radioactive contamination. opened a new Silver Account or at the time of • Valuables or your passport left unattended at any
time unless in a hotel safe, safety deposit box or in
• There are a number of activities, practices and booking any trip that could reasonably be expected
your locked accommodation.
winter sports that are excluded – please see to give rise to a claim.
paragraphs 5, 6 and 7 in the general exclusions • Your reluctance to continue travelling unless the • Baggage contained in an unattended vehicle
section of the policy wording. Foreign and Commonwealth Office announces unless locked out of sight in a secure baggage area
(please refer to ‘Definitions’ in the policy wording
• Climbing on or jumping from vehicles, buildings or travellers should avoid the country or area.
for the definition of ‘Secure Baggage Area’) and
balconies regardless of the height. Exclusions under Section B – Emergency medical evidence of entry into the vehicle by forcible and
• Wilful, self inflicted injury, suicide, drug use or and other expenses violent means is available.
solvent abuse.
• The cost of private treatment unless authorised • Contact or corneal lenses, hearing aids, dental or
• You drinking too much alcohol resulting in a claim. specifically by AXA Assistance. medical fittings, ski equipment and other items are
• Unlawful actions and any subsequent legal • Treatment or surgery which in the opinion of excluded – see your policy wording for the full list.
proceedings brought against you. AXA Assistance can wait until your return to your • Business goods, samples or tools used in
home area. connection with your occupation.
• Medication, which prior to departure is known to
be required.
5Exclusions under Section F – Personal money and • Any claims arising from a trip solely within your • Baggage contained in an unattended vehicle
travel documents home area. (Cover is however available under unless locked out of sight in a secure baggage
Section Q – Travel disruption cover provided that
• Personal money left unattended at any time
you have pre-booked at least two consecutive
area (please refer to ‘Definitions’ in the policy
wording for the definition of ‘Secure Baggage
unless in a hotel safe, safety deposit box or in your
nights paid accommodation on a holiday or Area’) and evidence of entry into the vehicle by
locked accommodation.
pleasure trip, or at least five consecutive nights paid forcible and violent means is available.
• Loss or theft of Traveller’s Cheques where you have accommodation on a business trip).
not complied with the issuing agent’s conditions. • Contact or corneal lenses, hearing aids, dental
Exclusions under Sections J, K, L and M – or medical fittings, ski equipment and other
Exclusions under Section G – Personal liability Winter sports items are excluded – see your policy wording
• Pursuit of any trade, business or profession, or • Ski equipment contained in an unattended vehicle for the full list.
the ownership, possession or use of any vehicles, unless locked out of sight in a secure baggage area • Business goods, samples or tools used in
aircraft or mechanically operated watercraft. (please refer to ‘Definitions’ in the policy wording connection with your occupation.
for the definition of ‘Secure Baggage Area’) and
Exclusions under Section H – Delayed departure Exclusions under Section P – Business travel
evidence of entry into the vehicle by forcible and
• Strike or industrial action publicly known at the time violent means is available. • Business equipment left unattended at any
you made travel arrangements for the trip. time unless deposited in a hotel safe, locked
Exclusions under Section N – Overseas legal
• Any claims arising from a trip solely within your
expenses and assistance
accommodation or in the locked boot or
home area. (Cover is however available under covered luggage area of a motor vehicle.
Section Q – Travel disruption cover provided that • Expenses incurred in pursuit of any claim against a • Loss, theft or damage of films, tapes, cassettes,
you have pre-booked at least two consecutive travel agent, tour operator, carrier, AXA Insurance or cartridges, CDs, DVDs or discs other than the
nights paid accommodation on a holiday or AXA Assistance. market value.
pleasure trip, or at least five consecutive nights • Claims for compensation amounts of less than • Any loss or damage arising from manual work.
paid accommodation on a business trip). £1,000 per insured person.
Exclusions under Section Q – Travel
• Volcanic eruptions and/or volcanic ash clouds. • Claims occurring within the UK.
disruption cover
Exclusions under Section I – Missed departure Exclusions under Section O – Wedding/Civil • Any event that was already known about when
• Strike or industrial action publicly known by you at partnership cover you opened your account or booked your trip
the time you made travel arrangements for any trip. • Valuables, bank notes and currency notes left (whichever is the later).
• Volcanic eruptions and/or volcanic ash unattended unless deposited in a hotel safe, safety
clouds (except claims under subsection 1 of deposit box or your locked accommodation.
What is covered).
6• Any claim that occurs within the first seven days of Claim notification
opening your account or booking your trip (whichever
To make a claim please call Silver Membership Services
is the later) which relate to an event which was
on 08456 03 18 39.
occurring or you were aware could occur at the
time you opened your account or booked the trip
(whichever is the later). Making yourself heard
• Any claims arising whilst you are on a day-trip. Any complaint you may have should in the first
instance be addressed to the claims office or helpline
• The cost of Air Passenger Duty (APD) whether
as applicable.
irrecoverable or not.
If the complaint is still not resolved, you can approach
• Any lost or additional transport and accommodation
the Financial Ombudsman Service. Referral to the
cost if you are going on a package holiday except lost Financial Ombudsman will not affect your right to
pre-paid charges (such as airport parking) where these take legal action.
were arranged separately from your package holiday.
Full details of addresses and contact numbers can be
• Any expenses which could be claimed back from found within the ‘Complaints procedure’ section of
another source (for example, from your package the policy wording.
tour operator, airline, credit card provider etc.)
• Any alternative travel or accommodation expenses Financial Services Compensation
where your tour operator had offered you a
reasonable alternative. Scheme (FSCS)
AXA Insurance UK plc is covered by the Financial
Duration Services Compensation Scheme (FSCS). You may be
entitled to compensation from the scheme in the
This policy provides travel insurance for trips taken while unlikely event that they cannot meet their obligations
you are up to and including 64 years of age and whilst to you. This depends upon the type of insurance and
your Silver Account is in force. the circumstances of the claim. Further information
about the compensation scheme arrangements
Cancellation period is available from the FSCS. Contact them at
www.fscs.org.uk or call them on 020 7741 4100.
You are free to cancel this policy at anytime by closing
your Silver Account or changing it to a standard cheque
account. Please refer to page 15 of the policy wording
for full details.
7Travel insurance policy
This is Your travel insurance policy. It contains details
of cover, conditions and exclusions relating to each
Policy excess Data Protection Act Notice
Insured Person and is the basis on which all claims will Under most sections of the policy, claims will be subject To set up and administer Your policy We will hold
be settled. If You have purchased Upgrades these will to an excess. This means that You will be responsible for and use information about You supplied by You and
be validated by the issue of Your Upgrade schedule paying the first part of each and every claim per incident by medical providers. We may send it in confidence
which must be attached to the policy. unless the excess waiver has been purchased as shown for processing to other companies acting on Our
in Your Upgrade schedule. instructions including those located outside the
We will in the event of Bodily Injury, death, illness,
European Economic Area.
disease, loss, theft, damage, legal liability or other
specified events happening within the Period of Helplines Please note insurers exchange information with various
databases to help check the information provided and
Insurance provide insurance in accordance with the
Please carry this policy with You in case of prevent fraudulent claims.
operative sections of Your policy.
an emergency.
Any Upgrade schedule or endorsements issued to You
are all part of the policy. Fraud prevention
Your policy is evidence of the contract of insurance.
Policy information or advice To keep premiums low We do participate in a number of
If You would like more information or if You feel the industry initiatives to prevent and detect fraud. To help
insurance may not meet Your needs, telephone Silver
Premiums, fees and charges Membership Services on 0845 603 1839.
prevent crime We may:
Lloyds Bank collects Your premiums on behalf of AXA 1. Share information about You with other
Insurance which include Insurance Premium Tax (IPT) at organisations and public bodies including the police.
the current rate.
AXA Insurance
2. Share information about You within the AXA Group
Benefits under this policy are underwritten by AXA
There are no additional fees or charges in respect of AXA and with other insurers.
Insurance UK plc. Registered in England No. 78950.
Insurance or insurance related services.
Registered Office: 5 Old Broad Street, London EC2N 1AD. 3. Pass Your details to recognised centralised
AXA Insurance UK plc is authorised by the Prudential insurance industry applications and claims review
United Kingdom residents Regulation Authority and regulated by the Financial systems (for example the Travel Claims Database)
Conduct Authority and the Prudential Regulation where Your details may be checked and updated.
This policy is only available to You if You will be living in
Authority under registration number 202312.
the United Kingdom for at least six months during each 4. Check Your details with fraud prevention agencies
12 month period following the opening of Your Lloyds This can be checked on the Financial Services Register
and databases. If You give Us false or inaccurate
Bank Silver Account. by visiting the FCA’s website at www.fca.org.uk
information and We suspect fraud, We may record
or by contacting them on 0800 111 6768.
this with fraud prevention agencies.
85. Search records held by fraud prevention and credit Definitions We/Us/Our
agencies to:
Any word or expression to which a specific meaning has
• means AXA Insurance UK plc. Benefits under this
policy are underwritten by AXA Insurance UK plc.
a. Help make decisions about credit services for You been attached will bear the same meaning throughout Registered in England No. 78950. Registered Office:
and members of Your household. this policy. For ease of reading the definitions are 5 Old Broad Street, London EC2N 1AD, authorised by
highlighted by the use of bold print and will start with a the Prudential Regulation Authority and regulated
b. Help make decisions on insurance policies and
capital letter. by the Financial Conduct Authority and the
claims for You and members of Your household.
Wherever the following words and phrases appear in Prudential Regulation Authority under registration
c. Trace debtors, recover debt, prevent fraud and to this policy they will always have these meanings: number 202312.
manage Your insurance policies.
You/Your/Yourself/Insured Person Baggage
d. Check Your identity to prevent money laundering. • means each person travelling on a Trip who is; • means luggage, clothing, personal effects,
Valuables, Golf Equipment and other articles
6. Undertake credit searches and additional a. In the case of a Joint Account; the holders of the
which belong to You (or for which You are legally
fraud searches. Silver Account (plus each of their children aged
responsible) which are worn, used or carried by You
under 12 months when travelling with them or a
during any Trip.
responsible adult) and:
Your travel insurance checklist Bodily Injury
–– Each Account holder’s spouse, civil partner or
Before You travel, You should ask Yourself the following:
partner (who are covered to travel on their own); • means an identifiable physical injury sustained by
• Will Your Trip last more than 45 days?
–– or (where there is no spouse, civil partner or
You caused by sudden, unexpected, external and
visible means. Injury as a result of Your unavoidable
• Do you need Family Travel or Winter Sports cover? partner) one of that Account holder’s unmarried exposure to the elements shall be deemed to have
• Will You be travelling outside of Europe (see financially dependent children under the age been caused by bodily injury.
Definitions in the policy wording for the definition of 18 in full-time education and travelling with
of ‘Europe’)? them or a responsible adult; or Business Equipment
In order to travel You must be: b. In the case of a Single Account; the Silver Account
• means items used by You and which belong to You
in support of Your business activity including office
• Healthy, fit to travel and to undertake Your holder (plus each of their children aged under
equipment which is portable by design including, but
planned Trip. 12 months when travelling with them or a
not restricted to, personal computers, telephones
responsible adult) and one of the following persons:
• NOT travelling against medical advice or with the and calculators.
intention of obtaining medical treatment abroad. –– The Account holder’s spouse, civil partner or
Business Trip
partner (who are covered to travel on their own);
Upgrades are available, please refer to Your Travel • means a Trip taken wholly or in part for business
Policy section of this document. Upgrades must be –– or (where there is no spouse, civil partner or purposes but excluding manual work.
purchased before You travel. Please refer to page 13 partner) one of the Account holder’s unmarried
of the policy wording for full details. financially dependent children under the age
Please refer to the ‘Exclusions’ section of this policy of 18 in full-time education and travelling with
on pages 16–18. them or a responsible adult.
9Close Business Associate Curtailment claims under paragraph b. will only be Estonia
• means any person whose absence from business paid for the ill/injured/quarantined/confined Insured Finland including Lapland
for one or more complete days at the same time as Person, but where We or AXA Assistance agree for France
Your absence prevents the proper continuation of another Insured Person (including any children Fuerteventura
that business. travelling with them) to stay with You, We will also Georgia
pay for that Insured Person’s proportion of any travel Germany
Close Relative and accommodation costs and expenses (including Gibraltar
• means mother, mother-in-law, father, father-in-law, excursions up to £250) they have incurred, but not used, Greece
sister, sister-in-law, brother, brother-in-law, wife, by remaining with You. Hungary
husband, civil partner, daughter, daughter-in-law, Ibiza
son, son-in-law, grandparent, grandchild, step parent, Early Return Iceland
step child, step sister, step brother, foster child, • means Your need to make an unscheduled early Isle of Man
partner or fiancé/fiancée of an Insured Person. return journey Home during Your Trip. Italy
Curtailment /Curtail/Curtailed Europe/European La Gomera
• means either: • means: La Palma
Albania Lanzarote
a. You abandoning or cutting short the Trip after Latvia
Andorra
You leave Your Home (or for a Business Trip Your Liechtenstein
Armenia
place of business) by direct early return to Your Lithuania
Austria
Home or place of business, in which case claims Luxembourg
Azerbaijan
will be calculated from the day You returned to Macedonia
Azores
Your Home or place of business (whichever is the Madeira
Balearic Islands
earlier) and based on the number of complete days Majorca
Belarus
of Your Trip You have not used, or Malta
Belgium
b. You attending a hospital outside Your Home Bosnia and Herzegovina Mediterranean Islands (not otherwise specified)
Area as an in-patient or being confined to Your Bulgaria Menorca
accommodation abroad due to compulsory Canary Islands Moldova
quarantine or on the orders of a Medical Cape Verde Monaco
Practitioner, in either case for a period in excess Channel Islands Montenegro
of 48 hours. Claims will be calculated from the Corsica Morocco
day You were admitted to hospital or confined to Croatia Netherlands
Your accommodation and based on the number Cyprus Northern Ireland
of complete days for which You were hospitalised, Czech Republic Norway
quarantined or confined to Your accommodation. Denmark Poland
El Hierro Portugal
England Republic of Ireland
10Romania Home Area Cover for cancellation starts from the commencement
Russia west of the Ural mountains For residents of United Kingdom excluding Channel of the period of insurance or when You book each Trip,
(known as European Russia) Islands and Isle of Man Your home area means United whichever is the later and ends on commencement of
San Marino Kingdom excluding Channel Islands and Isle of Man. any Trip.
Sardinia For residents of the Channel Islands and Isle of Man, Cover for all other sections applies for the length of
Scilly Isles Your home area means either the particular Channel each Trip. Legal advice and the Homewatch assistance
Scotland Island on which You live or the Isle of Man depending on service continue to apply for up to a week after You
Serbia where Your Home is. return Home.
Sicily
Home
Slovakia Permitted Sports and Activities
Slovenia
• means Your normal place of residence in the • means the following activities which We cover as
United Kingdom.
Spain standard under the policy:
Sweden Joint Account administrative or clerical occupations
Switzerland • means an account held with Lloyds Bank by a aerobics
Tenerife maximum of two adults. archery
Tunisia badminton
Turkey Medical Condition banana boating
Ukraine • means any disease, illness or injury. baseball
Vatican City State Medical Practitioner basketball
Wales • means a registered practising member of the medical body boarding (boogie boarding)
bowls
If You are travelling to a country not on this list, You profession recognised by the law of the country
will need to purchase the Worldwide Cover Upgrade. where they are practising, who is not related to You or camel riding
To upgrade Your existing cover please call Silver any person with whom You are travelling. canoeing (up to grade 2 rivers)
Membership Services between 8am and 8pm, seven clay pigeon shooting
days a week on 08456 03 18 39. Pair or Set climbing (on climbing wall only)
• means a number of items of personal Baggage cricket
Geographical Limits associated as being similar or complementary or croquet
• means anywhere in Europe unless You have used together. curling
purchased the worldwide cover Upgrade, in which cycling (not racing)
case the definition is amended to mean anywhere in Period of Insurance
deep sea fishing
the world. • means the period commencing on the date when You dinghy sailing
opened a new Lloyds Bank Silver Account and ending
Golf Equipment fishing
on the date when You cease to live in the United
• means golf clubs, golf balls, golf bag, golf trolley, and Kingdom, Your Silver Account is closed, the policy is
f lying as a fare paying passenger in a
fully licensed passenger carrying aircraft
golf shoes forming part of Your Baggage. cancelled or You reach 65 years of age, whichever is
go karting
the earlier.
golf
11hiking wake boarding d. A locked luggage box, locked to a roof rack which is
horse riding (excluding competitions, walking itself locked to the vehicle roof.
racing, jumping and hunting) war games (wearing eye protection)
hot air ballooning (organised pleasure rides only) water polo Ski Equipment
jet skiing (no racing) water skiing • means skis (including bindings), ski boots, ski poles
kayaking (up to grade 2 rivers) wind surfing and snowboards.
netball yachting (if qualified and excluding racing) Terrorism
orienteering zorbing • means an act, including but not limited to the use
quad biking of force or violence and/or the threat thereof, of
ringos To upgrade your existing cover call Silver Membership
Services team between 8am and 8pm, seven days a any person or group(s) of persons, whether acting
roller skating and blading (wearing pads and helmets) alone or on behalf of or in connection with any
rounders week on: 08456 03 18 39.
organisations(s) or governments, committed for
rowing (except racing) Personal Money and Travel Documents political, religious, ideological or similar purposes
running (non-competitive and not marathons) • means bank notes, currency notes and coins in including the intention to influence any government
safari trekking (must be organised tour) current use, travellers and other cheques, postal or and/or to put the public, or any section of the public,
scuba diving up to a depth of 30 metres money orders, pre-paid coupons or vouchers, travel in fear.
(if You have the relevant qualifications for the depth tickets, passport, event and entertainment tickets,
at which You are diving, such as PADI: Advanced money cards and credit/Visa debit or pre-pay charge Trip
Open Water, BSAC: Sports Diver or equivalent, and cards all held for private purposes. • means any holiday, business or pleasure trip or
You are accompanied by a qualified dive marshal, journey within the Geographical Limits, during the
diving instructor or guide) Public Transport Period of Insurance, commencing and ending in
shooting/small bore target shooting • means any publicly licensed aircraft, sea vessel, train Your Home Area, with a maximum duration of 45
(within organisers’ guidelines) or coach on which You are booked to travel. consecutive days.
skateboarding (wearing pads and helmets)
Secure Baggage Area Upgrade(s)
snorkelling
softball
• means any of the following, as and where • means any extra benefit or different level of cover
appropriate: You have purchased as detailed on Your upgrade
squash
schedule. See the ‘Your Travel Policy’ section of
surfing a. The locked dashboard, boot or luggage this document for details of Upgrades available.
swimming compartment of a motor vehicle. No additional cover will apply unless You have paid
swimming with dolphins
b. The locked luggage compartment of a hatchback the appropriate supplementary premium.
table tennis
team sports (if not the main purpose of the Trip) vehicle fitted with a lid closing off the luggage area, Unattended
tennis or of an estate car with a fitted and engaged tray or
roller blind cover behind the rear seats.
• means when You are not in full view of and not in a
trampolining position to prevent unauthorised interference with
trekking up to 2,500 metres altitude c. The fixed storage units of a locked motorised or Your property or vehicle.
volleyball towed caravan.
12United Kingdom c. For Trips within the Geographical Limits with a Business Travel
• means England, Scotland, Wales, Northern Ireland, maximum duration of 45 days; This is an extension of the Baggage and baggage delay
Isle of Man and the Channel Islands. section to include cover for Business Equipment and
d. To You if You will be living in the United Kingdom for at
Valuables least six months during each 12 month period following also provides cover for additional accommodation
• means jewellery, gold, silver, precious metal or the opening of Your Lloyds Bank Silver Account; and travelling costs for a colleague to take Your place
precious or semiprecious stone articles, watches, furs, in the event of Your death, total disablement or
cameras, camcorders, portable satellite navigation e. Subject to the limits of cover and all other terms, hospitalisation. Please refer to Section P – Business
systems, photographic, audio, video, computer, conditions and exclusions contained in this policy. travel for full details of cover.
television and telecommunications equipment and
Disability Benefit following Road Traffic Accident in
other electronic entertainment devices (including but The law applicable to this policy New Zealand
not limited to mobile phones, MP3 or 4 players, tablets,
ebooks, CD’s, DVD’s, tapes, films, cassettes, cartridges You are free to choose the law applicable to this policy. This provides a weekly benefit payable if You sustain a
and headphones), computer games and associated Your policy will be governed by the law of England and Bodily Injury as the result of a road traffic accident whilst
equipment, telescopes and binoculars. Wales unless You and We have agreed otherwise. You are travelling in a hire car in New Zealand. Please
refer to Section R – Disability benefit following road traffic
Upgrades
Winter Sports accident in New Zealand for full details of cover.
• means the following activities: on and off-piste skiing;
on and off-piste snowboarding; glacier walking/skiing Excess Waiver
and outdoor ice skating. This policy contains different levels of cover, some of The policy excess will be reduced to nil.
which do not apply unless You have paid the appropriate
Family Travel
Your travel policy
Upgrade premium. Upgrades must be purchased
before You travel. Any extra benefit You have This includes, as an Insured Person, each unmarried,
purchased is detailed on Your Upgrade schedule. Please financially dependent, child under 18 and in full-time
Your cover available under this policy is only provided: read the wording and ensure the cover reflects Your education when travelling with You or a responsible
requirements. You may Upgrade Your travel insurance adult. When You have paid this Family Travel
a. For Trips You take: supplement, by special extension each of Your children
coverage to include any of the following:
i. outside Your Home Area; or in full-time education, less than 24-years of age, are also
Additional Adult or Child insured, when travelling with You or a responsible adult,
ii. solely within Your Home Area provided that You or with the account holder’s spouse, partner or civil
You may nominate a named additional adult or child,
have pre-booked at least two consecutive nights partner when he/she is an Insured Person.
relative or friend, as an Insured Person, when the adult
paid accommodation on a holiday or pleasure Trip,
or child is travelling with the Silver Account holder, or
or at least five consecutive nights pre-booked paid
with the account holder’s spouse, partner or civil partner
accommodation on a Business Trip.
when he/she is the Insured Person.
b. For losses arising out of incidents which take place
after the start of the Period of Insurance during a Trip;
13Golf Equipment Please refer to Sections J, K and L – Winter sports for Your details are still correct and relevant. If any changes
This is an extension of the Cancellation or Curtailment full details. are required or You do not wish to renew Your Policy You
charges and early return, Baggage and baggage delay Sections J, K and L – Winter sports can also be upgraded should let Us know by contacting Us on 08456 03 18 39
and Personal liability sections to include cover for Golf to provide higher cover limits, with the inclusion of before Your renewal date.
Equipment. Please refer to Section A – Cancellation or Section M – Hire of ski equipment. If You no longer meet Our eligibility criteria, We will
Curtailment and early return, Section E – Baggage and In addition if You wish to participate in any activities not not be able to renew Your Upgrade. In all cases We will
baggage delay and Section G – Personal liability for full listed in the Winter Sports definition (and not included in contact You prior to Your renewal date to advise You
details of cover. the list of activities not covered in the General exclusions what to do next.
relating to all sections of the policy paragraph 5., then
Sports and Activities
please call Us as We can extend Your cover to include any
The sports and activities which are covered as standard of the following activities: Useful telephone numbers
are listed under the Permitted Sports and Activities
Cross Country Skiing, Ski-dooing (no liability cover), For customer service and claims assistance within the
definition, if You wish to participate in any activity not
Nordic Skiing, Snow Biking, Snow Bobbing, Snow Mobiling UK, please call:
mentioned under this definition then please call Us and
(no liability cover) or Snow Scooting (no liability cover) Silver Membership Services helpline:
We may be able to extend Your cover.
08456 03 18 39
Trip Extension Worldwide cover
Opening hours
This extends the Geographical Limits to cover You to
The Trip limit may be extended to cover You for either Customer service lines:
travel anywhere in the world (excluding areas the public
62, 93, 186 or 279 consecutive days in each annual 8am to 8pm Monday to Saturday 9am to 5pm Sunday.
has been advised not to travel to – see general exclusion
Period of Insurance.
14 on page 18). Upgrade your cover call:
Travelling in excess of the Trip limits will invalidate 8am to 8pm seven days a week.
the whole policy.
Automatic Renewal Claim lines:
Wedding/Civil Partnership Cover 8am to 8pm Monday to Friday 8am to 4pm Saturday.
By purchasing an optional Upgrade(s) You provide
This covers specific Baggage items related to Your consent to set up a continuous payment authority. 24 hour overseas assistance helpline:
wedding and also provides reasonable additional costs This means We are authorised to automatically renew +44 1633 815 819
incurred to reprint or retake Your photographs should they Your Upgrade(s) and apply for renewal payments from Fax: +44 1633 815 866
be lost, stolen or damaged or if the photographer is unable Your account every year, even if Your card has expired, Pre-travel advice/Homewatch/Legal
to fulfil his obligations. See Section O – Wedding/Civil until You instruct Us to stop. assistance:
partnership cover for full details of cover available.
We will contact You at least 21 days before the expiry 0845 603 1662
Winter Sports date. If You still meet Our eligibility criteria, We will seek to UK fax numbers
automatically renew Your Upgrade(s) by using the latest Customer Service: 08456 03 16 59
Winter Sports may be covered for a maximum of 17 or
details You provided to Us. You will also be provided with
30 days in total in each annual Period of Insurance. Claims: 08456 03 16 60
a renewal invitation which You should check to ensure all
14General conditions Your Silver Account within 30 days of the start date,
Your policy will remain in force and may then only be
All claims except Legal expenses and Personal
assistance services only
applicable to the cancelled by You closing Your account or by Lloyds Bank
giving 30 days’ notice in writing.
AXA Travel Claims
Civic Drive
whole policy
If You have purchased an Upgrade and within 14 days Ipswich
of receipt of the Upgrade schedule, You find that it IP1 2AN
does not meet Your requirements You may cancel Your Legal expenses and Personal assistance services only
You must comply with the following conditions to have Upgrade by returning the Upgrade schedule to Us.
We will refund any premium You have paid for Upgrades AXA Assistance
the full protection of Your policy. The Quadrangle
in full provided You have not travelled.
If You do not comply We may at Our option cancel the 106/118 Station Road
policy or refuse to deal with Your claim or reduce the For cancellations occurring after 14 days of receipt of the Redhill
amount of any claim payment. Upgrade schedule no refund of premium will be made. Surrey RH1 1PX
We reserve the right to cancel cover for Upgrades Tel: 08456 03 18 39
1. Dual insurance immediately in the event of non-payment of the To help Us deal with Your query quickly when making
appropriate premium for them. contact please have to hand Your account details and
If at the time of any incident which results in a claim any travel documents You may be in receipt of. Please
under this policy, there is another insurance covering We may also cancel the policy by sending 30 days’
notice to You at Your last known address without a note that telephone calls are recorded and monitored.
the same loss, damage, expense or liability We will not
pay more than Our proportional share (not applicable to refund of premium.
Section D – Personal accident and travel accident cover). Claims conditions
Making a claim You must comply with the following claims conditions
2. Reasonable precautions Making a claim could not be easier. All You need to do to have the full protection of Your policy. If You do not
At all times You must take all reasonable precautions to is telephone the dedicated claims team between the comply We may at Our option cancel the policy or refuse
avoid injury, illness, disease, loss, theft or damage and hours of 8am to 8pm Monday to Friday and 8am to 4pm to deal with Your claim or reduce the amount of any
take all reasonable steps to safeguard Your property Saturday for a fast and efficient service. The claims claim payment.
from loss or damage and to recover property lost team will take details of Your claim and advise You of the
next steps. 1. Claims
or stolen.
If You are abroad and in need of assistance then please You must notify Us preferably by phone at the address
given above, depending on the type of claim.
3. Cancellation contact our 24 hour assistance helpline.
The notification must be made within 31 days or as
The claims contact numbers are as follows:
Once You have upgraded to, or opened, a Silver Account soon as possible thereafter following any Bodily Injury,
You have a 30 day cooling off period, so if You change illness, disease, incident, event, redundancy or the
Your mind and have not used the benefits or don’t discovery of any loss, theft or damage which may give
have a claim pending, Lloyds Bank will not charge You rise to a claim under this policy.
the monthly current account fee. If You do not cancel
15You must also inform Us if You are aware of any court b. knowingly makes a fraudulent or exaggerated claim • Section C – Hospital benefit
claim form, summons or impending prosecution. Every
communication relating to a claim must be sent to Us
under Your policy; or • Section D – Personal accident and travel accident cover
without delay. You or anyone acting on Your behalf must
c. knowingly makes a false statement in support of a • Section P – Business travel
claim; or
not negotiate, admit or repudiate any claim without Our For any claims arising directly or indirectly from:
written consent. d. submits a knowingly false or forged document in
support of a claim; or 1. Any Medical Condition which at the time of opening
You or Your legal representatives must comply with the Your Silver Account, or when booking any Trip You
conditions and supply the relevant information detailed e. makes a claim for any loss or damage caused by Your have, have had or are aware of (whether diagnosed
under the heading ‘Special conditions relating to claims’ wilful act or caused with Your agreement, knowledge or not).
for the section under which You are claiming. Please or collusion.
refer to each section of this wording for a complete 2. Any Medical Condition You have in respect of
Then
list. We reserve the right to require You to undergo an which a Medical Practitioner has advised You not
independent medical examination at Our expense. a. We may prosecute fraudulent claimants; to travel or would have done so had You sought his/
her advice.
We may also request and will pay for a post b. We may make the policy void from the date of the
mortem examination. fraudulent act; 3. Any Medical Condition for which You are not
You must retain any property which is damaged, and, if c. We will not pay any fraudulent claims; taking the recommended treatment or prescribed
requested, send it to Us at Your own expense. If We pay a medication as directed by a Medical Practitioner.
d. We will be entitled to recover from You the amount
claim for the full value of the property and it is subsequently
of any fraudulent claim already paid under Your 4. Any surgery, treatment or investigations for which
recovered or there is any salvage then it will become
policy since the start date; You intend to travel outside of Your Home Area to
Our property. We may refuse to reimburse You for any
receive (including any expenses incurred due to the
expenses for which You cannot provide receipts or bills. e. We shall not return any premium paid by You for discovery of other Medical Conditions during and/or
the policy; complications arising from these procedures).
2. Transferring of Rights
f. We may inform the Police of the circumstances.
We are entitled to take over any rights in the defence or 5. Your travel against any health requirements
settlement of any claim and to take proceedings in Your stipulated by the carrier, their handling agents or any
name for Our benefit against any other party. Exclusions other Public Transport provider.
3. Fraudulent claims Exclusions relating to Your health.
Throughout Your dealings with Us We expect You to act You will not be covered under:
honestly. If You or anyone acting for You:
• Section A – Cancellation or Curtailment charges and
a. knowingly provides information to Us as part of early return
Your application for Your policy that is not true and
complete to the best of Your knowledge and belief; or
• Section B – Emergency medical, additional
accommodation and travelling costs
16General exclusions relating to or process any date as its true calendar date, or to
continue to function correctly beyond that date.
8. Your wilfully, self-inflicted injury or illness, suicide or
attempted suicide, sexually transmitted diseases,
all sections of the policy solvent abuse, drug use (other than drugs taken in
5. Your pursuit of Winter Sports unless Sections J, K, L accordance with treatment prescribed and directed
We will not pay for claims arising directly or indirectly and M – Winter Sports are shown as operative in Your by a Medical Practitioner, but not for the treatment
from: Upgrade schedule. However, even if Winter Sports of drug addiction), and putting Yourself at needless
cover is included You are still not covered for the risk (except in an attempt to save human life).
1. War, invasion, acts of foreign enemies, hostilities or
following activities: off-piste skiing without a guide,
warlike operations (whether war be declared or not),
skiing against local authoritative warning or advice, 9. You drinking too much alcohol or alcohol abuse
civil war, rebellion, Terrorism, revolution, insurrection,
ski stunting, free-style skiing, ice hockey, bobbing, where it is reasonably foreseeable that such
civil commotion assuming the proportions of or
tobogganing, heli skiing, ski acrobatics, ski flying, ski consumption could result in an impairment of Your
amounting to an uprising, military or usurped power
jumping, ski mountaineering, snowcat skiing, snow faculties and/or judgement resulting in a claim. We
but this exclusion shall not apply to losses under:
carting or the use of bob sleighs, luges or skeletons. do not expect You to avoid alcohol on Your trips or
• Section B – Emergency medical, additional holidays, but We will not cover any claims arising
accommodation and travelling costs If You wish to participate in a winter sports activity because You have drunk so much alcohol that Your
not mentioned in the list above or in the Winter
• Section C – Hospital benefit and Sports definition, please refer to the Winter Sports
judgement is seriously affected and You need to
make a claim as a result.
• Section D – Personal accident and travel Upgrade as We may be able to extend Your cover.
accident cover 6. Your engagement in or practice of the following, 10. You climbing on top of, or jumping from a vehicle
unless such losses are caused by nuclear, chemical unless You have received Our prior agreement in or jumping from a building or balcony, or climbing
or biological attack, or the disturbances were already writing: manual work in connection with a profession or moving from any external part of any building
taking place at the beginning of any Trip. business or trade, professional entertainment, flying to another part of the same building or another
except as a fare paying passenger in a fully-licensed building (apart from stairs, ramps or walkways) and
2. Ionising radiation or contamination by radioactivity falling regardless of the height, unless Your life is in
from any nuclear fuel or from any nuclear waste, from passenger-carrying aircraft, the use of a moped,
motorcycle, car, van, lorry or similar motorised vehicle danger or You are attempting to save human life.
combustion of nuclear fuel, the radioactive, toxic,
explosive or other hazardous properties of any nuclear unless a full United Kingdom driving licence is held 11. Your own unlawful action or any criminal
assembly or nuclear component of such assembly. permitting the use of such vehicles in the United proceedings against You.
Kingdom and in the case of a moped or motorcycle,
3. Loss, destruction or damage directly occasioned by You and Your passenger are wearing a helmet. 12. Any other loss, damage or additional expense following
pressure waves caused by aircraft and other aerial on from the event for which You are claiming, unless
devices travelling at sonic or supersonic speeds. 7. Your engagement in any sport or activity that is not We provide cover under this insurance. Examples of
in the list of Permitted Sports and Activities unless such loss, damage or additional expense would be the
4. The failure or fear of failure or inability of any You have received Our prior agreement in writing. cost of replacing locks after losing keys, costs incurred
equipment or any computer programme, whether or in preparing a claim or loss of earnings following Bodily
not You own it, to recognise or to interpret correctly Injury, illness or disease.
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