Saga Single Trip Travel Insurance

Transcription

1 Saga Single Trip Travel Insurance Important information for customers Important information for customers Saga Services Limited is a wholly owned subsidiary of Saga plc and is registered in England and Wales (Company No ). Registered Office: Enbrook Park, Sandgate, Folkestone, Kent CT20 3SE. Saga Services Limited is authorised and regulated by the Financial Conduct Authority (FCA register number: ). You can confirm Saga Services Limited s address and statutory status on the Financial Conduct Authority website at or by contacting the Financial Conduct Authority on Saga Travel Insurance is arranged and administered by Cigna Insurance Services (Europe) Limited, and underwritten by Cigna Europe Insurance Company S.A.-N.V. Cigna Insurance Services (Europe) Limited is registered in England and Wales (Company No ). Registered Office: Chancery House, St Nicholas Way, Sutton, Surrey SM1 1JB. Cigna Insurance Services (Europe) Limited is authorised and regulated by the Financial Conduct Authority. Cigna Europe Insurance Company S.A.-N.V., UK Branch, Chancery House, St Nicholas Way, Sutton, Surrey SM1 1JB. Registered in Belgium with limited liability (Brussels trade register no ), Avenue de Cortenbergh 52, 1000 Brussels, Belgium. Subject to the prudential suvision of the National Bank of Belgium, Boulevard de Berlaimont 14, 1000 Brussels (Belgium) and to the suvision of the Financial Services and Markets Authority (FSMA), rue du Congrès 12-14, 1000 Brussels (Belgium), in the field of consumer protection and subject to limited regulation by the Financial Conduct Authority. Details of the extent of our regulation by the Financial Conduct Authority are available on request. Making a complaint If you have a query or complaint about your Saga Travel Insurance please contact the Customer Relations Department, Saga Services Limited, Middelburg Square, Folkestone, Kent CT20 1AZ or call , fax on , or us at services.customer-relations@saga.co.uk The Financial Ombudsman Service may look into your complaint if you remain dissatisfied after we have issued a final response. You can write to them at: Financial Ombudsman Service, Exchange Tower, Harbour Exchange Square, London E14 9SR. Telephone or or complaint.info@financial-ombudsman.org.uk If you reside in the Channel Islands, you can contact the Financial Ombudsman Service at: Channel Islands Financial Ombudsman (CIFO), PO Box 114, Jersey, Channel Islands JE4 9QG. Jersey local phone: enquiries@ci-fo.org Website:

2 Saga Services Limited is covered by The Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Further information about compensation scheme arrangements is available from the FSCS website: Handling your money When collecting or returning premiums, Saga Services Limited acts as the agent of the insurer. This means that your money is protected, as any premiums you pay to us are treated by the insurer as having been paid directly to them. Fees Please note that if you amend or cancel your policy during your policy iod and have paid by credit card or cheque, we will be unable to refund any amounts of 5 or less. Similarly, if you make any changes to your policy during the policy iod, we will only request any charges from you if the amount is over 5. 2

3 Policy Summary This summary does not contain the full Terms and Conditions of Saga s travel insurance policy. Full details can be found in the Policy Booklet which is available on request by calling Saga on or by downloading a copy online at saga.co.uk/travelinsurance. It is important that you read the policy documentation carefully when you receive it. Name of the insurance undertaking The insurer of this policy is Cigna Europe Insurance Company S.A.-N.V. The Legal expenses section of this policy is underwritten by Acromas Insurance Company Limited and the claim service is managed by Arc Legal Assistance Limited. Type of insurance and cover The Saga single trip travel policy protects you from the date you arrange the policy and while on a trip in the area you have selected for the iod stated on your policy Schedule. Trips in the UK are covered under this policy where at least one night s accommodation is pre-booked or a one-night stay at the accommodation of a relative or friend who resides in the Channel Islands. Some of the covers are optional and these are clearly marked as such. If you have selected any of these options, they will be itemised on your policy Schedule. 3

4 Benefits (for trips taken outside the UK) 24 hour Worldwide Medical Assistance Service Immediate help with any emergency medical situation outside the UK Cancellation Refund of non-recoverable travel, accommodation and other pre-paid costs, should you have to cancel or cut short your trip Missed departure Additional travel and accommodation costs if you miss your departure for any reason stated within the Policy Booklet Delayed departure Compensation if your ship, aircraft or train on which you are booked to travel is delayed Abandonment Proportionate refund of unused non recoverable costs, should you have to abandon your trip Delayed baggage Benefit for temporary loss of baggage on your outward journey Lost, stolen or damaged baggage Cover for loss or damage to sonal belongings Any circumstances you were aware of prior to your trip Any travel arrangements made using Air Miles or similar schemes Claims due to strike or industrial action planned at the time you booked your trip Any costs arising from any trips taken solely in the UK Limit claim Nil 10, ( 10 loss of deposit) 1,000 Nil Claims due to strike or industrial action planned at the time you booked your trip Internal UK flights including flights to the Channel Islands, Northern Ireland or the Isle of Man You must check in at the specified time and have travelled to the airport/port/station 215 Nil As Cancellation 10, Any baggage detained by customs and other officials 600 single article limit 1,000 valuable limit Losses not reported to the police as soon as possible when discovered 250 Nil 5,

5 Benefits (for trips taken outside the UK) Medical and associated expenses Payment for expenses of medical treatment following injury or illness. Includes repatriation Hospital benefit A benefit of 25 for each 24 hour iod you are being treated as an in-patient outside of the UK Personal accident Payment for death, loss of limbs or total disablement following accidental injury Criminal injury benefit Benefit paid for injuries sustained as a result of violence or crime Substitute accommodation Additional accommodation and transport costs if you need to move to substitute accommodation during your trip Enforced stay Cover if you are unable to reach your destination, return to your accommodation or return home Loss of passport Cover for costs incurred obtaining a temporary travel mit if your passport is lost, stolen or damaged while you are abroad Personal money Loss or theft of money including cash, travellers cheques, passport, pre-paid tickets and driving licence Illness as a result of a tropical disease where you have not had the recommended inoculations Any leisure or sport activity not listed as being covered in your Policy Booklet Any costs over 500 where prior agreement regarding treatment has not been obtained from the Medical Assistance provider As Medical and Associated Expenses A reduced rate applies to those under 16 years or over 70 years of age Any claim arising directly or indirectly from acts of terrorism Any claim if your trip is booked as part of a package holiday Any costs where the transport oator has offered reasonable alternative travel arrangements Losses not reported to the police as soon as possible when discovered Reduced rate of 300 for cash Losses not reported to the police as soon as possible when discovered Limit 10,000,000 - Worldwide 5,000 - UK 1,000 Nil 30,000 Nil 30,000 Nil claim 70 5, , Nil

6 Benefits (for trips taken outside the UK) Replacement flight Additional costs if you need to replace a flight due to your scheduled airline becoming insolvent after departure Pet care Benefit for each day your cat or dog receives in-patient veterinary treatment as a result of accidental injury while you are away Hijack and mugging Cover for each day you cannot reach your destination as a result of hijack or are receiving in-patient treatment due to mugging Air rage Cover for costs incurred as a result of a delay caused by drunkenness or violent behaviour by other passengers Personal liability Cover for legal liability if you cause injury or death to third parties or damage to their proty Legal expenses Cover for legal costs incurred following your sonal injury or death during your trip Any claim if your trip is booked as part of a package holiday Any claim for scheduled flights not booked in the UK, e.g. credit card issuer Your cat or dog has not been left in the care of a relative, friend or professional carer A claim not supported by a written police report Any leisure or sport activity not listed in your Policy Booklet Your ownership or occupation of land or buildings (except occupation of temporary holiday accommodation) The insurer will only cover claims which occur during the iod of insurance and have reasonable prospects of succeeding Any legal costs that occurred before entering into this contract Any legal costs incurred before your claim has been accepted Please refer to the Legal expenses section of your Policy Booklet Limit claim 1,500 Nil 300 Nil 1,000 Nil 1,000 Nil 2,000,000 Nil or 70 50,000 Nil 6

7 Benefits (for trips taken in the UK) 24 hour Medical Assistance Service Immediate help with any emergency medical situation Cancellation Refund of non-recoverable travel, accommodation and other pre-paid costs, should you have to cancel or cut short your trip Abandonment Proportionate refund of unused non recoverable costs, should you have to abandon your trip Lost, stolen or damaged baggage Cover for loss or damage to sonal belongings Associated medical expenses Payment for expenses of medical treatment following injury or illness. Includes repatriation Personal accident Payment for death, loss of limbs or total disablement following accidental injury Criminal injury benefit Benefit paid for injuries sustained as a result of violence or crime Substitute accommodation Additional accommodation and transport costs if you need to move to substitute accommodation during your trip Any circumstances you were aware of prior to your trip Any travel arrangements made using Air Miles or similar schemes Limit claim Nil 10, ( 10 loss of deposit) As Cancellation 10, single article limit 1,000 valuable limit Losses not reported to the police as soon as possible when discovered Any leisure or sport activity not listed as being covered in your Policy Booklet Any costs over 500 where prior agreement regarding treatment has not been obtained from the Medical Assistance provider A reduced rate applies to those under 16 years or over 70 years of age Any claim arising directly or indirectly from acts of terrorism Any claim if your trip is booked as part of a package holiday 5, , ,000 Nil 30,000 Nil 5,

8 Benefits (for trips taken in the UK) Enforced stay Cover if you are unable to reach your destination, return to your accommodation or return home Personal money Loss or theft of money including cash, travellers cheques, passport, pre-paid tickets and driving licence Pet care Benefit for each day your cat or dog receives in-patient veterinary treatment as a result of accidental injury while you are away Hijack and mugging Cover for each day you cannot reach your destination as a result of hijack or are receiving in-patient treatment due to mugging Personal liability Cover for legal liability if you cause injury or death to third parties or damage to their proty Legal expenses Cover for legal costs incurred following your sonal injury or death during your trip Any costs where the transport oator has offered reasonable alternative travel arrangements Reduced rate of 300 for cash Losses not reported to the police as soon as possible when discovered Your cat or dog has not been left in the care of a relative, friend or professional carer A claim not supported by a written police report Any leisure or sport activity not listed in your Policy Booklet Your ownership or occupation of land or buildings (except occupation of temporary holiday accommodation) The insurer will only cover claims which occur during the iod of insurance and have reasonable prospects of succeeding Any legal costs that occurred before entering into this contract Any legal costs incurred before your claim has been accepted Please refer to the Legal expenses section of your Policy Booklet Limit claim 1, Nil 1,000 Nil 2,000,000 Nil or 70 50,000 Nil 8

9 Additional cover options Winter sports If you have selected this additional option, your policy Schedule will detail this. Winter sports cover benefits Winter sports equipment Loss of or damage to your own or hired ski equipment Delay due to avalanche Cover for the cost of extra travel and accommodation if an avalanche delays arrival or departure from the booked resort Piste closure Cover for transportation to another site if your booked resort is closed because of lack of snow, excessive snow or high winds Ski pack Cover for the proportionate cost of your non refundable ski pack if, due to illness or injury, you are medically certified as being unable to ski Inability to take part in winter sports activities Cover if, due to illness or injury, you cannot take part in winter sports activities Reduced limit of 550 for hired equipment Any loss or theft from a motor vehicle Equipment damage while it is in use This cover is not applicable in the UK and within Europe the cover only applies during the iod 15 December to 15 April Any circumstances you were aware of prior to your trip Any leisure or sport activity not listed in your Policy Booklet Limit claim Nil 400 Nil 350 Nil 200 Nil 9

10 Other important Significant Exclusions and Limitations of this policy Cover is excluded for any pre-existing medical conditions, unless declared to and accepted by us. Certain sections of this policy are subject to an excess, which is applied claim. See your Policy Booklet for details. Any specific exclusion or limitation shown on your quote Schedule (please refer to the General Exclusions section of your Policy Booklet). If you plan to take part in any leisure or winter sports activities, please be aware that limitations and exclusions may apply. Please refer to the Leisure and winter sports activities section in your Policy Booklet. Any claim if, at the time of buying your policy or booking a trip, whichever was the later, your close relative, close business associate, travelling companion or son with whom you were going to stay, had a medical condition for which he or she: was receiving treatment at hospital (other than where they go to hospital for check-ups for a stable condition, at regular intervals which have been arranged beforehand); was waiting for a hospital consultation, investigations or treatment (other than where they go to hospital for check-ups for a stable condition, at regular intervals which have been arranged beforehand); had been given a terminal prognosis, or been told that their condition was likely to get worse in the next 12 months. You must purchase travel insurance before you leave the UK. We do not cover any trip where you have already left the UK at the time of purchasing this insurance. Duration of cover The policy will remain in force for the iod of insurance shown on your policy Schedule. Cancellation within the first 14 days At point of purchase, if your holiday return date is within 1 month from the commencement date, there will be no refund if you choose to cancel your policy. In all other cases, you have the right to cancel your policy during a iod of 14 days either from the date of commencement, or the date on which you receive your policy documentation, whichever is later. If you wish to do so and cover (including cancellation cover) has not commenced, you will be entitled to a full refund of the premium paid. If the policy is cancelled during the 14 day cooling off iod and cover has commenced we will give you a pro-rata refund of premium based on the cover you have had. Please note that if you have made a claim and subsequently wish to cancel your policy, we will recover the monies paid to you in settlement of the claim. To exercise your right to cancel your policy, please contact us by telephone on If you do not exercise your right to cancel your policy, it will continue in force for the term of the policy and you will be required to pay the premium. For your cancellation rights outside the statutory cooling off iod, please refer to the General conditions section of the Policy Booklet. Right of cancellation After any statutory cooling off iod you may cancel the policy at any time by contacting us, but no refund of premium will be available. We (or any agent we appoint and who acts with our specific authority) may cancel this policy by sending you seven days notice to your last known address. If we cancel your policy we will refund any premium owing to you on a pro-rata basis, if you have not made a claim. We may cancel this policy with immediate effect if you do not pay the premium or we are unable to continue cover under the Medical Declaration. 10

11 Making a claim For medical emergencies call (+44) from abroad and from the UK. For all other claims call from the UK and (+44) from abroad. For Legal expenses and advice call or (+44) from abroad, 24 hours a day, 365 days a year. Making a complaint about a claim If you have a claim related complaint or you are dissatisfied with the service that Cigna Insurance Services (Europe) Limited has provided please contact: Customer Relations Office, Cigna Insurance Services (Europe) Limited, 1 Drake Circus, Plymouth, Devon PL1 1QH, call or fax If you have a query or complaint regarding the handling of a claim under the Legal expenses section of the policy please contact: Arc Legal Assistance Limited, PO Box 8921, Colchester CO4 5YD, call or customerservice@arclegal.co.uk The Financial Ombudsman may look into your complaint if you remain dissatisfied after we have reviewed it. However, if we have not provided a final response within eight weeks you can refer your complaint straight to the Financial Ombudsman Service. The Financial Ombudsman Service resolves disputes in an independent and fair way. Financial Services Compensation Scheme The insurers are covered by the Financial Services Compensation Scheme (FSCS). This provides compensation in case any of its members go out of business or into liquidation and are unable to meet any valid claims under their policies. Further information can be obtained from the Financial Services Compensation Scheme ( by contacting the FSCS at 10th Floor, Beaufort House, 15 St Botolph Street, London EC3A 7QU or by calling or CSL-TR1202 February 2016 TR/ON/PSS/A5/D15