2015 Star Ratings Travel Insurance Discussion paper

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "2015 Star Ratings Travel Insurance Discussion paper"

Transcription

1 2015 Star Ratings Travel Insurance Discussion paper Defaqto Limited All rights reserved. No parts of this publication may be reproduced in any form by any means, whether electronic, mechanical, optical or any other or be stored in a retrieval system without the express written permission of the publisher. The publisher has taken all reasonable measures to ensure the accuracy of the information and Ratings in this document and cannot accept responsibility or liability for errors in or omission from any information given and for any consequences arising.

2 About this document This document outlines the key developments and trends that will inform the criteria we use for the 2015 Star Ratings for Annual Travel Insurance, Single Trip Travel Insurance and Gap Year Travel Insurance and, based on these, sets out the areas where we would like to consult the industry as part of ensuring that our Ratings process remains robust and transparent. 2

3 Key developments and trends The market We have reviewed developments in the travel insurance market, considering legislation and regulation, provider changes, and travel insurance products and have concluded that there have been no significant changes. Therefore, we believe that the current Star Ratings and criteria remain valid and we do not need to change our approach for the 2015 Star Ratings. Legislation and regulation There has been no legislation or FCA review into the travel insurance market and therefore this has not had any effect in our thinking towards the Star Rating criteria that are being considered for Providers The change in provider numbers varies significantly across the three Star rated product areas. Whilst the numbers have remained fairly static for Single Trip, there are more notable changes to Annual Multi Trip, an increase in providers of over 20%, and Gap Year Travel, where nearly a fifth of providers have withdrawn from the market. Overall the net result is an increase in the total number of providers with the main focus on annual travel insurance. Product type 2010 no. of providers 2014 no. of providers % change Annual Travel Single Trip Gap Year Travel Overall variance Products/propositions Contrary to the decrease in providers shown above, the number of Single and Annual Multi Trip products has increased with the number of Gap Travel products remaining static. Product type 2010 no. of products 2014 no. of products % change Annual Travel Single Trip Gap Year Travel Overall variance 968 1,

4 In general, there appears to be a trend of providers increasing the number of products available by offering varying levels of cover, i.e. Gold, Silver and Bronze. We can see from the table below that in each area the number of products available per provider has increased. Product type 2010 no. of products per provider 2014 no. of products per provider % change Annual Travel Single Trip Gap Year Travel

5 Key implications for the 2015 Ratings process Product area weightings The criteria have been split into the following areas in order to show the weightings for each within the Ratings: Rating area - Annual Travel Insurance 2014 no. of 2014 % share of 2015 no. of 2015 % share of Policy Cover Policy Excesses/Terms Claims Conditions Total Rating area - Single Trip Travel Insurance 2014 no. of 2014 % share of 2015 no. of 2015 % share of Policy Cover Policy Excesses/Terms Claims Conditions Total Rating area - Gap Year Travel Insurance 2014 no. of 2014 % share of 2015 no. of 2015 % share of Policy Cover Policy Excesses/Terms Claims Conditions Total We will continue to place most of the emphasis on the policy cover provided, which accounts for around three-quarters of the criteria used. 5

6 What does good look like? For 2015 we see no need to change the core criteria for 4 or 5 Star rated products from those which are currently being applied. Annual Travel Core criteria set for the following Policy Cover Maximum Overseas Days Medical Expenses Dental Emergency Cancellation/Curtailment Missed Departure Delay - First 12 Hours Travel Abandonment Personal Liability Loss of Passport Extent of Terrorism Cover Claims Conditions Claims Receipt Limit Single Trip Core criteria set for the following Policy Cover Medical Expenses Dental Emergency Cancellation/Curtailment Missed Departure Delay - First 12 hours Travel Abandonment Personal Liability Loss of Passport Extent of Terrorism Cover Claims Conditions Claims Receipt Limit Gap Year Travel Core criteria set for the following Policy Cover Medical Expenses Dental Emergency Cancellation/Curtailment Missed Departure Personal Liability Loss of Passport 6

7 Extent of Terrorism Cover Claims Conditions Claims Receipt Limit 7

8 Areas for discussion No proposed changes There have not been any noticeable changes within the travel insurance market and therefore we believe that no further changes are required for 2015 No other changes to product studied We carried out a major review of our DNA scores for 2014, and haven't seen any dramatic market changes that would require us to reconduct this review for 2015 Ratings There are no obvious elements of policy cover that might emerge over the next 16 months We cannot see any reason to remove any of the existing elements of cover from our Ratings because of market changes likely to happen in the next 16 months 8

9 Appendix: Proposed 2015 criteria Based on the above analysis, we propose including the following criteria in our assessment process for the 2015 Ratings (core criteria are in bold text). Proposed criteria Annual Travel Insurance Independent Travel Baggage - Delay Maximum Overseas Days Cancellation/Curtailment Maximum Trip Duration Missed Departure Maximum Winter Sports Per Trip (Days) Delay - First 12 Hours Medical Expenses Travel Abandonment Overseas Funeral Costs Scheduled Airline Failure Remains Transportation Personal Liability Dental Emergency Legal Expenses Hospital Benefit - Maximum Loss of Passport Hospital Benefit - Day Extent of Terrorism Cover Personal Accident - PTD Winter Sports Cover Personal Accident Death Claims Receipt Limit Money - Cash Excess Basis Baggage - Basis Medical Expenses Excess New for Old Age Medical Excess with EHIC Baggage - Total Baggage Excess Baggage - Single Article Cancellation Excess Baggage - Valuables 9

10 Proposed criteria Single Trip Travel Insurance Medical Expenses Missed Departure Overseas Funeral Costs Delay - First 12 Hours Remains Transportation Travel Abandonment Dental Emergency Scheduled Airline Failure Hospital Benefit - Maximum Personal Liability Hospital Benefit - Day Legal Expenses Personal Accident - PTD Loss of Passport Personal Accident - Death Extent of Terrorism Cover Money - Cash Winter Sports Cover Baggage - Basis Claims Receipt Limit New for Old Age Excess Basis Baggage - Total Medical Expenses Excess Baggage - Single Article Medical Excess with EHIC Baggage - Valuables Baggage Excess Baggage - Delay Cancellation Excess Cancellation/Curtailment 10

11 Proposed criteria Gap Year Travel Insurance Maximum Trip Duration Cancellation/Curtailment UK Return Missed Departure Medical Expenses Delay - First 12 Hours Overseas Funeral Costs Travel Abandonment Remains Transportation Scheduled Airline Failure Dental Emergency Personal Liability Hospital Benefit - Maximum Legal Expenses Hospital Benefit - Day Loss of Passport Personal Accident PTD Extent of Terrorism Cover Personal Accident Death Winter Sports Cover Money Cash Claims Receipt Limit Baggage Basis Excess Basis New for Old Age Medical Expenses Excess Baggage Total Medical Excess with EHIC Baggage - Single Article Baggage Excess Baggage - Valuables Cancellation Excess Baggage - Delay 11

2016 Star Ratings Pet Insurance Discussion paper

2016 Star Ratings Pet Insurance Discussion paper 2016 Star Ratings Pet Insurance Discussion paper Defaqto Limited 2015. All rights reserved. No parts this publication may be reproduced in any form by any means, whether electronic, mechanical, optical

More information

2015 Star Ratings Motorbike Insurance Discussion Paper

2015 Star Ratings Motorbike Insurance Discussion Paper 2015 Star Ratings Motorbike Insurance Discussion Paper Defaqto Limited 2014. All rights reserved. No parts of this publication may be reproduced in any form by any means, whether electronic, mechanical,

More information

2015 Star Ratings Boiler Breakdown Cover Discussion paper

2015 Star Ratings Boiler Breakdown Cover Discussion paper 2015 Star Ratings Boiler Breakdown Cover Discussion paper Defaqto Limited 2014. All rights reserved. No parts of this publication may be reproduced in any form by any means, whether electronic, mechanical,

More information

2015 Star Ratings Motor Fleet Insurance Discussion Paper

2015 Star Ratings Motor Fleet Insurance Discussion Paper 2015 Star Ratings Motor Fleet Insurance Discussion Paper Defaqto Limited 2014. All rights reserved. No parts of this publication may be reproduced in any form by any means, whether electronic, mechanical,

More information

2015 Star Ratings Commercial Vehicle Insurance Discussion paper

2015 Star Ratings Commercial Vehicle Insurance Discussion paper 2015 Star Ratings Commercial Vehicle Insurance Discussion paper Defaqto Limited 2014. All rights reserved. No parts of this publication may be reproduced in any form by any means, whether electronic, mechanical,

More information

2015 Star Ratings. Car Insurance. Discussion paper

2015 Star Ratings. Car Insurance. Discussion paper 2015 Star Ratings Car Insurance Discussion paper Defaqto Limited 2014. All rights reserved. No parts of this publication may be reproduced in any form by any means, whether electronic, mechanical, optical

More information

2015 Star Ratings Business Insurance Discussion paper

2015 Star Ratings Business Insurance Discussion paper 2015 Star Ratings Business Insurance Discussion paper Defaqto Limited 2014. All rights reserved. No parts of this publication may be reproduced in any form by any means, whether electronic, mechanical,

More information

2016 Star Ratings Motor Fleet Insurance Discussion paper

2016 Star Ratings Motor Fleet Insurance Discussion paper 2016 Star Ratings Motor Fleet Insurance Discussion paper Defaqto Limited 2015. All rights reserved. No parts of this publication may be reproduced in any form by any means, whether electronic, mechanical,

More information

2015 Star Ratings Home Insurance Discussion Paper

2015 Star Ratings Home Insurance Discussion Paper 2015 Star Ratings Home Insurance Discussion Paper Defaqto Limited 2014. All rights reserved. No parts of this publication may be reproduced in any form by any means, whether electronic, mechanical, optical

More information

2015 Star Ratings. Current Accounts. Discussion Paper

2015 Star Ratings. Current Accounts. Discussion Paper 2015 Star Ratings Current Accounts Discussion Paper Defaqto Limited 2014. All rights reserved. No parts of this publication may be reproduced in any form by any means, whether electronic, mechanical, optical

More information

2015 Star Ratings. Credit Cards. Discussion paper

2015 Star Ratings. Credit Cards. Discussion paper 2015 Star Ratings Credit Cards Discussion paper Defaqto Limited 2014. All rights reserved. No parts of this publication may be reproduced in any form by any means, whether electronic, mechanical, optical

More information

2016 Star Ratings Home Emergency Cover Discussion paper

2016 Star Ratings Home Emergency Cover Discussion paper 2016 Star Ratings Home Emergency Cover Discussion paper Defaqto Limited 2015. All rights reserved. No parts of this publication may be reproduced in any form by any means, whether electronic, mechanical,

More information

2016 Star Ratings Landlord Home Insurance Discussion paper

2016 Star Ratings Landlord Home Insurance Discussion paper 2016 Star Ratings Landlord Home Insurance Discussion paper Defaqto Limited 2015. All rights reserved. No parts of this publication may be reproduced in any form by any means, whether electronic, mechanical,

More information

Under 65 years of age General exclusions Over 65 years of age (65 to 79 years) 80 s and over vhi.ie/travel 1890 866 822 Vhi.

Under 65 years of age General exclusions Over 65 years of age (65 to 79 years) 80 s and over vhi.ie/travel 1890 866 822 Vhi. Travel Insurance 2015 Travel Insurance Vhi MultiTrip is Ireland s leading MultiTrip travel insurance. It provides cover for your holidays throughout the year and offers extensive benefits, including cover

More information

All Platinum Business credit cardholders are covered under TRAVEL PROTECT which includes comprehensive Travel Insurance and Wallet Protection

All Platinum Business credit cardholders are covered under TRAVEL PROTECT which includes comprehensive Travel Insurance and Wallet Protection All Platinum Business credit cardholders are covered under TRAVEL PROTECT which includes comprehensive Travel Insurance and Wallet Protection Travel Insurance and Wallet Protection Plan policy shall at

More information

2016 Diamond Ratings Multi-Asset Income Generating Funds Discussion paper

2016 Diamond Ratings Multi-Asset Income Generating Funds Discussion paper 2016 Diamond Ratings Multi-Asset Income Generating Funds Discussion paper Defaqto Limited 2015. All rights reserved. No parts of this publication may be reproduced in any form by any means, whether electronic,

More information

CONTENTS 1. PRIOR TO TRAVEL 2. PERSONAL ACCIDENT/TRAVEL INSURANCE 3. RESTRICTIONS TO TRAVEL FOREIGN OFFICE 4. INSURERS DETAILS AND POLICY NUMBER

CONTENTS 1. PRIOR TO TRAVEL 2. PERSONAL ACCIDENT/TRAVEL INSURANCE 3. RESTRICTIONS TO TRAVEL FOREIGN OFFICE 4. INSURERS DETAILS AND POLICY NUMBER CONTENTS 1. PRIOR TO TRAVEL 2. PERSONAL ACCIDENT/TRAVEL INSURANCE 3. RESTRICTIONS TO TRAVEL FOREIGN OFFICE 4. INSURERS DETAILS AND POLICY NUMBER 5. PERSONAL ACCIDENT 6. MEDICAL EXPENSES 7. CANCELLATION

More information

2015 Star Ratings. Creditor Insurance. Discussion paper

2015 Star Ratings. Creditor Insurance. Discussion paper 2015 Star Ratings Creditor Insurance Discussion paper Defaqto Limited 2014. All rights reserved. No parts of this publication may be reproduced in any form by any means, whether electronic, mechanical,

More information

kaplan care insurance Guide 2015 Travel, academic and medical insurance policy www.kic.org.uk

kaplan care insurance Guide 2015 Travel, academic and medical insurance policy www.kic.org.uk kaplan care insurance Guide 2015 Travel, academic and medical insurance policy www.kic.org.uk welcome to kaplan care Kaplan Care has been specially designed for international students by Kaplan International

More information

KAPLAN CARE INSURANCE GUIDE 2015 TRAVEL, ACADEMIC AND MEDICAL INSURANCE POLICY www.kic.org.uk

KAPLAN CARE INSURANCE GUIDE 2015 TRAVEL, ACADEMIC AND MEDICAL INSURANCE POLICY www.kic.org.uk KAPLAN CARE INSURANCE GUIDE 2015 TRAVEL, ACADEMIC AND MEDICAL INSURANCE POLICY www.kic.org.uk WELCOME TO KAPLAN CARE Kaplan Care has been specially designed for international students by Kaplan International

More information

Travel Insurance and Wallet Protection FAQs

Travel Insurance and Wallet Protection FAQs Travel Insurance and Wallet Protection FAQs Credit Card Debit Cards Platinum Elite, Etisalat Platinum & Air Arabia Platinum Smart Saver & Grand Entertainment Card Platinum Debit Cards Issued to MashreqGold,

More information

Policy & Procedures:... Travel Insurance Cover Note... 5 Appendix 1: Form FT1... 3 Appendix 2: Form FT2... 7 Appendix 3: Form FT3...

Policy & Procedures:... Travel Insurance Cover Note... 5 Appendix 1: Form FT1... 3 Appendix 2: Form FT2... 7 Appendix 3: Form FT3... National Shared Services Directorate HSE Foreign & Domestic Travel Policy Document 1 1. Policy & Procedures:... Error! Bookmark not defined. 1.1 Overview... 3 1.2 Purpose... 3 1.3 Authorisation for Foreign

More information

INSURANCE CLAIM FORM

INSURANCE CLAIM FORM INSURANCE CLAIM FORM This purpose of this document is to help you complete your insurance claim. Please read the instructions below and carefully follow them, this will enable us to complete the assessment

More information

TRAVEL INSURANCE CLAIM FORM

TRAVEL INSURANCE CLAIM FORM TRAVEL INSURANCE CLAIM FORM Claims Enquiries call: +(60) 3 6207 4115 or 1 800 806 377 (within Malaysia) E-Mail: MHinsure-claims@mondial-assistance.com.my Mail: MHinsure Claims Level 14, Tower B, Dataran

More information

2015 Star Ratings. Life Assurance. Discussion paper

2015 Star Ratings. Life Assurance. Discussion paper 2015 Star Ratings Life Assurance Discussion paper Defaqto Limited 2014. All rights reserved. No parts of this publication may be reproduced in any form by any means, whether electronic, mechanical, optical

More information

2015 Star Ratings. Private Medical Insurance. Discussion paper

2015 Star Ratings. Private Medical Insurance. Discussion paper 2015 Star Ratings Private Medical Insurance Discussion paper Defaqto Limited 2014. All rights reserved. No parts of this publication may be reproduced in any form by any means, whether electronic, mechanical,

More information

European Underwater Federation. Background information on insurance for recreational divers

European Underwater Federation. Background information on insurance for recreational divers European Underwater Federation Background information on insurance for recreational divers Introduction As more and more divers travel to more and more exotic places to enjoy their activity it is clear

More information

A. Medical Expenses. Covers Inpatient Treatment, Cremation & Repatriation Costs. Emergency call center assistance, medicine consulting service.

A. Medical Expenses. Covers Inpatient Treatment, Cremation & Repatriation Costs. Emergency call center assistance, medicine consulting service. Travel insurance was formerly looked upon as a luxury, consumers concerned about whether their vacations can be canceled by incidents outside their control, or worried about the quality of medical care

More information

2016 Star Ratings General Insurance Add-Ons Discussion paper

2016 Star Ratings General Insurance Add-Ons Discussion paper 2016 Star Ratings General Insurance Add-Ons Discussion paper Defaqto Limited 2015. All rights reserved. No parts of this publication may be reproduced in any form by any means, whether electronic, mechanical,

More information

A Wealth of Privileges

A Wealth of Privileges A Wealth of Privileges Introducing Brown Shipley An exclusive experience from Brown Shipley managed by your personal banking team No fee Visa Infinite Card Premium Travel and Medical Insurance Exclusive

More information

Revolutionising Travel Insurance. Travel insurance around the world, around the clock

Revolutionising Travel Insurance. Travel insurance around the world, around the clock Revolutionising Travel Insurance Travel insurance around the world, around the clock Welcome to HealthCare International As a specialist provider of private medical and related personal insurances, we

More information

Initial Disclosure Document

Initial Disclosure Document Initial Disclosure Document The Financial Conduct Authority The Financial Conduct Authority (FCA) is an independent watchdog that regulates financial services. It requires us to give you this document.

More information

BUSINESS HEALTHCARE BENEFITS AT A GLANCE FROM VITALITYHEALTH VITALITY.CO.UK/HEALTH

BUSINESS HEALTHCARE BENEFITS AT A GLANCE FROM VITALITYHEALTH VITALITY.CO.UK/HEALTH BUSINESS HEALTHCARE BENEFITS AT A GLANCE FROM VITALITYHEALTH VITALITY.CO.UK/HEALTH BENEFITS AT A GLANCE WITHIN THIS DOCUMENT YOU WILL FIND THE BENEFITS AND COVER OPTIONS YOU COULD HAVE WITH A BUSINESS

More information

Insurance Travel and Expenses

Insurance Travel and Expenses Insurance Contents Overview...3 Audience...3 Responsibilities...3 Policy...3 Insurance Provisions...3 Civil Service Injury Benefits Scheme...3 Personal Injury Compensation (PIC)...4 FCO Healthcare Scheme...5

More information

CLAIM FORM - EQ TRAVEL. Section 1 - Particulars of Insured. Section 2 - Details of Incident/Loss/Illness (must be completed)

CLAIM FORM - EQ TRAVEL. Section 1 - Particulars of Insured. Section 2 - Details of Incident/Loss/Illness (must be completed) CLAIM FORM - EQ TRAVEL Agency: Policy No.: Please note: Sections 1, 2 and 12 must be completed. Sections 3 to 11 complete only the relevant sections. The acceptance of this form is NOT an admission of

More information

UNSW Staff Corporate Travel Insurance 2008 Update

UNSW Staff Corporate Travel Insurance 2008 Update Frequently Asked Insurance Questions For UNSW Staff Corporate Travel Insurance 2008 Update Note: This is an information sheet only and NOT an insurance policy or insurance advice. Staffs who seek advice

More information

Frontier Travel. Booking Conditions

Frontier Travel. Booking Conditions Booking Conditions 1. Booking: When your holiday is confirmed verbally, you must send us your completed booking form accepting our booking conditions on behalf of all your party. This forms the contract

More information

Business Healthcare benefits at a glance

Business Healthcare benefits at a glance Business Healthcare benefits at a glance The below table shows the benefits and cover options you can get with a Business Healthcare plan from PruHealth. All plans start with Core Cover, which has a variety

More information

INSURANCE. Policy Summary

INSURANCE. Policy Summary Travel INSURANCE Policy Summary This is a Policy Summary only and does not contain the full terms and conditions of the contract. Full terms, conditions and exclusions can be found in the Policy Wording,

More information

Select Silver Account Insurance Policy Summaries

Select Silver Account Insurance Policy Summaries Select Silver Account Insurance Policy Summaries includes Keyfacts about our insurance services Helpful banking The Select Silver Account comes with insurance policies that could cover you and your family.

More information

Claim Procedure Travel Insurance

Claim Procedure Travel Insurance Claim Procedure Travel Insurance In the event of loss, written notice of claim should be given to us within thirty (30) days after the occurrence, together with all relevant documents. A. Documents / information

More information

WORLD EXPEDITIONS TRAVEL INSURANCE

WORLD EXPEDITIONS TRAVEL INSURANCE WORLD EXPEDITIONS TRAVEL INSURANCE ALL participants travelling on the Professional Cricketers Association Everest Basecamp Challenge must carry adequate personal travel insurance. World Expeditions offers

More information

POLICY SUMMARY. Flybe Travel Insurance

POLICY SUMMARY. Flybe Travel Insurance Flybe Travel Insurance POLICY SUMMARY The purpose of this Policy Summary is to help you understand the insurance by setting out the significant features, benefits, limitations and exclusions. You still

More information

Select Silver Account Insurance Policy Summaries. includes Keyfacts about our insurance services

Select Silver Account Insurance Policy Summaries. includes Keyfacts about our insurance services Select Silver Account Insurance Policy Summaries includes Keyfacts about our insurance services The Select Silver Account comes with insurance policies that could cover you and your family. This brochure

More information

Account Insurance Policy Summaries. Select Silver. Account. includes Keyfacts about our insurance services. Benefit Terms

Account Insurance Policy Summaries. Select Silver. Account. includes Keyfacts about our insurance services. Benefit Terms Select Silver Account Insurance Policy Summaries Select Silver Account includes Keyfacts about our insurance services Benefit Terms The Select Silver Account comes with insurance policies that could cover

More information

2015 Star Ratings Platforms Discussion Paper

2015 Star Ratings Platforms Discussion Paper 2015 Star Ratings Platforms Discussion Paper Defaqto Limited 2014. All rights reserved. No parts of this publication may be reproduced in any form by any means, whether electronic, mechanical, optical

More information

ARE YOU TRAVELLING? Choose Apollo Munich for. EasyTRAVEL Insurance

ARE YOU TRAVELLING? Choose Apollo Munich for. EasyTRAVEL Insurance ARE YOU TRAVELLING? Choose Apollo Munich for EasyTRAVEL Insurance The Apollo Hospitals Group, Asia s largest healthcare provider and Munich Health, world leaders in health insurance, come together to make

More information

Insurance Specialists to the building and allied trades

Insurance Specialists to the building and allied trades www.tradedirectinsurance.co.uk Insurance Specialists to the building and allied trades Welcome Welcome to Trade Direct Insurance, we hope that you find our brochure informative and that our range of policies

More information

your statement of insurance

your statement of insurance your statement of insurance block international student travel insurance policyholder: Lewis School Limited policy number: IL9 0084715 issued on: 1st November 2014 reason for issue: new business This Statement

More information

Allianz Insurance plc. Business Travel. Information including Policy Summary (pages 1 6)

Allianz Insurance plc. Business Travel. Information including Policy Summary (pages 1 6) Allianz Insurance plc Business Travel Information including Policy Summary (pages 1 6) Introduction Thank you for choosing Allianz Insurance plc. We are one of the largest general insurers in the UK and

More information

Allianz Insurance plc. Embrace. Guide to cover. Group personal accident, business travel and sickness

Allianz Insurance plc. Embrace. Guide to cover. Group personal accident, business travel and sickness Allianz Insurance plc Embrace Guide to cover Group personal accident, business travel and sickness Contents Introduction 1 Group Personal Accident 2 Sickness 3 Business Travel 4 Exclusions applying to

More information

EDUTRAVEL INSURANCE GUIDE 2016 TRAVEL, ACADEMIC AND MEDICAL INSURANCE POLICY www.kic.org.uk

EDUTRAVEL INSURANCE GUIDE 2016 TRAVEL, ACADEMIC AND MEDICAL INSURANCE POLICY www.kic.org.uk EDUTRAVEL INSURANCE GUIDE 2016 TRAVEL, ACADEMIC AND MEDICAL INSURANCE POLICY www.kic.org.uk WELCOME TO EDUTRAVEL INSURANCE EduTravel Insurance has been specially designed for international students by

More information

Claim Form Travel Insurance

Claim Form Travel Insurance United Overseas Insurance Limited 3 Anson Road #28-01 Springleaf Tower Singapore 079909 Tel: (65) 6222 7733 Fax: (65) 6327 3869 / 6327 3870 Email: ContactUs@uoi.com.sg uoi.com.sg Co. Reg. No. 197100152R

More information

Saga Annual Multi-trip Travel Insurance

Saga Annual Multi-trip Travel Insurance Saga Annual Multi-trip Travel Insurance Important information for customers Important information for customers Saga Services ed is a wholly owned subsidiary of Acromas Holdings ed and is registered in

More information

Injuries to the student during the course of work on placement UK placements

Injuries to the student during the course of work on placement UK placements Appendix C: Insurance Insurance: General introduction Insurance needs to be considered from the various perspectives of what could go wrong and who can be adversely affected. This section provides a brief

More information

Platinum Insurance Policy Summaries. includes Keyfacts about our insurance services

Platinum Insurance Policy Summaries. includes Keyfacts about our insurance services Platinum Insurance Policy Summaries includes Keyfacts about our insurance services Throughout this Policy, Platinum account refers to Select Platinum Accounts and Reward Platinum accounts. The Platinum

More information

CoverForYou Direct Policy Summary Version 20

CoverForYou Direct Policy Summary Version 20 CoverForYou Direct Policy Summary Version 20 TRAVEL INSURANCE POLICY SUMMARY The purpose of this Policy Summary is to help You understand the insurance by setting out the significant features, benefits,

More information

2015 Star Ratings. Income Protection. Discussion paper

2015 Star Ratings. Income Protection. Discussion paper 2015 Star Ratings Income Protection Discussion paper Defaqto Limited 2014. All rights reserved. No parts of this publication may be reproduced in any form by any means, whether electronic, mechanical,

More information

2015 Star Ratings. Critical Illness Cover. Discussion paper

2015 Star Ratings. Critical Illness Cover. Discussion paper 2015 Star Ratings Critical Illness Cover Discussion paper Defaqto Limited 2014. All rights reserved. No parts of this publication may be reproduced in any form by any means, whether electronic, mechanical,

More information

www.healthcareinternational.com

www.healthcareinternational.com REVOLUTIONISING TRAVEL INSURANCE www.healthcareinternational.com Welcome to HealthCare International As a specialist provider of private medical and related personal insurances, we have the experience

More information

High Net Worth home insurance guide August 2012

High Net Worth home insurance guide August 2012 High Net Worth home insurance guide Sponsored by www.defaqto.com/gi/free-guides About Defaqto We are an independent financial research and software company. We specialise in collecting, researching and

More information

Frequently Asked Questions (FAQ) Below are some commonly asked questions. If you have a question that is not answered below then please contact us.

Frequently Asked Questions (FAQ) Below are some commonly asked questions. If you have a question that is not answered below then please contact us. Frequently Asked Questions (FAQ) Below are some commonly asked questions. If you have a question that is not answered below then please contact us. What is 24/7 cruise insurance? 24/7 cruise insurance

More information

Claim Form Travel Insurance

Claim Form Travel Insurance United Overseas Insurance Limited 3 Anson Road #28-01 Springleaf Tower Singapore 079909 Tel: (65) 6222 7733 Fax: (65) 6327 3869 / 6327 3870 Email: Claims@uoi.com.sg uoi.com.sg Co. Reg. No. 197100152R Claim

More information

Insurance policy summary information. Royalties Gold

Insurance policy summary information. Royalties Gold Insurance policy summary information Royalties Gold The Royalties Gold Account comes with a range of insurance policies that cover you, your family, your home and much more. This brochure explains the

More information

Your travel insurance policy documentation

Your travel insurance policy documentation Your travel insurance policy documentation Direct Travel Insurance Shoreham Airport Shoreham-by-Sea West Sussex BN43 5FF Claims enquiries TEL 0845 603 6497 Sales and enquiries TEL 0845 605 2500 Index Introduction

More information

Westpac Holiday Travel Insurance Product Disclosure Statement. Premium, excess and claims guide

Westpac Holiday Travel Insurance Product Disclosure Statement. Premium, excess and claims guide Westpac Holiday Travel Insurance Product Disclosure Statement Premium, and claims guide Your guide to premiums, es and claims payment The purpose of this guide is to provide further detail about the amount

More information

2016 Star Ratings Life Assurance Discussion paper

2016 Star Ratings Life Assurance Discussion paper 2016 Star Ratings Life Assurance Discussion paper Defaqto Limited 2015. All rights reserved. No parts of this publication may be reproduced in any form by any means, whether electronic, mechanical, optical

More information

Your ufirstgold Travel Insurance Policy Summary

Your ufirstgold Travel Insurance Policy Summary Your ufirstgold Travel Insurance Policy mary Please read this document carefully. It is a Policy mary only and does not detail the full terms and conditions of the insurance policy. Full details of the

More information

TRAVEL INSURANCE - Claim Procedure

TRAVEL INSURANCE - Claim Procedure TRAVEL INSURANCE - Claim Procedure Claim Procedure: 1) Claim Intimation to Insurance Company through us or Directly on toll free no. 2) Submission of Claim form and Required Documents. Claim payable for:

More information

Appendix D: Insurance

Appendix D: Insurance Appendix D: Insurance Insurance: General introduction Insurance needs to be considered from the various perspectives of what could go wrong and who can be adversely affected. This appendix provides a brief

More information

Archana Singh, Consumer Voice FSRG Group

Archana Singh, Consumer Voice FSRG Group BFSI Report Travel Are You Taking Precautions for Safe Travel? Travel insurance is increasingly on the international traveller s checklist. Imagine being in the dreamy meadows of Switzerland, only to wake

More information

About our insurance services - Automobile Association Insurance Services Limited ( AAIS )

About our insurance services - Automobile Association Insurance Services Limited ( AAIS ) About our insurance services - Automobile Association Insurance Services Limited ( AAIS ) 1. The Financial Conduct Authority The Financial Conduct Authority is the independent watchdog that regulates financial

More information

Travel. policy wording

Travel. policy wording Travel policy wording Thank you Thank you for choosing us to look after your travel insurance. We are pleased that you have entrusted us to take care of your needs and we ask that you read this policy

More information

UIA - Standard Travel Insurance Policy Summary

UIA - Standard Travel Insurance Policy Summary UIA - Standard Travel Insurance Policy Summary This policy summary does not contain full details and conditions of your insurance these are located in your policy wording. This insurance is underwritten

More information

POLICY SUMMARY - SINGLE TRIP / ANNUAL MULTI-TRIP

POLICY SUMMARY - SINGLE TRIP / ANNUAL MULTI-TRIP SUMMARY - SINGLE TRIP / ANNUAL MULTI-TRIP This Policy Summary is designed to provide You with an indication of the significant features, limitations and exclusions applicable to the insurance policy. This

More information

TERMS AND CONDITIONS FOR LOVETEFL INTERNSHIP PROGRAMMES

TERMS AND CONDITIONS FOR LOVETEFL INTERNSHIP PROGRAMMES TERMS AND CONDITIONS FOR LOVETEFL INTERNSHIP PROGRAMMES These Terms and Conditions apply to teachers who accept a place on a LoveTEFL internship programme. They are an agreement between you (the applicant),

More information

Platinum Insurance Policy Summaries. Includes Keyfacts about our insurance services

Platinum Insurance Policy Summaries. Includes Keyfacts about our insurance services Platinum Insurance Policy Summaries Includes Keyfacts about our insurance services Throughout this Policy, Platinum account refers to Select Platinum Accounts and Reward Platinum accounts. The Platinum

More information

FEDERAL INSURANCE COMPANY One of the Chubb Group of Insurance Companies

FEDERAL INSURANCE COMPANY One of the Chubb Group of Insurance Companies FEDERAL INSURANCE COMPANY One of the Chubb Group of Insurance Companies 18 Cross Street #11-08 China Square Central Singapore 048423 Telephone: 6333 8113 Facsimile: 6333 8112 Unique Entity No. S83FC3361G

More information

Travel Insurance Claim Form

Travel Insurance Claim Form CLAIMAINTS DETAILS Policy Number Departure Date Return Date Title First Name Surname ID / Passport Number Email Address Mobile Number Business Contact No Home Contact No Fax No Postal Address Postal Code

More information

GROUP INSURANCE. Your Travel Assistance Benefit

GROUP INSURANCE. Your Travel Assistance Benefit GROUP INSURANCE Your Travel Assistance Benefit Your Travel Assistance Benefit You will be pleased to know that your supplemental health insurance coverage allows you to benefit from travel assistance,

More information

Leisure Travel Insurance Application. Underwritten by

Leisure Travel Insurance Application. Underwritten by Underwritten by Leisure Travel Insurance Application Leisure Travel Even the most carefully planned travel can go unexpectedly wrong. Regardless of how careful you are, some events are simply beyond your

More information

Travel Claim Form. E mail Address: I.D. Card No. Age. Occupation Name of Employer. Telephone No. Home: Mobile: Business:

Travel Claim Form. E mail Address: I.D. Card No. Age. Occupation Name of Employer. Telephone No. Home: Mobile: Business: Return this form together with all necessary documents to: GasanMamo Insurance, Msida Road, Gzira GZR 1405 Malta For any queries please call 21 345 123 ext 5 Travel Claim Form Branch/Broker/TII Claim Number

More information

Frequently Asked Travel Questions

Frequently Asked Travel Questions AXA INSURANCE SINGAPORE PTE LTD 8 Shenton Way, #27-01 AXA Tower Singapore 068811 Customer Care Department: #B1-01 1800-880 4888 ( Within Singapore ) (65) 6880 4888 ( International ) (65) 6338 2522 www.axa.com.sg

More information

Westpac Rewards Credit Cards Emergency Travel Assistance.

Westpac Rewards Credit Cards Emergency Travel Assistance. Westpac Rewards Credit Cards Emergency Travel Assistance. Terms and Conditions. Effective 25 March 2013 We would ask you to take some time to read through these Terms and Conditions, as they contain important

More information

CLAIM FORM TRAVEL INSURANCE

CLAIM FORM TRAVEL INSURANCE General Information (To be filled in for all types of claim) Policy Particulars: CLAIM FORM TRAVEL INSURANCE Policy No. Endt. No. (if any) Insured s Name Insured s Contact No. Loss Particulars: Date of

More information

RFU - TOURS INSURANCE SPECIALLY DESIGNED INSURANCE COVER FOR ALL RFU AUTHORISED RUGBY TOURS

RFU - TOURS INSURANCE SPECIALLY DESIGNED INSURANCE COVER FOR ALL RFU AUTHORISED RUGBY TOURS RFU - TOURS INSURANCE SPECIALLY DESIGNED INSURANCE COVER FOR ALL RFU AUTHORISED RUGBY TOURS POLICY SUMMARY This policy is a short period travel insurance, arranged by Marsh and underwritten by Royal &

More information

Travel Insurance for Local Operators and Leaders

Travel Insurance for Local Operators and Leaders Travel Insurance for Local Operators and Leaders About this document This document aims to help Exodus local operators and leaders understand the key issues surrounding travel insurance. Having a clear

More information

DELAYED BAGGAGE CLAIM FORM

DELAYED BAGGAGE CLAIM FORM DELAYED BAGGAGE CLAIM FORM CLAIM NO: Please complete this form in BLOCK CAPITALS and return it to Rightpath Claims as soon as possible with the following original documents ( where relevant ) : Proof of

More information

Upgraded coverage with natural disaster and re-route expenses cover

Upgraded coverage with natural disaster and re-route expenses cover Upgraded coverage with natural disaster and re-route expenses cover i-travel (Single Trip) i-travel (Single Trip) Upgraded Coverage with Natural Disaster and Re-route Expenses Cover Natural disaster cover:

More information

Recruitment & International Office Student exchange programme PRE DEPARTURE BRIEFING SESSION 2015

Recruitment & International Office Student exchange programme PRE DEPARTURE BRIEFING SESSION 2015 Recruitment & International Office Student exchange programme PRE DEPARTURE BRIEFING SESSION 2015 Contacts l Recruitment & International Office (International & Erasmus Exchange) Allison Handley Karen

More information

Single Trip Travel Insurance Frequently Asked Questions

Single Trip Travel Insurance Frequently Asked Questions Single Trip Travel Insurance Frequently Asked Questions Single Trip Travel Insurance is packaged exclusively for HSBC credit cardholders and their family members. It is a travel insurance covering individuals

More information

Home Insurance Session I

Home Insurance Session I 2016 Ratings roundtable meetings Home Insurance Session I Hosted by Angela Pilley and Anna-Marie Duthie Insight Analysts (General Insurance) Purpose Outline and discuss the key issues impacting the 2016

More information

Travel Insurance: We Focus on what matters 25 May 2015 Agenda 1. Company overview 2. Travel Insurance market trends 3. Comprehensive cover 4. People and health 5. Staying connected: Global SIM 6. Q & A

More information

Travel Guard International Coverage Summary

Travel Guard International Coverage Summary Travel Guard International Coverage Summary 24-Hours Assistance Center (Travel Guard Asia Pacific) +662-6491346 This Coverage Summary is not a contract of insurance, all benefits and sum insured are subject

More information

Claim Form. I have read and fully understand the declaration above (ALL persons claiming must sign)

Claim Form. I have read and fully understand the declaration above (ALL persons claiming must sign) Date sent to us: / /20 Claim Reference Number (if known): Please answer all relevant questions on the claim form. Leaving items blank, using ticks, dashes and n/a may result in us returning the claim form

More information

Frequently Asked Questions on Travel and Medical Insurance (World Elite MasterCard Credit Card)

Frequently Asked Questions on Travel and Medical Insurance (World Elite MasterCard Credit Card) Frequently Asked Questions on Travel and Medical Insurance (World Elite MasterCard Credit Card) What is the Schedule of Benefits under the travel insurance policy? Schedule of Benefits Amount of Benefits

More information

Insurance for participants, teachers and other adults taking part in educational excursions and activities

Insurance for participants, teachers and other adults taking part in educational excursions and activities January 2009 Management Circular No. 31 Glasgow City Council Education Services Wheatley House 25 Cochrane Street Merchant City Glasgow G1 1HL To Heads of all Educational Establishments Dear Colleague

More information

INSURANCE COVER FOR ATHLETES

INSURANCE COVER FOR ATHLETES INSURANCE COVER FOR ATHLETES Who is Insured? As an athlete who has paid (or is deemed to have paid) subscriptions to a club or organisation affiliated to UKA, England Athletics, Scottish Athletics, Athletics

More information

BSBADM406B Organise business travel

BSBADM406B Organise business travel BSBADM406B Organise business travel Revision Number: 1 BSBADM406B Organise business travel Modification History Not applicable. Unit Descriptor Unit descriptor This unit describes the performance outcomes,

More information