| Unique
Features
- Up to 30 DAYS travel allowed outside the AREA OF PURCHASE to
anywhere in the world at any time during the period of insurance, but for a
MINIMUM period of 6 MONTHS purchased. This applies to the areas of
EUROPE and AUSTRALASIA only.
- ONE return journey back to the UK for up to 28 DAYS. If you have purchased our STUDY ABROAD insurance,
you are allowed up to FOUR return journeys for up to 28 DAYS per trip.
- DISCOUNT for studying abroad is available as part of a degree course etc.,
where official confirmation must be produced and is required by Underwriters.
Copy documentation can be emailed or faxed to us within the UK on
01702 316541 or from outside the UK on 0044 1702 316541.
- HAZARDOUS ACTIVITES, including bungee jumping, white water rafting,
scuba diving, are available as per the listing on the Underwriter's policy wording.
- Cover for travellers who have already left the UK, subject
to completion of the Underwriter's Departed Document, which can be emailed to you.
- Facility to EXTEND your existing Long Stay cover while still travelling overseas,
subject to completion of the Underwriter's Extension Document, which can be emailed
to you.
- Facility to RENEW your STUDY ABROAD cover for a NUMBER OF
YEARS, provided you are returning back to the UK before the next year of
Study abroad, subject to completion of the Underwriter's Renewal document,
which can be emailed to you.
Code of
Practice
View
the Policy Wording
Under the Association of
British Insurers (ABI) General
Business Code of Practice,
the person selling the Travel
Insurance must draw your
attention to important features
of your policy including:
- The Policy Document:
you should read the document
carefully. It gives you
full details of what is
and is not covered and
the conditions of cover.
Cover will vary from policy
to policy and insurer
to insurer.
- Conditions, Exclusions
and Warranties: conditions
and exclusions will apply
to individual sections
of your policy while general
exclusions, conditions
and warranties will apply
to the whole of your policy.
- Health:your policy contains
restrictions regarding
pre-existing medical problems
concerning the health
of the people travelling
and of other people upon
whose health the trip
may depend. You are advised
to read your policy carefully.
- Dangerous Sports or
Pastimes: if you are going
to take part in dangerous
sports or pastimes where
there is a high risk of
injury, check that your
policy covers you.
- Property Claims: these
claims are paid based
on the value of the goods
at the time you lose them
and not on a 'new for
old' or replacement cost
basis, unless otherwise
stated in your policy.
- Policy Limits: most
sections of your policy
have limits on the amount
the insurer will pay under
that section. Some sections
also include other specific
limits, for example, any
one item or for valuables
in total. You are advised
to check your policy if
you intend taking expensive
items with you.
- Policy Excesses: under
most sections of the policy,
claims will be subject
to an excess. This means
that you will be responsible
for paying the first part
of the claim. The amount
you have to pay is the
excess. # Reasonable Care:
you need to take all reasonable
care to protect yourself
and your property.
- Complaints: your insurance
policy will have in it
a complaints procedure
which tells you what steps
you can take if you wish
to make a complaint.
- 'Cooling Off' period:
your policy may contain
a 'cooling off' period
during which you can return
the policy and get a refund,
if you have justifiable
reason for being dissatisfied
with the cover it provides.
- Your policy is governed
by English law unless
you and your insurers
have agreed otherwise.
- The person selling the
travel insurance or the
insurance documentation
will identify your insurer.
Please make sure you read your policy carefully!
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