This page is an extract from the policy wording document, which you can download here
We are obliged to bring to your attention some of the important features of your travel insurance policy:
INSURANCE POLICY: This contains full details of the cover provided plus the conditions and exclusions which apply to it. You must read the insurance policy carefully.
CONDITIONS, EXCLUSIONS AND WARRANTIES: There are conditions and exclusions which apply to individual sections and general conditions, exclusions and warranties which apply to the whole policy.
FRAUDULANT CLAIMS: The making of a fraudulent claim is a criminal offence.
HEALTH: The policy contains conditions relating to the health of the people travelling and others upon whose well being the trip may depend. It may be that you are required to disclose the condition of such people prior to cover being issued and you must be aware that failure to disclose such matters will prejudice Your position. In certain instances a telephone help line is available. Please do use this service to ensure you are fully protected. Please refer to page 3.
PROPERTY CLAIMS: These are settled on an indemnity basis – not on a “new for old” or replacement cost basis, unless otherwise stated in the policy.
POLICY LIMITS: Most sections of the policy have limits on the amount the Insurer will pay under that section. Some sections also include inner limits e.g.: for one item, or for valuables in total.
POLICY EXCESSES: Claims under most sections of the policy will be subject to an excess. Where there is an excess, you will be responsible for paying the first part of a claim.
REASONABLE CARE: You are required to take all reasonable care to protect yourself and Your property and to act as though you are not insured.
COMPLAINTS: The insurance policy includes a complaints procedure which tells you what steps you can take if you wish to make a complaint. Please refer to page 11.
"COOLING OFF" PERIOD: The policy contains a "cooling off" period which allows you to return the policy and obtain a full refund if you have a justifiable reason to be dissatisfied with the cover provided. Please refer to page 3.
HAZARDOUS HOLIDAY ACTIVITIES: The policy will not cover you when you take part in certain hazardous activities. Please refer to pages 10.
GOVERNING LAW: Your policy is governed by the law applicable to where you reside within the United Kingdom.
The policy applies to all persons named on the validation certificate who are eligible to be insured and for whom the premium has been paid. You must be resident in the United Kingdom.
This page is an extract from the policy wording document, which you can download here
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