Basic Volunteer - Terms and Conditions

The Basic Volunteer plan is part of a policy held by the association OVeuropa for all it's members.
The cover is valid worldwide APART FROM North America and Canada.
This means that the insurance is not valid in the countries of North America and Canada for any nationality. Everyone, including North American
and Canadian nationals, IS COVERED everywhere else.

The Basic Volunteer Plan provides:

Volunteer cover
Third Party Civil Liability - up to 1.500.000 euro.
Compensation for damage, death, personal injury and damage to
property and effects of third parties as a result of an accident
involuntarily caused by the insured.
Valid only when on a Host farm or project

Accidents - Death - Disability

Up to 25.000 euro - up to 50.000 euro.
Valid only when on a host farm or project.

Medical cover
Medical Expenses: Up to 2000 euro for emergency medical expenses which includes up to 500 euro for emergency dental treatment.
Valid only when on a host farm or project.

Policy Conditions
This Policy is held by the Association OVEuropa and the cover provided is extended, without limitation, to every member of the association for the
duration of their membership. Membership is valid during the dates stipulated on the membership letter providing the membership fee has been
paid.
Please read this document carefully so that you are fully aware of the terms, conditions and cover provided.
If you have any questions, or anything is unclear please contact us by email at support@oveuropa.com .

Who is Covered
Every registered member of the Association.
The cover is valid for nationals and residents when volunteering, that is to say taking part in a non monetary exchange, both inside and outside
their country of residence. Medical cover is secondary to residents entitlements under their national health system.
Cover will not be issued once you have reached 70 years of age.

What Is Covered
You are covered for
1) Holidays, leisure trips and trips that include non-manual work, manual work, charity and volunteer activities.
You will not be covered if you choose to travel to a country or specific area or event against the advice issued by the Foreign & Commonwealth
Office.
2) Reasonable activities you partake in on an unplanned and incidental basis provided that you are:
1. Supervised by a qualified instructor / licensed operator.
2. Hold the appropriate qualification or licence, or
3. Have subscribed to an accredited organisation for the activity.
and that you act in a reasonable way with due regard to your personal safety and use all recommended equipment and protective clothing that is
necessary.
You are not covered for hazardous activities, extreme or winter sports or anything listed in the General Exclusions..

Limits of Cover, Extensions and Excesses

The limits of cover under each section are shown at the top of this page and applies to each insured person.
You may extend the period of insurance by renewing your membership subject to payment of the membership fee, however, any illness or injury
which has come into existence, or has shown symptoms, or has been diagnosed in the previous membership period(s) shall not be covered under
the renewal.

When Cover Starts and Ends

If you join the association while still in your home country the cover will be valid from the start date on your membership letter.
If you join the association after having started your trip or while already volunteering there is a waiting period of 10 days before the insurance
takes effect. In the event of serious injury in connection with an accident during this 10 day period, you will be covered from the date the
membership fee was received subject to the accident being witnessed and verified by an independent third party.
If you renew or extend your policy while abroad or already volunteering the start date of the renewal must be within 48 hours of the expiry date

of the current policy otherwise the 10 day waiting period will apply.
Cover ceases on the expiry date shown on your membership letter.
If you want to return home during your trip for any reason that does not give rise to a claim under the members policy, and you then wish to
recommence your trip, you can do so under the same policy.

Cancellation Rights
If you have to cancel your trip after having joined the association you may cancel your membership and receive a full refund providing no claims
have been made.

Vounteering at Home and Abroad

You are covered whilst partaking as a volunteer, that is to say in a non monetary exchange, in non-manual work, manual work, charity and
volunteer activities.

Disclosing Relevant Facts

It is your duty to inform us of any fact, which is likely to influence us in the acceptance, assessment or continuance of your membership. Failure
to do so may invalidate the insurance, leaving you with no right to make a claim.
It is very important that this insurance provides adequate cover for your trip. To ensure that it does, and for your peace of mind, you must tell us
as soon as possible about anything which could give rise to a claim, particularly where your own health is concerned.

Medical Conditions.
Medical expenses relating to pre-existing medical conditions are not covered.
You can still take out a policy with a pre-existing medical condition, but we won't cover any claim made as a result of this condition.

Change in Health.
If, between the date of your membership starting and the start date of your trip, you receive medical advice or treatment for a serious illness or
injury (which is not a pre-existing medical condition) your cover may be limited. Please contact us and we will advise you if you will be covered
for claims relating to this condition.

Emergency Medical Expenses

If you are admitted to hospital as an in-patient or require on-going outpatient treatment overseas, please notify us immediately.
You must maintain contact with us until your return home or until you no longer require treatment or assistance.
If you receive out-patient treatment (no hospital admission) and the costs are likely to exceed 500 euro please notify us immediately.
If you receive out-patient treatment (no hospital admission), you must pay any bills yourself. Keep all receipts and submit a claim when you
return home. If you are in any doubt, contact us.
NOTE: This is not a private health insurance policy. It only covers you if there is a sudden and unexpected accident or if you become ill during a
trip.
24 hour Emergency Assistance telephone number: ++44-(0)7527-694383

Covered.
You are covered up to the limit as shown at the top of this page for costs incurred outside your country of residence for:
1. Emergency medical and surgical treatment and hospital charges (including necessary physiotherapy.)
2. Emergency dental treatment, to relieve pain only, limited to amount shown at the top of this page.
NOTE:
If you are travelling to a country in the EU, you will need a European Health Insurance Card (EHIC) to receive healthcare. Apply online at
www.ehic.org.uk.
If you are travelling in Australia and require medical treatment, you must enrol with Medicare. For more information on Medicare visit
www.medicareaustralia.gov.au.

Not Covered.
1. Any services which are covered under any National Insurance scheme or reciprocal health arrangement.
2. Any expenses incurred for illness, injury or treatment required as a consequence of:
1. Surgery or medical treatment which in the opinion of the attending medical practitioner can be reasonably delayed until your return
home.
2. Medication and or treatment which at the time of departure or date of membership confirmation, whichever is the later, is known to
be required or to be continued during your trip.
3. Undertaking an activity against the advice of a medical practitioner.
4. Any pre-existing medical condition.
3. The cost of any routine or elective (non-emergency) treatment or surgery, including specialist review or referral, exploratory tests,
treatment or surgery which are not directly related to the injury which necessitated your admittance to hospital.
4. Claims that are not confirmed as medically necessary by the attending medical practitioner.
5. Any additional hospital costs arising from single or private room accommodation unless medically necessary.
6. Treatment or services provided by a health spa, convalescent or nursing home or any rehabilitation centre.
7. Any costs incurred within your country of residence or after you have returned home.
8. Anything listed in the General Exclusions.

Personal Liability

You are covered up to the limit as shown at the top of this page, for legal expenses and legal liability for damages incurred by you which are
caused by an accident that happened during the trip, and leads to claims made against you as a result of:
1. Accidental bodily injury to a person who is not a member of your family or household or employed by you or a travelling companion.
2. Loss of or damage to any property which does not belong to you, is not in the charge of, and is not in the control of you or any member of
your family, household or employee.
3. Loss of or damage to temporary holiday accommodation that does not belong to you, or any member of your family, household or
employee.

NOTE: We are entitled to take over any rights in the defence or settlement of any claim and to take proceedings in your name for our benefit
against any other party.
NOTE: If you are using a mechanical/motorised vehicle, make sure that you are adequately insured for third party liability, as you are not covered
under this insurance.

Not Covered.
1. Fines imposed by a Court of Law or other relevant bodies.
2. Anything caused directly or indirectly by:
1. Liability which you incur as a result of an agreement that you made which would not apply in the absence of that agreement.
2. Injury, loss or damage arising from:
1. Ownership or use of aircraft, horse-drawn or mechanical/motorised vehicles, bicycles, vessels, animals (other than animals
present and necessary to the hosts lively hood) or firearms or any weapons.
2. The occupation (except temporarily for the purpose of the trip) or ownership of any land or buildings.
3. The carrying out of any paid work, trade or profession.
4. Racing of any kind.
5. Any deliberate act.
6. Suicide, attempted suicide, self inflicted injury, alcohol or drug abuse, alcoholism, drug addition, solvent abuse, wilful
exposure to exceptional risk (unless you are trying to save someones life).
7. Anxiety, depression or any psychotic mental illness.
3. Liability covered under any other insurance.
4. Anything listed in the General Exclusions.

Working Abroad
You are covered whilst partaking in non-manual work, manual work, charity and volunteer activities on a non monetary exchange basis.

Not Covered.
1.
2.
3.
4.
5.
6.
7.
8.

Work with mechanical or industrial machinery.

Work at a height above 3 metres.
Work offshore.
Work as a ski, snowboard or diving instructor or guide.
Work as a trekking guide where ropes or other specialist climbing equipment is required.
Work with dangerous animals including big cats, crocodiles, alligators, sharks, hippopotamuses, snakes, elephants or bears.
Work involving hazardous activities.
Anything listed in the General Exclusions.

General Conditions
1. All claims must be submitted within 30 days of the incident which gave rise to the claim.
2. It is a condition of this insurance that all material facts have been disclosed to us. Failure to do so may invalidate this insurance leaving you
with no right to make a claim. A material fact is one which is likely to influence us in the acceptance or assessment of your application. If
you are in any doubt about whether a fact is material, you should disclose it.
3. You are covered for reasonable activities you partake in on an unplanned or incidental basis provided that you are supervised by a qualified
instructor or have subscribed to an accredited organisation for the activity, and that you act in a reasonable way and use all recommended
safety equipment and protective clothing that is necessary.
4. We may at any time pay to you our full liability under this insurance, after which no further payments will be made in any respect.
5. You must take all reasonable steps to recover any lost or stolen article.
6. Original receipts must be supplied in the event of a claim.
7. If we require any medical certificates, information, evidence and receipts, these must be obtained by you at your expense.
8. In the event of a claim, if we require a medical examination you must agree to this. In the event of death we are entitled to a post mortem
examination. The post mortem would be at our expense.
9. If any claim is found to be fraudulent in any way this insurance will not apply and all claims will be forfeited.
10. You must not make any payment, admit liability, offer or promise to make any payment without written consent from us.
11. We are entitled to take over any rights in the defence or settlement of any claim and to take proceedings in your name for our benefit
against any other party.
12. If at the time of making a claim there is any other insurance covering the same risk, we are entitled to contact that insurer for a
contribution.
13. Damaged articles must be retained by you and if requested submitted to the Claims Handlers so as to substantiate a claim. Failure to do so
may result in a claim being turned down.

General Exclusions
You are not covered for anything caused directly or indirectly by the following unless you have contacted us and we have confirmed in writing that
you will be covered:
1. If you choose to travel to a specific area against the advice issued by the Foreign & Commonwealth Office: Website : www.fco.gov.uk
2. A set of circumstances which you knew about at the time the trip was booked unless you could not reasonably have expected such
circumstances to result in a claim.

3. You being 70 years of age or over at the inception of your membership.

4. Any trip that is undertaken:
1. For the purpose of obtaining medical treatment (whatever the nature of this treatment).
2. Against the advice of a medically qualified doctor.
3. After being given a terminal prognosis.
5. Any criminal act by you.
6. Failure to comply with the laws applicable to the country in which you are travelling.
7. Suicide, deliberate self-injury being under the influence of drink or drugs (unless prescribed by a medical practitioner), alcoholism, drug
addiction, solvent abuse, wilful exposure to exceptional risk (unless you are trying to save someones life).
8. Stress, anxiety, depression or any other emotional or psychiatric disorder or condition.
9. Pregnancy 12 weeks before and 12 weeks after the estimated date of delivery.
10. Any claim arising from sexually transmitted diseases.
11. Any injury, illness, death, loss, expenses or other liability attributable to HIV (Human Immunodeficiency Virus) and/or any HIV related
illness and/or any mutant derivatives or variations thereof however caused.
12. The cost of any routine or elective (non-emergency) treatment or surgery including specialist review or referral and/or exploratory tests
which are not directly related to the illness or injury which necessitated your admittance to hospital.
13. Any other costs that are caused by the event which led to a claim, unless specifically stated in the policy;
14. Loss or damage to any property and expense or legal liability, directly or indirectly caused by or contributed to or arising from:
1. Ionising radiation or radioactive contamination from any nuclear fuel or nuclear waste, which results in burning of nuclear fuel.
2. The radioactive toxic explosive or other dangerous properties of nuclear machinery or any part of it.
3. Pressure waves from aircraft and other flying objects travelling faster than the speed of sound.
15. Any payment, which you would normally have made during your travels, if no claim had arisen.
16. Any consequence whether direct or indirect of war, invasion, act of foreign enemy, hostilities (whether war be declared or not), discharge,
explosion or use of a weapon of mass destruction whether or not employing nuclear fission or fusion, or chemical, biological, radioactive or
similar agents, by any party at any time for any reason, terrorist activity, civil war, rebellion, revolution, insurrection, blockade, military or
usurped power.
17. Air travel (other than as a fare-paying passenger on a regular scheduled airline or licensed charter aircraft).
18. Planned hazardous activities unless there is an agreement in writing.
19. Motorbike touring or where a motorbike is the main mode of transport.
20. Your hazardous occupation of any kind.
21. Professional or organised sports, racing, speed or endurance tests, dangerous pursuits.
22. Mountaineering or rock climbing, ordinarily necessitating the use of picks ropes or specialist climbing equipment.
23. Taking part in dangerous expeditions or the crewing of a vessel more than 60 miles from a safe haven;
24. Competing at major international events as a national representative or any of the following activities: Base Jumping, Cliff Diving, Martial
Arts Competitions, Potholing and Caving, Motor Sports, Mountaineering Expeditions, Expeditions to the Arctic or Antarctic, ski jumping,
free-style skiing, ski-flying, ski acrobatics / aerials, ski stunting, ski racing or national squad training, Stunt Flying / Aerobatics.

Claims Procedures
First, check this wording to make sure your claim is valid:
Medical Claims - If serious injury is incurred in which you are admitted to hospital, call our Emergency Service on ++44-(0)7527-694383 as soon
as possible. You will be given advice on what to do and the assistance you require. All original receipts for medical consultations / treatment /
medication etc should be retained and submitted to support your claim. You can claim online, download a claim form or request one by email
from support@oveuropa.com
Under normal circumstances you will have to pay any medical bills directly and then claim from the insurance. In exceptional circumstances
involving serious injury we may deal directly with the hospital. The Emergency service will advise.
Personal Liability - Obtain as much information as possible, including police reports, witness details and any photographs. You must NOT admit
liability at any time. We must be notified immediately by email on support@oveuropa.com or by phone on ++44-(0)7527-694383.
Out Patient and Minor In Patient Treatment
If you need out-patient medical treatment (no hospital admission) or minor in-patient treatment (less than 3 days hospitalisation) you will have
to pay any expenses or charges at the time. All original receipts for medical consultations / treatment / medication etc should be retained and
submitted to support your claim.
Data Protection
Information about your policy may be shared between OVEuropa and the insurers for underwriting purposes.
Please note that sensitive health and other information you provide may be used by us, our representatives and other insurers and industry
governing bodies and regulators to process your insurance, handle claims and prevent fraud. This may involve transferring information to other
countries (some of which may have limited or no data protection laws). We have taken steps to ensure that your information is held securely.
Information we hold will not be shared with third parties for marketing purposes. You have the right to access your personal records.
Governing Law
Unless agreed otherwise, English law will apply. All communications and documentation in relation to this policy will be in English. We, the insurer
and you do not intend any term of this contract to be enforceable pursuant to the Contract (Rights of Third Parties) Act 1999.

Definitions
Word :

Definition

National :

A Passport Holder which describes the holder as a citizen who has a permanent residential address and unrestricted
right of entry to their country of citizenship.

Resident :

A person who has a permanent residential address and unrestricted right of entry to their country of residence.

Europe :

europe Mainland including Republic of Ireland, The Azores, Madeira, The Canary Islands, Morocco, Tunisia, Israel,
Mediterranean Islands, Turkey and territories formally known as USSR, west of the Ural Mountains.

Europe Mainland :

Family :

Hazardous activities :

Home :
Immediate relative :

europe Mainland is defined as Albania, Andorra, Austria, Belgium, Bosnia, Bulgaria, Croatia, Cyprus, Czech Republic,
Denmark, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Lapland, Liechtenstein, Luxembourg, Malta,
Monaco, Montenegro, Netherlands, Norway, Poland, Portugal, Romania, San Marino, Serbia, Slovakia, Slovenia,
Spain, Sweden, Switzerland.
You, your partner and your financially dependent children/grandchildren under 21 in full time education at the date
of departure, all normally resident with you.
Participating in any sport or activity which could pose an increased risk or danger to you, and may require you to
take additional precautions to avoid injury or claim.
Your usual place of residence in your country of residence as shown on your membership letter.
Mother, father, sister, brother, wife, husband, daughter, son, grandparent, grandchild, parent-in-law, son-in-law,
daughter-in-law, sister-in-law, brother-in-law, step-parent, step-child, step-brother or step-sister resident in the
your country of residence.

Manual Work :

General work not involving the use of mechanical or industrial machinery at a height not exceeding 3 metres. We do
not cover working offshore, ski, snowboard or diving instructors or guides, trekking guides where ropes or other
specialist climbing equipment is required, work with dangerous animals including big cats, crocodiles, alligators,
sharks, hippopotamuses, snakes, elephants or bears, or work involving hazardous activities.

Medical Practitioner :

A registered practising member of the medical profession who is not travelling with you, who is not related to you or
to any person with whom you are travelling or intending to stay with.

Non manual work :

Any professional, clerical or administrative work or working as a classroom teacher, classroom assistant, au pair,
nanny or childminder.

Pre-existing medical Ongoing medical or dental condition, or related complication you have, the symptoms of which you are aware of, or
condition : that is currently being or has been investigated by a medical practitioner, dentist or a chiropractor; or a medical or
dental condition for which advice, treatment or medication has been prescribed by one of the people listed in this
definition, within 180 days before you purchased your policy.
Safe Haven :
The Caribbean :

Unattended :
United Kingdom :

A protected body of water used by marine craft for refuge from storms or heavy seas.
Antigua and Barbuda, The Bahamas, Barbados, Cuba, Dominica, Dominican Republic, Grenada, Haiti, Jamaica, Saint
Kitts and Nevis, Saint Lucia, Saint Vincent and the Grenadines, Trinidad and Tobago, Anguilla, Aruba, British Virgin
Islands, Cayman Islands, Guadeloupe, Martinique, Montserrat, Navassa Island, Netherland Antilles, Puerto Rico,
Turks and Caicos Islands, Virgin Islands.
When you are not in full view of and not in a position to prevent unauthorised interference with your property.
England, Scotland, Wales, Northern Ireland, the Isle of Man and The Channel Islands.

Volunteer or charity Help and assistance given by you on a non monetary exchange basis through a recognised volunteer organisation or
activity : charity. (e.g. WWOOF, Ecoteer, The7interchange, The Project Trust).
Valuables :

Work :

Watches, furs, jewellery, photographic equipment, binoculars, telescopes, spectacles, sunglasses, video equipment,
camcorders and audio equipment including personal stereos, DVD, mini-disc players, i-Pods and MP3 players.
laptop, desktop and tabletcomputers.
Any work, including work placements, incidental work and work experience, paid or unpaid.