Transcription of Travel Insurance
1 Travel Insurance Packed and ready to go your Travel Insurance policy Table of Contents The Insurance contract Page 4. your declaration Page 10. Changes in health Page 14. Words with special meanings Page 16. Geographical regions of Travel Page 22. Claims conditions Page 24. Table of benefits Page 28. Section 1: Cancellation Page 34. Section 2: Curtailment and loss of holiday Page 37. Section 3: Pet care Page 40. Section 4: Emergency medical and repatriation expenses Page 42. Section 5: Personal accident Page 46. Section 6: Personal possessions Page 48. Section 7: Baggage delay on outward journey Page 51. Section 8: Personal money Page 52. Section 9: Passport and other documents Page 54. Section 10: Travel delay and abandonment Page 55. Section 11: Missed departure Page 57. Section 12: Personal liability Page 59. Section 13: Legal costs and expenses Page 62. Section 14: Financial failure Page 70. Section 15: Extended Travel disruption cover (optional) Page 72.
2 Section 16: Gadget (optional) Page 75. Section 17: Winter sports (optional) Page 77. Section 18: Cruise (optional) Page 82. Section 19: Golf (optional) Page 86. Section 20: COVID-19 cover Page 89. Appendix 1: Hazardous activities and sports Page 92. General policy exclusions Page 99. General policy conditions Page 104. Important information and data protection notice Page 106. Complaints procedure Page 108. 2. Useful numbers Customer Helpline For Emergency Medical Assistance (to discuss your policy , cover options 24 hours, 7 days a week and declare your medical conditions). +44 (0) 1403 289 163. Monday to Friday, 8am-8pm (from anywhere except the USA, Saturday, 9am - 5pm Canada or Mexico). +1-877-324-0460. +44 (0) 330 123 3690 (toll free from the USA or Canada). To make a claim (non-emergency 00 1 819 780 0644. claims) (from Mexico). Monday to Friday, +44 (0) 1403 330 233. 3. The Insurance Contract About your Insurance policy Read your policy carefully and make Throughout your policy , certain words have sure You have the level of cover that special meanings and these are listed and meets your needs.
3 explained in the section Words with Special Make sure You have declared any Pre- Meanings. These words are highlighted in existing Medical Conditions. bold wherever they appear. Contact Us if there are any changes to Pre-existing Medical Conditions or To be eligible for cover under this policy , new medical conditions; failure to do so You must be: may result in a claim being rejected or a. In the United Kingdom when the policy payment being reduced. is purchased (except when You renew Make sure that You understand the an existing Annual multi-trip policy ); conditions and exclusions which apply and to your policy because if You do not b. Resident in the United Kingdom, meet these conditions it may affect any meaning that You: claim that You make. Have an address in the United Kingdom; and Remember, no policy covers everything. We Have lived in the United Kingdom do not cover certain things such as: for at least 6 of the last 12 months; Pre-existing Medical Conditions (unless and the appropriate additional premium has Are registered with a General been paid and We have agreed them in Practitioner in the United Kingdom.)
4 Writing). Hazardous Activities and Sports. The maximum duration of cover available, Whether You are covered or not for unless otherwise shown on your policy a particular activity will depend on Schedule, is: the cover option You have chosen, as 63 days for Single-trip policies. shown on your policy Schedule. 31 days per trip for Annual multi-trip Children when travelling independently policies. unless they Travel with a responsible If You have any queries about your cover, adult aged 18 years or over who You can call Our Customer Helpline on accompanies them for the duration of 0330 123 3690 and tell Us your policy the trip. number. We want You to get the most from Uninsured losses the cost of your policy and to do this You should: obtaining a Police or medical report. 4. Each section of the policy has a limit on the agreed by Us in writing. The only exception amount We will pay under that section, is if your Home is in the Channel Islands or called the sum insured.
5 Some sections also the Isle of Man, when the law of England include inner limits for a single item or and Wales will apply to this contract. for Valuables in total. The sums insured and inner limits for each section are shown in If there is any disagreement, We will use the Table of Benefits. your policy over any other assurances or statements, unless they are confirmed in Claims under most sections of the policy writing and form part of the policy . will be subject to an Excess, which applies per claim per section for each Insured All communication between You and Us Person. Where We are making a claims will be in English. payment to You, We will deduct the Excess from the payment amount. Where We your policy is based on all the information are settling a claims invoice directly with a You gave Us about You, the person(s). medical provider or other supplier, You will named on your policy Schedule, other be responsible for paying Us the Excess. person(s) on whom your trip may depend, The amount of Excess per person for each your trip(s) and personal circumstances section of cover is shown in the Table of when You applied for the Insurance .
6 Every Benefits. time We or You make a change to your Insurance We will send You a new policy The things which are not covered by your Schedule. policy are stated in: The General policy Exclusions If You have purchased Annual multi-trip What is not covered in each section of Insurance , We will remind You of the details cover of your Insurance at least every 12 months. This will allow You to check that your About your contract policy still meets your needs. your policy is a legal contract between You and Us. The two parts your policy The Insurers Wording and your policy Schedule make Legal costs and expenses section: one legal document and You must read Insured by DAS Legal Expenses Insurance them together. Company Limited, registered office DAS. House, Quay Side, Temple Back, Bristol, The laws of the United Kingdom allow both BS1 6NH. Authorised by the Prudential parties to choose the law which will apply Regulation Authority and regulated by to this contract.
7 However, the law which the Financial Conduct Authority and the applies to this contract is the law which Prudential Regulation Authority (202106). applies to the part of the United Kingdom where your Home is, unless otherwise 5. Financial failure section: Authority. Details of the Temporary Liberty Mutual Insurance Europe SE, Permissions Regime, which allows registered office: 5-7 rue Leon Laval, L-3372, EEA-based firms to operate in the UK. Leudelange, Grand Duchy of Luxembourg, for a limited period while seeking full Registered Number B232280 (Registre authorisation, are available on the Financial de Commerce et des Soci t s). LMIE is a Conduct Authority's website. European public limited liability company and is supervised by the Commissariat aux ERGO Travel Insurance Services Ltd is Assurances and licensed by the Luxembourg registered in the UK, company number Minister of Finance as an Insurance and 11091555. Registered office: 10 Fenchurch reinsurance company.
8 LMIE's UK branch Avenue, London, EC3M 5BN. Authorised registered address is 20 Fenchurch Street, and regulated by the Financial Conduct London, EC3M 3AW. Deemed authorised Authority, register number 805870. by the Prudential Regulation Authority. Subject to regulation by the Financial Details about the extent of GLISE's Conduct Authority and limited regulation authorisation and regulation by the by the Prudential Regulation Authority Prudential Regulation Authority, and (registered number 829959). Details of regulation by the Financial Conduct the Temporary Permissions Regime, which Authority are available from Us on request. allows EEA-based firms to operate in the UK for a limited period while seeking full Compensation Scheme authorisation, are available on the Financial If You are resident in England, Scotland, Conduct Authority's website. Wales or Northern Ireland, You are protected by the Financial Services All other sections of this policy are Compensation Scheme.
9 This provides underwritten by ERGO Travel Insurance compensation in case any of its members Services Ltd (ETI) on behalf of Great Lakes go out of business or into liquidation and Insurance SE (GLISE). Great Lakes Insurance are unable to meet any valid claims under SE is a German Insurance company with their policies. Further information can its headquarters at K niginstrasse 107, be obtained from the Financial Services 80802 Munich. UK Branch office: 10 Compensation Scheme ( ). Fenchurch Avenue, London, EC3M 5BN, or by contacting the FSCS at 10th Floor, company number SE000083. Great Lakes Beaufort House, 15 St Botolph Street, Insurance SE, UK Branch, is authorised London, EC3A 7QU or by calling 0800. and regulated by Bundesanstalt f r 678 1100 or 020 7741 4100. This scheme Finanzdienstleistungsaufsicht. Deemed does not apply to residents of the Channel authorised by the Prudential Regulation Islands or the Isle of Man. Authority. Subject to regulation by the.
10 Financial Conduct Authority and limited regulation by the Prudential Regulation 6. Our part of the contract is as follows Journey or at the end of the policy Period We provide the cover set out in your policy . (whichever is sooner). All other cover under your policy Schedule shows which sections this policy starts when You leave your of cover in the policy Wording You have Home to start your Insured Journey and chosen to purchase, and the total premium. ends when You return to your Home to end This cover will only apply to the named your Insured Journey or at the end of the Insured Person(s), during the policy Period policy Period (whichever is sooner). and within the geographical limits all shown on your policy Schedule. Automatic extension of cover In the event that You are forced to extend your part of the contract is as the duration of your Insured Journey follows beyond the policy Period as a result of an You must pay the premium for each policy insured medical emergency or other insured Period.
