Your Policy Explained

This summary is subject to the full terms and conditions of the insurance policy and does not constitute any offer to insure or amendment to the policy. The notes contained herein do not form any part of the insurance and are issued purely for guidance information purposes. No representations are given nor implied by this information sheet.

The following is a summary of cover that is available from a Travelandinsure policy:

• Cancellation and Curtailment Costs.
• Medical Costs
• Hospital and Mugging Benefit.
• Personal Accident.
• Travel Delay.
• Abandonment.
• Missed Departure.
• Personal Effects and Money.
• Delayed Baggage.
• Passport.
• Personal Liability.
• Overseas Legal Expenses.
• Catastrophe Cover.
• Hijack Cover.
• Inconvenience Cover.
• Withdrawal of Services Cover.
• Dynamic Packaging Cover.
• Winter Sports Cover.
• Business Cover.
• Golf Cover
• Wedding Cover.

Cancellation and Curtailment Costs

If you have to cancel your holiday as a result of sickness or injury to yourself or that of a close family relative or business partner then this insurance will respond up to the sum insured to cover the cost of the holiday. You will need to obtain cancellation costs from the tour operator, travel agent or holiday supplier and it is very important to make sure that you advise your holiday company immediately you become aware of the need to cancel your holiday as failure to do so may have the effect of reducing your claim under the insurance. The policy will even cover you for loss of deposit with a reduced excess applicable. The policy will also respond if you have to cut short (curtail) your trip for an insured reason. A pro rata payment would be made reflecting the number of days of holiday lost. (Back to top)

Medical Costs

The policy will pay for costs incurred, subject to the limits contained within the sum insured, for all medical treatment which has been necessary as a result of actual or threatened bodily injury, sickness or death during the trip. It does not cover medical costs incurred within the UK. It will include doctors fees, hospital treatment and medication along with costs to bring you back to the UK should that be necessary. (Back to top)

Hospital and Mugging Benefit

Not Available under the Bronze Cover.
Should you have to spend time in an overseas hospital, then this benefit will help to pay for basic “additional” costs which you or your travelling companion may incur. (Back to top)

Personal Accident

Not Available under the Bronze Cover.
This section of the policy will respond if you have a serious accident and are unfortunate enough to lose the use of a limb, eye or in the event of death. For children under 16 years and adults 65 years and over, the death benefit is reduced. (Back to top)

Travel Delay

If your pre-booked public transport is delayed due to strike, riot, civil commotion, accident, mechanical breakdown, bad weather or avalanche we will pay a benefit after the first 12 hours of delay, and for every full 6 hours of delay thereafter, up to a maximum amount as detailed in the policy schedule. (Back to top)

Abandonment

Not Available under the Bronze Cover.
If, following a delay, you decide that you wish to abandon your trip then the policy will respond as per the cancellation sum insured and excess. Please note that the Abandonment option differs according to length of trip being taken. (Back to top)

Missed Departure

We will pay for additional accommodation and travel expenses if you arrive too late at the departure point in order to enable you to reach your intended overseas (or return UK) destination. The cause for the late arrival must be beyond your control and certain exclusions do exist. (Back to top)

Personal Effects & Money

Not Available under the Bronze Cover.
This travel insurance is designed to cover you for loss or damage to your personal effects taken on holiday. It is not designed to be a substitute for a full “all risks” household policy. It carries very strict limits both for valuables (as defined) and single items. It is not a “new for old” policy and will apply reasonable deductions for wear and tear. For photographic and audio equipment trade price lists will be used to establish the second hand value. You will be required to prove the value of your loss as well as provide evidence that the loss was reported to police authorities, airlines etc as applicable. You must provide written evidence, such as a police report or Property Irregularity Report (PIR). For further details please refer to the policy wording. Restrictions and exclusions do apply which are common to most travel insurance policies. (Back to top)

Delayed Baggage

Not Available under the Bronze Cover.
If your luggage is delayed for over 12 hours on your outward journey, then you will be covered up to the amount shown in the schedule for emergency items you may need to buy. You will need to keep all receipts in order to validate your claim, as well as a receipt from the carrier confirming the periods of delay of your bags. As a special arrangement, we have also been able to include an additional amount to cover your ski equipment, golf equipment and business equipment where the appropriate options have been selected at the time of purchasing the insurance. Should your bags not arrive and are deemed permanently lost by the carrier, then any amount paid under the delayed baggage section would be deducted from any final settlement for your lost luggage. (Back to top)

Passport

Not Available under the Bronze Cover.
Provided it has not been left unattended, if your passport is lost or stolen, the policy will pay for additional travel and accommodation expenses incurred in obtaining a replacement as well as the pro rata cost for the unexpired portion of the passport. This section will only respond if costs are incurred whilst abroad. (Back to top)

Personal Liability

Should you become legally liable following accidental damage to another persons property or injure another person, then the policy will provide protection up to the sums insured against any claim brought against you. It does not cover deliberate or criminal acts nor will it cover liability claims were you are contractually liable or liable under law i.e. Motor Accident or Marine Liability under a hire contract. (Back to top)

Overseas Legal Expenses

The policy will respond to legal costs incurred should you be injured or die during your trip. It does not cover you to pursue claims for breach of contract, or claims for loss of enjoyment. There are strict conditions which apply and should you need to make a claim under this section, then you are strongly advised to contact the Claims telephone service before taking any decisions. (Back to top)

Catastrophe Cover

Not Available under the Bronze Cover.
In the event of a natural catastrophe such as fire, earthquake, storm or medical epidemic making it necessary for you to move from your pre-booked accommodation, then you will be covered for unrecoverable additional travel and accommodation costs either to continue with your trip or return home. (Back to top)

Hijack Cover

Not Available under the Bronze and Silver Cover.
Should you be involved in a hijacking, then the Gold policy will respond up to the limits shown. (Back to top)

Inconvenience Cover

Not Available under the Bronze and Silver Cover.
This is another great additional benefit under the Gold Cover. Should you be delayed in your return to the UK and you incur additional costs such as childcare, kennel fees, or car parking costs, then the policy will respond, subject to limits. It will also respond should you, unless another member of your party can drive your car, be unable to drive as a result of an insured risk whilst abroad, i.e. a broken leg. We will pay the costs of returning your car or providing you with a driver to get you home. (Back to top)

Withdrawal of Services

Not Available under the Bronze Cover.
The Silver and Gold policies, provide a benefit cover against complete withdrawal of essential services, such as water, electricity and kitchen facilities, through strike or industrial action at your pre-booked accommodation. (Back to top)

Dynamic Packaging

Not Available under the Bronze Cover and Silver Cover.
This will cover you for any unrecoverable costs from third parties who become insolvent within your booking, such as hotels, car hire and ferries. (Back to top)

OPTIONAL SECTIONS

Winter Sports Cover

Winter Sports cover is included as standard on all our annual policies. It is offered as an optional cover within all of our single trip policies, subject to the limits shown within the schedule. The following losses incurred, whilst on a wintersports holiday, would be covered. (Back to top)

a. Equipment

Your ski equipment is covered, additional to your baggage. It will respond for the cost of hiring replacement equipment should yours be lost or damaged subject to limits. It will also respond to cover you for equipment that you have hired and for which you are responsible. Delayed equipment is also covered like delayed baggage. (Back to top)

b. Ski Pack

If you are unable to ski or snowboard following an insured risk, the policy will pay you for the pro rata loss of your ski pass, lessons and hire equipment. It will also respond should you lose your ski pass, provided you have reported the loss to the ski lift operators/police within 24 hours and obtained a proof of loss statement from them. (Back to top)

c. Piste Closure

Should your resort be closed for a complete day, as a result of weather conditions, avalanche, strikes, or power failure and you are unable to use the facilities, then the policy will respond for either the cost of transport to another resort or provide you with a daily benefit, subject to limits within the schedule. (Back to top)

Business Cover

Not Available under the Bronze Cover.
Your business equipment, including computers and samples, is insured in addition to the personal baggage cover. There is cover for damage or delayed items during the journey and the option to hire replacement items upon arrival. Additionally, there is protection should you need to courier replacements to yourself. (Back to top)

Golf Cover

Not Available under the Bronze Cover.

a. Equipment

Your golf equipment is insured, subject to the sums insured for loss or theft whilst on your trip. It does not cover you for equipment left unattended. Should your equipment be delayed for more than 12 hours on its outbound journey, then an additional sum insured for delayed luggage applies. You will need to provide documents from the carriers showing the time of delivery and receipts for any hired equipment. Any subsequent claim for permanent loss of the equipment will be reduced by any amount paid under the delayed section of the policy. (Back to top)

b. Green Fees

If you arrive late at your destination for any reason beyond your control and are unable to play your game, then the cost of the green fees will be met, subject to policy limits. (Back to top)

c. Hole in One

Subject to independent verification, the policy will provide a benefit to help defray the cost of your success! (Back to top)

Wedding Cover

Not Available under the Bronze Cover.
In addition to the personal Baggage Section, extra sums insured are given for wedding clothes, rings, and gifts against damage, theft or delayed arrival. Cover is also provided for your photographs/video recordings in the event that the photographer is unable to fulfil their obligations due to their injury or illness on the day or if the photographs are subsequently lost, stolen or damaged up to 14 days after the wedding ceremony. (Back to top)

Disclaimer

The policy wordingshould be read in conjunction with this summary. No representation made herein will override any terms or condition of the policy, whether specific or implied. In the event of a dispute, the policy wording shall be deemed the basis of the insurance contract and no statement contained herein shall have any effect. This summary is issued for information purposes only.