Saga Annual Multi-trip Travel Insurance

Transcription

1 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 England and Wales (Company No ). Registered Office: Enbrook Park, Sandgate, Folkestone, Kent CT20 3SE. Saga Services ed is authorised and regulated by the Financial Services Authority. You can confirm Saga Services ed s address and statutory status on the Financial Services Authority website at or by contacting the Financial Services Authority on Saga Travel Insurance is arranged and administered by FirstAssist Insurance Services ed. This policy is underwritten by Great Lakes Reinsurance (UK) PLC. Making a complaint If you have a query or complaint about your Saga Travel Insurance please contact the Customer Service Department, Saga Services ed at Middelburg Square, Folkestone, Kent CT20 1AZ or call If the matter is not resolved to your satisfaction or you wish to make a complaint, you can contact the Customer Relations Department, Saga Services ed at Middelburg Square, Folkestone, Kent CT20 1AZ or call , fax on , or us at services.customer-relations@saga.co.uk. The Financial Ombudsman Service may look into your complaint if you remain dissatisfied after we have issued a final response. You can write to them at: The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR. Telephone or Saga Services ed is covered by The Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Further information about compensation scheme arrangements is available from the FSCS website: Handling your money When collecting or returning premiums, Saga Services ed acts as the agent of the Insurer. This means that your money is protected, as any premiums you pay to us are treated by the Insurer as having been paid directly to them. Fees Changes to policy details or cover may result in an administration fee of Please note that if you amend your policy mid term and have paid by credit card or cheque, we will be unable to refund any amounts of 5 or less. Similarly, we will only request any charges from you if the amount is over 5.

2 Policy Summary This summary does not contain the full Terms and Conditions of Saga s travel insurance policy. Full details can be found in the Policy Booklet which is available on request by calling Saga on or by downloading a copy online at saga.co.uk/travelinsurance. It is important that you read the policy documentation carefully when you receive it. Name of the insurance undertaking The insurer of this policy is Great Lakes Reinsurance (UK) PLC. The Legal Expenses section of this policy is underwritten by Acromas Insurance Company ed and administered by Parabis Law LLP. Type of insurance and cover The Saga annual multi-trip travel policy protects you during the period of insurance for trips taken in the area you have selected up to the maximum duration you have selected (as shown on your policy Schedule). Trips in the UK are covered under this policy where at least two nights accommodation is pre-booked. During the period of insurance the policy provides cover for any number of trips. The maximum number of days that you can travel in any policy year is 120 days. If you have selected the region Worldwide including USA, Canada, Mexico and all Caribbean Islands, the maximum number of days per trip is 45. Some of the covers are optional and these are clearly marked as such. If you have selected any of these options, they will be itemised on your policy Schedule. 2

3 Benefits 24 hour Worldwide Medical Assistance Service Immediate help with any emergency medical situation outside the UK Cancellation Refund of non-recoverable travel, accommodation and other pre-paid costs, should you have to cancel or cut short your trip Missed Departure Additional travel and accommodation costs if you miss your departure for any reason stated within the Policy Booklet Delayed Departure Compensation if your ship, aircraft or train on which you are booked to travel is delayed Abandonment Proportionate refund of unused non recoverable costs, should you have to abandon your trip Delayed Baggage Benefit for temporary loss of baggage on your outward journey Lost, Stolen or Damaged Baggage Cover for loss or damage to personal belongings Medical and Associated Expenses Payment for expenses of medical treatment following injury or illness. Includes repatriation or ations Any circumstances you were aware of prior to your trip Any travel arrangements made using Air Miles or similar schemes Any costs which are recoverable from elsewhere Claims due to strike or industrial action planned at the time you booked your trip Internal UK flights including flights to the Channel Islands, Northern Ireland or the Isle of Man 5,000 1,000 Claims due to strike or industrial action 215 planned at the time you booked your trip Internal UK flights including flights to the Channel Islands, Northern Ireland or the Isle of Man You must check in at the specified time and have travelled to the airport/port/station As per Cancellation 5,000 Any baggage detained by customs and other officials 300 single article limit 500 valuable limit Losses not reported to the police as soon as possible when discovered Illness as a result of a tropical disease where you have not had the recommended inoculations Any leisure or sport activity not listed as being covered in your Policy Booklet Any costs over 500 where prior agreement regarding treatment has not been obtained from the Medical Assistance provider 250 2,500 10,000,000 - Worldwide 5,000 - UK 3

4 Benefits Hospital Benefit A benefit of 25 for each 24 hour period you are being treated as an in-patient outside of the UK Personal Accident Payment for death, loss of limbs or total disablement following accidental injury Criminal Injury Benefit Benefit paid for injuries sustained as a result of violence or crime Substitute Accommodation Additional accommodation and transport costs if you need to move to substitute accommodation during your trip Enforced Stay Cover if you are unable to reach your destination, return to your accommodation or return home Loss of Passport Cover for costs incurred obtaining a temporary travel permit if your passport is lost or stolen while you are abroad Personal Money Loss or theft of money including cash, travellers cheques, passport, pre-paid tickets and driving licence Replacement Flight Additional costs if you need to replace a flight due to your scheduled airline becoming insolvent after departure Pet Care Benefit for each day your cat or dog receives in-patient veterinary treatment as a result of accidental injury while you are away or ations As per Medical and Associated Expenses 1,000 A reduced rate applies to those under 16 years or over 70 years of age Any claim arising directly or indirectly from acts of terrorism Any claim if your trip is booked as part of a package holiday Any costs which are recoverable from elsewhere Any costs which are recoverable from elsewhere Any costs where the transport operator has offered reasonable alternative travel arrangements Losses not reported to the police as soon as possible when discovered Reduced rate of 300 for cash Losses not reported to the police as soon as possible when discovered Any claim if your trip is booked as part of a package holiday Any claim for scheduled flights not booked in the UK Any costs which are recoverable from elsewhere, i.e. credit card issuer Your cat or dog has not been left in the care of a relative, friend or professional carer 30,000 30,000 5,000 1, ,

5 Benefits Hijack and Mugging Cover for each day you cannot reach your destination as a result of hijack or are receiving in-patient treatment due to mugging Air Rage Cover for costs incurred as a result of a delay caused by drunkenness or violent behaviour by other passengers Personal Liability Cover for legal liability if you cause injury or death to third parties or damage to their property Legal Expenses and Advice Cover for legal costs incurred following your personal injury or death during your trip or ations A claim not supported by a written police report Any leisure or sport activity not listed in your Policy Booklet Your ownership or occupation of land or buildings (except occupation of temporary holiday accommodation) The insurer will only cover claims which occur during the period of insurance and have reasonable prospects of succeeding Any matter you realised may have occurred before entering into this contract Any costs incurred before your claim has been accepted Please refer to the Legal Expenses and Advice section of your Policy Booklet 1,000 1,000 2,000,000 50,000 Additional cover options If you have selected any of these additional options, your policy Schedule will detail this. Golf Cover Benefits Cover for lost, damaged or stolen equipment Cover for the cost of hiring replacement golf equipment following loss, damage or theft of your own equipment Cover for pre-booked green fees if, due to illness or injury, you are unable to play or ations Any loss or theft from a motor vehicle Equipment damage while it is in use 1, (Up to 35 per day) 250 5

6 Winter Sports Cover Benefits Winter Sports Equipment Loss of or damage to your own or hired ski equipment or ations Reduced limit of 550 for hired equipment Any loss or theft from a motor vehicle Equipment damage while it is in use 750 Delay due to Avalanche Cover for the cost of extra travel and accommodation if an avalanche delays arrival or departure from the booked resort Piste Closure Cover for transportation to another site if your booked resort is closed because of lack of snow, excessive snow or high winds Ski Pack Cover for the proportionate cost of your non refundable ski pack if, due to illness or injury, you are medically certified as being unable to ski Inability to take part in Winter Sports Activities Cover if, due to illness or injury, you cannot take part in winter sports activities This cover is not applicable in the UK and within Europe the cover only applies during the period 15 December to 15 April Any circumstances you were aware of prior to your trip Any leisure or sport activity not listed in your Policy Booklet Scuba-Diving Cover Benefits Extended cover of the Medical and Associated Expenses, Hospital Benefit and Abandonment sections of your Policy Booklet to cover you while scuba-diving to the maximum depth for which you are qualified, but no more than 30 metres, as long as you are accompanied by a qualified scuba diving instructor or ations Any claim where you travel by air within 24 hours of completing a dive Where you have booked a trip for the sole purpose of scuba-diving Cover does not extend to the Personal Accident or Personal Liability sections N/A 6

7 Other important Significant Exclusions and ations of this policy Cover is excluded for any pre-existing medical conditions, unless declared to and accepted by us. Certain sections of this policy are subject to an excess, which is applied per person, per section, per claim. See your Policy Booklet for details. Any specific exclusion or limitation shown on your quote Schedule (please refer to the General Exclusions section of your Policy Booklet). Duration of cover This policy is effective for one year from the cover start date shown on your policy Schedule. Cancellation within the first 14 days You have the right to cancel your policy within 14 days of receiving your policy documentation. If you wish to do so, you will be entitled to a full refund of the premium paid. Please note that if you have made a claim and subsequently wish to cancel your policy, we may recover the monies paid to you in settlement of the claim. If you wish to cancel your policy and the insurance cover has not yet commenced you will be entitled to a full refund of the premium. Right of cancellation If after 14 days you have not cancelled your policy, we will assume that you have accepted the terms and wish your policy to continue for the agreed period of cover. If this policy no longer meets your needs you have the right to cancel it at any point during its duration but no refund of premium will be available. You can telephone us on or write to us at Saga Services ed, Middelburg Square, Folkestone, Kent, CT20 1AZ to cancel your policy. Cancellation is effective from the date your letter is received. Saga Services ed may cancel this policy by giving you seven days notice by recorded delivery letter. We will send this to your last known address. Making a claim For medical emergencies call (+44) from abroad and from the UK. For all other claims call from the UK and (+44) from abroad. For legal expenses and advice call , 24 hours a day, 365 days a year. Making a complaint about a claim If you have a claim related query or complaint or you are dissatisfied with the service that FirstAssist Insurance Services ed has provided please contact: Saga Travel Claims Manager, PO Box 1037, Oakleigh House, Park Place, Cardiff CF11 1HU, call or sagaclaims@cl-uk.com. If you have a query or complaint regarding the handling of a claim under the Legal expenses and advice section of the policy please contact: The Senior Partner, Parabis Law LLP, 8 Bedford Park, Croydon, Surrey, CR0 2AP or call

8 The Financial Ombudsman may look into your complaint if you remain dissatisfied after we have reviewed it. However, if we have not provided a final response within eight weeks you can refer your complaint straight to the Financial Ombudsman Service. Financial Services Compensation Scheme Great Lakes Reinsurance (UK) PLC is covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Further information about compensation scheme arrangements is available from the FSCS website: CSL-LE September 2011 TR/ON/PSA/A5/911