2 2 Cancellation insurance THIS IS YOUR POLICY DOCUMENT PLEASE ENSURE YOU READ IT CAREFULLY KEEP THIS DOCUMENT WITH YOU WHEN TRAVELLING This policy document contains details of the Cancellation Insurance Scheme which is underwritten by UK General Insurance Limited on behalf of Ageas Insurance Limited. Registered in England No Registered Office: Ageas House, Hampshire Corporate Park, Templars Way, Eastleigh, Hampshire, SO53 3YA. Full details can be found on the FCA s Register by visiting or by contacting the FCA on +44 (0) Wherever insurer is detailed throughout the policy wording, this will mean UK General Insurance Limited on behalf of Ageas Insurance Limited. Important Information Your personal insurance number is the same as Your booking invoice or validation certificate number. Please note Your personal insurance number prior to travel. This policy document and booking invoice or validation certificate showing the insurance premium, inclusive of tax where applicable, is all that we will issue to You. Please ensure that You retain these original documents as You will need to submit them in the event of a claim arising. This policy will have been sold to You on a non-advised basis and it is therefore important for You to read this policy document (paying particular attention to the terms, conditions and exclusions) and ensure that Your chosen policy meets all of Your requirements. If upon reading this policy document You find that it does not meet all of Your requirements, please refer to the relevant cooling off section. Consumer Insurance (Disclosure and Representations) Act 2012 You are required under the provisions of the Consumer Insurance (Disclosure and Representations) Act 2012 to take care to: 1. supply accurate and complete answers to all questions we or administrators may ask as part of Your application for cover under this policy. 2. to make sure that all information supplied as part of Your application for cover is true and accurate. 3. tell us of any changes to the answers as soon as possible. Failure to provide answers in-line with the requirements of the Act may mean that Your policy is invalid and that it does not operate in the event of a claim. Important Declaration Pre-Existing Medical Conditions Please Read Carefully Your policy excludes all claims relating directly or indirectly to Pre-Existing Medical Conditions that affect you, your travelling companions or anyone else upon whom your travel plans may depend, such as a Close Relative. Anyone named under this policy must have read this Important Declaration and understood the medical screening questions. Your policy can only provide cover in respect of an event/occurrence which is sudden, unforeseen and beyond Your reasonable control and excludes all cover for Pre-Existing Medical Conditions unless disclosed to us and we agree cover. Please read and answer the following Medical Screening questions: Have You or a Close Relative ever received treatment (including surgery, tests or investigations by Your doctor, a consultant or specialist), or been prescribed drugs or medication for any respiratory condition (relating to the lungs or breathing), heart condition, stroke, Crohn s disease, epilepsy, allergy, or cancer? Have You or a Close Relative received surgery, in-patient treatment or investigations in a hospital or clinic or been prescribed drugs or medication, within the last twelve months, for any other Medical Condition? Are You aware of any circumstances that could reasonably be expected to give rise to a claim on this policy? If You have answered No to the questions above, You do not need to contact Healthcheck If You have answered Yes to any of these questions, You should contact Healthcheck on This should be done at the time of taking out this insurance or during the period of insurance prior to booking Your trip if Your health changes. Healthcheck will confirm whether or not cover is available for the condition. An additional premium may be payable.
3 3 Failure to contact Healthcheck or providing an incomplete or inaccurate declaration may invalidate any claim. Healthcheck may be contacted between and Monday to Friday and to on Saturdays. When You contact Healthcheck, You will be asked for Your personal and travel details. Please have Your individual policy number to hand if known. Once You have answered some specific questions about Your Pre-Existing Medical Condition, You will be advised whether the Pre-Existing Medical Condition can be covered, an optional additional premium may be quoted and amendments may be made to the policy terms and conditions. If terms can be provided for the condition and You elect to take up the offer of the additional cover, You will be given a medical screening reference number and a letter will be sent to You upon receipt of payment. Any additional premiums must be paid directly to Healthcheck and not the company You are arranging Your travel insurance with. Should You not wish to take advantage of the optional terms quoted by Healthcheck, cover for all Pre-Existing Medical Conditions will be excluded. Changes in Health Provided the journey was booked before the change of health occurred, You may have a valid cancellation claim if You have to cancel Your journey or if the Insurer can no longer provide the cover required. If You book a new journey without telling Healthcheck about any health changes noted above, the Insurer will not cover any claims directly or indirectly caused by, arising or resulting from, or in connection with this change of health. If advised about Your change of health, Healthcheck will tell You if they can provide cover for any claim arising from this change of health, and if so, whether any additional premium is required, or any additional terms apply. If the Insurer agrees to cover any change in health, then they will confirm this in writing. If You do not let Healthcheck know about any of Your changes of health, then You may not have the cover You need and it may invalidate Your policy or reduce the amount of any claim. Medical Exclusions At the time of taking out this policy: There is no cover under this policy for: i) Any Medical Condition for which You or any other person upon whom travel depends, such as a Close Relative, have received a terminal prognosis. ii) Any Medical Condition that You are aware of but which has not had a formal diagnosis. iii) Any Medical Condition for which You or any other person upon whom travel depends, such as a Close Relative, are on a waiting list for or has knowledge of the need for surgery in a hospital. At any time: There is no cover under this policy for: i) Any Medical Condition that You have in respect of which a Medical Practitioner has advised You not to travel or would have done so if You had sought their advice. ii) Any surgery, treatment or investigations for which You intend to travel outside Your Home Country to receive (including expenses incurred due to the discovery of other Medical Conditions during and/or complications arising from these procedures). iii) Any Medical Condition for which You or any other person upon whom travel depends, such as a Close Relative, is not taking the recommended treatment or prescribed medication as directed by a Medical Practitioner. iv) Pregnancy when You are expected to give birth within two months of the return date of Your trip. v) Participating in any activity where You have been advised against doing so by a Medical Practitioner. How to make a claim Notice must be given within 45 days of the date of occurrence of any claim under this Insurance. To notify a claim and request a claims form please contact the claims handlers: Claims Settlement Agencies London Road, Hadleigh, Essex SS7 2DD Tel:
4 4 Complaints procedure It is our intention to provide You with the best service possible, but if You do have any questions or concerns about this insurance or the handling of a claim You should follow the Complaints Procedure below: SALE OF THE POLICY Please contact Your agent who arranged the Insurance on Your behalf. If Your complaint about the sale of Your policy cannot be resolved by the end of the next working day, Your agent will pass it to: Customer Relations Department, UK General Insurance Group Limited, Cast House, Old Mill Business Park, Gibraltar Island Road, Leeds, LS10 1RJ. CLAIMS In all correspondence please state that Your insurance is provided by UK General Insurance Group Limited and quote reference tagisne16/05045e. If Your complaint about Your claim cannot be resolved by the next working day, Claims Settlement Agencies will pass it to: Customer Relations Department, UK General Insurance Group Limited, Cast House, Old Mill Business Park, Gibraltar Island Road, Leeds, LS10 1RJ. If it is not possible to reach an agreement, You have the right to make an appeal to the Financial Ombudsman Service. This also applies if You are insured in a business capacity and have an annual turnover of less than 2million and fewer than ten staff. You may contact the Financial Ombudsman Service at: Exchange Tower, Harbour Exchange Square, London, E14 9SR. Telephone or Compensation Scheme Ageas Insurance Limited is covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme, if they cannot meet their obligations. This depends on the type of business and the circumstances of the claim. Most insurance contracts are covered for 90% of the claim with no upper limit. You can get more information about compensation scheme arrangements from the FSCS or visit Definitions Any word or expression to which a specific meaning has been attached will bear the same meaning throughout this policy document. For ease of reading the definitions are highlighted by the use of bold print and will start with a capital letter. Close Relative Means mother, father, sister, brother, wife, husband, partner (including common law and civil partnerships), son, daughter (including fostered/adopted), grandparent, grandchild, parent in law, son in law, daughter in law, brother in law, sister in law, step parent, step child, step sister, step brother or legal guardian. Dependent Business Partner Means a person in the same employ as You whose absence from work necessitates Your presence. Home Country Means the country that the Insured Person normally resides in within the United Kingdom or Channel Islands. Insured Person/You/Your Means any person named on the booking invoice or validation certificate (as applicable). Irrecoverable Payments and Charges Means the cost of pre-paid tickets or bookings that are not refundable from the provider. Medical Condition Means any disease, illness or injury. Medical Practitioner Means a registered practicing member of the medical profession who is not related to the Insured Person or any person with whom they are travelling. Policy Excess Means the amount of any claim that You have to pay before any payment is made to You. Pre-Existing Medical Condition Means a) Any respiratory condition (relating to the lungs or breathing), heart condition, stroke, Crohn s disease, epilepsy, allergy, or cancer for which You or a Close Relative have
5 5 ever received treatment (including surgery, tests or investigations by your doctor or a consultant/specialist or been prescribed drugs/medication). b) Any Medical Condition for which You or a Close Relative have received surgery, inpatient treatment or investigations in a hospital or clinic or been prescribed drugs or medication within the last twelve months. Terrorism Means an act, including but not limited to, the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on the behalf of or in connection with any organisation(s) or Governments, committed for political, religious, ideological or similar purposes including the intention to influence any Government and/or to put the public, or any of the public, in fear. Travelling Companion Means a person that the Insured Person has arranged to undertake their journey with if it would be unreasonable to expect the Insured Person to continue with their journey without that person. General information Cooling off Period The Insured Person may cancel this policy within 14 days of the date of receipt of the policy document by writing to or calling us during the 14 day cooling off period. Any premium paid will be refunded in full so long as no period of travel has started and there are no known losses. If the Insured Person elects to cancel this policy after the first 14 days of the date of receipt of the policy documentation, it will be cancelled from the date your instructions are received or any later date You advise. You may be charged a premium proportional to the cover that has been in force up to the date of your cancellation, and a reasonable administration charge for any costs incurred. Period of insurance The period You are insured for as shown on Your booking invoice or validation certificate (as applicable). Fraudulent Claims The Insured Person must not act in a fraudulent manner. If the Insured Person or anyone acting for them: Make a claim under the policy knowing the claim to be false or fraudulently exaggerated in any respect; or Make a statement in support of a claim knowing the statement to be false in any respect; or Submit a document in support of a claim knowing the document to be forged or false in any respect; or Make a claim in respect of any loss or damage caused by their willful act or with their connivance Then: The Insurer shall not pay the claim The Insurer shall not pay any other claim which has been made under the policy. The Insurer may at their option declare the policy void. The Insurer shall be entitled to recover from the Insured Person the amount of any claim already paid under the policy since the last renewal date. The Insurer shall not make any return premiums. The Insurer may inform the Police of the circumstances. Duplicate Insurance If at the time of loss there is another insurance against such loss or damage or any part thereof the Insurer shall be liable under this Insurance for its proportionate share only of such loss or damage. Subrogation The Insurer is entitled to take over any rights in the defence or settlement of any claim and to take proceedings in the Insured Person s name for the Insurer s benefit against any other party. Law United Kingdom law allows the parties to choose the law applicable to the contract. You agree that; 1. this policy will be governed and interpreted in accordance with the law of England and Wales and only the English Courts will have jurisdiction in any dispute; and 2. communication of and in connection with this policy shall be in the English language.
6 6 General conditions The Insured Person must comply with all the terms and conditions stated in this policy document to have the full protection of their policy. If the Insured Person does not comply the Insurer may at their option cancel the policy or refuse to deal with their claim or reduce the amount of any claim payment. General Conditions This Insurance is available for holiday or business travel, but excludes overseas residency, permanent overseas employment, work of a predominantly manual nature or any hazardous activity not agreed on behalf of the Insurer. General exclusions The Insurer shall not pay (unless agreed in writing by or on behalf of the Insurer) for any claim directly or indirectly caused by, arising or resulting from, or in connection with: 1. (a) Wilful exposure to needless danger (other than in an attempt to save human life); or (b) Air travel within 24 hours of scuba diving. 2. (a) Any form of stress or anxiety; or (b) Depression or any other mental or nervous disorder that was diagnosed before the period of insurance commenced, or before Your trip was booked (whichever is later). Mental disorders diagnosed at any other time are also excluded unless investigated and diagnosed by a hospital consultant specialising in the relevant field. 3. Any wilfully self inflicted injury or illness, insanity, suicide or attempted suicide, sexually transmitted diseases, solvent abuse, the use of drugs (other than medically prescribed) and the effects of alcohol. 4. The Insured Person s participation in any criminal or illegal acts. 5. Any consequence of any act of war, invasion, act of foreign enemy, hostilities (whether declared or not), civil war, civil commotion, rebellion, revolution, insurrection, military force, any act of Terrorism where You are actively engaged and/or where You have travelled and/or You remain contrary to Foreign & Commonwealth Office travel advice. 6. Damage to, or loss or destruction of any property or any loss or expense whatsoever arising indirectly caused by or contributed to, by or arising from: (a) Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste resulting from the combustion of nuclear fuel; or (b) The radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component of such assembly. 7. (a) Unless the Insurer provides cover under this insurance, any other loss, damage or additional expenses following on from the event for which the Insured Person is claiming. Examples of such loss, damage, or additional expense would be the cost of replacing locks after losing keys, costs incurred of preparing a claim, or loss of earnings following bodily injury or illness. 8. Any Insured Person s travel to a country, specific area or event to which the Travel Advice unit of the British Foreign and Commonwealth Office or the World Health Organisation has advised against all, or all but essential travel, unless agreed by or on behalf of the Insurer. 9. Interest on any benefit payable under this policy unless payment has been unreasonably delayed by or on behalf of the Insurer following receipt of all the required certificates, information and evidence necessary to support the claim. 10. Sonic or pressure waves from aircraft and other airborne devices travelling at sonic or supersonic speeds. 11. Any Medical Condition where the terms shown under Important Declaration - Pre- Existing Medical Conditions have not been followed or where any Medical Conditions are specifically excluded. 12. Any circumstances the Insured Person is aware of that could reasonably be expected to give rise to a claim on this policy unless the Insured Person has been given the Insurer s written agreement.
7 7 Cancellation Up to 1,000 Should an Insured Person necessarily have to cancel any element of the projected journey as a result of: i) the death, accidental bodily injury, illness, compulsory quarantine on the orders of a treating Medical Practitioner, redundancy that qualifies for payment under current redundancy legislation, cancellation of leave for British Forces, Police or government security staff, summoning to jury service or witness attendance in a court of an Insured Person or insured Travelling Companion. ii) the accidental bodily injury or illness of an Insured Person which results in them being unable to compete in a pre-booked race event as verified by a treating Medical Practitioner. iii) the death, serious injury or illness of a Close Relative, or the person with whom the Insured Person intends to reside at the holiday or journey destination, or Dependent Business Partner of the Insured Person or insured travelling companion which necessitates the presence of the person concerned. iv) hijack. v) adverse weather conditions making it impossible for an Insured Person to travel to initial point of departure at commencement of outward journey. vi) major damage or burglary at the Insured Person's home or place of business which at the request of an emergency service requires their presence. The Insurer will pay for Cancellation for any Irrecoverable Payments and Charges (whether paid or contracted to be paid) for travel, accommodation, race entry fees, tours or excursions up to the Sum Insured, for any of the above reasons. CANCELLATION EXCLUSIONS The Insurer shall not pay for any claim directly or indirectly caused by, arising or resulting from, or in connection with: 1. travel against any health requirements stipulated by the carrier, their handling agents or any other public transport provider 2. any Medical Condition where the terms shown under Important Declaration Pre- Existing Medical Conditions have not been followed or where any Medical Conditions are specifically excluded. 3. arising from being unable to continue with Your travel due to Your failure to obtain the passport or visa You require for Your trip 4. a disinclination to travel or any other adverse financial situation (except for redundancy that qualifies for payment under current redundancy legislation). Data protection and fraud prevention Please note that any information provided to us will be processed by us and our agents in compliance with the provisions of the Data Protection Act 1998, for the purpose of providing insurance and handling claims, if any, which may necessitate providing such information to third parties. We may also send the information in confidence, for processing to other companies acting on our instructions including those located outside of the European Economic Area.
8 Helpful telephone numbers Telephone calls may be monitored or recorded in order to improve service and to prevent and detect fraud. Healthcheck If you need to advise us of anything under the Important declaration, or Changes in your circumstances during the period of insurance please call t Claims If you need a claim form call Claims Settlement Agencies quoting reference tagisne16 t tagisne16
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