CONTACT US: CLAIMS: MEDICAL ASSISTANCE: +44 (0)

Transcription

1 CONTACT US: CLAIMS: MEDICAL ASSISTANCE: +44 (0)

2 Table of Contents If you are viewing this document on-screen, the below links can be used to go to the relevant section. Policy Summary... 1 Arranged by... 1 Insurer... 1 Purpose of the Insurance... 1 Period of cover... 1 Single Trip and Annual Multi-trip cover summary... 2 Cruise cover summary... 3 Wedding cover summary... 3 Winter sports cover summary... 4 Business Equipment cover summary... 4 Golf cover summary... 5 Principal Exclusions and Limitations Policy Reference 5 Hazardous Pursuits... 5 Sports and Activities... 5 General Exclusions... 5 Personal Property and Personal Money... 5 Personal Money and Loss of Passport... 5 Excesses... 5 Duration of Cover... 5 Important Features of your Travel Insurance:... 6 If you change your mind... 6 Making a Claim... 6 Your right to Complain... 6 The Financial Services Compensation Scheme... 6 Medical Health Requirements... 5 Health & Pre-existing Medical Conditions... 5 Policy Summary This Policy Summary is to help you understand the insurance that your Policy provides. It details the key features, benefits, limitations, and exclusions, but you still need to read the Policy Wording for a full description of the terms of the insurance, including the policy definitions, together with the Schedule, and any endorsements, applying to your policy. The levels of cover and excesses which apply to your insurance are detailed in the Schedule of Cover & Limits. Important Features of your Travel Insurance is detailed on pages 6 and 7 of your Policy Wording. This Policy Summary does not form part of the Policy Wording. Arranged by This policy has been arranged by NOW Travel Insurance Services which is a trading name of Less Clicks Limited who are authorised and regulated by the Financial Conduct Authority (FCA), firm reference number Less Clicks Limited is a company registered in England and Wales with company number , registered address 62 Wilson Street, London, EC2A 2BU. Insurer This insurance is underwritten by HCC International Insurance Company plc. A subsidiary of HCC Insurance Holdings, Inc., HCC International Insurance Company plc is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority (FCA) and the Prudential Regulation Authority. Registered in England and Wales No Registered office: Walsingham House, 35 Seething Lane, London, EC3N 4AH. Financial Services Register number These details can be checked on the Financial Services Register by visiting: or contacting the Financial Conduct Authority on Purpose of the Insurance To provide financial protection and emergency assistance for your trip(s). Period of cover As stated on your Policy Schedule. Page 1

3 Single Trip and Annual Multi-trip cover summary EXCESS Cancellation and Curtailment 1,000 2,500 3,500 10,000 Medical Expenses & Emergency Repatriation Emergency Repatriation Up to 15,000,000 Up to 15,000,000 Up to 15,000,000 Up to 20,000,000 Dental Expenses Hospital Benefit 15 per day up to per day up to per day up to per day up to 500 Personal Effects and Baggage 2,000 2,000 2,000 3,000 Single Item Limit Valuables Limit Delayed Baggage N/A 25 per 12 hours up to per 12 hours up to per 12 hours up to 750 Loss of Travel Documents N/A Money & Cash Cash Limit Travel Delay 10 per 12 hours up to per 12 hours up to per 12 hours up to per 12 hours up to 300 Personal Accident Permanent Total Disablement 5,000 25,000 25,000 50,000 Loss of Limb(s)/Eye(s) 5,000 25,000 25,000 50,000 Death 5,000 25,000 25,000 50,000 Death (below18) 1,000 2,500 2,500 5,000 Additional Accommodation Expenses ,000 1,000 Pet Care 25 per day up to per day up to per day up to per day up to 250 Personal Liability 1,000,000 1,000,000 2,000,000 2,000,000 Legal Expenses 5,000 10,000 12,500 25,000 Scheduled Airline Failure 1,500 1,500 1,500 1,500 Page 2

4 Mugging N/A ,500 Missed Departure N/A ,500 Travel Dispute Professional Fees (subject to the payment of an additional premium) 25,000 25,000 25,000 25,000 Natural Catastrophe Additional Cancellation 1,500 1,500 1,500 1,500 Additional Expenses 150 per day up to 1, per day up to 1, per day up to 1, per day up to 1,500 Replacement Accommodation 150 per day up to 1, per day up to 1, per day up to 1, per day up to 1,500 Travel Delay 25 per 12 hours up to per 12 hours up to per 12 hours up to per 12 hours up to 250 Cruise cover summary Missed port 1,000 1,000 1,000 1,000 Cabin Confinement 1,000 1,000 1,000 1,000 Itinerary Change 150 per port 150 per port 150 per port 150 per port Unused Excursions Cruise Interruption 15 per day up to per day up to per day up to per day up to 500 Emergency Air Evacuation Necessary Costs Necessary Costs Necessary Costs Necessary Costs Wedding cover summary Rings Limit Wedding Attire Limit 1,000 1,000 1,000 1,000 Wedding Gifts Limit 1,000 1,000 1,000 1,000 Wedding Photos and Video Recording Limit Page 3

5 Winter sports cover summary Ski Equipment - owned 300 owned 1,000 owned 1,250 owned 1,250 owned Single Item Limit Ski Equipment - hired 150 hired 500 hired 500 hired 500 hired Single Item Limit Ski Hire 15 per day up to per day up to per day up to per day up to 500 Ski Pack 15 per day up to per day up to per day up to per day up to 500 Piste Closure 10 per day up to per day up to per day up to per day up to 400 Delay due to Avalanche Business Equipment cover summary Business Equipment Up to 1,000 Up to 1,000 Up to 1,000 Up to 1,000 Single Item Limit Computer Equipment single and total item limit 1,500 1,500 1,500 1,500 Samples Delayed Business Equipment up to 200 up to 200 up to 200 up to 200 Emergency courier of essential business equipment up to 200 up to 200 up to 200 up to 200 Business Equipment Hire 50 per day up to per day up to per day up to per day up to 500 Business Money Up to 1,000 Up to 1,000 Up to 1,000 Up to 1,000 Cash Limit Additional Personal Accident Normal benefit x 2 Normal benefit x 2 Normal benefit x 2 Normal benefit x 2 Page 4

6 Golf cover summary Golf Equipment Up to 1,500 Up to 1,500 Up to 1,500 Up to 1,500 Single Item Limit Golf Equipment Hire 20 per day up to per day up to per day up to per day up to 200 Non-refundable Golfing Fees 75 per day up to per day up to per day up to per day up to 300 Hole in one Principal Exclusions and Limitations Policy Reference Medical Health Requirements Restrictions in cover apply if a claim is made relating to a medical condition, illness, or injury of the Insured Person(s), or any person who your travel depends on, which you or they knew about before you bought this insurance, or which develops before the travel to which this insurance applies begins. It is very important that you refer to these details on page 6 of the Policy Wording. Health & Pre-existing Medical Conditions Pages 8 of the Policy Wording. Hazardous Pursuits You are not covered for taking part in any Hazardous Pursuit unless you have paid the appropriate premium and it is listed in the policy wording. If you are going to take part in any activity which may be considered dangerous or hazardous that is not detailed within the policy wording, please contact the selling agent who will contact us to see if we can provide cover. Please note that under Personal Liability section you will not be covered for liability caused directly or indirectly by your owning or using any firearms or weapons, animal, aircraft, motorised vehicle, boat and other watercraft, or any form of motorised leisure equipment, including jet skis and snowmobiles. Sports and Activities Pages 12 and 13 of the Policy Wording. General Exclusions Page 28 of the Policy Wording. Personal Property and Personal Money Cover is provided for loss, damage, or theft of your Personal Property, including Personal Money and Loss of Documents. We may, however, take off an amount for wear and tear when settling a claim, depending on the age and condition of the property. Cover is only provided up to maximum amounts for individual items, valuable items, and cash within the overall limit. The Policy Wording provides full details of these limits. Personal Money and Loss of Passport Page 16 of the Policy Wording. Excesses Certain sections of cover are subject to an excess applying to each claim. An excess means that you are responsible for the first sum per person per claim, per section when you claim. The amount of excess is detailed in the Policy Wording on the Table of Benefits page, and under the Sections to which an excess applies. Duration of Cover All trips must start and end from the United Kingdom and the policy must cover the whole duration of the trip and cannot be effected once travel has commenced. Under an Annual Multi-Trip Policy, a maximum duration of any one trip applies. The limit, including the limit for Winter Sports cover (if applicable) is stated in the Policy Wording. Page 5

7 Important Features of your Travel Insurance: Page 6 of the Policy Wording If you change your mind 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. Important Features of your Travel Insurance: Page 6 of the Policy Wording Making a Claim If you wish to make a claim, please telephone the appropriate number(s) below: - If you have a medical or non-medical emergency during your trip, please call Healix International on +44 (0) and quote your policy number. For all other claims, please contact Claims Settlement Agencies on or info@csal.co.uk and quote your policy number. Your right to Complain If, for any reason, you consider that we have not kept our promise or you have any cause for complaint regarding this insurance please contact: The Customer Services Manager at NOW Travel Insurance Services, London Road, Hadleigh, Benfleet, Essex, SS7 2DD. If you are not satisfied with the way we have handled your complaint or if your complaint is regarding a claim, please contact: The Customer Care Manager, Claims Settlement Agencies, London Road, Hadleigh, Benfleet, Essex, SS7 2DD. Please always give details of the policy and complaint, together with the claims reference number. We will review your case and reply to you in writing. If you are still not satisfied you can contact the Financial Ombudsman Service, Exchange Tower, Harbour Exchange Square, London, E14 9SR. You can visit the Financial Ombudsman Service website at The complaints procedure above does not affect any legal rights you may have to take action against us. Please note that the Ombudsman will not normally review your case until such time we have made our final decision. Please give us the opportunity to handle your complaint before referring things to the Ombudsman. The Financial Services Compensation Scheme We are covered by the Financial Services Compensation Scheme. You and/or an Insured Person may be entitled to compensation from the Scheme if We are unable to meet Our obligations to You and/or an Insured Person under this contract. If You and/or an Insured Person are entitled to compensation under the Scheme, the level and extent of the compensation would depend on the nature of this contract. Further information can be obtained from the Financial Services Compensation Scheme (10th Floor, Beaufort House, 15 Botolph Street, London, EC3A 7QU) by phone on or and on their website at NOW-HCC-KF0116-v10 Page 6