uia mutual travel insurance · uia mutual travel insurance important: please read and keep safe ......
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UIA Mutual Travel Insurance
Important: Please read and keep safe
in association with:
policy booklet
UIA1
IMPORTANT NOTICE
Your attention is drawn to important features of your travel insurance policy including:
• INSURANCE POLICY: This contains full details of the cover provided plus the conditions and exclusions which apply to it. UIA Mutual Travel Insurance is arranged and administered by AllClear Insurance Services Limited who are authorised and regulated by the Financial Conduct Authority (Firm Reference Number 311244).
You must read the insurance policy carefully.
• CONDITIONS, EXCLUSIONS AND WARRANTIES: There are conditions and exclusions which apply to individual sections and general conditions, exclusions and warranties which apply to the whole policy.
• DATE CHANGE EXCLUSION: Changes in dates could see widespread failures of computer and other systems containing computer chips, which depend on date related information in order to work properly. Certain sections of your policy excludes anything directly or indirectly caused by failure of any computer hardware or software or other electrical equipment to recognise or process any date as the true calendar date. Please refer to page 27.
• FRAUDULENT CLAIMS: The making of a fraudulent claim is a criminal offence.
• HEALTH: The policy contains conditions relating to the health of the people travelling and others upon whose wellbeing the trip may depend. It may be that you are required to disclose the condition of such people prior to cover being issued and you must be aware that failure to disclose such matters will prejudice your position. In certain instances a telephone helpline is available. Please do use this service to ensure you are fully protected. Please refer to page 8.
• PROPERTY CLAIMS: These are settled on an indemnity basis – not on a “new for old” or replacement cost basis, unless otherwise stated in the policy.
• POLICY LIMITS: Most sections of the policy have limits on the amount MAPFRE Assistance will pay under that section. Some sections also include inner limits e.g. for one item, or for valuables in total.
• POLICY EXCESSES: Claims under most sections of the policy will be subject to an excess. An excess means that you are responsible for the first sum per person per incident when you claim. The amount of any excess is detailed in the Policy Wording on the Summary of Cover page, and under the Sections to which an excess applies.
• REASONABLE CARE: You are required to take all reasonable care to protect yourself and your property and to act as though you are not insured.
• COMPLAINTS: The insurance policy includes a Complaints Procedure which tells you what steps you can take if you wish to make a complaint. Please refer to page 28.
• “COOLING OFF” PERIOD: The policy contains a “cooling off” period which allows you to return the policy and obtain a full refund, provided you return your policy within the first 14 days of receiving it or before you travel (whichever is sooner.) Please refer to page 7.
• HAZARDOUS HOLIDAY ACTIVITIES: The policy will not cover you when you take part in certain hazardous activities. Please refer to pages 29 - 33.
• DATA PROTECTION ACT 1998: Please note that any information provided to us will be processed by us and our agents in compliance with the provisions of the Data Protection Act 1998, for the purpose of providing insurance and handling claims, if any, which may necessitate providing such information to third parties.
• GOVERNING LAW: Your policy is governed by the law applicable to where you reside within the United Kingdom if this is your usual country of residence. Please refer to page 7.
The policy applies to all persons named on the Policy Schedule who are eligible to be insured and for whom the premium has been paid. You must be resident in the United Kingdom and registered with a United Kingdom doctor.
1
CONTENTS Page
3 to 5 Summary of Cover6 24 Hour Worldwide Emergency Service, How to make a Claim7 to 9 Policy Notes including: Medical Health Requirements9 Geographical Limits9 Conditions 10 Definitions11 Reciprocal Health Agreements
YOUR COVER12 Section 1 Cancellation12 Section 2 Curtailment13 Section 3 Missed Departure14 Section 4 Travel Delay and Abandonment14 Section 5 Personal Accident14 Section 6 Medical Emergency Expenses15 Section 7 Personal Property17 Section 8 Personal Public Liability17 Section 9 Home Help or Nanny17 Section 10 Financial Failure Insurance 18 Section 11 Legal Costs and Expenses
OPTIONAL COVER19 Section 12 Ski Equipment19 Section 13 Ski Pack20 Section 14 Piste Closure20 Section 15 Golf Cover21 Section 16 Hole in One21 Section 17 Cruise Cover22 Section 18 Business Cover23 Section 19 Travel Disruption24 Section 20 Wedding Cover
GENERAL INFORMATION27 General Exclusions28 Complaints Procedure29 to 33 Amateur Sporting and Hazardous Activities list.
2
CO
VER
VALU
E C
OVE
RST
AN
DA
RD
CO
VER
PREM
IER
CO
VER
Sect
ion
of th
e Po
licy
Wor
ding
that
con
tain
sfu
rthe
r det
ails
CO
VER
EXC
ESS
CO
VER
EXC
ESS
CO
VER
EXC
ESS
CA
NC
ELL
ATIO
N£1
,000
£150
(£15
fo
r los
s of
de
posi
t)
£1,5
00£1
00 (£
15
for l
oss
of
depo
sit)
£3,0
00£5
0 (£
15
for l
oss
of
depo
sit)
Sec
tion
1P
age
12
CU
RTA
ILM
EN
T£1
,000
£150
£1,5
00£1
00£3
,000
£50
Sec
tion
2P
age
12
MIS
SE
D D
EPA
RTU
RE
Exc
lude
£250
Nil
£500
Nil
Sec
tion
3P
age
13 TR
AVE
L D
ELA
Y
AB
AN
DO
NM
EN
T
Exc
lude
Exc
lude
£2
0 fo
r the
firs
t 12
hour
s, £
10 fo
r eac
h 12
hou
rs a
fter u
p to
£10
0 £1
,500
N
il
£100
£2
0 fo
r the
firs
t 12
hou
rs, £
10 fo
r ea
ch 1
2 ho
urs
afte
r up
to £
100
£3,0
00
Nil
£50
S
ectio
n 4
Pag
e 14
PE
RS
ON
AL
AC
CID
EN
T
Dea
th
Per
man
ent T
otal
Dis
able
men
t
Exc
lude
£2
0,00
0
£10,
000
£20,
000
N
il N
il N
il
£20,
000
£10,
000
£20,
000
N
il N
il N
il
Sec
tion
5P
age
14
ME
DIC
AL
EM
ER
GE
NC
Y E
XP
EN
SE
S R
EPA
TRIA
TIO
N
AN
D A
SS
OC
IATE
D E
XP
EN
SE
S
Fune
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xpen
ses
Abr
oad
Hos
pita
l Ben
efit/M
edic
al
Inco
nven
ienc
eB
enefi
t
Loss
of M
edic
atio
n
£1,0
00,0
00
£1,5
00
Exc
lude
Exc
lude
£150
£150
£5,0
00,0
00
£1,5
00
£25
per d
ay u
pto
£30
0
£300
£100
£100
Nil
£100
£10,
000,
000
£1,5
00
£25
per d
ay u
pto
£30
0
£300
£50
£50
Nil
£50
Sec
tion
6P
age
14
SUM
MA
RY O
F C
OVE
R (p
er p
erso
n)
PLEA
SE C
HEC
K Y
OUR
PO
LIC
Y SC
HED
ULE
TO
CO
NFI
RM
TH
E LE
VEL
OF
CO
VER
YO
U H
AVE
3
PE
RS
ON
AL
PR
OP
ER
TY
Sin
gle
artic
le li
mit
Tota
l for
all
valu
able
s D
elay
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agga
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Per
sona
l mon
ey a
nd d
ocum
ents
Und
er 1
6 lim
it
Pas
spor
t
Pre
scrip
tion
spec
tacl
es
Rep
lace
men
t key
sM
obili
ty A
ids
Exc
lude
Exc
lude
Exc
lude
Exc
lude
Exc
lude
Exc
lude
Exc
lude
£1,0
00
£150
£200
£100
£300
(cas
h lim
ited
to £
150)
£100
(Cas
h lim
ited
to £
50)
£200
£300
£50
£250
0
£100
£100
£100
Nil
£100
£50
(Cas
h £2
5)£1
00
£100
Nil
£100
£1,5
00
£200
£300
£100
£300
(cas
hlim
ited
to £
150)
£100
(Cas
hlim
ited
to £
50)
£200
£300
£50
£250
0
£5
0
£50
£50
Nil
£50
£50
(Cas
h £2
5)
£50
£50
Nil
£50
Sec
tion
7P
age
15
PE
RS
ON
AL
PU
BLI
C L
IAB
ILIT
YE
xclu
de£2
,000
,000
Nil
£2,0
00,0
00N
ilS
ectio
n 8
Pag
e 17
HO
ME
HE
LP O
R N
AN
NY
Exc
lude
£300
Nil
£300
Nil
Sec
tion
9P
age
17
FIN
AN
CIA
L FA
ILU
RE
IN
SU
RA
NC
E
Exc
lude
Exc
lude
£3,0
00N
ilS
ectio
n 10
Pag
e 17
LEG
AL
CO
STS
AN
D E
XP
EN
SE
SE
xclu
de£1
0,00
0N
il£2
5,00
0N
ilS
ectio
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Pag
e 18
OPT
ION
AL
CO
VER
VALU
E C
OVE
RST
AN
DA
RD
CO
VER
PREM
IER
CO
VER
Sect
ion
of th
e Po
licy
Wor
ding
that
con
tain
s fu
rthe
r det
ails
CO
VER
EXC
ESS
CO
VER
EXC
ESS
CO
VER
EXC
ESS
SK
I EQ
UIP
ME
NT
Hire
d S
ki E
quip
men
t
Ski E
quip
men
t Hire
Lost
Lift
Pas
s
£500
£250
£10
per d
ay u
p to
£2
50
£150
£150
£150
Nil
Nil
£500
£250
£10
per d
ay u
p to
£2
50£1
50
£100
£100
Nil
Nil
£500
£250
£10
per d
ay u
p to
£2
50£1
50
£50
£50
Nil
Nil
Sec
tion
12P
age
19
Ski
Pac
k£5
00£1
50£5
00£1
00£5
00£5
0S
ectio
n 13
Pag
e 19
PIS
TE C
LOS
UR
E£3
00£1
50£3
00£1
00£3
00£5
0S
ectio
n 14
Pag
e 20
4
GO
LF C
OV
ER
Loss
of G
reen
Fee
sG
olf E
quip
men
t D
elay
ed G
olf E
quip
men
t G
olf E
quip
men
t Hire
Liab
ility
for G
olf b
uggi
es w
hils
t in
use
£300
£1,0
00£3
00£2
0 pe
r day
up
to
£200
£1,0
00,0
00
£150
£150
£150
Nil
Nil
£300
£1,0
00£3
00£2
0 pe
r day
up
to
£200
£1,0
00,0
00
£100
£100
£100
Nil
Nil
£300
£1,0
00£3
00£2
0 pe
r day
up
to
£200
£2,0
00,0
00
£50
£50
£50
Nil
Nil
Sec
tion
15P
age
20
HO
LE IN
ON
E
£100
Nil
£100
Nil
£100
Nil
Sec
tion
16P
age
21
CR
UIS
E C
OV
ER
Ext
ende
d B
agga
ge C
over
S
ingl
e A
rticl
e Li
mit
Tota
l for
all
valu
able
sE
ach
mis
sed
shor
e tri
pC
onfin
ed to
you
r cab
in d
ue to
ill
ness
Exc
lude
Exc
lude
Exc
lude
Exc
lude
Exc
lude
Exc
lude
Exc
lude
Exc
lude
Exc
lude
Exc
lude
£2,5
00£7
50£5
00£2
5£3
00
£50
£50
£50
£50
£50
Sec
tion
17P
age
21
BU
SIN
ES
S C
OV
ER
Bus
ines
s E
quip
men
t S
ingl
e A
rticl
e Li
mit
£750
£500
£150
£150
£750
£500
£100
£100
£750
£500
£50
£50
Sec
tion
18P
age
22
TRAV
EL
DIS
RU
PTI
ON
CO
VE
R
Del
ayed
Dep
artu
re
Mis
sed
Dep
artu
reA
ccom
mod
atio
n C
over
£750
£250
£750
£150
£150
£150
£1,0
00£5
00
£1,0
00
£100
£100
£100
£1,2
50£7
50£1
,250
£50
£50
£50
Sec
tion
19P
age
23
WE
DD
ING
CO
VE
R
Wed
ding
ring
sW
eddi
ng g
ifts
Wed
ding
atti
reP
hoto
grap
hs a
nd v
ideo
sW
eddi
ng c
ars
and
trans
port
Cak
es a
nd fl
ower
s
£1,0
00£1
,000
£3,0
00£3
,000
£3,0
00£5
00£3
,000
£150
£150
£1
50
£150
£1
50
£150
£150
£1,0
00£1
,000
£3,0
00£3
,000
£3,0
00£5
00£3
,000
£100
£100
£100
£100
£100
£100
£100
£1,0
00£1
,000
£3,0
00£3
,000
£3,0
00£5
00£3
,000
£50
£50
£50
£50
£50
£50
£50
Sec
tion
20P
age
24
5
24 HOUR MEDICAL EMERGENCY SERVICE MAPFRE ASSISTANCEIMPORTANT – please quote Reference AllClear.
MAPFRE Assistance provides immediate help in the event of an Insured Person’s illness or injury arising outside your Home Country – they provide a 24 hour multilingual emergency service 365 days a year and can be contacted by telephone.
UK 0207 748 0521Outside UK +44 0207 748 0521Fax +353 91 501619 orEmail: [email protected]
When an Insured Person calls upon the services of MAPFRE Assistance it is a condition of service thatMAPFRE Assistance shall solely be responsible for all decisions on the most suitable and reasonable solutionto any medical problem. The service includes, where necessary:
i) Multilingual assistance with hospitals and doctors.ii) Repatriation arrangements by escort by a medical attendant.iii) Travel arrangements for other members of your party or immediate relative.iv) On arrival in your Home Country, an ambulance service to hospital or home.
Please note that failure to contact the assistance company may result in a claim being invalid.
OUT-PATIENT TREATMENT
If you receive medical treatment abroad as an outpatient, you should pay the hospital or clinic and claim back your medical expenses from Travel Claims Services when you return home, unless your outpatient treatment is likely to cost more than £500, in which case you must contact MAPFRE Assistance immediately (please refer to the 24 hour medical emergency section above for contact details).
HOW TO MAKE A CLAIM1) If you need to make a claim please obtain a claim form by telephoning or writing to the appropriate claims
service below within 28 days of your return, quoting UIA Mutual Travel Insurance and which section of the policy you are claiming under.
FOR ALL SECTIONSMAPFRE Assistance
Travel Claims Services, MAPFRE Assistance, One Victoria Street, Bristol Bridge, Bristol, BS1 6AATel: 0207 748 6479 E-mail: [email protected]
2) Then return your completed claim form to the claims service together with your original policy and Policy Schedule, confirmation of booking, all original receipts and police reports (which must be obtained within 48 hours of discovery in the event of loss, burglary or theft of money, valuables or any items of personal baggage) and any other evidence requested on the claim form.
6
MAPFRE Assistance This insurance is underwritten by MAPFRE Asistencia Compañia Internacional de Seguros y Reaseguros, Sociedad Anonima. 5th Floor, Alpha House, 24a Lime Street, London EC3M 7HS. Company Number: FC021974. Branch Number BR008042. Trading under the name MAPFRE Assistance.We (MAPFRE Asistencia) are authorised by Dirección General de Seguros y Fondos de Pensiones and are subject to limited regulation by the Financial Conduct Authority and the Prudential Regulation Authority. Details about the extent of regulation by the Financial Conduct Authority and the Prudential Regulation Authority are available on request.MAPFRE Asistencia Compañia Internacional de Seguros y Reaseguros, S.A. branch in the United Kingdom (trading as MAPFRE Assistance) has registered offices at 5th Floor, Alpha House, 24a Lime Street, London EC3M 7HS. MAPFRE Asistencia main office is based in Spain which forms part of the EEA (European Economic Area) as a member state. The Kingdom of Spain is responsible for controlling the insurance activity of MAPFRE Asistencia S.A., through the Spanish Ministry of Economy and the Treasury, and specifically the General Directorate for Insurance Matters and Pensions Fund (Dirección General de Seguros y Fondos de Pensiones). Its branch in the United Kingdom is also under the United Kingdom FCA (Financial Conduct Authority) and PRA (Prudential Regulation Authority) supervision in certain situations according to the European Union Regulation.PERIOD OF INSURANCEThe policy wording, including any endorsement issued by us, constitutes a contract between you and us and is made up of the schedule and this policy document, which together forms the contract of insurance, and isbased upon the information that you provided during your application.
This policy is not valid for trips taken within your Home Country unless pre-booked for a period ofthree nights or more.
For Single Trip InsuranceThis policy is not valid for trips exceeding 12 months. Winter sports trips are covered if the requiredadditional premium has been paid.
For Annual InsuranceFor travellers up to the age of 70 years, the maximum trip duration of any one trip is 45 days.For those aged 70 years and over, the maximum trip duration of any one trip is 31 days.
If you have chosen an Annual Multi-trip Insurance, the Outward and Return Journey must take placeduring the start and end date shown on the Schedule of Cover. Winter sports are limited to 17 days perpolicy year, where the appropriate additional premium has been paid.
The cover under Section 1 – CancellationCancellation cover applies as soon as the premium has been paid or from commencement date and thepolicy wording is issued. We cannot therefore, refund your premium after this date, except within the first14 days of the policy wording being received or before you travel (whichever is sooner). For Annual Multi tripinsurance, the cover under Section 1 starts at the time you book the trip or the start date shown on theSchedule of Cover, whichever is later.
The cover under remaining SectionsCover under all other sections apply for the duration of the booked trip including the period of travel from homedirectly to the departure point and back home directly afterwards not exceeding 24 hours in each case. If youcome home earlier than planned then cover ends on return to your home country. If the return is unavoidablydelayed for an insured reason, cover will be extended free of charge for the period of that delay.
We may cancel any cover under this policy by giving you 14 days notice by recorded delivery letter to you at your last known address. In this event, we will refund in full if it is a Single trip policy. For Annual Multi-trip policies, we will calculate the premium for the period up to the date when the cancellation takes effect and we will refund the premium paid for the remaining period of insurance. However, if we cancel the policy due to dishonesty or fraudulence, no refund of premium will apply.
‘COOLING OFF PERIOD’If, having examined your policy wording, you decide the insurance does not meet your needs, you can cancel the insurance within 14 days from the date you receive the policy wording, and we will refund the premium provided you have not taken a trip to which the insurance applies, and you have not made a claim.
7
MEDICAL HEALTH REQUIREMENTSWhen purchasing your cover, we asked you various health questions before we gave you a quotation.Questions originally askedHave you or anyone in your party: 1) Taken any prescribed medication or required medical treatment within the last two years?2) Been a registered in or out-patient in the last two years?3) Been placed on a waiting list currently for investigations or treatment?4) Been diagnosed by a doctor or consultant as suffering from a terminal illness?To avoid confusion, we want to highlight what we will, and will not, cover with regard to claims for ill-health.
Pre-existing medical conditionsWe will cover you for claims associated with those pre-existing medical conditions or disabilities you disclosed to us and we accepted in writing. We will not cover you for claims associated with pre-existing medical conditions you did not disclose to us or we did not accept in writing. You must tell us about ALL medical conditions for which you answer yes under 1-4 above. We cannot provide cover for some conditions and not for others you choose not to include in your declaration to us. You must check your Policy documents. The pre-existing medical conditions which you are covered for are set out in the enclosed schedule headed ‘Statement of Fact’. If they are not correct, please contact the UIA Mutual Travel Insurance call-centre on 01708 33 90 95.
All medical conditionsWe will not cover you for any medical condition or disability (pre-existing or otherwise) if:1) your state of health is significantly worse than you told us;2) you know you have a terminal condition, but have not told us;3) you know you will need medical treatment during your journey;4) one of the purposes of your journey is to obtain medical treatment;5) you are travelling against the advice of a medical practitioner;6) you are not fit to travel on your journey.We have the right from the date of issue up to the date of travel to request a letter from your Medical Practitioner detailing your pre-existing medical condition(s), and confirming that your condition(s) have not changed or got worse, along with agreeing that you are fit to travel.
Change in state of healthYou must tell us if your state of health changes before you commence your journey, i.e. if you develop a new medical condition or an existing one deteriorates. Please call the UIA Mutual Travel Insurance call-centre 01708 33 90 95. We have the right to amend, restrict or cancel your cover under this policy.
Non-travelling relativesYou may have a close relative with a medical condition who is not travelling with you. In some cases, if their state of health deteriorates greatly, you may want to cancel or curtail your journey. Subject to all the other terms and conditions, such claims are covered if the relative’s doctor is prepared to state that at the date you bought this policy, he/she would have seen no substantial likelihood of his/her patient’s condition deteriorating to such a degree that this would become necessary. If the doctor will not confirm this, your claim is not covered.
Travelling When PregnantCover under this policy is provided for unforeseen events. In particular, cover is provided under Sections 2 and 6 for unforeseen bodily injury or illness. Childbirth is not considered to be either unforeseen, or an illness or injury. Therefore there is no cover if at the start of your trip, during your trip or on your return date, you are more than 36 weeks and 6 days pregnant for a single pregnancy, or more than 32 weeks and 6 days for a multiple pregnancy; Cover is only provided under sections 2 and 6 for claims arising from complications of pregnancy and childbirth which are defined as:Toxaemia – toxins in the bloodGestational diabetes – diabetes arising as a result of pregnancyGestational hypertension – high blood pressure arising as a result of pregnancyPre-eclampsia – where you develop high blood pressure, carry abnormal fluid and have protein in your urine during the second half of pregnancyEctopic pregnancy – a pregnancy that develops outside of the uterusMolar pregnancy or Hydatidiform mole – a pregnancy in which a tumour develops from the placental tissuePost-partum haemorrhage – excessive bleeding following childbirthRetained placenta membrane – part or all of the placenta is left behind in the uterus after deliveryPlacental abruption – part or all of the placenta separates from the wall of the uterus Hyperemesis gravidarum – excessive vomiting as a result of pregnancyPlacenta praevia – when the placenta is in the lower part of the uterus and covers part or all of the cervixStillbirth
8
MiscarriageEmergency Caesarean sectionA termination needed for medical reasonsPremature birth more than 8 weeks (or 16 weeks if you know you are having more than one baby) before theexpected delivery date.Please make sure that your doctor and midwife are aware of your travel plans and that you are not travelling against medical advice. Airlines and ferry/shipping companies including cruise liners have their own restrictions due to health and safety requirements.You should check with them or any other mode of transport you propose to take before you book. You are not covered for claims arising from pregnancy, where, at the point of checking in for or boarding your mode of transport, you fail to comply with the carrier’s conveyance of pregnant women policy.
GEOGRAPHICAL LIMITS Geographical Limits – Single TripRegion 1 – Covers trips to, from, and within the United Kingdom.Region 2 – Covers trips by United Kingdom residents to and from Europe, west of the Ural Mountains including the Republic of Ireland and all countries, bordering the Mediterranean Sea, as well as Madeira and The Azores and trips to the Channel Islands by other United Kingdom residents. This region excludes countries mentioned in Region 3.Region 3 – Covers Regions 1, 2 and Spain (including the Balearic Islands), The Canaries, Turkey, Cyprus and Malta.Region 4 – Covers anywhere in the world except USA, Canada, Caribbean, Hong Kong, Singapore, Mexico and China.Region 5 – Covers anywhere in the world including USA, Canada and Caribbean.Region 6 – Covers anywhere in the world except USA, Canada and Caribbean.Region 7 – Covers Australia and New Zealand only.
Annual Multi-TripRegion 8 – Covers trips by United Kingdom residents to and from Europe, west of the Ural Mountains including the Republic of Ireland and all countries bordering the Mediterranean Sea, as well as Madeira and The Azores and trips to the Channel islands by other United Kingdom residents. This region excludes countries mentioned in Region 9.Region 9 – Covers anywhere in the world except USA, Canada and The Caribbean.Region 10 – Covers anywhere in the world including USA, Canada and The Caribbean.
If your outward or return flight to your booked destination requires you to break your journey by stopping over in an area which is not covered by the region on the schedule of cover, your policy automatically covers you to spend 48 hours in the area of the stopover each time you have to stop over on both your outward and return journeys.
Age RestrictionsWinter sports is only available to persons aged 65 years and under (at date of issue).Age Restrictions for Annual Multi Trip InsuranceFor travellers up to the age of 70 years, the maximum trip duration of any one trip is 45 days.For those aged 70 years and over, the maximum trip duration of any one trip is 31 days.Children Travelling IndependentlyChildren under 18 years who travel on their own must be dropped off and picked up at the departure point bya responsible adult aged over 21.
CONDITIONS1) Cover is only available for the whole duration of the booked trip. Cover cannot be effected once a journey has commenced.2) If your money, valuables or any items of personal baggage, are lost or stolen, you must notify the local police within 48 hours of discovery. Please make sure you get a copy of the police report. Failure to comply will result in your claim being turned down.3) No payment will be made under Sections 1, 2, 5, 6, 9,13 and 15 (Loss of green fees) without appropriate medical certification.4) If we require any medical certificates, information, evidence and receipts, these must be obtained by you at your expense.5) In the event of a claim, if we require a medical examination you must agree to this and in the event of death we are entitled to a post-mortem examination both at our expense.6) You must take all reasonable steps to recover any lost or stolen article.7) If any claim is found to be fraudulent in any way this policy will not apply and all claims will be forfeited.
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8) You must not make any payment, admit liability, offer or promise to make any payment without written consent from us.9) We are entitled to take over any rights in the defence or settlement of any claim and to take proceedings in your name for our benefit against any other party.10) We may at any time pay to you our full liability under the policy after which no further payments will be made in any respect.11) The terms of this insurance is based upon the information provided by you to us. The policy contains conditions relating to health of the people travelling. You must take reasonable care to answer all questions put to you, about the health of the people travelling, honestly, accurately and to the best of your knowledge. If you do not understand the meaning of a question put to you or if you do not know the answer it is vital that you tell us. Once cover has been arranged you must immediately notify us of any changes to the information that has previously been provided. Failure to provide full and accurate information before you take out the insurance or when circumstances change could invalidate the cover and may mean any claim will be rejected. If you are declaring on behalf of another person you must ensure you are fully aware of their medical history.12) If at the time of making a claim there is any other policy covering the same risk we are entitled to contact that insurer for a contribution.13) A person or company who is not a party to this policy has no right under the Contracts (Rights of Third Parties) Act 1999 to enforce any term of this policy but this does not affect any right or remedy of a third party which exists or is available apart from that Act.14) You are required to take all reasonable care to protect yourself and your property and to act as though you are not insured.
DEFINITIONSWherever the following words and phrases appear in this policy they will always have these meanings:
Business equipment – Items used by you in support of your business activity including office equipment which is portable by design including, but not limited to; personal computers, telephones and calculatorsBusiness trip – A trip taken wholly or in part for business purposes but excluding manual workCivil Unrest - Activities inclusive of organised protests, riots, arson, looting, occupation of institutional buildings, border infringements and armed insurrection (excluding where civil war has been declared).Close Business Associate – Any person whose absence from business for one or more complete days at the same time as your absence prevents the effective continuation of that business.Couple - You and your close relative who lives with you in a domestic relationship at the same address as you.Cruise - A trip involving a sea voyage of more than five days total duration, where transportation and accommodation is primarily on an ocean going passenger ship.Curtail/Curtailment – Return early to home in the United Kingdom.Family cover - Up to two adults and any number of their children, step children or foster children aged under 18, accompanying the parents or legal guardian insured on the same policy travelling on any trip to the same destination. The children are only insured when travelling with one or both of the insured adults, (or accompanied by another responsible adult).Golf Equipment – golf clubs, golf balls, golf bag, golf trolley and golf shoes. Home – Your residential address in the United Kingdom.Home Country – is the United Kingdom.Immediate Relative - Mother, father, sister, brother, wife, husband, partner (same or different sex), son, daughter (including fostered/adopted son or daughter), grandparent, grandchild, parent-in-law, son-in-law, daughter-in-law, sister-in-law, brother-in-law, aunt, uncle, cousin, nephew, niece, step-parent, step-child, step-brother, step-sister, or legal guardian.Loss of Limb – Physical, permanent and total loss of use at or above the wrist or ankle. Loss of Sight – The complete and permanent loss of sight in at least one eye.Medical Practitioner – A registered practising member of the medical profession who is not related to you or to any person you are travelling with, or intending to stay with.Money – Cash, postal and money orders, travel tickets, lift passes (in respect of winter sports trips where the appropriate premium has been paid), passports, petrol coupons and green cards held by you for social, domestic and pleasure purposes.Mobility Aids – Wheelchair, motorised wheelchair, walking frame, walking stick or crutches.Natural Disasters - An extraordinary natural phenomenon such as tsunamis, earthquakes, landslides, volcanic eruptions (including volcanic ash clouds), atypical cyclonic storms, falling objects from space (including meteorites), and in general any extraordinary atmospheric, meteorological, seismic or geological phenomenon.Package - The pre-arranged combination of at least two of the following components when sold or offered for sale at an inclusive price and when the service covers a period of more than 24 hours or includes overnight accommodation:a) transport
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b) accommodationc) other tourist services not ancillary to transport or accommodation (such as car hire or airport parking) and accounting for a significant proportion of the package as more fully described under The Package Travel, Package Holidays and Package Tour Regulations 1992.Personal Accident – Accidental bodily injury caused solely and directly by outward violent and visible means. Personal Baggage – Your suitcases (or similar luggage carriers) and their contents usually taken on a trip, together with articles worn or carried by you for your individual use during your trip.Permanent Total Disablement – Disablement as a result of which you are unable to carry on or perform any business or occupation, and which, having lasted for a period of 12 months is, at the end of that period beyond hope of improvement. Pre-existing medical condition – any disease, illness or injury which:• you have received medication, advice or treatment; or• you have experienced symptoms whether the condition has been diagnosed or not.Pre-paid charges - Charges you have paid before you travel, or are contracted to pay, for car hire, car parking, airport accommodation, airport lounge access, kennel and cattery fees, excursions, (where cover under Section 13 - Ski pack is operative) ski school fees, lift passes and hired ski equipment and (where cover under Section 15 - Golf cover is operative) green fees and (where cover is operative ) Section 20 Wedding cover.Preventative Medication – Any medication prescribed or otherwise which is taken purely to prevent an illness ormedical condition occurring. Examples may include, beta blockers to prevent Migraine Headaches, Blood thinning drugs to prevent blood clots on long haul flights (where no previously diagnosed related medical condition has existed). Statin drugs where high cholesterol has NOT been previously diagnosed, Birth Pill, HRT, etc.Psychiatric Condition – A mental or addictive condition, including, but not limited to alcoholism, drug addiction or eating disorder.Public Transport – Any fare paying passenger on the following regular scheduled forms of transport: Train, Coach, Taxi, Bus, Aircraft and Sea Vessel.Redundancy – Any person declared redundant, who is under 65 years and under the normal retiring age for someone holding that person’s position, and who has been employed for two continuous years with the same employer at the time of being made redundant.Ski Equipment – Skis (including bindings), ski boots, ski poles and snowboards. Ski Pack – Pre-booked lift passes, hired skis and boots and ski school fees.Unattended – where you are not in full view of or in a position to prevent unauthorised taking of your property unless it is in a locked room, safe, in a locked boot of a locked vehicle or in the luggage space at the back of a locked estate car or locked hatchback under a top cover and out of view.United Kingdom – England, Scotland, Wales, Northern Ireland, the Scilly Isles, the Isle of Man and Channel Islands. United Kingdom resident - You must have resided in the UK for no less than 6 months, have a permanent UK address and be registered with a UK General practitioner. Valuables – Watches, furs, leather goods, animal skins, silks, jewellery, items made of or containing precious stones, semi precious stones, gold, silver or platinum, photographic, audio, video and electrical equipment of any kind, camcorders and accessories, all photographic/digital/optical/audio and video media, iPods, MP3 players and/or accessories, telescopes and binoculars. We/Us/Our – MAPFRE Asistencia Compañía Internacional de Seguros y Reaseguros, Sociedad Anonima. 5th Floor, Alpha House, 24a Lime Street, London EC3M 7HS. Trading under the name MAPFRE Assistance.You/Your – Each Insured Person.
RECIPROCAL HEALTH AGREEMENTSIf you are a United Kingdom resident you are entitled to medical treatment, which becomes necessary when temporarily visiting countries in the European Union (EU) Iceland, Liechtenstein, Norway or Switzerland free of charge or at a reduced cost by using the European Health Insurance Card (EHIC).You can apply for an EHIC for your spouse/partner and any children up to the age of 16 (19 if they are in full time education) at the same time as applying for your own. Application forms are available via www.ehic.org.uk
You will need to have the following information for everyone you are applying for:• Name and date of birth• NHS or National Insurance (NI) numberIf you use the EHIC the exclusion of the excess as shown in the Summary of Cover for each and every claim under Section 6 – Medical Emergency Expenses will not apply.Also, if you are travelling to Australasia there are reciprocal medical treatment arrangements for United Kingdom nationals. In-patient and out-patient public hospital treatment is given free of charge or at a minimal cost. Should you be admitted to hospital then immediate contact must be made with MAPFRE Assistance and their authority obtained in respect of any treatment not available under the reciprocal arrangements before such
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treatment is provided.
SECTION 1 – CANCELLATION
YOU ARE COVEREDUp to the amount shown in the Summary of Cover on page 3 if your travel and accommodation arrangements, excursions, tours and activities are cancelled before your departure from your Home Country if this is your usual country of residence (including ski hire, ski school and lift passes for winter sports trips where the appropriate premium has been paid), which have not been used and which you have paid for or contracted to pay for, providing the cancellation is necessary and unavoidable (and is not a result of mere disinclination to commence your trip as arranged) due to:1) the death or disablement by bodily injury, illness, pregnancy or being subject to quarantine of (a) you, (b) any person you are intending to travel or stay with, (c) an immediate relative of yours or of any person you are intending to travel with or (d) a close business associate of yours;2) you being called for jury service or as a witness (but not as an expert witness or where your employment would normally require you to attend court) in a Court of Law;3) your redundancy or the redundancy of any person you are intending to travel with, provided that we are informed in writing immediately notification of redundancy is received and that you were not aware of any impending redundancy at the time this policy was issued;4) your home being made uninhabitable or place of business being made unusable, up to 14 days before the commencement of your trip, due to fire, lightning, explosion, earthquake, subsidence, storm, flood, falling trees, riot or civil commotion, malicious damage, burst pipes, impact by aircraft, the police requesting your presence following burglary or attempted burglary at your home or place of business;5) your passport, or the passport of any person you are intending to travel with being stolen during the seven days before your departure date;6) your carer (who is insured on this policy) having to cancel their journey with you due to one of the reasons stated above. If you wish to continue your journey, we will pay up to £1,000 in total for the costs of extra accommodation and transport to replace your original carer;7) you, an immediate relative of yours or any person you are travelling with, is a member of the Armed Forces, emergency services or administrative government employees and are ordered to return to duty.
YOU ARE NOT COVERED FOR1) the excess as shown in the Summary of Cover on page 3. The excess will apply for each and every incident per each insured person involved in the incident;2) claims where a medical certificate has not been obtained from a medical practitioner, confirming that cancellation of the trip is medically necessary;3) claims arising from pregnancy, where, at the point of checking in for or boarding your flight, you fail to comply with the airline’s conveyance of pregnant women policy;4) anything caused directly or indirectly by:a) any increased charges which may arise due to failure to notify your travel agent or tour operator immediately it is found necessary to cancel;b) prohibitive regulations by the Government of any country;5) claims where a theft of passport has not been reported to the necessary authorities, including but not limited to, the Police and UK Passport Service (UKPS);6) claims for air passenger duty (which can be reclaimed by you through your travel agent or airline);7) you undertaking a trip if at the start of your trip, during your trip or on your return date, you are more than 36 weeks and 6 days pregnant for a single pregnancy, or more than 32 weeks and 6 days for a multiple pregnancy;8) anything mentioned in the General Exclusions.
SECTION 2 – CURTAILMENT
Curtailment is only applicable if you return to your Home Country earlier than planned.This section includes the services of MAPFRE Assistance Emergency Service (details shown on page 6) who must be contacted immediately in the event of a serious injury, illness or hospitalisation, where repatriation has to be considered.
YOU ARE COVEREDUp to the amount shown in the Summary of Cover on page 3 for:1) The value of the portion of your travel and/or accommodation arrangements which have not been used and which were paid for before your departure from your Home Country (including ski hire, ski school and lift passes, which do not have to be paid for before your departure from your Home Country, in respect
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of winter sports trips where the appropriate premium has been paid), if you, and where appropriate a companion covered by this policy, have to curtail your trip and return to your home earlier than planned due to:a) the death, severe injury or serious illness of:i) you or any person you are travelling with;ii) an immediate relative of yours resident in your Home Country;iii) a close business associate of yours resident in your Home Country.b) your home being made uninhabitable or place of business being made unusable due to fire, lightning, explosion, earthquake, subsidence, storm, flood, falling trees, riot or civil commotion, malicious damage, burst pipes, impact by aircraft, the police requesting your presence following burglary or attempted burglary at your home or place of business;c) you being unable to continue your trip, as detailed in your travel itinerary, due to loss or theft of your passport, or that of any person you are travelling with;These proportionate value of costs will be calculated from the date of return to your Home Country:2) Reasonable additional travelling expenses incurred by you for returning to your Home Country (Economy Class) earlier than planned for a reason stated in benefit 1 of this section;3) your carer (who is insured on this policy) having to curtail their journey with you due to one of the reasons stated above. If you wish to continue your journey, we will pay up to £1,000 in total for the costs of extra accommodation and transport to replace your original carer;4) you, an immediate relative of yours or any person you are travelling with, is a member of the Armed Forces, emergency services or administrative government employees and are ordered to return to duty.
YOU ARE NOT COVERED FOR1) the excess as shown in the Summary of Cover on page 3. The excess will apply for each and every incident per each insured person involved in the incident;2) claims that are not confirmed as medically necessary by the MAPFRE Assistance Emergency Service and where a medical certificate has not been obtained from the attending medical practitioner abroad confirming it necessary to curtail the trip;3) additional travelling expenses incurred which are not authorised either by us or MAPFRE Assistance Emergency Service, as detailed on page 6;4) claims where a theft of passport has not been reported to the necessary authorities, and a written report obtained;5) you undertaking a trip if at the start of your trip, during your trip or on your return date, you are more than 36 weeks and 6 days pregnant for a single pregnancy, or more than 32 weeks and 6 days for a multiple pregnancy;6) anything mentioned in the General Exclusions.
NOTE – MAPFRE Assistance only assists early return home for medical reasons, not for the other reasons listed under this section of the policy. Curtailment is only applicable if you return to your Home Country earlier than planned.
SECTION 3 – MISSED DEPARTURE
This section of cover is only applicable if you have chosen the Standard or Premier level of cover. This section does not apply to trips within your Home Country (except for trips to the Channel Islands).
YOU ARE COVEREDUp to the amount shown in the Summary of Cover 3 for necessary hotel and travelling expenses incurred in reaching your booked destination, if the car you are travelling in breaks down or is involved in an accident or you being delayed as a result of a major accident on a motorway or the public transport being used is delayed, resulting in you arriving too late to commence your booked journey from or to your Home Country.
YOU ARE NOT COVERED1) if sufficient time has not been allowed for your journey in order to meet the check-in time specified by the transport providers or agent;2) if you are not proceeding directly to the departure point;3) unless you get a letter from the public transport provider confirming that the service did not run on time;4) unless you obtain confirmation from the police or motoring authorities (e.g. Highways Agency) to confirm a major accident on a motorway causing delays or closure on the motorway;5) for any delay caused by a riot, civil commotion, strike or industrial action which began or was announced before the start date of your policy and the date your travel tickets or confirmation of booking were issued;6) for anything mentioned in the General Exclusions.
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SECTION 4 – TRAVEL DELAY & ABANDONMENT
This section of cover is only applicable if you have chosen the Standard or Premier level of cover. This section only applies for delays at your final international departure point to or from your Home Country.
YOU ARE COVERED1) For the amounts shown in the Summary of Cover on page 3 for the first full 12 hours delay and for each subsequent full 12 hours delay up to the total shown (regardless of the number of incidents of delay) or2) up to the amount shown in the Summary of Cover for your travel and your accommodation which has not been used and which you have paid for or contracted to pay for if you abandon the trip (on the outward journey only) after the first full 12 hoursif your outward or return flights, sea crossing, coach or train departure to or from your Home Country are delayed for more than 12 hours beyond the intended departure time (as specified on your travel ticket) as a result of:a) strike or industrial action (provided that when this policy was taken out, there was no reasonable expectation that the trip would be affected by such cause);b) adverse weather conditions if the underlying and continuing cause;c) mechanical breakdown or technical fault of the aircraft, coach, train or sea vessel.
YOU ARE NOT COVERED1) for the excess as shown in the Summary of Cover on page 3. The excess will apply for each and every incident per each insured person involved in the incident (this is only applicable if you abandon the trip);2) if you do not check-in for the flights, sea crossing, coach or train departure before the intended departure time;3) if you do not obtain written confirmation from the airline, shipping, coach or train company stating the period and the reason for the delay;4) for any claims arising from withdrawal from service temporarily or otherwise of the aircraft, coach, train or sea vessel on the orders or recommendation of the Civil Aviation Authority or a Port Authority or similar body in any Country;5) for any claims arising from volcanic ash;6) for anything mentioned in the General Exclusions.
SECTION 5 – PERSONAL ACCIDENT
This section of cover is only applicable if you have chosen the Standard or Premier level of cover. YOU ARE COVERED FORThe amount shown in the Summary of Cover on page 3, which will be paid to you or your legal personal representative, if you have a personal accident during your trip which, at the end of 12 months after the date of that accident, is the sole cause of your consequent death or disability:1) Death2) Loss of limb, total and permanent loss of sight in one or both eyes or permanent total disablementNOTE – If you are aged under 16 or over 75 at the time of the accident the death benefit will be limited to funeral and other expenses up to £1,500 and the permanent total disablement benefit will not apply.
YOU ARE NOT COVERED FORAny claims for death, loss or disablement caused directly or indirectly by:1) your sickness, disease, physical or mental condition that is gradually getting worse;2) an injury which existed prior to the commencement of the trip;3) pregnancy;4) any claims under this section not notified to us within 12 months of the date of the accident;5) anything mentioned in the General Exclusions.
SECTION 6 – MEDICAL EMERGENCY EXPENSES (not private health insurance)
This section applies to:a) trips outside the United Kingdom;b) if you are a Channel Islands resident visiting other parts of the United Kingdom; c) if you are visiting the Channel Islands from other parts of the United Kingdom; Cover does not apply otherwise to trips within the United Kingdom.Before a claim for emergency expenses can be submitted under this section, you must havecontacted the MAPFFRE Assistance as soon as you are hospitalised. Please refer to page 6. If you are taken into hospital or you think that you may have to come home early (be repatriated) or extend yourjourney because of illness or accident, the emergency assistance company must be told immediately.If during your trip you become ill or are injured:
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YOU ARE COVEREDUp to the amount shown in the Summary of Cover on page 3 for costs incurred outside your Home Country:1) for emergency medical and surgical treatment. Claims for emergency dental treatment (for the relief of pain only) shall be limited to £200;2) for reasonable and necessary additional accommodation (room only) and travelling expenses (economy class), including those of one relative or friend if you have to be accompanied home on medical advice or if you are a child and require an escort home;3) loss of medication shall be limited to £300;4) in the event of death:a) for conveyance of the body or ashes to your Home Country (the cost of burial or cremation is not included) or;b) local funeral expenses abroad limited to £1,500;5) for reasonable cattery or kennel costs you have to pay if for medical reasons you cannot return home as planned6) for a medical inconvenience benefit up to the amount shown in the Summary of Cover for each 24 hour period that you are in hospital as an in-patient during the journey. (This benefit is not applicable if you have chosen the Value level of cover) NOTE – All receipts must be retained and produced in the event of a claim. Your claim may be rejected if receipts are not produced.If you become ill or are injured we have the right to bring you back home, if the MAPFRE Assistance Emergency Service doctor in consultation with the treating doctor agree that you can safely travel home. If you refuse to return home, we have the right to stop cover.
YOU ARE NOT COVERED1) for the excess as shown in the Summary of Cover on page 3. The excess will apply for each and every incident per each insured person involved in the incident;2) for any sums which can be recovered by you and which are covered under any National Insurance Scheme or Reciprocal Health Arrangement;3) for any expenses incurred for illness, injury or treatment required as a result of:a) surgery or medical treatment which in the opinion of the attending doctor and the MAPFRE Assistance Emergency Service doctor can be reasonably delayed until your return to your Home Country;b) medication and/or treatment which at the time of departure is known to be required or to be continued outside your Home Country;4) for preventative treatment which can be delayed until your return to your Home Country;5) if you have not obtained a written certificate of fitness and ability to travel and endure the trip where you are undergoing medical treatment as a hospital out-patient at the time of paying the final balance of your trip;6) for claims that are not confirmed as medically necessary by the attending doctor or MAPFRE Assistance;7) for the cost of any elective (non-emergency) treatment or surgery, including exploratory tests, which are not directly related to the illness or injury which necessitated your admittance into hospital;8) for any additional hospital costs arising from single or private room accommodation unless medically necessary;9) for treatment or services provided by a health spa, convalescent or nursing home or any rehabilitation centre;10) for expenses incurred as a result of a tropical disease where you have not had the recommended inoculations and/or taken the recommended medication;11) for taxi fares not considered medically necessary, and where receipts have not been provided;12) for the costs of telephone calls other than the first call to tell us about the medical problem;13) for costs that arise over 12 months after a claim was first notified;14) if at the start of your trip, during your trip or on your return date, you are more than 36 weeks and 6 days pregnant for a single pregnancy, or more than 32 weeks and 6 days for a multiple pregnancy;15) anything mentioned in the General Exclusions.
SECTION 7 – PERSONAL PROPERTY
This section of cover is only applicable if you have chosen the Standard or Premier level of cover and this is shown on your policy schedule.
YOU ARE COVERED1) PERSONAL BAGGAGE
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Up to the amount shown in the Summary of Cover on page 4 for the value or repair of any of your own personal baggage (not hired, loaned or entrusted to you except mobility aids, hired, loaned or entrusted to you by the NHS or similar body), which is lost, stolen, damaged or destroyed (after making proper allowance for wear and tear and depreciation). The maximum we will pay for the following items is shown in the Summary of Cover on page 4.
• all valuables in total,• any one article, pair and/or set of articles (except mobility aids), prescription spectacles• replacement keys (house and/or car only),• mobility aids, including the necessary costs to hire other mobility aids.NOTE – In the event of a claim for a pair or set of articles we shall be liable only for the value of that part of the pair or set which is lost, stolen, damaged or destroyed.
2) DELAYED BAGGAGEUp to the amount shown in the Summary of Cover on page 4 towards the cost of buying replacement necessities if your own personal baggage is delayed in reaching you on your outward journey for at least 12 hours and you have a written report from the carrier (i.e. airline, shipping company etc) or tour representative. Receipts will be necessary in the event of a claim.NOTE – Any amount we pay you under 2 (Delayed Baggage) will be refunded to us if your personal baggage proves to be permanently lost.3) PERSONAL MONEYUp to the amount shown in the Summary of Cover on page 4 if your own money is lost or stolen whilst being carried on your person or left in a locked safety deposit box.4) Property ClaimsThese are settled on an indemnity basis – not on a “new for old” or replacement cost basis, unless otherwise stated in the policy.
NOTE – If you are aged under 16, claims under Personal Money are limited to the amount shown in the Summary of Cover on page 4.
YOU ARE NOT COVERED1) for the excess as shown in the Summary of Cover on page 4. The excess will apply for each and every incident per each insured person involved in the incident (not applicable to 2, Delayed Baggage);2) if you do not exercise reasonable care for the safety and supervision of your property;3) for loss, destruction, damage or theft of personal baggage, valuables, mobility aids or money left unattended in a public place, or a place to which members of the general public have access.4) if, in the event of loss, burglary, or theft of Personal Baggage, Valuables or Money, you do not report this to the police within 48 hours, and do not obtain a written police report;5) if your personal baggage is lost, damaged or delayed in transit, if you do not:a) notify the carrier (i.e. airline, shipping company, etc) immediately and obtain a written carriers report (or Property Irregularity Report in the case of an airline) or,b) follow up in writing within 7 days to obtain a written carriers report (or Property Irregularity Report in the case of an airline), if you are unable to obtain one immediately.6) for loss, destruction, damage or theft:a) from confiscation or detention by customs or other officials or authorities;b) of contact lenses, dentures, hearing aids, samples or merchandise, bonds, coupons, securities, stamps or documents of any kind, vehicles or vehicle accessories (other than wheelchairs and pushchairs only), tents, antiques, musical instruments, pictures, typewriters, mobile phones and accessories, computers/games consoles (including handheld consoles) and/or accessories, televisions, sports gear whilst in use (other than ski equipment for winter sports trips where the appropriate premium has been paid), pedal cycles, dinghies, boats and/or ancillary equipment, glass or china, alcohol, cigarettes or any other tobacco products, satellite navigation systems (GPS) and or/accessories, Personal Digital Assistants (PDA’s and/or accessories);c) due to wear and tear, denting or scratching, moth or vermin;d) of valuables left as checked-in baggage.7) for mechanical breakdown, derangement or for breakage of fragile or brittle articles being transported by a carrier, unless the breakage is due to fire or other accident to the vessel, aircraft or vehicle they are being carried in,8) for valuables stolen from an unattended vehicle.9) for personal baggage stolen from:a) an unattended vehicle, unless it was in the locked glove compartment, or rear boot or luggage area of the vehicle and is covered so as not to be visible from outside the vehicle, and there is evidence of forcible and violent entry or,b) an unattended vehicle (other than motor caravans) left for any period between the hours of 9pm and 9am;10) for any shortages due to error, omission or depreciation in value;
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11) for any property more specifically insured or recoverable under any other source;12) for the cost of replacement locks;13) for anything mentioned in the General Exclusions.
SECTION 8 – PERSONAL PUBLIC LIABILITY
This section of cover is only applicable if you have chosen the Standard or Premier level of cover.
YOU ARE COVEREDUp to the total amount shown in the Summary of Cover on page 4 for your legal expenses and legal liability for damages which were caused by an accident that happened during the trip, and leads to a claim made against you for:1) accidental bodily injury to a person who is not a member of your family, household or employed by you;2) loss of or damage to any property which does not belong to, is not in the charge or control of you, or any member of your family, household or employee;3) damage to your temporary holiday accommodation that does not belong to you, or any member of your family, household or employee.
YOU ARE NOT COVERED FOR1) fines imposed by a Court of Law or other relevant bodies;2) anything caused directly or indirectly by:a) liability which you are responsible for, because of an agreement that was made; b) injury, loss or damage arising from:i) ownership or use of aircraft, horse-drawn or mechanical/motorised vehicles, bicycles, vessels (other than rowing boats, punts or canoes), animals (other than horses, domestic dogs or cats), or firearms (other than guns being used for sport);ii) the occupation (except temporarily for the purpose of the trip) or ownership of any land or buildings;iii) the carrying out of any trade or profession; iv) racing of any kind;v) any deliberate act;c) liability covered under any other insurance policy;3) anything mentioned in the General Exclusions.NOTE – If you are using a mechanical/motorised vehicle, make sure that you are adequately insured for third party cover, as you are not covered under this insurance.
SECTION 9 – HOME HELP OR NANNY
This section of cover is only applicable if you have chosen the Standard or Premier level of cover.
YOU ARE COVERED FORUp to the amount shown in the Summary of Cover on page 4 in total for the cost of home help services or a registered nanny in your Home Country, if you get written advice from a doctor that you have to go into hospital or stay in bed immediately after being repatriated during your journey.
YOU ARE NOT COVERED FOR1) any claim:a) which does not directly relate to the accident or illness, that happened during your journey; b) which the emergency assistance company has not authorised;c) where you needed home help or a registered nanny before you began your journey.2) anything mentioned in the General Exclusions.
SECTION 10 – FINANCIAL FAILURE INSURANCE
This section of cover is only applicable if you have chosen the Premier level of cover.
YOU ARE COVEREDUp to the amount shown in the Summary of Cover on page 4 for each Person-Insured named on the Invoice for:1) Irrecoverable sums paid in advance in the event of insolvency of the Travel or Accommodation provider not forming part of an inclusive holiday prior to departure, or2) In the event of insolvency after departure:
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a) additional pro rata costs incurred by the Person-Insured in replacing that part of the travel arrangements to a similar standard to that originally booked, orb) if curtailment of the holiday is unavoidable – the cost of return transportation to the United Kingdom, Channel Islands, Isle of Man or Ireland to a similar standard to that originally booked.
YOU ARE NOT COVERED1) for travel or accommodation not booked within the United Kingdom, Channel Islands, Isle of Man or Ireland prior to departure;2) for the financial failure of;a) any travel or accommodation provider in Chapter 11 or any threat of insolvency being known at the date of issue of the policy schedule;b) any travel or accommodation provider who is bonded or insured elsewhere (even if the bond is insufficient to meet the claim);c) any travel agent, tour organiser, booking agent or consolidator with whom the insured has booked travel or accommodation.3) for any loss for which a third party is liable or which can be recovered by other legal means.
SECTION 11 – LEGAL COSTS AND EXPENSES
This section of cover is only applicable if you have chosen the Standard or Premier level of cover.
YOU ARE COVEREDIf you die or are injured as a result of an accident which occurs during your trip during the period of insurance, and you or your legal representative take legal action to get compensation, we will do the following in an attempt to get compensation for the death or injury:1) provide up to the amount shown in the Summary of Cover for each insured person (but not more than £50,000 in total for all insured persons) for any fees and other disbursements reasonably incurred by your legal representatives in connection with any claim or legal proceedings, including costs and expenses of expert witnesses and costs incurred by us;2) any costs payable by you following an award of costs by any court or tribunal and any costs payable following an out of court settlement made in connection with any claim or legal proceedings;3) any fees, expenses and other disbursements reasonably incurred in appealing or resisting an appeal against the judgement of a court, tribunal or arbitrator;4) provide up to £1,000 for each insured person, for travel costs that have to be paid to go to a foreign court in connection with any legal action under 1) above;5) if no compensation is received either as a result of the claim being abandoned or failing, then subject to the limits of cover stated in the policy and policy schedule we will pay the costs incurred;6) if compensation is recovered for you then the usual costs rules of the relevant jurisdiction will apply. In some jurisdictions you will recover your costs, in others you will not. Any costs not recovered must first be met from the compensation. If the value of the costs not recovered exceeds the compensation then we will pay the balance of costs after the application of the compensation, subject to the limits of the cover in the policy and policy schedule.
YOU ARE NOT COVERED FOR1) legal costs and expenses incurred in pursuit of any claim against a travel agent, tour operator, carrier, MAPFRE Assistance or their agents, someone you were travelling with or another insured person;2) legal costs and expenses incurred prior to the granting of support by us in writing;3) any claims notified to us more than 180 days after the date of the incident giving rise to such claim;4) any claim where the legal costs and expenses are likely to be greater than the anticipated amount of compensation;5) any claim where you are insured for legal costs and expenses under any other insurance policy;6) any claim where legal costs and expenses are based directly or indirectly on the amount of compensation award (Contingency Fee Agreement);7) legal costs and expenses incurred if an action is brought in more than one country;8) any claim where in our opinion there is insufficient prospect of success in obtaining a reasonable benefit;9) anything detailed in the General Exclusions.Conditions1) We shall have complete control over the legal proceedings and the appointment and control of a lawyer. We shall appoint a lawyer on your behalf with the expertise necessary to pursue your claim.2) You must follow the lawyer’s advice and provide any information and assistance required. Failure to do so will entitle us to withdraw cover.3) We must have access to any and all of the lawyer’s file of papers.4) We may include a claim for our legal costs and expenses.
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2) if you do not exercise reasonable care for the safety and supervision of your own or your hired ski equipment;3) if, in the event of loss, burglary, or theft of your own or your hired ski equipment, you do not report this to the police within 48 hours, and do not obtain a written police report;4) if your own or your hired ski equipment is lost, damaged or delayed in transit, if you do not:a) notify the carrier (i.e. airline, shipping company etc.) immediately and obtain a written carriers report (or Property Irregularity Report in the case of an airline) or,b) follow up in writing within 7 days to obtain a written Carrier’s Report (or Property Irregularity Report in the case of an airline), if you are unable to obtain one immediately;5) for loss, destruction, damage or theft from confiscation or detention by customs or other officials or authorities;6) for your own or your hired ski equipment stolen from:a) an unattended vehicle unless it was in the rear boot or luggage area of the vehicle and is covered so as not to be visible from outside the vehicle, or items stored on a roof rack (unless the vehicle is parked within sight of you), and there is evidence of forcible and violent entry;b) an unattended vehicle (other than motor caravans) left for any period between the hours of 9pm and 9am.7) for anything mentioned in the General Exclusions.
SECTION 13 – SKI PACK
This section of cover is only applicable if you have paid the appropriate Winter Sports premium and this is shown on your policy schedule.
YOU ARE COVEREDUp to the amount shown in the Summary of Cover on page 4 for the unused portion of your ski pack costs paid for or contracted to be paid for before your trip commenced, where you do not curtail the trip, but are certified by a medical practitioner in the resort as being unable to ski and unable to use the ski pack facilities because of serious injury or illness occurring during the trip and where there is confirmation that no refund is available for the unused items.
SECTION 12 – SKI EQUIPMENT
This section of cover is only applicable if you have paid the appropriate Winter Sports premium and this is shown on your policy schedule.
YOU ARE COVERED1) SKI EQUIPMENTUp to the amount shown in the Summary of Cover on page 4 for the value or repair of your own ski equipment (after making proper allowance for wear and tear and depreciation) or hired ski equipment, if they are lost, stolen or damaged during your trip.
Please note: Claims for owned ski equipment will only be calculated as follows:
Up to 12 months old 85% of purchase price
Up to 24 months old 65% of purchase price
Up to 36 months old 45% of purchase price
Up to 48 months old 30% of purchase price
Up to 60 months old 20% of purchase price
Over 60 months old 0% 2) SKI HIREFor the amount shown in the Summary of Cover on page 4 for the reasonable cost of hiring replacement ski equipment as a result of the accidental loss, theft or damage of your own ski equipment during the period of Insurance.3) DELAYED SKI EQUIPMENTUp to the amount shown in the Summary of Cover on page 4 towards the cost of hiring replacement ski equipment necessities, if your own ski equipment is delayed in reaching you on your outward journey for at least 12 hours and you have a written report from the carrier (i.e. airline, shipping company etc.) or tour representative. Receipts will be necessary in the event of a claim.
YOU ARE NOT COVERED1) for the excess as shown in the Summary of Cover on page 4. The excess will apply for each trip that you have booked, each and every incident and for each insured person (not applicable to 2 and 3 above);
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YOU ARE NOT COVERED1) for the excess as shown in the Summary of Cover on page 4. The excess will apply for each and every incident per each insured person involved in the incident;2) for claims that are not confirmed as medically necessary by MAPFRE Assistance and where a medical certificate has not been obtained from the attending medical practitioner abroad confirming that you are unable to ski and unable to use the ski pack facilities;3) for anything mentioned under YOU ARE NOT COVERED of Section 6 – Medical Emergency Expenses;4) for anything mentioned under the General Exclusions
SECTION 14 – PISTE CLOSURE
This section of cover is only applicable if you have paid the appropriate Winter Sports premium and this is shown on your policy schedule.
Cover is only available under this Section between 1st December to 30th April in the Northern Hemisphere, and between the 1st April and 31st October in the Southern Hemisphere.If there is a lack of snow in your resort and it closes, which prevent you from skiing.
YOU ARE COVERED1) for the amount shown in the Summary of Cover on page 4 towards the costs you have to pay to travel to another resort or2) for the amount shown in the Summary of Cover for each full day you are unable to ski, if your resort stays closed and there is no other resort available,for as long as these conditions exist at the resort, but not exceeding the pre-booked period of insurance of your trip.
YOU ARE NOT COVERED1) for claims where you have not obtained confirmation of resort closure from the local representative;2) for claims where not all skiing facilities are totally closed;3) for claims where the lack of snow conditions are known or are public knowledge at the time of effecting this insurance;4) for anything mentioned in the General Exclusions.
SECTION 15 - GOLF COVER
This section of cover is only applicable if you have paid the appropriate Golf cover premium and this is shown on your policy schedule. This extension to the policy provides the following amendments to the insurance, specifically for any golfing trips taken by you:
LOSS OF GREEN FEES
YOU ARE COVEREDIn addition to the cover provided under Section 1 – Cancellation or Section 2 - Curtailment, we will pay you up to £75 per day, up to a maximum of £300 for any irrecoverable unused green fees which you have paid or are contracted to pay if; a) cancellation of the trip is necessary and unavoidable or b) the trip is curtailed before completion as a result of any of the events detailed under You are covered in Section 1 – Cancellation or Section 2 – Curtailment.
GOLF EQUIPMENT COVER
YOU ARE COVEREDIn addition to the cover provided under Section 7 – Personal property, we will pay you up to the amounts shown below:1. £1,000 for the accidental loss of, theft of or damage to golf equipment. The amount payable will be the value at today’s prices, less a deduction for wear tear and depreciation (loss of value), or we may replace, reinstate or repair the lost or damaged golf equipment.2. £300 for the emergency replacement of golf equipment if your golf equipment is temporarily lost in transit during the outward journey and not returned to you within 12 hours, as long as we receive written confirmation from the carrier, confirming the number of hours the golf equipment was delayed. If the loss is permanent, we will deduct the amount already paid from the final amount to be paid under this section. 3. £25 per day, up to a maximum of £200 for the reasonable cost of hiring replacement golf equipment as a result of the accidental loss of, theft of or damage to, or temporary loss in transit during the outward journey for more than 24 hours of your own golf equipment, as long as we receive written confirmation
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from the carrier, confirming the number of hours the golf equipment was delayed.
LIABILITY FOR GOLF BUGGIES WHILST IN USE
YOU ARE COVEREDIn addition to the cover provided under Section 8 – Personal public liability, we will pay you and each insured person up to £2,000,000 (including legal costs and expenses) against any amount you become legally liable to pay as compensation for any claim or series of claims arising from any one event or source of original cause for accidental:1. Bodily injury, death, illness or disease to any person who is not in your employment or who is not a close relative or member of your household2. Loss of or damage to property that does not belong to and is neither in the charge of or under the control of you, a close relative, anyone in your employment or any member of your household arising from your ownership, possession or use of a golf buggy.
YOU ARE NOT COVERED FOR:1. The policy excess on each and every claim, per incident claimed for, under You are covered subsection 1. in the Golf equipment cover above by each insured person.2. Any claims arising directly or indirectly from:a) Redundancy caused by or resulting from misconduct, leading to dismissal or from resignation or voluntary redundancy or where you received a warning or notification of redundancy before you purchased this insurance or at the time of booking any trip b) Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip.3. Loss, theft of or damage to golf equipment contained in an unattended vehicle:a) overnight between 9 pm and 9 am (local time) or b) at any time between 9 am and 9 pm (local time) unless:i) it is locked out of sight in a secure baggage area and ii) forcible and violent means have been used by an unauthorised person to gain entry into the vehicle and evidence of such entry is available.4. Loss or damage due to delay, confiscation or detention by customs or any other authority.5. Loss or damage caused by wear and tear, depreciation (loss in value), atmospheric or climatic conditions, moth, vermin, any process of cleaning repairing or restoring, mechanical or electrical breakdown.6. Anything mentioned in the General exclusions.
SECTION 16 – HOLE IN ONE
This section of cover is only applicable if you have paid the appropriate Golf cover premium and this is shown on your policy schedule.
YOU ARE COVEREDFor the amount shown in the Summary of Cover on page 5 if you complete a hole in one stroke gross (i.e. exclusive of handicap) during any organised game on any golf course. NOTE – this benefit will only be payable once in any game.
YOU ARE NOT COVERED1) if you do not produce written confirmation from the secretary of the club, stating that the hole in one has been performed to the satisfaction of the club, together with the original score card fully completed and duly signed;2) for anything mentioned under the General Exclusions.
SECTION 17 - CRUISE COVER
This section of cover is only applicable if you have chosen the Premier level of cover, paid the appropriate additional premium and this is shown on your policy schedule.
This extension to the policy provides the following amendments to the insurance, specifically for any cruise taken by you.
YOU ARE COVERED 1. Under Section 7 – Personal property:
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a) the personal baggage limit is increased to £2,500b) the maximum the we will pay for any article, pair or set of articles is increased to £750c) the total for all valuables is increased to £500.
2. We will pay you £25 for each scheduled pre-paid shore trip missed, as a result of the ship on which you are travelling being unable to dock at the scheduled destination.
3. We will pay you £15 for every complete 24 hours you are confined to your cabin due to your compulsory quarantine or on the orders of the ship’s doctor or another medical practitioner onboard the ship outside your home area, up to a maximum of £300 as a result of bodily injury, illness or disease you sustain. We will pay the amount above in addition to any amount payable under Section 6 Medical emergency expenses. This payment is meant to help you pay additional expenses such as phone calls incurred during your confinement.
You can only claim benefit under subsection 3. of You are covered or Section 6 - Medical emergency expenses under subsection 6. of You are covered for medical inconvenience benefit for the same event, not both.
YOU ARE NOT COVERED1) for claims under subsection 1. of You are covered, Section 7 - Personal Property exclusions apply. Please refer to page 16; 2) for the excess as shown in the Summary of Cover on page 5. The excess will apply for each and every incident per each insured person involved in the incident; 3) for claims arising directly or indirectly from:a) Strike or industrial action or air traffic control delay existing or publicly declared by the date this insurance ispurchased by you or the date your trip was booked whichever is the later;orb) Withdrawal from service (temporary or otherwise) of an aircraft or sea vessel on the recommendation of the Civil tion Authority or a Port Authority or any such regulatory body in a country to/from which you are travelling.4) for additional expenses where the scheduled public transport operator has offered reasonable alternative travel arrangements.5) for additional expenses where your planned arrival time at the port is less than 3 hours in advance of the sail departure time if you are travelling independently and not part of an integrated cruise package.6) for any confinement to your cabin which has not been confirmed in writing by the ships medical officer.7) for claims arising from when your ship cannot put people ashore due to a scheduled tender operation failure.8) for anything mentioned in the General Exclusions
SECTION 18 – BUSINESS COVER
This section of cover is only applicable if you have paid the appropriate Business cover premium and this is shown on your policy schedule.
This extension to the policy provides the following amendments to the insurance specifically for any business trip made by you.
YOU ARE COVERED1.In addition to the cover provided under Section 7 – Personal property, we will pay you up to £750 for the accidental loss of, theft of or damage to business equipment. The amount payable will be the current market value, which takes into account a deduction for wear tear and depreciation (loss of value), or we may replace, reinstate or repair the lost or damaged business equipment.
The maximum we will pay for any one article, pair or set of articles is £500.
2. We will pay reasonable additional accommodation and travelling expenses incurred in arranging for a colleague or business associate to take your place on a pre-arranged business trip in the event that:a) You die.b) You are unable to make the business trip due to you being hospitalised or totally disabled as confirmed in writing by a medical practitioner. c) Your close relative or close business associate in the United Kingdom dies, is seriously injured or falls seriously ill.
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YOU ARE NOT COVERED FOR:1. The policy excess on each and every claim, per incident claimed for, under this section by each insured person.2. Loss, theft of or damage to business equipment left unattended at any time (including in a vehicle, or checked in luggage or while in the custody of a carrier, tour operator, or public transport operator) unless deposited in a hotel safe or safety deposit box or left in your locked accommodation.3. Loss, theft of or damage to business equipment contained in an unattended vehicle: i) overnight between 9 pm and 9 am (local time) or ii) at any time between 9 am and 9 pm (local time) unless:a) it is locked out of sight in a secure baggage area and b) forcible and violent means have been used by an unauthorised person to gain entry into the vehicle and evidence of this entry is available.4. Loss or damage due to delay, confiscation or detention by customs or any other authority.5. Loss or damage caused by wear and tear, depreciation (loss of value), atmospheric or climatic conditions, moth, vermin, any process of cleaning, repairing or restoring, mechanical or electrical breakdown. 6. Loss of, theft of or damage to CD’s, DVD’s, films, tapes, cassettes, cartridges or discs other than for their value as unused materials unless purchased pre-recorded, when we will pay up to the makers latest list price. 7. For subsection 2. of You are covered:a) Additional costs under subsection 2. b) of You are covered if you were totally disabled, hospitalised or you were on a waiting list to go into hospital at the time of arranging the business trip.b) Additional costs under subsections 2. b) and c) of You are covered if you were aware of circumstances at the time of arranging the business trip, which could reasonably have been expected to lead to cancellation of the business trip.8. For subsections 1. and 2. of You are covered:a) Any loss or damage arising out of you engaging in manual work.b) Any financial loss, costs or expenses incurred arising from the interruption of your business.c) Anything mentioned in the General Exclusions.
SECTION 19 - TRAVEL DISRUPTION COVER
This section of cover is only applicable if you have paid the appropriate Travel Disruption cover premium and this is shown on your policy schedule.
Cover specifically and only applies in the event of travel disruption caused either directly or indirectly by natural disasters or civil unrest. The Travel Disruption cover provides the following amendments to the insurance, specifically for costs and expenses that are not recoverable from any other source.
YOU ARE COVEREDDelayed Departure CoverWe will pay you one of the following amounts:1) If the scheduled public transport on which you are booked to travel is cancelled or delayed, leading to your departure being delayed for more than 12 hours at the departure point of any connecting public transport in the United Kingdom or to your overseas destination or on the return journey to your home we will pay you £20 for the first full 12 hours that you are delayed and £10 for each full 12 hours delay thereafter, up to a maximum of £100 (which is meant to help you pay for telephone calls made and meals and refreshments purchased during the delay) provided you eventually continue the trip; or2) If you choose to abandon your trip because the alternative transport to your overseas destination offered by the public transport operator was not suitable, we will pay you up to the amount shown in the summary of cover on page 5 for any irrecoverable unused accommodation and travel costs (and other pre-paid charges) which you have paid or are contracted to pay because you were not able to travel and use your booked accommodation as a result of:(i) The scheduled public transport on which you were booked to travel from the United Kingdom being cancelled or delayed for more than 12 hours; or(ii) You being involuntarily denied boarding (because there are too many passengers for the seats available) and no other suitable alternative flight could be provided within 24 hours.You can only claim under subsections 1 or 2 for the same event, not both.If the same costs, charges or expenses are also covered under any other section of your travel insurance policy you can only claim for these under one section for the same event.
Missed Departure Cover We will pay you up to the amount shown in the summary of cover on page 5 for suitable additional accommodation (room only) and travel expenses necessarily incurred in reaching your overseas destination and/or in returning to the United Kingdom as a result of:
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(i) The public transport on which you were booked to travel being cancelled, delayed for more than 12 hours, diverted or re-directed after take-off;(ii) The failure of other scheduled public transport; or(iii) You being involuntarily denied boarding (because there are too many passengers for the seats available) and no other suitable alternative flight could be provided within 12 hours and the alternative transport offered by the scheduled public transport operator was not suitable.The amount payable will be calculated after deduction of the amount of the refund on your ticket(s) together with any compensation from the public transport operator.If the same costs, charges or expenses are also covered under any other section of your travel insurance policy you can only claim for these under one section for the same event.Please read the general conditions and exclusions of your travel insurance policy.
Accommodation Cover We will pay you up to the amount shown in the summary of cover on page 5 for either:1) Any irrecoverable unused accommodation costs (and other pre-paid charges which you have paid or are contracted to pay) because you were not able to travel and use your booked accommodation; or2) Reasonable additional accommodation and transport costs incurred:a) Up to the standard of your original booking, if you need to move to other accommodation on arrival or at any time during the trip because you cannot use your booked accommodation; orb) With the prior authorisation of the 24hr emergency service to repatriate you to your home if it becomes necessary to cut short your tripYou can only claim under one of subsections 1 or 2 above for the same event, not both.If the same costs and charges are also covered under any other section of this policy you can only claim for these under one section for the same event.Please read the general conditions and exclusions of your travel insurance policy.
YOU ARE NOT COVERED 1) for the excess shown in the Summary of Cover (except for claims under Delayed Departure subsection 1);2) for the cost of Airport Passenger Duty and any other refundable taxes;3) for travel tickets paid for using any airline mileage reward scheme, for example Air Miles;4) for accommodation costs paid for using any Timeshare, Holiday Property Bonds or other holiday points schemes5) for any claims arising directly or indirectly from an aircraft or sea vessel being withdrawn from service (temporary or otherwise) on the recommendation of the Civil Aviation Authority, Port Authority or any such regulatory body in a country to/from which you are travelling;6) for any claim relating to your inability to provide a valid passport, visa or other documentation required by the public transport operator or their handling agents;7) for any costs incurred by you which are recoverable from the providers of the accommodation (or their administrators) or for which you receive or are expected to receive compensation or reimbursement;8) for any costs incurred by you which are recoverable from the public transport operator or for which you receive or are expected to receive compensation, damages, refund of tickets, meals, refreshments, accommodation, transfers, communication facilities or other assistance;
SECTION 20 - WEDDING COVER
This section of cover is only applicable if you have paid the appropriate Wedding cover premium and this is shown on your policy schedule.
If You have purchased an Annual Multi-Trip policy, You can purchase Wedding cover for one Tripduring the Period of Insurance when You have paid the appropriate additional premium and the cover is shown on Your Policy schedule.
PERIOD OF INSURANCE
The Period of Insurance under sections E - Photographs and videos, F - Wedding cars and transport and G - Cakes and flowers commences on Your wedding day and shall terminate on Your return to Your normal place of residence or business in the Home country on completion of Your holiday. Cover under all other sections shall commence at the time of leaving Your Home or business (whichever is later) in the Home country and shall terminate on the return of the Trip as specified in the itinerary but shall not exceed the period stated in the Policy schedule. In any event cover will commence no more than 24 hours prior to the booked departure time from the Home country and will cease no more than 24 hours after the booked return to the Home country. Cover applies door-to-door, so the appropriate benefits (unless stated otherwise) apply within Your country of departure once You commence Your Trip, and during Your return journey to Your Home.
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SECTION A - ADDITIONAL CANCELLATION
YOU ARE COVERED in addition to Section 1 - Cancellation:• Financial loss You suffer in connection with deposits You cannot recover, or for payments You have made (or have contracted to pay) if You are forced to cancel because of one of the specified causes listed under Section 1 - Cancellation. In addition to the amounts specified in Section 1 We will pay up to the amount shown in the Summary of Cover on page 5.
YOU ARE NOT COVERED FOR:a) anything mentioned in You are not covered for in Section 1 – Cancellation on page 12; c) anything mentioned in the General Exclusions.
SECTION B - WEDDING RINGS
We will pay You up to the amount shown in the Summary of Cover on page 5 per ring for any loss or damage to the Bride’s or Bridegroom’s Wedding Rings, occurring within the Period of Insurance. We will pay for the repair, replacement or reinstatement of the lost or damaged ring at our option.
SECTION C - WEDDING GIFTS
YOU ARE COVERED We will pay You up to the amount shown in the Summary of Cover on page 5 per couple in the event of permanent loss or damage to your wedding gifts during the Period of Insurance, for the repair, replacement or reinstatement of the lost or damaged wedding gifts.
SECTION D - WEDDING ATTIRE
YOU ARE COVERED (Applies to sections B, C and D):We will pay You reasonable additional costs up to the amount shown in the Summary of Cover on page 5 per couple in the event of permanent loss or damage to Your wedding attire during the Period of Insurance, if You have to:a) Repair the damaged item(s); orb) Purchase similar replacement items.
If in the course of a Trip, Your wedding rings, wedding attire and/or wedding gifts are damaged, stolen, destroyed or lost (and not recovered), We will pay You up to a maximum limit per couple as stated under each section of this policy. We have the option to either pay You for the loss or replace, reinstate or repair the items concerned. Payment will be on the basis of the current value of the items concerned, after a deduction for normal wear and tear and bearing in mind the age of the items.
YOU ARE NOT COVERED (Applies to sections B, C and D)1) for the excess as shown in the Summary of Cover on page 5. The excess will apply for each and every incident pereach insured person involved in the incident;2) any item loaned, hired or entrusted to You;3) any loss from an unattended motor vehicle if:a) the items concerned have not been locked out of sight in a Secure Luggage Area;b) no forcible and violent means have been used by an unauthorised person to affect entry into the vehicle; andc) no evidence of such entry is available;4) theft of valuables from an unattended motor vehicle, luggage in transit, or from luggage left in the custody of the hotel;5) wear and tear, damage caused by moth or vermin, denting or scratching, atmospheric or climatic conditions, deterioration, depreciation or any process of dyeing or cleaning;6) confiscation or detention by Customs or other lawful officials and authorities;7) bonds, securities, stamps or documents of any kind, musical instruments, glass, china, antiques, pictures, coupons, personal organisers, portable telephones,8) televisions, portable CD and mini-disc players, vehicles or accessories, boats and/or ancillary equipment, samples or merchandise or business goods or specialised equipment relating to a trade or profession;9) any loss or theft, not reported to the police or to the carrier, as appropriate within 24 hours of discovery;10) damage to fragile or brittle articles unless by fire or resulting from an accident to a sea going vessel, aircraft or vehicle;11) losses from a roof or boot luggage rack;12) anything mentioned in the General Exclusions.
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SECTION E - PHOTOGRAPHS AND VIDEOS
YOU ARE COVERED We will pay You up to the amount shown in the Summary of Cover on page 5per couple for:1. Reasonable additional costs incurred by the Insured Couple if the prebooked professional photographer cannot appear at your wedding at the specified time due to illness, injury or transport problems; and 2. Reasonable additional costs incurred by the Insured Couple to re-print or re-take the professionally taken photographs or video(s) of the wedding if the original photographs and video(s) are permanently lost or damaged up to 14 days after the wedding.
If the professional photographer cannot appear, you should obtain written confirmation of the reason he or she could not appear. In the event of loss or damage to photographs, negatives or videos of your wedding whilst in the custody of the photographer, you should obtain a written report confirming the nature and extent of the damage.
Receipts for any additional costs incurred must be retained if a claim is to be made under this section of the policy.
YOU ARE NOT COVERED FOR:1) additional costs arising from any change to the specified time of which You are aware prior to the commencement of Your holiday;2) the cost of reprinting photographs or video(s) not owned or ordered by You;3) for the excess as shown in the Summary of Cover on page 5. The excess will apply for each and every incident per each insured person involved in the incident;4) anything mentioned in the General Exclusions.
SECTION F - WEDDING CARS AND TRANSPORT
YOU ARE COVERED We will pay up to the amount shown in the Summary of Cover on page 5 per couple if the private hire firm or individual with whom the transport arrangements have been made fails to meet its/their contractual obligation(s).This covers irrecoverable deposits and any additional costs.
YOU ARE NOT COVERED FOR:a) the excess as shown in the Summary of Cover on page 5. The excess will apply for each and every incident per each insured person involved in the incident;b) losses which are covered under Section 1 - Cancellation c) losses arising unless a written contract is in existence;d) any costs which would have been incurred had the original supplier not failed to meet their contractual obligations;e) financial failure of any service provider;f) anything mentioned in the General Exclusions.
SECTION G - CAKES AND FLOWERS
YOU ARE COVERED We will pay up to the amount shown in the Summary of Cover on page 5 per couple for loss of, or damage to, flowers and the wedding cake which occurs during the Period of Insurance
YOU ARE NOT COVERED FOR:a) the excess as shown in the Summary of Cover on page 5. The excess will apply for each and every incident per each insured person involved in the incident;b) theft of the wedding cake or flowers unless such items were removed by visible and forcible means;c) any loss due to theft or attempted theft, not reported to the police within 24 hours of discovery;d) loss or damage by theft or attempted theft of any flowers or the wedding cake, left in any unattended vehicle, unless they are left in the locked boot or locked glove compartment of a motor vehicle, concealed from view and there is evidence of violent, visible and forcible entry;e) anything mentioned in the General Exclusions.
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GENERAL EXCLUSIONS
YOU ARE NOT COVERED FORAnything directly or indirectly caused by:1) your suicide, or attempted suicide, deliberately injuring yourself, being under the influence of drink or drugs (unless prescribed by a doctor), alcoholism or other alcohol related illnesses, drug addiction, solvent abuse, self-exposure to needless danger (unless you are trying to save someone’s life);2) you being compulsorily detained as a psychiatric patient in a hospital or other medical facility. (This exclusion applies in all cases whether the premium has been paid to cover a pre-existing medical condition or not);3) professional or organised sports, winter sports (unless the appropriate premium has been paid), racing, speed or endurance tests, scuba diving to a depth greater than 30 metres, scuba diving without a qualified instructor, or dangerous pursuits;4) air travel (other than as a fare-paying passenger on a regular scheduled airline or licensed charter aircraft);5) air travel within 24 hours of scuba diving;6) bankruptcy/liquidation of any tour operator, travel agent or transportation company (except under the terms of Section 17 - End Supplier Failure Insurance);7) any other loss connected to the event you are claiming for unless we specifically provide cover under this policy;8) loss or damage to any property and expense or legal liability; directly or indirectly caused by or contributed to by or arising from:a) ionising radiations or radioactive contamination from any nuclear fuel or nuclear waste which results in burning of nuclear fuel;b) the radioactive, toxic, explosive or other dangerous properties of nuclear machinery or any part of it; c) pressure waves from aircraft and other flying objects travelling faster than the speed of sound.9) a) war, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, civil commotion or uprising, blockade, military or usurped power;b) any act of terrorism not involving the use or release of or threat thereof of any nuclear weapon or any chemical or biological agents:i) this exclusion will not apply to Section 5 – Personal Accident or Section 6 – Medical Emergency Expenses provided that the Insured Person suffering personal accident injury or illness has not participated in or conspired in such activities,ii) provided also that in the event of benefit being payable the maximum payable in respect of any one claim or series of claims arising from a single act of terrorism or series of acts of terrorism occurring within a 72 hour period is £2,500,000 in the aggregate.c) any act of terrorism involving the use or release of or threat thereof of any nuclear weapon or any chemical or biological agents:An act of terrorism means an act, including but not limited to the use of force or violence and/or threat, of any person or group(s) of person(s), whether they are acting alone or on behalf of or in connection with any organisation(s) or government(s), committed for political, religious, ideological or similar purpose including the intention to influence any government and/or to put the public, or any section of the public at fear;d) any loss, damage, cost or expense of any nature that results from or is in connection with anything mentioned in a), b) or c) above regardless of any other cause or event or sequence of events or any action taken in controlling, preventing or suppressing anything mentioned in a), b) or c) above;You are responsible for proving why this Exclusion, in whole or in part, should not be applied. If any portion of this Exclusion is found to be invalid or unenforceable, the remainder of it will remain in force and effect;10) you riding on a motorcycle, Quad bike or any mechanically assisted cycle with an engine capacity in excess of 125cc and in any event if you fail to wear a crash helmet;11) you driving a motor vehicle or riding a motorcycle, Quad bike or any mechanically assisted cycle without an appropriate licence or when not insured under a motor insurance policy;12) the cost of any elective (non-emergency) treatment or surgery, including exploratory tests, which are not directly related to the illness or injury which necessitated your admittance into hospital;13) mountaineering or rock climbing, ordinarily necessitating the use of picks, ropes or guides, or pot-holing;14) your manual work or hazardous occupation of any kind;15) taking part in dangerous expeditions or the crewing of a vessel outside European waters;16) any payment which you would normally have made during your travels, if nothing had gone wrong;17) failure of any computer hardware or software or other electrical equipment to recognise or process any date as the true calendar date (this exclusion does not apply to claims made under Section 5 – Personal Accident, Section 6 – Medical Emergency Expenses);
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18) off-piste skiing except whilst under the supervision of a qualified guide/instructor;19) ski jumping, mono skiing, ice hockey, the use of skeletons or bobsleighs;20) ski or ski bob racing in International and National events and their heats and officially organised practice or training for these events;21) your travel to a country or specific area or event to which the Travel Advice Unit of the Foreign and Commonwealth Office or the World Health Organisation has advised the public not to travel.22) any claim which arises directly or indirectly from you not being allowed to board a flight, train, sea vessel, coach or bus for any reason whatsoever;23) any claim arising or resulting from you being involved in any malicious, reckless, illegal or criminal act;
COMPLAINTS PROCEDUREWhilst every effort is made to maintain the highest service standards, should there be an occasion when the service you receive falls below the standard you expect, please use the below contact details to inform AllClear or MAPFRE of your concerns:For complaints about the sale of Your Policy Please contact AllClear Insurance Services at the below address:You can register your complaint by telephone, letter or email: Telephone: 01708 339001Postal address:AllClear Insurance Services AllClear House1 Redwing CourtAshton RoadRomfordEssex RM3 8QQEmail: [email protected] you contact AllClear Insurance Services please quote your policy schedule number and provide a telephone number to assist us in dealing with your enquiry speedily. If possible AllClear Insurance Services will call you within one working day and try to resolve the issue straight away. Otherwise AllClear Insurance Services will record the nature of your complaint and assign a complaints handler who will complete a full investigation and contact you in writing.AllClear Insurance Services follow the Financial Conduct Authority guidelines to complaints handling, a copy of AllClear Insurance Services complaints procedure is available upon request.
For complaints following a claim notificationPlease contact MAPFRE Assistance at the below address:You can register your complaint by telephone or letter:Telephone: 0330 400 1420Postal address: The Customer Relations ManagerMAPFRE AssistanceOne Victoria StreetBristol BridgeBristolBS1 6AAWhen you contact MAPFRE Assistance please quote your policy schedule number and claim number and provide a telephone number to assist us in dealing with your enquiry speedily.
MAPFRE Assistance follow the Financial Conduct Authority guidelines to complaints handling, a copy of the MAPFRE Assistance complaints procedure is available upon request.
If you are still not satisfied you have the right to refer any dispute to the Financial Ombudsman Service by writing to:Financial Ombudsman ServiceExchange TowerLondon E14 9SRTel: 0300 123 912Email: [email protected]: http://financial-ombudsman.org.uk
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Amateur Sporting and Hazardous Activities
Basic Conditions1.You are accompanied by, or accessible to, an experienced and/or suitable qualified instructor or guide.2.You are adequately supervised, taking part in an organised event, session or excursion.3.You must be a fare-paying passenger in a chartered craft.4.You are not taking part in a league or competition.5.You are using natural or purpose/built facilities approved for use for the activity by a local or national regulatory authority.6.This does not constitute the main purpose of the trip.7.Protective clothing and headgear must always be worn.For certain activities the condition is that cover under some sections of the policy is excluded:8.Cover under the Personal Accident section is excluded9.Cover under the Personal Public Liability section is excludedThe condition numbers are annotated to the activities to which they apply below:
Activity Acceptability Condition NumberAbseiling Covered 2, 5, 6
American Football Not covered
Archery Covered 2
Badminton Covered
Ballooning - Hot Air Covered 2, 3
Banana Boat Rides (Beach activity) Covered
Baseball Covered
Basket Ball Covered
Big Game Hunting Not covered
Black water rafting Not covered
Blade Skating Covered
BMX Freestyle Riding Not covered
Bobsleigh Not covered
Bone fishing – see Deep Sea Fishing Covered
BOSS (Breathing Observation Submersible Scooter) Covered 1, 2, 9
Bowls Covered
Boxing Not covered
Bungee Jumping Not covered
Camel Riding Covered
Canoeing in calm waters Covered
Canoeing in white water Not covered
Canyoning Not Covered
Catamaran Sailing (European waters only) Covered 1, 4, 9
Cave Diving Not Covered
Caving Not Covered
Clay Pigeon Shooting Covered 1, 5
Cliff jumping Not covered
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AMATEUR SPORTING AND HAZARDOUS ACTIVITIES LISTActivity Acceptability Condition NumberClimbing Wall Covered 2, 7
Coasteering (cross between cliff jumping & canyoning) Not covered
Cricket Covered 4, 6
Cross Country Skiing (on recognised paths) Covered if winter sports
premium is paid
Curling Covered
Cycling excl. BMX/Mountain Covered
Deep Sea Fishing Covered 2
Dry Skiing Covered if winter sports
premium is paid
Dune boarding 50% loading 4, 6, 7
Endurance Tests Not covered
Fell Running Covered
Fell Walking Covered
Fencing Covered 1, 6, 7, 8, 9
Fishing Covered
Flying Covered 3
Football 100% Loading 2, 7, 9
Gaelic Football 100% Loading 2, 7, 9
Glacier walking Not covered
Gliding Covered 1, 3, 8, 9
Go Karting up to 120cc Covered 2, 6, 9
Go Karting over 120cc 100% loading 2, 6, 7, 8, 9
Golf Covered
Gorge Walking Not covered
Gymnastics Covered
Hang Gliding Not covered
Heli Skiing Covered if winter sports
premium is paid 1, 3, 6,
Heptathlon Covered
Hiking (on recognised routes) Covered
High Diving Not covered
Hobie Catting (European waters only) Covered 1, 4, 9
Hockey 50% loading 2, 4, 6, 7, 9
Horse jumping Not Covered
Horse Riding Covered 4, 7
Hunting Not Covered
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AMATEUR SPORTING AND HAZARDOUS ACTIVITIES LISTActivity Acceptability Condition NumberHot Dogging Grades 1, 2 & 3 Covered 1, 7
Hurling Not Covered
Hydro Speeding Not Covered
Ice Diving Not Covered
Ice Hockey Not covered
Ice Skating 100% loading 4, 6
Indoor Climbing Covered 1, 5, 7
Inner Tubing Covered if winter sports
premium is paid 4, 5
Jeep / Car Trekking Covered 2, 3, 9
Jet Boating Covered 2
Jet Skiing Covered 6, 9
Judo Not covered
Jungle Surfing Covered 5, 7
Karate Not covered
Kite Boarding (on land) Not Covered
Kite Buggying Covered 4, 6, 7, 9
Kite Surfing (water) Covered 4, 9
Kayaking in calm waters Covered 1, 4, 9
Kayaking in white water Not covered
Lacrosse 50% loading 4, 9
Luge Not Covered
Manual Work Not covered
Marathon Running Not covered
Micro Lighting Not covered
Mono Skiing (on Snow) Covered if winter sports
premium is paid
Motor Sport (any type) Not covered
Mountain Biking 100% loading 1, 5, 6, 7
Mountaineering Not covered
Netball Covered
Off Piste Skiing Covered if winter sports
premium is paid 1, 4
Orienteering Covered
Parachuting Not covered
Paragliding (over land) Not covered
Parasailing (over water) Covered 2, 7, 8, 9
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AMATEUR SPORTING AND HAZARDOUS ACTIVITIES LISTActivity Acceptability Condition NumberParascending (over water) Covered 2
Passenger Sledge (Horse and Carriage) Covered
Pedaloes Covered
Polo Covered 4, 8, 9
Pony Trekking Covered
Pot Holing Not covered
Quad Biking up to 125cc Covered 2, 4, 6, 7, 9
Quad biking over 125cc Not Covered
Racket Ball Covered
Rambling Covered
Rifle range Covered 5, 9
Rock Climbing Not covered
Rock Scrambling Not covered
Roller skating / Blading Covered
Rounders Covered
Rowing Covered 4, 9
Rubber Ring Rides (Beach Activity) Covered
Rugby Not covered
Running Covered 4
Safari/Gorilla Trekking Covered 2
Sail Boarding Covered
Sailing (inc Flotilla) European waters only Covered 4, 9
Sand Yachting Covered 9
Scuba Diving to 30 metres Covered 1
Scuba Diving (Over 30 metres) Not Covered
Shooting/ Hunting Not covered
Skateboarding Covered
Skateboarding Acrobatics Not covered
Ski Acrobatics Not covered
Ski Doos Not covered
Skiiing Covered if winter sports
premium is paid
Ski Jumping Not covered
Ski racing Not covered
Sky Diving Not covered
Sky Diving Indoor Covered 2, 7
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AMATEUR SPORTING AND HAZARDOUS ACTIVITIES LISTActivity Acceptability Condition NumberSledging Covered if winter sports
premium is paid
Snorkelling to 10 metres Covered
Snow Boarding Covered if winter sports
premium is paid
Snow Mobile Covered if winter sports
premium is paid 6, 9
Snow Shoeing Covered if winter sports
premium is paid
Sphereing/Zorbing inc aqua Covered 2
Squash Covered
Street Hockey Covered 9
Stunt Events Not covered
Surfing Covered
Table Tennis Covered
Tandem Sky Diving Not covered
Ten Pin Bowling Covered
Tennis Covered
Tobogganing Covered if winter sports
premium is paid
Tree trekking Covered 2
Trekking/ Hiking up to 3000 metres Covered
Trekking/ Hiking over 3000 metres Not Covered
Via Ferrata Not Covered
Volley Ball Covered
Wake Boarding Covered
War games/ Paint Balling Covered 7, 9
Water Polo Covered
Water Skiing Covered
Water Skiing Jumping Not covered
Weight Lifting Not covered
White Water Rafting Grades 1,2 & 3 Covered 7, 8, 9
White Water Rafting Grades 4 & 5 Not Covered
Windsurfing Covered
Wrestling Not covered
Yachting (European Waters only) Covered 4, 9
Zorbing/Sphereing inc aqua Covered 2
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This insurance is underwritten by MAPFRE Asistencia Compañia International de Seguros y Reaseguros, Sociedad Anonima, 5th Floor, Alpha House, 24a Lime Street, London, EC3M 7HS. Company Number: FC021974. Branch Number BR008042. Trading under the name MAPFRE Assistance.
We (MAPFRE Asistencia) are authorised by the Dirección General de Seguros y Fondos de Pensiones and are subject to limited regulation by the Financial Conduct Authority and the Prudential Regulation Authority. Details about the extent of regulation by the Financial Conduct Authority and the Prudential Regulation Authority are available on request.
MAPFRE Asistencia Compañia International de Seguros y Reaseguros, S.A. branch in the United Kingdom (trading as MAPFRE Assistance) has registered offices at 5th Floor, Alpha House, 24a Lime Street, London, EC3M 7HS. MAPFRE Asistencia main office is based in Spain which forms part of the EEA (European Economic Area) as a member state. The Kingdom of Spain is responsible for controlling the insurance activity of MAPFRE Asistencia S.A., through the Spanish Ministry of Economy and the Treasury, and specifically the General Directotate for Insurance Matters and Pensions Fund (Dirección General de Seguros y Fondos dePensiones). Its branch in the United Kingdom is also under the United Kingdom FCA (Financial Conduct Authority) and PRA (Prudential Regulation Authority) supervision in certain situations according to the European Union Regulation.
Data Protection Act 1998
Please note that any information provided to us will be processed by us and our agents in compliance with the provisions of the Data Protection Act 1998, for the purpose of providing insurance and handling claims, if any, which may necessitate providing such information to third parties.
AllClear Insurance Services Limited are authorised and regulated by the Financial Conduct Authority (Firm Reference Number 311244).
Financial Services Compensation Scheme
MAPFRE Asistencia is covered under the Financial Services Compensation Scheme. If we are unable to meet some of our liabilities and you make a valid claim, you may be entitled to compensation from the FSCS, depending on the type of business and circumstances of the claim.
Protection is at 100% where claims:
(a) arise in respect of a liability subject to compulsory insurance; or(b) arise in respect of a liability subject to professional indemnity insurance; or(c) arise from the death or incapacity of the policyholder due to injury, sickness, or infirmity;
Protection is at 90% where claims arise under other types of policy with no upper limit.
Further information can be obtained from the Financial Services Compensation Scheme at:
Tel: 0800 678 1100 or 020 7741 4100 E-mail: [email protected] Website: www.fscs.org.uk
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MAPFRE Assistance Registered Office:5th Floor, Alpha House, 24a Lime Street, London EC3M 7HS. Company Number: FC021974. Branch Number BR008042.
AllClear Insurance Services Limited,Registered in England No. 4255112. The registered office:
AllClear House, 1 Redwing Court, Ashton Road, Romford, Essex RM3 8QQ.Authorised and Regulated by the Financial Conduct Authority,
Firm Reference Number 311244
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