Toyota travel Insurance - Policy Document 2013
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toyota travel Insurance
Policy Document 2013
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Travel Insurance Policy ref: VOY/PWCTY/2013
Arranged exclusively for Toyota members. Provided you have paid the appropriate premium, you are covered in
accordance with the full wording shown herein up to the limits indicated below. The limits apply per person for each
separate trip. The excesses apply for each person and each section of each claim. Valid for issue no later than 31st
March 2014.
Benefits table Limits Excess
1. Cancellation or curtailment £5,000 £50* (£20)**
2. Emergency medical expenses £10,000,000 £50
including emergency repatriation
including relative’s additional expenses
including emergency dental treatment £350
3. £1,000 (£20) Nil
4. Personal accident - loss of sight, limb(s) or permanent total disablement £20,000 Nil
maximum payable in the event of death £5,000
maximum payable in the event of death if under 16 £2,000
5. Travel delay (a) £ after 12 hrs delay (b) £ each 12 hrs thereafter (c) £ max (a)£20 (b)£10 (c)£100 Nil
abandonment (after 12 hrs) £5,000 £50
6. Missed departure £500 Nil
7. Baggage - overall limit £1,500 £50
maximum per item, pair or set £200
total limit for all valuables £300
emergency purchases £150 Nil
8. Personal money £300 £50
cash limit (£50 for under 18’s) £125
9. Loss of passport £200 Nil
10. Personal liability £2,000,000 £100
11. £500 (£50) Nil
12. £1,000 (£100) Nil
13. Kennel/cattery fees £500 Nil
14. Legal expenses - max per person/overall limit £25,000/£50,000 £100
Cover under wintersports sections 15, 16 & 17 only applies when taken in conjunction with a wintersports trip
15. Ski equipment - overall limit £400 £50
maximum per item or pair owned or borrowed £250 £50
maximum per item or pair hired £150 Nil
16. Ski pack £200 £50
17. Piste closure (amount per day) £200 (£20) Nil
Journey disruption cover
18. Extended cancellation or curtailment £5,000 £50
18. Extended travel delay & abandonment - £ after 12 hrs delay/£ each 12 hrs thereafter/£ max £20/£10/£100 Nil
18. (or up to £5,000 unused costs) £50
18. Extended missed departure £500 £50
18. Accommodation cover £3,000 £50
Annual multi-trip policy features
Maximum age at start/renewal of cover 69
Maximum period per trip 31 days (extensions available up to 60
days for members aged under 65 years)
Business travel for main policyholder only Yes
Yes
Family members can travel separately Spouse/cohabiting partner only
Wintersports - up to total maximum of 17 days (under 65’s only)
* Maximum excess of £100 per policy per incident. If excess waiver option is selected and shown on your policy schedule,
no excess is payable under any policy section.
** Loss of deposit claims only.
3Important conditions relating to health
In line with all travel insurance policies, there are situations that cannot be covered or they can only be covered if declared to
and accepted by insurers. Failure to do so may result in a claim being declined. Hence please read the points below in
respect of you and your travelling companions insured by us.
1. Are any of you suffering from or have suffered from any form Yes There is no cover for claims related directly or
of cancer that has required treatment in the past 12 months? indirectly to these conditions. However, cover may
No be available by contacting Healthcheck on: 0845
003 5244 9.00am-5.30pm Mon-Fri.
2. Please quote:
than stable well controlled asthma) or any heart related VOY/PWCTY/2013 Toyota
Yes
condition (including angina) and are still taking medication or In most cases cover can be provided. If special
receiving follow up consultations? terms are necessary we will explain them to you
No
You must tell us if, at any time during the period of
insurance and each time you make arrangements
3. Do any of you have any other medical conditions that have
to travel, there is a change in your health and
required specialist referral to a consultant or hospital Yes
you answer ‘yes’ to any of the medical screening
treatment within the last 6 months?
questions by contacting Healthcheck as soon as
No possible so that we may reassess your coverage
relating to any trips you have booked or may wish
Your medical conditions (if any) will be covered. to book in the future.
In respect of travel to all destinations you are not covered for any directly or indirectly related claims if you or any of your
travelling companions, insured under this policy, or any non-traveller upon whose health your travel plans depend;
At the time of taking out or renewing the policy or making arrangements for a trip;
a. have been given a terminal diagnosis.
b. are on a waiting list for treatment or investigation or awaiting the results of any tests or investigation.
c. are currently receiving ongoing treatment at a hospital.
d. have any medical condition for which the recommended treatment or prescribed medication as directed by a medical
practitioner is not being taken.
e. are aware of any medical condition which you/they have but for which a diagnosis has not yet been received.
At any time;
a. are planning to travel against the advice of your doctor or with a view to obtaining medical treatment.
Medical & other emergencies Outpatient treatment
If you need outpatient medical treatment, please provide a
Medical assistance abroad
Our nominated 24 hour emergency service has the medical treatment will be paid for by HealthWatch S.A in line with
expertise, contacts and facilities to help should you be your policy. You will need to pay any excess at the time of
injured in an accident or fall ill. Our nominated 24 hour treatment.
emergency service will also arrange transport to your home Note: some clinics may not wish to settle their bill directly
country when this is considered to be medically necessary or with us and you may be asked to pay for your treatment and
when you have notice of illness or death of a close relative at claim this back upon your return.
home. You must contact them if you are admitted to hospital
and wish to return home by any means other than originally Instructions to outpatient clinics
booked or require medical treatment that will cost more than Please send details of the treatment provided, costs after the
£500 (or the equivalent in local currency). excess deductions and a copy of the
Payment for medical treatment abroad HealthWatch S.A:
If you are admitted to a hospital/clinic while abroad, our Email: newcase@healthwatch.gr
nominated 24 hour emergency service will arrange for Outpatient department fax: HEALTHWATCH S.A.
medical expenses covered by the policy to be paid direct 0030 2310 256455 or 0030 2310 254160.
Outpatient department tel: 0030 2310 808052.
someone must contact our nominated 24 hour emergency You must include your bank account details, IBAN no’s
service for you as soon as possible. Private medical and/or Swift code for payment to be processed electronically.
nominated 24 hour emergency service. Special notice
This is not a private medical insurance and only gives cover
In the case of medical emergency please contact
in the event of an accident or sudden illness that requires
our nominated 24 hour emergency service, emergency treatment. In the event of any medical treatment
Specialty Assist, on telephone number +44 (0) becoming necessary which results in a claim under this
207 902 7412. Please quote: VOY/PWCTY/2013 insurance, the insured person will be expected to allow
Toyota insurers or their representatives unrestricted reasonable
Email: operations@specialty-assist.com access to all their medical records and information.
4Reciprocal health agreements Insurers
EU, EEA or Switzerland Arranged by Voyager Insurance Services Ltd and
If you are travelling to countries within the European Union underwritten by AXA Insurance UK plc.
(EU), the European Economic Area (EEA) or Switzerland you
are strongly advised to obtain a European Health Insurance Registered in England No. 78950.
Card (EHIC). You can apply for an EHIC either on line at www.
ehic.org.uk or by telephoning 0845 606 2030. This will entitle Voyager Insurance Services Ltd and AXA Insurance UK plc,
are authorised and regulated by the Financial Services
between countries within the EU/EEA or Switzerland. In the Authority. This can be checked on the FSA’s register by
event of liability being accepted for a medical expense which visiting the FSA’s website at www.fsa.gov.uk or by contacting
has been reduced by the use of a European Health Insurance them on 0845 606 1234.
Card we will not apply the deduction of excess under section
2 - emergency medical expenses.
Australia Compensation scheme
If you require medical treatment in Australia you must enrol AXA Insurance UK plc. is covered by the Financial Services
Compensation Scheme (FSCS). You may be entitled to
compensation from the scheme, if they cannot meet their
receive treatment. In-patient and out-patient treatment at a obligations. This depends on the type of business and the
public hospital is then available free of charge. Details of how circumstances of the claim. You can get more information
to enrol and the free treatment available can be found by about compensation scheme arrangements from the FSCS.
visiting the MEDICARE website on www.medicareaustralia.
gov.au or by emailing medicare@medicareaustralia.gov.au. Data Protection Act 1998
Alternatively please call our nominated 24 hour emergency
To set up and administer your policy we will hold and use
service for guidance. If you are admitted to hospital contact
information about you supplied by you and by medical
must be made with our nominated 24 hour emergency
service as soon as possible and their authority obtained in
other companies acting on our instructions including those
respect of any treatment NOT available under MEDICARE.
located outside the European Economic Area.
How to make a claim Governing law
For all claims other than medical emergencies please notify
You and we can choose the law which applies to this policy.
the claims handlers either by contacting the telephone
We propose that English Law applies. Unless we and you
number below or via their website. Please quote: VOY/
agree otherwise, English Law will apply to this policy.
PWCTY/2013 Toyota.
Rightpath Claims Cancellation rights
Tel: 0844 887 0305 (9am - 5pm Mon-Fri)
We hope you are happy with the cover this policy provides.
Email: claim@rpclaims.com
Website: www.rpclaims.com
not meet with your requirements, please return it to Philip
Airport House, Purley Way, Croydon CR0 0XZ
Williams & Co., within 14 days of receipt and we will refund
Please do not send in any documentation until you have a your premium. We reserve the right to deduct from the rebate
completed claim form to go with it. The claim form lists the of premium the reasonable costs incurred in processing the
additional documentation necessary to support your claim. original sale and cancellation. We shall not be bound to
Always make sure that any loss or theft of valuables or any accept renewal of any insurance and may at any time cancel
items are reported to the police within 24 hours of discovering any insurance document by sending 14 days notice to you
the loss or as soon as possible after that, and a written at your last known address. Provided the premium has been
report obtained in the country where the incident occurred. If paid in full, you shall be entitled to a proportionate rebate of
your baggage is damaged or lost in transit whilst “checked- premium in respect of the unexpired period showing on the
in” you must report it to the handling agents or airline as insurance.
soon as possible on collection and obtain a Property
Irregularity Report. These reports (if applicable to your claim), Extensions to policy
together with all available receipts and any other requested 1. Longer trips - extensions for trips over 31 days are
documentation, must be submitted with your claim form. available for members aged under 65 years upon request
to a maximum of 60 days. An additional charge will be
Territorial limits made.
You are covered for trips to countries within the following 2. Sports & activities - please check the list of activities on
areas provided that you have paid the appropriate premium, page 16. If you are planning to take part in any activity
listed in level 1 you will automatically be covered under
Area 1 The continent of Europe West of the Ural this policy. If you are planning to take part in any activity
mountains, any country with a Mediterranean listed in level 2 you will need to pay an additional premium.
coastline (excluding Algeria, Libya & Israel), If the activity in which you are participating is not listed or
the Channel Islands, the Canary Islands, the you need to pay an additional premium for those activities
Isle of Man, Madeira and Iceland. listed in level 2, please contact Philip Williams & Co. on
Area 2 Worldwide 01925 861019.
If you have bought the annual multi-trip option, trips wholly
within your home country are also insured but only if they
include a minimum of 2 nights away from home in pre-
5Definitions Relative means husband, wife or civil partner (or partner
Listed below are certain words that appear throughout the with whom you are living at the same address), parent,
policy. In all cases they will have the meanings shown below. grandparent, parent-in-law, brother, sister, child, grandchild,
brother-in-law, sister-in-law, son-in-law, daughter-in-law or
Accident/accidental means a sudden, unexpected, unusual,
Ski equipment means skis, snowboards, ski-poles, bindings,
causes, resulting directly, immediately and solely in physical ski-boots and snowboard boots.
bodily injury which results in a loss.
Terrorism means an act, including but not limited to the
Baggage means personal belongings, including clothing use of force or violence and/or threat thereof, of any person
worn, and personal luggage owned or borrowed by you that or group(s) of persons, whether acting alone or on behalf of
you take with you or buy on your trip. or in connection with any organisation(s) or governments,
committed for political, religious, ideological or similar
Breakdown means that the vehicle in which you are
travelling stops as a result of mechanical or electrical failure and/or to put the public, or any section of the public, in fear.
due to any cause other than lack of fuel, oil or water.
Trip means any holiday, leisure or business trip which begins
Business colleague means any person that you work closely and ends in your home country for which you have paid the
with whose absence for a period of one or more complete appropriate premium.
days necessitates the cancellation or curtailment of the trip
Unattended means out of your immediate control and
supervision such that you are unable to prevent loss, theft or
Curtailment/curtail means cutting your planned trip short by damage occurring.
early return to your home country or admission to hospital as
Valuables means watches, furs, jewellery, photographic
equipment, binoculars, telescopes, spectacles, sunglasses
and electronic equipment and its media, antiques, musical
Europe means the continent of Europe West of the Ural instruments and unset precious stones. * Please note that
mountains, any country with a Mediterranean coastline, the exclusions may apply for valuables that are lost, damaged or
Canary Islands, Madeira and Iceland. stolen whilst as checked-in baggage. It is therefore important
that you store your valuables in your carry-on or hand
Expert witness luggage and they are under your supervision at all times.
law because they have specialist knowledge in a particular
We, us and our means AXA Insurance UK plc., Registered
their opinion on the meaning of facts.
England No. 78950.
Family means subscribing member, their cohabiting partner
and any number of their dependent children aged under 21 Wintersports means cross country (Nordic skiing), glacier
years, all normally residing together in their family home. skiing, recreational racing, snowmobiling, mono skiing, off-
piste skiing or snowboarding (provided local safety guidelines
Home means your normal place of residence in the United and warnings are observed), on-piste skiing, on-piste
Kingdom, Channel Islands or Isle of Man. snowboarding, snow blading and sledging.
Home country means whichever one of the United Kingdom, You and your means each person for whom the premium has
Channel Islands or Isle of Man is your usual place of been paid and whose age does not exceed the maximum
residence.
United Kingdom, Channel Islands or the Isle of Man and
Medical practitioner means a registered practising member registered with a medical practitioner in your home country.
of the medical profession registered in the country where Each person is separately insured.
you are treated who is not related to you or any person with
whom you are travelling.
Mugging means a violent, threatening attack by a third party
causing actual bodily harm.
Non-traveller means your relatives or business colleagues
who are not travelling with you, and people with whom you
have arranged to stay.
Personal money means cash, being bank notes and
coins, travellers’ cheques, postal orders, travel tickets and
accommodation vouchers carried by you for your personal
use.
Public transport means any aeroplane, ship, train or coach
on which you are booked to travel.
6Section 1 ii. are on a waiting list for treatment or investigation or are
Cancellation or curtailment awaiting the results of any tests or investigations.
iii. are currently receiving ongoing treatment at a hospital.
(Cover under this section starts from the date shown on your e. any directly or indirectly related claim if you or any of your
schedule or the date travel is booked, whichever is the later). travelling companions insured under this policy are
You are covered planning to travel against the advice of a doctor or with a
table for your proportionate share of the unused travel and view to obtaining medical treatment.
accommodation costs (including unused pre-booked f. any cost incurred in respect of visas obtained in
excursions up to a value of £150) that have been paid or connection with the trip.
where there is a contract to pay that cannot be recovered g. disinclination to travel.
from anywhere else if it is necessary to cancel or curtail the h. claims arising from your anxiety, stress, depression or any
planned trip because of any of the following events involving other mental or nervous disorder unless you provide a
you or a travelling companion insured under this policy that
professional stating that this necessarily and reasonably
a. i. unforeseen injury, illness or death, or prevented you from travelling.
ii. unforeseen complications arising as a direct result of i. failure to obtain the necessary passport, visa or permit for
pregnancy; your trip.
suffered by you, a travelling companion or a non-traveller. j. the cost of your unused original tickets where our
b. the accidental injury, illness or death of your relative or that nominated 24 hour emergency service or we have
of a travelling companion, a business colleague or person arranged and paid for you to come home following
with whom you intended to stay. curtailment of the trip. If however you have not purchased
c. receipt of a summons for jury service, being called to court a return ticket, we reserve the right to deduct the cost of
as a witness (but not as an expert witness) or being placed
in compulsory quarantine. incurred which are medically necessary to repatriate you
d. your unexpected requirement for emergency and to your home.
unavoidable duty as a member of the armed forces,
Please note that curtailment claims will be calculated from
the day you return to your home country or you are
resulting in cancellation of previously agreed leave.
hospitalised as an in-patient. Your claim will be based solely
e. redundancy, provided that you are entitled to payment on the number of complete nights' accommodation lost. In
under the current redundancy payments legislation and respect of travel expenses, we will pay for any additional
that at the time of booking your trip you had no reason to costs but not for the loss of your pre-booked arrangements.
believe that you would be made redundant.
f. your presence being required to make your property safe Conditions
It is a requirement of this insurance that if you;
damage at your home within 48 hours prior to your a. (for cancellation) become aware of any circumstances
departure, or whilst you are away. which make it necessary for you to cancel your trip, you
g. must advise your tour operator or travel agent in writing
accident within 7 days prior to your departure. This only within 48 hours. The maximum amount we will pay will be
applies if you are planning to go on a self-drive trip in the limited to the applicable cancellation charges at that time.
car. b. (for curtailment) wish to return home differently to your
original plans and claim any additional costs under this
You are not covered for insurance, you must contact our nominated 24 hour
a. emergency service and obtain their agreement to the new
b. anything not included in You are covered above. arrangements. Failure to do so will affect the assessment
c. any claim directly or indirectly arising out of; of your claim.
i. any cancerous condition for which you or any of your
travelling companions insured under this policy have Please also refer to the general exclusions and
received treatment in the last 12 months. conditions.
controlled asthma) or any heart related condition (including Section 2
angina) for which you or your travelling companions Emergency medical expenses
insured under this policy are still taking medication or
receiving follow up consultations. You are covered
iii. any other medical condition suffered by you or any of table for either the necessary and reasonable costs incurred
your travelling companions insured under this policy that as a result of your unforeseen bodily injury, illness, death or
has required specialist referral to a consultant or hospital complications arising as a direct result of pregnancy during
treatment within the last 6 months. your trip in respect of;
a. emergency medical, surgical and hospital treatment and
We may agree not to apply (c) above or to accept this transportation. At the sole discretion of our nominated 24
insurance at special terms but only if you supply us with hour emergency service, who reserve the right to make the
details of your condition. Please contact Healthcheck on
0845 003 5422 quoting VOY/PWCTY/2013. necessary, this also includes the cost of repatriation to
d. any directly or indirectly related claims if at the start date your home country, by whatever means deemed medically
or renewal of this policy and each time you make necessary. The cost of emergency dental treatment to
arrangements for a trip, you or your travelling companions natural teeth is covered up to the amount shown in the
insured under this policy or any non-traveller upon whose
health your travel plans depend; pain only.
i. have been given a terminal prognosis.
7b. additional travel and accommodation expenses (on a bed g. any expenses related to treatment or services provided by
& breakfast basis) to enable you to return home if you are a health spa, convalescent or nursing home or any
unable to travel as originally planned. rehabilitation centre unless agreed by our nominated 24
c. additional travel and accommodation expenses (on a bed hour emergency service.
& breakfast basis) for; h. any expenses incurred in England, Scotland, Wales or
i. a travelling companion to stay with you and accompany Northern Ireland that are funded by or are recoverable
you home, or from the health authority in your home country.
ii. a relative or friend to travel from your home country to i. any expenses for treatment not related to the injury or
stay with you and accompany you home. illness which necessitated your admittance to hospital.
d. returning your remains to your home or of a funeral in the j. normal pregnancy, without any accompanying bodily
country where you die, up to the equivalent cost of injury, illness or complication. This section is designed
returning your remains to your home country. to provide cover for unforeseen events, accidents and
e. with the prior agreement of our nominated 24 hour illnesses. Normal childbirth would not constitute an
emergency service, your necessary additional travel unforeseen event.
expenses to return home following the death, injury or k. exploratory tests unless they are normally conducted as
illness of a travelling companion or of your relative or a direct result of the condition which required referral to
business colleague in your home country. hospital.
l. claims related to manual labour unless declared to and
You are not covered for
accepted by insurers.
a.
respect of each claim unless a recovery can be made m. the additional costs of accommodation in a single or
under the terms of the EHIC or any other reciprocal private room, unless it is medically necessary or there is
agreement. no alternative.
b. any claim directly or indirectly arising out of; n. the costs of medical treatment that you knew at the time
i. any cancerous condition for which you or any of your of your departure would need to be continued during your
travelling companions insured under this policy have trip.
received treatment in the last 12 months. o. the costs of replacing or repairing false teeth or of dental
work involving the use of precious metals.
controlled asthma) or any heart related condition (including p. the cost of your unused original tickets where our
angina) for which you or your travelling companions nominated 24 hour emergency service or we have
insured under this policy are still taking medication or arranged and paid for you to come home following
receiving follow up consultations. curtailment of the trip. If however you have not purchased
iii. any other medical condition suffered by you or any of a return ticket, we reserve the right to deduct the cost of
your travelling companions insured under this policy that
has required specialist referral to a consultant or hospital incurred which are medically necessary to repatriate you
treatment within the last 6 months. to your home.
We may agree not to apply (b) above or to accept this Important conditions
insurance at special terms but only if you supply us with Please note that it is essential under the terms of this
details of your condition. Please contact Healthcheck on insurance that;
0845 003 5244 quoting VOY/PWCTY/2013. a. In the event of any illness, injury, accident or
hospitalisation involving anyone insured under this policy
c. any directly or indirectly related claims if at the start date where the anticipated costs are likely to exceed £500
or renewal of this policy and each time you make (or its equivalent in local currency) you must notify our
arrangements for a trip, you or your travelling companions nominated 24 hour emergency service. They will direct
insured under this policy or any non-traveller upon whose you to an appropriate medical facility and may be able
health your travel plans depend; to guarantee costs on your behalf. If it is not possible to
i. have been given a terminal prognosis. notify them in advance because the condition requires
ii. are on a waiting list for treatment or investigation or are immediate treatment to save life or limb our nominated
awaiting the results of any tests or investigations. 24 hour emergency service must be contacted as soon
iii. are currently undergoing a course of treatment as possible. Failure to do so will affect the assessment of
prescribed by a specialist or hospital consultant. your claim.
d. any directly or indirectly related claim if you or any of your b. Wherever possible you must use medical facilities that
travelling companions insured under this policy are
planning to travel against the advice of a doctor or with a agreements such as the EHIC in Europe and MEDICARE
view to obtaining medical treatment. in Australia.
e. any treatment or surgery;
i. which is not immediately necessary and can wait until Important note on mobile phones
you return home. Mobile telephones are convenient, but expensive. Even if
ii. which in the opinion of our nominated 24 hour you ask someone to call you back on your mobile telephone,
emergency service is considered to be cosmetic, you may still have to pay the bill for the international element.
experimental or elective. You will also be charged for calls made on a mobile
iii. carried out in your home country or more than 12 telephone via a freephone number. For these reasons we ask
months after the expiry of this insurance. that wherever possible you contact us from a landline. If it is
f. any expenses incurred after the date which, in the opinion absolutely essential that you do use a mobile telephone, then
of our nominated 24 hour emergency service, you should we will consider reimbursing the charges to a maximum of
be moved to an alternative facility or repatriated to your £25, if we believe they have been reasonably incurred.
home country, but despite which advice, you decide not to Please also refer to the general exclusions and
be moved or repatriated. conditions.
8Section 3 Section 5
Hospital stay benefit Travel delay and abandonment
You are covered Travel delay
for each night spent receiving in-patient hospital treatment You are covered up to the amounts (a), (b) and (c) shown in
outside of your home country that is covered under section
2 - emergency medical expenses. which you are booked to travel is delayed by at least 12
hours.
Please also refer to the exclusions and conditions
relating to section 2 - emergency medical expenses and
each subsequent complete 12 hour period, up to the
the general exclusions and conditions.
maximum payable (c).
Abandonment
Section 4 However, if you are delayed on your outward journey from
Personal accident your home country such that you will arrive at your
destination more than 24 hours after the original scheduled
You are covered
arrival time and you choose to abandon your trip instead of
if you have an accident whilst you are on your trip which is
a payment for delay, you are covered for the cost of the trip,
the sole and independent cause of your death, permanent
up to the maximum claimable under section 1 - cancellation
total disablement, loss of sight or loss of limb(s) within 12
or curtailment.
months of the accident.
If you are aged under 16 at the date of the accident, the You are not covered
amount you are covered for in the event of your death is a. for a claim caused by a strike if it had started or been
announced before you arranged this insurance or booked
your trip, whichever is the later.
Payment under this section in respect of all the b. if you fail to check-in on time.
consequences of an accident shall be limited in total to the
c. if transport services are withdrawn as the result of a
recommendation or instruction from the Civil Aviation
death within 12 months of the accident, the total payment will
Authority, Port Authority or similar body.
be limited to the amount shown for death.
d.
‘Accident’ respect of each claim for abandonment.
e. to claim under this section if you have also claimed under
time and place and independently of all other causes, section 6 - missed departure from the same cause.
resulting directly, immediately and solely in physical bodily
injury which results in a loss. Please also refer to the general exclusions and
‘Permanent total disablement’ means that for the twelve conditions.
months following your accident you are totally unable to work
in any relevant occupation and at the end of that time there is Section 6
no prospect of improvement.
‘Loss of limb(s)’ means physical loss of a hand or foot or
Missed departure
permanent loss of use of a hand, arm, foot or leg. You are covered
‘Loss of sight’ means total and permanent loss of sight table for necessary additional accommodation (on a bed &
which shall be considered as having occurred; breakfast basis) and travel expenses that you incur in
a. in both eyes if your name has been added to the Register reaching your destination if you arrive at any departure point
shown on your pre-booked itinerary too late to board the
ophthalmic specialist, or public transport on which you are booked to travel as a result
b. in one eye if the degree of sight remaining after correction of;
is 3/60 or less on the Snellen scale. a. the failure of public transport, or
b.
You are not covered for vehicle in which you are travelling.
a. claims arising out of manual labour.
b. a ‘permanent total disablement’ claim if at the date of the You are not covered
accident you are over the statutory retirement age or are a. for a claim caused by a strike if it had started or been
not in full time paid employment. announced before you arranged this insurance or booked
c. the contracting of any disease, illness and/or medical your trip, whichever is the later.
condition. b. to claim under this section if you have also claimed under
d. the injection or ingestion of any substance. section 5 - travel delay from the same cause.
e. any event which directly or indirectly exacerbates a c. for any claim for more than the cost of the original booked
previously existing physical bodily injury. trip.
f. Conditions
Special condition relating to section 4 - personal accident It is a condition of this insurance that you must;
a. a. have planned to arrive at your departure point in advance
estate. of your earliest scheduled check-in time and provide a
written report from the carrier, police or relevant transport
Please also refer to the general exclusions and
conditions. b. obtain a report from repairers if your claim is because of
breakdown or accident to your car.
Please also refer to the general exclusions and
conditions.
9Section 7 Section 8
Baggage Personal money
You are covered (Cover under this section starts at the time of collection from
table, after making reasonable allowance for wear, tear and the bank, or 72 hours prior to departure, whichever is the
depreciation for the loss or theft of, or damage to; later).
a. your baggage,
You are covered
b. your valuables. table for loss or theft of personal money.
We may at our option replace, reinstate or repair the lost or You are not covered for
damaged baggage. a.
You are also covered respect of each claim.
table in respect of emergency purchases for the reasonable b. loss or theft from an unattended motor vehicle at any time.
cost of buying essential requirements if you are deprived of c.
your baggage for more than 12 hours after arrival at your respect of all cash carried by you whoever it may belong
outbound destination. You must provide receipts for the to.
items that you buy. If your baggage is permanently lost, any d. any loss resulting from shortages due to error, omission,
amount that we pay for emergency purchases will be depreciation in value or variations in exchange rates.
deducted from the total claim. e. loss or theft of personal money whilst unattended unless
You are not covered for locked in a hotel safe (or equivalent facility) or locked in
a. your private accommodation.
in respect of each claim, except for emergency purchases.
Please also refer to the special exclusions and conditions
b.
shown below and to the general exclusions and
one item, pair or set in respect of baggage and valuables.
conditions.
c. any additional value an item may have because it forms
part of a pair or set.
d. baggage stolen from an unattended motor vehicle between Section 9
the hours of 9p.m. and 8 a.m. or, if the theft occurs at any Loss of passport
other time of day, unless the vehicle is being used or travel
You are covered
between different points of overnight accommodation.
table following loss or theft of your passport for any
e. loss or theft of or damage to valuables whilst they are reasonable additional necessary costs incurred in obtaining
unattended unless locked in a hotel safe (or equivalent a replacement to enable you to continue your trip or return to
facility) or locked in your private accommodation. your home country.
f.
accident to the aeroplane, ship or vehicle in which they are You are not covered for loss or theft from an unattended
being carried. motor vehicle at any time or from baggage whilst in transit
g. loss or theft of or damage; unless you are carrying it.
i. to household goods, bicycles, waterborne craft and their Please also refer to the special exclusions and conditions
shown below and to the general exclusions and
conditions.
iii. to watersports and ski equipment. Special exclusions applicable to sections 7, 8 & 9
iv. to contact lenses, dentures and hearing aids.
v. to baggage in transit unless reported to the carrier as You are not covered for
soon as possible and a written Property Irregularity Report a. loss or theft of anything left unattended in a public place,
is obtained. including on a beach.
vi. mobile telephones, computers and/or accessories, b. loss or theft of valuables, personal money or passport
(including games and games consoles [but not including unless reported to the police within 24 hours of
handheld games consoles], PDA’s, personal organisers, discovering the loss, or as soon as possible after that, and
laptops and electronic navigation equipment) and a written report obtained in the country where the incident
televisions. Please note that these items may be more occurred.
appropriately insured on a household all risks policy where c. loss of bonds or securities of any kind.
the full value may be covered worldwide 365 days a year. d.
vii.to baggage sent by post, freight or any other form of
unaccompanied transit.
Special conditions applicable to sections 7, 8 & 9
viii. to sports clothes and equipment whilst in use.
It is a requirement of this insurance that you must;
ix. caused by moth or vermin or by gradual wear and tear
a. in the event of a claim,
in normal use.
i. provide receipts or other documentation to prove
x. caused by any process of cleaning, repairing or restoring.
ownership and value, especially in respect of valuables
and,
carried in your baggage.
ii. retain any damaged items for our inspection.
h. mechanical or electrical breakdown.
b. take care of your property at all times and take all practical
i. loss, theft or damage to business equipment, business goods, steps to recover any item lost or stolen. Failure to exercise
samples, tools of trade and other items used in connection all reasonable care may result in your claim being reduced
with your business, trade profession or occupation. or declined.
Please also refer to the special exclusions and conditions
Please also refer to the general exclusions and
shown below and to the general exclusions and
conditions.
conditions.
10Section 10 You are not covered for claims for mugging, unless reported
to the police within 24 hours of the assault or as soon as
Personal liability possible after that, and a written report obtained in the
You are covered country where the incident occurred.
table, plus legal costs incurred with our written consent for
Please also refer to the conditions and exclusions under
any claim or series of claims arising from any one event or
section 2 - emergency medical expenses, and to the
source of original cause, if you are held legally liable for
general exclusions and conditions.
causing;
a. accidental bodily injury to someone else, or
b. accidental loss or damage to someone else's property, Section 12
including your temporary trip accommodation and its Hijack benefit
contents.
You are covered
You are not covered for table if the aircraft on which you are travelling as a passenger
a. or the crew of the aircraft are hijacked.
respect of each claim. You are not covered for claims arising from you, your family
b. any liability arising from loss or damage to property that is; or your business connections having been or being engaged
i. owned by you or a member of your family or your in activities that could reasonably be expected to increase
travelling companions insured under this policy, or the risk of hijack.
ii. in your care, custody or control, other than your
temporary trip accommodation and its contents, not Please also refer to the general exclusions and
owned by you or a member of your family or your conditions.
travelling companions insured under this policy.
c. any liability for bodily injury, loss or damage; Section 13
i. to your employees or members of your family or Kennel/cattery fees
household or your travelling companions insured under
this policy or to their property. You are covered
ii. arising out of or in connection with your trade, table for additional kennel or cattery costs incurred for your
profession or business, or assumed under contract. dog or cat if you are delayed in returning from your trip for an
iii. arising out of the ownership, possession, use or insured reason.
occupation of land or buildings. Please also refer to the general exclusions and
iv. arising directly or indirectly from or due to ownership, conditions.
possession or use of any motorised or mechanical
vehicles including attached trailers or caravans, any
aircraft (whatsoever), any watercraft or vessel (other than
Section 14
manually propelled watercraft or vessel) or any other form Legal expenses
of motorised leisure equipment. You are covered
v. arising directly or indirectly from or due to ownership, table for legal costs and expenses incurred in pursuit of a
claim for compensation or damages from a third party who
vi. arising directly or indirectly from or due to any animals causes your death, bodily injury or illness during your trip.
belonging to you or in your care, custody or control.
Where there are two or more persons insured by this policy,
vii. arising out of your criminal, malicious or deliberate
then the maximum amount we will pay for all such claims
acts.
shall not exceed £50,000.
viii. arising out of dangerous sports or pastimes including
contact sports unless declared to and accepted by us. You are not covered for
ix. arising directly or indirectly from the transmission of any a.
contagious or infectious diseases or virus. respect of each claim.
b. any costs and expenses;
Condition
i. to pursue a claim against any member of your family or
If something happens that is likely to result in a claim, you
any of your travelling companions.
must notify the claims handlers in writing as soon as
ii. incurred without prior written permission from the claims
possible. You must not discuss or negotiate your claim with
handlers.
any third party without the written consent of the claims
iii. which are to be based directly or indirectly on the
handlers. Any related correspondence or documentation that
amount of any award.
you receive must be sent as soon as possible, unanswered,
iv. claims by you other than in a private capacity.
to the claims handlers.
v. if we think an action is unlikely to succeed or if we think
Please also refer to the general exclusions and the costs will be greater than any award.
conditions. vi. to pursue a claim against your tour operator, travel
agent, or us or our agents.
Section 11 vii.to pursue legal action relating directly or indirectly to
medical negligence or any allegation thereof.
Mugging benefit
Conditions
You are covered
a. we will have complete control over the appointment of any
table for each night spent receiving hospital treatment during
solicitor(s) acting on your behalf and of any legal
your trip as a result of bodily injuries sustained by you during
proceedings.
a mugging.
b. we will be entitled to repayment of any amounts paid
under this section in the event that you are awarded legal
costs as part of any judgement or settlement.
11c. we will be entitled to add any amounts we have paid under
Age of equipment Proportion of original purchase price
this insurance to the claim against the third party and to
recover such amounts from any compensation awarded Up to 1 year 85%
to you. Up to 2 years 65%
Please also refer to the general exclusions and Up to 3 years 45%
conditions. Up to 4 years 30%
Up to 5 years 20%
Section 15 Over 5 years NIL
Ski equipment
Please also refer to the general exclusions and
You are covered
conditions.
table, after making reasonable allowance for wear, tear and
depreciation and subject to the special condition shown
below, for; Section 16
a. loss or theft of, or damage to ski equipment owned or Ski pack
borrowed by you.
You are covered
b. loss or theft of, or damage to ski equipment hired by you.
table for the proportionate value of any ski pass, ski hire or
c. the cost of necessary hire of ski equipment following;
ski school fee that you are unable to use following;
i. loss or theft of, or damage to, your ski equipment
a. accidental injury or sickness that prevents you from skiing,
insured by us, or
ii. the delayed arrival of your ski equipment, subject to you
b. loss or theft of your ski pass.
being deprived of their use for not less than 12 hours.
You are not covered for
We may at our option replace, reinstate or repair the lost or
a.
damaged ski equipment.
respect of each claim.
You are not covered for b. loss or theft of ski pass not reported to the police within
a. 24 hours of discovering the loss, or as soon as possible
each claim other than claims for hire costs. after that, and a written report or reference obtained in the
b. ski equipment stolen from an unattended motor vehicle country where the incident occurred.
between the hours of 9p.m. and 8a.m. or, if stolen at any
Please also refer to the general exclusions and
other time, unless they were forcibly removed whilst
conditions.
locked either inside the vehicle or to a purpose designed
ski rack.
c. damage to ski equipment whilst in use for race training or Section 17
racing. Piste closure
d. your damaged ski equipment unless returned to the (Valid for the period 15th December to 31st March only).
United Kingdom for our inspection.
e. loss or theft of ski equipment not reported to the police You are covered
within 24 hours of discovering the loss, or as soon as table for each day that it is not possible to ski because all
possible after that, and a written report or reference piste’s are closed due to a complete lack of snow, adverse
obtained in the country where the incident occurred. conditions or avalanche danger in your pre-booked trip
resort, up to the total amount shown either;
f. loss or theft of, or damage to, ski equipment whilst in
a. for the costs you have paid for travel to an alternative
transit unless reported to the carrier and a Property
resort including the necessary additional cost of a ski
Irregularity Report obtained.
pass, or
g. loss or theft of, or damage to, ski equipment over 5 years
b. a compensation payment to you after you return where no
old.
alternative is available.
h. loss or damaged caused by wear and tear, depreciation
(loss in value), atmospheric or climatic conditions, moth, You are not covered
vermin, any process of cleaning, repairing or restoring, a. if you arranged this insurance or booked your trip within
mechanical or electrical breakdown. 14 days of departure and at that time there was a lack of
i. snow in your planned resort such that it was likely to be
not possible to ski.
b. any circumstances where transport costs, compensation
Special condition applicable to section 15
or alternative skiing facilities are provided to you.
a. the maximum we will pay for any one article, pair or set of
articles if the proportion of original purchase price shown Conditions
a.
whichever is the less. authorities or ski lift operators for the period that there was
b. in the event of a claim you must; no skiing available owing to the closure of all ski lifts.
i. provide receipts or other documentation to prove b. you must submit receipts for the travel and ski pass costs
ownership and value, especially in respect of valuables, that you wish to claim.
and
Please also refer to the general exclusions and
ii. retain any damaged items for our inspection.
conditions.
c. take care of your property at all times and take all practical
steps to recover any item lost or stolen. Failure to exercise
all reasonable care may result in your claim being reduced
or declined.
12Section 18 trip because the alternative transport offered by the public
Journey disruption cover transport operator was not reasonable. The amount
payable will be calculated after deduction of the amount
Extended cancellation or curtailment of the refund on your ticket(s) together with any
What is covered compensation from the public transport operator.
Section 1 – cancellation or curtailment is extended to include You can only claim under subsections 1. or 2. for the same
the following cover. event, not both. If the same costs, charges or expenses are
We will pay you up to £5,000 for any irrecoverable unused also covered under section 5 – travel delay you can only
travel and accommodation costs (including excursions up to claim for these under one section for the same event.
£150) and other pre-paid charges which you have paid or are Extended missed departure
contracted to pay, together with any reasonable additional What is covered
travel expenses incurred if; Section 6 – missed departure is extended to include the
a. you were not able to travel and use your booked following cover.
accommodation, or We will pay you up to £500 for reasonable additional
b. the trip was curtailed before completion, accommodation (room only) and travel expenses necessarily
as a result of the Travel Advice Unit of the Foreign & incurred in reaching your overseas destination or returning to
your home country if you fail to arrive at the departure point
Organisation (WHO) or regulatory authority in a country to/ in time to board any onward connecting public transport on
from which you are travelling issuing a directive; which you are booked to travel, following completion of the
1. prohibiting all travel or all but essential travel to; or initial international journey, including connections within your
2. home country on the return journey to your home as a result of:
area or event to which you were travelling, providing the 1. the failure of other public transport, or
directive came into force after you purchased this 2. strike, industrial action or adverse weather conditions, or
insurance or booked the trip (whichever is the later), or in 3. you being denied boarding (because there are too many
the case of curtailment after you had left your home passengers for the seats available) and no other suitable
country to commence the trip.
Extended travel delay & abandonment If the same expenses are also covered under section 6 –
What is covered missed departure you can only claim for these under one
Section 5 – travel delay & abandonment is extended to section for the same event.
include the following cover. Accommodation cover
We will pay you one of the following amounts; What is covered
1. if the public transport on which you are booked to travel is We will pay you up to £3,000 for either;
cancelled or delayed, leading to your departure being 1. any irrecoverable unused accommodation costs (including
delayed for more than 12 hours at the departure point of excursions up to £150) and other pre-paid charges which
any connecting public transport in your home country or to you have paid or are contracted to pay because you were
your overseas destination or on the return journey to your not able to travel and use your booked accommodation, or
home country we will pay you; 2. reasonable additional accommodation and transport costs
a. incurred;
each full 12 hours delay after that, up to a maximum of a. up to the standard of your original booking, if you need
£100 (which is meant to help you pay for telephone calls to move to other accommodation on arrival or at any other
made and meals and refreshments purchased during the time during the trip because you cannot use your booked
delay) provided you eventually continue the trip. accommodation, or
2. we will pay you up to £5,000 for either; b. with the prior authorisation of the our nominated 24
a. any irrecoverable unused accommodation and travel hour emergency service to repatriate you to your home if it
costs (including excursions up to £150) and other pre-paid becomes necessary to curtail the trip;
charges which you have paid or are contracted to pay as a result of the insolvency of the providers of the
because you were not able to travel and use your booked
accommodation as a result of; tsunami, landslide, avalanche, volcanic eruption,
i. the public transport on which you were booked to travel hurricane, storm or an outbreak of food poisoning or an
from your home country being cancelled or delayed for infectious disease affecting your accommodation or resort.
more than 12 hours, or You can only claim under one of subsections 1. or 2. of what
ii. you being denied boarding (because there are too many is covered for the same event, not both. If the same costs
passengers for the seats available) and no other suitable and charges are also covered under section 1 – cancellation
or curtailment you can only claim for these under one section
you choose to abandon your trip because the alternative for the same event.
transport to your overseas destination offered by the
public transport operator was not reasonable, or What is not covered
b. suitable additional accommodation (room only) and 1.
travel expenses necessarily incurred in reaching your for, under this section by each insured person (except
overseas destination and/or in returning to your home claims under subsection 1. a) of what is covered under the
country as a result of; extended delayed departure cover above).
i. the public transport on which you were booked to travel 2. the cost of Airport Departure Duty/Tax (whether
being cancelled, delayed for more than 12 hours, diverted irrecoverable or not).
or re-directed after take-off, or 3. travel tickets paid for using any airline mileage reward
ii. you being denied boarding (because there are too many scheme, for example Air Miles.
passengers for the seats available) and no other suitable 4. accommodation costs paid for using any Timeshare,
Holiday Property Bond or other holiday points scheme.
you choose to make other travel arrangements for your 5. claims arising directly or indirectly from;
13a. strike, industrial action or a directive prohibiting all to property by or under the order of any government or
public or local authority. However cover is provided in
area or event to which you were travelling, existing or respect of claims under section 2 - emergency medical
being publicly announced by the date you purchased this expenses of the policy arising through terrorism other than
insurance or at the time of booking any trip. losses arising from nuclear, chemical or biological
b. an aircraft or sea vessel being withdrawn from service exposures unless you planned to travel to areas that were
(temporary or otherwise) on the recommendation of the publicly known to be affected or threatened by such risks
Civil Aviation Authority, Port Authority or any such (Please see general condition 3).
regulatory body in a country to/from which you are travelling 2. loss, damage or expense incurred as a result of travelling
c. denied boarding due to your drug use, alcohol or
solvent abuse or your inability to provide a valid passport, have advised against travel provided that such loss,
visa or other documentation required by the public damage or expense is directly or indirectly related to any
transport operator or their handling agents. such circumstances that are the reason for the advice.
6. any costs incurred by you which are recoverable from the 3. loss, damage or expense directly or indirectly resulting
providers of the accommodation (or their administrators) from or attributable to radioactive contamination of any nature.
or for which you receive or are expected to receive 4. loss, destruction or damage directly occasioned by
compensation or reimbursement.
7. any costs incurred by you which are recoverable from the travelling at sonic or supersonic speeds.
public transport operator or for which you receive or are 5. you travelling in an aircraft other than as a fare paying
expected to receive compensation, damages, refund of passenger in a fully licensed passenger carrying aircraft.
tickets, meals, refreshments, accommodation, transfers, 6. your suicide or attempted suicide or your deliberate
communication facilities or other assistance. exposure to unnecessary danger (except in an attempt to
8. any accommodation costs, charges and expenses where save human life).
the public transport operator has offered reasonable 7. sexually transmitted diseases or the excessive
alternative travel arrangements. consumption of alcohol or use of drugs, except those
9. any costs for normal day to day living such as food and prescribed by a registered doctor and not those drugs
drink which you would have expected to pay during your prescribed for drug addiction.
trip. 8. your failure to obtain any recommended vaccines,
Special conditions relating to claims inoculations or medications prior to your trip departure
1. if you fail to notify the travel agent, tour operator or and take the complete course of recommended medications.
provider of transport or accommodation as soon as you 9. your participation in sports & activities except as listed on
page 14 of the policy wording (and an additional premium
will pay will be limited to the cancellation charges that paid in respect of level 2 where appropriate), unless
would have otherwise applied. declared to and accepted by us. We reserve the right to
2. apply special terms and conditions (which may include
from the provider of the accommodation (or their additional premiums) and coverage will be subject to your
administrators) the local police or relevant authority that you compliance with them.
could not use your accommodation and the reason for this 10. any loss or damage under wintersports sections 15, 16 &
3. you must tell our nominated 24 hour emergency service as 17 except when this insurance is taken in conjunction with
soon as possible of any circumstances making it a wintersports trip.
necessary for you to return home and before any 11. scuba diving if you are;
arrangements are made for your repatriation.
4. you must check in, according to the itinerary supplied to
you unless your tour operator has requested you not to ii. diving to a greater depth than 30 metres, or
travel to the airport. iii. diving alone, or
5. iv. diving on or in wrecks or at night.
from the public transport operator (or their handling 12. racing of any kind (other than on foot and recreational
agents) of the cancellation, number of hours of delay or wintersports racing).
denied boarding and the reason for these together with 13. you taking part in civil commotions or riots of any kind.
details of any alternative transport offered. 14. any other loss, damage or additional expense following
6. you must comply with the terms of contract of the public on from the event for which you are claiming unless we
provide cover under this insurance. Examples of such
assistance or a refund of your ticket from them, in loss, damage or additional expense would be the cost
accordance with the terms and/or (where applicable) your of replacing locks after losing keys, costs incurred in
rights under EU Air Passengers Rights legislation in the preparing a claim or loss of earnings following bodily
event of denied boarding, cancellation or long delay of flights. injury, illness or disease
Please also refer to the general exclusions and 15. you breaking or failing to comply with any law
conditions. whatsoever.
16.
General exclusions related to the claim.
You are not covered for claims arising out of; 17. the bankruptcy or insolvency of a tour operator, travel
1. loss or damage directly or indirectly occasioned by, agent, transport company or accommodation supplier.
happening through or in consequence of war, terrorism, 18. a tour operator failing to supply advertised facilities.
invasion, acts of foreign enemies, hostilities (whether war 19. any government regulation or a.
be declared or not), civil war, rebellion, revolution, 20. you travelling against any health requirements stipulated
by the carrier, their handling agents or any other public
nationalisation, or requisition or destruction of or damage transport provider.
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