KEELE UNIVERSITY STAFF TRAVEL INSURANCE

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1 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 are ACE Europe. Cover is arranged through the University's Insurance Brokers, Lockton Companies International of Higham House, New Bridge Street West, Newcastle upon Tyne, NE1 6AN. Tel. No Cover applies from the time of leaving home until return home. The master policy document will be held by the University and will be made available for inspection on request. The policy contains the full details of the cover which is summarised in the following text. Claims Procedures 1. All claims to be notified to Alan Slater, Finance Dept. University of Keele: Tel. No: Fax No: a.i.slater@fin.keele.ac.uk 2. If the Insured Person sustains any injury or illness abroad and has to be hospitalised, or has to seek medical/hospital treatment, contact must be made with Businessclass Assistance on the following number: Telephone: 44(0) You need to quote: Insured: Policy No: Keele University UKBBBO Contact must be made with Businessclass Assistance regarding medical treatment and direct claims must not be made unless advised to do so. If medical repatriation is necessary it must be arranged through Businessclass Assistance. Costs incurred otherwise without the authority of Businessclass Assistance will not be met by Insurers

2 KEELE UNIVERSITY - TRAVEL INSURANCE The policy is arranged with ACE Europe and the cover provided is as follows: Medical and Emergency Travel Expenses Cover: If during an Insured Journey or stay abroad the Insured Person falls ill or has an accident the Insurers will pay 1. Medical and Emergency Travel Expenses. 2. Medical expenses are the cost of medical, surgical or other treatments or appliances given or prescribed by a medical practitioner and all hospital nursing home or ambulance charges. Dental and optical expenses are included only if necessitated by accident or incurred for emergency treatment. 3. Emergency Travel Expenses are the additional cost of extra travel (including repatriation to UK) or residence abroad and accommodation of the insured person and a colleague, relative or friend who has to travel with the Insured Person. 4. Cost or repatriating remains to UK or of funeral abroad. 5. Legal expenses incurred by an Insured Person in proving a claim against a Third Party who causes injury or illness. 1. Treatment in UK or in country of normal residence. 2. Expenses arising out of pregnancy or childbirth if incurred within 3 months of expected confinement except for emergency treatment. 3. Treatment arising out of use of non-prescribed drugs. 4. Treatment arising from an accident when flying other than as a passenger. 5. Treatment incurred when travelling against medical advice or for the purpose of obtaining treatment. Excesses: Nil

3 Limits: There is no limit other than legal expenses where the maximum is per Insured Person.

4 Baggage and Personal Effects Insurers will pay:- 1. Cost or repair or replacement of personal baggage if destroyed or damaged in the course of a journey. 2. Cost of emergency purchases of clothing, toilet requisites or similar if baggage lost for more than 4 hours. Limits: 10,000 (including) 2,000 for emergency purchases. 1 There is no limit per single article. Pair or set but if this exceeds 2,000 then the insured are liable for 25% of such excess amount. 2 Property being transported separately from the Insured Person 3 Loss or damage to contact lenses, or sports equipment in use 4 Breakage of fragile objects unless due to Fire, Theft or accident of conveyance 5 Wear and tear, moth, vermin, or atmospheric conditions 6 Any process of cleaning or repair 7 Confiscation by government or public authority 8 War Risks: This means any war or hostilities including civil war rebellion or insurrection. Excess: Nil Passport Indemnity Insurance If the Insured s passport is lost or destroyed the insurers will reimburse the insured for the necessary additional cost of travel and accommodation to enable the insured person to obtain a replacement. Limit: 1500 per person Exclusion: Losses not reported to the consular representative of the relevant issuing country within 48 hours of discovery.

5 Personal Money and Credit Cards Insurers will reimburse the Insured Person on an insured journey if he or she loses Personal Money or suffers a loss as a result of a credit card being lost or stolen and used subsequently by someone other than the Insured Person or a member of his or her family. Limit: 5,000 per claim Insurers will not pay unless 1 Loss reported to Police in 48 hours 2 Loss from unlocked vehicle 3 Confiscation, errors, omissions or depreciation in value 4 Insured person has complied with Credit Card Company rules 5 War Risks (see baggage section). Excess: Nil Personal Liability Insurers will pay for legal liability of on the Insured Person in his/her personal capacity where as a result of his/her actions a Third Party has been injured or his/her property damaged. Limit of Liability: 5,000,000 any one event. Includes legal costs and expenses. Liability arising out of - 1 Insureds trade or business 2 Use of caravans, vehicles, water or aircraft (other than sailing craft) 3 Damage of goods in custody or control of the Insured Person. Hijack Insurance Insurers will pay 500 per day for each day a person is hijacked up to a maximum of 25,000 per person.

6 Personal Accident Insurance If an insured person sustains accidental bodily injury during the period of cover Insurers will pay the following benefits: 1. Death 100, Loss of one or more limbs 100, Loss of sight in one or both eyes 100, Permanent total loss of speech 100, Permanent total loss of hearing in: a. both ears 100,000 b. one ear 25, Loss by permanent physical severance or permanent loss of use of a. one limb 100,000 b. one big toe 15,000 c. any other toe 5,000 d. one thumb 30,000 e. one forefinger 20,000 f. any other finger 10,000 g. hip or knee or ankle 20,000 h. shoulder, elbow or wrist 25, Permanent total disablement from usual occupation 100,000 Definitions 1. Loss of Limb shall mean a) in the case of a leg loss by permanent physical severance or total loss of use above the level of the ankle (talo-tibial joint) or permanent and total loss of use of an entire foot or leg. b) in the case of an arm loss by permanent physical severance of the four fingers at or above the metacarpal phalangeal joints (where the fingers join the palm of the hand) or permanent and total loss of use of a complete arm or hand. 2. Loss of Eyes shall mean permanent loss of sight which will be considered as having occurred

7 a) in both eyes if the Insured Persons name is added to the Register of Blind Persons on the authority of a fully qualified ophthalmic specialist b) in one eye if the degree of sight remaining after correction is 3/60 or less on the Snellen Scale (meaning seeing at 3 feet what the Insured Persons should see at 60 feet) 3. Accident means bodily injury which within 2 years is the sole cause of death or disablement detailed. Death or disablement by exposure is covered as is disappearance if it can be reasonably assumed that death has occurred. Bodily injury does not include sickness or disease or naturally occurring condition or degenerative process or gradually operating cause. There are the following exclusions. Cover does not apply while the Insured person:- 1. is flying other than as a passenger 2. commits or attempts suicide 3. is injured by War Risks. War Risks are war between France, China, UK, former USSR, USA or war in Europe involving any of these. Cancellation and Curtailment Insurance Cancellation If the insured person is forced to cancel a journey as a direct result of any cause outside their control the insurers will reimburse the insured for all deposits advance payments and other charges for transport and accommodation: a) which have been paid or will be payable and b) which become forfeit under contract and c) which cannot be recovered elsewhere Curtailment If the insured person is forced to cut short a journey and return to Britain as a direct and necessary result of any cause outside of their control the insurers will reimburse the insured: on a pro rata basis for all deposits advance payments and other charges for transport and accommodation a) which have been paid or will be payable and b) which become forfeit under contract and c) which cannot be recovered elsewhere

8 Limits: 10,000 any one person No cover applies if the journey is cancelled or curtailed as a result of: 1. disinclination to travel 2. pregnancy if cancellation or curtailment occurs within 2 months of the expected date of birth 3. childbirth 4. redundancy of the insured person 5. Insureds financial circumstances 6. the financial failure or omission or neglect of any a) provider of transport or accommodation b) agent of such provider c) agent acting for the insured person 7. regulations made by any Government or Public Authority 8. War or Strikes 9. the insured person committing or attempting to commit suicide 10. the insured person engaging in flying of any kind other than as a passenger 11. any claim for cancellation curtailment or change of itinerary a) insured person fails to check in according to the checking in conditions or travel details or itinerary supplied unless failure was itself due to strike or industrial action b) following delay if the delay is due to withdrawal from service temporarily or permanently of any ship or aircraft on the order of any Port Authority or the Civil Aviation Authority or any similar body in any country 12. any claim involving a person who is travelling or intending to travel against the advice of a Medical Practitioner or for the purpose of obtaining treatment 13. any claim for cancellation curtailment or change of itinerary which is either a direct or indirect result of the Failure of a System