Saga Annual Multi-trip Travel Insurance

Size: px
Start display at page:

Download "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 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 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

Saga Single Trip Travel Insurance

Saga Single Trip Travel Insurance Saga Single Trip Travel Insurance Important information for customers Important information for customers Saga Services Limited is a wholly owned subsidiary of Saga plc and is registered in England and

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

Insure & Go Insurance Services Limited

Insure & Go Insurance Services Limited Insure & Go Insurance Services Limited 1. The Financial Services Authority (FSA) The FSA is the independent watchdog that regulates financial services. It requires us to give you this document. Use this

More information

Policy Summary: Key Information You the Customer need to be aware of

Policy Summary: Key Information You the Customer need to be aware of Summary: Key Information You the Customer need to be aware of Travel Insurance This is a Summary only and does not contain the full terms and conditions of the contract. Full terms, conditions and exclusions

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

Policy summary. Inside you ll find a summary of Tesco Bank Travel Insurance. Travel Insurance

Policy summary. Inside you ll find a summary of Tesco Bank Travel Insurance. Travel Insurance Policy summary Inside you ll find a summary of Tesco Bank Travel Insurance Travel Insurance Tesco Bank Travel Insurance policy summary This is a travel insurance policy summary only and does not contain

More information

Personal Travel. Insurance. Insurance. Travel Insurance. Your guide to Travel Insurance, Policy Summary and other important information

Personal Travel. Insurance. Insurance. Travel Insurance. Your guide to Travel Insurance, Policy Summary and other important information Personal Travel Insurance Insurance Travel Insurance Your guide to Travel Insurance, Policy Summary and other important information YOUR GUIDE TO TRAVEL INSURANCE About Our Insurance Services In the following

More information

Your summary of cover. Saga Motor Insurance

Your summary of cover. Saga Motor Insurance Your summary of cover Saga Motor Insurance Contents Your introduction to Saga Motor Insurance 3 A quick guide to the cover we include 4-5 A few key things we don t cover 6 Additional cover options you

More information

provides cover for one specific trip and the policy schedule will show the start and finish date of the policy. The maximum age is 85.

provides cover for one specific trip and the policy schedule will show the start and finish date of the policy. The maximum age is 85. Policy Summary This document provides a guide to the cover provided. It is however only a summary of the terms of cover and does not contain full details of the Insurance policy terms, conditions and exclusions

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

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

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

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

Demands and Needs Statement

Demands and Needs Statement Modifications Cover Demands and Needs Statement This Policy meets the demands and needs of a driver whose vehicle has been fitted with non standard parts or modifications which are lost or damaged as a

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

A summary of your cover. And important information

A summary of your cover. And important information A summary of your cover And important information Policy Summary Argos Pet Insurance is underwritten by Royal & Sun Alliance Insurance plc. It is an annual contract that provides cover for the cost of

More information

Travel Policy Summary

Travel Policy Summary Travel Summary This document only outlines the main benefits and exclusions of the CoverForYou Travel policy. The full benefits, terms and conditions, limitations and exclusions are contained in the policy,

More information

Car Insurance. Summary of Cover

Car Insurance. Summary of Cover Car Insurance Summary of Cover Summary of cover Important you should read this This leaflet provides a summary of the key features, benefits and limitations of the cover provided by the Zurich Insurance

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

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

Your summary of cover Direct Choice Car Insurance

Your summary of cover Direct Choice Car Insurance Your summary of cover Direct Choice Car Insurance Contents Your introduction to Direct Choice Car Insurance 3 A quick guide to the cover we include 4-5 A few key things we don t cover 6 Additional cover

More information

Demands and Needs Statement

Demands and Needs Statement Modifications Cover Demands and Needs Statement This Policy meets the demands and needs of a driver whose vehicle has been fitted with non standard parts or modifications which are lost or damaged as a

More information

Car Solutions Insurance. Summary of Cover

Car Solutions Insurance. Summary of Cover Car Solutions Insurance Summary of Cover Summary of cover Important you should read this This leaflet provides a summary of the key features, benefits and limitations of the cover provided by the Zurich

More information

Bell does not make personal recommendations as to the suitability of the Policy to individual circumstances.

Bell does not make personal recommendations as to the suitability of the Policy to individual circumstances. Car Hire Cover Demands and Needs Statement This Policy meets the demands and needs of a driver whose vehicle has been rendered a total loss in a road traffic accident or stolen recovered incident or had

More information

Saga Accidental Death Benefit Your Policy Booklet

Saga Accidental Death Benefit Your Policy Booklet Saga Accidental Death Benefit Your Policy Booklet Welcome to Saga Accidental Death Benefit. As with all our services, we have designed this policy with our customers needs in mind and I hope you will be

More information

Saga HealthPlans. Policy Summary

Saga HealthPlans. Policy Summary Saga HealthPlans Policy Summary Super and Super 4 Week Wait Secure and Secure 4 Week Wait Saver Plus and Saver Plus 4 Week Wait Saver and Saver 4 Week Wait Support and Support 4 Week Wait Policy Summary

More information

POLICY SUMMARY. INSURER This insurance is underwritten by AmTrust Europe Limited.

POLICY SUMMARY. INSURER This insurance is underwritten by AmTrust Europe Limited. POLICY SUMMARY This Policy Summary is to help you understand the insurance that Your Policy provides. It details the key features, benefits, limitations, and exclusions, but you still need to read the

More information

Police Federation and Fire Service Travel Insurance

Police Federation and Fire Service Travel Insurance Police Federation and Fire Service Travel Insurance Policy Summary This is a travel insurance policy summary only and does not contain the full terms and conditions of the contract. Full terms and conditions

More information

Policy summary AXA Travel Insurance

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

More information

ERV Sunweb Winter Sports Insurance

ERV Sunweb Winter Sports Insurance ERV Sunweb Winter Sports Insurance Single trip insurance Purpose of the insurance This is a travel insurance policy that, subject to the terms, conditions and exclusions contained in the policy wording,

More information

CENTRAL. Hire Car Cover Comprehensive

CENTRAL. Hire Car Cover Comprehensive ST CENTRAL Hire Car Cover Comprehensive Page 1 of 11 1 st Central Hire Car Policy - Comprehensive Demands and Needs Statement This Policy meets the demands and needs of a driver whose vehicle has been

More information

About our insurance services

About our insurance services About our insurance services Insure & Go Insurance Services Limited, Maitland House, Warrior Square, Southend-on-Sea, Essex SS1 2JY. 1. The Financial Conduct Authority (FCA) The FCA is the independent

More information

HSBC Private Car Insurance. Summary of cover

HSBC Private Car Insurance. Summary of cover HSBC Private Car Insurance Summary of cover 2 HSBC Private Car Insurance This is a generic summary of cover and does not contain the full terms and conditions of the cover which can be found in the policy

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

Motor Zurich Private Clients

Motor Zurich Private Clients Summary of cover Motor Zurich Private Clients 2 This document provides a summary of the significant features, benefits, exclusions and limitations of the cover provided by the Zurich Private Clients Motor

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

Fleet Excess Protect

Fleet Excess Protect Fleet Excess Protect Policy Wording Thank you for choosing Fleet Excess Protect Insurance. The information in this policy wording contains important information and we have made it as easy as possible

More information

Policy Summary Cigna Travel Insurance

Policy Summary Cigna Travel Insurance Policy Summary Cigna Travel 1. 2. 3. 4. What is this keyfacts document? This is a summary of the policy cover for Cigna Travel and it does not include the full terms and conditions of the contract, which

More information

Ageas Over 50s Life Plan Plan Details

Ageas Over 50s Life Plan Plan Details Ageas Over 50s Life Plan Plan Details Ageas Over 50s Life Plan 1 Ageas Over 50s Life Plan This booklet is the Plan Details. It explains how our Ageas Over 50s Life Plan works. Thank you for choosing the

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

Student Product Insurance. Policy Summary

Student Product Insurance. Policy Summary Student Product Insurance Policy Summary Student Product Insurance is underwritten by Royal & Sun Alliance Insurance plc. It is an annual contract and may be renewed each year subject to the terms and

More information

1 ST CENTRAL Hire Car policy summary

1 ST CENTRAL Hire Car policy summary My Hire Car Cover... 1 ST CENTRAL Hire Car policy summary This is a summary of your Hire Car policy. It does not contain the full terms and conditions, which can be found in the Policy Document that follows

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

Reassurance guaranteed. Protect your motorcycle. AutoTrust Asset Protection

Reassurance guaranteed. Protect your motorcycle. AutoTrust Asset Protection Reassurance guaranteed Protect your motorcycle AutoTrust Asset Protection Introduction Title 2 x. Did If you don t know follow that the manufacturer s if your motorcycle is written off as service schedules

More information

Replacement Vehicle Van Insurance Policy

Replacement Vehicle Van Insurance Policy Replacement Vehicle Van Insurance Policy Express Insurance Services - Replacement Vehicle Policy Summary Express Insurance Services - Replacement Vehicle Insurance Policy Policy Summary This is a summary

More information

Ageas Travel Insurance

Ageas Travel Insurance Ageas Travel Insurance Policy Summary This is a travel insurance policy summary only and does not contain the full terms and conditions of the contract. Full terms and conditions can be found in the policy

More information

Terms and Conditions

Terms and Conditions Terms and Conditions Terms and Conditions Thank you for choosing insurethebox which is a trading style of Insure The Box Limited and underwritten by the insurers named below and on your Schedule. Electronic

More information

PRIVATE CLIENT ANNUAL TRAVEL INSURANCE POLICY SUMMARY

PRIVATE CLIENT ANNUAL TRAVEL INSURANCE POLICY SUMMARY PRIVATE CLIENT ANNUAL TRAVEL INSURANCE POLICY SUMMARY ANNUAL TRAVEL INSURANCE POLICY SUMMARY The Annual Travel policy is underwritten by Oak Underwriting plc on behalf of Royal & Sun Alliance Insurance

More information

Key Policy Information

Key Policy Information Key Information Inside you ll find a summary of your car insurance tescobank.com Tesco Bank Car Insurance Key Information This is a summary of cover available under Tesco Bank Car Insurance. It does not

More information

Single-trip Travel Insurance. Royal Caribbean International, Celebrity Cruises & Azamara Cruises - Policy Summary

Single-trip Travel Insurance. Royal Caribbean International, Celebrity Cruises & Azamara Cruises - Policy Summary Single-trip Travel Insurance Royal Caribbean International, Celebrity Cruises & Azamara Cruises - Policy Summary Policy Summary This is a summary of the main benefits, features and exclusions of your

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

Motor Summary of cover and policy benefits. Zurich Private Clients

Motor Summary of cover and policy benefits. Zurich Private Clients Motor Summary of cover and policy benefits Zurich Private Clients About Zurich Private Clients Quality cover and service Our motor insurance policy provides exceptional cover with the highest level of

More information

Personal Injury Cover. Terms and Conditions

Personal Injury Cover. Terms and Conditions Personal Injury Cover Terms and Conditions Demands and Needs Statement This Policy meets the demands and needs of those who wish to ensure that in the event of an Accident an Insured Person will be covered

More information

R&Q Commercial Risk Services Limited Contractors All Risks and Liability Combined Insurance Summary of Cover

R&Q Commercial Risk Services Limited Contractors All Risks and Liability Combined Insurance Summary of Cover R&Q Commercial Risk Services Limited Contractors All Risks and Liability Combined Insurance Summary of Cover June 2012 Edition Contractors All Risks and Liability Combined Insurance Policy Overview About

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

Drivology Car Insurance - Policy Summary

Drivology Car Insurance - Policy Summary Drivology Car Insurance - Policy Summary Your Policy Key Facts July 2015 edition Drivology Car Insurance - Policy Summary This policy summary does not contain full details and conditions of your insurance

More information

First Directory Roadside Breakdown Assistance First Directory Policy Number FD070104M

First Directory Roadside Breakdown Assistance First Directory Policy Number FD070104M First Directory Roadside Breakdown Assistance First Directory Policy Number FD070104M Please read this policy and keep it for reference Contents Page Section A Policy Summary 2 Section B Additional Important

More information

Royal & SunAlliance Insurance Group. Foreign Unit Travel Insurance Scheme Summary of Insurance

Royal & SunAlliance Insurance Group. Foreign Unit Travel Insurance Scheme Summary of Insurance Royal & SunAlliance Insurance Group Foreign Unit Travel Insurance Scheme Summary of Insurance Personal Accident, Sickness, Temporary Life and Travel Insurance Policy The following provides a summary of

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

Policy Summary. Single Trip and Annual Multi Trip - Benefits

Policy Summary. Single Trip and Annual Multi Trip - Benefits Policy Summary This document outlines the main benefits and restrictions associated with your Travel Insurance cover. It does not reference all of the benefits, terms, conditions, limitations, exceptions

More information

Asda Value Car Insurance. Hire car. money

Asda Value Car Insurance. Hire car. money Asda Value Car Insurance Hire car money Contents page number Hire Car Insurance Policy Summary...4 Your Hire Car Policy Terms and Conditions... 7 Notice to the Policyholder/Insured Person... 10 page 2

More information

Demands and Needs Statement

Demands and Needs Statement Demands and Needs Statement easyjet Missed Flight Cover is typically suitable for travel customers who wish to insure themselves for missing their booked flight. This insurance policy provides the policyholder(s)

More information

GREEN PET INSURANCE IN ASSOCIATION WITH ULTIMATE PET PARTNERS LTD PLATINUM COVER

GREEN PET INSURANCE IN ASSOCIATION WITH ULTIMATE PET PARTNERS LTD PLATINUM COVER GREEN PET INSURANCE IN ASSOCIATION WITH ULTIMATE PET PARTNERS LTD PLATINUM COVER POLICY KEY FACTS This policy summary does not contain the full details of Your policy, and should be read in conjunction

More information

Police Mutual Car insurance

Police Mutual Car insurance Police Mutual Car insurance Policy Summary Police Mutual Car insurance is underwritten by Royal & Sun Alliance Insurance plc. It is an annual contract and may be renewed each year subject to the terms

More information

DASDRIVE PLUS LEGAL PROTECTION KEY FACTS BROCHURE HAD AN ACCIDENT? CALL US NOW ON

DASDRIVE PLUS LEGAL PROTECTION KEY FACTS BROCHURE HAD AN ACCIDENT? CALL US NOW ON DASDRIVE PLUS LEGAL PROTECTION KEY FACTS BROCHURE HAD AN ACCIDENT? CALL US NOW ON 0800 783 6066 WHY YOU NEED DASDRIVE LEGAL PROTECTION PERSONAL INJURY COVER RECOVERY OF UNINSURED LOSSES REPLACEMENT HIRE

More information

Aviva Motor Policy Summary and Important Information

Aviva Motor Policy Summary and Important Information Aviva Motor Policy Summary and Important Information This is a summary of the policy and does not contain the full terms and conditions of the cover which can be found in the policy documentation. It is

More information

Rural Insurance Farm Motor

Rural Insurance Farm Motor Rural Insurance Farm Motor Policy Summary Rural Insurance agricultural and rural insurance specialists Tel: 01423 876 000 Fax: 01423 876 001 Email: enquiries@ruralinsurance.co.uk ruralinsurance.co.uk Farm

More information

MOTOR LEGAL PROTECTION

MOTOR LEGAL PROTECTION www.bestpricefs.co.uk MOTOR LEGAL PROTECTION This is your Bronze Key Facts Policy Summary Policy Summary This policy summary provides key information about Best Price Bronze Motor Protection, which you

More information

Travel Accident Policy Document Statement of demands and needs

Travel Accident Policy Document Statement of demands and needs Travel Accident Policy Document Statement of demands and needs This product meets the demands and needs of those who are aged over 18 but under 65 and fulfil the eligibility criteria and who wish to benefit

More information

Hire Car Policy Summary and Policy Wording

Hire Car Policy Summary and Policy Wording Hire Car Policy Summary and Policy Wording www.debenhamscarinsurance.co.uk Contents Hire Car Insurance Policy Summary... 4 Your Hire Car Policy Terms and Conditions... 6 Notice to the Policyholder/Insured

More information

GREEN PET INSURANCE IN ASSOCIATION WITH ULTIMATE PET PARTNERS LIMITED GOLD COVER

GREEN PET INSURANCE IN ASSOCIATION WITH ULTIMATE PET PARTNERS LIMITED GOLD COVER GREEN PET INSURANCE IN ASSOCIATION WITH ULTIMATE PET PARTNERS LIMITED GOLD COVER POLICY KEY FACTS This policy summary does not contain the full details of Your policy, and should be read in conjunction

More information

AXA Car Insurance. Policy summary. June 2014 edition

AXA Car Insurance. Policy summary. June 2014 edition AXA Car Insurance Policy summary June 2014 edition 35372_APLD0144ZF_SUM_A5.indd 1 17/06/2014 13:36 Policy summary This document is a summary of the insurance cover provided by the AXA Car policy. Therefore

More information

Terms and Conditions

Terms and Conditions Terms and Conditions Terms and Conditions Thank you for choosing drive like a girl which is a trading style of Insure The Box Limited and underwritten by the insurers named below and on your Schedule.

More information

summary of cover HERITAGE RESIDENTIAL INSURANCE Version 3

summary of cover HERITAGE RESIDENTIAL INSURANCE Version 3 summary of cover HERITAGE RESIDENTIAL INSURANCE Version 3 Contents Introduction 3 Buildings 4 Contents 6 Fine art and valuables 10 Liabilities 12 Legal expenses 12 Trustees indemnity 14 Travel 15 General

More information

Policy Summary for Over 50s Fixed Life Insurance Plan

Policy Summary for Over 50s Fixed Life Insurance Plan Policy Summary for Over 50s Fixed Life Insurance Plan This is an important document which you should read carefully so that you understand what you are buying and help you decide whether our Over 50s Fixed

More information

Drive. Policy Summary

Drive. Policy Summary 1 Drive Policy Summary Drive Policy Summary Drive is underwritten by Royal & Sun Alliance Insurance plc. It is an annual contract and may be renewed each year subject to the terms and conditions then applicable.

More information

Saga Guaranteed Life Insurance

Saga Guaranteed Life Insurance Saga Guaranteed Life Insurance Important information for customers including your Policy Summary from VitalityLife Important information for customers Saga Guaranteed Life Insurance is underwritten by

More information

Saga Accidental Death Benefit Your Policy Booklet

Saga Accidental Death Benefit Your Policy Booklet Saga Accidental Death Benefit Your Policy Booklet Welcome to Saga Accidental Death Benefit. As with all our services, we have designed this policy with our customers needs in mind and I hope you will be

More information

www.einsurancegroup.co.uk Your Prestige Hire Car Policy Summary and Policy Wording

www.einsurancegroup.co.uk Your Prestige Hire Car Policy Summary and Policy Wording www.einsurancegroup.co.uk Your Prestige Hire Car Policy Summary and Policy Wording Contents ecar - Prestige Hire Car Policy Summary...4 Your Prestige Hire Car Policy Terms and Conditions...6 Notice to

More information

Policy Summary. Inside you ll find a summary of: Tesco Bank Car Insurance. Car Insurance

Policy Summary. Inside you ll find a summary of: Tesco Bank Car Insurance. Car Insurance Policy Summary Inside you ll find a summary of: Tesco Bank Car Insurance Car Insurance Tesco Bank Car Insurance Policy Summary This is a summary of cover available under Tesco Bank Car Insurance. It does

More information

Policy Summary. Inside you ll find a summary of your Value car insurance. tescobank.com

Policy Summary. Inside you ll find a summary of your Value car insurance. tescobank.com Policy Summary Inside you ll find a summary of your Value car insurance tescobank.com Tesco Bank Value Car Insurance Policy Summary This is a summary of cover available under Tesco Bank Value Car Insurance.

More information

Buildings Insurance If you select Buildings Insurance, the following will automatically be included:

Buildings Insurance If you select Buildings Insurance, the following will automatically be included: Adelaide Homeshield Policy Summary Homeshield is underwritten by Royal & Sun Alliance Insurance plc. It is an annual contract and may be renewed each year subject to the terms and conditions then applicable.

More information

Policy Summary. Please print this document and keep in a safe place for future reference with your Policy Terms and Conditions and Policy Schedule.

Policy Summary. Please print this document and keep in a safe place for future reference with your Policy Terms and Conditions and Policy Schedule. INSURED funeral plan Policy Summary. Please print this document and keep in a safe place for future reference with your Policy Terms and Conditions and Policy Schedule. 2 Policy SUMMARY INSURED Funeral

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

An Insurance package suitable for businesses in the professional services industry for example solicitors, accountants etc.

An Insurance package suitable for businesses in the professional services industry for example solicitors, accountants etc. Office Insurance Summary of Cover September 201 Edition An Insurance package suitable for businesses in the professional services industry for example solicitors, accountants etc. Why choose AXA s Offices

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

Saga Guaranteed Life Insurance. Your Policy Provisions

Saga Guaranteed Life Insurance. Your Policy Provisions Saga Guaranteed Life Insurance Your Policy Provisions Saga Guaranteed Life Insurance is provided by VitalityLife. Contents 1. General description 2. Policy conditions 2.1 Definitions 2.2 Policy duration

More information

DASDRIVE ACCIDENT ASSISTANCE & LEGAL PROTECTION KEY FACTS BROCHURE HAD AN ACCIDENT? CALL US NOW

DASDRIVE ACCIDENT ASSISTANCE & LEGAL PROTECTION KEY FACTS BROCHURE HAD AN ACCIDENT? CALL US NOW DASDRIVE ACCIDENT ASSISTANCE & LEGAL PROTECTION KEY FACTS BROCHURE For recovering your vehicle, notifying your insurer, replacement hire vehicles or courtesy cars, arranging repairs and securing compensation

More information

Motorcycle Policy Summary and Important Information

Motorcycle Policy Summary and Important Information Motorcycle Policy Summary and Important Information This is a summary of the policy and does not contain the full terms and conditions of the cover, which can be found in the policy documentation. It is

More information

Car Solutions Prospectus and Summary of Cover. What you need to know

Car Solutions Prospectus and Summary of Cover. What you need to know Car Solutions Prospectus and Summary of Cover What you need to know 2 We recognise that you re probably more passionate about your car than you are about your car insurance. That s why we re here to make

More information

Personal Accident Plan Terms and Conditions

Personal Accident Plan Terms and Conditions Personal Accident Plan Terms and Conditions elephant.co.uk Policy Summary Personal Accident Plan This policy summary does not contain full terms and conditions of the cover, which can be found in the policy

More information

Hertfordshire County Council Personal Accident & Travel Insurance POLICY SUMMARY

Hertfordshire County Council Personal Accident & Travel Insurance POLICY SUMMARY Hertfordshire County Council Personal Accident & 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

AXA Car Insurance. Policy summary. April 2015 edition

AXA Car Insurance. Policy summary. April 2015 edition AXA Car Insurance Policy summary April 2015 edition Policy summary This document is a summary of the insurance cover provided by the AXA Car policy. Therefore it does not contain the full terms and conditions

More information

Full details of what you have chosen are shown in your personal quotation and policy schedule.

Full details of what you have chosen are shown in your personal quotation and policy schedule. CAR INSURANCE SUMMARY μ Car Insurance is underwritten by Royal & Sun Alliance Insurance plc. It is an annual contract and may be renewed each year subject to the terms and conditions then applicable. You

More information

An insurance package suitable for small to medium sized businesses in the construction industry with a:-

An insurance package suitable for small to medium sized businesses in the construction industry with a:- Contractors Choice Summary of Cover An insurance package suitable for small to medium sized businesses in the construction industry with a:- Turnover up to 1.5m at new business and 2m at renewal Maximum

More information

School / Academy Personal Accident & Travel Insurance. Policy Summary

School / Academy Personal Accident & Travel Insurance. Policy Summary School / Academy Personal Accident & Travel Insurance Policy Summary The purpose of this policy summary is to help you understand the insurance by setting out the significant features,, limitations and

More information

Saga Guaranteed Life Insurance

Saga Guaranteed Life Insurance Saga Guaranteed Life Insurance Important information for customers including your Policy Summary from VitalityLife Important information for customers Saga Personal Finance is a registered trading name

More information

Replacement Vehicle Car Insurance Policy

Replacement Vehicle Car Insurance Policy Replacement Vehicle Car Policy Express Services - Replacement Vehicle Policy Summary Express Services - Replacement Vehicle Policy Policy Summary This is a summary of available under the Express Services

More information