Garda Travel Club Annual Travel Insurance Group Policy 2019
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Garda Travel Club
Annual Travel Insurance Group Policy
2018 - 2019
Policy Number: WHIIL/B1/Garda/2018
HEALTH NOTICE
If You or any person who is traveling has a Medical Condition then You must
declare that condition to our Medical Screening Line on 0818 221 409 for
each and every Trip.
Please refer to the list of Automatically Accepted Medical Conditions which
do not require completion of the Medical Declaration.
TRAVEL ASSISTANCE
If an Insured Person needs medical assistance or advice during a
Holiday they should call the Emergency Assistance Service
on +44 1733 224 892.
Blue Insurance Limited is regulated by the Central Bank of Ireland.
Insurer Schedule of Benefits Category A Category B Category C
Section / Description
This Policy is underwritten by White Horse Insurance Ireland dac. White AGED UNDER 69YRS AGED 70-79YRS AGED UNDER 18YRS
Section 1: Personal Accident
Horse Insurance Ireland dac is registered in Ireland No 306045. White Horse
A Death: €10,000 €5,000 €5,000
Insurance Ireland dac’s Registered Office is First Floor, Rineanna House, B Loss of one or more limbs €20,000 €5,000 €5,000
Shannon Free Zone, Shannon, County Clare, Republic of Ireland. C Loss of sight in one or both eyes €20,000 €5,000 €5,000
D Permanent Total Disablement €20,000 €5,000 €5,000
White Horse Insurance Ireland dac is regulated by the Central Bank of Ireland. Maximum Limit: €20,000
This can be checked by visiting their website - www.centralbank.ie Section 2: Medical Expenses
A Medical Expenses €10,000,000 €10,000,000 €10,000,000
Claims and Customer Service: (not applicable to holidays in Ireland):
Dental Expenses – for pain relief only: €500 €500 €500
To make a claim other than any claim for medical emergencies please contact: Excess: €100 €100 €100
B Emergency Repatriation Expenses: Unlimited Unlimited Unlimited
White Horse Administration Services Limited by either: Excess: € Nil € Nil € Nil
Telephone: 0818 946 910 (From inside Ireland) C Hospital Benefit (Per day) €30 €30 €30
0044 (0) 1733 224 845 (From outside Ireland) Maximum payable: €420 €420 €420
Email: claims@white-horse.ie D Other Travel Expenses €7,500 €7,500 €7,500
Write: White Horse Administration Services Limited, First Floor, Excess: €100 €100 €100
Rineanna House, Shannon Free Zone, Shannon, County Clare, Section 3: Personal Belongings
Republic of Ireland. Personal Belongings: €2,000 €2,000 €2,000
Maximum any one article: €380 €380 €380
To make a claim for a medical emergency please contact the Emergency Maximum for Valuables: €380 €380 €380
Assistance Service on +44 1733 224 892. Excess: €90 €90 €90
Delayed Belongings:
For each 24 hours delay: €50 €50 €50
Travel Schedule Maximum payable
Section 4: Money
A Money:
€200
€500
€200
€500
€200
€100
Master Policy Number: WHIIL/B1/Garda/2018 Maximum in cash: €350 €350 €100
Intermediary: Blue Insurance Limited, Plaza 255, Blanchardstown Corporate B Fraudulent use of Credit Cards: €500 €500 €500
C Emergency Replacement of Passport, Visa, Travel
Park 2, Blanchardstown, Dublin 15. Documents or Driving Licence:
Insured: The Chairman of the Garda Travel Club. i) Loss of Passport, €500 €500 €500
ii) loss of visa, travel documents or driving licence: €250 €250 €250
Address: 6th Floor, Phibsboro Tower, Dublin 7. Excess: €90 €90 €90
Business Description: Club for arranging holidays and travel insurance for Section 5: Disruption
members. A i) Cancellation, Alteration or Curtailment: €4,500 €4,500 €4,500
ii) Cancellation due to airline strike €200 €200 €200
Period of Insurance: From: 1st March 2018 To: 28th February 2019. Excesses:
Premium: As agreed between the Insured, the Intermediary and White Horse Loss of deposit: €30 €30 €30
Insurance Ireland dac for specific periods. Premiums will be inclusive of 5% Other claims: €90 €90 €90
Government Levy or any amendment thereof. B Delayed departure:
i) After each 12 hour period: €30 €30 €30
Category Definition of Insured Persons Maximum payable: €200 €200 €200
A Any Member of the Garda Travel Club, under age 70. ii) Abandonment of Holiday after 24 hour delay €4,500 €4,500 €4,500
B Any Member of the Garda Travel Club, under age 80. C Missed departure: €500 €500 €500
C Any Child of a person described in Categories A or B. Excess: €90 €90 €90
D Hijack (Per day) €100 €100 €100
Category Holiday Maximum payable: €1,000 €1,000 €1,000
A Whilst travelling to, participating in and travelling from a Holiday. E Catastrophe €750 €750 €750
F End Supplier Failure €4,500 €4,500 €4,500
B Whilst travelling to, participating in and travelling from a Holiday.
G Missed cruise connection: €750 €750 €750
C Whilst accompanying a person described in Categories A or B. Excess: €90 €90 €90
Section 6: Personal Liability
Maximum Holiday Duration
Limit of Liability: €2,000,000 €2,000,000 €2,000,000
i. Persons aged 19-69 years – 35 days any one Holiday Excess: €100 €100 €100
ii. Persons aged 70-79 years – 31 days any one Holiday Section 7: Legal Expenses
Persons aged 19-69 years 45 days or 60 days available under an Legal Expenses €30,000 €30,000 €30,000
iii. optional extension and upon payment of an additional premium Section 8: Winter Sports (max age 65 years)
Winter Sports Holidays – Persons under 66 years – 21 days total in A (i) Lost or damaged Winter Sports Equipment: €400 N/A €400
iv. any one Period of Insurance Excess: €90 N/A €90
(ii) Ski hire (Per day): €50 N/A €50
Maximum Payable: €300 N/A €300
B Unused ski pass or tuition fees following Accident €50 N/A €50
or illness; or loss of ski pass (Per day):
Maximum Payable: €300 N/A €300
C Piste closure - lack of snow (Per day) €50 N/A €50
Maximum Payable: €500 N/A €500
D Piste closure (avalanche) €500 N/A €500
Excess: €90 N/A €90
E Additional expenses (avalanche) €100 N/A €100
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Introduction traveller is on a waiting list for or has knowledge of the need for surgery,
treatment or investigation at a Hospital, clinic or nursing home at the time
the Trip is booked are automatically excluded.
All Insured Persons should take time to read all parts of the Policy to make
sure it meets their needs and that they understand the terms, conditions and
exclusions. If the Insured Person wishes to change anything or if there is
anything they do not understand, they should contact the Garda Travel Club. Automatically Accepted
The parts of this Policy are;
• Policy Schedule
Medical Conditions
• Introduction Please see the following list for Medical Conditions which do not require
• Important Conditions Relating to Health screening.
• Important Contact details
• Emergency Assistance Service i) The following Medical Conditions are automatically covered provided
• Additional Services that the Insured Person has no more than FIVE of these conditions
• Policy Definitions simultaneously
• Sports and Activities A Abnormal Smear hospital admissions), inserted (Glue Ear),
• What the Policy covers Test, Achilles Tendon Cystocele (fully Gynaecomastia
• What the Policy does not cover Injury, Acne, Acronyx recovered, no hospital H Haematoma
• Policy Conditions (Ingrowing Toe-nail), admissions), (external),
• Claims Notification and Conditions Adenoids, Allergic D D & C, Deaf Mutism, Haemorrhoidectomy,
• Complaints procedures Rhinitis, Alopecia, Deafness, Dental Haemorrhoids (Piles),
• Data Protection Anal Fissure/Fistula, Surgery, Dermatitis (no Hallux Valgus (Bunion),
Appendectomy, hospital admissions Hammer Toe, Hay
Important Conditions Relating to Health Astigmatism,
Athlete’s Foot (Tinea
or consultations),
Deviated Nasal Septum,
Fever, Hernia (not
Hiatus), Herpes Simplex
Pedis), Attention Deficit Diarrhoea and/or (Cold Sore), Herpes
Phone Number: 0818 221 409 Hyperactivity Disorder Vomiting (resolved), Zoster (Shingles),
Quoting Reference: Garda Annual 2018 B Bell’s Palsy (Facial Dilatation and Hip Replacement
Please note certain medical conditions will incur an additional premium. Paralysis), Benign Curettage, Dislocations (no subsequent
Prostatic Enlargement, (no joint replacement arthritis and never
This insurance is designed to cover You for unforeseen events, accidents, Bladder Infection (no or hospital admissions), any dislocation of a
Serious Illness or Bodily Injuries occurring during Your Period of Insurance. ongoing treatment, no Dry Eye Syndrome, joint replacement),
Hospital admissions), Dyspepsia, Hives (Nettle Rash),
To ensure You are fully protected under this insurance contract, You must Blepharitis, Blindness, E Ear Infections Housemaid’s Knee
contact Medical Screening within 14 days of each and every Holiday Blocked Tear Ducts, (resolved must be all (Bursitis), HRT (Hormone
booking that You make to declare Your Medical Condition(s). Breast Fibroadenoma, clear prior to travel Replacement Therapy),
Breast Cyst(s), Breast if flying), Eczema (no Hyperthyroidism
If You have any Medical Condition(s) or if the Medical Condition is not listed Enlargement/Reduction, hospital admissions (Overactive Thyroid),
as an Automatically Accepted Medical Condition, You must contact the Broken Bones (other or consultations), Hypospadias,
Medical Screening Company on 0818 221 409 to declare ALL Your Medical than head or spine) - (no Endocervical Polyp, Hypothyroidism
Conditions to ensure that the cover will meet Your needs. longer in plaster), Bunion Endocervicitis, (Underactive Thyroid),
(Hallux Valgus), Bursitis, Endometrial Polyp, Hysterectomy (provided
Exclusions C Caesarean Section, Epididymitis, Epiphora no malignancy)
PLEASE NOTE that cover cannot be offered for any Medical Condition if Candidiasis (oral (Watery Eye), I Impetigo, Indigestion,
You; or vaginal), Carpal Epispadias, Epistaxis Influenza (full recovery
- have an undiagnosed medical condition; Tunnel Syndrome, (Nosebleed), Erythema made), Ingrowing Toe-
- are awaiting the results of medical tests or investigations; Cartilage Injury, Nodosum, Essential nail (Acronyx), Inguinal
- are travelling against the advice of a General Practitioner; Cataracts, Cervical Tremor Hernia, Insomnia,
- are travelling for the purpose of obtaining medical treatment; Erosion, Cervicitis, F Facial Neuritis Intercostal Neuralgia
- are on a Hospital or clinic waiting list; Chalazion, Chicken (Trigeminal Neuralgia), (no admissions),
- have been diagnosed with a terminal condition; Pox (fully resolved), Facial Paralysis (Bell’s Intertrigo, Irritable
Please also note there is no cover for claims arising from any psychological Cholecystectomy, Palsy), Femoral Hernia, Bowel Syndrome (IBS)
condition (including anxiety, stress, depression, psychiatric or eating Chronic fatigue Fibroadenoma, Fibroid (provided definite
disorders, phobias). syndrome (if only Uterine, Fibromyalgia, diagnosis made and no
symptom is fatigue Fibromyositis, Fibrositis, ongoing investigations)
Relating to the Health of Non-Travellers and no hospital Frozen Shoulder K Keinboeck’s Disease,
This insurance policy excludes cover for any claims arising directly or admissions), Coeliac G Gall Bladder Keratoconus, Knee
indirectly from a Medical Condition (unless shown in the Automatically Disease, Cold Sore Removal, Ganglion, Injury Collateral/
Accepted Minor Conditions list) of any person on whom travel depends (Herpes Simplex), Glandular Fever (full cruciate ligaments,
unless the person’s doctor can state that, on the date of booking a Trip Common Cold(s), recovery made), Knee Replacement
that he/she would have seen no substantial likelihood of the patient’s Conjunctivitis, Glaucoma, Glue (no subsequent
condition deteriorating to such a degree to cause a necessary cancellation Constipation, Corneal Ear (resolved must arthritis and never any
or Curtailment claim. If the doctor will not confirm this, any claim arising from Graft, Cosmetic Surgery, be all clear prior dislocation of a joint
a Medical Condition will be excluded. Cyst Breast, Cyst to travel if flying), replacement), Kohlers
Testicular, Cystitis (no Goitre, Gout, Grave’s Disease
All claims arising from a terminal prognosis, any set of symptoms where a ongoing treatment, no Disease, Grommet(s) L Labyrinthitis,
diagnosis has not been made and any Medical Condition for which a non-
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5Laryngitis, Learning is fatigue and no Cyst, Testicular Torsion • There must have been NO Hospital admissions or diabetic
Difficulties, Leptothrix, hospital admissions), (Twisted Testicle), complications EVER.
Leucoderma, Lichen Pregnancy (provided Throat Infection(s), • Must have been a non-smoker for at least 12 months.
Planus, Ligaments no complications), Thrush, Thyroid
(injury), Lipoma Prickly Heat, Prolapsed Overactive, Thyroid Hypercholesterolaemia (High/Raised Cholesterol):
M Macular Uterus (womb), Deficiency, Tinea Capitis • No more than 1 medication.
Degeneration, Mastitis, Pruritis, Psoriasis (no (Scalp Ringworm), • Must NOT be the inherited (genetic) form.
Mastoidectomy hospital admissions or Tinea Corporis (Skin • Must have been a non-smoker for at least 12 months.
(resolved must be all consultations) Ringworm), Tinea Pedis
clear prior to travel if R Repetitive Strain (Athlete’s Foot), Tinnitus, Hypertension (High Blood Pressure, White Coat Syndrome):
flying), Menopause, Injury, Retinitis Tonsillitis, Tooth • No more than 2 medications.
Menorrhagia, Migraine Pigmentosa, Rhinitis Extraction, Toothache, • There must have been no change in treatment within the last 6 months.
(provided definite (Allergic), Rosacea, Torn Ligament, • Must have been a non-smoker for at least 12 months.
diagnosis made and no Ruptured Tendons Torticollis (Wry Neck),
ongoing investigations), S Salpingo-oophoritis, Trichomycosis, Hypotension (Low Blood Pressure):
Miscarriage, Scabies, Scalp Trigeminal Neuralgia, • Must NOT be associated with any underlying condition.
Mole(s), Molluscum Ringworm (Tinea Turner’s Syndrome,
Contagiosum, Myalgic Capitis), Scheuermann’s Twisted Testicle Osteoporosis (Osteopaenia, Fragile Bones):
Encephalomyelitis (ME) Disease (provided no U Umbilical Hernia, • There must have been no broken bones within the last 5 years.
(if the only symptom respiratory issues), Underactive Thyroid, • There must have been NO vertebral (backbone) fractures.
is fatigue and no Sebaceous Cyst, Undescended
Hospital admissions), Shingles (Herpes Testicle,Urethritis (fully
Myxoedema
N Nasal Infection, Nasal
Zoster), Sinusitis,
Skin Ringworm
recovered, no hospital
admissions), URTI
Policy Definitions
Polyp(s), Nettle Rash (Tinea Corporis), (Upper Respiratory Tract Whenever the following words or phrases appear in bold font, they will have
(Hives), Neuralgia (no Sleep Apnoea (no infection) (resolved, the meanings as described below
hospital admissions), machine used to assist no further treatment),
Nosebleed(s), breathing), Sore Throat, Urticaria, Uterine €
Nystagmus Sprains, Stigmatism, Polyp(s), Uterine means Euro
O Osgood- Stomach Bug (resolved), Prolapse
schlatter’s Disease, Strabismus (Squint), V Varicocele, Varicose Abroad
Osteochondritis, Stress Incontinence (no Veins - legs only, never means outside Ireland
Otosclerosis, Overactive urinary infections) any ulcers or cellulitis
Thyroid T Talipes (Club Foot), (if GP has confirmed Accident & Accidental
P Parametritis, Tendon Injury, Tennis that client is fit to travel), means a sudden identifiable violent external event which happens by chance
Pediculosis, Pelvic Elbow, Tenosynovitis, Vasectomy, Verruca, and which could not be expected, or unavoidable exposure to severe weather.
Inflammatory Disease, Termination of Vitiligo
Photodermatosis, Piles, Pregnancy, Testicles W Warts (benign, Accommodation
Pityriasis Rosea, Post Epididymitis, Testicles non-genital), Womb means accommodation of a standard up to but not exceeding that in which
Viral Fatigue Syndrome Hydrocele, Testicles Prolapse (uterus), Wry the Insured Person was or would have been staying during the course of
(if the only symptom Varicocele, Testicular Neck (Torticollis). the Holiday.
ii) The following Medical Conditions are automatically covered provided
that the Insured Person has no more than ONE of the conditions and no Aggregate Limit
other Medical Condition. means the maximum amount that White Horse Insurance Ireland dac will pay
per Event in total under this and any other policies issued by White Horse
Arthritis (Juvenile, Osteoarthritis, Rheumatoid or Psoriatic Arthritis, Reiter’s Insurance Ireland dac to the Insured.
Syndrome, Rheumatism):
• There must have been NO Hospital admissions within the last 12 months. Bodily Injury
• Must NOT affect the back more than any other area of the body. means injury which is caused solely by Accidental means and which
• No more than 2 medications. independently of Illness or any other cause, occurs within 12 months from
• No mobility aids (other than walking stick or frame). the date of the Accident.
• There must have been NO dislocations of any joint replacements.
• Must NOT be awaiting surgery. Business Equipment
• Must have NO lung problems/respiratory disorders. means any articles used primarily for business purposes, which are the
property of the Insured Person or their employer including office equipment
Asthma (Wheezing): which is portable by design including, but not restricted to, personal
• There must have been NO Hospital admissions EVER. computers, telephones and calculators.
• Must have been diagnosed prior to age 50.
• Must be controlled with no more than 2 medications (NO nebuliser, NO Child/Children
home oxygen). means the offspring of the Principal Insured Person or the offspring of their
• Must have been a non-smoker for at least 12 months. Partner, including a step child(ren), a legally adopted or fostered child(ren)
• Must always be able to walk 200 yards on the flat without becoming or a child(ren) for whom the Principle Insured Person or their Partner is the
short of breath. Parent or Legal Guardian each of whom must:
Diabetes Mellitus (Sugar Diabetes): 1. be over 3 months and under 18 years of age (or under 23 years of age if
• Type 2 (Non-Insulin-Dependent Diabetes Mellitus) only. still in Full-time education) on the date the cover is purchased;.
• Controlled by diet alone or by no more than 1 medication (no Insulin). 2. be dependent on the Principal Insured Person or their Partner even if
he or she does not live with either of them; and
3. not be married.
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7If the Insured Person is aged under 18 years of age then cover will apply if Excess
they are travelling: means the amount of each and every claim that the Insured Person must
a) in the company of an adult (i.e. someone not defined as a Child under this pay, as shown in the Schedule, for each section of the Policy.
Policy) known to their parent(s) (other than on an organised school, college
or university trip); or Full Time Education
b) as an unaccompanied minor on a scheduled air service which operates means a programme of learning provided by a recognised educational body,
an unaccompanied minor scheme, and then only if they are travelling with which leads to a qualification by examination or assessment which is either:
the intention of joining, or being subsequently joined by, another adult
insured under this Policy. 1. full-time study; or
2. a mixture of study and work experience as long as at least two thirds of
If the Insured Person is aged 18 or over but under 23 and in Full Time the total time for the course is spent on study.
Education then they are covered to travel alone.
General Practitioner
Close Business Associate: means a registered practising member of the medical profession recognised
means any person whose absence from business for one or more complete by the law of the country where they are practising, who is not related to You
days at the same time as the absence the Insured Person prevents the proper or any person who You are travelling with.
continuation of that business.
Hijack / Hijacked
Close Relative: means unlawful seizure or taking control of an aircraft or conveyance in
means Partner, mother, father, sister, brother, daughter, son, grandparent, which the Insured Person is travelling as a passenger.
grandchild, parent-in-law, son-in-law, daughter-in-law, sister-in-law, brother-
in-law, aunt, uncle, niece, nephew, step parent, step child, step sister, step Holiday
brother, foster child, legal guardian, next of kin or fiancé/fiancée. means trip(s) involving travel and Accommodation, devoted entirely to
pleasure, rest, or relaxation, where travel begins and ends in Ireland.
Complications of Pregnancy
means toxaemia, gestational hypertension, pre-eclampsia, ectopic pregnancy, Hospital
hydatidiform mole, (molar pregnancy), post partum haemorrhage, retained means any establishment which is registered or licensed as a medical or
placenta membrane, placental abruption, hyperemesis gravidarum, placenta surgical hospital in the country in which it is located and where the Insured
praevia, stillbirths, miscarriage, medically necessary emergency Caesarean Person is under the constant supervision of a Qualified Medical Practitioner.
section, medical necessary termination and premature births. This definition is
only applicable if the complication occurs more than 8 weeks (or 16 weeks in Hospital Confinement
the case of a known multiple pregnancy) prior to the expected delivery date. means any continuous period of 24 hours or more during which time the
Insured Person has been confined to Hospital.
Death
means death caused by Bodily Injury. Illness
means any disease, infection or Bodily Injury which is unexpectedly contracted
Due To by You prior to Your Trip or unexpectedly manifests itself for the first time during
means directly or indirectly, caused by or resulting from, in connection with. Your Trip.
Effective Time Incidental Basis
means the time, during a Period of Insurance, when an Insured Person is means that the sport or activity you are taking part in on your Holiday is on
covered – as detailed in the Schedule. a strictly amateur basis and is not the specific reason for you going on Your
Holiday.
End Supplier Failure
means the insolvency of any travel arrangements booked in Ireland (not In-patient
forming part of an inclusive Holiday and not bonded or insured already) means an Insured Person whose Hospital Confinement is as a resident
including: bed patient, for whom a clinical case record has been opened and whose
confinement is necessary for the medical care, diagnosis and treatment of
Camper rental; an Illness or Bodily Injury covered by this Policy and not merely for any form
Caravan sites / campsites / mobile homes; of nursing, convalescence, rehabilitation, rest or extended-care.
Car ferries;
Car hire; Insured
Coach journeys; means the person, firm, company or organisation named in the Schedule.
Cruises;
Eurotunnel; Insured Person
Excursions; means any person or category of persons described under this heading in
Hotels; the Schedule.
Railway journeys including the Eurostar;
Safaris; Ireland; Irish
Scheduled airlines; means the Republic of Ireland.
Theme parks such as Disneyland Paris;
Villa’s abroad & cottages. Legal Expenses
Costs resulting from the insolvency of the booking agent or consolidator is means:
not included.
1. fees, expenses, costs/expenses of expert witnesses and other
Event disbursements reasonably incurred by the Legal Representatives in
means all instances of loss arising out of and directly occasioned by one pursuing a claim or legal proceedings for damages and/or compensation
sudden, unexpected, unusual and specific event occurring at an identifiable against a third party who has caused Accidental Bodily Injury to or illness
time and place. of an Insured Person or in appealing or resisting an appeal against the
judgement of a court, tribunal or arbitrator; and/or
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92. costs for which an Insured Person is legally liable following an award Period of Insurance
of costs by any court or tribunal or an out of court settlement made in means the period between and inclusive of the dates shown from: and to: in
connection with any claim or legal proceedings. the Policy Schedule commencing at 00.00 hours on the earliest date shown
and expiring at midnight on the latest date shown. Both dates refer to local
Legal Representatives standard time at the address of the Insured as shown in the Schedule.
means the solicitor, firm of solicitors, lawyer, advocate or other appropriately
qualified person firm or company appointed to act on behalf of the Insured Period of Cover
Person. means the period within the Period of Insurance for which White Horse
Insurance Ireland dac has accepted the appropriate Premium. Within the
Loss of Hearing Period of Cover:
means total and irrecoverable deafness confirmed by audiometer and sound
threshold tests. 1. The maximum duration of any one Holiday is as follows:
Loss of Limb Category Maximum duration of
any one Holiday
means in respect of:
Persons aged up to 79 years 31 days
a) an arm – amputation or complete and permanent loss of use - at or above
the wrist; 2. The maximum number of days for Winter Sports Holidays (cover for which
b) a leg – amputation or complete and permanent loss of use - at or above is limited to those aged under 66 at the time the Policy was issued) in any
the ankle (talo-tibial joint). one Period of Insurance is 21 days.
Loss of Sight Permanent Total Disablement
means when the degree of sight remaining after correction is 3/60 or less means disablement which:
on the Snellen Scale (which means the Insured Person is only able to see at
3 feet that which they should normally be able to see at 60 feet) and White 1. has lasted for at least 12 months; and
Horse Insurance Ireland dac is satisfied that the condition is permanent and 2. which in White Horse Insurance Ireland dac’s opinion is beyond hope of
without expectation of recovery. recovery; and
3. will in all probability continue for the remainder of the Insured Person’s
Maximum Limit life; and
means the maximum amount shown in the Schedule of Benefits payable 4. will prevent the Insured Person from engaging in or giving attention to
for any Insured Person for all Bodily Injury arising from any one Accident. business profession or occupation of any and every kind for the remainder
of their life.
Medical Condition(s)
means any disease, Bodily Injury or Illness. Personal Belongings
means personal articles which are the property of the Insured Person; or
Money property, other than Business Equipment, for which they are responsible; and
means coins, bank notes, postal or money orders, signed travellers cheques which are taken on or acquired during the Holiday.
and other cheques, letters of credit, travel tickets, petrol coupons or other prepaid
coupons which belong to or are in the custody and control of an Insured Person Premium
and are intended for travel, meals, Accommodation and personal expenditure means the amount specified or referred to in the Schedule in respect of the
only. specified Period of Insurance which is payable by the Principal Insured Person
to White Horse Insurance Ireland dac; any additional Premium payable for
Nuclear, Chemical or Biological Weapons or Agents additional or extended cover.
means the use of any nuclear weapon or device or the emission, discharge,
dispersal, release or escape of any solid, liquid or gaseous Chemical Agent Principle Insured Person
and/or Biological Agent. means the Insured Person who applies for this insurance on their own behalf
and on behalf of others – typically their Partner and/or Children.
Out-patient
means an Insured Person whose treatment for an Illness or Bodily Injury Public Transport
does not necessitate confinement in a Hospital. means any publicly licensed aircraft, sea vessel, train or coach on which You
are booked to travel.
Parent or Legal Guardian
means a person with parental responsibility, or a legal guardian, both being Qualified Medical Practitioner
in accordance with the law of Ireland. means a doctor or specialist, registered or licensed to practise medicine under
the laws of the country in which they practise who is neither:
Partner 1. an Insured Person; or
means an Insured Person who is: 2. a relative of such Insured Person unless approved by White Horse Insurance
Ireland dac.
1. The Principal Insured Person’s spouse.
2. The Principal Insured Person’s civil partner registered pursuant to the Rearrangement Costs
Civil Partnership and Certain Rights and Obligations of Cohabitants Act means all reasonable costs incurred in transporting the original Insured
2010; or Person to complete the curtailed Holiday provided that such costs shall be
3. The Principal Insured Person’s cohabiting partner (as defined in the limited to economy fare travel and other essential expenses in transportation
Civil Partnership and Certain Rights and Obligations of Cohabitants Act of the original Insured Person to the point at which the original Holiday was
2010) i.e. an adult of the same or opposite sex who has lived with The curtailed. The Holiday must be continued within six months of the original
Principal Insured Person’s in an intimate relationship for five years, or curtailment.
for two years where there is a Child or Children of the relationship.
4. someone of either sex with whom The Principal Insured Person has Ski Equipment
been living for at least three months as though they were The Principal means skis (including bindings), ski boots, ski poles, snowboards,
Insured Person’s spouse or civil partner. snowboard bindings and snowboard boots.
10
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means an act, including but not limited to the use of force or violence and/or
Sports and Activities - Grade 1
the threat thereof, of any person or group(s) of persons, whether acting alone The Insured Person is covered under the Personal Accident and Medical
or on behalf of or in connection with any organisation(s) or government(s), Expenses Sections for the following activities automatically, provided that the
committed for political, religious, ideological or ethnic purposes or reasons activity is on an Incidental Basis.
including the intention to influence any government and/or to put the public,
or any section of the public, in fear. • Archery • Manual Work (bar • Roller Blading
• Badminton and restaurant work • Rounders
Travelling Companion • Baseball amateur musicians • Rowing
means a person(s) with whom the Insured Person has booked to travel or is • Basketball and singers, chalet • Running – sprint/
travelling with on the same booking invoice. • Beach Games maids, au pair/ long distance
• Bungee Jump (1) nanny, retail work, • Safari (Irl/UK
Unattended • Camel/Elephant fruit picking and organised)
means when the Insured Person cannot see or are not close enough to their Riding+ occasional light • Sail Boarding
Personal Belongings, Valuables, Money, property or vehicle to stop it being • Canoeing (Grade manual work at • Sailing within
damaged or stolen 1-3) – Life jacket and ground level but territorial waters +
helmet must be worn excluding the use • Scuba Diving*
• Clay Pigeon Shooting+ of power tools or down to 30 metres
Valuables • Cricket machinery)**+ if qualified and
means jewellery, gold, silver, precious metal(s), precious or semiprecious • Cycling (excluding • Marathon Running not diving alone or
stone articles, watches, telescopes, items made of leather (including Mountain Biking) - a • Motorcycling up accompanied by a
designer footwear, handbags or purses), binoculars, sunglasses, reading helmet must be worn to 125cc (with the qualified instructor
/ prescription glasses, furs, cameras, camcorders, photographic audio in any country where appropriate Irish (see notes below)
video computer television or telecommunications equipment (including it is required by law. motorcycle licence, • Skate Boarding
mobile phones, mobile phone accessories, smart phones, personal digital • Dinghy Sailing+ wearing a crash • Snorkelling
assistant(s), blackberries, iPods, iPads, laptops, tablets, personal organizer’s, • Fell Walking helmet, no racing) + • Squash
notebooks, netbooks, kindles, eBooks, eReaders, CD’s, DVD’s, memory • Fencing • Netball • Surfing (under 14 days)
cards, speakers or headphones, Nintendo DS, games console, computer • Fishing • Non manual • Tennis
games and associated equipment). • Flying as a fare work (Including • Tour Operator Safari
paying passenger professional • Track Events
War in a fully licensed administrative or • Trekking (under
means armed conflict between nations, invasion, act of foreign enemy, hostilities passenger carrying clerical duties only) 2,000 metres
(whether war declared or not), civil war, rebellion, revolution, insurrection or aircraft • Orienteering altitude)
• Football • Paintballing + • Volleyball
military or usurped power. • GAA Football • Parascending/ • War Games + (with
• Golf Parasailing (over eye protection)
Winter Sports • Hiking (under 2,000 water) • Water Polo
means the following: metres altitude) • Pony Trekking – • Water Skiing
• Hockey wearing a helmet • White Water Rafting
1. skiing (including skiing outside the area of the normal compacted snow • Horse Riding (up • Quad biking up to (Grades 1 to 3)
ski slope i.e. ‘off-piste’); to 7 days, no Polo, 50cc (wearing a • Windsurfing
2. tobogganing; Hunting, Jumping) – crash helmet, no • Winter Sports (non-
3. snow boarding; wearing a helmet racing)+ Incidental Basis)
4. ice skating (other than on an indoor rink); • Ice Skating (Rink) • Racquetball • Yachting (racing/
5. ski or ski bob racing; • Jet Boating + • Rambling crewing inside
6. mono skiing; • Jet Skiing+ • River Canoeing (Up territorial waters)+
7. ski jumping; • Jogging to Grade 3) – Life
8. ski boarding; • Kayaking (Grades 1 jacket and helmet
9. ice hockey; or to 3) – Life jacket and must be worn
helmet must be worn • Roller Skating
10. the use of bobsleighs or skeletons.
* Scuba diving – scuba diving to the following depths. Provided the Insured
Person is diving under the direction of an accredited dive marshal,
instructor or guide. Alternatively, if qualified, within the guidelines of the
relevant diving or training agency or organization and not diving alone:
• PADI Open Water – 18 metres
• PADI Advanced Open Water – 30 metres*
• BSAC Ocean Diver – 20 metres
• BSAC Sports Diver – 30 metres*
• BSAC Dive Leader – 30 metres*
White Horse Insurance Ireland dac must agree with any equivalent qualification.
If the Insured Person does not hold a qualification, White Horse Insurance
Ireland dac will only cover the Insured Person to dive to a depth of 18 metres.
The Insured Person will not be covered under this policy if the Insured
Person travels by air within 24 hours after participating in Scuba Diving.
* For the purposes of diving under Sports and Activities: Grade 1.
+ Cover under Section 6 - Personal Liability for those sports and activities
marked with a + is excluded.
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BLUE INSURANCE LIMITED VOTED BEST TRAVEL INSURANCE PROVIDER 2018 BLUE INSURANCE LIMITED VOTED BEST TRAVEL INSURANCE PROVIDER 2018Sports and Activities - Grade 2 Sports and Activities - Grade 3
50% load to cover all activities 100% Loading to cover all activities
The Insured Person can be covered under the Personal Accident and The Insured Person can be covered under the Personal Accident and
Medical Expenses Sections for the following activities provided that the Medical Expenses Sections for the following activities provided that the
activity is on an Incidental Basis (unless stated otherwise below) and subject activity is on an Incidental Basis (unless stated otherwise below) and subject
to an additional Premium being paid and shown on the Policy Schedule. to an additional Premium being paid and shown on the Policy Schedule.
Medical Excess increased to €320 Medical Excess increased to €650
Personal Accident Sum insured reduced by 50% Personal Accident Sum insured reduced by 50%
Personal Liability Cover is Excluded Personal Liability Cover is Excluded
• Boxing Training (no contact) • Rambling/Trekking between • Abseiling • Rambling/Trekking between
• Bungee Jump (up to 3 additional) 2,001m and 4,200m • American Football 4,201m and 6,000m
• Black Water Rafting (Grade 1 to • Safari (non-Irl/UK organised) • Canoeing (Grade 4) – Life jacket (professionally organised trips
4) Life jacket and Helmet must • Scuba Diving* (non-Incidental and Helmet must be worn with experienced operators,
be worn Basis/down to 50m if qualified • Gliding maximum age 45 years)
• Camel/Elephant Riding/Trekking and not diving alone or • Kayaking (Grade 4) – Life jacket • Rugby
(non-Incidental Basis) accompanied by a qualified and Helmet must be worn • Sand Yachting
• Cycle Touring instructor (see notes below) • Motorcycling over 125cc (non- • Yachting (racing/crewing) outside
• Go Karting (specific use) • Sea Canoeing – Life jacket and Incidental Basis – with the territorial waters – Life jacket must
• Horse Riding – wearing a helmet Helmet must be worn appropriate Irish motorcycle be worn
(no Polo, Hunting, Jumping) • Sea Fishing (non-Incidental Basis) licence, wearing a crash helmet, • Zip Lining/Trekking (safety harness
• Hot Air Ballooning – organised • Surfing no racing) must be worn)
pleasure rides only (non- • Tandem Skydive (up to 2 jumps • Paragliding
Incidental Basis) maximum)
• Hurling • Triathlon
• Jet Skiing (non-Incidental Basis) • White Water Rafting (Grade 4) –
• Martial Arts (Training only)
• Mountain Biking
Life jacket and Helmet must be
worn Sports and Activities - Grade 4
• Parascending/Parasailing (over • Waterskiing/Windsurfing/
water, non-Incidental Basis) Snorkelling (non-Incidental Basis) 200% Loading to cover all activities
* Scuba diving – scuba diving to the following depths. Provided the Insured The Insured Person can be covered under the Personal Accident and
Person is diving under the direction of an accredited dive marshal, Medical Expenses Sections for the following activities provided that the
instructor or guide. Alternatively, if qualified, within the guidelines of the activity is on an Incidental Basis (unless stated otherwise below) and subject
relevant diving or training agency or organization and not diving alone: to an additional Premium being paid and shown on the Policy Schedule.
• PADI Open Water – 18 metres
• PADI Advanced Open Water – 30 metres Medical Excess increased to €650
• BSAC Ocean Diver – 20 metres Personal Accident Sum insured reduced by 50%
• BSAC Sports Diver – 35 metres* Personal Liability Cover is Excluded
• BSAC Dive Leader – 50 metres*
• Canyoning • Micro Lighting
White Horse Insurance Ireland dac must agree with any equivalent qualification. • Hang Gliding • Parachuting
If the Insured Person does not hold a qualification, White Horse Insurance • High Diving under 5m (excluding • Parasailing/Parascending (over
Ireland dac will only cover the Insured Person to dive to a depth of 18 metres. cliff diving) land, non-Incidental Basis)
• Horse Jumping – wearing a • Rock Climbing (under 2,000m)
The Insured Person will not be covered under this policy if the Insured helmet (no Polo, Hunting) • Rock Scrambling (under 4,000m)
Person travels by air within 24 hours after participating in Scuba Diving. • Kite Surfing
* For the purposes of diving under Sports and Activities: Grade 2.
Continued on the next page
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BLUE INSURANCE LIMITED VOTED BEST TRAVEL INSURANCE PROVIDER 2018 BLUE INSURANCE LIMITED VOTED BEST TRAVEL INSURANCE PROVIDER 2018What This Policy Covers A. Medical Expenses Incurred Outside Ireland
All reasonable costs necessarily incurred outside Ireland (or outside of the
normal country of residence of the Insured Person if different) for Hospital,
The cover provided by these sections or sub-sections will apply only to nursing home, ambulance, surgical or other diagnostic or remedial
losses occurring during a Period of Insurance and if a benefit amount is treatment given or prescribed by a Qualified Medical Practitioner.
shown in the relevant section or sub-sections in the Schedule.
For medical expenses incurred in the United States of America (USA), White
Horse Insurance Ireland dac will only pay for reasonable and necessary
Section 1: Personal Accident emergency treatment, surgical, Hospital and transportation costs in
accordance to the negotiated rate with the provider, if one exists. If no
If an Accident occurs during the Period of Insurance and Effective Time that negotiated rate with a provider exists, then White Horse Insurance Ireland
causes Bodily Injury to an Insured Person which results in: dac will pay a maximum amount of 150% of the USA Medicare rate.
a) Death Dental treatment is provided for the immediate relief of pain (to natural
teeth only) up to a limit of €500 provided that such treatment is necessarily
b) Loss of one or more limbs incurred by reason of a medical or dental emergency.
c) Loss of sight in one or both eyes White Horse Insurance Ireland dac will normally arrange for the Insured
Person to be admitted to a Hospital for treatment in a public ward. Private
d) Permanent Total Disablement treatment will be considered only where it is deemed necessary e.g.
where, in the opinion of White Horse Insurance Ireland dac, treatment in
White Horse Insurance Ireland dac will pay the Insured Person the amounts a public ward cannot be facilitated or cannot provide the treatment within
shown in the Schedule of Benefits. a reasonable period of time.
Special Conditions White Horse Insurance Ireland dac will only pay for any one loss
under this Section for expenses up to one year from the date of Bodily
1. White Horse Insurance Ireland dac will not pay more than one of the Injury or commencement of Illness up to the sum insured shown in
benefits a) to d) in respect of any one Insured Person for Bodily Injury the Schedule of Benefits less the deduction of any Excess provided
arising from the same loss. that other than in the case of an emergency where immediate action
is required to avert serious health or life threatening consequences,
2. White Horse Insurance Ireland dac will not pay more than the Maximum the Insured or the Insured Person must first contact the Emergency
Limit for benefits a) to d) as shown in Section 1 Personal Accident of the Assistance Service for advice and assistance to be taken prior to
Schedule of Benefits for any one Insured Person arising from the same incurring any costs.
loss.
B. Emergency Repatriation Expenses
3. The Maximum Limit payable in respect of Death of an Insured Person All reasonable costs necessarily incurred in repatriating the Insured Person
under 18 years of age (or under 23 years of age if in Full Time Education) to the most suitable Hospital or to the Insured Person’s home address
shall not exceed €10,000. in Ireland (or outside of the normal country of residence of the Insured
Person if different) provided that such repatriation is medically necessary
4. If the Insured Person was already disabled before the Accident or already and organised by the Emergency Assistance Service.
had a condition which is gradually getting worse, White Horse Insurance
Ireland dac may reduce its payment. Any reduced payment will be based White Horse Insurance Ireland dac will only pay for any one loss under
on White Horse Insurance Ireland dac’s medical assessment of the this Section for expenses up to one year from the date of Bodily Injury or
difference between: a) the disability after the Accident; and b) the extent commencement of Illness up to the sum Insured shown in the Schedule
to which the disability is affected by the disability or condition before the of Benefits less the deduction of any Excess.
Accident.
C. Overseas Hospital Confinement
5. Any contributory degenerative condition or disablement (as determined by After admission to a Hospital as an In-Patient for a continuous period
a Qualified Medical Practitioner) known by the Insured Person to be in of 24 hours or more on the advice of and under the constant supervision
existence at the time of sustaining Bodily Injury will be taken into account by of a Qualified Medical Practitioner. White Horse Insurance Ireland dac
White Horse Insurance Ireland dac in assessing the level of benefit payable. will pay the Insured Person the Benefit Amount shown in the Schedule
of Benefits for each complete twenty-four hour period of such Hospital
Confinement up to the maximum benefit shown in the Schedule of Benefits.
Section 2: Medical Expenses and Other Travel Expenses
D. Other Travel Expenses
Special provision applicable to Section 2 All reasonable additional costs necessarily incurred following the Death,
Other than in the case of an emergency where immediate action is required Bodily Injury or Illness of an Insured Person for:
to avert serious health or life threatening consequences, the Insured Person
must first contact the Emergency Assistance Service for advice and assistance 1. travel and Accommodation of up to two relatives, or friends of the
to be taken prior to incurring any costs described hereafter. Insured Person who on medical advice from a Qualified Medical
Practitioner are advised to travel to or remain with the Insured Person.
Failure to seek such prior advice and assistance may result in White Horse
Insurance Ireland dac declining to pay for any costs incurred. 2. funeral expenses incurred in the burial or cremation of the Insured
Person Abroad.
If the Insured Person becomes ill, suffers Bodily Injury or Complications of
Pregnancy during a Holiday, White Horse Insurance Ireland dac will pay the 3. transporting the Insured Person’s body or ashes for burial in Ireland.
Insured Person up to the amounts shown in the Schedule of Benefits less the
deduction of any Excess amount shown in the Schedule of Benefits for any one
Holiday in respect of:
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BLUE INSURANCE LIMITED VOTED BEST TRAVEL INSURANCE PROVIDER 2018 BLUE INSURANCE LIMITED VOTED BEST TRAVEL INSURANCE PROVIDER 2018i) the Insured Person; or
Section 3: Personal Belongings
ii) a member of the Insured Person’s family.
If the Insured Person sustains loss of or damage to Personal Belongings
during a Holiday White Horse Insurance Ireland dac will pay the Insured White Horse Insurance Ireland dac will pay the Insured Person an amount
Person in respect of such loss or damage up to the amount shown in the equivalent to such loss provided that the terms and conditions under which
Schedule of Benefits less the deduction of any Excess amount shown in the such card has been issued have been fully complied with for such loss up
Schedule of Benefits for any one Holiday provided that: to the amount shown in the Schedule of Benefits for any one Holiday.
a) any item that is lost or stolen, the Insured Person must, as soon as possible
and in any Event within 48 hours of the loss or theft being discovered notify C. Emergency Replacement of Passport, Visa, Travel
the loss to the Police or other appropriate authorities and obtain a written Documents or Driving Licence
loss report If during a Holiday the Insured Person sustains loss or theft of or damage
to:
b) on the happening of any loss or damage White Horse Insurance
Ireland dac shall be entitled: 1. their passport, visa or other essential travel documents White Horse
Insurance Ireland dac will pay the Insured Person in respect of fees
1. to take and keep possession of any article and to deal with salvage charged and any reasonable additional travel or Accommodation
in a reasonable manner expenses incurred in replacing them; or
2. at its own option to repair or replace any article for which it is liable 2. their Driving Licence or International Driving Licence White Horse
Insurance Ireland dac will pay the Insured Person in respect of
c) in the Event of total loss or destruction of any article of Personal fees charged by the appropriate authorities in obtaining any official
Belongings the basis of settlement shall be the cost of replacing the temporary driving licence or replacement licence up to the amounts
article as new provided that: shown in the Schedule of Benefits for any one Insured Person.
1. the replacement article is substantially the same but not better than
the original article when new Section 5: Disruption
2. proof of purchase/ownership is provided for articles valued in excess A. (i) Cancellation, Curtailment or Alteration of Itinerary Expenses
of €200
If an Insured Person is forced to:
3. the receipt for the replacement item is provided
i) cancel any part of a planned Holiday prior to the commencement
4. if an Insured Person cannot evidence their ownership of a Personal of that Holiday: or
Belonging, then a deduction will be made for wear, tear and
depreciation in the value of that Personal Belonging. ii) curtail or alter the itinerary or any part of a planned Holiday:
Delayed Personal Belongings as the direct and necessary result of:
If access is denied to all or part of the Insured Person’s Personal Belongings
for more than the number of hours shown in the Schedule of Benefits during a) the death, Bodily Injury, Illness or Complications of Pregnancy of:
any stage of a Holiday (other than the final return stage to Ireland) for any
reason outside the Insured Person’s control, White Horse Insurance Ireland i) the Insured Person
dac will reimburse the Insured Person in respect of sums paid for the
purchase of essential items of replacement clothing or toilet requisites up to ii) the Insured Person’s Travelling Companion
the amount shown in the Schedule of Benefits. Any amounts paid under this
Delayed Personal Belongings benefit will be deducted from any subsequent iii) any person with whom the Insured Person has arranged to
amounts payable under this section in respect of the same loss. reside temporarily
iv) the Insured Person’s Close Relative
Section 4: Money
v) the Insured Person’s Close Business Associate
A. If the Insured Person sustains loss or damage to Money during a
Holiday, White Horse Insurance Ireland dac will pay the Insured Person b) Compulsory quarantine, on the orders of the treating doctor, jury
in respect of such loss up to the amount shown in the Schedule of service attendance or being called as a witness at a Court of Law of
Benefits less the deduction of any Excess amount shown in the Schedule the Insured Person or the Insured Person’s Travelling Companion.
of Benefits for any one Holiday
c) Redundancy (which qualifies for payment under the current Irish
provided that in respect of: redundancy payment legislation and at the time of booking the
Holiday there was no reason to believe anyone would be made
the Money that is lost or stolen, the Insured Person must within 48 hours redundant) of Insured Person or Insured Person’s Travelling
of the loss or theft being discovered notify the loss to the Police or other Companion.
appropriate authorities and obtain a written loss report.
d) the Insured Person or any person whom the Insured Person is
B. Fraudulent Use of Credit, Debit or Charge Cards travelling or has arranged to travel with are a member of the
If during a Period of Insurance the Insured Person sustains financial loss Armed Forces, Garda, Police, Fire, Nursing or Ambulance Services
directly as a result of a credit, debit or charge card being lost or stolen or employees of a Government Department and they have their
during a Holiday and subsequently being used fraudulently by any person authorised leave cancelled or are called up for operational
other than:- reasons, provided that such cancellation or Curtailment could
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BLUE INSURANCE LIMITED VOTED BEST TRAVEL INSURANCE PROVIDER 2018 BLUE INSURANCE LIMITED VOTED BEST TRAVEL INSURANCE PROVIDER 2018not reasonably have been expected at the time when the Insured not been or will not be used, but which become forfeit or payable
Person purchased this insurance or at the time of booking any under contract up to the amount shown in the Schedule of Benefits
Holiday; for any one Holiday.
e) Burglary at the Insured Person’s Home within 48 hours of the Insured Please note: only those types of delays listed above are covered.
Person’s departure or the police requesting the Insured Person to
return to their home Due To serious damage to the Insured Person’s C. Missed Departure
home caused by fire, aircraft, explosion, storm, flood, subsidence,
malicious persons or theft; 1. If the Insured Person arrives too late at their international departure point
including airport, sea port, coach or train station to commence a booked
White Horse Insurance Ireland dac will pay the Insured Person in respect of: journey from or to Ireland Due To:
a) loss of deposits, or charges for advance payments for travel or i) the car they are using for travel breaking down or being involved in an
Accommodation or other charges which have not been or will not be Accident; or
used, but which become forfeit or payable under contract up to the
amount shown in the Schedule of Benefits for any one Holiday. ii) the Public Transport they are using for travel failing to arrive on
schedule;
b) reasonable additional travel and Accommodation costs necessarily
incurred in returning an Insured Person home provided that: such travel 2. If, as a result of 1. above, the Insured Person arrives too late to travel on
is of a standard no greater than the class of transport on the outbound any onward connecting flights to their final destination.
journey; and
White Horse Insurance Ireland dac will pay up to the amount shown in the
A. (ii) Cancellation Due to Airline Strike Schedule of Benefits for necessary and reasonable Accommodation and
travel expenses to enable the Insured Person to reach their final scheduled
1. If the Insured Person’s pre-booked flight is cancelled Due To strike or destination.
industrial action taken by the staff of the airline on which the Insured
Person was Due To travel White Horse Insurance Ireland dac will pay D. Hijack
the Insured Person in respect of loss of deposits, or charges for advance If during a Holiday the Insured Person is Hijacked White Horse Insurance
payments for Accommodation at their intended destination which will Ireland dac will pay the Insured Person the amount shown in the Schedule of
not be used but which become forfeit or payable under contract up to the Benefits for each complete day that an Insured Person is forcibly or illegally
amount shown in the Schedule of Benefits for any one Holiday. detained up to the maximum amount shown in the Schedule of Benefits.
Provided that In the Event of strike or industrial action; E. Catastrophe
If during a Holiday the Insured Person is forced to move from the pre-booked
a) the Insured Person must: Accommodation as a result of fire, lightning, explosion, earthquake, storm,
tempest, hurricane, flood, tsunami, medical epidemic or local Government
i) obtain written confirmation from the airline of the date and directive which is confirmed in writing by local or national authority and the
duration on which the strike or industrial action occurred. tour company or travel agent is unable to assist White Horse Insurance
Ireland dac will pay up to the amount shown in the Schedule of Benefits
ii) provide the Insured Person’s unused travel tickets. that for irrecoverable travel or Accommodation costs necessarily incurred
to continue with the Holiday or if the Holiday cannot be continued for the
iii) provide receipts or bills for any Accommodation cost claimed for. Insured Person’s return home.
2. the Insured Person may claim either under this sub-section or sub-
section B ii) Delayed Departure for the same Event, not both. F. End Supplier Failure
White Horse Insurance Ireland dac will pay the Insured Person up to the
amount shown in the Schedule of Benefits for:
B. Travel Delay
1. Irrecoverable sums paid in advance in the Event of insolvency of the
i) If the outward or return departure of the aircraft, sea vessel or Travel or Accommodation provider not forming part of an inclusive
publicly licensed conveyance (including pre-booked connecting Holiday prior to departure
publicly licensed transportation) in which the Insured Person has
arranged to travel as part of a Holiday is delayed for at least or
the number of hours shown in the Schedule of Benefits from the
departure time indicated by the carrier Due To strike, industrial 2. In the Event of insolvency after departure:
action, adverse weather conditions, mechanical breakdown or
structural defect affecting that aircraft, sea vessel or publicly a) additional pro rata costs incurred by the Person-Insured in replacing
licensed conveyance White Horse Insurance Ireland dac will pay that part of the travel arrangements to a similar standard of
the amounts shown in the Schedule of Benefits or the cost of the transportation as enjoyed prior to the curtailment of the travel
Holiday whichever is the lesser. arrangements
ii) if a Holiday is abandoned after a delay of at least 24 hours of the or
scheduled departure from Ireland Due To strike, industrial action,
adverse weather conditions, mechanical breakdown or structural b) if curtailment of the Holiday is unavoidable - the cost of return
defect affecting that aircraft, sea vessel or publicly licensed transportation to the Ireland to a similar standard of transportation
conveyance White Horse Insurance Ireland dac will pay the Insured as enjoyed prior to the curtailment of the travel arrangements.
Person in respect of loss of deposits, or charges for advance
payments for travel or Accommodation or other charges which have PROVIDED THAT in the case of 2(a) and (b) above where practicable the Person-
Insured shall have obtained the approval of the insurer prior to incurring the
relevant costs by contacting the insurer as set out below
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BLUE INSURANCE LIMITED VOTED BEST TRAVEL INSURANCE PROVIDER 2018 BLUE INSURANCE LIMITED VOTED BEST TRAVEL INSURANCE PROVIDER 2018You can also read
