You are on page 1of 2
POLICY SUMMARY This policy summary does not contain the full terms and conditions of the

POLICY SUMMARY

This policy summary does not contain the full terms and conditions of the cover. Full terms and conditions can be found in the policy document.

Insurer - for all Sections excluding Section G - End Supplier Failure

This insurance is underwritten by Mapfre Asistencia Compania Internacional de Seguros y Reaseguros Sociedad Anonima. 5th Floor, Alpha House, 24a Lime Street, London EC3M 7HS Company number: FC021974. Branch Number BR008042. Trading under the name Mapfre Assistance. Mapfre Asistencia are authorised and regulated by the Financial Services Authority

authorised and regulated by the Financial Services Authority Insurer - Section G - End Supplier Failure

Insurer - Section G - End Supplier Failure

A consortium of Association of British Insurers member Companies and Lloyds Syndicates.

Type of insurance cover provided

This is personal travel insurance.

Significant features and benefits

Your policy includes the following benefits which are explained in detail in the policy document

Significant Conditions And

Exclusions

 

Policy Reference

 

Medical Conditions existing

prior to purchasing or renewing this policy

It is a condition of this policy that you will not be covered for any claims arising directly or indirectly from:

Medical Declaration

-

page 7 and 8

a. At the time of taking out this policy:

i)

Any medical condition you have, or have had, that has given rise to symptoms or for which any form of treatment or prescribed medication, medical consultation, investigation or follow-up/check-up has been required or received during the 2 years prior to the commencement of cover under this policy.

 
   

ii)

Any cancer, respiratory (other than asthma which meets the criteria shown on the Automatically Accepted Minor Conditions list), cardiovascular or circulatory condition (e.g. heart condition, hypertension, blood clots, raised cholesterol, stroke, aneurysm) that has occurred at any time prior to the commencement of cover under this policy.

Please note that some minor conditions are covered as standard if they fall within the Automatically Accepted Minor Conditions list.

For details of full terms applying to pre-existing medical conditions, please read the policy wording - page 7 and 8.

Dependency on others

This policy will not cover any claims under Section A (Cancellation, Curtailment or Trip Interruption) arising directly or indirectly from a pre-existing medical condition, that was known to you prior to the commencement of the Period of Insurance, affecting a close relative, travelling companion who is not insured under this policy or person with whom You intend to stay whilst on Your Trip if:

Cancellation or Curtailment

-

page 10

-

a terminal diagnosis had been received prior to the commencement of the period of insurance; or

 

if they were on a waiting-list for, or had knowledge of the need for, surgery, inpatient treatment or investigation at any hospital or clinic at the commencement of the Period of Insurance; or if during the 90 days immediately prior to the commencement of the Period of Insurance they had:

-

- required surgery, inpatient treatment or hospital consultations; or

- if they were aware of a medical condition or suffering from symptoms but had not had a diagnosis at the start of the Period of Insurance;

Age Limits

You must be under 51 at the date your insurance starts.

General Exclusions (3)

Eligibility

You must be a permanent resident of the United Kingdom and registered with a UK Medical Practitioner. You must be in the UK at the time of purchasing the policy and your trip must start and end in the UK.

How Your Policy Works

-

page 5

Dangerous Activities

Cover for participation in Dangerous Activities is not provided under this policy. Certain activities are allowed but some may exclude cover under the Personal Liability section of the policy.

Dangerous Activities - page 9

Please see page 9 of the Policy Booklet for full details.

Reckless or Malicious Acts

We will not pay for any claim arising or resulting from you being involved in any malicious, reckless, illegal or criminal act.

General Exclusions 5

Emergency treatment

If you have a medical emergency please contact Mapfre Assistance as soon as possible.

24 Hour medical emergency and repatriation service

-

page 10

Terrorist Activity

No cover will be in force if your loss is directly or indirectly as a result of terrorist activity.

General Exclusions 6

Medical Expenses

£5,000,000

£150

To be able to claim, the medical treatment must be required in an emergency and be unable to wait until you have returned to the United Kingdom.

Medical cover does not apply to treatment received in England, Wales, Scotland or the Isle of Man.

Table of Benefits - page 1

and Repatriation

Section C - Medical Expenses and Repatriation - page 11

Cancelling or cutting short your holiday

£3,000

£150

To be able to claim, the reason why the trip is being cancelled or cut short must be necessary and unavoidable and must fall into one of the reasons listed in the Policy.

Table of Benefits - page 1

Section A - Cancellation,

 

For example, if a person insured under this policy becomes ill or is injured or dies. You must also notify your carrier or travel agent as soon as you know the trip is to be cancelled to minimise your loss as far as possible.

Curtailment and Trip Interruption

-

pages 10 and 11

Your Personal Belongings and Baggage.

£1,500

£150

To be able to claim, a written report is required to support the loss/theft/damage. For example, from the local police or from the transport carrier.

Table of Benefits - page 1

Section D - Baggage and Replacement Passport

-

page 11 and 12

 

This must be obtained within 24 hours of discovery. The amount payable will include an allowance for wear and tear and loss of value.

Personal property left in vehicles must be in a locked boot or locked and covered luggage compartment. Valuables are not covered if they are left in an unattended vehicle.

End Supplier Failure

£3,000

£150

To be able to claim, the financial failure of any travel or accommodation supplier must not be bonded elsewhere (even if the bond is insufficient to meet the claim).

Table of Benefits - page 1

Section G - End Supplier Failure - page - 12

Certain sections of your policy carry an excess. This means that you will be responsible for paying the first part of the claim up to the excess value per insured person, each and every incident, each and every section of cover.

Significant or unusual exclusions and limitations

There are some situations which you are not covered for. These generally involve anything you already know about or that is caused by deliberate or careless acts on your part. Full details of these are given in the policy document.

Duration of Cover

For single trip policies cover for cancellation starts from the date you book your trip or pay for the insurance, whichever is the later. Annual multi trip and all other sections run for the period shown on your certificate of insurance.

Cancellation rights

You have the right to cancel your policy during the first 14 days after you have bought the policy. If you wish to cancel within this 14 day period, you will be entitled to a full refund of the premium paid, provided you have not already started your trip. Please note that if you wish to cancel your policy after you have made a claim, we may seek to recover the monies paid to you in settlement of the claim.

To cancel your policy please contact Moneysupermarket.

Please quote your validation certificate number. Unless you exercise your right to cancel within this 14 day period you will not be entitled to any refund of premium. If you do not exercise your right to cancel your policy, it will remain in force for the term of the policy and you will be required to pay the premium as stated.

Claim Notification

All Sections excluding Section G - In the event of a medical emergency, please phone +44(0)1454 642114. You can make any other claim by calling 01454 643383 or registering online at www.mapfreassistance.co.uk.

Section G - You can make any claim under this section for End Supplier Failure by calling 0208 766 3752, emailing info@ipplondon.co.uk or writing to International Passenger Protection Claims Office, IPP House, 22-26 Station Road, West Wickham, Kent, BR4 0PR.

Your right to complain

If you wish to register a complaint, please contact us for all sections excluding Section G:

In writing The Customer Care Manager, Mapfre Assistance, 5th Floor, Alpha House, 24a Lime Street, London EC3M 7HS

For Section G:

International Passenger Protection Claims Office, IPP House, 22-26 Station Road West Wickham, Kent BR4 0PR

We are covered by the Financial Ombudsman Service. If you have complained to us and we have been unable to resolve your complaint, you may be entitled to refer it to this independent body at:

South Quay Plaza, 183 Marsh Wall, London E14 9SR. Telephone: 0845 080 1800

183 Marsh Wall, London E14 9SR . Telephone: 0845 080 1800 Financial Compensation Scheme Mapfre Assistance
183 Marsh Wall, London E14 9SR . Telephone: 0845 080 1800 Financial Compensation Scheme Mapfre Assistance
183 Marsh Wall, London E14 9SR . Telephone: 0845 080 1800 Financial Compensation Scheme Mapfre Assistance

Financial Compensation Scheme

Mapfre Assistance is covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the FSCS, if Mapfre Assistance is unable to meet its obligations. More information can be obtained from the www.fscs.org.uk.