LV= Travel Insurance Policy Summary

Transcription

1 LV= Travel Isurace Policy Summary This documet is a summary of your policy. The full terms ad coditios of your policy ca be foud i the isurace booklet, importat iformatio leaflet ad your isurace schedule. The isurace policy is uderwritte by Liverpool Victoria Isurace Compay Limited. If you have a Premier policy, the cover for bakruptcy of a ed provider of a elemet of your trip (Sectio L) is provided by Iteratioal Passeger Protectio Limited. The 24-hour assistace service ad claims for emergecy medical assistace are hadled by Cega Group Services Limited. Type of isurace ad period of cover The LV= travel policy is oly available to people livig i Eglad, Wales, Scotlad, Norther Irelad, Isle of Ma ad the Chael Islads. The policy you have chose (Essetial or Premier) ad whether it is a sigle trip policy or aual multi-trip policy will be show o your schedule. Your schedule will also show the period you are covered for, ay optioal covers you ve chose, ad ay special terms that apply to your policy. Aual multi-trip isurace is available to people 79 years of age or uder. The maximum trip legth covered o the Essetial policy is 31 days ad the maximum trip legth covered o the Premier policy is 90 days. Sigle trip isurace does t have a maximum age limit. For customers uder 65 years of age the maximum trip legth is 366 days. For customers aged 65 years or over the maximum trip legth that ca be covered is 90 days. If you have chose cover for witer sports the maximum umber of days covered durig the year o a aual multi-trip policy is 17 days o the Essetial policy ad 31 days o the Premier policy. Thigs you kow about before you take out isurace or book a trip This policy does ot cover ay evet or situatio you kow about before you took out the policy or before you booked a trip, excursio or activity, uless you ve told us about it ad we ve agreed to cover it ad this is show o your schedule. This icludes: medical coditios of relatives or travellig compaios if you re aware their coditio may result i you havig to cacel or cut short your holiday for istace because they have a coditio that is ustable or likely to deteriorate evets that have bee aouced i the media, such as strikes if, whe you take out a policy, you re havig or waitig to have ay medical ivestigatios or tests, or the results of ay ivestigatios or tests 1 KEY FACTS OF LV= TRAVEL INSURANCE

2 Importat health iformatio ad exclusios There is o cover uder this policy for ay pre-existig medical coditios or aythig that is i ay way related to pre-existig medical coditios uless we ve bee told about them all ad agreed to cover them ad this is show o your schedule. It is very importat that you read ad uderstad our defiitio of a pre-existig medical coditio ad the health declaratios ad health exclusios sectio of the policy booklet. We defie the followig as pre-existig medical coditios. If at ay poit i the life of ayoe to be isured they ve suffered from: a heart coditio a breathig coditio such as asthma a circulatory coditio such as strokes or high blood pressure a gastroitestial or digestive tract problem a boe or joit coditio ay form or type of cacer If i the last 12 moths ayoe to be isured has had, or bee recommeded to have, ay: medical ivestigatio or tests for ay coditios or symptoms that relate to a diagosed coditio treatmet or surgery for ay coditios or symptoms that relate to a diagosed coditio prescribed medicatio for ay coditios or symptoms that relate to a diagosed coditio If the medical health of ayoe isured o the policy, or travellig with you, chages i ay way, you must tell us at the reewal of your policy; this is importat as we may require a additioal premium to be paid, apply special terms or may ot be able to cotiue coverig pre-existig coditios. You do t eed to tell us about ay chages to the health of ayoe isured o the policy durig the policy period but everyoe must be fit to travel. If at the time of bookig a trip, someoe travellig is havig or waitig to have ivestigatios or tests, there will be o cover to cacel or cut short the trip because a follow up appoitmet or surgery is scheduled durig it. There is also o cover for claims relatig to the health of someoe ot isured o the policy (such as a relative or travellig compaio or someoe you re goig to stay with) if, at the time you take out or reew a policy, or before you book a trip, they have a medical coditio that is ustable or likely to deteriorate or are havig ivestigatios or tests. Sigificat restrictios or coditios that apply to the whole policy Pre-existig medical coditios that exist whe you take the policy out (or at reewal) are ot covered uless we ve bee told about them ad these are show as covered o your schedule. Trips i Eglad, Wales, Scotlad, Norther Irelad, Isle of Ma ad the Chael Islads are oly covered if you have pre-booked accommodatio, are more tha 25 miles from your home or your jourey ivolves a sea crossig. 2 KEY FACTS OF LV= TRAVEL INSURANCE

3 You must take care to protect yourself ad your property ad act as if you are ot isured. This icludes keepig valuables with you ad usig public medical facilities wheever these are available. The policy does ot cover travel to areas where the Foreig ad Commowealth Office (FCO) has advised agaist all travel or all but essetial travel uless we ve agreed to cover your trip as beig essetial ad this is show o your schedule. You must cotact us as soo as possible with full details of aythig that may result i a claim. You must provide us with evidece for all claims ad give us all the iformatio we ask for. If there is a cost for obtaiig ay iformatio, such as a medical history, this will be at your ow expese. You must accept our decisios about the most suitable, practical ad reasoable solutios to ay situatio, icludig directig you to a specific hospital or medical facility ad sedig you home at ay time if you are take ill or ijured. If a claim is covered by aother policy we ll oly make a paymet if all the cover uder that policy has bee used up, uless the claim is for baggage, i which case we ll oly pay our share. We ll oly exted the period of isurace beyod the cover ed date show o your policy schedule o a sigle trip policy if there has bee a chage i circumstaces beyod your cotrol. We wo t exted the period of isurace o a aual multi-trip policy beyod the cover ed date. We wo t cover aythig related to maual work or work ivolvig machiery. We wo t cover aythig that happes if you take part i a activity uless it is listed as covered i the documet of isurace for the policy level you have or it is stated as beig covered o your schedule. This does ot apply to sectio A. We wo t cover ay claim uder sectios B, C, D, E or F that result from you takig part i a witer sports activity, uless you have chose cover for witer sports ad it s show as covered o your schedule. We wo t cover ay claim that results because you or a travellig compaio has druk eough alcohol to result i your or their judgemet beig seriously affected. We wo t provide ay cover because you or a travellig compaio are uder the ifluece of drugs or as a direct or idirect effect of you usig alcohol, drugs or solvets. If you are travellig o a scooter, moped or motorcycle, as a rider or passeger, you will oly be covered if you wear a crash helmet ad the rider is licesed to use such a vehicle i the UK (or appropriate valid licece i the coutry the motorcycle is beig ridde if the perso drivig is a o UK residet ad the machie is 125cc or uder). We wo t cover you for ay claim caused or related to war, civil war, rebellio, revolutio or terrorism. This exclusio does t apply to sectio D: medical emergecy ad related expeses, sectio E: persoal accidet or sectio K: additioal trasport ad accommodatio costs, except where uclear, chemical or biological weapos, devices or agets are used. KEY FACTS OF LV= TRAVEL INSURANCE 3

4 The followig sectios apply to both the Essetial ad Premier policies Excess Sectio of cover Limit of cover per perso per perso A. If you eed to cacel your trip Essetial 5, before you travel Premier 10,000 B. If you eed to cacel Essetial 5, excursios or activities Premier 10,000 while o your trip C. If you eed to cut short/cacel Essetial 5, your trip after you ve travelled Premier 10,000 D. Emergecy medical ad 50 related expeses If the area of cover show 10 millio o your schedule is Europe or Worldwide If the area of cover show 2,000 o your schedule is UK E. If you die, lose your sight or 25,000 Nil a limb, or are permaetly (some age restrictios apply) disabled because of a accidet F. Cover if you re legally 2 millio Nil resposible for damage or loss to a perso or property G. Legal advice ad 25,000 Nil expeses cover (max 50,000 per policy) H. Hijack or kidap cover 2,000 Nil The followig sectios oly apply if you have a Premier policy ad this is show o your schedule Sectio of cover Limit of cover per perso Excess per perso I. If you re delayed at your 250 Nil departure poit ( 25 for each 12 hours) J. Cacellatio (abadomet) 10, cover if your trasport is delayed for more tha 24 hours or cacelled K. Additioal trasport ad/or 1,000 Nil accommodatio costs L. If your trasport, 10,000 Nil accommodatio or excursio provider goes bakrupt 4 KEY FACTS OF LV= TRAVEL INSURANCE

5 The followig sectio oly applies if you have selected cover for baggage/persoal belogigs ad this is show as covered o your schedule Sectio of cover M. Cover for items you take o a trip Part 1 Replacemet or hire of essetial baggage items while o a trip Essetial policy Limit of cover per perso Premier policy Limit of cover per perso Nil Excess per perso Part 2 Damaged, lost or stole baggage ad valuables Overall limit 2,000 Total valuables limit 300 Sigle item limit 300 Overall limit 3,000 Total valuables limit 500 Sigle item limit Part 3 Loss or theft of persoal moey 500 (cash limit 300) 500 (cash limit 300) 50 Part 4 Loss of your passport Part 5 Loss of your drivig licece If your schedule shows you have cover for a cruise the followig cover also applies: Sectio of cover N. Cruise cover Part 1 Cover to re-joi the cruise after illess Part 2 Cover if you miss a port departure Part 3 Compesatio if a scheduled port stop is cacelled Part 4 Cabi cofiemet Essetial policy Limit of cover per perso Premier policy Limit of cover per perso 1,000 1,000 Nil No cover 1,000 Nil 150 per port 150 per port Nil 100 per day up to 1, per day up to 1,500 Excess per perso NIl KEY FACTS OF LV= TRAVEL INSURANCE 5

6 Sectio of cover A if you eed to cacel your trip before you travel B if you eed to cacel excursios or activities while o your trip C if you eed to cacel / cut short your trip after you ve travelled Summary of the mai features, beefits ad restrictios (please remember the restrictios show above also apply ad to refer to the Documet of isurace for full details) Cover for trip expeses you ve paid but have t used ad ca t get back from aywhere else if you eed to cacel your trip because: you, a relative, someoe you re goig to stay with or have booked to travel with, dies, is seriously ill or seriously ijured the FCO advises agaist travel to your plaed destiatio We wo t cover ay charges you have to pay because you did t tell the provider as soo as you kew you had to cacel Cover for excursio or activity expeses (icludig witer sports tuitio fees) if you have to cacel while o a trip because you re seriously ijured or ill, or a travellig compaio you re booked to go o the excursio or activity with is seriously ijured or ill ad you eed to provide them with assistace Cover if your witer sports tuitio is cacelled because of bad weather or o sow at your pre-booked resort Cover for each full day you re uable to use your pre-paid lift pass because the lifts are t i use We wo t pay for ay lost costs if you cut your trip short. If this happes we will oly pay uder sectio C Cover for uused trip expeses you ca t get back from aywhere else based o each full 24 hour period you have lost if you have to cut short a trip because: you, a relative, someoe you re goig to stay with or booked to travel with, dies or is seriously ill or ijured you are hospitalised for the rest of your trip the FCO advice is to leave the area you re stayig i We wo t cover ay costs for illess or ijury if you do t get a medical certificate sayig it was ecessary for you to come home or stay i hospital We wo t cover the cost of your origial pre-booked trasport tickets if you have t used them ad we ve paid to get you home 6 KEY FACTS OF LV= TRAVEL INSURANCE

7 Sectio of cover D emergecy medical & related expeses E if you die, lose your sight or a limb, or are permaetly disabled F if you re legally resposible for damage or loss to a perso or property Summary of the mai features, beefits ad restrictios (please remember the restrictios show above also apply ad to refer to the Documet of isurace for full details) Cover for medical ad surgical expeses, medicatio, hospital or ursig service charges Cover for reasoable extra trasport (but ot taxi fares) ad accommodatio costs, icludig gettig you back home if you ca t use your pre-arraged retur trasport 25 for each full 24-hours of hospitalisatio up to a maximum 1,000 We must be told if you eed to go ito hospital or thik you may have to come home early or exted your trip because of illess or ijury You must get treatmet at a medical facility that participates i the reciprocal health agreemet with the UK wheever this is available. Detal treatmet is ot covered except to relieve sudde pai ad up to a maximum 250 We wo t cover ay taxi fares or telephoe calls Cover is provided if you re ivolved i a exteral, visible accidetal icidet that results i: death permaet loss of sight i oe or both eyes permaet loss of oe or both hads or feet you beig left with a permaet physical disability ad there is o paid work you ca do ad you re less tha 66 years of age We wo t pay more tha 25,000 for oe accidet Cover for costs ad compesatio you have to pay if you re legally resposible for ijury to a perso or damage to property that happes while you re o a trip We wo t cover ay liability for: bodily ijury or death of you, ayoe travellig with you or a relative aythig caused by ayoe employed by you, a travellig compaio or a relative aythig caused by motorised or mechaical vehicles, aircraft, watercraft, or you usig ay firearm or weapo G legal advice & expeses If you are ill, ijured or die durig a trip ad wat to claim damages or compesatio for egligece agaist someoe We wo t cover ay claim ivolvig legal actio betwee members of the same household, a relative, travellig compaio or employee We wo t cover ay claim agaist a travel aget, tour operator, carrier, us, our aget, or aother perso isured by the policy We wo t cover ay claim you do t report withi 90 days of the evet that leads to the claim H hijack or kidap 25 for each 24 hours you re held by hijackers or kidappers Costs to help egotiate your release KEY FACTS OF LV= TRAVEL INSURANCE 7

8 Sectio of cover I if you re delayed at your departure poit (Premier policy oly) Summary of the mai features, beefits ad restrictios (please remember the restrictios show above also apply ad to refer to the Documet of isurace for full details) A beefit paymet for refreshmets, phoe calls etc if your flight, trai, coach or sea vessel is delayed leavig for more tha 12 hours The trasport must have bee pre-booked You must be waitig at the airport, port or statio your trasport is due to leave from J cacellatio If your pre-booked trasport is delayed for more tha 24 (abadomet) if your hours, or cacelled ad o alterative is foud withi 24 trasport is cacelled or hours you ca cacel your trip ad claim uused trip delayed for more tha expeses you ca t get back aywhere else 24 hours (Premier policy If you re delayed more tha 24 hours but cotiue with oly) your jourey we will pay for each full 24 hours of lost accommodatio costs If you re o a multiple destiatio trip or have coectios, we ll oly pay cacellatio after the first part of your trip if there s a good reaso for you ot wishig to cotiue your trip K additioal trasport ad/or accommodatio costs (Premier policy oly) If you miss your pre-booked departure because: the public trasport does t ru to time a icidet occurs o the highway you re travellig o that results i a severe delay that ca t be avoided the vehicle you re travellig i is ivolved i a accidet or breaks dow of severe adverse weather If your pre-booked departure is delayed by (or cacelled ad o alterative ca be arraged for) more tha 24 hours For you to get to your destiatio or home if your flight is diverted or redirected after take off For you to get to the earest alterative ski resort if the oe you re booked to use is closed because of bad weather or o sow We wo t make ay paymet that is t additioal to costs you were expectig to pay We wo t pay if the failure of the public trasport bega or was aouced before you left home ad you could have reasoably made other travel arragemets We wo t pay ay subsistece costs uless you had prepaid for these withi your accommodatio cost for the period you re delayed ad you re ot claimig uder sectio I We wo t pay ay claim uder this sectio if you make a claim for cacellatio of your trip uder sectio J 8 KEY FACTS OF LV= TRAVEL INSURANCE

9 Sectio of cover L if your trasport, accommodatio or excursio provider goes bakrupt (Premier policy oly) Summary of the mai features, beefits ad restrictios (please remember the restrictios show above also apply ad to refer to the Documet of isurace for full details) This cover is provided by Iteratioal Passeger Protectio whe a ed supplier (provider) goes isolvet Before you start your trip: cover for costs paid to the isolvet ed supplier that you ca t get back After you have started your trip: extra costs to replace the part of the isolvet ed supplier s arragemets to a similar stadard to what you origially booked Up to 1,500 for other lost or additioal costs that result directly because of the ed supplier isolvecy There is o cover if the arragemets form part of a package / iclusive holiday or the provider is a travel aget, tour orgaiser, bookig aget or cosolidator There is o cover if there was ay threat of isolvecy whe your policy or travel tickets were bought (whichever is doe last) There is o cover if the provider was isured or boded elsewhere eve if that cover is ot sufficiet to meet the claim No claim submitted six moths or more after the failure of the ed supplier will be paid If cover for baggage / persoal belogigs has bee selected M, Part 1 Paymet for essetial replacemet items, icludig the replacemet or hire of hire of sports equipmet o a daily basis, if yours is essetial baggage items while o a trip missig for more tha 12 hours from whe you arrived at your destiatio or lost or damaged while o a trip Ay paymet made for replacemet items will be take off ay claim made uder part 2 of this sectio M, Part 2 damaged, If your baggage or valuables are damaged, stole or lost or stole baggage destroyed while o a trip ad valuables We wo t pay for ay loss or theft if you do t report the theft to the local police or loss to a appropriate perso withi 24 hours of discovery of the icidet ad obtai a writte report from them We wo t pay for ay loss, theft or damage that happes while i trasit if you do t report it to the carrier withi 24 hours of discovery ad obtai a copy of the Property Irregularity Report We wo t cover baggage uless it is with you or locked i the accommodatio you re usig o your trip KEY FACTS OF LV= TRAVEL INSURANCE 9

10 Sectio of cover Summary of the mai features, beefits ad restrictios (please remember the restrictios show above also apply ad to refer to the Documet of isurace for full details) M, Part 3 loss or Loss of persoal moey while o a trip theft of persoal We wo t pay for ay loss or theft if you do t report the moey theft to the local police or loss to a appropriate perso withi 24 hours of discovery of the icidet ad obtai a writte report from them We wo t cosider ay claim uless you ca provide a receipt for the amout you had from the place you got the currecy We wo t cover ay moey uless it is with you all the time or locked i a safe or locked i the accommodatio you are usig o your trip M, Part 4 loss of If your passport is lost, stole or destroyed durig your your passport trip, we will pay for the cost of extra trasport, accommodatio ad admiistratio costs you have to pay to get a temporary passport so you ca retur home ad the equivalet cost of the period left o your passport M, Part 5 loss of If your drivig licece is lost or destroyed durig a trip ad your drivig licece you eed to provide evidece of it to the police or so you ca cotiue your jourey, we ll pay for the cost of extra trasport, accommodatio ad admiistratio costs We wo t pay ay costs for you to retur home to pick up a replacemet or ew drivig licece N cruise cover (applies if your schedule shows you have this cover) N, Part 1 cover to rejoi If you have treatmet o lad ad are the well eough to the cruise after illess rejoi the cruise, we ll pay to get you back oto the cruise at the ext port. If you have less tha two ights of the cruise remaiig we may istead pay for additioal trasport costs to get you home, or pay additioal accommodatio / travel costs so you re able to use your origial travel tickets to get home You must cotact us before icurrig ay costs N, Part 2 cover if you miss Cover for extra costs you have to pay to get back oto the a port departure (Premier cruise vessel if you miss its scheduled departure because policy oly) of delays while returig from a pre-booked excursio N, Part 3 compesatio if A beefit paymet if the cruise does t make a scheduled a scheduled port stop port stop because of bad weather or timetable restrictios is cacelled N, Part 4 A beefit paymet for each day you have to stay i your cabi cofiemet cabi o the orders of the medical officer of the cruise 10 KEY FACTS OF LV= TRAVEL INSURANCE

11 Your rights to cacel your isurace For sigle trip policies where the cover start date to the cover ed date is 28 days or less No refud of premium will be give For policies that have a cover period of more tha 28 days You have up to 14 days to cacel your policy after you receive your documets If the cover does t meet your eeds, you ca cacel your isurace by tellig us. We ll the refud ay moey you ve paid withi 30 days of you tellig us you d like to cacel. If we ve already paid a claim this must be repaid by you withi 30 days before we ll refud your premium. More tha 14 days after you receive your documets After the iitial 14 day period we wo t refud ay premium eve if you ve ot travelled or made a claim. Cacellatio at reewal We ll sed you a reewal ivitatio aroud three weeks before your reewal date. This will show your reewal premium ad ay chages to your cover. If you reew but the decide to cacel, provided you tell us before your reewal date, we ll refud what you ve paid i full. If you cacel after your reewal date has passed you will be charged i lie with the cacellatio rules detailed above. We reserve the right ot to ivite reewal of your policy. If this is the case we ll write to you aroud three weeks before the policy ed date explaiig the reaso. To cacel your isurace cover Please call us o (for TextDirect please dial first). How to report a claim If you thik you may have to cacel or cut short a trip, you should call the 24 hour assistace lie. Similarly, you should call this umber if you have a accidet or become ill while you re away ad eed to go ito hospital or your medical expeses are likely to be more tha 500. The 24 hour assistace helplie is For all other claims, or for medical expeses of less tha 500, you should call us whe you retur home o KEY FACTS OF LV= TRAVEL INSURANCE 11

12 How do I complai? If you have a complait about your policy or the service you have received, please cotact us by phoe o (for TextDirect please dial first). If you prefer to write, please address your letter to Box 2, LV=, Couty Gates, Bouremouth, BH1 2NF. Please quote the policy umber i all correspodece. A copy of our iteral complaits procedure is available o request. If we caot resolve your complait, you may refer your complait to the Fiacial Ombudsma Service withi six moths of receivig our fial respose letter. The address is: Fiacial Ombudsma Service, Exchage Tower, Harbour Exchage Square, Lodo E14 9SR. Telephoe or (from mobile or o BT lies). complait.ifo@fiacial-ombudsma.org.uk. Makig a complait will ot affect your right to take legal actio. What happes if we are uable to meet our liabilities? If we re uable to meet our liabilities to our policyholders, you may be able to claim compesatio from the Fiacial Services Compesatio Scheme (FSCS). There are differet levels of compesatio, depedig o what kid of isurace you have: Compulsory isurace such as third party motor isurace, is covered for 100% of the claim. No compulsory isurace, such as travel isurace, is covered for 90% of the claim. You ca get further iformatio from the Fiacial Services Compesatio Scheme. 10th Floor, Beaufort House, 15 St Botolph Street, Lodo, EC3A 7QU. Telephoe or or , equiries@fscs.org.uk. You ca get this ad other documets from us i Braille, large prit or o audiotape by cotactig us. LV= ad Liverpool Victoria are registered trade marks of Liverpool Victoria Friedly Society Limited ad LV= ad LV= Liverpool Victoria are tradig styles of the Liverpool Victoria group of compaies. Liverpool Victoria Isurace Compay Limited, registered i Eglad ad Wales umber is authorised by the Prudetial Regulatio Authority ad regulated by the Fiacial Coduct Authority ad the Prudetial Regulatio Authority, register umber Registered address: Couty Gates, Bouremouth BH1 2NF. Tel: /14