Policy Wording - Insure me 4

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Introduction to your policy This policy document provides you with the terms, conditions and exclusions of the insurance cover, together with information that will help you in the event of an emergency. The policy contains different levels of cover, some of which do not apply unless you have paid the appropriate additional premium. Conditions and exclusions will apply to individual sections of your policy while general exclusions, conditions and notes will apply to the whole of your policy. Please read this document and your certificate very carefully to ensure you understand the extent of the cover and assistance services, exactly what is and is not covered, the conditions of cover, and that this meets your requirements. Cooling-off-period: you have the right to cancel any policy of insurance within 14 days of the date of issue or receipt of the terms and conditions, whichever is later and provided that you have not made or intend to make a claim, the premium will be refunded in full less any transaction and postage fee. Please keep this document in a safe place and take it with you when you travel in case you need assistance or need to make a claim. If you have any questions or are in any doubt about the cover provided please call Customer Services on 0844 692 8418.
Contents Useful Telephone Numbers 2 General Information 2 Summary of Cover 3 Important Notes 6 Medical Declaration 7 Important Limitations 11 24 hour Emergency & Repatriation Service 11 Meaning of Words 12 Upgrades 19 Sections of Insurance 1 Personal Assistance Services 20 2 Emergency Medical & Repatriation 21 3 Emergency Dental Treatment 22 4 Additional Accommodation & Travelling costs 23 5 Hospital Daily Benefit 23 6 Cancellation, Curtailment & Trip Interruption 24 7 Travel Delay 27 8 Home Country Departure Assistance & Missed Home Country Connection 27 9 Missed Departure 28 10 Personal Baggage 29 11 Luggage Delay on the Outward Journey 31 12 Money & Passport 31 13 Personal Liability 32 14 Personal Accident 33 15 Legal Costs & Expenses 33 16 Hijack 36 17 – 21 Optional Winter sports cover 37 22 – 25 Optional Golf cover 39 26 Optional Wedding cover 41 27 – 28 Optional Special Sports & Activities cover 43 29 Optional End Supplier Failure 46 30 Optional Travel Legal Dispute 47 31 – 32 Optional Home Country cover 52 33 Optional Travel Disruption Extension 53 General Conditions – applying to all sections 56 General Exclusions – applying to all sections 58 Making a Claim 60 Complaints 61 Cancellation Provisions 63 Financial Services Compensation Scheme (FSCS) 63 Data Protection Act 1998 Notice 63 Travel Checklist 64 Travel Insurance Policy Documents 1
Page 1: …part of the Staysure family Trav
Page 5 and 6: We will pay for any claim you make
Page 7 and 8: Cover Travel Insurance Policy Docum
Page 9 and 10: • Third party liability: if you u
Page 11 and 12: Dysmenorrhoea Dyspepsia Ear Infecti
Page 13 and 14: Hypertension (High Blood Pressure,
Page 15 and 16: • Injuries which are a direct res
Page 17 and 18: Zone 3 - All countries Worldwide, e
Page 19 and 20: sections of the policy the insuranc
Page 21 and 22: Unattended - When you cannot see an
Page 23 and 24: What is not covered: The cost of an
Page 25 and 26: e) normal wear and tear; f) any sel
Page 27 and 28: Travel by air will be limited to on
Page 29 and 30: Section 7 Travel delay This section
Page 31 and 32: If you arrive at the airport, port
Page 33 and 34: • liability in respect of a pair
Page 35 and 36: • the policy excess; • anything
Page 37 and 38: ) If the appointed preferred law fi
Page 39 and 40: What is not covered: • any claim
Page 41 and 42: insured person: • for all reasona
Page 43 and 44: which are not used due to you being
Page 45 and 46: Section C - Photographs and videos
Page 47 and 48: Horse jumping Scuba diving (unquali
Page 49 and 50: Excursions; Eurotunnel; Theme parks
Page 51 and 52: • The insured person’s travelli
Page 53 and 54:
Claims You must tell us in writing
Page 55 and 56:
Section 33 Optional travel disrupti
Page 57 and 58:
Special conditions relating to clai
Page 59 and 60:
2. Any medical information supplied
Page 61 and 62:
6. We will not pay for any losses w
Page 63 and 64:
• Make a claim in respect of any
Page 65 and 66:
If you refer a complaint to the Fin
Page 67 and 68:
Requesting assistance In an emergen
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Policy Wording - Insure me 4

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