Policy Wording - Insure me 4

Recovery of costs
You should take all reasonable steps to recover costs and expenses. If another person is ordered, or
agrees, to pay you all or any costs and expenses, charges or compensation you will do everything
possible (subject to our directions) to recover the money and hold it on our behalf. If payment is made by
instalments these will be paid to us until we have recovered the total amount that the other person was
ordered, or agreed to pay by way of costs.
Fraud
We have the right to refuse to pay a claim or to avoid this insurance in its entirety if you make a claim
which is in any respect false or fraudulent.
Claims helpline
All potential claims must be reported initially to the Claims Helpline which operates between the
hours of 9am – 5pm Mondays to Friday excluding Bank Holidays, for advice and support. We will
not accept responsibility if the Helpline services fail for reasons beyond our control. Claims helpline service
– 01384 377000
*This is a policy where you must notify us within 30 days of returning from the holiday which is subject to
the dispute and which may give rise to any claim under this policy. Failure to do so could mean that we
decline to pay a claim for your professional fees.
*Whilst the policy may include events that occur Worldwide, policy cover will only operate where legal
proceedings can be brought in a United Kingdom or European Union (EU) country’s court jurisdiction.
Section 31 Home country cover
This policy will cover you for each trip you undertake solely within your home country provided you
have pre-booked and paid for a minimum of 2 consecutive nights in paid accommodation away from home.
All conditions and exclusions (except where these are amended below) continue to apply to the
sections mentioned.
Home Country Medical Transfer
What is covered:
Medical Transfer if you are hospitalised 50 miles or more from home, either through sudden illness or
accident, in the course of a trip within your home country. We will arrange and pay for your transfer to a
suitable hospital near your home when it becomes medically feasible.
As necessary we will also arrange and pay for a medical escort to accompany you.
What is not covered:
• claims when we have not been contacted at the time you are hospitalised or when we have not
given you our prior authorisation that we will pay the costs;
• you being hospitalised less than 50 miles from home;
• any claims arising directly or indirectly as a result of any pre-existing medical conditions, unless
you have declared ALL pre-existing medical conditions to us and we have written to you
accepting them for insurance;
• anything mentioned in the General Exclusions.
Section 32 Additional accommodation costs
What is covered:
In the event of a valid claim under Section 31 Home Country Medical Transfer, you are covered for
additional accommodation and travelling costs as described in Section 4 Additional Accommodation &
Travelling Costs.
52 Travel Insurance Policy Documents