WEBroker Travel Insurance Policy summary - Online Travel Insurance

More documents

Recommendations

Info

Certification of coverThe schedule, together with the policy wording, certifiesthat insurance has been effected between you and theinsurer. In return for payment of the premium specified inthe schedule, the insurer agrees to insure you inaccordance with the terms and conditions contained in orendorsed on these documents. The insurer has enteredinto a Binding Authority Contract (referenceB6002ADLVOYBA12) with Voyager Insurance ServicesLtd which the insured has authorised Voyager InsuranceServices Ltd to sign and issue these documents on itsbehalf.InsurersThis insurance is underwritten 100% at Lloyd’s of Londonby Syndicates managed by Argo Managing AgencyLimited. The Lloyd’s Syndicate 1200, Argo ManagingAgency Limited, is entered in the Register of Lloyd’sManaging Agents. Registered office: Exchequer Court, 33St Mary Axe, London, EC3A 8AA.Our regulatorVoyager Insurance Services Ltd and Argo ManagingAgency Limited are authorised and regulated by theFinancial Services Authority. You can visit the FinancialServices Authority website, which includes a register ofall regulated companies, at www.fsa.gov.uk or you cantelephone them on 0845 606 1234.Financial Services CompensationSchemeWe are covered by the Financial Services CompensationScheme. You may be entitled to compensation fromthe scheme if we are unable to meet our obligationsto you under this contract. If you are entitled tocompensation under the scheme, the level and extentof the compensation would depend on the nature of thiscontract. Further information can be obtained from theFinancial Services Compensation Scheme (7th FloorLloyds Chambers, Portsoken Street, London E1 8BN) byphone on 020 7892 7300 and on their website at www.fscs.org.uk.Data Protection Act 1998We will collect certain information about you in the courseof considering your application and conducting ourrelationship with you. This information will be processedfor the purposes of underwriting your insurance cover,managing any insurance issued, administering claimsand fraud prevention. We may pass your information toa qualified medical practitioner, other insurers, reinsurers,other parties who provide services under policy andloss adjusters for these purposes. This may involve thetransfer of your information to countries which do not havedata protection laws. You may have the right of accessto, and correction of, information that is held about you.Please contact our compliance officer to exercise eitherof these rights. Some of the information may be classifiedas ‘sensitive’ – that is information about physical andmental health and employment records. Data protectionlaws impose specific conditions in relation to sensitiveinformation including, in some circumstances, the needto obtain your explicit consent before the information maybe processed. By finalising your insurance application,you consent to the processing and transfer of informationdescribed in this notice. Without this consent we wouldnot be able to consider your applicationComplaints procedureWe will do everything possible to ensure that you receivea high standard of service. If you are not satisfied with theservice received please contact us.When you contact us please give us your name andcontact telephone number. Please also quote your policyand/or claim number and the type of policy you hold.Step one – Initiating your complaintDoes your complaint relate to:A. The sale of your policy?B. A claim on your policy?If A, you need to contact the agent from where youbought your policy or;Voyager Insurance Services Ltd13-21 High Street,Guildford,Surrey,GU1 3DGTel: 01483 562662Email: enquiries@voyagerins.comIf B, you can write to;Policyholder and Market AssistanceOne Lime Street, London, EC3M 7HATel: 0207 327 5693Email: complaints@lloyds.comWe expect that the majority of complaints will be quicklyand satisfactorily resolved at this stage, but if you are notsatisfied, you can take the issue further:Step two – If you remain dissatisfiedIf you are still dissatisfied you may refer your case to theFinancial Ombudsman Service (FOS).The Financial Ombudsman ServiceSouth Quay Plaza183 Marsh WallLondon, E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email: complaint.info@financial-ombudsman.org.ukThe FOS is an independent body that arbitrate oncomplaints about general insurance products and otherfinancial services. It will only consider complaints afterwe have provided you with written confirmation that ourinternal complaints procedure has been exhausted.Please note that you have six months from the date of ourfinancial response in which to refer your complaints to theFOS. Referral to the FOS will not affect your right to takelegal action.Period of insuranceIf you have paid the appropriate annual multi trip travelinsurance premium and you are under 75 years old, theoverall period of insurance shall be for 12 months startingfrom the date shown. This insurance then covers anunlimited number of holiday/leisure trips starting withinthat period, provided that no single trip is intended to befor longer than the maximum number of days shown inthe policy features table for the cover you have bought.Wintersports are covered up to the total number of daysshown in the policy features table.Except as stated below, cover for each separate tripunder this insurance starts when you leave your homeor place of business in your home country at the start ofyour trip, and finishes as soon as you return to your homeor place of business in your home country for any reason.If you have paid the appropriate longstay travel insurancepremium, this insurance allows you to return to your homecountry for short term visits of up to two weeks, as longas they are not subject to a claim. Cover is temporarilysuspended for the duration of these visits.You are only covered for the period for which a premiumhas been paid and in any event the total period of anyone trip must not exceed the period shown in the policyfeatures table.For cancellation only (section 1), cover starts from thedate shown on your certificate or the date you book yourtrip, whichever is the later.If you are going on a one-way trip all cover will finish 48hours after your arrival in the country of final destination.If your return is unavoidably delayed for an insuredreason, cover will be extended free of charge for theperiod of delay.Cancellation rightsWe hope you are happy with the cover this policy provides.However if after reading this certificate, this insurancedoes not meet with your requirements, please return it tothe issuing agent, within 14 days of receipt and we willrefund your premium. We reserve the right to deduct fromthe rebate of premium the reasonable costs incurred inprocessing the original sale and cancellation. We shall notbe bound to accept renewal of any insurance and may atany time cancel any insurance document by sending 14days notice to you at your last known address. Providedthe premium has been paid in full, you shall be entitledto a proportionate rebate of premium in respect of theunexpired period showing on the insurance.8
Activities - Cover optionsLeisureThis policy automatically covers you to undertakethe activities listed below on an amateur basis.Abseiling;Aerobics;Angling;Archery;Athletics;Badminton;Ballooning;Banana boating;Baseball;Basketball;Biathlon;Big foot skiing (W/S premium must be paid);Black water rafting (grades 1-4);Boating (inside 12 mile limit);Boardsailing;Bowls;Bowling;Bungee jumping (incidental 1-3 jumps);Camel riding;Canoeing (grades 1-3);Canoeing (grades 4-5);Cat skiing (W/S premium must be paid);Clay pigeon shooting;Climbing (indoor only);Cricket;Croquet;Cross county skiing (W/S premium must be paid);Curling;Cycling (not BMX, competition or stunting);Cycling (recreational including mountain bikes);Dance;Deep sea fishing (recreational inside 12 mile limit);Dinghy sailing (inside 12 mile limit);Diving (recreational);Dog sledging (W/S premium must be paid);Dry slope skiing (W/S premium must be paid);Elephant trekking;Fell running;Fell walking;Fencing;Flying (in light aircraft as a passenger, not piloting);Fishing (angling);Football (recreational or incidental soccer);Glacier walking (under 2000m, W/S premium must be paid);Gliding (as a passenger, not piloting);Go karting below 250cc (no liability);Golf;Handball;Hiking/trekking/walking below 4000m;Hill walking;Hockey;Horse riding (NOT competitions, racing, jumping & hunting);Hot air ballooning (as a passenger only);Ice skating (on rink, W/S premium must be paid);Indoor climbing (on climbing wall only);Jet skiing (no liability);Kayaking (grades 1-3 rivers/sea);Kayaking (grades 4-5);Kite buggying (single seat);Kite flying (traction);Kite surfing (over water);Lacrosse;Marathon running;Mono-skiing (W/S premium must be paid);Motorcycling (on road, provided you hold an appropriatefull licence and are wearing a helmet);Mountain biking (not competition);Netball;Off-piste skiing (W/S premium must be paid);Orienteering;Paintballing;Parascending (towed by boat);Pistol shooting;Pony trekking;Racquet ball;Rafting (grades 1-4);Rambling;Rifle range shooting;Roller blading;Roller skating;Rounders;Rowing;Safari (organised trips only);Sail boarding;Sailing (inside 12 mile limit);Scuba diving (maximum depth 30m);Skateboarding (recreational);Skiing (W/S premium must be paid);Sledging (W/S premium must be paid);Snooker;Snorkelling;Snow-boarding (W/S premium must be paid);Snow-mobiling (W/S premium must be paid);Softball;Squash;Surfing;Table tennis;Tai chi (non-contact);Ten pin bowling;Tennis;Tobogganing (W/S premium must be paid);Trampolining (recreational);Volleyball;Water polo;Water skiing;Water tubing;White water canoeing/rafting (up to grade 3 rivers only);Windsurfing (inside 12 mile limit);Zip wiring;ActionIn addition to the activities listed above, thefollowing activities will also be covered on anamateur basis and are subject to a 50% premium load.Black water rafting (grades 5-6);Bungee jumping (more than 3 jumps);Cycling (on road, including event training);Flying (piloting of light aircraft as PPL holder);Football (amateur competition/tour);Glacier walking (2000-4000m, W/S premium must be paid);Gliding (as pilot with necessary licence);Gymnastics;Kite surfing (over land);Parachuting (static line & sky diving, tandem only - max3 jumps);Paragliding;Rafting (above grade 4);Scuba diving (maximum depth 40m);Skateboarding (demonstration or competitive);White water canoeing/rafting (grade 4 and over);Action PlusIn addition to the activities listed above, thefollowing activities will also be covered on an amateurbasis and are subject to a 100% premium load.American football;Bouldering (with crash pad; max height 7m);Canyoning;Cycling (on road, including competition but not BMX orstunting);Diving (high diving);Flying (piloting of light aircraft under instruction);Gaelic football;Glacier walking (4000-6000m, W/S premium must be paid);Gliding (as pilot under instruction);Hang gliding;Heli skiing (with a qualified guide, W/S premium must bepaid);High diving;Hiking/trekking/walking 4000-6000m;Horse riding (including jumping but not racing/hunting);Hurling;Ice hockey (W/S premium must be paid);Judo (training only);Karate (training only);Kendo (training only);Kick boxing (training only);Martial arts (training only, excluding mixed martial arts);Motorcycling (off road, excluding competition/jumping/stunting, provided you hold an appropriate full licence andare wearing a helmet);Mountain biking (including amateur competitions);Parachuting (sky diving - solo, maximum 3 jumps);Polo;Rugby union & league;Sailing (outside 12 mile limit);W/S = Wintersports9Special conditions and exclusionsapplicable to Action and Action Plusactivities.Please noteWhilst participating in any of the activities listed underAction or Action Plus, the following will apply:a. no cover will be provided under section 4 - personalaccidentb. no cover will be provided under section 10 - personalliabilityc. the policy excess will be increased to £200 per personper claimd. you must act in a reasonable way and use allrecommended safety equipment and protectiveclothing that is necessary.Please note the normal policy terms and conditions willstill apply.Please also refer to the general exclusions andconditions.If the activity in which you are participating is notlisted or you need to pay an additional premiumfor those activities listed in Action and Action Plus,please contact your issuing agent or VoyagerInsurance Services Ltd on 01483 562662.
Page 1 and 2: WEBroker Travel Insurance Policy su
Page 3 and 4: WEBroker Travel Insurance PolicyRef
Page 5: Section 1Cancellation or curtailmen
Page 8 and 9: Section 17Ski equipment & other exp

WEBroker Travel Insurance Policy summary - Online Travel Insurance

Create successful ePaper yourself

Delete template?

Save as template?