Premier Plus Travel Insurance - magroup-online.com

1 Contents Page numberDemands and needs statement 1 About our Insurance services 1 Summary of cover 2 Important information 2-3 Definition of words 4-5 Medical Solutions 24/7 GP telephone and video consultation service 624-hour emergency medical assistance 7 Reciprocal health arrangements 7 Health declaration and health exclusions 7-8 Working abroad 8 Adventurous activities and winter sports 8-9 General exclusions 9 Conditions 10 Making a claim 10-11 Making a complaint 11 Cancellation or curtailment charges Section 1 12 Emergency medical and associated expenses Section 2 13 Loss of passport Section 3 13 Delayed personal possessions Section 4 14 Personal possessions Section 5 14 Personal money Section 6 14 Personal accident Section 7 14 Missed departure Section 8 15 Delayed departure Section 9 15 Personal liability Section 10 16 Legal expenses Section 11 16 Repayment of student loan Section 12 16 Hijack

2 Section 13 17 Hostage Section 14 17 End supplier failure Section 15 17 Government Travel restriction Section 16 17 Pet care Section 17 18 Gadget cover Section 18 18 Winter sports cover Section 19 18-19 Medical and dental elective cover Section 20 19 Sports trip cover Section 21 19 Natural catastrophe cover - Section 22 19-20 Demands and needs statementDemands and needs statement / About us and our Insurance services - page 1 About us and our Insurance services1. The Financial Conduct Authority (FCA)The FCA is the independent watchdog that regulates financial services.

3 Use this information to decide if our services are right for Whose products do we offer?We are an Insurance intermediary that offers products from a single Insurance company, AWP P&C SA which is a French company duly authorised in France. We act on their Which service will we provide you with?You will not receive any personal advice or a recommendation from us for Travel Insurance . We may ask you some questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to What will you have to pay us for this service?

4 You will only pay us the premium for your policy , and you will not pay us a fee for arranging this on your behalf. We are paid for our services to you by the Insurance company, AWP P&C SA. The nature of such payment is a mixture of commission and other fees based on our costs for administering your Who regulates us?STA Travel Limited is an Appointed Representative of AWP Assistance UK Ltd, 102 George Street, Croydon CR9 6HD which is authorised and regulated by the Financial Conduct Authority. Our Financial Services Register number is permitted business includes arranging Travel Insurance .

5 You can check this on the Financial Services register by visiting the FCA s website or by contacting the FCA on 0800 111 What to do if you have a complaintIf you wish to register a complaint, please contact us: In writing: Customer Service, Allianz Global Assistance, 102 George Street, Croydon CR9 6HD. By phone: 020 8603 9853. By email: you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service for independent arbitration. Visit write to Financial Ombudsman Service, Exchange Tower, London E14 9SR call 0800 023 4567 or 0300 123 9 123 email Are we covered by the Financial Services Compensation Scheme (FSCS)?

6 We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. Insurance advising and arranging is covered for 90% of the claim, with no upper information about the compensation scheme arrangement is available from the FSCS, by calling 0800 678 1100 or 020 7741 4100, or visiting their website at STA Travel Insurance suits the demands and needs of customers who wish to insure themselves for medical emergencies, delayed or missed departures, cancellation or cutting short a trip, lost, stolen or delayed possessions, loss of money and passport, personal accident.

7 Personal liability and legal expenses. The levels of cover may vary depending on where you Travel (whether in your home country or overseas). Travel Insurance does not cover everything. You should read this policy carefully to make sure it provides the cover you may already possess alternative Insurance for some or all of the features and benefits provided by this Travel Insurance product. It is your responsibility to investigate Travel Limited has only provided you with information and has not provided you with any recommendation or advice about whether this product meets your specific Insurance demands and plus Travel InsuranceCover is only available if you are a resident of the UK, Channel Islands, Isle of Man or Republic of Ireland.

8 Existing medical conditions are not covered unless you have purchased your Insurance in store or over the phone and the existing medical conditions have been declared to and accepted in writing by the insurer (this does not apply to all STA policy cover options. See the Health declaration and health exclusions on page 7 for full details).STA Travel Insurance Priory House, 6 Wrights Lane London W8 6 TABridge The World is a trading name of STA Travel (up to)*Excess 1001 Cancellation or curtailment 10,0002 Emergency medical and associated expenses- In-patient benefit- Transport and accommodation- Dental- Funeral expenses- Search and rescue 15 million 40 per day, max 2,000 Reasonable costs 750 5,000 5,0003 Loss of passport 5004 Delayed personal possessions 150 after 12 hour delay5 Personal possessions- Single item, pair or set- Valuables limit- Tobacco, alcohol, fragrances 3.

9 000 500 600 506 Personal money- Cash limit 500 2507 Personal accident- Death (age 16-65 inclusive) (age 15 and under)- Loss limb / sight- Permanent total disablement 25,000 1,000 25,000 50,0008 Missed departure 1,5009 Delayed departure - Delay- Abandonment 150 ( 50 1st 12hrs, 25 each extra 12hrs) 10,000 (after 12 hrs)10 Personal liability 2 million11 Legal expenses 30,00012 Repayment of student loan 5,00013 Hijack 3,00014 Hostage 3,00015 End supplier failure 5,00016 Government Travel restriction 1,00017 Pet care 75 per day, max 75018 Gadget cover 1,000 (max 2 items)Additional covers (subject to extra premium)19 Winter sports cover- Ski pack- Delayed ski equipment- Ski equipment (own)- Ski equipment (hired)

10 - Piste closure- Avalanche closure 300 300 500 300 20 per day, max 300 30020 Medical/dental elective cover- Portable medical equipment- Needle stick- HIV infection 500 Reasonable costs 10,00021 Sports trip coverSee section for details22 Natural catastrophe coverSee section for detailsSummary of cover The following is only a summary of the main cover limits. You should read the rest of this policy for the full terms and *ExcessThe excess applies to claims under sections 5, 6, 9 (abandonment only), 18, 19, 20, 21 and 22.