Policy Wording - Insure me 4

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If a), please forward details of your complaint to: Customer Service Manager Staysure.co.uk Limited McGowan House Waterside, The Lakes Bedford Road Northampton NN4 7XD If b), then for all Sections except 15, 29 and 30 please forward details of your complaint to: The Managing Director ERV / ETI International Travel Protection Albany House, 14 Bishopric, Horsham, West Sussex RH12 1QN, England Email: contact@erv.co.uk www.erv.co.uk If you wish to complain under policy section 15 Legal costs and expenses please forward details of your complaint to: The Managing Director DAS Legal Expenses Insurance Company Ltd. DAS House, Quay Side Temple Back, Bristol BS1 6NH. If you wish to complain under policy section 29 End supplier failure please forward details of your complaint to: The Managing Director International Passenger Protection Limited, IPP House, 22-26 Station Road West Wickham, Kent BR4 0PR. If you wish to complain under policy section 30 Travel legal dispute, please forward details of your complaint to: The Managing Director, Legal Insurance Management Limited, 18 Hagley Road, Stourbridge, West Midlands, DY8 1PS. Please ensure your policy number is quoted in all correspondence to assist a quick and efficient response. Step Two – the Financial Ombudsman Service: If you are still not satisfied with the way in which we have handled the complaint then you may refer the matter to the Financial Ombudsman Service: The Financial Ombudsman Service South Quay Plaza 183 Marsh Wall London E14 9ST Tel: 0845 080 1800 62 Travel Insurance Policy Documents
If you refer a complaint to the Financial Ombudsman Service, you are not bound by their decision and your legal rights to take subsequent action against us are not affected. Cancellation provisions Your right to cancel the policy 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. Provided that you have not made or intend to make a claim, we will refund to you any premium you have paid, less any transaction and postal fees. If you have made, or intend to make a claim, no premium refund will be due. Date of effect of cancellation by the insured person If you give notice in writing or by telephone to us to cancel this policy such cancellation shall take effect on the date the notice is received or on the date specified in the notice, whichever is the later. If the notice of cancellation is received within the 14 day cooling–off period, 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. If the notice of cancellation is received outside the 14 day cooling–off period no premium will be refunded however discretion may be exercised in exceptional circumstances such as bereavement or a change to the policy resulting in us declining to cover your medical conditions. Cancellation by us We may give 7 days notice of cancellation of this policy by Recorded Delivery letter to you at your last known address. Premium position upon cancellation by us (or in respect of an annual multi-trip policy following the death of the insured person; except when the subject of a claim occurring in the course of a trip): If premium has been paid for any period beyond the expiry date of this insurance, the relevant pro-rata portion of this premium will be refunded to you or your estate. If however, an incident has arisen during the period of insurance which has or will give rise to a claim, then no refund will be made. Effective time of expiry This policy shall cease at 00.01 hours Greenwich Mean Time on the day following the last day of the period of insurance for which premium has been paid. Financial Services Compensation Scheme (FSCS) We are covered by the Financial Services Compensation Scheme (FSCS) and you may be entitled to compensation from the scheme if we cannot meet our obligations. Further information about compensation scheme arrangements is available from the FSCS. Data Protection Act 1998 Notice We collect and maintain personal information in order to underwrite and administer the policies of insurance that we issue. All personal information is treated with the utmost confidentiality and with appropriate levels of security. We will not keep your information longer than is necessary. Your information will be protected from accidental or unauthorised disclosure. We will only reveal your information if it is allowed by law, authorised by you, to prevent fraud or in order that we can liaise with our agents in the administration of this policy. Under the terms of the act you have the right to ask for a copy of any information we hold on you and to require a correction of any incorrect information held. Any inaccurate or misleading data will be corrected as soon as possible. Travel Insurance Policy Documents 63
Page 1 and 2:
…part of the Staysure family Trav
Page 3 and 4:
Contents Useful Telephone Numbers 2
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: • Make a claim in respect of any
Page 67 and 68: Requesting assistance In an emergen
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Policy Wording - Insure me 4

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