your travel insurance - hsbc · pdf fileyour travel insurance policy summary and policy...
Post on 12-Mar-2018
255 Views
Preview:
TRANSCRIPT
Your Travel InsurancePolicy Summary and Policy WordingPolicy Number: 011012 PremierPolicy Number: 011012 Advance Policy Number: 011012 Advance (Graduate)• CalltheMedicalAssessmentteamtotellthemaboutanypre-existingserious,chronicorrecurringillness,injuryordisease–seetheMedicalDeclarationfordetails.Failuretodisclosemedicalconditionsbeforebookingtripswillresultinnocoverbeingprovidedforclaimsarisingfromtheundisclosedcondition.Youmustalsodiscloseanyserious,chronicorrecurringillness,injuryordiseasesufferedbyanyoneuponwhosehealthyourtravelplansdepend,suchasacloserelativeortravellingcompanion
• Coverisforyou,yourdomesticpartner(providingyouarebothunder70yearsofage)andyourchildrenunder18yearsofage(orunder23ifinfulltimeeducation)
• AllinsuredpersonsmustbeUKresidents• ForholidaysintheUK,ChannelIslandsandIsleofMan,youneedatleast2consecutivenightspre-bookedholidayaccommodationforthetriptobecovered
• Tripsshouldbenolongerthan31daysandmuststartandendintheUKPleasenotethereisnocoveratallforanytripthatislongerthat31daysandwewillnotinsureanypartofatripthatislongerthan31days• Noneedtoregisterbeforeyoutravel
PleasetaketimetoreadthisbookletasitcontainsimportantinformationaboutyourWorldwideTravelInsurance.
Youmustalsoensureyoukeepanydocumentationwemayrequiretosupport aclaim.
Section 1isyourPolicySummaryandthisgivesyoubriefdetailsofthecoverprovidedbyyourinsurance.
Section 2 isyourPolicyWordingandfullyexplainsthelimitsandconditionsof yourinsurance.
2
How to get help
Travel Insurance HelplinesMedical Emergency and Travel Assistance Helplines.Alllinesareopen24hoursaday,365daysayear.
HSBC Premier
Medical AssessmentYoumusttellusaboutanypre-existingconditions. PleaseseetheMedicalDeclarationonpage20.
WithintheUK01243218424
Linesopen:Mon–Fri(8am–8pm)Sat(9am–6pm)(ClosedSundaysandpublicholidays)
24-hour Medical Emergency AssistanceIfyouareinjuredorfallillwhileyouareaway,contactthishelpline.TellthemyouareinsuredwithHSBCPremierandtheywilltakefulldetailsofyouremergencyandadviseyouhowtoproceed.
OutsidetheUK(+44)1243621160
WithintheUK01243621160
Travel AssistantPleaseseepage19fordetailsoftheservicesprovidedbytheTravelAssistanthelpline
OutsidetheUK(+44)1243621162
WithintheUK01243621162
Other Claims Helplines and Customer Services HelplineShouldyouneedtomakeaclaimunderthispolicy,pleasecontacttheappropriatetelephonenumbershownbelow.Linesopenasshownbelow.
Travel ClaimsUsethisnumbertoreportanytravelclaims,whicharenot asaresultofamedicalemergency.
OutsidetheUK(+44)1243621407
WithintheUK01243621407
Linesopen:Mon–Thu(8am–6pm)Fri(8am–5:30pm)
Legal Expenses Claims and AdviceUsethisnumbertoreportanylegalexpensesclaimor ifyourequireadviceforanypersonallegalproblemthat mayleadtoaclaimunderthepolicy.
Phone 01603208533
Linesopen:24hours,365daysayear
Customer Services Usethisnumberforallgeneralpolicyenquiries.
Phone08457707070
TextPhone08457125563
Linesopen:24hours,365daysayear
UpgradesPleaseseethe‘Amendmentstoyourcover’sectiononpage17fordetails.
08003281562
Linesopen:Mon–Fri(9am–5pm)
Forourjointprotectionandtrainingpurposescallsmayberecordedand/ormonitored.
3
Medical Emergency and Travel Assistance Helplines.Alllinesareopen24hoursaday,365daysayear.
HSBC Advance/Advance (Graduate)
Medical AssessmentYoumusttellusaboutanypre-existingconditions.PleaseseetheMedicalDeclarationonpage20.
WithintheUK01243218426Linesopen:Mon–Fri(8am–8pm)Sat(9am–6pm)(ClosedSundaysandpublicholidays)
24-hour Medical Emergency Assistance Ifyouareinjuredorfallillwhileyouareaway,contactthishelpline.TellthemyouareinsuredwithHSBCAdvance/Advance(Graduate)andtheywilltakefulldetailsofyouremergencyandadviseyouhowtoproceed.
OutsidetheUK(+44)1243621161
WithintheUK01243621161
Travel AssistantPleaseseepage19fordetailsoftheservicesprovidedbytheTravelAssistanthelpline
OutsidetheUK(+44)1243621162
WithintheUK01243621162
Other Claims Helplines and Customer Services Helpline Linesopenasshownbelow.
Travel ClaimsUsethisnumbertoreportanytravelclaims,whicharenotasaresultofamedicalemergency.
OutsidetheUK(+44)1243621408
WithintheUK01243621408
Linesopen: Mon–Thu(8am–6pm)Fri(8am–5:30pm)
Legal Expenses Claims and AdviceUsethisnumbertoreportanylegalexpensesclaimorifyourequireadviceforanypersonallegalproblemthatmayleadtoaclaimunderthepolicy.
Phone01603208533
Linesopen:24hours,365daysayear
Customer Services Usethisnumberforallgeneralpolicyenquiries.
Phone08457404404
TextPhone08457125563
Linesopen:8amto10pmeveryday,excludingChristmasDay,BoxingDayandNewYear’sDay
UpgradesPleaseseethe‘Amendmentstoyourcover’sectiononpage17fordetails.
08003281563
Linesopen:Mon–Fri(9am–5pm)
Forourjointprotectionandtrainingpurposescallsmayberecordedand/ormonitored.
FCO Travel Advice – Know Before You GoAsapartnerintheKnowBeforeYouGocampaign,weareworkingwiththeForeignandCommonwealthOffice(FCO)tohelpBritishtravellersstaysafeoverseas.BeforeyougooverseascheckouttheFCOwebsiteatwww.fco.gov.uk/travel,itispacked withessentialtraveladviceandtipsplusup-to-dateinformationaboutdifferentcountries. ContacttheFCOon08458502829.Wearenotresponsibleforthecontentofotherwebsites.
4
Guide to your HSBC Travel Insurance policyContents Page
Section 1 – Policy Summary
Keyfacts PolicySummary 5
OtherImportantInformationaboutyourpolicy 13
Section 2 – Policy Wording
Welcome 14
Definitions 14
GeneralExclusions 15
GeneralConditions 16
Helpfulandimportantinformation aboutyourinsurance 17
MedicalDeclaration 20
Leisureactivities,activity-basedholidays andwintersportsactivities 21
Yourcover 26
SectionA–CancellationCharges 26
SectionB–EmergencyMedicaland AssociatedExpenses 27
SectionC–Abandonment 29
SectionD–PersonalAccident 30
SectionE–PersonalLiability 30
SectionF–DelayedDeparture 31
SectionG–EnforcedStayAbroad 31
SectionH–MissedInternationalDeparture 32
SectionI–LegalExpensesandAdvice 33
Contents Page
SectionJ–Hijack 35
SectionK–Mugging 35
SectionL–Catastrophecover 35
SectionM–PetCare 35
SectionN–TemporaryorEmergency PassportExpenses 36
SectionO–PersonalMoney 36
SectionP–DelayedBaggage 36
SectionQ–Baggagecover 36
SectionR–WinterSportscover 37
•WinterSportsEquipment 37
•DelayDuetoAvalanche 38
•PisteClosure 38
•SkiPack 38
•InabilitytotakepartinWinterSports 38
Fraud 38
ComplaintsProcedure 39
FinancialServicesCompensationScheme 39
Howtomakeaclaim–helpustohelpyou 39
Airpassengers •knowyourrights 42
•Whatwillmypolicycovermefor? 42
ImportantinformationaboutHSBC 43
Furtherimportantinformationaboutyourpolicy44
5
PLEASE ENSURE YOU READ THIS SECTION
®
Section 1 Policy SummaryThisisasummaryofthepolicyanddoesnotcontainthefulltermsandconditionsofthecover,whichcanbefoundinSection2ofthisbooklet.Itisimportantthatyoureadthefullpolicywordingcarefully andkeepitforfuturereference.
Who is the insurer?
TheinsurerisAvivaInsuranceLimited.
What is HSBC Travel Insurance?
ThisHSBCTravelInsurancepolicyisdesignedtomeetcertaincoststhatmightariseinthecourse ofyourtravels.
What are the benefits and features of HSBC Travel Insurance?
• Protectionforeachaccountholderandhis/herdomesticpartnerontripsanywhereintheworld.Childrenunder18yearsofage(under23yearsofageifstillinfulltimeeducationandlivingathomeoutsideoftermtime)arecoveredprovidingtheyaretravellingwiththeaccountholderorhis/herdomesticpartner,orwhilsttravellingabroadontheirowntovisitandstaywithcloserelativeswholiveabroad,forthedurationofthetrip.
• TripsmuststartandendintheUKandlastnolongerthan31days.• ThepolicyonlycoversUKresidents(meaningthatyourmainhomeisinScotland,England,Walesor,NorthernIreland;youareregisteredwithaUKdoctorandliabletopaytaxintheUK).AllinsuredpersonsmusthavebeenresidentintheUK,ChannelIslandsorIsleofManforatleast6monthsatthetimeofopeningthequalifyingbankaccountorbookingthetrip,whicheverislater.
• Coverisprovidedforoffice-basedbusinesstripsoutsidetheUK,ChannelIslandsandIsleofManforthepurposeofwhollyoffice-basedclericalandadministrativedutiesforamaximumof31daysintotalinanycalendaryear.
• Coverisprovidedforwintersportsactivitiesforamaximumof21daysintotalinanycalendaryear.• Coverisprovidedfortakingpartincertainrecreationalleisureandwinterssportsactivities. Thesearelistedinthispolicybooklet,andalsoincludesomeactivity-basedholidayswherethis isthemainpurposeofyourtrip.
• Individualtripupgradesareavailableforextendeddurations,golfequipment,anincreasedcancellation/abandonmentsuminsuredandrecreationalscubadivingto30metres.
• Our24hourWorldwideMedicalEmergencyAssistanceServicewillprovideimmediatehelpwithanymedicalemergencyyouhavewhenyouareonyourtrip.
6
PLEASE ENSURE YOU READ THIS SECTION
What are the significant or unusual exclusions or limitations of HSBC Travel Insurance?
• Thereisnocoveratallforanytripthatislongerthan31daysandwewillnotinsureanypartofatripthatislongerthan31daysunlessyouhavepurchasedanappropriatetripextensionupgradebeforeyouleavehometostartyourtrip.
• ThemaximumtimeyoucanspendoutsidetheUK,ChannelIslandsandIsleofManinanycalendaryearis183days.
• Eachaccountholderandhis/herdomesticpartnermustbeunder70yearsofageatthestartdate ofanytrip.
• HolidaysintheUK,ChannelIslandsandIsleofManwillonlybecoverediftheyincludetwoormoreconsecutivenightsstayinpre-bookedholidayaccommodation.
• Nocoverforclaimsarisingfrompaidorunpaidmanualworkorphysicallabourofanykind(otherthancharityandconservationworkasshownintheActivitybasedholidaysection)orbusinesstravelinvolvinganydealingswithmembersofthepublic.
• Thereisnocoverfor:•thecostoftraveloraccommodationarrangedusingairmilesorloyaltyorownershipschemes orsimilarpromotions•managementfees,maintenancecostsorexchangefeesassociatedwithtimeshares andsimilararrangements•refundoranycourseortuitionfees,projectcosts,sponsorshipfeesorsimilar•motorcyclingonamachineover125ccduringthetrip,unlessthisisyourmode oftransportfromtheUK•youusingaSegway,quadbikeorallterrainvehicleonoroffroadduringthetrip•therefundofanycostsforpersonsnotinsuredunderthispolicy.
• Nocoverforanyclaimresultingfromyoumisusingorbeingunderthedirectorindirectinfluenceoreffectofalcoholordrugs(otherthandrugstakenundermedicalsupervisionandnotfortreatingalcoholordrugaddiction).
• Anyspecificexclusionorlimitationtheinsurermaysendtoyouinwriting.
PLEASE ENSURE YOU READ THIS SECTION
7
PLEASE ENSURE YOU READ THIS SECTION PLEASE ENSURE YOU READ THIS SECTION
Pre-existing medical conditions – important declarations you must make
Pre-existing medical conditions are not covered at any time under this policy unless they have been disclosed to and accepted in writing by the Medical Assessment team.
It is important that you read and fully understand the Medical Declaration on page 20 of this booklet.
Atthetimeofopeningyourqualifyingbankaccountorbookinganytripyoumustensurethatyou calltheMedicalAssessmentteamifanyinsuredperson:1.hasreceivedadvice,medicationortreatmentforanyserious,chronicorrecurringillness,injuryordiseaseinthelast12months.
2.isunderinvestigationorawaitingresultsforanydiagnosedorundiagnosedmedicalcondition.3.isonawaitinglistfor,orawareoftheneedfor,inpatienttreatmentforanydiagnosedorundiagnosedmedicalcondition.
4.hasreceivedaterminalprognosis.5.istravellingagainsttheadviceofadoctororwouldbetravellingagainstmedicaladviceiftheyhadsoughtsuchadvice.
YoumustalsocalltheMedicalAssessmentteamifanyinsuredpersonknowsof:1.acloserelativeorclosebusinessassociatewhoisnottravellingwithyouand/or2.atravellingcompanionorpersonyouplantostaywith,whohasaseriousillness,injuryordiseasewhichcouldaffecttheirdecisiontotakeorcontinueatrip.BetweenbookingatripandthedeparturedateorpriortopayinganyfinalbalanceforthetripyoumusttelltheMedicalAssessmentteamifanyinsuredperson,oranyoneuponwhosegoodhealththetripdepends,hasbeenreferredtoaConsultant/Specialistoradmittedtoahospital.
IfthehospitaladmissionorreferraltoaConsultant/Specialistisinrelationtoanewmedicalconditionoraconditionthathaspreviouslybeenacceptedbyus,Cancellationcoverwillapply.Iftheinsuredpersonstillwishestotravel,theMedicalAssessmentteamwilladviseifcoverwillapplywhilstonthetrip.As the Travel Insurance cover will continue for as long as the account holder has a qualifying bank account, and he/she remains eligible for the cover, you must tell the Medical Assessment team about any change in the status or control of any condition previously declared or if you or anyone upon whose good health the trip depends develops another medical condition.
8
PLEASE ENSURE YOU READ THIS SECTION
Your policy cover
Name of relevant policy section What are the benefits and features?
Cancellation Charges
•Refundofnon-recoverabletravelandaccommodationcostsshouldyou havetocancelyourtripduetoanyofthereasonsstatedinSectionA.
Emergency Medical and Associated Expenses
•Paymentofexpensesforemergencymedicaltreatmentfollowingaccidentalinjuryorillnessduringyourtrip.•Wherenecessarythecostofbringingyouhomebyairambulanceormedicalescortandothernecessarytravelandaccommodationexpenses areincluded.
Abandonment •Proportionaterefundofunusedandnon-recoverableaccommodationcostsshouldyouhavetoabandonyourtripduetoanyofthereasonsstated inSectionC.•Whereapplicable,reasonableadditionaltravelandaccommodationcosts toallowyoutoreturnhomeearly.
Personal Accident •Abenefitispaidfordeathorlossoflimbs/sightorpermanenttotaldisablementfollowingaccidentalinjurysolely,directlyandindependently ofanyothercauseduringyourtrip.
Personal Liability •Coverforyourlegalliabilityifyoucauseaccidentalinjuryordeathtothirdpartiesordamagetotheirpropertyduringyourtrip.
Delayed Departure •Compensationiftheship,aircraftortrainonwhichyouarebookedtotravel isdelayedatyourfinalpointofinternationaldeparturefromortotheUK.•Iftheship,aircraftortrainisdelayedformorethan24hoursatyourfinalpointofinternationaldepartureonyouroutwardjourneyfromtheUKyoucanchoosetoabandonyourtrip.
Enforced Stay Abroad
•Compensationifyouareunabletoreturnhomeonyourscheduledreturndateduetoclosureofairspaceoranairportorport.
Missed International Departure
•AdditionaltravelandaccommodationcostsifyoumissyourinternationaldeparturefromortotheUKduetoanyofthereasonsstatedinSectionH.
Legal Expenses and Advice
•Coverforyourlegalcoststopursueacivilclaimifyousufferpersonalinjuryordeathduringyourtrip.
Hijack •Abenefitforeach24hoursthatyoucannotreachyourdestinationasa resultofthetransportyouaretravellingonbeinghijackedduringyourtrip.
Mugging •Abenefitforeach24hoursthatyoureceivein-patienttreatmentdue toinjurycausedbyamuggingduringyourtrip.
Catastrophe cover •Abenefittowardsextraaccommodationand/ortransportcostsifyouareforcedtomovefromyourindependentlybookedaccommodation,duetooneofthereasonsstatedinSectionL.
Pet Care •Abenefitforeach24hoursthatyourcatordogreceivesin-patientveterinarytreatmentasaresultofsufferingaccidentalinjurywhilstbeingcaredforintheUKduringyourtrip.
Temporary or Emergency Passport Expenses
•Coverforadditionaltravel,accommodationandcommunicationexpensesyouneedtopayduringyourtriptoobtainatemporarypassportifyoursislostorstolenwhileyouareabroad.
PLEASE ENSURE YOU READ THIS SECTION
9
PLEASE ENSURE YOU READ THIS SECTION PLEASE ENSURE YOU READ THIS SECTION
Personal Money •Coverforlossortheftofyourpersonalmoneyincludingcash,travellers’cheques,traveltickets,passportordrivinglicenceduringyourtrip.•Alimitappliestocashandbanknotesandareducedbenefitappliestocashandbanknotesforinsuredpersonsunder16years.
Delayed Baggage •Abenefitfortemporarylossofbaggageformorethan12hoursonyouroutwardjourney.
Baggage cover •Coverforloss,theftordamagetoyourpersonalbelongingsduringyourtrip.•Alimitappliesforsinglearticlesandforvaluables.
Winter Sports cover
•Forloss,theftordamagetowintersportsequipment,andcompensationifanavalanchedelaysyourarrivalordeparturefromyourresortorifyoucannotskiorsnowboardduetopisteclosuresoraccidentalinjuryorillnessduringyourtrip.
Name of relevant policy section(s)
What are the significant or unusual exclusions or limitations?
• Cancellation Charges
• Abandonment
Wewillnotpayclaims:•forpre-existingmedicalconditions,unlessdisclosedtoandacceptedby theMedicalAssessmentteam•forcancellationwhereyouknew,atthetimeofopeningyourqualifying bankaccountorbookingyourtrip(whicheverislater),thatyouwouldbeunable to travel
• Emergency Medical and Associated Expenses
• Abandonment• Personal Accident
Wewillnotpayclaims:•forpre-existingmedicalconditions,unlessdisclosedtoandacceptedby theMedicalAssessmentteam
Personal Liability Wewillnotpayclaimsarisingfrom:•yourjob•theuseofanimals,firearms,motorisedvehicles,vesselsoraircraft (exceptwherementionedintheLeisureactivities,activitybasedholidays orwintersportsactivitiessection).
Delayed Departure Wewillnotpayclaims:•wherethereasonforthedelaywaspublicknowledgeatthetimeofopeningyourqualifyingaccountorbookingyourtrip,whicheverislater•forinternaland/oronwardconnectingtravel•ifthetransportuponwhichyouarebookedtotraveliscancelledbythecarrier•ifyourholidayissolelywithintheUK,ChannelIslandsandIsleofMan.
Enforced Stay Abroad
Wewillnotpayclaims:•foradditionaltravelandaccommodationexpensesifpriortothenotificationoftheairspace,oranairport/port,beingclosedyouhavenotpurchasedyourreturntickettotheUK.
Missed International Departure
Wewillnotpayclaims:•wherethereasonforthedelaywaspublicknowledgeatthetimeof openingyourqualifyingaccountorbookingyourtrip,whicheverislater•ifyourholidayissolelywithintheUK,ChannelIslandsandIsleofMan.
10
Legal Expenses and Advice
Wewillnotpayclaims:•whichdonothaveareasonableprospectofsucceeding•foranycostsincurredbeforeyourclaimhasbeenaccepted•relatingtodeathorpersonalinjuryasaresultofanaccidentinvolving avehicleyouweredrivingwithoutavalidlicenceand/orinsurance
• Mugging• Temporary or
Emergency Passport Expenses
Wewillnotpayclaims:•wheretheincidenthasnotbeenreportedtothepolicewithin24hours ofdiscoveryandawrittenpolicereportobtained.
• Personal Money• Baggage Cover• Winter Sports
Wewillnotpayclaims:•ifthelossortheftisnotreportedtothepolicewithin24hoursofdiscoveryandawrittenpolicereportobtained(orotherindependentproofofloss)•forlossofpersonalmoneyorvaluablesnotcarriedinyourhandbaggagewhilstyouaretravelling•forscubadiving,golforfishingequipment•forwintersportsequipmentleftinamotorvehicle.
PLEASE ENSURE YOU READ THIS SECTION
How long does my HSBC Travel Insurance run for?Thepolicywillremaininforceuntilthefirstofthefollowingautomaticterminationeventsoccur–theaccountholder:
• closesthequalifyingbankaccount
• reaches70yearsofage
• isnolongeraUKresident.Asyourcircumstancesmaychangeovertime,itisimportantthatyoureviewthetermsandconditionsofyourHSBCTravelInsuranceregularlytocheckyouremaineligibleandthatthecoverremainsadequateforyourneeds.
Cancellation RightsYouhaveastatutory14dayperiodinwhichtocancelyourqualifyingbankaccount.Thisperiodbeginsonthedateyouopenedthequalifyingbankaccountorwhenyoureceiveyourpolicybooklet,whicheverislater.ToexercisetherighttocancelthisTravelInsurancecoverthequalifyingbankaccountmustbecancelled.IfthebankaccountisnotcancelledtheTravelInsurancewillremainactiveuntilthefirstoftheautomaticterminationeventsshownaboveoccur,orthepolicyiscancelledinaccordancewiththerightssetoutinGeneralConditionssectionofthepolicywording.Toexerciseyourrighttocancel,pleasecontactyourHSBCBankbranchoryourHSBCPremierRelationshipManager,ifyouareaPremiercustomer.
How do I make a claim?Shouldyouneedtomakeaclaimunderthispolicy,pleasecontacttheappropriatehelplineforthequalifyingaccountdetailedatthefrontofthisbooklet.
Complaints ProcedureHow do I make a complaint?Wehopethatyouwillbeveryhappywiththeservicethatweprovide.However,ifforanyreasonyouareunhappywithit,wewouldliketohearfromyou.Inthefirstinstancepleasecontactyourusualpointofcontact.AvivaiscoveredbytheFinancialOmbudsmanService.Ifyouhavecomplainedtousandwehavebeenunabletoresolveyoucomplaint,youmayreferittothisindependentbody.Followingthecomplaintsproceduredoesnotaffectyourrighttotake legalaction.
Would I receive compensation if Aviva were unable to meet their liabilities? AvivaisamemberoftheFinancialServicesCompensationScheme(FSCS).Youmaybeentitledtocompensationfromthisschemeif wecannotmeetourobligations,dependingon thetypeofinsuranceandthecircumstances ofyourclaim.FurtherinformationabouttheFSCSarrangementsisavailablebycontactingthemon08006781100,orbyvisitingtheirwebsiteatwww.fscs.org.uk,orwritetoFinancialServicesCompensationScheme,10thFloor,BeaufortHouse,15StBotolphStreet,LondonEC3A7QU.
11
Summary of Cover - Limits and ExcessesPleaseusethetablebelowasasummaryonly.Thefulldetailsofyourpolicycoverareexplainedinthepolicywording.
Section Coverage Policy Limits per Person per Trip (unlessotherwisestated)
Excess per person, per incident (unlessotherwisestated)
Cancellation Charges
Overall limitExcursionsKennel/catteryfees
£5,000£250£200
£50(£20forlossofdeposit)
Emergency Medical and Associated Expenses
EmergencymedicaltreatmentoutsidetheUKEmergencydentalpainreliefAssociatedexpensesoutsidetheUKBurial/cremationoutsidetheUKRepatriationofremainsfromoutsidetheUKAssociatedexpenseswithintheUKRepatriationofremainswithintheUKHospitalbenefit–overalllimitBenefitforeach24hourperiodHolidayDisruption–overalllimitBenefitforeach24hourperiod
£10,000,000
£350£10,000,000£5,000
£7,500£2,000£2,000£500£25£500£25
£50
Nil–HospitalBenefit
Nil–HolidayDisruption
Abandonment Overall limitExcursionsKennel/catteryfees
£5,000£250£200
£50
Personal Accident
DeathbenefitDeathbenefit–ifagedunder16PermanenttotaldisablementLossoflimb/sight
£50,000£1,000£50,000£50,000
Nil
Personal Liability
Overalllimitperincident £2,000,000 £100forincidentsarisingfromtheoccupationoftemporaryholidayaccommodation
Delayed Departure
DelayeddeparturebenefitBenefitforeach12hourperiodorAbandonmentfollowing24hourdelayExcursionsKennel/catteryfees
£250£25
£5,000£250£200
£50forabandonment after24hrs
12
Enforced Stay Abroad
EnforcedstayabroadoveralllimitBenefitforeach24hourperiodorAdditional travel and accommodation expenses
£1,500£100
£1,000
Nil
Missed International Departure
Overall limit £1,000 Nil
Legal Expenses and Advice
Overall limit £50,000 Nil
Hijack Overall limitBenefitforeach24hourperiod
£1,000£50
Nil
Mugging Overall limitBenefitforeach24hourperiod
£1,000£50
Nil
Catastrophe cover
Overall limit £750 Nil
Pet Care OveralllimitperincidentBenefitforeach24hourperiod
£250£25
Nil
Temporary or Emergency Passport Expenses
Overall limit £350 Nil
Personal Money Overall limitCash/banknotesCash/banknotes–ifagedunder16
£500£300£100
£50
Delayed Baggage
Overall limit £150 Nil
Baggage cover Overall limitLimitforanyonearticle,pairorsetLimitforvaluables(asdefinedinpolicybooklet)
£1,500£300£400
£50
Winter Sports cover
Wintersportsequipment
•ownequipment
•hiredequipment
•hireofreplacementequipment
•lossorstolenliftpassDelayduetoAvalanchePisteClosureoveralllimit
•Dailybenefit(transportandcompensation)SkiPackInabilitytotakepartinwintersportsactivities–overalllimit
•Dailybenefit
£500£500£200£200£200£300£30
£300
£200£20
£50
13
Other Important Information about Your PolicyEligibilityYouwillbeaskedquestionstoestablishyoureligibilityforthisTravelInsuranceandyourawarenessoftheneedtodisclosepre-existingmedicalconditionssufferedbyyou,atravellingcompanionorcloserelative.PleasereadtheMedicalDeclarationonpage20andcontacttheMedicalAssessmentteamifrequiredtodoso.IfyouareinanydoubtastowhatmedicalinformationshouldbedisclosedpleasecontacttheMedicalAssessmentteam.Ifanychangesariseduringtheperiodofinsurancecoverpleaseprovidetheinsurerwithdetails.HSBCBankplcandtheinsurerrecommend youkeeparecord(includingcopiesofletters) ofallinformationprovidedtotheinsurerforyourfuturereference.
Data Protection Act – Information UsesForinsurancepurposesHSBCBankplcandtheinsurermayuseanypersonaldatayousupply asfollows:
Insurance AdministrationYourinformationmaybeusedforthepurposesofinsuranceadministrationbytheinsurer,itsassociatedcompaniesandagentsandbyHSBCBankplc,itsparentcompanyandsubsidiariesandsubsidiariesofitsparentcompany(the“HSBCGroup”).Itmaybedisclosedtoregulatorybodiesforthepurposesofmonitoringand/orenforcingtheinsurer’scompliancewithanyregulatoryrules/codes.Yourinformationmayalsobeusedforresearchandstatisticalpurposesandcrimeprevention.Itmaybetransferredtoanycountry,includingcountriesoutsidetheEuropeanEconomicAreaforanyofthesepurposesandforsystemsadministration.Wherethishappens,HSBCBankplc,othermembersoftheHSBCGroup,theinsurerand/orotherthirdpartieswillensurethatanyonetowhomyourinformationispassedagreestotreatyourinformationaccordingtoastrictcodeofsecrecyandsecurity.IfyougiveHSBCBankplc,theinsureroritsagentsinformationaboutanotherperson,indoingsoyouconfirmthattheyhavegivenyoupermissiontoprovideittousandforustobeabletoprocesstheirpersonaldata(includinganysensitivepersonaldata)andalsothatyouhavetoldthemwhoweareandwhatwewillusetheirdatafor,assetoutinthisnotice.Inthecaseofpersonaldata,withlimitedexceptions,andonpaymentoftheappropriatefee,youhavetherighttoaccessandifnecessaryrectifyinformationheldaboutyou.
FormoredetailsonaccessinginformationrelatingtoyourinsuranceheldaboutyoubyAvivawriteto:TheDataProtectionTeam AvivaInsuranceLimited Level2West Pitheavlis Perth PH20NHFormoredetailsonaccessinginformationheldaboutyoubyHSBCBankplcwriteto:UKDataProtectionCompliance HSBCBankplc GriffinHouse2-01 41SilverStreetHead Sheffield S13GG
InassessinganyclaimsHSBCBankplc,theinsureroritsagentsmayundertakechecksagainstpubliclyavailableinformation(suchaselectoralroll,countycourtjudgments,bankruptcyorders orrepossessions).Informationmayalsobesharedwithotherinsurerseitherdirectlyorviathoseactingfortheinsurer(suchaslossadjustersorinvestigators).
Sensitive DataInordertoassessthetermsoftheinsurancecontractoradministerclaimsthatarise,membersoftheHSBCGroupand/ortheinsureroritsagentsmayneedtocollectdatathattheDataProtectionAct1998definesassensitive(suchasmedicalhistoryorcriminalconvictions).ByproceedingwiththisinsuranceyouwillsignifyyourconsenttosuchinformationbeingprocessedbyHSBCGroup and/ortheinsureroritsagents.
Fraud Prevention and DetectionInordertopreventanddetectfraudHSBCBankplcandtheinsurermayatanytimeshareinformationaboutyouwithotherorganisationsandpublicbodiesincludingthePolice.Youshouldshowthesenoticestoanyonewhohasaninterestintheinsuranceunderthepolicy.
Telephone Call RecordingForourjointprotectioncallsmayberecordedand/ormonitored.
Aviva’s Regulatory StatusAvivaisauthorisedandregulatedbytheFinancialServicesAuthority(FSA).Itisregisteredas:AvivaInsuranceLimitedanditsregistrationnumberis202153.YoumaycheckthisinformationandobtainfurtherinformationabouthowtheFSAprotectsyoubyvisitingtheirwebsite www.fsa.gov.uk/registerorbycontactingthem on08456061234.
14
Section 2 Policy Wording
Welcome to your HSBC Travel Insurance TheHSBCTravelInsurancecoversetoutinthispolicywordingisincludedwithyour qualifying bank account.Thispolicywordinggivesyoufulldetailsofwhatiscovered,whatisnotcoveredandthelimitsandconditionsofcover.Pleasereadthepolicywordingcarefully,keepitinasafeplaceandtakeitwithyouwhenyoutravel.Youmustcomplywiththepolicyconditions.Ifyoudonotcomply,we may refuseorreduceyourcoverintheeventofaclaim.
DefinitionsWhereverthefollowingwordsorphrasesappearinboldinthispolicywording,theywillhavethefollowingmeanings.Abandon/Abandonment ReturningtotheUK beforeyour scheduledreturndate(includingbeingrepatriatedbyus to a hospital),orbeinganin-patientinhospitalformorethan24hoursduringyour trip.Account holder Anypersonnamedasanaccountholderonthequalifying bank account,whoisunder 70yearsofageatthestartdateofthetrip.Close Business Associate Someone you workwithintheUK whohastobeinworkinorderforyou to be able to go on or continue a trip.Aseniormanagerordirectorofthebusinessmustconfirmthisintheeventofaclaim.Close Relative Your mother,father,sister,brother,marital/civilordomesticpartnerwholiveswithyou,fiancé(e),daughter,son,grandparent,grandchild,parent-in-law,daughter-in-law,son-in-law,brother-in-law,sister-in-law,step-parent,step-child,step-sister,step-brother,aunt,uncle,cousin,nephew,niece,legalguardianorfosterchild.Doctor AregisteredmemberofthemedicalprofessionpractisingintheUK whoisnotrelatedtoyou or anyone you aretravellingwith.Excess/Excesses Theamount(s)thatyou willhavetopaytowardsanyclaim.Thisappliestoeachclaimpersection,whereapplicable.Home Your homeaddressintheUK. HSBC Bank plc HSBCBankplc,registeredinEnglandnumber,14259,registeredoffice:8CanadaSquare,London,E145HQ.
Loss of One or More Limbs Thelossofyour handorfootatorabovethewristorankle,orthetotalandpermanentlossofuseofyour entirehand,arm,footorleg.Office-based business travel TraveloutsideoftheUK, ChannelIslandsandIsleofMan,ifthereasonforyourjourneyistocarryoutwhollyoffice-basedclericaloradministrativedutiesonly,whichdoesnotinvolveyou dealing withmembersofthepublic.Office-basedbusinesstravelislimitedtoamaximumof31daysinanycalendaryear.Partner Thepersonthattheaccount holder liveswithathome inadomesticrelationship,whethermarriedorcohabiting(asifhusbandandwife),regardlessofgender,whoisunder70yearsofageatthestartdateofthetrip.Period of Insurance Eachtrip you make,whilstthequalifying bank account isinforce,willbetreatedasaseparateperiodofinsurance;individuallysubjecttoallpolicyterms,conditions,warrantiesandexclusions.Coverforeachseparatetripappliesasfollows:•Cancellationcoverbeginsfromthedateofopeningthequalifying bank accountorthedate ofbookingeachseparatetrip(whicheverislater)andendswhenyou leave your hometostart your trip.•Coverunderallothersectionsstartswhenyou leave your homeandendswhenyou return homeprovidingthatyoudonotexceedthetrip limit.ThemaximumtimeyoucanspendoutsideoftheUK, ChannelIslandsandIsleofManinanycalendaryearis183daysintotal.Permanent Total Disablement Apermanentandtotaldisabilitythatmeansyou cannotdoanykindofjob.Personal Money Cash(includingforeigncurrency),travellers’cheques,non-refundablepre-paideventandentertainmenttickets,traveltickets,passportsanddrivinglicences.Point of International Departure Theairport,portorstationfromwhichyouwillundertakeinternationaltravelfromorintotheUK.Pre-booked Holiday Accommodation Acommerciallyrunpremiseswhereafeeischargedwhichhasbeenbookedpriortothedepartureofyour trip,includingaprebookedtentorcaravanpitch,butnotincludingresidentialpropertiesbelongingtofamilyorfriends.
15
Qualifying Bank Account HSBCPremier HSBCAdvance/HSBCAdvance(Graduate)Total Loss Of Sight Completeandpermanentlossofsight.Travelling Companion Apersonyou travelwith,withoutwhomyou cannotmakeorcontinueyour trip.Trip(s) JourneysbeginningandendingintheUK thatlastnomorethan31daysthatareeither:•holidaysoutsidetheUK, ChannelIslandsandIsleofMan;or•Office-based business traveloutsidetheUK, ChannelIslandsandIsleofMan;or•holidayswithintheUK, ChannelIslandsandIsleofMan,thatincludetwoormoreconsecutivenightsstayinpre-booked holiday accommodation.ImportantNotes:1.Coverforwintersportsholidaysislimitedto21daysintotalinanycalendaryear.2.Coverforoffice-based business travelislimitedto31daysintotalinanycalendaryear.UK England,Scotland,WalesandNorthernIreland,UK Resident An insured person whosemainhome isintheUK,whoisregisteredwithadoctor intheUK and whoisliabletopaytaxesintheUK.YoumusthavebeenresidentintheUK, ChannelIslandsandIsleofManforatleast6monthsbeforethequalifying bank accountwasopenedorthetripwasbooked(whicheverislater).Unattended Not in your fullvieworpositionedwhereyou areunabletopreventunauthorisedtakingofyour property,unlessitisleftinalockedroomorsafe.Propertyleftinamotorvehicleisunattendedunlessthevehicleislockedandtheitemshavebeenplacedoutofviewinanenclosedstoragecompartment,bootorluggagespace.Valuables Jewellery,costumejewellery,watches,itemsmadeoforcontaininggold,silver,preciousmetalorpreciousstones,binoculars,handheldgamesconsolesandequipment,mobilephones,audiovisual,photographic,videocamera,computerandtelevisionequipment,portablein-carandhandheldsatellitenavigationdevices.We, Us, Our, Insurer AvivaInsuranceLimited.RegisteredinScotland,No2116.RegisteredOffice:Pitheavlis,PerthPH20NH.Authorised andregulatedbytheFinancialServicesAuthority.
Winter Sports Equipment Skis,snowboard,boots,helmets,bindingsorpoles.You/Your/Yours/Yourself/Insured Person Theaccount holder,his/herpartner andtheirdependentchildrenwhoatthestartdateofthetrip areunder18yearsofage(under23yearsofageifstillinfulltimeeducationandlivingathome outsideoftermtime).Childrenareonlycovered;• whentravellingwiththeaccount holder,orhis/herpartner,or• whilsttravellingabroadontheirowntovisitandstaywithclose relatives wholiveabroad, forthedurationofthetrip.
General Exclusions which apply to the whole travel policyThispolicydoesnotcoverthefollowing:1.Anyconsequencewhatsoeverwhichisthedirectorindirectresultofanyofthefollowing,oranythingconnectedwithanyofthefollowing,whetherornotsuchconsequencehasbeencontributedtobyanyothercauseorevent:a.war,invasion,actofforeignenemy,hostilitiesorawarlikeoperationoroperations(whetherwarbedeclaredornot),civilwar,rebellion,revolution,insurrection,civilcommotionassumingtheproportionsoforamountingtoanuprising,militaryorusurpedpower.b.anyactiontakenincontrolling,preventing,suppressingorinanywayrelatingtoa)above.2.Claimsdirectlyorindirectlycausedby:a.ionisingradiationorcontaminationbyradioactivityfromanynuclearfuelorfromanynuclearwastefromburningnuclearfuel;orb.theradioactive,toxic,explosiveorotherhazardouspropertiesofanyexplosivenuclearassemblyornuclearpartofanassembly;orc.pressurewavescausedbyaircraftandotheraerialdevicestravellingatsonicorsupersonicspeeds.3.Anyclaimforyourdeath,injuryordisabilityresultingfrom;a. yoursuicideorattemptedsuicide,orb. youmisusingorbeingunderthedirectorindirectinfluenceoreffectofalcoholordrugs(otherthandrugstakenundermedicalsupervisionandnotfortreatingalcoholordrugaddiction).4.Anyclaimwhereduringthetrip, you deliberatelyputyourselfatriskofdeath,injury,Illnessordisability(unlessyouweretryingtosavehumanlife).5.Claimsresultingfromanytouroperator,travelagent,airlineorotherserviceproviderbecoming
16
insolventandnotbeingableorwillingtocarryoutanypartoftheirdutytoyou.6.Anylossthatisnotspecificallydescribedinthestatedtermsandconditions,e.g.wewillnotpayforlossofearningsifyou are unable to return to workduetoinjuryorillnessduringyour trip.7. Wedonotcoveranypayment,whichyou wouldnormallyhavemadeduringyourtravelsand/orwhichdoesnotfallwithintheeventsinsuredunderthetermsofthisInsurancepolicy.8.Anyclaimthatresultsfromanyanxietystate,depression,mental,nervousoremotionaldisorderwhichhadbeendiagnosedbeforeyouopenedthequalifying bank accountorthetripwasbooked,(whicheverislater)9.Anyclaimforanincidentoccurringduringthetripthatresultsfrom:a. youflying(exceptwhiletravellinginanaircraftasapassenger)ortakingpartinotheraerialactivitiesnotlistedintheLeisureactivities,activitybasedholidaysandwintersportssection.b. youusingascooter,mopedormotorcycleasariderorpassengeronamachine;i. 125ccorunder;unlessyouwearacrashhelmetand,asarider,youarefullylicensedtousesuchavehicleintheUK ii.over125cc;unlessthisisyourmodeoftransportfromtheUK and youwearacrashhelmetandappropriateprotectiveclothing;and,asarider,youarefullylicensedandinsuredtousethisvehicleintheUK c. youusingaSegway,quadbikeorallterrainvehicleonoroffroadasariderorpassengerd. youdrivinganymotorisedvehicle,unlessyou arefullylicensedtodrivesuchavehicleintheUK e. youusinganymotorisedvehicleasadriverorpassenger,unlessyouhavecompliedwithalllawsapplyingtouseofthatvehicleinthecountryyou arevisiting,forexample,youmustwearaseatbeltwherethisisrequiredbylawf. yourinvolvementinpaidorunpaidmanualworkorphysicallabourofanykind,otherthanCharityandConservationworkasshownintheActivitybasedholidayssectiong. youtakingpartinaleisureactivity,activitybasedholidayorwintersportsactivitynotlistedintheLeisureactivities,activitybasedholidaysandwintersportactivitiessectionh. youtakingpartinexpeditions.10.Anyclaimresultingfromatropicaldiseasewhereyouhavenothadtherecommendedinoculationsand/ortakentherecommendedmedication.
11. Anyclaimfor:a.unusedtraveloraccommodationarrangedbyusingairmiles,loyaltyorownershipschemes,orsimilarpromotionsb.managementfees,maintenancecostsorexchangefeesassociatedwithtimesharesandsimilararrangementsc.costswherethesearerecoverablefromyour traveland/oraccommodationproviderd.refundofanycostsforpersonsnotinsuredunderthispolicye.administrationcostschargedbyyourtraveland/oraccommodationproviderinrespectofobtainingarefundforunusedtravelandaccommodation.
General Conditions which apply to the whole travel policy1.Theaccount holdermusthaveaqualifying bank account.2. Itisyourresponsibilitytoprovidecomplete andaccurateanswerstothequestionsaskedwhenyouopenthequalifying bank account andtotelltheinsurer about yourhealthand thehealthofanyoneelseyourtravelplans dependon.Itisthereforeveryimportantthat youreadtheMedicalDeclarationonpage20.Pleasenotethatifyoufailtodiscloseanymedicalinformationtousthiscouldinvalidateyour insurancecoverandcouldmeanthatpartorallofaclaimmaynotbepaid.3. Youmusttakereasonableprecautionstoprotectyourself and yourpropertyagainstanyaccident,injury,theft,lossordamage.4.Ifwemakeapaymentbeforecoverisconfirmedandourclaimsinvestigationrevealsthatnocoverexistsunderthetermsofthepolicy,youmustpayusbackanyamountwehavepaid,whichyouarenotcoveredfor.5. Youmusttellusassoonaspossibleafteranyinjury,illness,incidentorredundancy,orifyoudiscoveranylossordamagewhichmayleadtoaclaimunderthispolicy.Youmustalsotell usifyouareawareofanylegalproceedings,summonsorprosecution.Youmustsendus everycommunicationrelatingtoaclaimassoonasreasonablypracticable.6. You,oranypersonactingforyou,mustnotnegotiate,admitorrejectanyclaimwithoutour permissioninwriting.7. Wemayrefusetopayanyexpensesforwhichyoucannotprovidereceiptsorbills.8. You or yourlegalrepresentativemustpayforanycertificates,informationandevidence,whichwemayneed.Whenthereisaclaimforinjuryorillness,wemayaskfor,andwillpayfor,any
17
insured persontobemedicallyexaminedonour behalf.Wemayalsoaskfor,andwillpayfor,apost-mortemexaminationifanyinsured persondies.9.If,atthetimeofanincidentwhichresultsinaclaimunderthispolicy,thereisanyotherinsurancecoveringthesameloss,damage,expenseorliability,weareentitledtoapproachthatinsurerforacontributiontowardstheclaim,andwillonlypayour share.ThisconditiondoesnotapplytothePersonalAccident,HolidayDisruptionorHospitalBenefitcover.10. Weareentitledtotakeoverandcarryoutinyournamethedefenceorsettlementofanylegalaction.Wemayalsotakeproceedingsatourownexpenseandforourownbenefit,butinyour name,torecoveranypaymentwehavemadeunderthispolicytoanyoneelse.11. Youcannottransferyourrightsunder thispolicy.Aperson,partnership(whetherlimitedornot)orcompanywhoisnotinsuredunderthepolicyhasnorightsundertheContracts(RightsofThirdParties)Act1999toenforceanyofitsterms.12.Ifyoumakeamedicalclaimyou may be askedtosupplyyour doctor’s name to enable ustoaccessyourmedicalrecords.Thiswillhelpthetreatingdoctors,andus,toprovideyou withthemostappropriatetreatmentandassesswhethercoverapplies.Ifyou do not agree to providethiswemaynotdealwithyourclaim.13.Followingtheexpiryofyourstatutorycoolingoffperiod,youcontinuetohavetherighttocancelyourTravelInsurancepolicyatanytimebycontacting HSBC Bank plc,butnorefundofanyfeespayableinrespectofyour qualifying bank accountwillbeavailable.14. Wecan,atanytimeandaftertakingafairandreasonableview,makechangestoyourpolicycoverand/ortermsandconditionsofinsuranceto:•reflectchangesinourexpectationofthefuturecostofprovidingcoverandadministeringyourpolicy•reflectchangesinthelaw,regulationortaxationthataffectsusoryourpolicy.Changeswillbenotifiedtoyouinwritingatleast30daysbeforetheybecomeeffective.Policycovermaybeincreasedordecreased. 15. We (or any agent weappointandwhoactswithourspecificauthority)maycancelthispolicybysending30daysnoticetoyourlastknownaddress.
Helpful and important information about your insurance This policy is not a general health or private medical insurance policy and will only cover you if you have a sudden and unexpected accident or become ill. It does not cover:
• non emergency treatment, or • any treatment that you knew you might need whilst on your trip, or• claims arising from any pre-existing medical conditions unless declared to and accepted in writing by the Medical Assessment helpline.It is therefore very important that you read the Medical Declaration on page 20, and provide complete and accurate information. The Medical Declaration applies each time you book a trip under your HSBC Travel Insurance policy; it applies to all insured persons and anyone else upon whose good health your trip depends, even if they are not travelling with you.
24-hour Worldwide Medical Emergency Assistance ServiceThecostoftheMedicalEmergencyAssistanceServicewillbemetunderthisHSBCTravelInsurance.Theservicewillbegovernedbytheterms,conditionsandexclusionsinthispolicyandwillbeoperatedbyourappointedMedicalEmergencyAssistanceprovider.Ifanyillnessorinjurymeansthatyou need to go intohospitalasanin-patientoryouaretoldbythetreatingdoctorthatyouaregoingtorequiretestsorinvestigationsasanout-patient,youmustcalltheMedicalEmergencyAssistancehelplinenumbershownatthefrontofthisbookletbeforeyoumakeanyarrangements.Ifthisisnotpossiblebecausetheconditionisserious,youmustcontactthehelplineassoonaspossibleafteryougointohospital.AnexperiencedMedicalEmergencyAssistanceco-ordinatorwilldealwithyourenquiryandmakesurethat:1.wherenecessary,hospitalsarecontacted;and/or2.necessarymedicalfeesareguaranteed;and/or3.medicaladvisersareconsulted.IfyouneedtoreturntotheUKforanyreason,itisalsoimportantthatyoucontacttheMedicalEmergencyAssistancehelplinenumbershownatthefrontofthisbookletbeforeyoumakeanyreturnjourneyarrangements.ItmayaffectyourclaimifyoudonotcontacttheMedicalEmergencyAssistancehelpline.
Amendments to your cover Youcanupgradefromthestandardcoverfortheextensionsshownbelow.Ifyouneedanupgrade,pleasecalltheUpgradehelplinenumbershownatthefrontofthisbookletforfurtherinformationandaquotation.•ExtendedTripDuration–you may be able toextendanindividualtripfromthestandard 31daylimit.
18
•Golf–increasedcoverforloss,damageor theftofyourgolfclubs.•IncreasedCancellation/AbandonmentCover–wherethecostofyourholidayismorethan£5,000,youcanupgradetoamaximumsuminsuredof£7,500perperson.•ScubaDiving–theupgradewillallowyou to divetoadepthof30metres,providingyou are qualifiedanddivingwithaqualifieddivemaster orinstructor.
Automatic CoverTheinsurancecoverautomaticallyappliesforeachtrip;thismeansyoudonothavetocontactus every time youbookatrip,unlessyou need to tell usaboutanychangetoapreviouslydisclosedmedicalconditionorthediagnosisofanewmedicalcondition.
Automatic Extension of Cover Ifyoucannotgetbackhomebeforeyour cover ends,yourinsurancewillremaininforceasfollows:1.upto14daysifanyvehicleyou are travelling in breaksdown,oranyvehicle,vessel,trainoraircraftinwhichyouaretravellingasaticketholdingpassengeriscancelledordelayed;or2.upto30daysifyou cannot return home due to youraccidentalinjuryorillnessorquarantine.WewillalsocontinuetopayformedicaltreatmentundertheEmergencyMedicalandAssociatedExpensessectionforthisperiodoranyextendedperiodthatisconsideredmedicallynecessarybyourMedicalEmergencyAssistanceproviderandagreed by us.
Automatic Termination of CoverAllcoverunderthisHSBCTravelInsurancepolicywillceaseautomatically:•iftheaccount holderclosesthequalifying bank account.•whentheaccount holderreaches70yearsofage.•ifyou are no longer a UK resident.Ifaninsured personisonatripatthetimeanautomaticterminationeventoccursallcover willceasewhenthetripends.Ifthequalifying bank accountisheldinjointnamesandanyaccount holderreaches70yearsofage,coverwillcontinueforanyothereligibleaccount holderandotherinsured persons until all account holdershavereached70yearsofage.
Changes we need to know aboutPleasecalltheMedicalAssessmenthelplineshownatthefrontofthisbookletimmediately
ifthereareanychangestoyourhealthorthehealthofanyoneelsethetripdependson,(eg,atravelling companion,oraclose relative even iftheyarenottravellingwithyou).PleaseseetheMedicalDeclarationfordetailsoftheinformationyou need to tell usabout.
ChildrenDependentchildrenwhoatthestartdateofthetripareunder18yearsofage(under23yearsofageifstillinfulltimeeducationandlivingathome outsideoftermtime)areonlycovered;• whentravellingwiththeaccount holder,or his/herpartner,or• whilsttravellingabroadontheirowntovisitandstaywithclose relatives wholiveabroad, forthedurationofthetrip.
Choice of Law ThelawofEnglandandWaleswillapplytothiscontract,unless:1. youandtheInsureragreeotherwise;or2.atthedateofthecontractyouarearesidentofScotlandorNorthernIrelandinwhichcase(intheabsenceofagreementtothecontrary)thelawofthatcountrywillapply.
Customers with Disabilities Thispolicyandotherassociateddocumentationarealsoavailableinlargeprint,audioandBraille.IfyourequireanyoftheseformatspleasecontactCustomerServicesonthehelplinenumber08457404404(viaTextRelayifappropriate)ortheTextPhoneservicenumber1800108457125563withintheopeninghoursshownonpages2and3.
Foreign and Commonwealth Office (FCO) TheFCOprovidestraveladvicetohelpUKresidentsmakejudgementsabouttravellingtoaparticularcountry,providingguidanceonstayingsafewhilstinthecountryandbeingawareofon-goingissuesthatmayinterferewithyourtravelplans.PleasenotethispolicydoesnotprovidecoverforCancellationorAbandonmentifyou decide not to travel or continue a tripbecausetheFCOhaveissuedadviceagainstalltravelorallbutessentialtraveltoaparticularcountry.IntheeventofsuchaTravelAdvisorybeingissuedforyourdestination,youshouldalwayscontactyourtouroperator/travelagentinthefirstinstance.Ifyou cannot rearrange yourtravel,youwillhavethefullbenefitofyourinsurancesolongasyou complywiththeadviceofthelocalauthorities,forexamplebyobservingcurfewrestrictionsandavoidingpublicgatheringsordemonstrationsandyoudonotputyourselfindanger.SpecificallypleasenoteGeneralExclusions1and4onpage15.
19
Leisure activities, activity-based holidays and Winter Sports activitiesYouareautomaticallycoveredforclaimsarisingfromyourparticipationinanumberofleisureactivitiesonanincidentalandrecreationalbasis; orifyouhavebookedanacceptableactivity-basedholiday–seetheLeisureactivities,activitybasedholidaysandwintersportsactivitiessectionforfulldetails.
Policy Limits Eachsectionofyourpolicyhasalimitontheamount wewillpayunderthatsection.Somesectionsalsoincludeotherspecificlimits,forexample,foranyoneitemorlimitsforvaluables intotal.Checkyourpolicywordingtoseeifthecoverisadequateifyouwanttotakeexpensiveitemsawaywithyou.
Reasonable Care Youmusttakethesamelevelofcareasyou wouldtakeifyoudidnothavethisinsurance. Youmusttakeallreasonableprecautionstoprotectyourselfandpreventaccidents,theft, lossordamage.
Reciprocal Health Agreements • European UnionIfyouaretravellingtocountriesintheEuropeanUnion,Iceland,Liechtenstein,NorwayorSwitzerlandwestronglyrecommendthatyoutakeaEuropeanHealthInsuranceCard(EHIC)withyou.Applicationformscanbeobtainedfromthepostofficeoronlineandshouldbecompletedandvalidatedbeforeyoutravel.Thiswillallowyoutobenefitfromthereciprocalhealtharrangementswhichexistwiththesecountries.Youshouldtakereasonablestepstousethesearrangementswherepossible.• AustraliaIfyourequiremedicaltreatmentinAustraliayou mustenrolwithalocalMedicareoffice.You do not need to enrol on arrival but youmustdothisafterthefirstoccasionyoureceivetreatment.In-patientandout-patienttreatmentatapublichospitalisthenavailablefreeofcharge.Detailsofhowtoenrolandthefreetreatmentavailablecanbefoundinthe‘HealthAdviceforTravellers’leafletwhichcanbeobtainedfromtheDepartmentofHealth.
Scooters/Mopeds/MotorcyclesYouareautomaticallycovered,asariderorpassenger,ifyouhireascooter,mopedormotorcycle125ccorunderduringyour tripforincidentalandrecreationaluse,providingthat youwearacrashhelmet,andasarideryou arelicensedtousesuchavehicleintheUK.Nocoverwillapplyforthehireofscooters,mopedsormotorcyclesover125cc.
IfyouareusingamotorcycleasyourmodeoftransportfromtheUK,the125cclimitdoesnotapplyprovidingthatyouwearacrashhelmetandappropriateprotectiveclothing,andasarideryou arefullylicensedandinsuredtousethisvehicleintheUK.NoPersonalLiabilitycoverwillapplyunderthispolicyfortheuseofanymotorisedvehicle.
Segway/Quad Bikes/All Terrain Vehicles (ATV)NocoverexistsunderthispolicyforyouruseofSegway,quadbikeorotherATV,asariderorpassenger,whetheronoroff-road.
Telephone Call Recording Forourjointprotectiontelephonecallsmayberecordedand/ormonitored.
Travel Assistant helplineTheTravelAssistantisahelplineservicethathelpsyousortoutallkindsoftravelproblems.Beforeyougo,andwhileyouareaway,TravelAssistantcanhelpyouwithawiderangeoftraveladvice,frominformationonthecountryorcountriesyouarevisitingtosortingoutnonmedicalemergenciesabroad.TheTravelAssistanthelplineserviceisavailable24hoursaday.Tousetheservice,pleasecallthehelplinenumbershownatthefrontofthisbooklet.SaythatyouareinsuredbyAvivaInsuranceLimitedthroughHSBC Bank plc.Pleasedonotcallthisnumberforpolicyqueriesorchanges.Advice before you travelTheTravelAssistanthelplineservicewillgiveyou advice on:•anyvisaandentrypermitsyoumayneed;•anynecessaryvaccinationandinoculationrequirements,andwhereyoucangetthemdone;•whatyoushouldtakewithyouregardingfirstaidandhealth;•whatcurrenciesandtravellers’chequestotakewithyou,andwhatthecurrentexchangeratesare;•thelanguagesspoken,timezones,bankholidaysandclimateofcountriesyouplantovisit;and•importandexportallowancesfortourists.While travellingTheTravelAssistanthelplineservicewillalsobeabletohelpyouwhileyou are on a trip by giving advice and guidance:•onhowtoreplacelostorstolenpassports,drivinglicences,airtickets,orothertraveldocuments;•onhowtotraceyourluggagewiththeairlineoperatorifitisdelayedorlost;
20
•onwhy,how,whereandwhenyoushouldcontactlocalEmbassiesorConsulates;•onhowtotransfermoneyouttoyouifyou needit;•oncancellationofcreditcardsiflostorstolen,andhelpingyoutoreportthelosstoyour card provider;and•torelatives,friendsoremployersifyou are unfortunateenoughtogointohospital.Other emergency services while travelling•A‘phonehome’serviceifthereisanemergency.•Atranslationandinterpretationserviceifyou needit.Pleasenotethereisnochargefortheprovisionoftheadvice,guidanceandotheremergencyserviceswhiletravellingshownabove.However,ifyouwishustoobtaingoodsorservicesonyour behalfthatarenotcoveredbyaclaimunderthispolicy,youwillneedtopayanyfeestheproviderchargesandyouwillneedtoadheretotheprovider’stermsandconditions.
Trip LimitYouarecoveredforanytrip beginning and ending intheUKthatlastnomorethan31days;pleasemakesurethatthistripdurationisadequateforyourneedsbeforeyoutravel.Thereisnocoveratallforanytripthatislongerthan31daysandwewillnotinsureanypartofatripthatislongerthan31days.IfyourequirecoverforanextendeddurationpleasecalltheUpgradehelplinenumbershownatthefrontofthisbooklet,beforeyoubookyour holiday,toaskwhetherornotwecanextendthetriplimitunderthispolicy.
Use of languageUnlessotherwiseagreed,thecontractualtermsandconditionsandotherinformationrelatingtothiscontractwillbeinEnglish.
Your Cancellation RightsThisHSBCTravelInsurancepolicywillremaininforceaslongastheaccount holderhasanactivequalifying bank account.Youhaveastatutory14dayperiodinwhichtocancel your qualifying bank account.Thisperiodbeginsonthedateyouopenedthequalifying bank accountorwhenyou receive yourpolicybooklet,whicheverislater.TocancelthisTravelInsurancecoverthequalifying bank account mustbecancelled.Ifthequalifying bank account isnotcancelled,theTravelInsurancewillremainactiveuntilanautomaticterminationeventshownonpage18ofthisbookletoccurs,orthepolicyiscancelled
inaccordancewiththerightssetoutinGeneralConditionsofthisbooklet.Note:Ifajointaccount holderisnoteligiblefortheTravelInsurancetherewillbenorefundorreductioninthequalifying bank accountfee.
Medical Declaration Please read this very carefully as it may affect your cover:1. YoumustcontacttheMedicalAssessmenthelplinenumbershownatthefrontofthisbookletifatthedateyouopenedyour qualifying bank accountorwhenbookingatrip(whicheverislater),you:a. havereceivedadvice,medicationortreatmentforanyserious,chronicorrecurringillness,injuryordiseaseinthelast12monthsb.areunderinvestigationorawaitingresultsforanydiagnosedorundiagnosedmedicalconditionc.areonawaitinglistfor,orareawareoftheneedfor,in-patienttreatmentforanydiagnosedorundiagnosedmedicalconditiond.havereceivedaterminalprognosise.aretravellingagainsttheadviceofadoctor or wouldbetravellingagainstmedicaladviceifyou hadsoughtsuchadvicef. knowofanyclose relative,close business associate,travelling companionorpersonyou plantostaywith,(anduponwhosegoodhealthyour tripdepends)whohasaserious,chronicorrecurringillness,injuryordiseasewhichcouldaffectyourdecisiontotakeorcontinueyour trip.2. If,betweenbookingatripandthedeparturedate,youarereferredtoaConsultant/Specialistoradmittedtoahospital,yourpolicywillcoveryou forcancellationofyour trip.HoweverifyoustillwishtotravelyoumustcalltheMedicalAssessmenthelplinenumbershownatthefrontofthisbookletimmediatelyand wewilladviseyouifyouwillbecoveredforEmergencyMedicalandAssociatedExpensesorabandonmentclaimsrelatingtothiscondition.3. If,betweenbookingatripandthedeparturedate,anyoneuponwhosegoodhealthyour tripdepends,suchasaclose relative or your travelling companion,isreferredtoaConsultant/Specialistoradmittedtoahospital,yourpolicywillcover youforcancellationofyour trip.HoweverifyoustillwishtotravelyoumustcalltheMedicalAssessmenthelplinenumbershownatthefrontofthisbookletimmediatelyand wewilladviseyouifyouwillbecoveredforabandonmentclaimsrelatingtothiscondition.4. Ifyouoranyoneuponwhosegoodhealthyour tripdepends,isreferredtoaConsultant/Specialistoradmittedtoahospital,afteryouhavebooked
21
your tripbutpriortopayinganyfinalbalancedueforyour trip,youmustcalltheMedicalAssessmenthelplinenumbershownatthefrontofthisbookletimmediately.Wewilladviseyouifyou willbecoveredforclaimsrelatingtothiscondition.Ifyoudonotdothisitwillaffectyourclaimifyou havetocancelyour tripbeforethedeparturedate.AmedicalendorsementletterwillbeissuedbytheMedicalAssessmenthelplineconfirmingwhetheror not yourHSBCTravelInsurancepolicyhasbeenextendedtocoverthemedicalcondition(s)youhavedeclared.AllcallstotheMedicalAssessmenthelplinearetreatedinthestrictestconfidence.
Leisure activities, activity based holidays and winter sports activitiesWhat is not coveredThereisnocoveratallforanyinjuryordeathif,duringyour trip,youtakepartinanyleisureactivity,activitybasedholidayorwintersportsactivity: a.thatisNOTshownbelowb.eitherasaprofessionalorwhereyou receive anyfinancialrewardorgain
c.forthepurposeofpractisingforortakingpartin:i. anyspeedortimetrialorraceofanykindii.anyorganisedteamcompetitionortournamentd.ifyousufferfromamedicalconditionwhichwouldnormallyprohibityoufromparticipatinginthatactivitye.whereyouhavefailedtofollowallsafetyguidelinesandusethenecessarysafetyequipment.2.ThereisnocoverundertheCancellationChargesorAbandonmentsectionsfor:a.anycourseortuitionfees,projectcosts,sponsorshipfeesorsimilar(otherthanyourpre-paidskipackintheeventofawintersportstrip)b.cancellationofapre-paidleisureactivityoranyactivitybasedholidaybytheorganiserofthatactivity.
Leisure activitiesThere is no cover where the main purpose of your trip is to take part in a leisure activity (unless shown as an Activity Based Holiday below).Youwillbecoveredwhilsttakingpartinthefollowingleisureactivities,subjecttoanylimitationshowninthetable.
Leisure Activity Limitations (applicable where shown)
No cover under Personal Accident section
No cover under Personal Liability section
Must be organised through a licensed operator
Other
Abseiling Mustbeundersupervisionofaqualifiedinstructor
Aerobics
Archery Mustbeundersupervisionofaqualifiedinstructor
Artificial Wall Climbing
Badminton
Banana boating/Ringos
X
Baseball
Basketball
Body boarding X
Bowls/Petanque
Bridge walking Mustbeaccompaniedbyaqualifiedguide
22
Leisure Activity Limitations (applicable where shown)
No cover under Personal Accident section
No cover under Personal Liability section
Must be organised through a licensed operator
Other
Bungee jumping Mustbeundersupervisionofaqualifiedinstructor
Camel or Elephant rides
Canoeing MaximumGrade3
Canopy/Treetop walking
X X
Cave/River Tubing
Mustbeaccompaniedbyaqualifiedguide
Clay-pigeon or small bore shooting
X Mustbeundersupervisionofaqualifiedinstructor
Coasteering Mustbeaccompaniedbyaqualifiedinstructor/guide
Cricket
Croquet
Curling
Cycling NoBMXorracing
Dodgeball
Dinghy sailing X Noracingandwithina5milelimitofthecoastlineoroninlandwaters
Fell walking/running
Fencing
Fishing NocoverforequipmentunderBaggagesection
Football
Geocaching Maximum3,000metresaltitude
Gliding X X X Passengeronly
Go karting X
Golf NocoverforequipmentunderBaggagesection
Handball
Hiking, hill walking, rambling and trekking upto 3,000 metres
23
Leisure Activity Limitations (applicable where shown)
No cover under Personal Accident section
No cover under Personal Liability section
Must be organised through a licensed operator
Other
Horse riding/hacking
Nohunting,jumpingorpolo
Hot air ballooning
X Passengeronly
Ice skating Nohockeyorspeedskating
Jet boating X Passengeronly
Jet skiing X X
Jogging/running Nomarathonsorcompetitiverunning
Kayaking MaximumGrade3
Microlighting X X X Passengeronly
Motorcycling Upto125cc
X (Seeimportantinformationonpage19)
Mountain biking Downhillgrades1and2only,nofreeriding,four-cross,dirtjumpingortrials
Netball
Paintball
Parascending X Overwateronly
Pony trekking
Racquetball
Rafting – White and Black water
X MaximumGrade3
Roller blading or skating
Rounders
Rowing Inlandwatersonly
Safari Supervisedwalkingandvehicleonly
Sail boarding X
Sand boarding/skiing
X
24
Leisure Activity Limitations (applicable where shown)
No cover under Personal Accident section
No cover under Personal Liability section
Must be organised through a licensed operator
Other
Scuba diving to a depth of 15 metres
X X X 1.NocoverforequipmentunderBaggagesection2.Maximum5divespertrip3.Mustbeaccompaniedbyqualifiedscubadivinginstructorordivemasteratalltimes4.Noprofessional,commercialortechnicaldiving,including,butnotlimitedtoenrichedairdiving,tutordiving,icediving,freediving,wreck,caveorcaverndivingorsolodiving5.Noairtravelwithin24hoursofcompletingadive
Sea kayaking Mustbeaccompaniedbyaqualifiedguide
Shark cage diving
X
Sightseeing flights/helicopter rides
X Passengeronly
Skateboarding
Snorkelling
Softball
Squash
Surfing and flowriding
X
Swimming
Swimming with Dolphins
X
Table Tennis
Tandem sky diving
X X X
Ten pin bowling
Tennis
Trampolining
Tug of war
Volleyball
Wake boarding X
25
Leisure Activity Limitations (applicable where shown)
No cover under Personal Accident section
No cover under Personal Liability section
Must be organised through a licensed operator
Other
Water polo
Water skiing X
Wind surfing X
Yachting X Noracingandwithina12milelimitofthecoastlineorinlandwaters
Yoga
Zip lining X
Zorbing/Sphering
X
Activity based holidaysTheseactivitybasedholidaysareautomaticallycoveredbyyourpolicy,subjecttoanylimitationshowninthetablebelowIMPORTANT NOTE: See what is not covered on page 21.
Activity based holiday
Limitations (applicable where shown)
No cover under Personal Liability section
Must be organised through a licensed operator/tour operator only
Other
CharityorConservationWork
X 1.Voluntaryworkonly2.Onbehalfofandorganisedthrougharegisteredcharityorconservationorganisation3.Tripnolongerthan21days4.Manualworkinvolvinghandtoolsonly5.Noworkatheightsabove3metres
CycleTouring NocoverforequipmentunderBaggagesection
Fishing NocoverforequipmentunderBaggagesection
FlotillaSailing X X Undersupervisionofqualifiedleadskipper
Golf NocoverforequipmentunderBaggagesection
HikingandTrekkingupto5,000metresaltitude
X AccompaniedbyqualifiedguidesNocoveratallforanytrekwithanascenttoover5,000metres
Narrowboat/Canalcruising
X Inlandwatersonly
Safari Supervisedwalkingandvehicleonly
Tennis
Yoga
26
Winter sports activities Youarecoveredforthefollowingwintersportsactivitiesforamaximumof21daysinanycalendaryear.IMPORTANT NOTE: See what is not covered on page 21.
Winter Sports Activity Limitations
CrossCountrySkiing Recognisedpathsonly
Dogsledding
Dryslopeskiing
GlacierWalking Accompaniedbyaqualifiedguideatalltimes
Indoorskiing/snowboarding
Off-pisteskiing/snowboarding Accompaniedbyaqualifiedguideatalltimesandonlyinareasthattheresortmanagementconsidertobesafe
Skiing/snowboarding Recognisedpistesonly
Sledging
Sleighrides
Snowmobiling NocoverunderthePersonalLiabilitysectionRecognisedpathsonly
Snowshoeing
Your coverWewillinsureyouagainstloss,damage,legalliability,illnessorbodilyinjury,whichmayhappenduringtheperiod of insuranceproviding:1.theaccount holderhasaqualifying bank account2. you are a UK resident3. thetripbeginsafterthedatethequalifying bank accountwasopened4.thejourneyisaroundtrip beginning and ending intheUKthatlastsnomorethan31days5.thejourneyiseither:a. aholidayoutsidetheUK, ChannelIslandsandIsleofMan;orb. office-based business traveloutsidetheUK, ChannelIslandsandIsleofManorc. aholidaywithintheUK, ChannelIslandsandIsleofManwhichincludestwoormoreconsecutivenightspre-booked holiday accommodation.
Section A – Cancellation ChargesWewillcoveryoufor:1.Depositsyouhavepaidforyour trip and cannotgetback2. Yourunusedtravelandaccommodationcosts(includingexcursionsuptoamaximumof£250
foreachinsured person),whichyouhavepaidorlegallyhavetopayandcannotgetback3.Unusedkennel,catteryorprofessionalpetsitterfees,whichyouhavepaidorlegallyhavetopayandcannotgetbackuptoamaximumof£200foreachinsured person:if,afteryouopenedyour qualifying bank accountorbookedyour trip,(whicheverislater),youunavoidablyhavetocancelyour tripforoneofthereasonsbelow:1.Oneofthefollowingpeopleisinjured,fallsill,isquarantinedordies:a. youb. your travelling companionc. anypersonyouweregoingtostaywith.2.Oneofthefollowingpeopleisseriouslyinjured,fallsseriouslyillordies:a. any close relativeofyoursorofyour travelling companionb. any close business associateofyours orofyour travelling companion.3. You or your travelling companion are called forjuryserviceorasawitnessinacourtoflawduringtheperiod of insurance.4. You or your travelling companion are maderedundant.
27
5. Your home or your travelling companion’s homeisbadlydamagedbyfire,stormorfloodinthe7dayspriortothedepartureofyour trip.6.Thepoliceneedtotalktoyou or your travelling companionbecauseyour home or theirhomeorplaceofworkhasbeenburgled.7.OnthedayyouareduetodepartfromtheUK youarepreventedfromtakingyour trip due to:a.airspacebeingclosedformorethan24hoursfromthedateandtimeofyourscheduleddeparture,asshownonyourticket/itineraryb.anairportorportyouarescheduledtotravelfromorthroughbeingclosedformorethan24hoursfromthedateandtimeofyourscheduleddeparture,asshownonyour ticket/itinerary.c. yourflightbeingcancelledasadirectresultofvolcanicashintheatmosphereandnoalternativeflightsareavailabletoyouwithin24hoursofthedateandtimeofyourscheduleddeparture,asshownonyourticket/itinerary.
Special conditions1.Allclaimsresultingfrominjury,illness,quarantineordeathmustbesupportedbymedicalreportsoradeathcertificate(orboth)indicatingthenecessitytocancelyour trip.2.Allclaimsmustbesupportedbydocumentaryevidencethatyouhavebeenunabletoobtainarefundfromyour traveland/oraccommodationprovider.
The most we will payThemostwewillpayforeachinsured person is£5,000.
ExcessWewillnotpaythefirst£50ofeachinsured person’sclaim.However,iftwoormoreinsured personscancelthesametrip,themaximumexcessunderthissectionwillbe£100.Intheeventofaclaimforlossofdepositonly,wewillnotpaythefirst£20ofeachinsured person’sclaim.
What is not covered1.Anyclaimforamedicalconditionifanyofthefollowingappliedwhenthequalifying bank accountwasopenedorthetripwasbooked,(whicheverislater),you:a. hadreceivedadvice,medicationortreatmentforanyserious,chronicorrecurringillness,injuryordiseaseinthelast12monthsunlesstheconditionwasdisclosedtoandacceptedbyusb. wereunderinvestigationorawaitingresultsforanydiagnosedorundiagnosedconditionunlessdisclosedtoandacceptedbyus
c. wereonawaitinglistforin-patienttreatmentorwereawareoftheneedforin-patienttreatmentforanydiagnosedorundiagnosedconditionunlessdisclosedtoandacceptedbyusd. hadbeentoldyouhaveaterminalillness.2.Anyclaimforamedicalconditionifanypersonuponwhosegoodhealthyour tripdependshadaserious,chronicorrecurringillness,injuryordiseasewhichyouwereawareofwhenthequalifying bank accountwasopenedorthetrip wasbooked,(whicheverislater).3. Anyclaimforamedicalconditionyouwereplanningtogetmedicaltreatmentforduring your trip.4.Anyclaimmadebecauseyoudon’tfeelliketravelling.5.Anyclaimforredundancycausedbymisconduct,resignationorvoluntaryredundancy,orifyou or your travelling companionknewoftheredundancywhenthequalifying bank accountwasopenedorthetripwasbooked,(whicheverislater)orwhereyoucannotprovidewrittenevidencethatthereasonyouleftyourjobwasduetoredundancy.6.Anyclaimwhereyouknew,atthetimethequalifying bank accountwasopenedorthetrip wasbooked(whicheverislater),that:a. youwouldbeunabletotravelorb.whereithadbeenpubliclyannouncedand/orreportedbythemediathattheoccurrenceofananticipatedeventcouldresultin:i.theclosureofairspaceoranairportorportthatyouarescheduledtotravelfromorthrough,orii.thecancellationofyourflight.7. Anyclaimwheretheairport,portorairspaceisnotclosedforatleast24hoursfromthetimeshownonyourtravelticket/itinerary.8.AnythingmentionedintheGeneralExclusions.
Section B – Emergency Medical and Associated ExpensesIfyouareinjured,fallill,arequarantinedordieduring your trip,wewillpayforthefollowing:1. Emergency Treatmenta. Emergencymedicaltreatment(includingrescueservicestotakeyoutohospital)outsidetheUK,JerseyandIsleofManb. Upto£350fordentaltreatmentforemergencypainreliefoutsideoftheUK,JerseyandIsleofMan.2. Associated Expensesa. Anyreasonableextrachargesforhalfboardaccommodation(ofasimilarstandardtotheaccommodation youhadbookedforyour trip)ifitismedicallynecessaryforyoutostayafterthe
28
date youweregoingtoreturnhome.Wewillalsopaytravelcosts,whichyouhavetopaytogetbackto your homeifyoucannotuseyourreturnticketb. Upto£5,000forthecostofburyingorcremating youinthecountryoutsidetheUK,JerseyandIsleofManwhereyou diec. Upto£7,500forthecostofreturningyour body orashestoyour homed. Thecostofgettingyou home,ifitismedicallynecessarybecauseyouareseriouslyinjuredorfallseriouslyillduringyour trip and youcannotuseyourreturnticket.IfourMedicalEmergencyAssistanceproviderandthetreatingdoctoragreethatitisnecessary,wewillalsopayforreasonabletravelandaccommodationcosts,underitems2aand2d,foronerelativeorfriendwhohastostaywithyouortraveltobewithyou.3. Hospital Benefit£25foreachfull24hoursthatyouareinhospital,outsidetheUK,JerseyandIsleofManreceivingin-patienttreatmentfollowingyourinjuryorillnessduring your trip.4. Holiday DisruptionIfyouareclaimingformedicalexpensesthatarecoveredunderitem1above,wewillalsopayyou abenefitof£25foreachfull24hourperiodtocompensateyouforthedisruptiontoyour tripif:a. youareinhospitalreceivingin-patienttreatmentformorethan48consecutivehours;orb. youareconfinedtoyour accommodation on theadviceofthetreatingdoctorformorethan48consecutivehours.
Special conditions1. YoumustphonetheMedicalEmergencyAssistancehelplineimmediatelyifyou:a. needtogointohospitalasanin-patient.Ifthisisnotpossiblebecausetheconditionisserious,you mustcontactthehelplineassoonaspossibleafteryougointohospitalb. aretoldbythetreatingdoctorthatyou are goingtorequiretestsorinvestigationsasan out-patientc. needtoreturntothe UK.2.Ifyouareinjuredorfallillduringyour trip,ourMedicalEmergencyAssistanceprovidermaymove youfromonehospitaltoanotherand/orarrangeforyoutoreturntothe UKatanytime.Theywillonlydothisiftheyandthetreatingdoctorthinkthatitissafeforyou to be moved or returnedtothe UK.Ifyouchoosenottomovehospitalorreturntothe UK ourliabilitywillendonthedateitwasdeemedsafeforyoutodoso.
3.Ifyouareconfinedtoyour accommodation on medicaladvice,wewillpay youdoubletheholidaydisruptionbenefitunderitem4.4.Theholidaydisruptionbenefitwillonlybepayableinrespectoftheinsured personwhoiseitheranin-patientinhospitalorconfinedtotheiraccommodationonmedicaladvice.
The most we will payThemostwewillpay:1.withintheUK,JerseyandIsleofManis£2,000underAssociatedExpenses2.outsideoftheUK,JerseyandIsleofManis£10,000,000underEmergencyTreatmentandAssociatedExpenses3.outsideoftheUK,JerseyandIsleofManis£500underHospitalbenefit4.outsideoftheUK,JerseyandIsleofManis£500underHolidayDisruption
ExcessWewillnotpaythefirst£50ofeachinsured person’s claim.
What is not covered1.Anyclaimforamedicalconditionifanyinsured personhastravelledagainsttheadviceofadoctororwouldbetravellingagainsttheadviceofa doctoriftheyhadsoughtsuchadvice.2.Anyclaimforamedicalconditionifanyofthefollowingappliedwhenthequalifying bank accountwasopenedorthetripwasbooked,(whicheverislater).You: a. hadreceivedadvice,medicationortreatmentforanyserious,chronicorrecurringillness,injuryordiseaseinthelast12monthsunlesstheconditionwasdisclosedtoandacceptedbyus b. wereunderinvestigationorawaitingresultsforanydiagnosedorundiagnosedconditionunlessdisclosedtoandacceptedbyus c.wereonawaitinglistforin-patienttreatmentorwereawareoftheneedforin-patienttreatmentforanydiagnosedorundiagnosedconditionunlessdisclosedtoandacceptedbyusd.hadbeentoldyouhaveaterminalillness.3.Anyclaimforamedicalconditionwhereyou are referredtoaConsultant/Specialistoradmittedtoahospitalbetweenbookingyour tripandthedeparturedateunlessdisclosedtoandacceptedbyus.4.Anyclaimforamedicalconditionyouwereplanningtogetmedicaltreatmentforduring your trip.5.Anyclaimfor:a.anytreatmentreceivedinthe UK, JerseyorIsleofMan
29
b.thecostofin-patienthospitaltreatmentorgoing homeearlythatourMedicalEmergencyAssistanceproviderhasnotagreedbeforehandc.thecostofanynon-emergencytreatmentorsurgeryincludingexploratorytestswhicharenotdirectlyrelatedtotheillnessorinjurythatyou originallywenttohospitalford.anyformoftreatmentthatyour treating doctor and ourMedicalEmergencyAssistanceproviderthinkcanreasonablywaituntilyou return homee.cosmeticsurgery,unlessconsiderednecessaryasamedicalemergencyandagreedwithour MedicalEmergencyAssistanceproviderf.medicationwhich,atthetimeyour tripstarted,youknewthatyouwouldneedwhileyouwereawayg.anyextracostsbecauseyouhaverequestedasingleorprivateroomh.treatmentorservicesprovidedbyahealthspa,convalescentornursinghomeoranyrehabilitationcentrei.anytreatmentafteryouhavereturnedhome.6.Costsincurredfollowingyourdecisionnottomovehospitalorreturntothe UKafterthedatewhen,intheopinionofourMedicalEmergencyAssistanceproviderandthetreatingdoctor,itwassafeforyoutodoso.7.AnyclaimforHolidayDisruption;a. wheretheperiodinhospitalorconfinedtoaccommodationislessthan48consecutivehoursb. foranyinsured personnotbeingtreatedasanin-patientorconfinedtoyour accommodation on medical advicec. forpersonsnotinsuredbythispolicyd. wherethereisnovalidclaimforemergencytreatmente.wherethepurposeofthetripwasoffice-based business travel.8.Anyclaimthatresultsfrom your jobunlessthepurposeofthetripwasoffice-based business travel.9.AnythingmentionedintheGeneralExclusions.
Section C – AbandonmentWewillcoveryoufor:1. Yourunusedaccommodationcoststhatyou havepaidforbeforestartingyour trip,orlegallyhavetopay,andcannotgetback(includingexcursionsuptoamaximumof£250foreachinsured person)2.Reasonableadditionaltravelcoststoallowyou to return homeearlyifyoucannotuseyour returnticket
3.Reasonableadditionalaccommodationcoststoallowyou to return home early 4.Unusedkennel,catteryorprofessionalpetsitterfeesthatyouhavepaidorlegallyhavetopay,andcannotgetback,uptoamaximumof£200foreachinsured person: ifyouunavoidablyhavetoabandon your trip becauseanyofthefollowinghappenwhilstyou areaway:1.Oneofthefollowingpeopleisseriouslyinjured,fallsseriouslyill,isquarantinedordies:a. youb. your travelling companionc.thepersonyouwerestayingwith.2.Oneofthefollowingpeopleisseriouslyinjured,fallsseriouslyillordies:a. any close relativeofyoursorofyour travelling companionb. any close business associateofyours or ofyour travelling companion.3. Your home or your travelling companion’s homeisbadlydamagedbyfire,stormorflood.4.Thepoliceneedtotalktoyou or your travelling companionbecauseyour home or theirhomeorplaceofworkhasbeenburgled.
Special conditions1.Ifyou need to return home and intend to makeaclaimunderthissection,youmustphonetheMedicalEmergencyAssistancehelplineimmediately.2.Allclaimsresultingfrominjury,illness,quarantineordeathmustbesupportedbymedicalreportsoradeathcertificate(orboth)indicatingthenecessitytoabandon your trip.3.Ifyoucannotuseyourreturnticketandwepayadditionaltravelcoststoallowyou to abandon your trip,yourunusedtravelticketwillthenbelong to us.
The most we will payThemostwewillpayforeachinsured person is£5,000.
ExcessWewillnotpaythefirst£50ofeachinsured person’sclaim.However,iftwoormoreinsured persons abandonthesametrip,themaximumexcessunderthissectionwillbe£100.
What is not covered1.Anyclaimforamedicalconditionifanyinsured personhastravelledagainsttheadviceofadoctororwouldbetravellingagainsttheadvice ofadoctoriftheyhadsoughtsuchadvice.
30
2.Anyclaimforamedicalconditionifanyofthefollowingappliedwhenthequalifying bank accountwasopenedorthetripwasbooked(whicheverislater).You:a.hadreceivedadvice,medicationortreatment foranyserious,chronicorrecurringillness,injuryordiseaseinthelast12monthsunlesstheconditionwasdisclosedtoandacceptedbyusb.wereunderinvestigationorawaitingresultsforanydiagnosedorundiagnosedconditionunlessdisclosedtoandacceptedbyusc.wereonawaitinglistforin-patienttreatmentorwereawareoftheneedforin-patienttreatmentforanydiagnosedorundiagnosedconditionunlessdisclosedtoandacceptedbyusd.hadbeentoldyouhaveaterminalillness.3.Anyclaimforamedicalconditionifanypersonuponwhosegoodhealthyour tripdependshadaserious,chronicorrecurringillness,injuryordiseasewhichyouwereawareofwhenthequalifying bank accountwasopenedorthetripwasbooked,(whicheverislater),unlesstheconditionwasdisclosedtoandacceptedbyus.4.Anyclaimforamedicalconditionwhereyou oranypersonuponwhosegoodhealthyour tripdependshavebeenreferredtoaConsultant/Specialistoradmittedtoahospitalbetweenbookingyour tripandthedeparturedateunlessdisclosedtoandacceptedbyus.5.Anyclaimforamedicalconditionyouwereplanningtogetmedicaltreatmentforduring your trip.6.Anyclaimmadebecauseyoudidnotenjoyyour trip.7.Anyclaimwhichwasnotauthorisedbyour MedicalEmergencyAssistanceproviderbeforeyou returned home.8.Anyclaimthatresultsfromyour jobunlessthepurposeofthetripwasoffice-based business travel.9.Anyclaimforadditionaltravellingcostsifpriorto yourdeparturefromtheUK youhavenotpurchasedareturnticketbacktotheUK.10.AnythingmentionedintheGeneralExclusions.
Section D – Personal Accident Wewillcoveryouifyousufferanaccidentalinjuryduring your tripthatleadssolely,directlyandindependentlyofanyothercausetoyour: 1.death;or2. loss of one or more limbs and/orthetotal loss of sight inoneorbotheyes;or3. permanent total disablement after104weeksfromthedateyouincurredtheinjury(exceptwherecompensationispaidunderitem2above).
Special conditions1.Thedeathordisabilitymusthappenwithinoneyearoftheaccident.2. Youcanonlyclaimforoneitemunderthissection.3.Thebenefitwillbepaidtoyou or your legal representative.The most we will payThemostwewillpayforeachinsured personis£50,000otherthanthedeathbenefitforinsured personsunder16yearsofagewherethemaximumwewillpayis£1,000.What is not covered1.Anyclaimforsickness,disease,nervousshockor naturally occurring condition or degenerative process.2.Anyclaimthatresultsfromyourjobunlessthepurposeofthetripwasoffice-based business travel.3. Youtakingpartinaleisureactivity,activitybasedholidayorwintersportsactivitywherePersonalAccidentisspecificallyexcludedintheLeisureactivities,activitybasedholidaysandwintersportssection.4.AnythingmentionedintheGeneralExclusions.
Section E – Personal Liability 1. Wewillcoveryouforanymoneythatyou legallyhavetopaythatrelatestoanaccidentduring your tripwhichcauses:a.deathorphysicalinjurytoanyperson;and/orb.lossordamagetoproperty;and/orc.lossordamagetotemporaryholidayaccommodationwhichisnotownedbyyou.2. Wewillalsopayanyreasonableandnecessarylegalcostsandexpensesincurredbyyou in relationtotheaccident.Youmustobtainour consentbeforeincurringanycostorexpense.The most we will payThemostwewillpayforallclaimsarisingfromanyoneeventis£2,000,000.ExcessA£100excessappliestoallclaimsarisingfromyouroccupationoftemporaryholidayaccommodation.What is not covered 1.Anyfinesorexemplarydamages(punishing,oraimedatpunishing,thepersonresponsibleratherthanawardingcompensation)youhavetopay.2.Liabilityarisingfrom:a.deathorinjuryofmembersofyourhouseholdorpeoplewhoworkforyou;
31
b.lossofordamagetopropertywhichbelongstoorisunder:i. your controlii.thecontrolofamemberofyourhouseholdiii.thecontrolofpeoplewhoworkforyou c. yourjobd. youowningoroccupyinganylandorbuilding,unlessyouareoccupyinganytemporary holidayaccommodation,whichisnotownedbyyou in whichcaseyouwillberesponsiblefortheexcess asshownabovee. youowningorusing:i.animals(exceptdomesticanimals)ii.firearms(exceptsportinggunsusedforclaypigeonorsmallboreshooting)iii.motorisedvehiclesiv.vessels(exceptmanually–propelledwatercraft);orv.aircraftofanydescription,includingunpoweredflightf. youtakingpartinanyleisureactivity,activitybasedholidayorwintersportsactivitywherePersonalLiabilityisspecificallyexcludedintheLeisureactivities,activitybasedholidaysandwintersportssection3.AnythingmentionedintheGeneralExclusions.
Section F – Delayed DepartureThis section does not apply for trips taken solely within the UK, Channel Islands and Isle of Man.Cover only applies for your outward international journey from the UK and for your final international return journey to the UK. 1.Ifthescheduleddepartureoftheship,aircraftortrainonwhichyouarebookedtotravelisdelayedatthepoint of international departure,wewillpayyou£25foreveryfull12hourperiodtheship,aircraftortrainisdelayed.OR 2.Ifthescheduleddepartureoftheship,aircraft ortrainonwhichyouarebookedtotravelisdelayedatthepoint of international departure formorethan24hoursonyouroutwardjourneyfromtheUK,andyouchoosetoabandon your trip,wewillcoveryouforyourunusedtravelandaccommodationcostswhichyouhavepaid orlegallyhavetopaybutcannotgetback(includingexcursionsuptoamaximumof£250foreachinsuredperson).Ifyouchoosetoabandon your trip,wewillalsopayuptoamaximumof£200foreachinsured person forunusedkennel,catteryorprofessionalpetsitterfeeswhichyoucannotgetback.
Special conditionWewillworkoutthelengthofthedelayfromthedateandtimeofyourscheduledinternationaldeparture.Youmusthavecheckedinatthespecifiedtimeandprovidewrittenconfirmationfromthecarrierortheirhandlingagentsoftheactualdateandtimeofdepartureandthereasonforthedelay.
The most we will payThemostwewillpayfor:•adelayeddepartureis£250foreachinsured person or•abandonmentafter24hoursonyouroutwardjourneyfromtheUKis£5,000foreachinsured person.
ExcessWewillnotpaythefirst£50ofeachinsured person’s abandonment claim.However,iftwoormore insured persons abandonthesametrip,themaximumexcessunderthissectionwillbe£100.
What is not covered1. Morethanoneitemunderthissection.2.Anyclaimforonwardand/orconnectingtravel.3.Anyclaimifyour tripissolelywithintheUK, Channel Islands and Isle of Man.4.Anyclaimiftheinternationalship,aircraftortrainonwhichyouarebookedtotraveliscancelledbythecarrier.5.Anyclaimifadelayoftheship,aircraftortrainonwhichyouarebookedtotraveldoesnothappenatyour point of international departure.6.Anyclaimcausedbyastrikeorindustrialactionwhichwaspublicknowledgewhenthequalifying bank accountwasopenedorthetripwasbooked,(whicheverislater).7.Anyclaimwhereapossiblereasonfordelaywaspublicknowledgewhenthequalifying bank account wasopenedorthetripwasbooked,(whicheverislater).8.AnythingmentionedintheGeneralExclusions.
Section G – Enforced Stay AbroadThis section does not apply for holidays within the UK or where you do not have a return date scheduled at the time the airspace, or an airport or port is closed.Ifyou are unable to return home on your scheduledreturndatedueto:a.theairspacebeingclosedb.anairportorportthatyouarescheduledtotravelfromorthroughbeingclosed;
32
c. yourflightbeingcancelledasadirectresultofvolcanicashintheatmosphere,wewillpayyou: 1.£100perinsured personforeveryfull24hourperiodyou are unable to return home or2.upto£1000perinsured personinrespectofnecessaryandreasonableadditionaltravelandaccommodationexpenseswhere,afteraperiodof24hoursormore,youunavoidablyhavetomakeimmediatealternativearrangementstoreturnhome.Wewillalsopayforemergencymedicalsuppliesthatyourequiretopreventadeteriorationorexacerbationofanexistingmedicalcondition.
Special Conditions1.Whereyouclaimunderitem1above,a. wewillworkoutthelengthofyour enforcedstayabroadfromthedateandtime ofyourscheduleddeparture,asshownon yourticket/itineraryb. youmustobtainwrittenconfirmationfromyour carrierorhandlingagentsoftheactualdateandtimeof yourreturntotheUK.2.Paymentunderitem2willonlybeconsideredwhereyourcarrierorhandlingagentshavenotbeenabletoofferyousuitablealternativeaccommodationand/ortravelarrangements.Allclaimsmustbesupportedbydocumentaryevidenceofthecostsyouhaveincurred.
The most we will payThemostwewillpayforeach insured personis:• £1,500underitem1above• £1,000underitem2above.
What is not covered 1.Morethanoneitemunderthissection.2.Anyclaimunderitem2whereyoufailtoprovidedocumentaryevidenceofthecostsincurred.3.Anyclaimfortravelandaccommodationexpensesif:a. youhavenotpurchasedyourreturntickettotheUKbeforeyoudepartonyour trip,orb. youaretravellingonanopen-endedticketandhavenotscheduledareturndatetotheUKwiththeairline.4.AnythingmentionedintheGeneralExclusions.
Section H – Missed International Departure This section does not apply for trips taken within the UK, Channel Islands and Isle of Man.If,asadirectresultof:1.scheduledbus,coachorrailservices notrunningtotheirpublishedtimetableor2.delaytoaconnectingscheduledflightor3.accidentaldamageto,orbreakdownof, thevehicleinwhichyou are travellingyou arrive at your point of international departuretoolatetoboardtheship,aircraftortrainonwhichyouarebookedtotravel,wewillpayextraaccommodationandtravelcostsyou havetopaytoreach:a. your tripdestinationonyouroutwardjourneyb. your home on yourreturnjourney.
Special conditions1.Ifyouhavemissedorwillmissyourship,aircraftortrainatthepoint of international departureduetooneofthereasonslistedabove,youmustcontacttheTravelAssistanthelplinenumbershownatthefrontofthisbookletandwe willcontactthecarrierforyou tocheck(ifalatearrivalispossible)orwillmakealternativetravelarrangementsforyou.Anycostincurredmay havetobepaidbyyouandsubmittedasaclaim.2. Youmustgetareportfromtherepairerorbreakdownassistanceproviderifyou are claiming becausethevehicleyouweretravellinginhadanaccidentorbrokedown.
The most we will payThemostwewillpayforeachinsured person is£1,000.
What is not covered1.Anyclaimcausedbyastrikeorindustrialactionwhichwaspublicknowledgewhenthequalifying bank accountwasopenedorthetripwasbooked,(whicheverislater).2.Anyclaimwhereapossiblereasonfordelaywaspublicknowledgewhenthequalifying bank accountwasopenedorthetripwasbooked,(whicheverislater).3.Anyclaimwhereyouhavenotdoneeverythingyoucantogettothepoint of international departureforthetimespecifiedonyourticket/itinerary.4.Anyclaimwherethecarrierhasofferedreasonablealternativetransport.5.AnythingmentionedintheGeneralExclusions.
33
Section I – Legal Expenses and Advice LegalExpensesisunderwrittenbyAvivaInsuranceLimited.ClaimshandlingisundertakenbyArcLegalAssistanceLimitedorsuchothercompanyaswenotifyyouoffromtimetotime.
Legal Expenses cover Wewillnegotiateonyourbehalfforyour legal rightstobringlegal proceedingstopursueacivilclaimresultingfromanincident,includingmedical treatment,forwhichyouarenotatfaultwhichcausesyourdeathorpersonalinjuryduringyour tripprovidingthat:a.theinsuredincidentoccurswithintheterritorial limitsandduringtheperiod of insuranceb. prospects of successexistforthedurationoftheclaimc.inrespectofanyappealordefenceofanappeal,ithasbeenreportedtousatleast10workingdayspriortothedeadlineforanyappeald.themaximumamountwewillpayforcosts and expensesforanyoneinsured person in respectofanyorallclaimsarisingfromonecauseis£50,000e. an insured personreportsaninsuredincidentto usassoonaspossibleandinanyeventnolaterthan180daysafterthedatetheinsured person kneworshouldhaveknownabouttheinsuredincident.
Personal Legal Advice Wewillgiveyouconfidentialadviceoverthetelephoneonanypersonallegalproblemthat mayleadtoaclaimunderthissectionofthepolicy.Wewilltellyouwhatyourlegalrightsare,whatcourseofactionisavailabletoyouandwhetherthesecanbebestimplementedbyyouorwhetheryouneedtoconsultwithalawyer.Therearenoconsultationfeesandlinesareopen24hoursaday,365daysayear.ForconfidentiallegaladvicecalltheLegalExpensesClaimsandAdvicehelplineonthenumbershownatthefrontofthisbooklet.
Making a ClaimTomakealegalexpensesclaimcalltheLegalExpensesClaimsandAdvicehelplineonthenumbershownatthefrontofthisbooklet.Assoonasyouareawareofanevent,you shouldgetlegaladvicefromthehelplinewithoutdelay.PleasetellthemyouareinsuredundertheHSBCTravelInsurancepolicywhenyoucall.
Definitions Thedefinitionsatthebeginningofthisbookletapplywhereappropriate(refertopages14and15).Thefollowingdefinitionsonlyapplytothissectionofthepolicy.Appointed Representative Thelawyerorothersuitablyqualifiedpersonappointedbyus to act on yourbehalf.Costs and Expenses1.Allreasonableandnecessarylegalcostschargedbytheappointed representative and agreed by us.2.Legalcostswhichyouhavebeenorderedtopaybyacourtorotherbodywhichwehaveagreedtoorauthorised.EventThefirstincidentwhich,inourreasonable opinion,couldleadtoaclaimbeingmade underthissectionofthepolicy.Legal Proceedings Thepursuitofaclaimfordamages.Medical Treatment Theconsultationand/ortreatmentofanillness orbodilyinjuryconductedbyaregisteredmedicalordentalpractitionerwhoisorhasbeenresponsibleforyourclinicalcare.Prospect of Success Inrespectofallclaimsitisalwaysmorelikelythannotthatyouwill:1.recoverdamagesorobtainanyotherlegalremedywhichwehaveagreedto2.makeasuccessfuldefence3.makeasuccessfulappealordefenceofanappeal.Prospectsofsuccesswillbeassessedbyus or an appointed representative on ourbehalf.
Territorial Limits WorldwideSpecial conditionsThefollowingconditionsapplytothissection.AlsorefertotheGeneralConditionssection.1. Youmusttakeallreasonablestepstopreventanythinghappeningthatmayresultinaclaim.2. Claims – your dutyAn insured personmustreportaninsuredincident to usassoonaspossibleandinanyeventnolaterthan180daysafterthedatetheinsured personkneworshouldhaveknownabouttheinsuredincident.
34
3. Claims – legal representationa.Onacceptanceofaclaim,ifappropriate, wewillappointanappointed representative.b.Ifitisnecessarytostartcourtproceedingsorthereisaconflictofinterest,youarefreeto nominate an appointed representative by sendingtousthenameandaddressofthesuitablyqualifiedperson.c.Ifwe do not agree to yourchoiceofappointed representativeundercondition3babove,you maychooseanothersuitablyqualifiedperson.d.Ifthereisstilladisagreementwithregardtotheappointed representative,wewillaskthepresidentofarelevantnationallawsocietytochooseasuitablyqualifiedpersontorepresentyou.We and youmustacceptsuchchoice.e.Inallothercircumstanceswewillbefree tochooseanappointed representative.f. An appointed representativewillbeappointedby usandrepresentyou according to our standardtermsofappointment.4. Claims – Our rights and your obligationsa. Wewillhavedirectaccesstotheappointed representativewhowill,uponrequest,provide uswithanyinformationoropiniononyourclaim.b. Youmustco-operatefullywithusandtheappointed representativeandmustkeepus up-to-datewiththeprogressoftheclaim.c. At ourrequestyoumustgivetheappointed representativeanyinstructionsthatwerequire.d. Youmustnotifyusimmediatelyifanyoneofferstosettleaclaimormakesapaymentintocourt.e.Ifyoudonotaccepttherecommendationoftheappointed representativetoacceptareasonableofferorpaymentintocourttosettleaclaim,we mayrefusetopayfurthercosts and expenses.f.Noagreementtosettleonthebasisofbothpartiespayingtheirowncostsistobemadewithoutourpriorapproval.5. Discontinuance of a claimIfyou:a.settleaclaimorwithdrawaclaimwithoutour prioragreement;b.donotgivesuitableinstructionstotheappointed representative;c.dismissanappointed representativewithoutourpriorconsent,ourconsentnottobewithheldwithoutgoodreason;thecoverweprovidewillendimmediatelyandwewillbeentitledtore-claimanycosts and expenses wehaveincurredfromyou.6. Recoveries Youmusttakeeveryavailablesteptorecover
costs and expenses thatwehavetopayandmustpayus any costs and expenses thatarerecovered.7. DisputesIfanydifferencearisesbetweenus and you inrespectoftheacceptance,refusal,controlorhandlingofanyclaimunderthissection,you cantakethestepsoutlinedinourcomplaintsprocedurestatedunder‘OurPromiseofService’.8. Arbitration Youhavetherighttoreferanydifferencethatarisesbetweenus and youinrespectoftheacceptance,refusal,controlorhandlingofanyclaimunderthissectiontoarbitration,whichwillbedecidedbycounselchosenjointlybyus and you.Ifthereisadisagreementwithregardtothechoiceofcounsel,wewillaskthepresidentofarelevantnationallawsocietytochooseasuitablyqualifiedperson.Thearbitrator’sdecisionshallbefinalandbindingonbothparties.Allcostsforresolvingthedifferencewillbemetbythepartywhomthedecisionismadeagainst.
The most we will pay Themostwewillpayforeachinsured person in respectofanyorallclaimsarisingfromonecauseis£50,000.
What is not covered 1.Ifyoudonotkeeptotheterms,conditionsandexclusionsofthissection.2.Adisputebetweenyou and us or any member oftheAvivagroupofcompanies.3.Anyclaimwhereyouaremorespecificallyinsuredoranyamountyoucannotrecoverfromamorespecificinsurancebecausetheinsurerofthatinsurancerefusestheclaim.4. Any claim relating to youdrivingamotorvehiclewithoutavalidlicenceand/orinsurance.5.Anyillness,deathorbodilyinjurywhichdevelopsgraduallyorisnotcausedbyaspecificsuddenevent.6.AnyclaimfromDeepVeinThrombosis(DVT)oritssymptomsthatresultfromtravellingbyair.7.Anyclaiminrespectoflibelorslander.8. Costs and Expenses incurredpriortoour writtenacceptanceofaclaim.9. Wewillnotpayforcosts and expenses whichhavebeenincurredbytheappointed representativeonacontingencyfeebasis.10. Any legal action an insured persontakeswhichwehavenotagreedtoorwhereyou doanythingtohinderusortheappointed representative.11.Anyclaimdeliberatelyorintentionallycausedby you.
35
12.Anyfines,penalties,compensationordamageswhichyouareorderedtopaybyacourtorotherauthority.13.Anapplicationforjudicialreview.14.Anyclaimsrelatingtoanynon-contractingparty’srightstoenforcealloranypartofthissection.TheContracts(RightsofThirdParties)Act1999doesnotapplytothissection.15.Adisputewithusotherthanascateredforinspecialconditions7and8ofthissection16.AnythingmentionedintheGeneralExclusions.
Section J – Hijack Wewillpay£50foreachfull24hoursyou are preventedfromreachingyouroutwarddestinationortheUKonthereturnlegofyour trip,asaresultofthetransportonwhichyou are travelling beinghijacked.
The most we will pay Themostwewillpayforeachinsured person is£1,000.
What is not covered1.Anyclaimwhereyoudonotprovidewrittenconfirmationofthedelayfromtheairlineorcarrier.2.AnythingmentionedintheGeneralExclusions.
Section K – MuggingWewillpay£50foreachfull24hoursthatyou are inhospitalreceivingin-patienttreatmentfollowingamugging.
The most we will pay Themostwewillpayforeachinsured person is£1,000.
What is not covered1.Anyclaimwhereyoudonotreportthemuggingtothepolicewithin24hoursandgetawrittenpolicereport.2.AnythingmentionedintheGeneralExclusions.
Section L – Catastrophe cover This section only operates if you have booked your accommodation independently and directly with the accommodation provider. Wewillcoveryouforadditionalaccommodationand/ortransportcoststoallowyou to continue your tripifyouareforcedtomovefromyourindependentlybookedandprepaidaccommodation,duetooneofthefollowingeventsoccurringduringyour trip.Fire,Storm,Flood,Explosion,Landslide,
Earthquake,Avalanche,Tsunami.
Special conditions1.Extraaccommodationcostsmustbeforasimilarstandardofaccommodationtothatinwhichyouwereoriginallystaying.2. Wewillonlypayyouraccommodationcostsifyouprovidewrittenconfirmationfromtheprovideroftheaccommodationand/orthelocalornationalauthoritiesthatyouwereforcedtoleaveyour independentlybookedandprepaidaccommodationandthereasonforthis.3. Youmustbeabletoprovidereceiptsforanyextraaccommodationortravelcostsincurredifyouareforcedtomovefromyourindependentlybookedandprepaidaccommodation.
The most we will pay Themostwewillpayforeachinsured person is£750.
What is not covered
1.Anytransportcostsincurredinreturningto theUK.2.Anyprepaidaccommodationcoststhatcan beclaimedbackfromahoteloranyotherserviceprovider.3.Anyclaimwherethecatastrophe,asdescribedabove,hadalreadyoccurredwhenthequalifying bank accountwasopenedorthetripwasbooked(whicheverislater).4.Anyclaimwheretheprovideroftheaccommodationand/orthelocalornationalauthoritiesdidnotdeemitnecessaryforyou to leave yourprepaidaccommodation.5.AnythingmentionedintheGeneralExclusions.
Section M – Pet CareIntheeventthatyourcatordogsuffersaninjurywhilstbeingcaredforbyafriend,relative,professionalpetsitter,kennelorcatteryintheUK whilstyou are on your tripandtheinjuryrequiresin-patientveterinarytreatment,wewillpay£25foreachfull24hoursthatyourcatordogreceivesin-patientveterinarytreatment.
The most we will pay Themostwewillpayforeachincidentis£250.
What is not covered1.Anyclaimifyoudonothavewrittenconfirmationfromthevetgivingdetailsoftheinjuryoraccidentandthenumberofdaysthatyourcatordoghasbeenanin-patient.2.AnythingmentionedintheGeneralExclusions.
36
Section N – Temporary or Emergency Passport ExpensesWewillpayreasonableextratravel,accommodationandcommunicationexpensesthatyouhavetopaytogetatemporaryoremergencypassport,andthecostofthetemporaryoremergencypassport,ifyourpassportislostorstolenwhileyouareabroad.ContacttheTravelAssistanthelplinenumbershownatthefrontofthisbookletforadviceonhowtoobtainatemporaryorreplacementpassportabroad.
Special conditionYoumustalwaystakereasonablecaretokeepyour passportsafe.Ifyourpassportislostorstolenyou musttakeallreasonablestepstogetitback.
The most we will pay Themostwewillpayforeachinsured person is£350.
What is not covered1.Anylossortheftofyourpassportifyou do notreportittothepolicewithin24hoursofthediscoveryandgetawrittenpolicereport.2.Thecostofpurchasingareplacementpassport.3.AnythingmentionedintheGeneralExclusions.
Section O – Personal Money Wewillcoveryouforlossortheftofyour personal money during your trip.ContacttheTravelAssistanthelplinenumbershownatthefrontofthisbookletforadviceonhowtoreplacelostorstolenpersonal money.
Special conditions1. Youmustalwaystakereasonablecaretokeepyour personal moneysafe.Ifyour personal moneyislostorstolenyoumusttakeallreasonablestepstogetitback.2. Youmustbeabletoprovethatyouownthelostorstolenpersonal moneyandhowmuchit isworth.Ifyoudonot,itmayaffectyourclaim.
The most we will pay Themostwewillpayforeachinsured personis£500butnomorethan£300forcashorbanknotes.Areducedlimitof£100forcashorbanknotesappliestoinsured personsunder16yearsofage.
ExcessWewillnotpaythefirst£50ofeachinsured person’s claim.
What is not covered1.Anylossortheftofpersonal moneywhichyoudonotreporttothepolicewithin24hoursofdiscoveryandgetawrittenpolicereport(whereitisnotpossibletoobtainapolicereportyoumustprovideotherindependentproofoflosssuchasaletterfromyourtransportcompanyorresortmanagement).2.Theftofpersonal moneyfromalockedroom,safe,motorvehicleorcaravanunlessthereisevidenceofforcibleorviolententry.3. Any personal moneywhichisdelayed,detainedorconfiscatedbycustomsorotherofficials.4.Bonds,securitiesordocumentsofanykind.5.Theftofpersonal money not carried in your handbaggagewhileyouaretravelling.6.Theftofpersonal moneywhileitisunattended.7.Shortagesduetoamistakeorlossduetoachangeinexchangerates.8.AnythingmentionedintheGeneralExclusions.
Section P – Delayed BaggageIfyourbaggageistemporarilylostonthe outwardjourneyandyouarewithoutitformorethan12hours,wewillpayforthereplacement ofessentialitems.
Special condition Toclaimunderthissection,youmustkeep thereceiptsofanythingyoubuyandgetwrittenconfirmationfromthecarrierofthenumberofhoursyouwerewithoutyourbaggage.
The most we will pay Themostwewillpayforeachinsured person is£150.
What is not covered1.Anyclaimforbaggagedelayedordetained bycustomsorotherofficials.2.AnythingmentionedintheGeneralExclusions.
Section Q – Baggage coverWewillcoveryouforloss,theftoraccidentaldamage to yourpersonalbelongingsandvaluables during your trip.
Special conditions1. Youmusttakereasonablecaretokeepyour personalbelongingsandvaluablessafe.Ifyour personalbelongingsorvaluablesarelostorstolen,youmusttakeallreasonablestepstogetthemback.2.Ifyourpersonalbelongingsorvaluables arelostordamagedbyanauthority,atransport
37
companyorhotel,youmustreportthedetailsofthelossordamagetotheminwritingandgetwrittenconfirmation.3.Ifyourpersonalbelongingsorvaluables are lostordamagedbyanairline,youmust:a.getapropertyirregularityreportb.givewrittennoticeoftheclaimtotheairlinewithinthetimelimitintheirconditionsofcarriage(youshouldalsokeepacopy)c.keepalltravelticketsandtagsifyou claim underthissection.4. Youmustbeabletoprovethatyouwereresponsibleforthelost,stolenordamageditemsandhowmuchtheyareworth.Ifyou do not do this,itmayaffectyourclaim.5. At ouroption,wewillsettleanyclaimbypaymentorreplacement.Wewillpayclaimsforpersonalbelongingsandvaluablesbasedontheirvalueatthetimeofloss.Wewillnotpaythecostofreplacingthemwithnewitems,andwewillnotpaymorethantheoriginalpurchasepriceofanylostordamageditem.6.IfyouhavealsomadeaclaimundertheDelayedBaggagesectionthisamountwill bedeductedfromtheamountclaimedunder thissection.
The most we will pay Themostwewillpayforeachinsured person is£1500butnomorethan:•£300foranyonearticle,pairorsetofarticles;and•£400intotalforvaluables.
ExcessWewillnotpaythefirst£50ofeachinsured person’sclaim.
What is not covered1.Lossortheftofpersonalbelongingsorvaluableswhichyouhaveleftunattended.2.Cracking,scratchingorbreakingofglass(exceptlensesincamera,binocularsorspectacles),china,porcelain,ceramics,pottery,ornamentsorsimilarfragilearticles.3.Wearandtear,lossofvalueanddamagecausedbymothsandvermin,oranyprocess ofcleaning,repairingorrestoring.4.Theftofpersonalbelongingsorvaluablesfromalockedroom,safe,motorvehicleorcaravanunlessthereisevidenceofforcibleandviolententry.5.Pedalcycles,contactlenses,hearingaids,medicalanddentalfittings.6.Anylossortheftwhichyoudonotreportto
thepolicewithin24hoursofdiscoveryandget awrittenreport(whereitisnotpossibletoobtainapolicereportyoumustprovideotherindependentproofoflosssuchasaletterfromyourtransportcompany,vehiclehirecompanyorrepairer.7. Winter sports equipment.8.Scubadiving,golfandfishingequipment.9.Antiques,fursortelescopes.10.Anygoodsdelayed,detainedorconfiscatedbycustomsorotherofficials.11.Itemsusedinconnectionwithyourjobwhicharenotownedbyyou.12. Personal money,bonds,securitiesordocumentsofanykind.13.Loss,damageortheftofvaluables not carried in yourhandbaggagewhileyouaretravelling.14.AnythingmentionedintheGeneralExclusions.
Section R – Winter Sports cover Cover under the Winter Sports sections only applies for a maximum of 21 days in total in calendar year.
Winter sports equipment 1.Ifyour winter sports equipmentislost,stolenor damaged by accident during your trip,wewillpayfortheirreplacementorrepair,whicheverislower,aftermakinganallowanceforwearandtearandlossofvalueusingthescalebelow.•Uptooneyearold,90%ofthepurchaseprice•Uptotwoyearsold,70%ofthepurchaseprice•Uptothreeyearsold,50%ofthepurchaseprice•Uptofouryearsold,30%ofthepurchaseprice•Overfouryearsold,20%ofthepurchasepriceThemostwewillpayis£500foreachinsured person.2.Ifyouhirewinter sports equipmentanditislost,stolenordamagedbyaccidentduringyour trip,wewillpayforitsreplacementorrepair.Themostwewillpayis£500foreachinsured person.3.Ifwepayunderitems1or2above,wewillalsopaytohirereplacementwinter sports equipmentfortherestofyour trip.Themostwewillpayunderitem3is£200foreachinsured person.4. Wewillpayupto£200toreplaceyourlift passifitislostorstolenduringyour trip.
Special conditions1. Youmusttakereasonablecaretokeepthewinter sports equipmentsafe.Ifthewinter
38
sports equipmentislostorstolen,youmusttakeallreasonablestepstogetitback.2.Ifthewinter sports equipmentislostordamagedbyanauthority,atransportcompanyorhotel,youmustreportthedetailsofthelossordamagetotheminwritingandgetwrittenconfirmation.3.Ifthewinter sports equipmentislostordamagedbyanairline,youmust:a.getapropertyirregularityreportb.givewrittennoticeoftheclaimtotheairlinewithinthetimelimitintheirconditionsofcarriage(youshouldalsokeepacopy)c.keepalltravelticketsandtagsifyou claim underthispolicy.4. Youmustbeabletoprovethatyouwereresponsibleforthelost,stolenordamageditemsandthepurchaseprice.Ifyoudonotdothis,itmayaffectyourclaim.
ExcessWewillnotpaythefirst£50ofeachinsured person’sclaim.
Delay due to AvalancheWewillcoveryouforthecostofextratravelandaccommodationifanavalanchedelaysyour arrival atordeparturefromthebookedresort.
The most we will pay Themostwewillpayforeachinsured person is£200.
Piste ClosureThis section does not apply to cross-country skiing.Ifallpistesattheresortyouhavebookedareclosedbecauseoflackofsnow,excessivesnoworhighwindswewillpayyouadailybenefitof£30.
Special conditions1.ThissectiondoesnotapplyintheUKandwithinEuropethecoveronlyappliesduringtheperiod15Decemberto15April.2. Youmustprovideevidencethatconfirms thepisteclosurefromeitheryourtouroperator orresortmanagement.
The most we will pay Themostwewillpayforeachinsured person is£300.
Ski PackIf,duetoillnessorinjury,you are medically certifiedasbeingunabletoskiorsnowboard
wewillpaytheproportionatecostofyournon-refundableskipack.Theskipackcompriseslessonsfromaskischool,skihireandthecostofanyliftpass.
The most we will payThemostwewillpayforeachinsured person is£300.
Inability to take part in Winter Sports ActivitiesIf,duetoinjuryorillnessduringyour trip,you cannottakepartinwintersportsactivities,wewillpayyou£20foreachdayyouarepreventedfromdoingso.
The most we will payThemostwewillpayforeachinsured person is£200.
What is not covered under Winter Sports cover1.Deliberateormaliciousdamagetowinter sports equipmentcausedbyyou.2.Lossordamagetowinter sports equipment causedbyyourcarelessnessorneglect.3.Damagetowinter sports equipmentcausedbywearandtear,lossofvalueanddamagecausedbymothsorvermin,oranyprocessofcleaning,repairingorrestoring.4.Lossesfrommotorvehicles.5.Anylossortheftwhichyoudonotreporttothepolicewithin24hoursofdiscoveryandgetawrittenreportfor(whereitisnotpossibletoobtainapolicereportyoumustprovideotherindependentproofoflosssuchasaletterfromyourtransportcompanyorresortmanagement).6. Winter sports equipmentthatisdamagedwhileitisbeingused.7.AnyclaimforSkiPackorInabilitytotakepartinWinterSportsactivitieswherethereis,orwouldbe,novalidclaimforthatmedicalconditionunderSectionB
8.AnythingmentionedintheGeneralExclusions.
FraudIfyou,oranyoneactingforyou,makeaclaimunderthispolicyknowingtheclaimtobedishonestorintentionallyexaggeratedorfraudulentinanyway,orifyougiveanyfalsedeclarationorstatementtosupporttheclaim,wewillnotpaytheclaimandallcoverunderthepolicywillend.Wereservetherighttotellthepoliceaboutanydishonestclaim.
39
Complaints ProcedureOur Promise of ServiceOurgoalistogiveexcellentservicetoallour customersbutwerecognisethatthingsgowrongoccasionally.Wetakeallcomplaintswe receive seriouslyandaimtoresolveallourcustomers’problemspromptly.Toensurethatweprovidethekindofserviceyouexpectwewelcomeyourfeedback.Wewillrecordandanalyseyour commentstomakesurewecontinuallyimprovetheserviceweoffer.What will happen if you complain?
•Wewillacknowledgeyourcomplaintpromptly.
•WeaimtoresolveallcomplaintsasquicklyaspossibleMostofourcustomers’concernscanberesolvedquicklybutoccasionallymoredetailedenquiriesareneeded.Ifthisislikely,wewillcontactyouwithanupdatewithin10workingdaysofreceiptandgive youanexpecteddateofresponse.What to do if you are unhappyIfyouareunhappywithanyaspectofthehandlingofyourinsurancewewouldencourageyou,inthefirstinstance,toseekresolutionbycontacting:Ifyourcomplaintisregardingaclaimyouhavemadepleasecontactus by:
•telephoningtheTravelClaimshelplinenumbershownatthefrontofthisbooklet
•writingtoHSBCTravelClaimsDepartment, AvivaInsuranceLimited,POBox432,ChichesterPO19 1WQIfyourcomplaintisregardinganythingelsepleasecontact us:
•Bytelephoning:theCustomerServiceshelpline,thetelephonenumbersareshownatthefrontofthebooklet
•Or contact: yourHSBCBranchorHSBCPremierRelationshipManager.Ifyouareunhappywiththeoutcomeofyour complaintyoumayreferthemattertotheFinancialOmbudsmanServiceat:TheFinancialOmbudsmanService SouthQuayPlaza 183MarshWall London E149SRTelephone: 08000234567(freefromlandlines)or03001239123(freefrommostmobilephones)Orsimplylogontotheirwebsiteat www.financial-ombudsman.org.uk.
WhilstweareboundbythedecisionoftheFinancialOmbudsmanService,youarenot.Followingthecomplaintsproceduredoesnotaffectyourrighttotakelegalaction.
Financial Services Compensation SchemeWearemembersoftheFinancialServicesCompensationScheme(FSCS).You may be entitledtocompensationfromthisschemeifwe cannot meet ourobligations,dependingonthetypeofinsuranceandthecircumstancesofyour claim.FurtherinformationabouttheschemeisavailablefromtheFSCSwebsitewww.fscs.org.uk,orwritetoFinancialServicesCompensationScheme,10thFloor,BeaufortHouse,15StBotolphStreet,LondonEC3A7QU.
How to make a claim – help us to help youWe recommend youreadthefollowinginformationbeforeyoutravel.Youcanalsouseitasaquickreferenceguideifyouneedtomakeaclaim.Forfulldetailspleaserefertotherelevantpolicysectionofthisbooklet.
Before you travel•Readyourpolicydocumentationtomakesureyouhaveallthecoveryourequireforyour trip andensurethatyouunderstandthetermsandconditionsofthecoverprovided.•Makesureyouareawareofthepolicylimits andexcesses.•Honestyisthebestpolicy–pleaseensureyouhavetoldusaboutanypre-existingmedicalconditionsrelatingtoyou,andanyonewhosegoodhealthyour tripdependson(whethertravellingornot).ItisveryimportantthatyoureadandcomplywiththeMedicalDeclarationonpage20.•PleasecontacttheCustomerServiceshelplineshownatthefrontofthisbookletifyouhaveanyqueries.
When making a claim•Contacttherelevanthelplinenumbershownatthefrontofthisbookletassoonasyoucanforassistance.•Checkthecoveryouhaveandthepolicylimitforthesectionyouwishtoclaimunder.•Checkforanyspecialconditionsinthisbookletthatapplytothesectionyouareclaimingagainst.•Beawarethatwhereanexcessappliesyouwillneedtopaytheamountshown.•Ensurethatyoukeepanydocumentationwe mayrequire.
40
Type of claim What must I do? What will I need?
Medical emergency
•ContacttheMedicalEmergencyAssistancehelplineimmediately.•Ifpossibletelephonethehelplinepriortomakinganyhospitaladmissionarrangements.
•Allmedicalreportsgiventoyoubythetreatingfacility.•Receiptsforanyexpensesincurredthat
are covered by yourpolicy.
Cancelling your trip
•Checkthatthereasonyou are cancellingislistedasbeingcoveredintheCancellationChargessectionofyourpolicybooklet.•ContacttheTravelClaimshelplineassoonasyouknowyou need to cancel your trip.
•Amedicalcertificatefromyour UK doctorconfirmingthereasonforcancellation.Ablankcertificatewillbeissuedwithyourclaimform.•Deathcertificate(whereapplicable).•Documentaryevidencethatyouhavebeenunabletoobtainarefundfromyourtravel/accommodationprovider.
Abandoning your trip
•ContacttheMedicalEmergencyAssistancehelplineassoonastheneedforabandonmentarisesandbeforereturning home.
•Amedicalreportconfirmingthereasonforabandonment.Whereappropriateablankmedicalcertificatewillbesenttoyouwithyourclaimform.•Deathcertificate(whereapplicable).
Delayed departure
•Youmustcheckinatyourspecifieddeparturetime.•Checkthatyourdelaywasover12hoursbeforesubmittingaclaim.•ContacttheTravelAssistanthelpline.
•Writtenconfirmationfromthecarrier/agentoftheactualdate andtimeofdepartureandreasonfordelay.
Enforced Stay Abroad
•Youmustcontactyourairline/carrierandtheywilladviseifyoushouldtraveltotheairport/porttocheckinatyour specifiedtime.
•Writtenconfirmationfromtheairline/carrieroftheactualdateandtimeofyourreturntotheUK.•Retaindocumentaryevidenceofthecostsyouincurredifyoumakeyour ownwayhome.
Missed departure
•Doeverythingtogettoyour point of international departureontime.•ContacttheTravelAssistanthelplinenumberimmediately.Thecarriercanbe contacted on yourbehalftomakealternativearrangements.
•Areportfromtherepairerorbreakdownassistanceproviderifthevehicleyou weretravellinginbrokedownorwasinvolvedinanaccident.•Evidencefromthetransportproviderifpublictransportfailed.
41
Type of claim What must I do? What will I need?
Delayed baggage
•Reportthedelaytothecarrierassoonasitisclearyourbagshavebeendelayed.•Givewrittennoticeoftheclaimtothecarrierwithinthetimelimitintheirconditionsofcarriage.•ContacttheTravelClaimshelpline.
•Receiptsforessentialpurchasesyou makewhilstyourbaggageisdelayed.•Writtenconfirmationfromthecarrierofthenumberofhoursyouwerewithoutyourbaggage.
Lost or damaged baggage while in the custody of a carrier
•Reporttheloss/damagetothecarrierassoonasyouareawareofthedamageorlossandobtaina“PropertyIrregularityReport”.•Givewrittennoticeoftheclaimtothecarrierwithinthetimelimitintheirconditionsofcarriage.•ContacttheTravelClaimshelpline.
•A“PropertyIrregularityReport”.Thisshouldbeobtainedfromthecarrierassoonasyouareawareofthedamageorloss.•Yourbaggagetagreceipts.•Proofofpurchaseforthelost,stolenordamageditems.
Lost, stolen or damaged personal belongings
•Takeallreasonablestepstorecoveryourproperty.•Youmustreportdetailsoftheincidenttothepoliceoranyotherrelevantauthoritywithin24hoursofdiscovery,andobtainawrittenincidentreport.•ContacttheTravelClaimshelpline.•Donotdisposeofyourdamageditems.
•Writtenconfirmationofthelossordamagefromthepoliceoranyotherrelevantauthority.•Proofofpurchaseforthelost,stolenordamageditems.
Loss of passport
•Youmustreportdetailsoftheloss/thefttothepolicewithin24hoursandobtainawrittenreport.•ContacttheTravelClaimshelpline.
•Awrittenpolicereport.•Receiptsforexpensesrelatingtothepurchaseofanemergencypassport.
Loss or theft of personal money
•Takeallreasonablestepstorecoveryourmoney.•Youmustreportdetailsoftheincidenttothepoliceoranyotherrelevantauthoritywithin24hoursandobtainawrittenincidentreport.•ContacttheTravelClaimshelpline.
•Writtenconfirmationofthelossordamagefromthepoliceoranyotherrelevantauthority.•Proofthatyouownedthemoneyanditsvalue.
Pleasenoteonlyaselectionofclaimsscenariosareshownabove.Pleaserefertotherelevantsectionofcoverwithinthispolicybookletforfulldetailsofcoverandanyevidencewemayrequire.
42
Air passengers – know your rightsIt’softendifficulttoknowwhomightberesponsibleforcancelledordelayedflightssotravellersneedtobeawareoftheEuropeanUnion(EU)regulationsthatprotectyourrighttobeingtreatedfairlyasanairpassenger.AllairlinesdepartingfromanairportinanEUmemberstatehaveresponsibilitiestoassisttheirpassengersiftheirflightiscancelledordelayedandincertaincircumstancesareobligedtopayyoucompensation.Airlinesarealsoresponsibleforlossordamagetoyourbaggageduringcarriage.Thefollowinginformationmayassistyou.HoweverforthelatestadviceandfurtherdetailsonyourrightsasanairlinepassengerandcompensationindifferentsituationspleasevisitUKCivilAviationAuthoritywebsiteatwww.caa.co.uk.Youshouldalsorefertothetermsandconditionsoftheairlineyouaretravellingwith.Wearenotresponsibleforthecontentofotherwebsites.My flight has been cancelledIfyougettotheairportintheUKandfindyourflighthasbeencancelledtheairlineresponsibleshouldofferyouachoiceofthefollowing:•Arefundwithin7daysofthefullcostoftheunusedticket,or•Re-routingtoyourfinaldestinationattheearliestopportunity,or•Re-routingtoyourfinaldestinationatalaterdateconvenienttoyou.Inreasonablerelationtowaitingtimetheairlineshouldalsoofferyou:•Freemealsandrefreshments•Hotelaccommodationandtransfersshouldyouhavetostayovernight•Twofreephonecalls,faxesoremails.Incertaincircumstancesyoumayalsobeentitledtocompensation.My flight has been delayedIfyourflightfromtheUKhasbeendelayedyouhaveastatutoryrighttomealsandrefreshments,helpwithcontactingfamilyorfriendsandovernightaccommodationwhereapplicable:•Mealsandrefreshmentsappropriatetodelay,twofreecalls,faxesoremailsfor:–Anydelayover4hours–Delaysover3hoursforflightsover932mileswithintheEU–Delaysover2hoursforflightsupto932miles.
•Refundofyourticketifyoudecidenottotravelwhenyourflighthasbeendelayedforover5hours.•Hotelaccommodationandtransfersifyourflightisnotexpectedtoleaveuntilthenextday.My baggage has been lost, damaged or delayed by an airlineYourairlinehasaresponsibilitytoyouasfollows.Wherepossibleit’sbesttoreportanyproblemsbeforeyouleavetheairport.•Theairlinewillbeliableifyourbaggageisdestroyed,lostordamagedduringcarriagesolongastheyagreedtocarrytheitemsatcheck-inandyoucanprovidereceiptsforthem.•TheamountyoucanclaimislimitedbytheMontrealConvention,andtheairlinewilldecideontheamountfollowingassessmentofyourclaim.•ItisimportantthatyouobtainaPropertyIrregularityReportfromtheairlineoragentasyouwillneedthistoproveyourlosswhenmakingyourclaimtotheairline.Ideallyyoushouldobtainthisbeforeleavingtheairport.•Aclaimtotheairlinemustbesubmittedwithin7daysfordamagedbaggageandwithin21daysfordelayedbaggage.•TheMontrealConventionrequiresairlinestotreatabagaslostafter21dayssoyoushouldmakeyourclaimassoonaspossibleifyourbaggageisstillmissingafterthistime.
Air passengers – what will my Travel Insurance policy cover me for?Delayed departureTheextraaccommodationandtravelcostsyouhavetopaytoreachyourdestinationifyou missyourinternationaldepartureduetocertaintransportproblems.Compensationforeach12hourperiodyou are delayed on youroutwardjourneyorthefinalpartofyourreturnjourneytotheUK.Coverforbuyingessentialitemssuchastoiletriesandclothingifyourbaggageistemporarilylostformorethan12hourswhenyou arrive at yourdestination.
Cancelled flightsCompensationforacancelledflight–theairlineisresponsibleforcompensatingyouwhereappropriate.Compensationifyouarepreventedfromtravellingduetoairspaceorairportorportclosureformorethan24hoursorreasonableadditionaltravelandaccommodationexpensesifyou unavoidablyhavetomakeyourownwayhome.
43
Lost, damaged or delayed baggageAlthoughtheairlineisresponsibleforlossordamageto yourbaggageduringcarriage,yourTravelInsurancepolicywillofferyoufurtherprotection.•Yourpolicywillcoveryouforloss,theftoraccidental damage to yourpersonalbelongingsorbaggage during your trip.•WewillrequirewrittenconfirmationofanylossordamageasdetailedintheBaggagecoversectionandconfirmationofanypaymentsyou havereceivedfromtheairline.FulltermsandconditionsofyourTravelInsurancecovercanbefoundwithinthispolicybooklet.
Important information about HSBCExplaining HSBC’s serviceYourTravelInsurancepolicyisprovidedbyAvivaInsuranceLimitedandasaninsuranceintermediaryHSBCBankplcdealsexclusivelywithAvivaforpurposesofyourpolicy.Onceyourpolicyhascommenced,youwilldealdirectlywithAvivaforallyourongoingpolicyadministrationandclaims.WhenyoutookoutyourqualifyingbankaccountnoadviceorrecommendationregardingthesuitabilityofthisTravelInsurancewasprovidedbyHSBCBankplc.NoadditionalfeehasbeenchargedbyHSBCBankplcforarrangingthiscontract.HSBCBankplcisregisteredinEnglandnumber14259.RegisteredOffice:8CanadaSquare,London,E145HQ.
Loans and OwnershipHSBCBankplcisamemberoftheHSBCGroup,theultimateparentcompanyofwhichisHSBCHoldingsplc.HSBCHoldingsplcbeneficiallyholds100%ofboththesharesandvotingpowerofHSBCBankplc.HSBCLife(UK)LimitedisawhollyownedsubsidiaryofHSBCBankplc.ThefollowinginsurancecompaniesarealsowhollyownedmembersoftheHSBCGroup:•HSBCInsurance(Ireland)Limited•HSBCGeneralInsuranceServices(UK)Limited•HSBCLife(Europe)Limited
Who regulates HSBC Bank plc?HSBCBankplc,8CanadaSquare,London, E145HQ(www.hsbc.co.uk)isauthorisedandregulatedbytheFinancialServicesAuthority.ItsFSARegisternumberis114216.YoucancheckthisontheFSA’sRegisterbyvisitingtheFSA’swebsitewww.fsa.gov.uk/registerorbycontactingtheFSAon08456061234.Itspermittedbusinessisadvisingonandarranginginsurancecontracts.
What to do if you have a complaint about HSBC Bank plcEveryeffortismadetoensurethathighstandardsofservicearemaintained.However,ifyouneedtobringanymattertoHSBC’sattentionorwishtoregisteracomplaintaboutHSBCBankplc,pleasecontactus:•inwriting:TheManager ServiceQualityTeam HSBCBankplc ArlingtonBusinessCentre MillshawParkLane LeedsLS110PP•bytelephone:0800881155 (textphone1800108000283516). Linesareopen9amto5pmMondaytoFriday•byemail:servicequality@hsbc.comIfyoucannotsettleyourcomplaintwithHSBCBankplc,youmaybeentitledtoreferittotheFinancialOmbudsmanService.Followingthecomplaintsproceduredoesnotaffectyourright totakelegalaction.
Is HSBC covered by the Financial Services Compensation Scheme (FSCS)?HSBCBankplciscoveredbytheFSCSandyoumaybeentitledtocompensationfromtheschemeifitcannotmeetitsobligations.Thisdependsonthetypeofbusinessandthecircumstancesoftheclaim.Insuranceadvisingandarrangingiscoveredfor90%oftheclaimwithnoupperlimit.FurtherinformationaboutcompensationschemearrangementsisavailablefromtheFSCS.
Further important information about your policyHSBCBankplcmayfromtimetotimeuseadifferentinsurer(s)toprovideyouwiththisproduct.Achangeofinsurer(s)maytakeplaceatanytime.HSBCBankplcwillnotifyyoupriortoanychangeofinsurer(s)andadviseyouofanychangeinthepolicyterms.Youwillhavetheopportunitytoterminateyourqualifyingbankaccountbothbeforeandaftersuchachangebecomeseffective.
Your duty to disclose informationItisyourresponsibilitytoprovidecompleteandaccurateinformationtotheinsurer,throughoutthelifeofyourpolicy.Failuretodiscloseanyrequestedinformation(thesearefactsthattheinsurerwouldregardaslikelytoinfluencethemedicalriskassessmentandacceptanceofthisinsurance),couldinvalidateyourinsurancecoverandcouldmeanthatpartorallofaclaimmaynotbepaid.
InsurerHSBCTravelInsuranceisprovidedbyAvivaInsuranceLimited.RegisteredinScotland, No2116.RegisteredOffice:Pitheavlis,PerthPH20NH.AuthorisedandregulatedbytheFinancialServiceAuthority.
Telephone callsYoucancontactHSBCCustomerServicesontheappropriatehelplinenumberapplicabletoyouraccount.ThetelephonenumberwillvaryaccordingtowhetheryouareaPremierorAdvance/Advance(Graduate)customer.Fulldetailsoftherelevantnumberapplicabletoyoucanbefoundatthefrontofthisbooklet.TohelpHSBCBankplccontinuallyimproveourserviceandintheinterestsofsecurity,yourcommunicationsmaybemonitoredand/orrecorded.
Marketing Withyourpermission,theHSBCGroupmayexchange,use,analyseandassessrelevantinformationaboutyourrelationshipswiththeHSBCGroup,includingthenatureofyourtransactions,togiveyouinformationaboutproducts(includingmortgages)andservicesavailablefromHSBCGroupcompaniesandthoseofselectedthirdpartieswhichmayinterestyoubytelephone,post,email,securee-messaging,textmessagingservicesandothermeans.IfyoudonotwantmembersoftheHSBCGrouptocontactyouaboutproductsandserviceswhichtheythinkmayberelevanttoyou,pleaseeithertellyourHSBCbranch,yourHSBCPremierRelationshipManagerorcontacttheappropriateHSBCCustomerServiceshelplineapplicabletoyouraccount.ThetelephonenumberwillvaryaccordingtowhetheryouareaPremierorAdvance/Advance(Graduate)customer.Fulldetailsoftherelevantnumberapplicabletoyoucanbefoundatthefrontofthisbooklet.
98925-2MCP4111509/12 ©HSBC Bankplc2012.AllRightsReserved.
hsbc.co.uk
Issued by HSBC Bank plc CustomerInformation:POBox6201,CoventryCV39HW
ThisinsuranceisunderwrittenbyAvivaInsuranceLimited. RegisteredinScotland,No2116. RegisteredOffice:Pitheavlis,PerthPH20NH. AuthorisedandregulatedbytheFinancialServicesAuthority.
top related