Transcription of Ageas Travel Insurance
1 Ageas Travel InsurancePolicy WordingWhat s insideWelcome to your Ageas Travel Insurance Policy 2 Definitions 5 Important Information you must read 8 Medical exclusions/Important information about health 10 Sports and activities 12 Winter Sports activities 14 Schedule of Benefits 15 Section 1 Medical and other expenses 18 Section 2 Cancellation of your trip 20 Section 3 Curtailment 21 Section 4 Missed departure 22 Section 5 Delay 23 Section 6 Travel Disruption 24 Section 7 Personal Belongings 27 Section 8 Delayed Baggage 28 Section 9 Money and Documents 29 Section 10 Loss of Passport 30 Section 11 Personal Accident 31 Section 12 Personal Liability 32 Section 13 Travel Legal Guard 33 Optional sections of cover.
2 Section 14 Winter sports 40 Section 15 Golf 42 Section 16 Wedding 44 General conditions that apply to all sections 45 Complaints procedure 46 Insurers 48 Privacy Notice 49To make a claim, call 0345 122 3280 Please save this number to your mobile phone2T20 May 2018 Thank you for buying Ageas Travel Insurance . This policy is only available to persons who: have been resident in the United Kingdom for at least 6 months prior to taking out this Insurance , and who are registered with a General Practitioner in the United read through this policy booklet where you will find full details of what is covered and the limits that apply.
3 Your Policy Schedule will indicate what level of cover you have chosen, your personal details and your Travel details. Please check the dates of Travel , the destination(s) covered (for more information around destinations, please see information below), any additional covers selected, and any medical conditions that have been declared, and ensure that these are all correct. If anything is incorrect please contact your Insurance limitsFor single trip policies, you are only covered for Travel to the country(s) listed on your Policy Schedule.
4 For annual multi-trip policies your Policy Schedule will set out the geographical limits of your cover. Before travelling please ensure that your trip is within the geographical limits identified. These are based on the definitions EU Europe, the Channel Islands, the Republic of Ireland, the Canary Islands, Algeria, Egypt, Israel, Lebanon, Libya, Madeira, Morocco, Syria, Tunisia and WW to your Ageas Travel Insurance policy3T20 May 2018If you need to make a claim we will ask you for evidence to support your claim. You will find details of this within each section of cove phone line is open 24 hours a day, 365 days a year.
5 Please ensure you keep copies of any documents you send to us. You must pay any costs involved in providing these may be required to contact your GP in the United Kingdom to check your medical will aim to answer all correspondence within five working days of receiving may record or monitor calls for training purposes or to improve the quality of our notify us of your claim as soon as possible. Any unreasonable delays in your notification may mean that we may not pay your claim or may only pay part of to contactContact detailsWorldwide medical emergency service - Assistance International24 hour helpline for medical assistance whilst on your tripPhone: 00 44 23 8064 4633 Email: Fax: 00 44 23 8064 4616 Claims LineOpen 24 hours a day, 7 days a week, to report your Travel claimPhone: 0345 122 3280 Claims under Travel Legal Guard Section (Section 13)Phone: 0117 934 0171 Web.
6 To contact us4T20 May 2018a By youYou can cancel this policy within 14 days of receiving the policy wording and Policy Schedule and we will refund your premium in full, as long as you have not made a claim against the policy and/or; you have not taken a trip protected by the cover provided. For a single trip policy we will not refund your premium after the start date shown on your Policy Schedule even if this is within 14 days. We will not refund your premium after the 14 day you want to cancel your policy, please contact your Insurance Broker.
7 You should not cancel this policy if you need to make a By usWe or anyone we authorise have the right to cancel this policy at any time by sending you 14 days notice in writing where there is a valid reason for doing so. We will send the notice to the last known address we have for you and we will set out the reason for cancellation in our letter. Valid reasons may include but are not limited to: Changes to the information given at the point of purchase which may result in the risk no longer being acceptable to us. Where we suspect fraud on this or any other related policy.
8 Where a misrepresentation has been made that means we no longer wish to provide long as you have not made a claim, we will refund you for the time that was left on your policy. If any claim has been made during the period of cover provided, you will not be entitled to any cancellation5T20 May 2018 DefinitionsWherever the following words and phrases appear in this Policy or the Schedule they will always have the meanings shown below. These terms may have different meanings under Section 13 Please refer to that section for more injury Injury to you resulting directly from an accident involving something violent and visible.
9 This does not include sickness or disease, any naturally occurring condition or the result of anything that happens of terrorism an act including, but not limited to, the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organisation(s) or government(s), committed for political, religious, ideological or ethnic purposes or reasons including the intention to influence any government and/or to put the public, or any section of the public, in Scheduled Transport Trains, Coaches, Buses, Aircraft or Sea Vessel which run to a timetable and where you are a fare-paying passenger, and also pre-booked associate Anyone who works at your place of business and who needs to be in work while you are away so the business can run Earthquake, Explosion, Fire, Flood, Hurricane.
10 Lightning and A person under 18 (or 21 or under if in full time education).Close relative Your mother, father, sister, brother, wife, husband, civil or domestic partner, daughter, son, grandparent, grandchild, parent-in-law, son-in-law, daughter-in-law, sister-in-law, brother-in-law, step parent, step child, step sister, step brother, foster child, legal guardian, or fianc /fianc Two adults living at the same address who are married (or living together as if they were married) or in a civil The amount(s) you will have to pay towards any claim.
