Keyfacts UK Policy Summary 2012

This Policy Summary is to help you understand the insurance that your Insurance Policy provides. It details the key features, benefits, limitations, and exclusions, but you still need to read the Insurance Policy for a full description of the terms of the insurance, including the policy definitions, together with the Certificate of Insurance, and any endorsements, applying to your policy. The levels of cover and excesses which apply to your insurance are detailed in the Schedule of Cover. This Policy Summary does not form part of the Insurance Policy.

INSURER: This insurance is underwritten by Optimum Underwriting Limited, as Underwriting Agents for the insurers Groupama Insurance Company Limited.

PURPOSE OF THIS INSURANCE: this is a travel insurance policy that, subject to the terms, conditions and exclusions contained in the Policy Wording, will provide financial protection and emergency assistance for certain specific situations you may encounter whilst travelling.

SCHEDULES OF COVER: The policy is divided into sections for the various aspects of cover provided. Each section has a limit on the amount that we pay in the event of a claim. Some sections include other specific limits. Some sections also have an Excess as detailed below, which means that your will have to bear this amount of any claim. These are summarised in the two Schedules of Cover: (1) FOR LONG STAY INSURANCE, and (2) FOR ANNUAL MULTI-TRIP & SHORT SINGLE TRIP INSURANCES.

SCHEDULE OF COVER FOR LONG STAY INSURANCE

Sections (L), (M), (N), (0) and (U) are subject to availability for cover selected, and payment of the appropriate additional premium when applicable.
Schedule of Cover Limits apply: per Person, per Claim.


	Long Stay Backpacker Levels of Cover	SUPER	STANDARD		POLICY
	Policy Sections	Limits	Limits	Excess	References

(A) MEDICAL EMERGENCY & REPATRIATION		3million	2million	100	15.
	(a) Unauthorised costs	500	500
	(b) Emergency dental	200	200
	(c) Burial abroad	1,500	1,500
	(d) Additional support	1,000	1,000
(B) HOSPITAL BENEFIT		500	-	nil	16.
	Each 24 hours	25	-	nil	16.
(C) PERSONAL ACCIDENT		15,000	10,000	nil	17.
	Death	10,000	5,000	nil	17.
(D) CURTAILMENT		3,000	1,000	100	18.
(E) TRAVEL DELAY		150	-		19.
	(a) Each 12 hours	30	-	nil	19.
(F) BAGGAGE DELAY (cost of necessities)		100	-	nil	20.
(G) MISSED DEPARTURE		500	500	100	21.
(H) HIJACK		500	500	nil	22.
	Each 24 hours	50	50	nil	22.
(I) LEGAL EXPENSES		25,000	25,000	100	23.
(J) PERSONAL LIABILITY		2million	2million	100	24.
(K) CATASTROPHE		500	500	100	25.
(L) LOSS OF PASSPORT		200	200	100	26.
(M) PERSONAL POSSESSIONS in total		1,500	1,000	100	27.
	(a) Single item limit	200	150
	(b) Valuables	300	250
	(c) Sports equipment	250	250
	(d) Items no receipt in total	250	250
	(e) Item no receipt per item	50	50
(N) MONEY & TRAVEL TICKETS		300	200	100	28.
	(a) Cash	200	150	100	28.
(O) CANCELLATION		3,000	1,000	100	29.
	(a) Loss of Deposit	1,000	500	100	29.
(S) ACTIVITIES - Cover under Section(A)		3million	2million		33 and 34.
	(1) Holiday			100
	(2) Work			100
	(4) Medium Risk			300
	(5) High Risk including Winter Sports			500
	(6) Parachuting, Skydiving, Paragliding, Hang-gliding cover under Section(U)
(T) SEARCH & RESCUE		1,500	1,500	100	35.
(U) PARACHUTING, SKYDIVING, PARAGLIDING, HANG-GLIDING					36.
	excluding participating whilst in USA
	(1) Medical Emergency & Repatriation	3million	2million	500
	(2) Search & Rescue	5,000	5,000	500

SCHEDULE OF COVER FOR ANNUAL MULTI-TRIP & SHORT SINGLE TRIP INSURANCES

Sections (L), (M), (N), (0), (P), (Q). (R) and (U) are subject to availability for cover selected, and payment of the appropriate additional premium when applicable. For Annual Insurance the Schedule of Cover Limits apply: per Person, per Trip. For Short Trip Insurance the Schedule of Cover Limits apply: per Person, per Claim.


	Levels of Cover	5 STAR	4 STAR		POLICY
	Policy Sections	Limits	Limits	Excess	References

(A) MEDICAL EMERGENCY & REPATRIATION		5million	5million	100	15.
	(a) Unauthorised costs	500	500
	(b) Emergency dental	200	200
	(c) Burial abroad	1,500	1,500
	(d) Additional support	1,000	1,000
(B) HOSPITAL BENEFIT		1,000	500	nil	16.
	Each 24 hours	50	25	nil	16.
(C) PERSONAL ACCIDENT		20,000	15,000	nil	17.
	Death	10,000	10,000	nil	17.
(D) CURTAILMENT		5,000	3,000	100	18.
(E) TRAVEL DELAY		150	150		19.
	(a) Each 12 hours	30	30	nil
	(b) Abandonment (due to delay)	5,000	3,000	100
(F) BAGGAGE DELAY (cost of necessities)		100	100	nil	20.
(G) MISSED DEPARTURE		1,000	500	100	21.
(H) HIJACK		500	500	nil	22.
	Each 24 hours	50	50	nil	22.
(I) LEGAL EXPENSES		25,000	25,000	100	23.
(J) PERSONAL LIABILITY		2million	2million	100	24.
(K) CATASTROPHE		800	500	100	25.
(L) LOSS OF PASSPORT		300	200	100	26.
(M) PERSONAL POSSESSIONS in total		2,000	1,500	100	27.
	(a) Single item limit	250	200
	(b) Valuables	300	300
	(c) Sports equipment	250	250
	(d) Items no receipt in total	250	250
	(e) Item no receipt per item	50	50
(N) MONEY & TRAVEL TICKETS		500	300	100	28.
	(a) Cash	250	200	100	28.
(O) CANCELLATION		5,000	3,000	100	29.
	(a) Loss of Deposit	2,000	1,000	100	29.
(P) WINTER SPORTS					30.
	(1) Ski Equipment	800	500	100
	Single item	200	150	100
	(2) Ski Equipment Hire	300	200	nil
	(3) Ski Pack	300	200
	(4) Piste Closure	300	200
	(2), (3) and (4) Each day	20	20
(Q) GOLF COVER					31.
	(1) Golf Equipment	1,000	1,000	100
	Single item	200	150	100
	(2) Golf Equipment Hire	300	200	nil
	(3) Green Fees	300	200
	(2) and (3) Each day	20	20
(R) BUSINESS COVER					32.
	(1) Business Equipment	1,200	1,000	100
	Single item	600	500
	(2) Resumption of your Trip	1,200	1,000
	(3) Replacement Personnel	1,200	1,000
(S) ACTIVITIES - Cover under Section(A)		5million	5million		33 and 34.
	(1) Holiday			100
	(2) Work			100
	(3) Normal Winter Sports			100
	(4) Medium Risk			300
	(5) High Risk			500
	(6) Parachuting, Skydiving, Paragliding, Hang-gliding cover under Section(U)
(T) SEARCH & RESCUE		1,500	1,500	100	35.
(U) PARACHUTING, SKYDIVING, PARAGLIDING, HANG-GLIDING					36.
	excluding participating whilst in USA
	(1) Medical Emergency & Repatriation	5million	5million	500
	(2) Search & Rescue	5,000	5,000	500


PRINCIPAL EXCLUSIONS AND LIMITATIONS:		Policy References
	Pre-existing Medical Conditions: Restrictions in cover apply if a claim is made relating to a medical condition, illness, or injury, of the Insured Person(s), or any person who your travel depends on, which you or they knew about before you bought this insurance, or which develops before the travel to which this insurance applies begins. It is very important that you read the Pre-existing Medical Conditions Policy Wording, as you may not be covered for such medical conditions. If you have any queries regarding cover, you should contact Etravelinsure Limited.	5.
	Emergency Medical Treatment: Medical and repatriation cover is only for emergency medical treatment resulting from an injury sustained in an accident or an illness which first shows itself during a trip, which is confirmed by a Qualified Medical Practitioner as being medically necessary for the relief of pain and suffering, which cannot be reasonably postponed until your return home, and is authorised (when above the Unauthorised Cost limit) in advance by our Emergency Service.	14. and 15.
	Activities: You are only covered to participate in the activities described in the Activities section of the policy and included in the Schedule of Activities. General conditions apply for ‘safe and normal’ participation. Specific conditions and restrictions on cover apply in certain cases, and increases in the medical excess apply to activities in Medium and High Risk categories. Hazardous sports and activities that are not included in the Schedule of Activities are not covered, unless declared to and accepted by us. Parachuting, Skydiving, Paragliding and Hang-gliding are covered under Section (U), at additional premium, with no cover for participating whilst in USA.	33. and 34.
	Personal Possessions and Money & Travel Tickets: Cover is provided for loss, damage, or theft of your Personal Possessions, including Personal Money and Travel Tickets. We may, however, take off an amount for wear and tear when settling a claim, depending on the age and condition of the property. Cover is only provided up to maximum amounts for individual items, valuable items, and cash within the overall limits. Certain items such as spectacles and mobile phones are not covered.	27. and 28.
	Excesses: Certain sections of cover are subject to an excess applying to each claim. An excess means that you are responsible for the first sum of the excess amount when you claim. The standard excess is £100 per person, per incident. The standard excess can be varied when taking out insurance, within the range of nil to £500, at additional or reduced cost. Excesses that are not £100 in the Schedule of Cover are fixed, and are not subject to any variation. The amount of the excess that applies to each section is detailed in the Schedule of Cover on your Certificate of Insurance.	8.
	Period of Insurance: All trips must start from and end in the United Kingdom, Isle of Man or Channel Isles. The policy must cover the whole duration of the trip. The duration of your trip, or for annual insurance the annual period, is stated on your Certificate of Insurance. For annual insurance any one trip must not exceed the maximum number of days allowed (31 or 90), and cover for cancellation under Section (0) is from the start date of the annual period or the time the first trip booked, whichever occurs later and ends on expiry of the policy.	10.
	Material Facts disclosure: You must disclose all Material Facts that could influence us in accepting your insurance, and further inform us of any changes in circumstances that occur up to the time you depart.	4.
	Curtailment: Cover includes additional expenses necessary to return home, but only when expenses are authorised in advance by our Emergency Service. There is no further cover for the resumption of the trip after returning home.	18.


	IF YOU CHANGE YOUR MIND: If, having examined your Policy Wording, you decide the insurance does not meet your needs, you can cancel the insurance within 14 days from the date you receive the Policy Wording booklet or before you travel (whichever is the earlier), and we will refund the premium and cancel the Certificate of Insurance as if it had never been issued. If you wish to cancel your insurance you should email or write to Etravelinsure Limited.	6.
	YOUR RIGHT TO COMPLAIN : Whilst every effort is made to maintain the highest service standards, should there be an occasion when the service you receive falls below the standard you expect, then: Contact Etravelinsure Limited, if about their service, by phone: 0333 2400 631, or in writing: Managing Director, Etravelinsure Limited, 77 Mansell Street, London E1 8AF., If you are dissatisfied with the way your complaint has been handled, or the way a claim has been dealt with, please write to: The Director, Optimum Underwriting Limited, 19 Bartlett Street, Croydon, Surrey CR2 6ET, If you remain dissatisfied, please write to: The Chief Executive, Groupama Insurance Company Limited, 6th Floor, One America Square, 17 Crosswall, London EC3N 2LB, If you still remain dissatisfied after following the procedure you have the right to refer your complaint for review by the Insurance Ombudsman, by writing to: Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR. The Policy Wording has full details on the Complaints Procedure.	37.
	MAKING A CLAIM: If you wish to make a claim, please telephone the appropriate number below:- Emergency medical or travel expenses whilst abroad - Telephone FirstAssist Emergency Service +44 (0)20 8763 3334 Fax +44 (0)20 8763 3035 Travel Legal Expenses Claims - Lexceteras Limited, Minerva House, Holbeach Technology Park, Park Road, Holbeach, Lincolnshire PE12 7PT. Telephone: 0843208 2031 Fax: 01406 493083 All other Claims report to - Preferential Administration Services, 6th Floor, Central House, Clifftown Road, Southend-on-Sea, Essex SS1 1AB. Telephone: 0843208 1913. Fax: 0843208 2040. email: pas@preferential.co.uk Office hours: Monday to Friday 0900 to 1700 hours. Please quote reference E800.	Page 1.
	THE FINANCIAL SERVICES COMPENSATION SCHEME (FSCS): Groupama Insurance Company Limited are covered by the Financial Services Compensation Scheme (FSCS). This means that you may be entitled to compensation from the scheme if we cannot meet our obligation. This depends on the type of business and the circumstances of the claim. Further information about compensation is available from the FSCS at www.fscs.org.uk or telephone 020 7741 4100.
	LAW APPLICABLE: Unless otherwise agreed, the policy is governed by English Law.	6.