Single Trip

This policy is underwritten by ETI-International Travel Protection, the UK branch of Europäische Reiseversicherung A.G., an Ergo Group Company. incorporated and regulated under the laws of Germany, Companies House Registration FC 25660 and Branch Registration BR 007939.

ETI is licensed by the Bundesanstalt für Finanzdienstleistungsaufsicht (BAFIN - www.bafin.de) and approved by the Financial Services Authority to undertake insurance business in the UK.

This page contains details of the cover, conditions and exclusions relating to each Insured Person and is the basis on which all claims will be settled. It is validated by the issue of a Booking Confirmation/Invoice issued by the Travel Company named below stating details of the Insured Persons, the Period of Insurance, the travel details and the premium paid

In return for having accepted Your premium We will in the event of bodily injury, death, illness, disease, loss, theft, damage, legal liability or other events happening within the Period of Insurance provide insurance in accordance with the operative sections of Your policy.

Statutory Cancellation Rights
You may cancel this policy within 14 days of receipt of the policy documents (the cancellation period) by writing to the issuer of this policy during the cancellation period. Any premium already paid will be refunded to You providing You have not travelled, no claim has been made or is intended to be made and no incident likely to give rise to a claim has occurred.

Cancellation Outside the Statutory Period
You may cancel this policy at any time after the cancellation period by writing to the issuer of this policy. If You cancel after the cancellation period no premium refund will be made.
We reserve the right to cancel the policy by providing 21 days notice by registered post to Your last known address. No refund of premium will be made.

Non payment of premiums
We reserve the right to cancel this policy immediately in the event of non payment of the premium.

Period of Cover: In respect of Cancellation Cover from the date of premium receipt until leaving Home on the date of travel. In respect of all other parts of Cover from the commencement of travel date from the United Kingdom until return to the United Kingdom but not exceeding the Period of Insurance. In respect of one-way journeys cover will cease 24 hours after arrival at the final destination. In the event of the period of the Trip being extended due to illness or injury of You or Your travelling companion this insurance is automatically extended until, at Our option, the person concerned is either fit to return to the United Kingdom or until they have arrived Home or been admitted into medical care in the United Kingdom. In the event that We exercise Our right under the conditions applying to the medical expenses and repatriation expenses and curtailment sections of the policy to repatriate You and that You then refuse to be repatriated, all cover under this policy will cease from the time when the repatriation could have been arranged to take place.

Emergency Assistance & Repatriation

In the event of death or in the event of injury or illness resulting in any of the following, immediate contact must be made with the Medical Assistance Service:-
(i) Hospitalisation
(ii) Repatriation
(iii) Alteration in travel plans

Specialty Assistance Ltd
Telephone: +44 (0) 20 7902 7405
Fax: +44 (0) 20 7928 4748

When calling state Your identity, this Document No. and the identity and telephone number of the treating doctor.

Claims must be notified immediately in writing to
Towergate Chase Parkinson
P.O. Box 416
West Byfleet
Surrey
KT14 7YE
Tel: 0844 892 1697
Fax: 0844 892 1699
eMail: chaseparkinson@towergate.co.uk

In respect of legal costs and expenses please contact:
DAS Legal Expenses Insurance Co. Ltd.
DAS House, Quayside
Temple Back
Bristol BS1 6NH
Tel: +44 (0)117 934 2000
Fax: +44 (0)117 934 2109

In the event of a claim both this document and the Booking Confirmation/Invoice must be produced. Valid only in respect of travel & other arrangements specifically booked through the Travel Company named in this document in respect of certificates issued 1/1/11 - 31/12/11

Statutory Cancellation Rights
You may cancel this policy within 14 days of receipt of the policy documents (the cancellation period) by writing to the issuer of this policy during the cancellation period. Any premium already paid will be refunded to You providing You have not travelled, no claim has been made or is intended to be made and no incident likely to give rise to a claim has occurred.

Cancellation Outside the Statutory Period
You may cancel this policy at any time after the cancellation period by writing to the issuer of this policy. If You cancel after the cancellation period no premium refund will be made. We reserve the right to cancel the policy by providing 21 days notice by registered post to Your last known address. No refund of premium will be made.

Non payment of premiums
We reserve the right to cancel this policy immediately in the event of non payment of the premium.

Health Conditions: This insurance contains Health Conditions so You should inform the medical screening line of any medical conditions that may affect the Underwriters acceptance of Your cover. Please therefore telephone the medical screening line on 0870 777 7689 to inform them if anyone to be covered by this policy or any person upon whose health the Trip depends:

(a) Has an existing or on-going medical condition
(b) Is taking any prescribed medication
(c) Has or has had any condition still requiring periodic review
(d) Is awaiting any tests, treatment, investigation, referral or results of these.

Failure to notify them may cause Your circumstances to fall within a policy exclusion.

Single Trip Definitions

Cancellation

We will pay You up to the Sum Insured in respect of loss of deposits or cancellation charges levied for pre-booked transport and accommodation in the event of cancellation of the entire Trip prior to its commencement as a result of travel being prevented by:-

1) Death, injury or illness as certified by a Medical Practitioner, summons for jury service or as a compulsory witness in a court of law (other than in the line of duty) to be undertaken during the Period of Insurance, compulsory redundancy qualifying for payment under the current Redundancy Legislation and notified after the date of purchasing the Insurance, of (a) You (b) a person with whom You had arranged to travel (c) a Close Relative of You (d) a Business Associate of You upon whom Your business in the United Kingdom depends (e) Your host or a member of their family residing with them.

2) A complication of Your pregnancy or the duration of such pregnancy exceeding 30 weeks on the date of departure from the United Kingdom.

3) Unavoidable delay exceeding 12 hours at the final point of departure from the United Kingdom as a result of failure or disruption of the pre-booked public transport service in which You were due to depart from the United Kingdom, where no alternative form of transport is offered.

Exclusions
(i) The first £65 (£20 in respect of deposits) of each and every claim per event for each Insured Person claimed for under this section. (ii) Any claim arising from a medical condition existing prior to the payment of the insurance premium or from a recurrent condition for which the sick person whose medical condition causes cancellation, whether they are booked to travel on the holiday or not, has or has had symptoms which are awaiting or receiving investigation, tests, treatment, referral or the results of any of the foregoing, unless We have agreed in writing, to cover You (iii) Any claim arising from a medical condition existing prior to the payment of the insurance premium or from any recurrent condition where a Medical Practitioner would have advised the persons travelling not to travel. (iv) Any additional charges incurred as a result of any delay in the Insured Person cancelling the booked arrangements. (v) Any claims for costs related to pregnancy or childbirth unless the claim is certified by a medical practitioner as necessary due to complications of pregnancy and childbirth.

Medical Expenses

Repatriation Expenses

We will pay You up to the Sum Insured
1) Following illness or injury of You or of the person travelling with You or following death, injury or illness of either Your Close Relative or a Business Associate of You upon whom Your business in the United Kingdom depends (i) receipted costs, necessarily incurred, in respect of repatriation to the United Kingdom or repatriation Home in the United Kingdom if holidaying in the United Kingdom (ii) additional costs, necessarily incurred, of accommodation and subsequent repatriation if the Trip is extended.

2) Following the death of You during the Period of Insurance (i) all costs in respect of repatriation of You to the United Kingdom undertaker specified by next of kin or (ii) the reasonable cost of burial or cremation in the country where death occurs excepting United Kingdom but not exceeding the cost of repatriation to the United Kingdom.
Exclusions and Conditions:- below

Curtailment

Following Us accepting a claim within the Repatriation Expenses section of this policy We will reimburse a pro-rata amount of Your pre-paid travel and accommodation costs following curtailment by early return to the United Kingdom or by attendance at a hospital abroad as an inpatient but not exceeding the Sum Insured.

Exclusions applying to Medical Expenses, Repatriation Expenses and Curtailment
(i) The first £65 of each and every claim per event for each Insured Person claimed for under this section

(ii) Medical conditions existing prior to the payment of the insurance premium or any consequence thereof in respect of which a Medical Practitioner would advise against travel or that treatment may be required during the duration of the Trip

(iii)(a) Manipulative treatment (b) Alternative medicine

(iv) Medical conditions existing prior to payment of the insurance premium in respect of which the sick or injured person has or has had symptoms which are awaiting or receiving treatment, investigation, tests, referral or the results of these unless We have agreed in writing, to cover You

(v) The cost of replenishing supplies

(vi) Any surgery, treatment or investigations for which You intend to travel outside of the United Kingdom to receive (including any expenses incurred due to the discovery of other medical conditions during and/or complications arisng from these procedures)

(vii) (a) Any costs incurred in respect of treatment that can reasonably wait until You have returned to the United Kingdom (b) Cover only applies for emergency treatment necessary in respect of illness or injury occurring during the Trip and does not cover costs in respect of treatment of any underlying or related medical condition

(viii) All claims following You acting against medical advice

(ix) Any expenses incurred more than 12 months after the date of the illness or injury occurring (x) Your travel against any health requirements stipulated by the carrier, their handling agents or any other public transport provider

(xi) Any condition related to exposure to the sun

(xii) Dental Treatment

(xiii) Any claims for costs related to pregnancy or childbirth unless the claim is certified by a medical practitioner as necessary due to complications of pregnancy and childbirth.

Conditions applying to Medical Expenses and Repatriation Expenses and Curtailment
1) In the event of death, or in the event of injury or illness likely to result in hospitalisation, repatriation, or any alteration in travel plans then immediate advice must be given to the Medical Assistance Service as specified in this policy and We will only pay for expenses agreed by them.

2) You shall take all reasonable action to obtain medical treatment within any existing reciprocal health care agreement and recover any refunds within that agreement to which they may be entitled. Furthermore You (and/or Your legal representative) hereby authorise the release of any medical information as may be required to Our medical advisors.

3) Any costs reasonably incurred by the Medical Assistance Service on behalf of You and for the benefit of You in any emergency situation shall not be regarded as Our acceptance of the claim.

4) Any refunds in respect of pre-paid un-used travel or accommodation shall belong to Us.

5) We reserve the right to repatriate You to the United Kingdom when in the opinion of the Medical Practitioner in attendance and Our medical advisers You are fit to travel.

Luggage and Personal Money

Loss of Passport

Personal Liability

Personal Accident

Delayed Departure

Missed Departure

Legal Costs and Expenses

Bodily Injury, Illness and Death

We agree to provide the insurance in this section as long as any legal proceedings will be dealt with by a court or other body which DAS agrees to; and the date of the occurrence of the insured incident happens during the Period of Insurance; and it is always more likely than not that an Insured Person will recover damages (or obtain any other legal remedy which We have agreed to) or make a successful defence.

We will cover reasonable legal and travel expences necessarily incurred in pursuit of a claim for damages or compensation arising from the Bodily Injury, Illness or Death of an Insured Person occurring outside the United Kingdom and the Channel Islands.

We will negotiate for the Insured Person's legal right after an event which causes the death of, or Bodily Injury to the Insured Person. We will not pay legal expenses to bring proceedings to more than one country in respect of the same event.

For all insured incidents We will help in appealing or defending an appeal as long as the Insured Person informs Us within the time limits allowed that they want to appeal. Before We pay the Legal Costs and expense for appeals, We must agree that it is always more likely than not that the appeal will be successful.

You are covered;
Up to the sum insured for You for Legal Costs and expenses, directly related to the legal action including Legal Costs and expenses of an appointed lawyer. The maximum amount We will pay for all claims resulting from one or more Insurance Events arising at the same time or from the same cause is £25,000. If the aggregate limit is reached, this amount will be allocated in proportion to Our liability to each Insured Person.

Exclusions applying to Legal Costs and Expenses:
We shall not be liable for:
1. The first £65 of each and every claim per event for each Insured Person claimed for under this section.
2. Any claim reported to Us more than 180 days after the date the Insured Person should have known about the insured incident
3. Any Legal Costs that are incurred before We agreed to pay them
4. Any claim against an insurer or insurer's agent
5. Any disagreement with ETI or DAS that is not in the Additional Conditions applying to this section
6. Any claim relating to any illness which develops gradually or is not caused by a specific or sudden accident
7. Any claim relating to the following: a) A contract regarding the Insured Person's profession, business or employment b) A lease or a licence or tenancy of land or buildings c) Construction work on any land, or designing, converting or extending any building d) A contact involving a motor vehicle, except for car hire e) The settlement payable under an insurance policy
8. An application for Judicial Review
9. Written or verbal remarks which damage the Insured Person's reputation
10. Fines, damages or other penalties which the Insured Person is ordered to pay by a court or other authority
11. Defending the Insured Person's legal rights
12. Any legal action the Insured Person takes which We or the representative have not agreed to or where the Insured Person does anything that hinders Us or the representative
13. Any Legal Costs and expenses that are incurred where We agree a contingency fee arrangement with the representative.

Additional conditions applying to Legal Costs and Expenses
a) (i) We can take over the conduct, in the Insured Person's name, any claim or legal proceedings at any time before a representative is appointed. We can negotiate any claim on the Insured Person's behalf. (ii) If We agree to start legal proceedings, or if there is a conflict of interest, the Insured Person can choose a representative by sending Us the lawyer's name and address. We may chose not to accept the choice of lawyer, but only in exceptional circumstances. If there is a disagreement over the choice of representative, another lawyer can be appointed to decide the matter (see condition f) below) (iii) Before the Insured Person chooses a lawyer, We can appoint a representative (iv) A representative will be appointed by Us and represent the Insured Person according to Our standard terms of appointment. The representative must co-operate fully with Us at all times (v) We will have direct contact with the representative (vi) The Insured Person must co-operate fully with Us and the representative and must keep Us up-to-date with the progress of the claim (vii) The Insured Person must give the representative any instructions that We ask for.

b) (i) The Insured Person must tell Us if anyone offers to settle the claim. (ii) If the Insured Person does not accept a reasonable offer to settle the claim, We may refuse to pay further Legal Costs and expenses. (iii) The Insured Person must not negotiate or agree to settle a claim without Our approval. (iv) We may decide to pay the Insured Person the amount of damages that the Insured Person is claiming or is being claimed against them instead of starting or continuing legal proceedings.

c) (i) If We ask, the Insured Person must tell the representative to have Legal Costs and expenses taxed, assessed or audited. (ii) The Insured Person must take every step to recover Legal Costs and expenses that We have to pay and must pay Us any Legal Costs and expenses that are recovered.

d) If a representative refuses to continue acting for the Insured Person with good reason or if the Insured Person dismisses a representative, the cover We provide will end at once, unless We agree to appoint another representative.

e) If the Insured Person stops a claim without Our agreement, or does not give suitable instructions to a representative, the cover We provide will end at once.

f) If We and the Insured Person disagree about the choice of representative, or handling of a claim, We and the Insured Person can choose another lawyer to decide the matter. You and We must agree this in writing. If We cannot agree with the Insured Person about the choice of the second lawyer, We will ask the president of a relevant national law society to choose a lawyer. Whoever loses the diagreement will have to pay the costs of settling it.

General Exclusions

We shall not be liable in respect of the following:-

1. Any claim (a) sustained whilst suffering from alcoholism or drug addiction (b) attributable to the influence of alcohol or drugs not prescribed by a qualified Medical Practitioner (c) due to or arising out of (i) stress, anxiety or depressive conditions, suicide or attempt thereat, psychiatric illness, terminal illness, sexually transmitted disease, any deliberate exposure to danger, a criminal act (ii) engaging in winter sports (unless appropriate premium paid), mountaineering or rock climbing involving the use of ropes or guides, pot holing, racing, or any other hazardous pursuits (iii) flying other than as a passenger in a fully licensed aircraft.

2. Any circumstances manifesting themselves subsequent to the date of booking the Trip but prior to the date of issue of the insurance.

3. Any costs or expenses which are recoverable from any other source.

4. Any liability, howsoever arising, resultant from (i) the use of either faulty or inferior property or property not fulfiling its purpose (ii) the lack of provision of any service or the provision of such service not being of an appropriate standard (iii) withdrawal from service (temporary or otherwise) of a coach, an aircraft or sea vessel on the recommendation of a Port Authority, Civil Aviation Authority or of any similar body.

5. Any liability resulting either directly or indirectly from any supplier of travel or associated services ceasing to trade.

6. Any consequence of war, invasion, act of foreign enemy, act of terrorism, hostilities whether war be declared or not, civil war, riot, civil commotion or workers or other persons taking part in a labour dispute, rebellion, insurrection, military or usurped power.

7. Loss, destruction or damage to any property, legal liability, injury, expense or indemnity of whatsoever nature arising directly or indirectly from or contributed to by ionising radiations or contamination by radioactivity from any nuclear fuel or waste or any nuclear component of whatsoever nature.

8. Unless We provide cover under this insurance any other loss, damage or additional expense following on from the event for which You are claiming. Examples of such loss, damage or additional expense would be the cost of replacing locks after losing keys, cost incurred in preparing a claim or loss of earning following injury or illness.

9. Your travel to a country or specific area or event to which the Travel Advice Unit of the Foreign & Commonwealth Office or the World Health Organisation has advised the public not to travel.

10. An age limit of 79 years applies.

General Condtions

You must comply with the following conditions to have the full protection of Your policy. If You do not comply with them, We may at Our option cancel the policy or refuse to deal with Your claim or reduce the amount of any claim payment.

1. The insurance premium is not refundable under any circumstances other than during the period as defined in the paragraph headed ?Statutory Cancellation Rights' on page one.

2. Cover for children aged under 2 is limited to Cancellation, Medical and Repatriation expenses only.

3. This policy does not cover any person who is not normally resident in the United Kingdom.

4. You shall take all reasonable precautions to avoid injury loss or damage.

5. If at the time of any incident which results in a claim under this policy, there is another insurance covering the same loss, damage, expense or liability We will not pay more than Our proportional share (not applicable to Personal Accident).

6. (i) (a) The travel company named in this document is not a servant or agent or employee of Us (b) You shall at the time of effecting this insurance disclose to Towergate Chase Parkinson directly any facts that could affect Our decision to provide insurance to You (ii) if, after the payment of the premium and the issue of cover, but before commencement of travel, You or any other person upon whose health the Trip is dependant shall suffer from any medical condition which may affect the travel plans or may require medical intervention during the Period of Insurance then such condition shall be disclosed to Towergate Chase Parkinson immediately.

7. On the happening of any event which may give rise to a claim You shall (a) give immediate written notice but in any event within 28 days of the date of the occurrence to Towergate Chase Parkinson (b) furnish at Your expense such reports information and proof as may reasonably be required.

8. You are not at the time of effecting this insurance aware of any circumstances which are likely to result in a claim under this policy. Towergate Chase Parkinson is a trading name of Towergate Underwriting Group Limited which is authorised and regulated by the Financial Services Authority This policy is underwritten by ETI - International Travel Protection, the UK branch of Europäische Reiseversicherung A.G., an Ergo Group Company Incorporated and regulated under the laws of Germany, Companies House Registration FC 25660 and Branch Registration BR 007939 ETI is licensed by the Bundesanstalt für Finanzdienstleistungsaufsicht (BAFIN-www.bafin.de) and approved by the Financial Services Authority to undertake insurance business in the UK Towergate Chase Parkinson: Registered in England No. 4043759 Registered Office: Towergate House, Eclipse Park, Sittingbourne Road, Maidstone, Kent ME14 3EN CAN/11

9. All liability shall cease upon Your return to the United Kingdom or upon Your admission into medical care in the United Kingdom whichever shall be the sooner.

10. You and We are free to choose the law applicable to this policy. As We are based in England, We propose to apply the laws of England and Wales and by purchasing this policy You have agreed to this.

11. We shall be entitled at Our own expense to take any proceedings We consider reasonable in name to recover any payment made under this policy and any amount so recovered shall belong to Us.

12. You must not act in a fraudulent manner. If You or anyone acting for You:
– Make a claim under the policy knowing the claim to be false or frauduently exaggerated in any respect; or
– Make a statement in support of a claim knowing the statement to be false in any respect; or
– Submit a document in support of a claim knowing the document to be forged or false in any respect; or
– make a claim in respect of any loss or damage caused by Your wilful act or with Your connivance. Then
– We shall not pay the claim.
– We shall not pay any other claim which has been or will be made under the policy.
– We may at Our option declare the policy void.
– We shall be entitled to recover from You the amount of any claim already paid under the policy.
– We shall not make any return of premium.
– We may inform the Police of the circumstances.

Complaints Procedure

Should the matter not be resolved to Your satisfaction, please write directly to Us at:

ETI - International Travel Protection
Albany House
14 Bishopric
Horsham
West Sussex
RH12 1QN

If You wish to complain under the legal costs and expenses section, please forward details of your complaint to:

The Managing Director
DAS Legal Expenses Insurance Company Limited
DAS House
Quayside
Temple Back
Bristol
BS1 6NH

If We have given You Our final response and You are still dissatisfied You may refer Your case to the Financial Ombudsman Service (FOS). The FOS is an independent body that arbitrates on complaints about general insurance products. It will only consider complaints after We have provided You with written confirmation that Our complaints procedure has been exhausted.

The Ombudsman can be contacted at:
Insurance Division
Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London
E14 9SR
Telephone: (0845) 080 1800
Fax: (020) 7964 1001

This procedure will not affect Your rights in law.

Financial Services Compensation Scheme (FSCS) Towergate Chase Parkinson and the insurers of this policy are covered by the Financial Services Compensation Scheme (FSCS).

If We are unable to meet Our obligations, You may be entitled to compensation from the scheme, depending on the type of insurance and the circumstances of the claim. Further information is available from the FSCS at www.fscs.org.uk.

Demands and Needs

Important

This insurance policy will have been sold to You on a non-advised basis and it is therefore for You to read this insurance policy (paying particular attention to the terms, and conditions and exclusions) and ensure that it meets all of Your requirements. If upon reading this policy You find it does not meet all of Your requirements, please refer to the relevant Statutory Cancellation Rights section.

Click here to view/download a pdf version of these Terms and Condtions

Updated 10 May, 2011
Valid only in respect of certificates issued 1/1/11 - 31/12/11