The following is a summary of the cover provided. A full
policy document will be sent on receipt of the correct premium.
If any participant is not fully satisfied the policy can be
returned within 7 days and a full refund will be given.
Section A. Medical Expensive
1. Medical, Repatriation and Associated Expenses.
Sum Insured £5,000,000 Should an insured person suffer accidental
bodily injury or illness (including compulsory quarantine)
or be hi-jacked during the Period of Insurance, the Insurer
will indemnify: i) normal and necessary receipted expenses of medical
or surgical treatment incurred overseas including, emergency
dental treatment to relieve pain and suffering (limited to
£250), specialists or ophthalmic fees, hospital, nursing home
and nursing attendance charges, physiotherapy, massage and
manipulative treatment, surgical and medical requisites. Decompression
chambers, ambulance/necessary transport charges (including
air ambulance charges if necessary on medical grounds and
authorised by the Insurer or their Agents).
The Insurer reserves the right to repatriate the insured person
to their country of residence when in the opinion of the doctor
in attendance and their medical advisers the insured person
is fit to travel.
2. Additional Hospital Benefit.
Sum Insured £200.
In addition to the costs referred to above, the Insurer will
also pay the sum of £10 compensation for each complete day,
up to a maximum of £200, that the insured person is confined
to hospital outside their normal country of residence.
3. Criminal Injuries.
Sum Insured £5,000.
Should an insured person be admitted to hospital as an in-patient
as a result of receiving Criminal Injuries following a personal
assault verified by a written report that substantiates the
injuries resulted from an unprovoked personal assault, the
Hospital Benefit payable under Section A2 above is increased
to £100 per complete day, up to a maximum of £5,000, that
the insured person is confined to hospital outside of their
normal country of residence.
4. Personal Liability.
Sum Insured £2,000,000
The Insurer will indemnify the insured person to the Sum Insured
against all costs the insured becomes legally liable to pay
as damages together with claimant's costs in respect of:-
(i) Accidental bodily injury to or death
or illness of any insured person (ii) Accidental loss of or damage to material
property, occurring during the Period of Insurance. The Insurer
will in addition pay all costs and expenses incurred with
its written consent.
Section B. Personal Accident.
Sum Insured: up to £25,000
In the event of the insured person sustaining bodily injury
arising wholly and exclusively from violent accidental external
and visible means which injury shall solely and independently
of any other cause result in his/her death or disablement
within twelve calendar months of the injury, the Insurer hereby
agrees to pay to the insured person or in the event of death
to his/her legal personal representative the following Sum
Sum Insured: £5,000
Should an insured person necessarily have to cancel the projected
journey before commencement or curtail it before completion,
as a result of:
i) the death, accidental bodily injury,
illness, compulsory quarantine, redundancy that qualifies
for payment under current redundancy legislation, cancellation
of leave for British forces, Police or government security
staff, summoning to jury service or witness attendance in
a court of an insured person or insured travelling companion.
ii) the death, serious injury or illness
of a close relative, or the person with whom the insured person
intends to reside at the holiday or journey destination, or
dependant business partner of the insured person or insured
travelling companion which necessitates the presence of the
iv) adverse weather conditions making it
impossible for an insured person to travel to point of departure
at commencement of outward journey.
v) major damage or burglary at the insured
person's home or place of business which at the request of
an emergency service requires their presence. The Insurer
will pay: a) for Cancellation prior to departure any
Irrecoverable Payments and Charges (whether paid or contracted
to be paid) for travel, accommodation, tours or excursions
up to the Sum Insured, for any of the above reasons. b) for Curtailment after departure any reasonable
extra payments which have to be made for travel and accommodation
and a proportionate refund of inclusive tour costs, or alternatively
the original value of unused air tickets up to the Sum Insured,
for any of the above reasons.
NOTE: Where an insured person is not travelling on a pre-paid
or fixed itinerary then additional travelling expenses shall
be deemed to be those costs in excess of normal tourist class
air fares. Where return to a person's country of residence
is necessary in an emergency situation an insured person should
contact Specialty Assistance who may be able to assist in
having existing air tickets amended.
Section D. Travel Delay.
1.Delayed Departure or Arrival
The Insurer will pay each insured person up to the limits
shown below if the departure of the aircraft, train or sea
vessel in which the insured person has arranged to travel
is delayed for at least 12 hours from the departure time specified
in the travel itinerary, or if the arrival of the aircraft,
train or sea vessel at destination is at least 12 hours later
than the time specified in the travel itinerary, due to Strike,
Industrial Action, disruption, Terrorism, adverse weather
conditions, or mechanical breakdown or derangement of the
aircraft, train or sea vessel.
The Insurers liability under this Section is limited to either:
a) £25 for the first complete 12 hour period
of delay commencing from the original booked departure time
or arrival time specified in the travel itinerary and £12.50
for each subsequent 12 hour period of delay, up to a maximum
of £100 each insured person, or b) if the insured person elects to cancel
the whole travel itinerary prior to departure. Irrecoverable
Payments and Charges made for the travel, accommodation and
other costs up to a maximum of £1,000 each insured person.
2. Hi-Jack of Aircraft The Insurer will
pay compensation of £100 per complete day that the insured
person is in detention due to unlawful seizure or wrongful
exercise of control of an aircraft or the crew thereof, in
which the insured person is travelling as a passenger, up
to a maximum of £3,000.
3. Failure of Inter-continental Flight Connections
in Europe The Insurer will pay compensation of £25 per complete
day, up to a maximum of £150, that an insured person has to
spend in Europe awaiting an alternative onward flight if the
original pre-booked flight connection is missed due to delay
of the initial flight from the UK caused by circumstances
beyond the control of the insured person. NOTE: Only applicable
to travel commencing from the UK where travel has been arranged
in accordance with the minimum connecting flight times as
published in the Official Airline Guide.
4. Failure of Transport Connections in the
UK If the insured person arrives at the point of international
departure in the UK too late to commence the booked travel
as the result of failure of scheduled public transport services
in the UK due to inclement weather, Strike, Industrial Action,
Terrorism or mechanical breakdown, or as a result of an accident
to the motor vehicle in which the insured person is travelling
to the point of departure, the Insurer will pay up to £300
for additional travel and accommodation only expenses necessarily
incurred by the insured person in order to reach the
Section E. Personal Effects
Indemnity for Loss, Theft or Damage to:-
1. Accompanied Personal Luggage, clothing
or Effects belonging to the insured person. Sum Insured £2,000
Claims are settled on an INDEMNITY basis taking account of
age, wear and tear
2. Personal Monies. Sum Insured: £500. Cash,
Bank or Currency notes, including reasonable expenses incurred
as a result of loss, theft or damage.
3. Tickets. Sum Insured: £1,000. Air or
other tickets including reasonable expenses incurred as a
result of loss, theft or damage.
4. Passport or Visas. Sum insured: £250.
In respect of the cost of an emergency replacement or temporary
passport or visa obtained whilst abroad including reasonable
and receipted expenses incurred to obtain the same.
NOTE IN RESPECT OF CASH Cover will be effective from time
of collection from bank or travel agent, or for 3 days before
commencement of journey, or from date of commencement of this
Insurance, whichever is the latter.
Section F. Legal Expenses
Sum Insured up to £15,000
The Insurer will pay for legal costs and expenses, or the
appointment of a claims agent in order to pursue compensation
and/or damages against a third party arising from or out of
personal injury to or death of the insured person occurring
during the Period of Insurance.
The Insurer shall have complete control over the legal proceedings
and the appointment and control of a solicitor or claims agent.
LEGAL HELP-LINEIf an insured person suffers
a personal injury and wishes to claim against the person who
caused it they may telephone Towergate Chase Parkinson on
01932 334196 for guidance.
Each claim is subject to a £50 excess except delayed departure,
temporary lost baggage, loss of deposit, travel restriction,
personal accident and public liability claims. Legal expenses
are subject to an excess of £250.
Conditions, exclusions and warranties
These will apply to individual sections of your policy
Your policy cover excludes any pre-existing medical condition.
If in doubt please call the medical helpline, in confidence,
on 0870 906 3140. Please read the policy carefully.
These are based on the price of the property at the time of
loss and not 'new for old'.
Most sections of your policy will have limits on the amount
the insurer will pay under that section.
Reasonable care You must take all reasonable care to protect yourself and
your property, as you would if you were not insured.