Personal Accident and Business Travel

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1 Personal Accident and Business Travel Policyholder University of Greenwich Period of Insurance 1 August 2014 to 31 July 2015 Policy No Lead Insurer 14-PAT ACE European Group Limited This is a summary of cover only. If anything is in conflict with the policy document then your policy will prevail General Section The Choice of Law and General Warranties and Conditions Precedent apply to all Sections of the Policy Choice of Law This Policy shall be governed by and construed in accordance with the Law of England and Wales and the English Courts alone shall have jurisdiction in any dispute. Communication of and in connection with this Policy shall be in the English language. General Exclusions Members of the Armed Forces Secondees on Journeys over 12 months unless referred to and accepted by Insurers War whether declared or not General Conditions Assignment Associated Companies Automatic Cover for Acquisitions and New Subsidiaries Cancellation Claims Conditions Contracts (Rights of Third Parties) Act Fraud Hi-jack/Kidnap Interest Payment of Benefits Payments on account Reasonable Precautions

2 Personal Accident Section Cover Accidental Bodily Injury including Bodily Injury resulting from unavoidable exposure to severe weather conditions sustained by the Insured Person during the Period of Insurance and in the Effective Time which within 2 years results in death, disablement or the incurring of medical expenses Insured Persons Category A Category B All employees of the Policyholder normally resident in the United Kingdom including external examiners whilst travelling on the Policyholders behalf All students of the Policyholder Category C Category D Category E All Money couriers, Guards and Security staff of the Policyholder normally resident in the United Kingdom All Wardens of the Policyholder normally resident in the United Kingdom Tanya Strathers Effective Time/Journey Definition Category A Category B Category C Category D Category E All Business Travel (including Incidental Holiday Travel) All Business Travel (including Incidental Holiday Travel) Assault - Occupational Assault - Occupational All Business Travel (including Incidental Holiday Travel) outside country of Permanent Residence Benefits Variable Injury Benefits Category A & E Category B Category C Category D 1. Death 100,000 50,000 6xAnnual Salary 2. (a) Loss of limb(s) sight in one or both eyes speech or hearing in both ears (b) loss of hearing in one ear (30% of benefit shown) 100,000 50,000 6xAnnual Salary 3. Permanent Total Disablement 100,000 50,000 6xAnnual Salary 4. Permanent Partial Disablement 5. Temporary Total Disablement (104 weeks deferment 26 weeks) 6. Temporary Partial Disablement (104 weeks deferment 26 weeks) 100,000 50,000 6xAnnual Salary Not Covered Not Covered

3 Accident Medical Expenses 25% of any amount paid under items 1, 2, 3, 4, 5 or 6 of the Variable Injury Benefits up to a maximum of 25,000 Rehabilitation Case Management Insured Event Where an Insured Person suffers Bodily Injury which is likely to result in a valid claim under: a) items 2, 3 or 4 of the Variable Injury Benefits b) items 5 or 6 of the Variable Injury Benefits which exceeds the Deferment Period Case Management Period 12 months 3 months Maximum Limits Per Insured Person Items 1,2, 3 or 4 In respect of Items 1,2, 3 and 4 inclusive and all extensions Item 5 (per week) Item 6 (per week) Insured Persons who have attained the age of 80 maximum benefit Insured Person who is a Child maximum benefit for Death only 120,000 2,500, (maximum 100% Weekly Wage) 250 (maximum 50% Weekly Wage) 150,000 Aggregate Limits Per Event for all Insured Persons whilst travelling in any multi-engined aircraft Per Event for all Insured Persons whilst travelling in any aerial device other than a multi-engined aircraft 600, ,000 Per Event overall 10,000,000 Additional Insured Persons 1) Partners and/or Children of Directors and one member of any Director s domestic staff provided that such Directors are included under Section A Personal Accident on either 24 hour basis or occupational including/excluding commuting basis. 2) Any Visitor 3) Partners and/or Children of Employees whilst accompanying travelling independently to join or returning from being with such Employees who are on a Journey provided that such Employees are included under Section A Personal Accident 4) Directors Employees and/or Guests of the Policyholder 5) Any person who on medical advice from a Qualified Medical Practitioner is advised to travel to or remain with an Insured Person Principal Extensions Please note Inner Limits apply to the following Extensions. Specific Conditions may also apply. Please refer to the Schedule and Policy for details

4 Catastrophe Benefit Chauffeur Expenses Child Benefit Childcare Expenses Coma Benefit Corporate Reputation Protection Damage to Personal Belongings Dental and Optical Expenses Dependent Adult Benefit Disability Assistance Domestic Service Expenses Executor Expenses Funeral Expenses Hospital Confinement Benefit Hospital Out-Patient Travel Expenses Hospital Visiting Expenses Paraplegia Personnel Replacement Expenses Post Traumatic Stress Disorder Terrorism Quadriplegia Quality of Life Improvement Advice Recruitment Costs following suicide Recruitment Expenses Rehabilitation Case Management Relocation Expenses Retraining Benefit for Insured Persons Retraining Benefit for Partner of Insured Persons Return home Expenses Scarring Benefits Simultaneous Death of Insured Person and Partner Work Experience Workplace Assault Medical Expenses Principal Exclusions Bodily injury resulting from sickness or disease Permanent Total Disablement benefits for children or persons not in remunerated employment Permanent Total Disablement benefits, Temporary Total Disablement benefits or Temporary Partial Disablement benefits for persons over 80 years of age Psychological/psychiatric conditions other than Post Traumatic Stress Disorder caused by Accidental Bodily Injury or as a result of witnessing an act of Terrorism on public transport Suicide Principal Conditions Aggregate Limit Payment of Benefits Pre-existing Conditions

5 Additional Information A separate questionnaire is required in respect of any Insured Person: Who works or travels Offshore or Who flies other than as a passenger

6 Business Travel Section Cover Payment for loss or damage to personal belongings, business equipment or money, expenses for medical treatment and associated costs, reimbursement of cancellation costs, legal expenses and indemnity in respect of legal liability as more particularly described in the individual sub-sections. Insured Persons Category A Category B Category AP1 Category AP2 Category AP3 Category AP4 Category AP5 All employees of the Policyholder normally resident in the United Kingdom and all students of the Policyholder including external examiners whilst travelling on the Policyholders behalf Tanya Struthers Additional Insured Persons* Partners and/or Children of Directors and one member of any Director s domestic staff provided that such Directors are included under Section A Personal Accident on either 24 hour basis or occupational including/excluding commuting basis Any Visitor Partners and/or Children of Employees whilst accompanying travelling independently to join or returning from being with such Employees who are on a Journey provided that such Employees are included under Section A Personal Accident Directors Employees and/or Guests of the Policyholder Any person who on medical advice from a Qualified Medical Practitioner is advised to travel to or remain with an Insured Person Effective Time/Journey Definition Category A Category B Category AP1 Category AP2 Category AP3 Category AP4 Category AP5 All Business Travel (including Incidental Holiday Travel) All Business Travel (including Incidental Holiday Travel) outside country of Permanent Residence Business or Holiday Travel Corporate Event Travel Business travel outside the United Kingdom (including Incidental Holiday Travel) or All Business Travel (including Incidental Holiday Travel) whichever applies to such employees Holiday Travel Compassionate Travel Benefits per Sub-section Benefit Amount

7 Person per trip 1. Disruption Cancellation/Alteration/Curtailment/Replacement/Rearrangement per Insured Person 10, Hijack Daily Benefit payable for up to 50 days Maximum per Insured Person 3. Kidnap, Ransom and Extortion Extortion/Ransom Monies and Kidnap or Extortion Expenses Aggregate Limit in any one Period of Insurance Security Specialists Costs Aggregate Limit in any one Period of Insurance 4. Legal Expenses Travel and Accommodation Expenses to attend court 5. Medical and Other Expenses Medical Expenses (Cover does not apply to Journeys in Country of Permanent Residence) per Insured Person Supplementary Travel and Accommodation Expenses Emergency Repatriation Expenses Hospital Confinement - Daily Benefit Up to a maximum of Continuing Medical Expenses Search and Rescue Expenses 6. Money (Where value of cash exceeds 3,000 25% Co-insurance applies) Financial Card Misuse Cheque Misuse ,000 50,000 50, Unlimited (Included in Medical Expenses) Unlimited 50 50,000 50,000 10,000 5,000 1, Personal Belongings and Business Equipment Personal Belongings per Insured Person (Where value of any one article, pair or set exceeds 3,000 25% Co-insurance applies) Personal Belongings Delay Loss of Keys Business Equipment: Loss of Travel Documents 10,000 2,000 1,000 3,000 2, Personal Liability 5,000, Personal Security Specialist Expenses Per Insured Person Aggregate Limit (per Insured Event and in any one Period of Insurance) 250,000

8 10. Political and Natural Disaster Evacuation Evacuation Expenses Daily Accommodation Benefit where Evacuation is impossible (up to a maximum of 14 days) Aggregate Limit (per Insured Event and in any one Period of Insurance) 11. Rental Vehicle Excess Excess payable following loss by theft, collision or damage Aggregate Limit (in any one Period of Insurance) 12. Travel Delay per Insured Person First 4 consecutive hours Each subsequent hour or part thereof Up to a maximum of 50, ,000 1, Specific Warranties and Conditions Precedent Conditions Precedent Section B Travel Sub Section 11 Rental Vehicle Excess Conditions Applicable to Rental Vehicle 1) No claim shall be payable unless the Rental Vehicle has been rented from a licensed Rental Vehicle company. 2) No claim shall be payable unless all requirements of the Rental Vehicle insurance policy has been complied with or any other insurance policy applicable to the Insured Person under which the Insured Person is claiming in respect of loss of or theft of or damage to the Rental Vehicle have been complied with Principal Exclusions Cancellation Curtailment Change of Itinerary: Default of transport or accommodation provider Disinclination to travel An Insured person travelling or intending to travel against the advice of a Qualified medical Practitioner or for the purpose of obtaining medical treatment or advice Regulations made by any Public Authority or Government Kidnap and Extortion: Claims within the United Kingdom and Excluded Countries Any claim for an Insured Person in their Country of Permanent Residence Warnings against travel to a Region Legal Expenses: Legal Proceedings between an Insured Person and the Policyholder or any other Insured Person Costs relating to a claim or counter-claim made against an Insured Person by any other party Any claim arising out of the criminal wilful deliberate reckless or intentional act of an Insured Person Medical and other travel expenses: Any Emergency Repatriation Expenses incurred without the agreement/approval of AonProtect Assiustance

9 Expenses incurred after 24 months Travelling against medical advice or for the purpose of obtaining medical treatment Money: Losses of Financial Cards or other documents not reported to appropriate authorities within 48 hours of discovery Personal Belongings and Business Equipment: Household items and Vehicles or their accessories Items left in unlocked vehicles For any Personal Belongings and Business Equipment sent as freight air waybill or bill of lading Personal Liability: Injury to Employees or family members Punitive or exemplary damages in the USA or Canada Liability assumed by the Insured Person under contract or agreement unless such liability would have attached in the absence of such contract or agreement Personal Security Specialist Expenses: Any fraudulent dishonest or criminal act of the Policyholder or Insured Person Political and Natural Disaster Evacuation: Evacuation of an Insured Person from their Country of Permanent Residence Evacuation organised and undertaken without the prior consent and agreement of Aon Protect Assistance Rental Vehicle Excess: Caused deliberately by the Insured Person In respect of Secondees on Journeys over 12 months: Damage that existed at the start of the period of rental Travel Delay: Strike or industrial action which existed or of which advance notice had been given on or before the date the Journey was booked Principal Conditions Kidnap & Extortion: AonProtect Assistance must be informed immediately or as soon as reasonably possible of any situation that may give rise to a claim The security specialist engaged by the Insurers as part of AonProtect Assistance shall take over and control all negotiations on behalf of the Policyholder and no offer promise or payment shall be made by the Policyholder or their representatives without the express consent of the Insurers Legal Expenses: Cooperation Control of legal proceedings Personal Liability: No admission of liability Notice of prosecution - immediate Personal Security Specialist Expenses: AonProtect Assistance must be informed immediately or as soon as

10 reasonably possible of any situation that may give rise to a claim Any extrication must be organised by AonProtect Assistance who will use the most appropriate method including if necessary the attendance of a security specialist to accompany the Insured Person Political and Natural Disaster Evacuation: AonProtect Assistance must be informed immediately or as soon as reasonably possible of any situation that may give rise to a claim or as soon as reasonably possible thereafter Rental Vehicle Excess: No claim shall be payable unless the Rental Vehicle has been rented from a licensed Rental Vehicle company

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