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Travel Insurance Policy keyfacts

Keyfacts Irish Policy Summary

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.
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SCHEDULE 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.
  • Sections (L), (M), (N), (0), (P), (Q) and (R) 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 Long Stay and Short Trip Insurance the Schedule of Cover Limits apply: per Person, per Claim.
  • The Schedule of Cover also forms part of the Insurance Policy.
  • The POLICY References are cross-references to find the relevant terms and conditions in the Insurance Policy.
 
 
etravelinsure.com etravelinsure.com 5 star 4 star 3 star star Excess Excess
  Levels of Cover 5 star 4 star 3 star     POLICY
  Policy Sections Limits Limits Limits   Excess References
Euro Euro Euro
(A) MEDICAL EMERGENCY & REPATRIATION 7.5million 4.5million 3million   120 15.
  (a) Unauthorised costs 750 750 750
(b) Emergency dental 300 300 300
(c) Burial abroad 2,250 2,250 2,250
(d) Additional support 1,500 1,500 1,500
(B) HOSPITAL BENEFIT 1,500 750 -   nil 16.
  Each 24 hours 75 50 50
(C) PERSONAL ACCIDENT 30,000 22,500 7,500   nil 17.
  Death 15,000 15,000 15,000
(D) CURTAILMENT 7,500 4,500 1,500   120 18.
(E) TRAVEL DELAY 225 225 -     19.
  (a) Each 12 hours 45 45 45   nil
  (b) Abandonment (due to delay) 7,500 4,500 4,500   120
(F) BAGGAGE DELAY (cost of necessities) 150 150 -   nil 20.
(G) MISSED DEPARTURE 1,500 750 750   90 22.
(H) HIJACK 750 750 750   nil 22.
  Each 24 hours 75 75 75
(I) LEGAL EXPENSES 37,500 22,500 7,500   120 23.
(J) PERSONAL LIABILITY 3million 3million 3million   120 24.
(K) CATASTROPHE 1,200 750 750   90 25.
(L) LOSS OF PASSPORT/DRIVING LICENCE 450 300 300   60 26.
(M) PERSONAL POSSESSIONS in total 3,000 2,250 1,500   90 27.
  (a) Single item limit 375 300 300
(b) Valuables 450 450 450
(c) Sports equipment 350 350 350
(d) Items no receipt in total 375 375 375
(e) Item no receipt per item 75 75 75
(N) MONEY & TRAVEL TICKETS 750 450 300   90 28.
  (a) Cash 375 300 300
(O) CANCELLATION 7,500 4,500 1,500   120 29.
  (a) Loss of Deposit 3,000 1,500 1,500
(P) WINTER SPORTS           30.
  (1) Ski Equipment 1,200 750     90  
Single item 300 225  
  (2) Ski Equipment Hire 450 300     nil  
Each day 30 30  
(3) Ski Pack 450 300  
Each day 30 30  
(4) Piste Closure 450 300  
Each day 30 30  
(Q) GOLF COVER           31.
  (1) Golf Equipment 1,500 1,500     90  
Single item 300 225  
  (2) Golf Equipment Hire 450 300     nil  
Each day 30 30  
(3) Green Fees 450 300  
Each day 30 30  
(R) BUSINESS COVER           32.
  (1) Business Equipment 1,800 1,500     120  
Single item 900 750  
(2) Resumption of your Trip 1,800 1,500  
(3) Replacement Personnel 1,800 1,500  
(S) ACTIVITIES - Cover under Section(A) 7.5million 4.5million 3million     33. & 34.
  (1) Holiday         120
(2) Work         120  
(3) Normal Winter Sports         120  
(4) Medium Risk*         450  
(5) High Risk*         750  
* (4) and (5) not subject to Double Excess option            
(T) SEARCH & RESCUE 2,250 2,250 2,250   120 35.
PROPERTY LIMITS FOR ALL SECTIONS            
  (1) Items in total 375 375 375  
(2) Individual Item, set or pair 75 75 75  
 
 
 
Euro
 
 
    POLICY

PRINCIPAL EXCLUSIONS AND LIMITATIONS:

 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.
    		• 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 per person per incident when you claim. The amount of any excess is detailed in the Schedule of Cover.
    		• 8.
     
  • Period of Insurance: All trips must start from and end in the Republic of Ireland. 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: 0870 2244201, or in writing: Managing Director, 15 St. Helen’s Place, London EC3A 6DF.,
    • If you are dissatisfied with the way your complaint has been handled, or the way a claim has been dealt with, please write to: Managing Director, Optimum Underwriting Limited, PO Box 337, Dorking, Surrey RH4 3YN,
    • If you remain dissatisfied, please write to: The Chief Executive, Groupama Insurance Company Limited, 24-26 Minories, London EC3N 1DE,
    • 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.
    		 36.

    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: 01406 493082 Fax: 01406 493083
    • All other Claims for Ireland report to - OSG Travel Claims, Nutley Building, Merrion Centre, Nutley Lane, Dublin 4. Telephone: 01 661 9133 Fax: 01 661 5249
    		 Page 1.

    THE FINANCIAL SERVICES COMPENSATION SCHEME (FSCS): Both Optimum Underwriting Limited and Groupama Insurance Company Limited are covered by the FSCS, which means that you may be entitled to compensation from the Scheme if we are unable to meet our financial obligations. Full details are available from the FSCS.

    LAW APPLICABLE: Unless otherwise agreed, the policy is governed by English Law.

    		 6.