WEBroker Travel Insurance Policy summary - Online Travel Insurance

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WEBroker Travel Insurance Policy summaryRef: VOY/WBB/2013Valid for issue no later than 31st October 2013Types of policies available and policy durationsPolicies are available for single trips up to 45 days, longstay trips up to 15 months or on an annualbasis for multiple trips. An annual multi-trip policy runs for 12 months from the date specified andprovides cover for an unlimited number of trips starting within that period, provided that no singletrip is intended to be for longer than the maximum number of days shown in the benefits schedulefor the cover you have bought. A single trip or longstay policy provides cover for the duration of thetrip shown in your policy documentation.Who can be covered?Policies can be arranged for individuals, couples or families, subject to the maximum age limitshown in your benefits schedule. A family policy provides cover for to two adults and theirdependent children aged 17 and under or 20 and under if still in full time education and all normallyresiding together at the same address. Cover for families shall apply where the appropriate premiumhas been paid. On annual multi-trip policies, all insureds are entitled to travel independently of eachother providing all travellers are named on the policy schedule.Significant and/or unusual conditions and exclusionsHealth - this insurance contains restrictions regarding pre-existing medical conditions of the peopletravelling and of other people upon whose health the trip depends. You are advised to read the documentcarefully.Sports & activities (including wintersports) - you may not be insured if you are going to take part insports & activities where there is a generally recognised risk of injury. Please check that this insurancecovers you, or ask us.Excesses - under some sections of this insurance, claims will be subject to an excess. This meanseach person will be responsible for paying the first part of their claim under each applicable section.Baggage - these claims are paid based on the value of the goods at the time you lose them and not ona ‘new for old’ or replacement cost basis. Deductions will be made in respect of wear, tear anddepreciation.Reasonable care - you need to take all reasonable care to protect yourself and your property, as youwould if you were not insured. Any amounts the insurers will pay for property left unattended in a publicplace or unattended vehicle is very limited, as specified in the wording.Important conditions relating to health & activities & changes in circumstance - you mustanswer the important conditions relating to health & activities shown in the policy wording truthfully and tothe best of your knowledge and contact us if required. If you do not do so then any related claim may bereduced or rejected or your policy may become invalid.Notification of claims - you must advise the claims handlers of any possible claim as soon aspossible. You must supply them with full details of all the circumstances and any other information anddocuments we may require.Relevant policy referenceImportant conditions relating to health & activitiesand health exclusions.General exclusions 8, 9, 10 & 11 and Activitiescover levels.Benefits schedule & important feature 6.Sections 7, 8, 9, 15 & 17, Special exclusionsand important feature 4.7, 8, 9, 15 & 17, Special exclusions andimportant feature 4 & 7 and general conditions5 & 9.Important conditions relating to health &activites, general conditions 1 & 2 & section 1 -cancellation or curtialment conditions a & b.Section 1 - cancellation or curtailment condition a& general conditions 2 & 4.CANCELLATION RIGHTWe hope you are happy with the cover this policy provides. However if after reading this certificate, this insurance does not meet with your requirements, pleasereturn it to the issuing agent, within 14 days of receipt and we will refund your premium. We reserve the right to deduct from the rebate of premium the reasonablecosts incurred in processing the original sale and cancellation. We shall not be bound to accept renewal of any insurance and may at any time cancel anyinsurance document by sending 14 days notice to you at your last known address. Provided the premium has been paid in full, you shall be entitled to aproportionate rebate of premium in respect of the unexpired period showing on the insurance.MAKING A CLAIMFor all claims other than medical emergencies please request an appropriate claim form by telephoning the number below. Please quote Voyager WEBroker.ONE Claims Ltd, 1-4 Limes Court, Hoddesdon, Hertfordshire, EN11 8EP. Tel: +44 (0) 1992 708 729. Fax: +44 (0) 1992 450 717. Please have yourcertificate number to hand, and have ready any documents you may have that could be relevant to your claim.In the event of illness or injury during your trip which will require hospitalisation, you must notify ONE Assist Ltd. Tel: + 44 (0) 1992 454 276. Fax: + 44 (0) 1992708 721. Please quote Voyager WEBroker.HOW TO MAKE A COMPLAINTWe hope you will be pleased with the service we provide. However, if you have a complaint about the sale of your policy or about a claim, please follow thecomplaints procedure shown in the policy wording.If you are still dissatisfied you may refer your case to the Financial Ombudsman Service (FOS). Please note that you have six months from the date of our financialresponse in which to refer your complaints to the FOS. Referral to the FOS will not affect your right to take legal action.FINANCIAL SERVICES COMPENSATION SCHEMEWe are covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the scheme if we are unable to meet our obligationsto you under this contract. If you are entitled to compensation under the scheme, the level and extent of the compensation would depend on the nature of thiscontract. Further information can be obtained from the Financial Services Compensation Scheme (7th Floor Lloyds Chambers, Portsoken Street, London E1 8BN)by phone on 020 7892 7300 and on their website at www.fscs.org.uk.2
WEBroker Travel Insurance PolicyRef: VOY/WBB/2013Valid for issue no later than 31st October 2013Summary of cover - single trip, annual multi-trip & longstayBenefits schedule1. Cancellation or curtailment2. Emergency medical expensesincluding emergency repatriationincluding relative’s additional expensesincluding emergency dental treatment3. Hospital stay benefit (amount per day)4. Personal accident - loss of sight, limb(s) or permanent total disablementmaximum payable in the event of deathmaximum payable in the event of death if under 165. Travel delay (a) £ after 12 hrs delay (b) £ each 12 hrs thereafter (c) maxabandonment (after 12 hours)6. Missed departure & journey disruption7. Baggage - overall limitunder 18’s possessions limitmaximum per item, pair or settotal limit for all valuablesemergency purchases (after 12 hours)8. Personal moneycash limit (£50 for under 18’s)9. Loss of passport10. Personal liability11. Legal expenses12. Business personnel replacement13. Holiday financial protection14. Hijack (amount per day)15. Mugging (amount per day)16. Pet care (amount per day)17. Ski equipment - overall limitmaximum per item, pair or set owned or borrowedmaximum per item, pair or set hired18. Ski pack19. Piste closure (amount per day) (not applicable to longstay policies)20. Independent traveller extension20. extended cancellation or curtailment20. extended travel delayabandonment or additional expenses20. extended missed departureaccommodation cover* Adults 65-84 years - £100 excess for cancellation or curtailment and medical claims only. Maximum excess any oneclaim or incident £100 (or £200 in respect of adults aged 65-84 years) in respect of cancellation or curtailment andmedical claims only.** Loss of deposit claims only.Territorial limitsYou are covered for trips to countries within thefollowing areas provided that you have paid theappropriate premium, as shown in your certificate.Area 1Area 2Area 3Area 4Limits per person Excesses£5,000£10,000,000Sections 17, 18 & 19 only apply if you have paid the appropriate wintersports premium for singletrip and longstay policies. They are automatically covered under annual multi-trip policies.£350£1,000 (£20)£30,000£5,000£2,000(a) £40 (b) £20 (c) £200£5,000£1,000£2,000£500£250£500£200£500£250£500£2,000,000£20,000£2,500£3,000£1,000 (£100)£500 (£50)£500 (£50)£800£500£300£400£200 (£20)Section 20 only applies if you have paid the appropriate additional premiumPolicy features tableAnnual multi-trip featuresMaximum age at date of purchaseMaximum period per trip (if aged 70-74)Business travelUK trips (min 2 nights using pre-bookedpre-paid accommodation or transport)Family members can travel separatelyWintersports - up to total maximum ofMaximum age at date of departureMaximum period per tripTravel completed byMaximum age at date of departureMaximum period per tripTravel completed bySingle trip featuresLongstay features7445 days (22 days)YesYesYes21 days8445 days01/11/20146415 months01/03/2015£5,000(a) £40 (b) £20 (c) £200£5,000£1,000£5,000£50* (£20)**£50*The United Kingdom and Northern Ireland.The continent of Europe West of the Uralmountains, any country with aMediterranean coastline, (excluding Algeria,Libya, Syria and Israel) Channel Islands, theCanary Islands, the Isle of Man, Madeiraand Iceland.Worldwide excluding North America &Caribbean.Worldwide including North America &Caribbean.If you have bought the annual multi-trip option, trips whollywithin your home country are also insured but only if theyinclude a minimum of 2 nights away from home usingpre-booked and pre-paid accommodation or transport.For longstay policies, rating is determined by where themajority of time will be spent.NilNilNil£50£50£50Nil£50Nil£100£100NilNilNilNilNil£50£50Nil£50Nil£50£50£5024 HOUR MEDICAL EMERGENCYAND REPATRIATION SERVICEThe nominated emergency service referred to inthis policy is operated by ONE Assist Ltd.If you or a member of your party have to go to hospital asan in-patient during your trip, require medical treatmentthat will cost more than £250 (or its equivalent in localcurrency) or need to travel home differently to your originalplans, ONE Assist Ltd must be contacted BEFOREmaking any arrangements. If this is not possible becausethe condition requires immediate treatment to save life orlimb, ONE Assist Ltd must be contacted as soon aspossible thereafter (see condition (a) of section 2 -emergency medical expenses). Failure to obtain properauthorisation will mean the insurers are not liable for theexpenses.In the event of illness or injury during your trip which willrequire hospitalisation, you must notify ONE Assist Ltd.Tel: + 44 (0) 1992 454 276Fax: + 44 (0) 1992 708 721Please quote Voyager WEBrokerYou can use this service outside your home countryduring your trip. If you have a medical emergency pleasecontact ONE Assist Ltd as soon as possible.Outpatient treatmentFor simple out-patient costs you should settle the clinicbill directly and claim this back upon your return.Special noticeThis is not a private medical insurance and only givescover in the event of an accident or sudden illness thatrequires emergency treatment whilst abroad. In theevent of any medical treatment becoming necessarywhich results in a claim under this insurance, you willbe expected to allow insurers or their representativesunrestricted reasonable access to your medical recordsand information.How to make a claimFor all claims other than medical emergencies pleaserequest an appropriate claim form by telephoning thenumber below. Please quote Voyager WEBroker.ONE Claims Ltd,1-4 Limes Court, Hoddesdon, Hertfordshire,EN11 8EP.Tel: +44 (0) 1992 708 729Fax: +44 (0) 1992 450 717Please have your certificate number to hand, and haveready any documents you may have that could berelevant to your claim (for example medical certificates,travel tickets, boarding passes, letters from authorities/public transport providers/airlines, depending on whichsection of cover you are claiming for). If you do not haveany documents with you, your claim might be delayed,please ask the operator for assistance.You may need to get additional information about yourclaim while you are away. You may also be asked tosend us additional information and documentation (we willgive you advice if this becomes necessary). The natureof the documentation we need may include hotel bills,hospital bills, pharmacy receipts and/or taxi receipts andwill depend on your individual circumstances and thetype of claim you are making. Please read the generalconditions contained in this policy document and therelevant sections of your policy for more information. Wemay refuse to reimburse you for any expenses for whichyou cannot provide receipts or bills.1
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