FlexPlus Current Account. An at-a-glance summary of your added features

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1 FlexPlus Current Account An at-a-glance summary of your added features

2 We hope you enjoy making the most of the range of features that your Nationwide FlexPlus current account has to offer. This summary has been designed to give you an overview of the various insurance policies and other added features included with your account. It s your copy to keep so please take some time to read through in order to understand what you are and are not covered for. Where we make reference to a section (for example section A), this is the relevant section of the guide or policy document where you can find the full details. Don t forget you can find copies of all your account documentation at nationwide.co.uk/downloads 2

3 Contents: Insurance products: Summary - FlexPlus Insurance Products page 4 UK & European Breakdown and Recovery Assistance page 7 Worldwide Family Mobile Phone Insurance page 11 Extended Warranty Protection page 13 Worldwide Family Travel Insurance page 15 Other services: Identity Theft Assistance page 23 Worldwide Emergency Card Assistance page 23 General information: General Conditions & Information page 24 3

4 FlexPlus Insurance Products This is a high level summary of the cover provided under the Nationwide FlexPlus current account. For the full terms, conditions and exclusions please refer to your policy guide or policy documents. It is important that you read your guide or policy documents carefully as they contain important information that you will need to be aware of in the event of a claim. If you have existing insurance policies elsewhere that give you the same cover, you ll need to consider whether you may be paying for duplicate cover. UK & European Breakdown and Recovery Assistance underwritten by Liverpool Victoria Insurance Company Limited Key features UK and European breakdown assistance for account holder(s) in any vehicle, registered in the UK, that they are travelling in Cover for anyone driving a UK registered vehicle registered to the account holder and which is being used with his/her permission. Where the account is in joint names then up to 2 vehicles can be covered Assistance provided at home and at the roadside with national recovery and onward travel No call out limit No excess to pay Main exclusions or limitations The following are not covered: The cost of replacement parts and associated labour to repair the vehicle Vehicles not registered to the account holder(s) unless the account holder(s) are in the vehicle at the time of the breakdown and when the breakdown professional arrives Vehicles being used for hire and reward purposes (such as taxis) Vehicles that do not have a valid MOT, any applicable vehicle tax, or are not serviced or maintained in line with manufacturer guidelines Vehicles must not exceed any of the following dimensions when fully loaded: Caravans and trailers - 8 metres in length (including A-frame) Motorhomes - 8 metres in length or 7.5 tonnes in weight All other vehicles - 7 metres in length, 2.3 metres in width, 3 metres in height or 3.5 tonnes in weight (Please see Section B of the policy document, for further details on vehicle eligibility) Vehicles not registered in the UK Worldwide Family Mobile Phone Insurance provided by London General Insurance Company Limited Key features Worldwide cover for: mobile phones owned by the account holder(s) or the responsibility of Family members up to a value of 1,000 (including VAT) per claim loss or theft, damage, breakdown (including faults) unauthorised network charges (calls, data etc.) and accessories (limits apply please refer to Section A of the Policy Document) Both contract and pay-as-you-go phones are covered Upfront registration is not essential, although it may help to simplify the claims process Main exclusions or limitations A maximum of 2 claims allowed per FlexPlus current account in a 12 month period Excesses apply Loss or theft Damage or Breakdown Apple 100 Apple 50 Other 50 Other 25 Proof of ownership will be required to claim including a till receipt or documentation from your network provider Police should be notified of loss or theft as soon as possible and a reference number obtained before we can approve a claim Contact your network provider as soon as possible to bar your SIM card. If you make a successful loss or theft claim unauthorised network charges are only covered up to 24 hours after discovery of the incident up to the policy limits 4

5 Extended Warranty Protection provided by London General Insurance Company Limited Key features Additional 12 months warranty to repair household electrical goods following electrical or mechanical breakdown. If repair is not possible the item will be replaced or settlement made Warranty begins immediately upon expiry of the standard manufacturer s 12 or 24 month warranty Unlimited number of qualifying appliances covered (see Section A for more information) Qualifying appliances purchased from new up to 12 months prior to opening the FlexPlus current account are covered No excess payable Upfront registration not required Main exclusions or limitations Proof of purchase must be supplied when claiming. This could be the till receipt, or similar, that details the appliance purchased, the date and method of purchase. Purchases must be made by you by debit or credit card Accidental and malicious damage is not covered Only the appliance types defined in the qualifying list are covered (see Section A for more information) Appliances bought more than 12 months before opening the account will not be covered Appliances purchased new for less than 50 or over 2,000 are not covered A total claim limit of 10,000 every 12 months applies Summary Worldwide Family Travel Insurance provided by U K Insurance Limited Key features Worldwide cover for your family including: winter sports trips, golf, wedding and business all included as standard Cover for travel disruption caused by weather, ash clouds or airline/travel company failure Cancellation cover is included for up to 5,000 per insured person Cover for additional expenses, including food, if transport is delayed by 4 hours or more Lost or stolen baggage, costs associated with obtaining key travel documents (e.g. passports) and cash is covered (limits apply) Cover for up to 31 days per trip Main exclusions or limitations An annual premium of 50 (rate correct at 01/09/2014) is payable per account before you are eligible to claim on any booked trips for account holders and insured parties aged 75 years or over. You are not eligible to claim until you have paid this premium 50 excess per person payable on claim (see conditions) Trips must start and end in the UK. Trips in the UK must be more than 25 miles from your home and be for 2 or more nights in duration. Trips outside the UK must be no more than 31 days, unless extended journey cover has been purchased. UK trips must also be in a commercially run premises that doesn t belong to a friend or family member Reasons for claim known before opening the account or booking a trip will not be covered. This includes claims relating to medical conditions (suffered by you, your immediate family or a travelling companion unless declared and accepted by us). For example, claims for cancellation will not be covered where illness of a close relative was known before booking the trip Dependent children are not covered unless travelling with an account holder or on a trip organised by their school or a recognised organisation 5

6 It is important that you understand your ongoing eligibility to claim on the insurance policies: To ensure that you get the most out of your Nationwide FlexPlus current account it is important that you understand your ongoing eligibility to claim. Below are a series of questions to help you understand your eligibility to claim on the insurance policies. These are a guide to help you understand your / your family s eligibility, if you are in any doubt as to the eligibility of any of the insured parties you must contact the insurer on Please also consider all parties that would be covered by the insurance policies. The main exclusions, limitations and eligibility requirements will also apply to the second account holder or family members that you want covered by the policies. Insurance Eligibility: After reading the main exclusions and limitations on page 4 and 5, are you (your family where appropriate) eligible to claim on the: UK & European Breakdown and Recovery Assistance Yes No Worldwide Family Mobile Phone Insurance Yes No Extended Warranty Protection Yes No Worldwide Family Travel Insurance Yes No Existing medical conditions are excluded on the travel insurance, unless you have confirmation of cover from the insurer. If you/your family would answer Yes to any of the questions below you will need to contact the insurer immediately: Have you had any inpatient (overnight) hospital treatment in the last 12 months or are you awaiting treatment? Have you been prescribed medication (including repeat prescriptions) in the last 12 months (whether taking it or not) for anything other than colds, flu, HRT and contraception (pill)? Have you had any heart or cancer related conditions in the last 12 months? Yes No Are you aged 75 or over? Please note that an annual premium of 50 is payable per account before you are eligible to claim on any booked trips for account holders and insured parties aged 75 years or over. If you are aged 75 or over, you are not eligible to claim until you have paid the additional premium Yes Yes No No 6

7 UK & European Breakdown and Recovery Assistance Policy Summary Statement of demands and needs You have not been provided with any personal recommendations or advice as to whether the Nationwide FlexPlus current account is suitable for your needs. This product meets the demands and needs of those who wish to insure both themselves and their vehicle for breakdown cover within the UK and Europe. Please do not cancel any existing cover you have until you have read the full terms and conditions in the policy document and you are satisfied that this policy meets your needs. Breakdown Type of insurance and cover This policy will cover the Nationwide FlexPlus current account holder(s), and anyone driving a vehicle registered to them with their permission, for breakdown and recovery assistance while in the UK and those countries specified in Section D (UK & European Assist) of the policy document. Definitions We/our/us means Liverpool Victoria Insurance Company Limited and where the context dictates, Liverpool Victoria Insurance Company Limited trading as Britannia Rescue. Who provides my insurance cover? This policy is underwritten by Liverpool Victoria Insurance Company Limited trading as Britannia Rescue. Liverpool Victoria Insurance Company Limited, registered in England and Wales Number is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority register number Registered address: County Gates, Bournemouth, BH1 2NF. Tel: For the purpose of us providing this insurance cover, Nationwide will provide us with information about you, including your name and address. We will only use your information to provide the insurance cover and will not use it for anything else. The main features, benefits and exclusions of the policy are set out in the table on pages 8-9, which includes cross references to the relevant sections of the policy document. The policy document has the full details of the features, benefits and exclusions including those not listed here. 7

8 Benefits Cover limits Main exclusions and conditions Section A & Section B Introduction to Britannia Rescue Breakdown Policies & Vehicles Page 5 This policy will cover the Nationwide FlexPlus current account holder(s) for breakdown and recovery assistance at the roadside and at their home address or the normal place of garaging. Account holders are covered in any UK registered vehicle whether as a driver or a passenger It also provides cover for a UK registered vehicle registered to the account holder and being used with their permission. Where the account is in joint names 2 vehicles can be covered The following are not covered: Vehicles being used for hire and reward purposes (such as taxis) Vehicles that do not have a valid MOT, any applicable vehicle tax, or are not serviced or maintained in line with manufacturer guidelines Vehicles must not exceed any of the following dimensions when fully loaded: Caravans and trailers - 8 metres in length (including A-frame) Motorhomes - 8 metres in length or 7.5 tonnes in weight All other vehicles - 7 metres in length, 2.3 metres in width, 3 metres in height or 3.5 tonnes in weight (Please see Section B of the policy document, for further details on vehicle eligibility) Any costs associated with the breakdown of vehicles not registered to the account holder(s) unless the account holder(s) are in the vehicle at the time of the breakdown and when the breakdown professional arrives Vehicles being used in sporting events or practice for such events will not be covered Vehicles which were unroadworthy or were broken down before your policy began Vehicles not registered in the UK We reserve the right not to provide assistance and to cancel your policy if you: Fail to repair the vehicle following a call out for the same problem Knowingly use the vehicle when a fault has been identified Fail to service and maintain the vehicle in line with manufacturer guidelines Fail to tax the vehicle if required by law Fail to obtain a valid MOT certificate if required by law Fail to tax the vehicle if required by law Fail to maintain the vehicle in a roadworthy condition Use or attempt to use the service where the vehicle is not registered to the Nationwide FlexPlus current account holder(s) unless the account holder(s) are in the vehicle at the time of the breakdown and when the breakdown professional arrives 8

9 Benefits Cover limits Main exclusions and conditions Section C UK Recovery & Home Assist Page 6 Section D UK & European Assist Page 9 Help at the roadside or at your home address or the normal place of garaging if your vehicle suffers a breakdown Recovery to a local place of repair if repair is not possible at your home address or the normal place of garaging or within a 1/4 of a mile of your home address or the normal place of garaging If the breakdown occurs at least a 1/4 of a mile from your home address or the normal place of garaging and the vehicle cannot be repaired by the end of the working day, we ll provide recovery to a destination of your choice anywhere in the UK If your vehicle cannot be repaired by the end of the working day on which the breakdown occurred, and you decide not to be recovered you can choose one of the following benefits; A hire car (up to 1600cc) for 48 hours, alternative transport costs up to a maximum of 100 in total or overnight accommodation up to 60 per person to a maximum of 500 The cost of one single rail fare to enable the driver to collect the vehicle once repaired A relief driver if the only driver of the vehicle falls ill or suffers an injury that prevents them from driving All the benefits of UK Recovery & Home Assist plus: European Cover (Countries included within the geographical limits in Section D of the Policy Document) including cover before you travel, missed Motorail connections, transporting your vehicle home and loss of use of the vehicle while abroad In addition to anything included in the Service limitations and exclusions section of this policy (see Section F of the Policy Document): You must contact your motor insurer in the event of accidental damage, theft or vandalism before we agree to provide assistance The cost of all parts or supplies used or provided to repair your vehicle You are responsible for any costs where wheels or tyres need to be supplied because your vehicle is not carrying a legal or serviceable spare wheel or tyre You are responsible for any costs where specialist equipment is needed to move your vehicle into a position where we can try to repair or transport it. Any vehicle or equipment other than a standard recovery vehicle would be considered specialist. All costs relating to the use of specialist equipment must be paid directly to the agent by you at the time of recovery We will not pay any costs or accept any responsibility for services we have not arranged Any fines, penalties, tolls or unclamping charges you have to pay. We will pay any toll fees if your vehicle is being recovered at the time by one of our breakdown professionals All labour charges unless covered or agreed by us You are responsible for our costs if you employ someone else to repair or recover your vehicle after calling us for assistance Where you agree for repairs to be conducted by our breakdown professionals at their premises; we are not responsible for the quality of repairs they undertake. The agreement to conduct repairs is solely between you and the breakdown professional In addition to anything included in the Service limitations and exclusions section of this policy (see Section F of the Policy Document): We will only repatriate a vehicle to the UK if repairs cannot be completed by the date of your return journey to the UK Any hire vehicle provided is subject to the individual hire company s availability 9

10 How to obtain breakdown assistance Actions you will need to take Summary Step One: Description You should report your breakdown as soon as you can: Breakdown in the UK: Breakdown in the Republic of Ireland: Breakdown in Europe only +44 (0) (Mobile phone rates may vary) TextDirect for the hearing impaired call when in the UK +44 (0) when in the ROI or Europe Motorway SOS boxes If you break down on a motorway, try to use one of the emergency phones which you will find every mile on the hard shoulder Please do not use these numbers for any calls that are not about your breakdown cover. Do not contact our breakdown professional or any other breakdown professional directly. Step Two: To help improve customer service all calls are monitored and recorded Things you need to quote when calling for breakdown assistance: The registration number, make, model and colour of your vehicle Exact details of where you are, the phone number you re calling from and the problem with your vehicle If you have personal cover, (i.e. if you are a Nationwide FlexPlus current account holder and are asking for help for a vehicle that is not registered to you), you must give your name as shown on your account, along with your home address, and tell us the make, model and registration number of the vehicle you are travelling in when you call If you are not the Nationwide FlexPlus current account holder and you are asking for help for a vehicle that is registered to the account holder(s) and you have been given permission by the Nationwide FlexPlus current account holder(s) to use the vehicle you must give your full name, the full name of the Nationwide FlexPlus current account holder(s), along with their home address and date of birth. You should also tell us the make, model and registration number of the vehicle when you call 10

11 Worldwide Family Mobile Phone Insurance Policy Summary Statement of demands and needs You have not been provided with any personal recommendations or advice as to whether the Nationwide FlexPlus current account is suitable for your needs. This product meets the demands and needs of those who wish to insure their mobiles for loss or theft, damage, and breakdown (including faults). Please do not cancel any existing cover you have until you have read the full terms and conditions in the policy document and you are satisfied that this policy meets your needs. Type of insurance and cover This policy provides Mobile Phone Insurance to eligible Nationwide FlexPlus current account holder(s) and their Family, for so long as they are eligible for the additional optional benefits available. Family include you, your partner/spouse and all children (including legally adopted, foster and step children) of the account holder who have not reached the age of 19 or not reached the age of 22 if in full time education, living at the home address and are unmarried or have not entered into a Civil Partnership. We will cover dependent children who do not reside permanently (or for the majority of the time) with the account holder, providing the child(ren) reside permanently with the other parent for the remainder of the time. Mobile Phone Insurance Duration of this Policy This insurance is provided as a benefit of your Nationwide FlexPlus current account and the cost is included in the monthly fee you pay for this account. Definitions We/our/us means Lifestyle Services Group Limited and all our agents. Who provides my insurance cover? This policy is arranged and administered by Lifestyle Services Group Limited (Financial Services Register No ) with a single provider London General Insurance Company Limited (Financial Services Register No ). London General Insurance Company Limited is registered in England No Registered Office: Integra House, Floor 2, Vicarage Road, Egham, Surrey, TW20 9JZ. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Lifestyle Services Group Limited is registered in England, No Registered Office: Assurant House, 6-12 Victoria Street, Windsor, Berkshire, SL4 1EN. Authorised and regulated by the Financial Conduct Authority in respect of insurance mediation activity only. For the purpose of us supplying this insurance cover, Nationwide will provide us with information about you, including your name and address. We will only use your information to provide the insurance cover and will not use it for anything else. The features, benefits and exclusions of the policy are set out in the table on page 12, which includes cross references to the relevant sections of the policy document. The policy itself has full details of the features, benefits and exclusions as well as those not listed here. 11

12 Benefits Loss Page 7 Theft Page 7 Damage Page 7 Breakdown (including faults) Page 7 Unauthorised call charges (Contract) Page 8 Unauthorised call charges (Pay-As-You-Go) Page 8 Accessories Page 8 Policy limits (inc VAT) 1,000 (including VAT) per claim Excess Apple 100 Non-Apple 50 Apple 50 Non-Apple 25 Main exclusions and conditions You are covered for a maximum of two successful claims per account in any 12 month period If more than one phone is involved in one incident, each phone will be treated as a separate claim and subject to the appropriate excess Proof of ownership will be required to claim Police should be notified of loss or theft as soon as possible and a reference number obtained before we can approve a claim Contact your network provider as soon as possible to bar your SIM card, unauthorised network charges are only covered up to 24 hours after discovery of the incident up to the policy limits We cannot cover Any incident involving the mobile phone where you have not taken care of your mobile phone. Full details can be found in the full terms and conditions on what is deemed by not taking care of your mobile phone. Any claim for incidents or events not described in the What is/isn t covered section on page 7 of the policy document 2,000 per claim Claims for unauthorised charges or accessories are only covered in conjunction with a successful mobile phone claim 250 per claim No additional excess is payable when claiming for accessories and/or unauthorised charges 250 per claim What do I do if I need to make a claim? Actions you will need to take on loss, theft, breakdown or damage to a mobile phone: Action required upon discovery of the incident Call your airtime provider to bar your SIM card as soon as possible. Doing this will prevent any further unauthorised network usage (calls, data etc.). We only cover unauthorised calls up to the policy limits for the 24 hours after you notice the phone missing, so it is important you do this as soon as possible to avoid further charges. (Loss & theft claims only) Report the incident to the Police as soon as you can and obtain an incident reference number. If the police won t provide you with an incident reference number, please make a note of the station and the badge number of the officer you spoke to. (Loss & theft claims only) Tell us about a claim as soon as you can. We expect you to tell us about any claim as soon as possible and within 30 days of discovery of the loss, theft, breakdown or damage. You can log your claim online or by telephone Or UK number: International number: Lines are open Monday Friday 8am 8pm and Saturday and Sunday 9am 6pm 12

13 Extended Warranty Protection Policy Summary Statement of demands and needs You have not been provided with any personal recommendations or advice as to whether the Nationwide FlexPlus current account is suitable for your needs. This product meets the demands and needs of those who wish to extend the warranty by 12 months for qualifying appliances or for equipment purchased by you on your credit or debit card. Please see the list on page 14, for a list of eligible products. Please do not cancel any existing cover you have until you have read the full terms and conditions in the policy document and you are satisfied that this policy meets your needs. Type of insurance and cover This policy provides Extended Warranty Protection to eligible Nationwide FlexPlus Current Account Holder(s), for as long as they are eligible. Details of if you are eligible can be found in the Policy Document. Duration of this Policy This insurance is provided as a benefit of your Nationwide FlexPlus current account and the cost is included in the monthly fee you pay for this account. Extended Warranty Definitions We/our/us means Lifestyle Services Group Limited and all our agents. Who provides my insurance cover? This policy is arranged and administered by Lifestyle Services Group Limited, authorised and regulated by the Financial Conduct Authority and underwritten by London General Insurance Company Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Lifestyle Services Group Limited Registered Office: Assurant House, 6-12 Victoria Street, Windsor, Berkshire, SL4 1EN. Registered in England, No London General Insurance Company Limited (LGI) Registered Office: Integra House, Floor 2, Vicarage Road, Egham, Surrey, TW20 9JZ. Registered in England, No Nationwide will provide us with information about you, including your name and address. We will only use your information to provide the insurance cover and will not use it for anything else. The features, benefits and exclusions of the policy are set out in the table on page 14, which includes cross references to the relevant sections of the policy document. The policy itself has full details of the features, benefits and exclusions as well as those not listed here. 13

14 Benefits Policy limits Main exclusions and conditions Protection against the cost of electrical or mechanical breakdown Page 6 of the policy document Extended warranty for up to 12 months after the manufacturers standard 1 or 2 year guarantee expires Unlimited number of qualifying appliances covered Cover up to 2,000 per claim Maximum claim of up to 10,000 per 12 month period Claims must be supported with a valid proof of purchase All appliances must be purchased as new We can not cover: Appliances or equipment costing less than 50 or more than 2,000 Food spoilage costs associated with refrigeration or freezing appliances breaking down Any appliance or equipment not purchased by you on a credit or debit card in your name or purchased longer than 12 months prior to you opening your FlexPlus account Electrical or mechanical breakdown costs where they are still covered elsewhere by any manufacturer s, supplier s or repairer s guarantee Any costs you may incur to dispose of your original appliance or equipment Any theft, attempted theft, accidental or malicious damage occurring to any appliance or equipment or damage caused by fire or explosion Appliances purchased outside of the UK or Isle of Man Appliances purchased from internet auction websites Eligible products Only the following appliances and equipment are eligible for Extended Warranty Protection: Cooker hood Food blender Digital TV receiver excluding Sky Boxes Dishwasher DVD / BluRay player Free standing cooker Fridge, Freezer or Fridge-freezer Home cinema / surround sound system Vacuum cleaner Laptops / tablets Microwave oven Radio / hi-fi system TV Washing machines, Tumble dryers or Washer dryers What do I do if I need to make a claim? If you need to make a claim please call UK number: Monday to Friday, 9am 5pm You will need to supply your account details and evidence of proof of purchase when you call. 14

15 Worldwide Family Travel Insurance Policy Summary Statement of demands and needs You have not been provided with any personal recommendations or advice as to whether the Nationwide FlexPlus current account is suitable for your needs. This product meets the demands and needs of those who wish to insure their travel arrangements. Please do not cancel any existing cover you have until you have read the full terms and conditions in the policy document and you are satisfied that this policy meets your needs. Type of insurance and cover This policy provides multi-trip travel cover for trips worldwide of up to 31 days to eligible Nationwide FlexPlus current account holders and their immediate family members, for so long as they are eligible with additional optional benefits available. Immediate family member: you, your partner / spouse and dependent children who live at the same address as the account holder(s). To be covered any dependent children must not have reached the age of 19 (or 22 if in full time education) and be neither married nor in a civil partnership. Definitions We/Our/Us UK Insurance Limited and all our agents. Who provides my insurance cover? This policy is underwritten by U K Insurance Limited. Registered Office: The Wharf, Neville Street, Leeds, LS1 4AZ. Registered in England & Wales No For the purpose of us providing this insurance cover, Nationwide will provide us with information about you, including your name and address. We will only use your information to provide the insurance cover and will not use it for anything else. Worldwide Travel Insurance Important information about cover for existing and previously existing medical conditions Please carefully read the medical statements section on page 10 of the policy. The policy does not automatically cover all illnesses and injuries. If you or anyone insured on the policy have a pre-existing medical condition, you can call us at any time to tell us. We will tell you if we can cover that condition for free, if you need to pay us an extra premium or if we cannot cover the condition. We will write to you to confirm what we tell you over the phone. Where we cover or decline to cover medical conditions, we will usually apply those terms for a 12 month period and at the end of this period we will send you a letter asking you to call in again, we will talk to you about your condition(s) and assess your condition(s) annually. You must update us of any changes in medical conditions throughout the policy cover period, particularly before you book a trip and before you travel. 15

16 Your travel insurance checklist In order to travel you must be: Healthy, fit to travel and able to undertake your planned trip NOT travelling against medical advice or with the intention of obtaining medical treatment abroad Before you travel, you should ask yourself the following: Will my trip last more than 31 days? Have I purchased an age extension upgrade? Am I covered for pre-existing medical conditions? If so, you must purchase a trip extension by contacting the insurer on This is required for account holders/their spouse or partner aged 75 years or over - see Main exclusions or limitations on page 5 of this summary. You can purchase an age extension by contacting the insurer on You can contact the insurer on at any time if you want to receive cover for your medical condition. They will tell you if they can cover that condition for free, if you need to pay them an extra premium or if they cannot cover the condition The features, benefits and exclusions of the policy are set out in the table below, which includes cross references to the relevant sections of the policy document. The policy itself has full details of the features, benefits and exclusions as well as those not listed here. Benefits Policy limits Excess and conditions Section A Baggage Page 18 Sum Insured 1,500 per insured person Inner Limits Single article limit: 300 Limit for all valuables: 400 Delayed baggage after 12 hours: 250 Consumable items limit: per insured person Conditions You must obtain a Property Irregularity Report from the carriers within 3 days of the incident or Report any loss to the Police within 24 hours of its discovery and obtain a copy of the Police report Take all steps to recover property which is lost or stolen In addition to anything mentioned in the General we will not pay for loss, damage, theft or destruction of: Valuables left in luggage whilst in transit and outside the control of the insured person Valuables left in your locked personal accommodation where a safe or safety deposit box is available and you have not put your items in it and locked it Sports equipment and accessories whilst in use 16

17 Benefits Policy limits Excess Main exclusions and conditions Section B Personal accident Page 19 Section C Cancellation Page 20 and Section D Curtailment Page 23 Item 1 Death where you are aged: a) Under 18 years: 2,000 b) 18 years and over: 25,000 Item 2 Loss of limb: 25,000 Item 3 Loss of sight: 25,000 Item 4 Total permanent disablement: 25,000 Sum Insured 5,000 Nil 50 per insured person In addition to anything in the General, we will not pay any claim which arises from or is in connection with: Any sickness or disease, naturally occurring or degenerative condition A claim under more than 1 item of this section Claims which arise from a pre-existing medical condition, unless declared and accepted by us in writing Your participation in a hazardous activity, unless the hazardous activity upgrade has been purchased Conditions In addition to anything mentioned in the General Conditions, we will only pay cancellation or curtailment claims; For travel and accommodation expenses, which you have pre-paid or contracted to pay, at the time you realise a claim may be made Claims that are a result of an accident, illness, when a medical practitioner confirms in writing that cancellation or curtailment is medically necessary Due to injury or illness of your cat or dog when it requires life saving treatment within seven days prior to the start date of your journey We will only consider the unused expenses of a person who is insured under this policy. For example, if you are travelling with someone who is not insured under this policy, we only pay your proportion of costs not theirs, regardless of who has paid for the booking In addition to anything mentioned in the General, we will not pay for claims which are a result of: Your disinclination to travel or continue your journey A pre-existing medical condition, unless declared and accepted by us Failure of the tour operator or any provider of transport or accommodation to fulfil the journey booking. Except where covered by Part C An anticipated event A medical condition of a close relative, travelling companion or business associate (whether they are travelling or not) who has been a hospital inpatient in the past 12 months or been put on a waiting list for hospital treatment The transport operator or their agents refusing to transport you or a member of your immediate family, or a travelling companion, because they consider that you or they are not fit to travel 17

18 Benefits Policy limits Excess Main exclusions and conditions Section E Medical and emergency costs whilst you are on your journey Page 25 Section F Personal liability Page 28 Section G Personal money Page 29 Sum Insured 10 million Inner Limits towards funeral costs abroad; 2,500 towards someone coming out to you on advice of our medical adviser; 2,000 Sum Insured 2 million Sum Insured 17 years and over years and under 100 Inner limits cash, notes and coins (including travellers cheques and pre-paid traveller s cards): 250 Other items in your wallet or purse: per insured person outpatient claims only 50 for claims for loss or damage to property only 50 per insured person Conditions In addition to anything mentioned in the General Conditions, payment of claims is conditional upon you: Accepting our decisions concerning the most suitable, practical and reasonable solution to any medical emergency Contacting the assistance service as soon as possible after an incident arises to obtain authorisation for treatment or return to the UK In addition to anything mentioned in the General, we will not pay: Claims which arise from a pre-existing medical condition, unless declared and accepted by us An anticipated event Any treatment or help where, given your physical or mental condition, you should not have travelled or it would have been reasonable for you to have consulted your medical practitioner, prior to you booking or taking the trip, about whether or not it was appropriate for you to travel For any claims due to your participation in hazardous activities unless declared to us and accepted by us in writing In addition to anything in the General, we will not pay any claim which arises from: Death or bodily injury to your employees, family or travelling companion/s Ownership, possession or use of any animal, firearms, mechanically propelled vehicles, vessels (other than manually propelled water craft) or aircraft of any description Conditions In addition to anything mentioned in the General Conditions, in order for your claim to be considered you must : Report any loss to the police within 24 hours of its discovery and obtain a police report from them Take all steps to recover property which is lost or stolen In addition to anything mentioned in the General, we will not pay for loss, damage, theft or destruction of personal money: Left in luggage whilst in transit and outside the control of the insured person Left in your locked personal accommodation where a safe or safety deposit box is available and you have not put your personal money in it and locked it Left in any motor vehicle 18

19 Benefits Policy limits Excess Main exclusions and conditions Section H Travel delay and abandonment Page 30 Sum Insured 1,000 Travel Delay 5,000 Abandonment 50 per insured person Exclusion In addition to anything mentioned in the General, we will not pay for claims which are a result of: A strike or any form of industrial action which had been announced or commenced before you purchased the travel tickets, obtained confirmation of booking or before you departed from your home Section I Missed connections Page 31 Sum Insured 1,000 per insured person Nil Exclusion In addition to anything mentioned in the General, we will not pay for claims which are a result of: A strike or any form of industrial action which had been announced or commenced before you purchased the travel tickets, obtained confirmation of booking or before you departed from your home address Section J Missed departure Page 31 Sum Insured 1,000 per insured person Nil In addition to anything mentioned in the General, we will not pay for claims which are a result of: A strike or any form of industrial action which had been announced or commenced before you purchased the travel tickets, obtained confirmation of booking or before you departed from your home address Missed departure claims due to road traffic congestion or road closures where you have not left reasonable time to reach your departure point on time or are not travelling by scheduled public transport Section K Emergency passport/ driving licence costs Page 32 Sum Insured 500 Nil Conditions In addition to anything mentioned in the General Conditions, in order for your claim to be considered you must: Report the incident to the police in the country where the loss occurred within 24 hours and obtain a copy of the police report In addition to anything mentioned in the General, we will not pay for claims which are a result of: Any destruction, loss or theft which occurred prior to the start date of your journey abroad, except where such loss is as a result of burglary and has been reported to the police Any costs incurred in replacing the passport or driving licence Section L Hospital benefit Page 33 Sum Insured 25 per day, maximum 1,000 Nil Exclusion In addition to anything mentioned in the General, we will not pay any claim: Under this section, when we have not provided cover under section E Medical and emergency costs whilst you are on your journey 19

20 Benefits Policy limits Excess Main exclusions and conditions Section M Legal costs Page 33 Section R Winter sports Page 36 Section S Business cover Page 38 Sum Insured 50,000 in total Up to 250 in total for first consultation Sum Insured Ski Pack 35 per day / 525 max per insured person Ski-equipment 35 per day / 525 max per insured person for replacements Piste closure 35 per day / 525 max Avalanche closure 200 Delayed ski equipment 35 per day / 525 to hire replacements Baggage 1,500 per insured person (Single article limit 1,000) Emergency replacement items 250 Hiring replacements 500 Business colleague 2,000 Accommodation and travel expenses 1,500 Nil 50 per insured person for lost skiequipment only 50 per insured person for Baggage claims only Conditions If we accept your claim we, or a solicitor we choose, will try to settle the matter without going to court We can refuse to pay further legal costs if it is no longer more likely than not that you will be successful with your claim You must send us full details of your claim in writing as soon as possible and in any event no later than 180 days after the date you knew about or should have known about the incident giving rise to the claim You are not covered for: Illness or injury which develops gradually or is not caused by a specific or sudden accident Legal costs that relate to a period before we have accepted your claim in writing Conditions Report the loss or theft to the Police authorities in the country where the incident occurred within 24 hours of discovery and obtain a copy of the police report Take all reasonable steps to recover ski-equipment that is lost or stolen Ski equipment more than 5 years old Following your deliberate, wilful or malicious damage or carelessness or neglect Caused by wear and tear, loss of value, moth, vermin, atmospheric or climatic conditions, gradually operating causes or by any cleaning, repairing or restoring process Conditions Report any loss to the police within 24 hours of its discovery Take all steps to recover property which is lost or stolen Items that are left in any motor vehicle Items which are delayed, detained, seized or confiscated by Customs or other officials 20

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