Under the Association of British Insurers General Business
Code of Practice, your attention is drawn to some of the important
features of your travel insurance policy:
Insurance Certificate/Policy
This contains full details of the cover provided plus the conditions
and exclusions which apply to it. You must read the certificate/policy
carefully.
Conditions and Exclusions
There are conditions and exclusions which apply to individual sections
and general conditions and exclusions which apply to the whole
certificate/policy.
Date Change Exclusions
Changes in dates, and particularly the change of the century, could see
widespread failure of computer and other systems containing computer chips,
which depend on date related information in order to work properly. Other
than Medical Expenses, your certificate/policy excludes anything directly
or indirectly caused by failure of any computer hardware or software or
other electrical equipment to recognise or process any date as the true
calendar date.
Fraudulent Claims
The making of a fraudulent claim is a criminal offence.
Medical Expenses
The Certificate/Policy does not provide private health treatment unless
specifically approved by the emergency service.
Health
The certificate/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 known medical conditions of
such people prior to cover being issued, and you must be aware that failure
to disclose such information will prejudice your position.
Property Claims
These are settled on an indemnity basis - not on a "new
for old" or replacement cost basis, unless otherwise stated in the
Certificate/Policy.
Certificate/Policy Limits
Most sections of the Certificate/Policy have limits on the amount the insurer
will pay under that section. Some sections also have an inner limit e.g. for
one item, or for valuables in total.
Excesses
Claims under most sections of the Certificate/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 Certificate/Policy includes a complaints procedure which tells
you what action you can take if you wish to make a complaint.
"Cooling Off" Period
The Certificate/policy contains a "cooling off" period which allows
you to return the Certificate/Policy and obtain a full refund if you have a
justifiable reason to be dissatisfied with the cover provided.
Hazardous Holiday Activities
The Certificate may not cover you when you take part in certain hazardous
activities: e.g. scuba diving. If you want cover for such activities you may
need to arrange a specialist insurance.
U.K. law allows the parties to choose the law applicable to the contract.
The contract will be subject to English Law unless otherwise agreed.
