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If anything happens that may lead to a claim being made, you must do your best to minimise its affect, and be careful to gather all the supporting evidence needed under the relevant section of the policy to prove it occurred, and to quantify its value accurately. For further details, see GENERAL CONDITIONS FOR CLAIMS taken from the policy wording below.

You should contact the appropriate Service as follows, and in doing so be prepared to provide details from your Certificate of Insurance, and confirm which section of the policy you are claiming under. You will receive instructions on how to deal with your particular circumstances, and on how to lodge your claim.

Contact the 24-Hour Emergency and Repatriation Service:
FirstAssist Group Limited
Telephone: +44 208 763 3334 Fax: +44 208 763 3035
In an emergency under section (A) MEDICAL EMERGENCY & REPATRIATION;
As soon as circumstances arise that might lead to a claim under section (D) CURTAILMENT.

Charge Care International - If you are in Spain, Greece, Cyprus, Portugal or Turkey and need out-patient medical treatment please provide a copy of your Certificate of Insurance to the doctor and your treatment will be paid by ChargeCare International in line with the policy. You will be asked to fill in a simple form to confirm the treatment. The doctor will send the form to ChargeCare International together with the balance of the medical bill after deduction of the policy excess you have paid to the doctor.



FOR UK POLICY Contact the Claims Service:
Claims International Limited
14th Floor, Leon House, 201-241 High Street, Croydon, Surrey CR9 1ER. Telephone: 020 8680 5142. Fax: 020 8760 0298. www.cilint.com. Office hours: Monday to Friday 0900 to 1700 hours.

FOR IRISH POLICY Contact the Claims Service:
OSG Travel Claims
Nutley Building, Merrion Centre, Nutley Lane, Dublin 4 Telephone: 01 661 9133 Fax: 01 661 5249 www.osgtravelclaims.ie. Office hours: Monday to Friday 0900 to 1730 hours.

As soon as circumstances arise that might lead to a claim under the following sections of the policy:
(C) PERSONAL ACCIDENT, (E) TRAVEL DELAY (abandon at Trip), (J) PERSONAL LIABILITY, (K) CATASTROPHE, or (O) CANCELLATION.

OTHERWISE, if you need to make a claim, you must notify the Claims Service at least within 28 days of returning Home. You will be sent a claim form, or you can download the appropriate form from their website. Complete the form and return it promptly with your Certificate of Insurance and the original documentary evidence required in the circumstances.

Contact the Legal Claims & Advice Service:
Minerva House, Holbeach Technology Park, Park Road, Holbeach, Lincolnshire PE12 7PT. Tel: 01406 493082, Fax: 01406 493083, email;enquiries@lexceteras.co.uk
As soon as circumstances arise that might lead to a claim under section (I) LEGAL EXPENSES

The policy, as a whole, has the following conditions that apply in circumstances that might lead to a claim, and in submitting a claim:

1. You must:
(1) not admit fault, promise compensation or offer payment to anyone, or become involved in litigation without our consent
(2) make a reasonable effort to find and recover lost or stolen items, and protect damaged items from further loss or damage
(3) not dispose of or abandon any item that is subject to a claim.
(4) cooperate fully with our Claims Service, and at your own expense provide promptly such Evidence of Loss, medical history details, and other information specifically required, as is reasonably requested.


Evidence of Loss is any of the following that you may be asked to provide as original documents:
Financial:
(a) an invoice identifying the item or service you purchased.
(b) a receipt showing how and when you paid for the item or service in question.
(c) in the absence of (b) a bank or card-providers statement or confirmation showing payment.
(d) for items within personal possessions classed as valuables, in the absence of (a) to (c), a recent professional valuation dated before the date of the loss.
(e) original travel tickets or counterfoils, travel documents and itinerary schedules.
(f) any document for refund, compensation, repayment, recovery, credit note, or transfer of value.
Reported:
(a) a loss or theft must be reported to the local Police within 24 hours of it being discovered. The resulting Police report is required, bearing a crime/incident reference, confirming the details reported.
(b) if loss, damage or theft occurs whilst you are in a hotel, in accommodation, or using Transport or other services Abroad, or if such loss occurs whilst the service had custody of your belongings; you must report it in writing to the management of the service, in addition to the local Police, as soon as possible, and at least within 24 hours of it being discovered. A written response/report is required from the management of the service confirming the circumstances you reported.
(c) loss, damage or delay in transit must be reported to the Carrier as soon as possible after you discover it. A written report is required from the Carrier (a Property Irregularity Report of an airline) acknowledging your reported losses. If yo were unable to obtain this report at the time, evidence is required that within the following 7 days you made a written request to the Carrier to obtain it.
Medical:
Written confirmation from the Qualified Medical Practitioner(s) who treated you detailing the nature of the illness or injury, and:
(a) confirming that treatments and medication prescribed were medically necessary
(b) for Cancellation or Curtailment of your Trip on medical grounds, confirming why you are or were unfit to travel.
Other: any evidence that is more specifically required or deemed necessary by our Claims Service.
(5) submit any claim as soon as possible, and no later than 28 days after your return Home, in writing using the claim form downloaded from the website, or provided by our Claims Service
(6) provide your original Certificate of Insurance when lodging a claim
(7) send immediately any writ, summons, legal document or correspondence in connection with a claim to our Claims Service, and only respond to it on receiving written advice to do so.



2. Our rights, we are entitled to:
(1) refuse payment of any claim and cancel the policy with immediate effect if any fraudulent means is used to benefit from the policy or a dishonest claim is made
(2) at our expense, and at our own discretion, take proceedings in your name to recover compensation or enforce an indemnity for our own benefit
(3) take over your rights in the defence or settlement of a claim
(4) take over your ownership of any unused travel tickets or bookings where a valid claim results in you having other travel arrangements
(5) require you to reimburse us, within 30 days of our request to you, any amount already advanced on your behalf that turns out to be paid in error
(6) pay the amount due up to the limit shown under your Schedule of Cover for any loss to fully discharge us of any further liability in that respect
(7) repatriate you to your Home Country on medical grounds when in the opinion of our Emergency Service you are fit for the journey by the means that has been arranged
(8) at our expense, require you to be examined by a doctor or suitably qualified person whom we shall appoint, and in the event of death to conduct a post-mortem examination
(9) if another insurance covers the same loss, we are entitled to contact insurers of that policy for a contribution.