Travel Insurance Policy - magroup-online.com

1 What is insured?What is not insured?Are there any restrictions on cover?3 Cancelling / cutting short your journey - Loss of pre-paid Travel and accommodation medical expenses - hospital fees, repatriation, in-patient benefit, funeral and dental costs incurred if taken ill or injured on your journey. 3 Loss of passport - costs to obtain temporary documents on your journey plus reimbursement of the remaining value of lost personal possessions - costs to replace essential items temporarily lost by the transport provider on your outward journey. 3 Personal possessions - Items lost, stolen or damaged on your money - money, travellers cheques and Travel tickets lost, stolen or damaged on your accident - Compensation if you die, lose your sight or limb or are unable to ever work again following an accident on your departure - Extra transport or accommodation costs to continue your journey, if you miss your outbound or return departure - A benefit after a major delay to outbound or return transport at the departure point.

2 Alternatively the costs to abandon your journey on the outbound leg liability - Costs for damage you cause to a third party or their property (including your journey accommodation if not owned by you, a family member or friend).3 Legal expenses - Legal costs and representation, to pursue a compensation claim against a negligent third party responsible for your death, injury or illness. 3 Avalanche / landslide - Extra transport and accommodation if you cannot use yours because of an avalanche / landslide. 3 Camping / caravan - Items lost, stolen, damaged or unusable on your journey. 3 Pet cover - Extra board costs for your pet if your return is cover - Cover for your business samples or for a colleague to replace you if you cannot continue with your planned business Claims where you cannot provide sufficient supporting part in activities where there is an increased risk of injury, unless we have agreed than the maximum benefit limits (and sub limits when these apply) shown in each Policy excess that is applicable to each person, section and/or circumstances you were aware of before your Policy was issued or journey was booked (whichever is the later).

3 7 Claims that are caused as a direct or indirect result of something you are claiming for such as loss of earnings as a result of being delayed in returning.!Cover is only available to residents of the Republic of Ireland who have Travel arrangements booked through !Claims relating to existing medical conditions are excluded.!Certain levels of cover may be restricted according to the age of the insured persons.! There is a limit on the length of the journey that can be covered.!There are General Conditions that you have to meet for cover to apply. !General exclusions apply to the whole Policy and each section contains exclusions specific to that document only provides a basic summary of Policy cover.

4 The full terms and conditions of the contract are shown on the Policy document, which you should read carefully to ensure you have the cover you need. What is this type of Insurance ?This is Travel Insurance which covers you while travelling, for various events such as: medical emergencies; delayed or missed departures; cancelling or cutting short your journey; delayed possessions and lost or stolen InsuranceInsurance Product Information DocumentCompany: AWP P&C SA, registered office 7 Rue Dora Maar, 93400 Saint-Ouen, France. Registration no. 519490080 RCS, authorised by L Autorit de Contr le Prudentiel et de R solution in France and regulated by the Central Bank of Ireland for conduct of business rules.

5 Product: Irish Ferries Travel Insurance Policy 12 Ref: 4802 TVL 07/18 IPIDW here am I covered?Cover only applies for Travel within Continental Europe as defined on the Policy . You will not be covered if you Travel to a country or region where the Department of Foreign Affairs has advised against all Travel or all but essential Travel . For further details, visit What are my obligations? Answer any pre-sale questions as truthfully and accurately as possible. Read your Policy carefully to ensure you have the cover you need. Tell us as soon as possible if there are any changes to your circumstances that may affect your cover, or if it is likely you will need to make a claim.

6 You should take reasonable care to protect yourself and your property against accident, injury, loss and damage and to minimise any claim. When and how do I pay?You will need to pay your Policy premium in full in order for cover to apply. All cover will end if payment is incomplete or rejected, or if the Policy is cancelled. The premium can be paid using one of the payment options given to you by the seller of this does the cover start and end?Your Policy provides cover during the period shown on your Insurance confirmation. How do I cancel the contract?You have 14 days from the date of receiving your Policy documents, to ensure that they meet your requirements. If you wish to cancel the contract during this period, you should contact Allianz Global Assistance, 18b Beckett Way, Park West Business Campus, Nangor Road, Dublin 12, D12 R297, Ireland or telephone 00353 1 619 premium will be refunded in full, although if you have travelled, made a claim or intend to make a claim.

7 We will recover the costs for providing these may still cancel the contract after this 14 day cancellation period but no refund will be wording 1 Travel Insurance Policy Cover is only available if you are a resident of the Republic of Ireland and booking Travel arrangements with This Policy does not cover claims relating to existing medical conditions. Important Telephone Numbers Customer Services: 01 619 3668 24-hour emergency medical assistance: UK +44 20 8666 0625 Claims: 01 619 3669 Legal expenses: UK +44 20 8603 9804 In a life or death situation call the emergency services in the country you are visiting for example 112 within the European Union. Contents Page Summary of cover 2 Important information 3-4 Definition of words 5-6 24-hour emergency medical assistance 7 Reciprocal health arrangements 7 Health declaration and health exclusions 8 General exclusions 9 Conditions 10 Making a claim 11-12 Making a complaint 12 Cancellation or curtailment Section 1 13-14 Emergency medical and associated expenses Section 2 14-15 Loss of passport - Section 3 15 Delayed personal possessions Section 4 16 Personal possessions Section 5 16 Personal money- Section 6 17 Personal accident Section 7 17 Missed departure Section 8 18 Delayed departure Section 9 18 Personal liability Section 10 19 Legal expenses

8 Section 11 20 Avalanche and landslide - Section 12 21 Camping and caravans - Section 13 21 Pet cover - Section 14 22 Business cover - Section 15 22 Policy wording 2 Note Inner limits Some sections of cover also have extra sub-limits, for example the personal accident section has a benefit limit depending on the age of the insured person. Summary of cover The following is only a summary of the main cover limits for Personal Travel . You should read the rest of this Policy for the full terms and conditions. Cover Limit (up to) Excess 1. Cancellation or curtailment - Excursions 5,000 150 35 ( 10 for deposits) 2. Emergency medical and associated expenses - In-patient benefit - Dental - Funeral expenses - Excursions 10 million 200 ( 15 a day) 350 1,500 150 35 No excess 3.

9 Loss of passport 250 No excess 4. Delayed personal possessions 150 No excess 5. Personal possessions - Single item, pair or set - Valuable items - Tobacco, alcohol, fragrances limit 1,500 250 300 50 35 6. Personal money - Cash 500 200 35 No excess 7. Personal accident 25,000 No excess 8. Missed departure 500 No excess 9. Delayed departure - Delay - Abandonment 100 ( 20 first 12 hours, 10 each extra 12 hours) 5,000 (after 24 hours) No excess 35 10. Personal liability 2 million 250 11. Legal expenses 25,000 No excess 12. Avalanche and landslide 200 ( 50 each full 24 hours) No excess 13. Camping and caravan - Equipment - Caravan flood 500 200 ( 50 each full 24 hours) 35 No excess 14.

10 Pet cover - Vets fees - Boarding fees 200 300 ( 15 each full 24 hours) 35 No excess 15. Business cover - Replacement employee - Business samples 1,500 500 35 Policy wording 3 Important information Thank you for taking out Travel Insurance with us. Your Insurance receipt shows the sections of the Policy you have chosen, the people who are covered and any special terms or conditions that may apply. Your Policy does not cover everything. You should read this Policy carefully to make sure it provides the cover you need. If there is anything you do not understand, you should call Travel Insurance on 01 619 3668 or write to us at 18b Beckett Way, Park West Business Campus, Nangor Road, Dublin 12, D12 R297, Ireland.