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

Size: px
Start display at page:

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

Transcription

1 Royal & SunAlliance Insurance Group Foreign Unit Travel Insurance Scheme Summary of Insurance Personal Accident, Sickness, Temporary Life and Travel Insurance Policy The following provides a summary of the main policy features and benefits and any significant exclusions and limitations For full terms and conditions please read the Policy wording, a full copy of which is available upon request Important Information The Customer Service Section of this Policy Summary gives you important information on the following: - Complaints Procedure - Fair Processing Notice

2 Features and Benefits Significant Exclusions and Limitations Personal Accident, Sickness and Temporary Life Insurance Provides financial protection as a result of a) accidental bodily injury which independently of any other cause results within two years in Death or Disablement b) Sickness or Disease whilst on an Insured Journey (or within 6 months of the completion of an Insured Journey) which is solely attributable to such journey insured and which independently of any other cause results in Permanent Total Disablement c) Temporary Life Insurance providing financial protection from any cause not covered by the Personal Accident and Sickness Section of the policy which results in Death Benefits 1 Death Disablement 2 Loss of two or more Limbs or both Eyes 3 A) Loss of one Limb or Eye B) Permanent total loss of speech C) Permanent total loss of hearing i) in both ears ii) in one ear (see Special Condition 2D) 4. Permanent Total Disablement from usual occupation 5. Temporary Total Disablement from usual occupation 6. Sickness or Disease causing Permanent Total Disablement from usual occupation 7. Temporary Total Disablement from usual occupation as a result of sickness or disease Sum Insured in respect of Personal Accident and Sickness For persons aged 16 to 72 years & 6 75,000 5 & per week or 100% of contracted weekly wage whichever is the lesser up to 52 weeks Exclusions - Stunt performers or stunt arrangers whilst engaging in or practising or rehearsing for or taking part in training for the performance of any stunt unless agreed otherwise by the Company - Insured Persons engaging in air travel as a pilot or member of the crew - Insured Persons committing or attempting to commit suicide - Benefit 7 unless the Period of Disability exceeds seven consecutive days - Nuclear Chemical or Biological Terrorism Incident - War in normal country of residence Limitations - In respect of Insured Persons between 5 and 15 years of age Permanent Total Disablement shall be restricted to gainful employment of any and every kind - There is no cover for persons under 5 years of age or over 72 years of age unless specifically agreed by Insurers - Bodily injury shall not include Sickness or Disease Maximum Incident Limit 25,000,000 Subject to the following inner Limits: Aircraft Accumulation - Multi engined aircraft 10,000,000 - Single engined aircraft or helicopter 1,000,000 War while on an External Journey 10,000,000 Terrorism (other than Nuclear Chemical or Biological Cause) 10,000,000 Sum Insured in respect of Temporary Life For persons aged 16 to 72 years 75,000 For persons between the ages 5 years to 15 years Death benefit is restricted to 20,000

3 Medical and Emergency Travel Expenses and Hospitalisation Extension If an Insured Person falls ill or sustains accidental bodily injury Sum Insured Unlimited Personal Liability Indemnity in respect of legal liability for damages following accidental bodily injury to any person not employed by the Insured and /or for loss or damage to third party material property Sum Insured 5,000,000 Legal Expenses Indemnity in respect of legal expenses incurred by the Insured Person or their Personal Legal Representatives in pursuit of compensation against a third party in the event of an Insured Person sustaining injury during an Insured Journey - Medical Expenses in Britain or the Insured Person s normal country of residence (unless below 25,000 in respect of expenses arising in connection with an Insured Journey outside of Britain or the Insured Person s normal country of residence) - The Insured Person travelling against medical advice or for the purpose of obtaining treatment abroad No indemnity is provided where legal liability arises out of - the Insured Person s trade, profession or Business - ownership, possession or use by or on behalf of the Insured Person of any mechanically propelled vehicle aircraft other aerial device hovercraft or water-borne craft (other than hand-propelled or sailing craft in territorial waters) - Any claim reported more than 90 days after an event - Any claim where the prospect of success in achieving a reasonable settlement is insufficient, or the estimate of irrecoverable legal expenses is greater than the compensation being sought Sum Insured 50,000 any one claim Travel Delay Indemnity provided at a rate of 50 for each 4 hours up to a maximum of 500 in respect of any one Insured Person Hijack Kidnap and Detention Indemnity at a rate of 300 per day plus the additional cost of necessary travel and accommodation up to a maximum of 50,000 per person in the event that an Insured Person is hijacked, kidnapped or illegally detained whilst on an Insured Journey - Delay due to strike or industrial action which existed or of which advance notice was given at the time of the booking - Delay due to withdrawal from service temporarily or permanently of any means of transport on the order of the Port of Authority or Civil Aviation Authority or similar body in any country - If the Insured Person has received compensation from the airline concerned in the overbooking of seats

4 Cancellation Curtailment (including Replacement and Rearrangement) and Change of Itinerary Indemnity to the Insured for deposits, advance payments, travel and accommodation charges forfeit under contract Sum Insured 5,000 per Insured Person Personal Baggage (including Tools of Trade and Loss of Keys) and Personal Money and Credit Cards Indemnity to the Insured for loss of or damage to Personal Baggage, Tools of Trade or Personal Money (including up to 1,000 towards the purchase of emergency clothing and toiletries if baggage is delayed for 4 hours or more) Sum Insured Personal Baggage 2,500 Tools of Trade 7,500 Loss of Keys 500 Personal Money and credit cards Disinclination to travel - Redundancy - Financial failure or omission or neglect of any provider of transport or accommodation or their agent - The Insured Person travelling against medical advice - Loss of Money more than 120 hours preceding or subsequent to the completion of an Insured Journey - Any consequential loss other than following fraudulent use of a Credit Card - 10% Co-insurance clause in respect of Tools of Trade with a value in excess of 1,000 Travel Document Insurance Indemnity to the Insured for loss of or damage to passport, visa, travel tickets or other essential travel documents. The Company will reimburse the Insured for the necessary additional cost of travel and accommodation and other costs necessarily incurred to enable the Insured to obtain replacements. Sum Insured Up to 2,000 any one Insured Person General Conditions and Exclusions - The Insured must notify the Company in writing as soon as possible after the Insured is aware that an event has happened which may give rise to a claim - The Insured and the Insured Person must take all reasonable steps to minimise any loss or damage and to recover lost property - The Company may cancel any insurance provided by this policy against war or terrorism by the Intermediary giving seven days notice to the Insured at their last known address. If an Insured Journey had commenced before the expiry of such notice, then cover for that production will not be affected

5 COMPLAINTS PROCEDURE OUR COMMITMENT TO CUSTOMER SERVICE At RSA we are committed to going the extra mile for our customers. If you believe that we have not delivered the service you expected, we want to hear from you so that we can try to put things right. We take all complaints seriously and following the steps below will help us understand your concerns and give you a fair response. Step 1 Initially if you wish to make a complaint relating to your policy or a claim then please raise your concerns with your usual business contact at Aon. We aim to resolve your concerns by close of the next business day. Experience tells us that most difficulties can be sorted out within this time. Step 2 In the unlikely event that your concerns have not been resolved within this time, your complaint will be referred to our Customer Relations Team who will arrange for an investigation on behalf of our Chief Executive. Their contact details are as follows: Post: RSA Customer Relations Team P O Box 2075 Livingston EH54 0EP Our promise to you We will: Acknowledge all complaints promptly Investigate quickly and thoroughly Keep you informed of progress Do everything possible to resolve your complaint Use the information from your complaint to proactively improve our service in the future. Once we have reviewed your complaint we will issue our final decision in writing within 8 weeks of the date we received your complaint. If you are still not happy If you are still unhappy after our review, or you have not received a written offer of resolution within 8 weeks of the date we received your complaint, you may be eligible to refer your case to the Financial Ombudsman Service (FOS). The FOS is an independent body that arbitrates on complaints. They can be contacted at: Post: Financial Ombudsman Service South Quay Plaza 183 Marsh Wall London E14 9SR Telephone: (for landline users) (for mobile users)

6 Website: You have six months from the date of our final response to refer your complaints to the FOS. This does not affect your right to take legal action, however, the FOS will not adjudicate on any case where litigation has commenced. Thank you for your feedback We value your feedback and at the heart of our brand we remain dedicated to treating our customers as individuals and giving them the best possible service at all times. If we have fallen short of this promise, we apologise and aim to do everything possible to put things right. CUSTOMER SERVICE SECTION - FAIR PROCESSING NOTICE How we use your Information Please read the following carefully as it contains important information relating to the details that you have given us. You should show this notice to any other party related to this insurance. Who we are This product is underwritten by Royal & Sun Alliance Insurance plc. You are giving your information to Royal & Sun Alliance Insurance plc, which is a member of the RSA Group of companies (the Group). In this information statement, we us and our refers to the Group unless otherwise stated. How your information will be used and who we share it with Your information comprises of all the details we hold about you and your transactions and includes information obtained from third parties. If you contact us electronically, we may collect your information identifier, e.g. Internet Protocol (IP) Address or telephone number supplied by your Service Provider. We may use and share your information with other members of the Group to help us and them: Assess financial and insurance risks; Recover debt; Prevent and detect crime; Develop our services, systems and relationships with you; Understand our customers' requirements; Develop and test products and services We do not disclose your information to anyone outside the Group except: Where we have your permission; or Where we are required or permitted to do so by law; or To credit reference and fraud prevention agencies and other companies that provide a service to us, our partners or you; or Where we may transfer rights and obligations under this agreement.

7 We may transfer your information to other countries on the basis that anyone we pass it to, provides an adequate level of protection. In such cases, the Group will ensure it is kept securely and used only for the purpose for which you provided it. Details of the companies and countries involved can be provided on request. From time to time we may change the way we use your information. Where we believe you may not reasonably expect such a change we shall write to you. If you do not object, you will consent to that change. We will not keep your information for longer than is necessary. Sensitive Information Some of the information we ask you for may be sensitive personal data, as defined by the Data Protection Act 1998 (such as information about health or criminal convictions). We will not use such sensitive personal data about you or others except for the specific purpose for which you provide it and to carry out the services described in your policy documents. Please ensure that you only provide us with sensitive information about other people with their agreement. How to contact us On payment of a small fee, you are entitled to receive a copy of the information we hold about you. If you have any questions, or you would like to find out more about this notice you can write to: Data Protection Liaison Officer, Customer Relations Office, RSA, Bowling Mill, Dean Clough Industrial Estate, Halifax HX3 5WA. Sun Alliance Insurance plc(no ) Registered in England and Wales at St Mark s Court, Chart Way, Horsham, West Sussex, RH12 1XL Authorised and regulated by the Financial Services Authority

RFU - TOURS INSURANCE SPECIALLY DESIGNED INSURANCE COVER FOR ALL RFU AUTHORISED RUGBY TOURS

RFU - TOURS INSURANCE SPECIALLY DESIGNED INSURANCE COVER FOR ALL RFU AUTHORISED RUGBY TOURS RFU - TOURS INSURANCE SPECIALLY DESIGNED INSURANCE COVER FOR ALL RFU AUTHORISED RUGBY TOURS POLICY SUMMARY This policy is a short period travel insurance, arranged by Marsh and underwritten by Royal &

More information

Red Members Public Liability & Personal Accident Policy Summary

Red Members Public Liability & Personal Accident Policy Summary Red Members Public Liability & Personal Accident Policy Summary Specially arranged by South Essex Insurance Brokers. South Essex Insurance Brokers Ltd. are authorised and regulated by the Financial Conduct

More information

Employers Liability Policy specimen

Employers Liability Policy specimen Employers Liability Policy Royal & Sun Alliance Insurance plc (No. 93792). Registered in England & Wales at St. Mark's Court, Chart Way, Horsham, West Sussex, RH12 1XL. Authorised by the Prudential Regulation

More information

Photographic Alliance of Great Britain Clubs Public/Products Liability

Photographic Alliance of Great Britain Clubs Public/Products Liability Underwritten by Photographic Alliance of Great Britain Clubs Public/Products Liability Policy Summary Arranged by 2 Photographic Alliance of Great Britain Public/Products Liability Policy Summary Photographic

More information

Home Insurance. Policy Summary

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

More information

MINI FLEET. Policy Summary

MINI FLEET. Policy Summary MINI FLEET Policy Summary 2 Mini Fleet Policy Summary MINI FLEET Policy Summary Your RSA Mini Fleet Policy is an annual contract which may be renewed each year subject to your needs and our terms and conditions.

More information

Police Mutual Car insurance

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

More information

Professional Indemnity Insurance

Professional Indemnity Insurance Professional Indemnity Insurance Law Costs Draftsmen Administered by Kerry London Ltd and underwritten by Royal & Sun Alliance Insurance plc PROPOSAL Please ensure that all relevant sections of the proposal

More information

Homeworkers. Policy Summary

Homeworkers. Policy Summary Homeworkers Policy Summary 2 Homeworkers Policy Summary Homeworkers Policy Summary Your RSA Homeworkers Policy is an annual contract which may be renewed each year subject to your needs and our terms and

More information

Drive. Policy Summary

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

More information

VAN CHOICE INSURANCE POLICY SUMMARY

VAN CHOICE INSURANCE POLICY SUMMARY BUSINESS VAN CHOICE INSURANCE POLICY SUMMARY µ BUSINESS Van Choice Insurance is underwritten by Royal & Sun Alliance Insurance plc. It is an annual contract and may be renewed each year subject to the

More information

A summary of your cover. And important information

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

More information

Drive Policy Summary. You can select the cover that suits your needs, from:

Drive Policy Summary. You can select the cover that suits your needs, from: Drive Policy Summary Drive is underwritten by Royal & Sun Alliance Insurance plc. It is an annual contract and may be renewed each year subject to the terms and conditions then applicable. You can select

More information

Volvo Car Insurance DESIGNED WITH YOU IN MIND 7 DAYS FREE DRIVEAWAY WITH VOLVO CAR INSURANCE. 60958_453131A_BRO.indd 1 2/12/08 16:45:32

Volvo Car Insurance DESIGNED WITH YOU IN MIND 7 DAYS FREE DRIVEAWAY WITH VOLVO CAR INSURANCE. 60958_453131A_BRO.indd 1 2/12/08 16:45:32 Volvo Car Insurance DESIGNED WITH YOU IN MIND 7 DAYS FREE DRIVEAWAY WITH VOLVO CAR INSURANCE 60958_453131A_BRO.indd 1 2/12/08 16:45:32 60958_453131A_BRO.indd 2 2/12/08 16:45:38 7 Days Free Driveaway with

More information

Allianz Insurance plc. Business Travel. Information including Policy Summary (pages 1 6)

Allianz Insurance plc. Business Travel. Information including Policy Summary (pages 1 6) Allianz Insurance plc Business Travel Information including Policy Summary (pages 1 6) Introduction Thank you for choosing Allianz Insurance plc. We are one of the largest general insurers in the UK and

More information

Allianz Insurance plc. Embrace. Guide to cover. Group personal accident, business travel and sickness

Allianz Insurance plc. Embrace. Guide to cover. Group personal accident, business travel and sickness Allianz Insurance plc Embrace Guide to cover Group personal accident, business travel and sickness Contents Introduction 1 Group Personal Accident 2 Sickness 3 Business Travel 4 Exclusions applying to

More information

KEELE UNIVERSITY STAFF TRAVEL INSURANCE

KEELE UNIVERSITY STAFF TRAVEL INSURANCE KEELE UNIVERSITY STAFF TRAVEL INSURANCE Introduction There follows a summary of the insurance cover arranged by Keele University. The person travelling is the Insured Person. Keele is the Insured and Insurers

More information

contractors Policy Summary

contractors Policy Summary contractors Policy Summary 2 Contractors Policy Summary Contractors Policy Summary This is an annually renewable Contractors Annual Insurance underwritten by Royal & Sun Alliance Insurance plc. The information

More information

Student Product Insurance. Policy Summary

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

More information

Hertfordshire County Council Personal Accident & Travel Insurance POLICY SUMMARY

Hertfordshire County Council Personal Accident & Travel Insurance POLICY SUMMARY Hertfordshire County Council Personal Accident & Travel Insurance POLICY SUMMARY The purpose of this Policy Summary is to help you understand the insurance by setting out the significant features, benefits,

More information

School / Academy Personal Accident & Travel Insurance. Policy Summary

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

More information

MAKING MUSIC INSURANCE SCHEME Policy Summary

MAKING MUSIC INSURANCE SCHEME Policy Summary MAKING MUSIC INSURANCE SCHEME This is a policy summary only and does not contain the full terms and conditions of the policy. Full terms and conditions can be found in the policy document, a copy of which

More information

CONTENTS 1. PRIOR TO TRAVEL 2. PERSONAL ACCIDENT/TRAVEL INSURANCE 3. RESTRICTIONS TO TRAVEL FOREIGN OFFICE 4. INSURERS DETAILS AND POLICY NUMBER

CONTENTS 1. PRIOR TO TRAVEL 2. PERSONAL ACCIDENT/TRAVEL INSURANCE 3. RESTRICTIONS TO TRAVEL FOREIGN OFFICE 4. INSURERS DETAILS AND POLICY NUMBER CONTENTS 1. PRIOR TO TRAVEL 2. PERSONAL ACCIDENT/TRAVEL INSURANCE 3. RESTRICTIONS TO TRAVEL FOREIGN OFFICE 4. INSURERS DETAILS AND POLICY NUMBER 5. PERSONAL ACCIDENT 6. MEDICAL EXPENSES 7. CANCELLATION

More information

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

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

More information

Personal Accident & Travel Insurance POLICY SUMMARY

Personal Accident & Travel Insurance POLICY SUMMARY Personal Accident & Travel Insurance POLICY SUMMARY The purpose of this Policy Summary is to help you understand the insurance by setting out the significant features, benefits and limitations. You should

More information

THIS POLICY (AND THE SCHEDULE WHICH FORMS AN INTEGRAL PART OF THE POLICY) IS A LEGAL CONTRACT.

THIS POLICY (AND THE SCHEDULE WHICH FORMS AN INTEGRAL PART OF THE POLICY) IS A LEGAL CONTRACT. THIS POLICY (AND THE SCHEDULE WHICH FORMS AN INTEGRAL PART OF THE POLICY) IS A LEGAL CONTRACT. IT NEEDS TO BE EXAMINED THOROUGHLY TO ENSURE IT MEETS THE INSURED S REQUIREMENTS. IF IT DOES NOT MEET THE

More information

Leisure & Sport Public Liability Insurance for Owners of Horses & Ponies

Leisure & Sport Public Liability Insurance for Owners of Horses & Ponies Leisure & Sport Public Liability Insurance for Owners of Horses & Ponies Policy Summary Arranged by Just Equestrian specially arranged by South Essex Insurance Brokers. South Essex Insurance Brokers Ltd

More information

Buildings Insurance If you select Buildings Insurance, the following will automatically be included: Significant Exclusions or Limitations

Buildings Insurance If you select Buildings Insurance, the following will automatically be included: Significant Exclusions or Limitations clearch ice policy summary Clearchoice Home Insurance is underwritten by Royal & Sun Alliance Insurance plc. It is an annual contract and may be renewed each year subject to the terms and conditions then

More information

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

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

More information

PROPERTY DEVELOPMENT CONTINGENCY INSURANCE. Your Policy Terms and Conditions September 2013 Edition

PROPERTY DEVELOPMENT CONTINGENCY INSURANCE. Your Policy Terms and Conditions September 2013 Edition PROPERTY DEVELOPMENT CONTINGENCY INSURANCE Your Policy Terms and Conditions September 2013 Edition WELCOME TO AXA Introducing AXA One of the world s largest insurers With more than 50 million customers

More information

CAR INSURANCE POLICY SUMMARY

CAR INSURANCE POLICY SUMMARY CAR INSURANCE SUMMARY μ Car Insurance is underwritten by Royal & Sun Alliance Insurance plc. It is an annual contract and may be renewed each year subject to the terms and conditions then applicable. You

More information

Leicestershire County Council Personal Accident & Travel Insurance. Policy Summary

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

More information

Personal Accident and Business Travel

Personal Accident and Business Travel 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-0000000318 ACE European Group Limited This is

More information

Home Insurance. Your Home Emergency policy summary.

Home Insurance. Your Home Emergency policy summary. Home Insurance Your Home Emergency policy summary. Bank of Scotland Home Emergency policy summary. Bank of Scotland Home Emergency is underwritten by Royal & Sun Alliance Insurance plc. It is an annual

More information

BADMINTON ENGLAND REGISTERED COACHES INSURANCE SUMMARY

BADMINTON ENGLAND REGISTERED COACHES INSURANCE SUMMARY BADMINTON ENGLAND REGISTERED COACHES INSURANCE SUMMARY For the period 1st November 2011 to 31st October 2012 Introduction PERKINS SLADE LTD Perkins Slade Ltd is one of the largest independent insurance

More information

Choices Extra Policy Summary

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

More information

LiabiLity insurance. Policy Summary

LiabiLity insurance. Policy Summary LiabiLity insurance Policy Summary 2 Liability Insurance Policy Summary LiabiLity insurance Policy Summary this is an annually renewable Liability insurance underwritten by Royal & Sun alliance insurance

More information

Business Advantage Group Personal Accident and Business Travel Insurance

Business Advantage Group Personal Accident and Business Travel Insurance Sagicor Underwriting Limited 1 Great Tower Street London EC3R 5AA tel: 0203 003 6969 fax: 0203 003 6997 email: sul@sagicor.eu Business Advantage Group Personal Accident and Business Travel Insurance Policy

More information

LIABILITY Policy Summary

LIABILITY Policy Summary LIABILITY Policy Summary 2 Liability Policy Summary LIABILITY Policy Summary This policy is an annually renewable Liability insurance, underwritten by Royal & Sun Alliance Insurance plc. which may be renewed

More information

MEDICAL MALPRACTICE. Policy Summary

MEDICAL MALPRACTICE. Policy Summary MEDICAL MALPRACTICE Policy Summary 2 Medical Malpractice Policy Summary MEDICAL MALPRACTICE Policy Summary This policy is an annually renewable Professional Indemnity insurance, underwritten by Royal &

More information

Your Summary of Cover

Your Summary of Cover SPECIALIST INSURANCE FOR STUDENTS Your Summary of Cover Plus Top Up Covers Available To You For Additional Cost Group Scheme for University of Edinburgh Master Policy Number: EDBH2014, academic year 2014/2015

More information

Policy & Procedures:... Travel Insurance Cover Note... 5 Appendix 1: Form FT1... 3 Appendix 2: Form FT2... 7 Appendix 3: Form FT3...

Policy & Procedures:... Travel Insurance Cover Note... 5 Appendix 1: Form FT1... 3 Appendix 2: Form FT2... 7 Appendix 3: Form FT3... National Shared Services Directorate HSE Foreign & Domestic Travel Policy Document 1 1. Policy & Procedures:... Error! Bookmark not defined. 1.1 Overview... 3 1.2 Purpose... 3 1.3 Authorisation for Foreign

More information

Sky Cover Individual Injury Annual Multi Jump Policy

Sky Cover Individual Injury Annual Multi Jump Policy Sky Cover Individual Injury Annual Multi Jump Policy THIS POLICY (AND THE SCHEDULE WHICH FORMS AN INTEGRAL PART OF THE POLICY) IS A LEGAL CONTRACT. IT NEEDS TO EXAMINED THOROUGHLY TO ENSURE IT MEETS THE

More information

LIABILITY INSURANCE. Policy

LIABILITY INSURANCE. Policy LIABILITY INSURANCE Policy 2 Liability Insurance Policy Claim Notification Conditions that apply to the policy and in the event of a claim are set out in this policy wording. It is important that you comply

More information

KIT & HOME CONTENTS INSURANCE Policy Summary

KIT & HOME CONTENTS INSURANCE Policy Summary 1 Kit & Insurance Policy Summary KIT & HOME CONTENTS INSURANCE Policy Summary This Kit & Insurance is underwritten by Royal & Sun Alliance Insurance plc. It is an annual contract and may be renewed each

More information

Saga Annual Multi-trip Travel Insurance

Saga Annual Multi-trip Travel Insurance Saga Annual Multi-trip Travel Insurance Important information for customers Important information for customers Saga Services ed is a wholly owned subsidiary of Acromas Holdings ed and is registered in

More information

ProTeCTInG You and Yours

ProTeCTInG You and Yours VolVo Car InsuranCe ProTeCTInG You and Yours Free 7 DaY DrIVeaWaY CoVer, WITH VolVo Car InsuranCe VolVo Car InsuranCe ProTeCTInG You and Yours Just like your Volvo, Volvo Car Insurance has been designed

More information

Business. Policy Summary

Business. Policy Summary Business Policy Summary 2 Business Policy Summary Business Policy Summary Your RSA Business Policy is an annual contract which may be renewed each year subject to your needs and our terms and conditions.

More information

INDIVIDUAL PERSONAL ACCIDENT (AND SICKNESS) POLICY

INDIVIDUAL PERSONAL ACCIDENT (AND SICKNESS) POLICY INDIVIDUAL PERSONAL ACCIDENT (AND SICKNESS) POLICY Introduction This Policy is made up of: The Policy Schedule setting out details of this insurance the operative sections including any operative clauses

More information

your statement of insurance

your statement of insurance your statement of insurance block international student travel insurance policyholder: Lewis School Limited policy number: IL9 0084715 issued on: 1st November 2014 reason for issue: new business This Statement

More information

HealthSure Personal Accident Cover and Accidental Death Cover. Terms and Conditions

HealthSure Personal Accident Cover and Accidental Death Cover. Terms and Conditions HealthSure Personal Accident Cover and Accidental Death Cover Terms and Conditions 1 Conditions a) If compensation is payable in respect of one Insured Person under more than one form of Permanent Disability

More information

PROFESSIONAL INDEMNITY. Policy summary

PROFESSIONAL INDEMNITY. Policy summary PROFESSIONAL INDEMNITY Policy summary 2 Professional Indemnity Policy Summary Professional Indemnity Policy Summary This policy is an annually renewable Professional Indemnity insurance, underwritten by

More information

Initial Disclosure Document

Initial Disclosure Document Initial Disclosure Document The Financial Conduct Authority The Financial Conduct Authority (FCA) is an independent watchdog that regulates financial services. It requires us to give you this document.

More information

Before the Event Legal Expenses Insurance Policy Summary

Before the Event Legal Expenses Insurance Policy Summary Before the Event Legal Expenses Insurance Policy Summary PROVIDED BY AMTRUST EUROPE LIMITED This is a summary of the main features of the Before the Event Legal Expenses Insurance Policy arranged by AmTrust

More information

Home Emergency policy booklet

Home Emergency policy booklet HOME INSURANCE Home Emergency policy booklet Important document a little extra help Useful telephone numbers 0845 078 3852 Telephone Halifax Home Emergency Service within 24 hours of discovery. Please

More information

properties Policy Summary

properties Policy Summary properties Policy Summary 2 Properties Policy Summary Properties Policy Summary Your RSA Properties Policy is an annual contract which may be renewed each year subject to your needs and our terms and conditions.

More information

HOTELS & RESTAURANTS. Policy Summary

HOTELS & RESTAURANTS. Policy Summary HOTELS & RESTAURANTS Policy Summary 2 Hotels & Restaurants Policy Summary HOTELS & RESTAURANTS Policy Summary Your RSA Hotels & Restaurants Policy is an annual contract which may be renewed each year subject

More information

Accord Home Insurance

Accord Home Insurance think Accord Home Insurance Policy Summary in association with Royal and Sun Alliance Insurance plc About this summary of cover This summary provides key information only about insurers and the insurance

More information

Residential Park Home Policy Summary

Residential Park Home Policy Summary Residential Park Home Policy Summary Leisuredays Residential Park Home Insurance is underwritten by Royal & Sun Alliance Insurance plc. The Legal Expenses cover is provided by Inter Partner Assist SA,

More information

Guaranteed Life Insurance with Optional Covers. Key Facts and Policy Terms and Conditions

Guaranteed Life Insurance with Optional Covers. Key Facts and Policy Terms and Conditions Guaranteed Life Insurance with Optional Covers Key Facts and Policy Terms and Conditions Welcome to Smart Insurance Smart Insurance offers a range of life Insurance products that can help you quickly and

More information

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

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

More information

Travel Accident Policy Document Statement of demands and needs

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

More information

COMMERCIAL CRIME PROTECTION INsuRANCE Policy Summary

COMMERCIAL CRIME PROTECTION INsuRANCE Policy Summary COMMERCIAL CRIME PROTECTION INsuRANCE Policy Summary 2 Crime Insurance Policy Summary CRIME INsuRANCE Policy Summary This policy is an annually renewable Commercial Crime Protection insurance underwritten

More information

Public Liability & Personal Accident Insurance Policy

Public Liability & Personal Accident Insurance Policy Public Liability & Personal Accident Insurance Policy Arranged by: Qdos Broker & Underwriting Services Limited Underwritten by: Royal & Sun Alliance Insurance plc Royal & Sun Alliance Insurance plc (No.

More information

CERTIFICATE OF INSURANCE- MOTORIST LEGAL EXPENSES. Claims Agent PCLE Ltd, PCLE House, Invar Business Park, Invar Road, Swinton, Manchester M27 9HF.

CERTIFICATE OF INSURANCE- MOTORIST LEGAL EXPENSES. Claims Agent PCLE Ltd, PCLE House, Invar Business Park, Invar Road, Swinton, Manchester M27 9HF. CERTIFICATE OF INSURANCE- MOTORIST LEGAL EXPENSES DEFINITIONS Claims Agent PCLE Ltd, PCLE House, Invar Business Park, Invar Road, Swinton, Manchester M27 9HF. Defendant The person, company or partnership

More information

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

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

More information

POLICY DOCUMENTATION. Ensure you check the following documentation carefully.

POLICY DOCUMENTATION. Ensure you check the following documentation carefully. T 0844 902 9871 E contactus@businesschoicedirect.co.uk W www.businesschoicedirect.co.uk A Unit 21, Basepoint Enterprise Centre, Andersons Road, Southampton SO14 5FE POLICY DOCUMENTATION Ensure you check

More information

MOTOR LEGAL EXPENSES POLICY WORDING TERMS OF COVER

MOTOR LEGAL EXPENSES POLICY WORDING TERMS OF COVER Motor Legal Expenses provides:- 24/7 Legal Advice Insurance for legal costs for certain types of disputes HELPLINE SERVICES Legal Helpline MOTOR LEGAL EXPENSES Use the 24 hour advisory service for telephone

More information

Personal Accident and Business Travel (Secondees)

Personal Accident and Business Travel (Secondees) Personal Accident and Business Travel (Secondees) Policyholder University of Greenwich Period of Insurance 9 October 2013 to 8 October 2014 Policy No Lead Insurer 13-PAT-0000000628 ACE European Group Limited

More information

Policy Summary. Holiday Home

Policy Summary. Holiday Home Policy Summary Holiday Home Leisuredays Holiday Home Insurance is underwritten by Royal & Sun Alliance Insurance Plc (RSA). The Legal Expenses optional cover is arranged by LawShield UK Limited with UK

More information

Sport Recreation and Leisure Liability

Sport Recreation and Leisure Liability Underwritten by Sport Recreation and Leisure Liability Policy Summary Arranged by 2 Sport Recreation and Leisure Liability Policy Summary Sport Recreation and Leisure Liability Policy Summary The information

More information

Guaranteed Over 50s Life Insurance with optional cover

Guaranteed Over 50s Life Insurance with optional cover Guaranteed Over 50s Life Insurance with optional cover Key Facts and Policy Terms and Conditions 1 Welcome to British Seniors Insurance Agency We all want the best for our loved ones. Planning for your

More information

My Legal Expenses Cover...

My Legal Expenses Cover... My Legal Expenses Cover... Motor Legal Expenses Welcome Thank you for insuring with 1 ST CENTRAL. We are delighted to welcome you as a valued client. Please take time to read your policy and contact us

More information

Santander Personal Accident Insurance Policy Document

Santander Personal Accident Insurance Policy Document Santander Personal Accident Insurance Policy Document Contents The cover 03 Important phone number 03 Changing your mind 03 Eligibility 04 Definitions 04 What is covered 06 Standard benefits Maximum benefits

More information

Randstad Group Personal Accident Insurance Policy

Randstad Group Personal Accident Insurance Policy Randstad Group Personal Accident Insurance Policy What you need to know Welcome to Randstad s Group Personal Accident Insurance Policy The Randstad s Group Personal Accident Insurance Policy is an insurance

More information

Key Policy Information

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

More information

Your Motor Legal Protection Insurance Policy Wording

Your Motor Legal Protection Insurance Policy Wording Your Motor Legal Protection Insurance Policy Wording www.debenhamscarinsurance.co.uk Contents Your Motor Legal Protection Insurance Policy Wording... 3 General Exceptions... 10 2 Your Motor Legal Protection

More information

Your Pet Insurance Policy Summary

Your Pet Insurance Policy Summary Your Pet Insurance Policy Summary Essential, Plus and Premier John Lewis Pet Insurance is underwritten by Royal & Sun Alliance Insurance plc. It is an annual contract that provides cover for the cost of

More information

POLICY SUMMARY. Flybe Travel Insurance

POLICY SUMMARY. Flybe Travel Insurance Flybe Travel Insurance POLICY SUMMARY The purpose of this Policy Summary is to help you understand the insurance by setting out the significant features, benefits, limitations and exclusions. You still

More information

Business Insurance RICS - compliant professional indemnity section only Summary of cover

Business Insurance RICS - compliant professional indemnity section only Summary of cover Business Insurance RICS - compliant professional indemnity section only Summary of cover About this document This document is a summary of the insurance provided and does not contain the full terms and

More information

Income Protection Cover. Guide to making a claim

Income Protection Cover. Guide to making a claim Income Protection Cover Guide to making a claim Guide to making a claim Income Protection Cover What you ll find in this guide Page Understanding your Income Protection Cover 3 What do I do if I need to

More information

Universal Travel Insurance

Universal Travel Insurance Universal Travel Insurance Whether you are traveling on holiday, business or planning a short-term overseas study trip for your children, Universal Travel Insurance from BOCG Insurance provides you with

More information

PROFESSIONAL INDEMNITY FOR ARCHITECTS AND CONSULTING ENGINEERS. Policy Summary

PROFESSIONAL INDEMNITY FOR ARCHITECTS AND CONSULTING ENGINEERS. Policy Summary PROFESSIONAL INDEMNITY FOR ARCHITECTS AND CONSULTING ENGINEERS Policy Summary 2 Professional Indemnity for Architects and Consulting Engineers Policy Summary PROFESSIONAL INDEMNITY FOR ARCHITECTS AND CONSULTING

More information

Congratulations... ...and thank you for buying a Motoring First policy.

Congratulations... ...and thank you for buying a Motoring First policy. 2 Congratulations......and thank you for buying a Motoring First policy. This document explains exactly what is covered by Licence Shield, how to make a claim, important contact details and much more.

More information

Life Insurance with Optional Covers. Key Facts and Policy Terms and Conditions

Life Insurance with Optional Covers. Key Facts and Policy Terms and Conditions Life Insurance with Optional Covers Key Facts and Policy Terms and Conditions Welcome to Smart Insurance Smart Insurance offers a range of life Insurance products that can help you quickly and easily take

More information

Guaranteed Life Insurance with Optional Cover

Guaranteed Life Insurance with Optional Cover Guaranteed Life Insurance with Optional Cover Key Facts and Policy Terms and Conditions We just got it Sorted Welcome to Sorted Insurance At Sorted Insurance, we re committed to providing quality, great

More information

The information provided in this policy summary is key information which you should read.

The information provided in this policy summary is key information which you should read. Policy Summary Horse and Carriage Policy The information provided in this policy summary is key information which you should read. This insurance is underwritten by Catlin Insurance Company (UK) Ltd. and

More information

Your MortgageCare Payment Protection Guide to Insurance

Your MortgageCare Payment Protection Guide to Insurance Your MortgageCare Payment Protection Guide to Insurance Contents 3 Introduction 5 About MortgageCare Payment Protection Policy Summary 5 Who is eligible? 5 What is covered and what is not covered? 7 What

More information

Octagon Insurance Legal Expenses Policy

Octagon Insurance Legal Expenses Policy Octagon Insurance Legal Expenses Policy 1 2 This Octagon insurance policy is underwritten by Inter Partner Assistance SA and administered on their behalf by Arc Legal Assistance Limited. The following

More information

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

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

More information

www.startrescue.co.uk 01

www.startrescue.co.uk 01 INTRODUCTION This policy summary provides key information about the Uninsured Loss Recovery Policy, which you should read. For full terms and conditions of the policy please refer to the policy document

More information

VOLVO CAR INSURANCE. Your complimentary 7 Day Driveaway cover

VOLVO CAR INSURANCE. Your complimentary 7 Day Driveaway cover VOLVO CAR INSURANCE Your complimentary 7 Day Driveaway cover VOLVO CAR INSURANCE DESIGNED FOR YOU AND YOUR VOLVO You ve made a great choice in buying a Volvo. Now we are giving you the opportunity to make

More information

Personal Accident Policy Document

Personal Accident Policy Document Personal Accident Policy Document www.greeninsurancecompany.co.uk Drivers Personal Accident Insurance Policy Summary This policy summary is to help you understand the insurance by setting out the significant

More information

AA 50 Plus Life Insurance

AA 50 Plus Life Insurance Key facts of AA 50 Plus Life Insurance Including information about the funeral benefit option The Financial Services Authority is the independent financial services regulator. It requires us, Friends Life

More information

Home and Legacy Ultra Home Policy Summary

Home and Legacy Ultra Home Policy Summary Home and Legacy Ultra Home Policy Summary This is a policy summary only and does not contain the full terms and conditions of the contract. It does not form part of the contract between you and us. Full

More information

Income Protection Cover. Guide to making a claim

Income Protection Cover. Guide to making a claim Income Protection Cover Guide to making a claim Guide to making a claim Income Protection Cover What you ll find in this guide Page Understanding your Income Protection Cover 3 What do I do if I need to

More information

Commercial Vehicle Insurance Summary of Cover

Commercial Vehicle Insurance Summary of Cover Summary of Cover Please read this document carefully. This is a summary of the cover provided by the Brit. It contains references to the key features and benefits of the policy, as well as references to

More information

Asda Van Insurance. Summary of Cover. money

Asda Van Insurance. Summary of Cover. money Asda Van Insurance Summary of Cover money Contents Contents... 2 Your Motor Policy Summary... 3 Types of Cover and Sections which apply... 3 Your Motor Policy...4 Section 1 - Loss or Damage...4 Accidental

More information

ASA, SCOTTISH SWIMMING & SWIM WALES INSURANCE SUMMARY

ASA, SCOTTISH SWIMMING & SWIM WALES INSURANCE SUMMARY ASA, SCOTTISH SWIMMING & SWIM WALES INSURANCE SUMMARY 2011 ASA, SCOTTISH SWIMMING AND SWIM WALES INSURANCE SUMMARY Introduction PERKINS SLADE LTD Perkins Slade Ltd is one of the largest independent insurance

More information

Rural Insurance Farm Motor

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

More information