your statement of insurance

Transcription

1 your statement of insurance Schoo - Winter Trave Insurance poicyhoder: STG issued on: 1st February 2013 poicy number: NS reason for issue: new business This Statement of Insurance forms part of Your winter trave insurance Poicy. Pease check these detais carefuy and et us know immediatey of any errors. your detais poicyhoder address STG One Jubiee Street, Brighton, Sussex, BN1 1GE your cover and premium period of cover for bookings between 1st February 2013 unti 31st August 2014 cover section winter trave insurance winter sports baggage insurer Inter Partner Assistance Inter Partner Assistance Inter Partner Assistance about your trip cover area Any Wordwide (Incuding USA, Canada & Caribbean) destination for a trip booked or undertaken within the Period of Insurance by an Insured Person for the purpose of trave with the Poicyhoder, and for which the appropriate premium has been paid. insured persons You have confirmed that each person traveing on the trip is a traveer of STG. your cover - more detais Winter Trave Insurance Baggage cover operative Winter Sports The winter sports and activities that this poicy wi cover are isted in your poicy wording. excesses and specia terms and conditions appicabe to your whoe poicy You are responsibe for paying the first part of each and every caim per incident caimed for under each section of the poicy for each insured person. The standard excesses payabe in the event of a caim are shown within your poicy wording document. About Your Obigations It is important that You check that the information given in Your Statement of Insurance is to the best of Your knowedge and beief compete and correct. You shoud discose any materia information or fact. Materia information or facts are ones that are ikey to infuence the assessment or acceptance of Your appication for insurance, even if a direct question has not been asked. If You are in any doubt as to whether a fact is materia You shoud discose it to Us. If You fai to discose materia information, or give fase information, a cover provided by this insurance may be forfeited. The information contained in Your Statement of Insurance forms the basis of the contract between You and the Insurer, or any aternate Insurer to whom You may instruct Endseigh to transfer Your cover in subsequent years, and You agree to accept the contract in the Insurer's norma form. You must inform Endseigh shoud any facts contained in the Statement of Insurance or additiona information tendered ater in any way. Endseigh Insurance Services Limited is authorised and reguated by the Financia Services Authority. This can be checked on the FSA Register by visiting its website at Endseigh Insurance Services Limited. Company No: registered in Engand at Shurdington Road, Chetenham Spa, Goucestershire GL51 4UE. page 1 of :736/V /0512

2 decarations you have made You have decared that to the best of your knowedge a the information provided in connection with this proposa is correct and compete. You agree that this proposa is for insurance in the norma terms and conditions of the Insurer's poicy and sha be incorporated in and form the basis of the contract. You agree to the important conditions in reation to heath shown within your poicy wording document. You and anyone named on the poicy are: Registered with a Medica Practitioner in Your home country Traveing from and returning to Your home country page 2 of 2

3 Status Discosure About Your Insurers Inter Partner Assistance ** 10/11 Mary Street, Dubin 1, Ireand Inter Partner Assistance's a branch of Inter Partner Assistance S.A., Avenue Louise 166 bte 1, 1050 Brusses, a Begian company authorised by the Banking, Finance and Insurance Commission of Begium, registration Your rights under the FSCS are not affected by this. ** Endseigh does not have a risk transfer agreement with these insurers. See "About Your Insurers" section of Your Poicy wording for more information about this. About Our Services If you cance your winter trave insurance poicy and a associated cover sections within the 14 day cooing off period, an administration charge of wi be made in addition to a charge reating to the time you have been on cover, uness you have traveed or a caim or an incident ikey to give rise to a caim has occurred, in which case no refund wi be due. If you cance your winter trave insurance poicy and a associated cover sections after the 14 day cooing off period, a canceation fee of wi be made in addition to a charge reating to the time you have been on cover, uness you have traveed or a caim or an incident ikey to give rise to a caim has occurred, in which case no refund wi be due. If a refund is processed within 30 days of the origina payment being made we wi usuay refund the credit or debit card originay used to pay the deposit or annua premium, even if this wasn't your card. If an outstanding amount is payabe by you, uness you contact us to make aternative payment arrangements Endseigh Insurance Services Limited, Shurdington Road, Chetenham, GL51 4UE is authorised and reguated by the Financia Services Authority. Our FSA Register number is You can check this on the FSA's Register by visiting the FSA's web site or by contacting the FSA on Zurich Hodings (UK) Ltd owns 100% of our share capita. Any information we provide you with does not constitute advice or a persona recommendation and you agree to make your own choice about how to proceed. W e may ask questions to narrow down the seection of products that we wi provide information on. Based on the information you have given, we are confident that the cover shown is suitabe for your needs. The parties to a contract of insurance covering a risk situated in the United Kingdom are permitted to choose the Law appicabe to the contract. This Poicy is governed by Engish Law. Engish aw wi aso appy prior to the concusion of your contract of insurance. Your contract of insurance and a communications before and during your contract of insurance wi be provided in the Engish anguage. Shoud you require emergency medica assistance abroad or in the event of you wanting to make a ega expenses caim against your poicy, AXA Assistance wi provide the necessary service or sette the caim with you. For a other caims, Endseigh wi be acting on behaf of the insurer in negotiating and setting the caim with you. To make a caim, phone the teephone number detaied in the 'How to make a caim' section of the poicy summary and expain what has happened and when and where the incident took pace. If possibe, pease have your poicy number to hand when you ca.

4 poicy summary Winter Trave Insurance poicyhoder: STG reference no. NS This summary contains the key features of your winter trave insurance poicy. It does not contain the fu terms and conditions, which can be found in your winter trave insurance poicy. It is particuary important that you read the sections on key excusions. You must review your cover reguary and inform us of any additiona information or if any materia facts contained in the Statement of Insurance ater in any way. Canceation cover starts from the date of issue, a other cover commences as soon as you eave home on the first day of your trip and ends when you reach home on the ast day of your trip. Conditions - It is essentia that you refer to the Important conditions reating to heath section in the poicy wording as faiure to compy with these conditions may jeopardise your caim or cover. If you are traveing to Austraia and you require medica treatment you must enro with a oca Medicare office. Age Eigibiity - This poicy is not avaiabe to anyone aged 86 or over. Winter Trave Insurance insured by Inter Partner Assistance Key benefits Emergency and medica service - Medica expertise to arrange emergency medica assistance or transport home foowing an accident or iness or if you are informed of a serious iness of a cose reative at home whist on a schoo trip. Section 1, Canceation or curtaiment charges - Cover for costs against unavoidabe or necessary canceation or curtaiment of the trip before competion due to, death, bodiy injury or iness. The maximum we wi pay under this section is up to the cost of the tour operators hoiday for any irrecoverabe unused trave and accommodation costs. Section 2, Emergency medica and other expenses - Emergency medica, surgica, hospita, ambuance and nursing fees up to 5,000,000 outside your home country or up to 10,000 within the United Kingdom if the United Kingdom is your home area. Up to 1,000 for additiona trave and accommodation expenses incurred if a repacement group eader is sent out to your party foowing a vaid curtaiment caim being made under Canceation or curtaiment charges, by the officia group eader. Section 3, Hospita benefit Up to 20 for every competed 24 hours in patient hospita stay up to a maximum of 400. Section 4, Persona accident - Up to 25,000 for permanent tota disabement, 9,000 for oss of imb, 25,000 for oss of sight, 20,000 for death, subject to age - Pease refer to poicy wording for fu detais of the cover. Section 5, Baggage - Accidenta oss, theft or damage to baggage up to 1500 ( 1,000 if you are aged 16 years or younger). Up to 200 for any one artice and up to 200 for a vauabes ( 100 if you are aged 16 years or younger).- Pease refer to the poicy wording for the definition of vauabes. Accidenta oss, theft or damage to equipment accompanying the schoo group on its trip up to 750. Section 6, Persona money, group money, passport and documents - Accidenta oss, theft or damage of group money incuding foreign currency up to 72 hours prior to departure - Pease refer to poicy wording for fu detais of the cover avaiabe. Up to 500 for reasonabe additiona costs for trave and accommodation incurred whist obtaining a repacement passport or visa abroad. Section 7, Persona iabiity - Persona iabiity for any compensation you become egay iabe to pay up to 2,000,000. This poicy is extended to indemnify group eaders traveing with the group in respect of caims arising out of or in the course of their empoyment. Section 9, Group Leader Liabiity - Lega expenses and costs which the group eader becomes egay iabe to pay up to 5,000,000 Section 10, Deayed departure Deayed departure for at east 12 hours from the schedued departure time. 30 for the compete 12 hour deay and 20 for each competed 12 hours foowing, up to a maximum of 100. Up to to the cost of the tour operators hoiday for any irrecoverabe trave and other pre-paid charges if you choose to cance your trip once 12 hours has eapsed. Section 11, Missed departure Up to 800 for additiona room ony accommodation and trave expense shoud you miss your departure due to the faiure of pubic transport or an accident or breakdown of the vehice you are traveing in or strike. Section 12, Overseas ega expenses and assistance Lega expenses and costs in pursuit of civi action up to 25,000. Key excusions See your poicy : Genera excusions War risks, civi commotion, terrorism, (except under sections 2 and 3 uness caused by nucear, chemica or bioogica attack), sonic bangs, radioactive contamination W ifu, sef inficted injury, sovent, drug or acoho abuse. Unawfu actions and any subsequent ega proceedings brought against you. Trave to a country or specific area or event which the Foreign and Commonweath office or the Word Heath Organisation has advised the pubic not to trave to. See your poicy : Section 1 - What is not covered Redundancy caused by misconduct, resignation, vountary redundancy or where notification of redundancy was given prior to the appication for this poicy. Any circumstances known prior to booking the trip that coud reasonaby be expected to give rise to a caim. See your poicy : Section 2 - What is not covered Treatment or surgery which in the opinion of the medica practitioner in attendance can wait unti your return to the United Kingdom. Medication, which prior to departure is known to be required. Expenses incurred as a resut of a tropica disease where the required inocuations have not been undertaken. See your poicy: Section 3 What is not covered Expenses incurred as a resut of a tropica disease where the required inocuations have not been undertaken. See your poicy : Section 5 - What is not covered Vauabes eft unattended at any time uness in a hote safe, safety deposit box or in your ocked accommodation. Baggage contained in an unattended motor vehice between 9 p.m. and 9 a.m. or between 9 a.m. and 9 p.m. uness it is in a ocked boot or covered from view in a ocked car. Contact or cornea enses, hearing aids, denta or medica fittings, ski equipment and other items are excuded - See your poicy wording for the fu ist. Business goods, sampes or toos used in connection with your occupation.

5 Key excusions See your poicy : Section 6 - What is not covered Money or your passport eft unattended at any time uness in a hote safe, safety deposit box or in your ocked accommodation. Loss or theft of traveer's cheques where you have not compied with the issuing agents conditions. See your poicy : Section 7 - What is not covered Pursuit of any trade, business or profession, or the ownership, possession or use of any vehices, aircraft or mechanicay operated watercraft. See your poicy : Section 10 What is not covered Strike or industria action pubicy known by the date the insurance is purchased by you See your poicy : Section 11 What is not covered Strike or industria action pubicy known by the date the insurance is purchased by you. excess Your excess is the amount of each caim which you pay. Under sections 1, 2, 5, 6, 7, 9and 12 the first 30 of each and every caim per incident caimed for per section by each insured person. winter sports insured Inter Partner Assistance key benefits Up to 500 for the oss, theft of or damage to your own ski equipment or up to 250 for hired ski equipment subject to a maximum of 250 for any one artice, pair or set of artices. Up to 30 per day, up to a maximum of 300 for the cost of hiring ski equipment foowing the oss, theft of or damage to your own ski equipment. Up to 500 for the unused portion of your ski pack foowing your bodiy injury or iness and up to 150 for the unused portion of your ift pass if ost. Up to 30 per day, up to a maximum of 200 for the cost of transport organised by your tour operator to an aternative site if snow conditions resut in tota cosure of skiing faciities. If no aternative sites are avaiabe we wi pay you compensation of 30 per day up to a maximum of 200. Up to 500 for reasonabe trave and accommodation expenses if your arriva or departure to your resort is deayed by more than 12 hours due to an avaanche. How to make a compaint If you wish to make a compaint, in the first instance, pease contact the person you originay deat with. They wi aim to resove your compaint on the same day. Aternativey you can contact us: by phone by post Customer Liaison Department Endseigh Insurance Services Ltd. Shurdington Road Chetenham GL51 4UE You may at any time contact the Head of Customer Care at AXA Trave Insurance at the foowing address: Head of Customer Care, AXA Trave Insurance, The Quadrange, Station Road, Redhi, RH1 1PR, United Kingdom emai: customer.support@axa-trave-insurance.com If we cannot sette your compaint, you have the right to ask the Financia Ombudsman Service to review your case. Contacting the Ombudsman wi not affect your rights to take ega action against us. Financia Services Compensation Scheme Both Endseigh and your Insurer are covered by the Financia Services Compensation Scheme (FSCS). You may be entited to compensation from the scheme if we cannot meet our obigations. Further information about compensation scheme arrangements can be obtained from the FSCS at how to make a caim Caims can be reported 24 hours a day, via Our website: To make a caim by phone winter trave insurance +44(0) medica assistance +44(0) (24hr) For customers who are in a country that does not accept the above internationa phone number, they can ca: +44(0) (24hr) key excusions See your poicy : Section 13 & 14 - What is not covered Ski equipment contained in or stoen from an unattended motor vehice between 9 p.m. and 9 a.m. or between 9 a.m. and 9 p.m. uness it is in a ocked boot or covered from view in a ocked car. excess Your excess is the amount of each caim which you pay. e Under sections 13 and 14 the first 30 of each and every caim per incident caimed for per section by each insured person. Endseigh Insurance Services Limited is authorised and reguated by the Financia Services Authority. This can be checked on the FSA Register by visiting its website at Endseigh Insurance Services Limited. Company No: registered in Engand at Shurdington Road, Chetenham Spa, Goucestershire GL51 4UE. 0201:736/V /0512

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