Education annual group travel insurance

Transcription

1 Education annual group travel insurance SUMMARY OF COVER For educational establishments in the school, further and higher education sectors

2 2 SUMMARY OF COVER EDUCATION ANNUAL GROUP TRAVEL INSURANCE Policy ref: PD2516 What is a summary of cover? This document provides key information about the Education annual group travel policy. Please note that this summary of cover does not contain the full terms and conditions of this contract. These can be found in the policy wording which is available on our web-site at If you have any questions please contact your insurance broker. Policy name: Education annual group travel policy (for educational establishments in the school, further and higher education sectors) PD /16 Type of insurance: The policy is designed for educational establishments in the school, further and higher education sectors, providing travel insurance for all organised overseas trips made over the course of the year, plus UK trips that involve booked accommodation. It has been designed to provide essential travel covers such as medical expenses and cancellation costs, whilst eliminating duplication of cover which could arise under the establishment s main business policy. This policy is designed for you, the Educational establishment, to provide the group with a cover which applies automatically for all participants and is not to be sold on a selective basis to individuals. Underwritten by: Ecclesiastical Insurance Office plc. Legal expenses provided in partnership with DAS Legal Expenses Insurance Company Limited. Duration of your policy: 12 months from the start date shown on your policy schedule. Renewal of your policy: We will send you notice that your policy is approaching renewal, before it is due. Your requirements may change over time, so you may benefit from reviewing the value, cover and level of service provided by your policy. The sections you have chosen to insure and the applicable sums insured are shown on your policy schedule.

3 EDUCATION ANNUAL GROUP TRAVEL INSURANCE SUMMARY OF COVER 3 Key benefits include: Easy to operate: All overseas Educational trips you arrange will be included, subject to you providing an initial declaration of the anticipated destinations and durations of trips and expected numbers of participants. We collect a 75% deposit premium at the outset (based on your initial declaration) with an adjustment at the end of the period of insurance when you confirm the final details. We will supply you with Certificates to show the extent of cover to participants. Tailored cover for educational trips: Up to 10,000,000 per person for overseas medical and emergency expenses for trips outside of the United Kingdom Additional benefit payment of 50 for each day the insured person has to stay in hospital up to 3,000 per person (similar benefit payments are made for hi-jack and kidnap) Up to 5,000 per person if the trip has to be cancelled or cut short because someone close to the insured person dies or due to a range of other specified reasons Up to 5,000 to send a substitute group leader or helper to complete a tour Up to 30 per person for food and other expenses you incur on behalf of the group in the event of delayed departures due to certain causes Up to 250 per person for emergency purchase of clothing and toiletry items, should a member of the group be deprived of their baggage for 12 hours or more Whilst overseas, up to 1,000 for your money held by the group leader, and up to 500 per person for the money of individuals, including fraudulent use of credit and debit cards Cover to replace documents and passports which have been lost or stolen up to 500 per person Personal accident benefits for students up to 18 years of age (cover for employees is available under the main Education policy) Legal expenses for personal injury up to 50,000 per claim Additional cover available at an extra cost Winter sports cover for skiing trips, provided you tell us about these in advance The following four special clauses provide cover which you may need if you do not hold a current Ecclesiastical Education policy for your business (if you do cover is usually provided automatically or as an option under that contract) - Group equipment - Personal baggage for participants - Personal liability for participants - Employees personal accident cover

4 4 SUMMARY OF COVER EDUCATION ANNUAL GROUP TRAVEL INSURANCE Significant or unusual exclusions/limitations: Cover for any person age 75 years or over Travel to any destination where the Foreign and Commonwealth Office (FCO) has advised against all travel If you are in a country when the FCO status changes we will continue to provide cover for up to 7 days, after this time all cover will cease (if the status of your destination changes before you travel, please contact us and we will advise you if we can provide cover or the alternatives that apply) Cover where the group member is travelling against medical advice Student personal accident benefits are 25,000 for permanent total disability, loss of limbs or loss of sight and 10,000 for death Cover for money and passports requires the loss to be reported to the Police, transport carrier or in respect of the passport the Consular representative within twenty-four hours of discovery Money excludes losses from unattended vehicles or unaccompanied baggage The Personal accident accumulation limit is 1,500,000 (this is the most we will pay for any group of persons injured or killed by the same event) For legal expenses, if you choose not to use DAS s preferred law firm, we ll only pay based on the amount we would have paid DAS s preferred law firm and we exclude claims which do not have reasonable prospects of success A 50 excess applies for most claims under this policy Important note: medical treatment and medical referrals This is not a private medical insurance. We will pay for private treatment only if there is no appropriate recipricol health agreement in existence and no public service available. We reserve the right to organise a transfer from a private medical facility to a public medical facility where appropriate. In the even of medical treatment becoming necessary for which reimbursement will be sought, we or our representatives will require unrestricted access to all your medical records and information. A caring and expert approach: Ecclesiastical is owned by a charity and donates all surplus profits back to the community We are a specialist financial services group, with a strong portfolio of insurance, investment management, broking and advisory businesses in the UK, Ireland, Canada and Australia. All are underpinned by a reputation for delivering an outstanding service for customers, with firmly established roots as a socially responsible general insurer Cancellation rights We have the right to cancel your policy by sending 7 days' notice and shall refund to you the proportionate premium for the unexpired period of cover, this is shown under the heading "Cancellation" in the General Conditions.

5 EDUCATION ANNUAL GROUP TRAVEL INSURANCE SUMMARY OF COVER 5 Claims service You can make a claim through your insurance broker or directly, in writing or by telephone using the numbers below: For all claims other than emergency assistance and legal expenses: Call us on (UK only) +44 (0) (outside of UK) travelclaims@ecclesiastical.com For legal expenses claims: Call DAS Legal Expenses Insurance Company Limited on (UK only) (outside UK) For 24 Hour Emergency Assistance (and pre-travel advice): Call our assistance company on +44 (0) travelassist@ecclesiastical.com Complaints If you are unhappy with our products or service, please contact us as soon as possible. You can complain in writing or verbally at any time to For all complaints other than Legal expenses complaints Ecclesiastical Insurance Office plc Beaufort House Brunswick Road Gloucester GL1 1JZ Tel Complaints@ecclesiastical.com For Legal expenses complaints DAS Legal Expenses Insurance Company Limited DAS House Quay Side Temple Back Bristol BS1 6NH Tel customerrelations@das.co.uk

6 6 SUMMARY OF COVER EDUCATION ANNUAL GROUP TRAVEL INSURANCE Our promise to you We will aim to resolve your complaint within one business day. To resolve your complaint we will Investigate your complaint diligently and impartially within Ecclesiastical Keep you informed of the progress of the investigation For more complex issues, we may need a little longer to investigate and we may ask you for further information to help us reach a decision Respond in writing to your complaint as soon as possible If you re not satisfied with our response, or we have not completed our investigation after eight weeks, we ll inform you of your right to take the complaint to Financial Ombudsman Service Exchange Tower London E14 9SR Tel: complaint.info@financial-ombudsman.org.uk Website: If you have bought your insurance online, you can also register your complaint on the Online Dispute Resolution website which has been set up by the European Commission. This complaints procedure does not affect your right to take legal proceedings. Financial Services Compensation Scheme (FSCS) The FSCS is the independent body, set up by Government, which gives you your money back if your authorised* financial services provider goes bust. The FSCS protects a range of products for both individuals and small businesses. Limits apply depending on the product you have bought. The FSCS does not charge individual consumers for using its service. The FSCS cannot help you if the firm you have done business with is still trading. For further information on the scheme you can visit the website at or write to them at: Financial Services Compensation Scheme 10th Floor, Beaufort House 15 St Botolph Street London EC3A 7QU. Tel: or Fax: enquiries@fscs.org.uk *The FSCS can only pay compensation for customers of financial services firms authorised by the PRA or the FCA.

7 EDUCATION ANNUAL GROUP TRAVEL INSURANCE SUMMARY OF COVER 7 This contract is underwritten by: Ecclesiastical Insurance Office plc. Our FCA register number is Our permitted business is general insurance. You can check this on the FCA s register by visiting the FCA s website or by contacting the FCA on If you would like this booklet in large print, braille, on audio tape or computer disc please call us on You can also tell us if you would like to always receive literature in another format.

8 Ecclesiastical Insurance Office plc (EIO) Reg. No Registered in England at Beaufort House, Brunswick Road, Gloucester, GL1 1JZ, UK. EIO is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Ecclesiastical Insurance Office plc 2018 PD2517 Group Travel Education Summary 2 05/18