If
you
have Single Trip cover
you
are covered for the
dates as shown on
your
policy schedule. Cancellation
cover starts from the date
you
have purchased this
insurance policy.
All other sections of cover start from when
you
leave
your home
to commence the trip. Cover applies for the
duration of the booked trip (or earlier return to
your
Country of Residence
) including the period of travel
directly to the departure point and back
home
directly
afterwards, not exceeding 24 hours in each case.
If
your
return is unavoidably delayed for an insured
reason, cover will be extended free of charge for up to 30
days maximum.
CANCELLATION RIGHTS
If
your
cover does not meet
your
requirements, please
notify
us
within 14 days of receiving
your
policy for a
refund of
your
premium. If during this 14 day period
you
have travelled, made a claim, or intend to make a claim
then
we
are entitled to recover all costs for those
services that
you
have used. Please note that
your
cancellation rights are no longer valid after this initial 14
day period.
WORKING ABROAD
This insurance is extended to cover
work abroad
.
You
are not covered under the Personal Liability section when
you
are working.
RENEWAL OF YOUR INSURANCE
If
you
have Annual Multi-trip cover
we
will send
you
a
renewal notice prior to the expiry of the Period of Cover
as shown on
your
schedule. The terms of
your
cover and
the premium may be varied by
us
at the renewal date.
We
will give
you
at least 14 days written notice before
the renewal date should this happen.
At renewal
you
must tell
us
about relevant facts and
check to see that
you
still comply with the Health
Warranty as this may affect the cover provided. If
you
do
not comply with the Health Warranty, this may invalidate
your
insurance.
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 this insurance. Failure to do so may
invalidate this 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.
MEDICAL CONDITIONS
This insurance contains restrictions regarding pre-
existing medical conditions in respect of the people
travelling and of other people upon whose health the trip
depends.
You
are advised to read the Health Warranty contained in
this policy. If
you
are in any doubt as to whether a
medical condition is covered
you
must contact the
Medical Screening Service on +44 (0) 208 828 1529.
We
will not cover medical problems referred to in the
Health Warranty unless this was declared to
us
and
accepted by
us
in writing.
HEALTH WARRANTY
If any of the following apply to
you
, a travelling
companion, an
immediate relative
,
close business
associate
or someone upon whom
your
trip depends,
(whether they are travelling with
you
or not ) the Medical
Screening Service must be contacted:
1.
You
/they were aware of any reason why the trip
could be cancelled or curtailed or of any medical
condition which could result in a claim.
2.
You
/they have, during the 12 months before this
insurance started, suffered from or received
treatment, advice or medication for any chronic,
ongoing or recurring illness or condition. (A chronic
condition is one lasting three months or more).
3.
You
/they were travelling against the advice of a
medical practitioner
or in order to get medical
treatment abroad.
4.
You
/they have been diagnosed as having a terminal
illness.
5.
You
/they were receiving, recovering from, or on a
waiting list for in-patient treatment in a hospital or
nursing home.
6.
You
/they were waiting for the results of tests or
investigations, or awaiting a referral for an existing
medical condition.
Failure to contact
us
could leave
you
with no right to
make a claim, and may mean that
you
travel with
insufficient cover.
CHANGE IN HEALTH
If any of the reasons stated in the Health Warranty above
occur between the date the policy is issued and before
the first day of
your
trip,
you
must notify the Medical
Screening Service immediately on +44 (0) 208 828
1529.
We
will then decide if
we
can provide
you
with cover on
existing terms.
We
may ask
you
to pay an additional
premium, add special conditions to the policy or exclude
cover for that medical condition. If
we
cannot provide
cover, or if
you
do not want to pay the additional
premium,
you
can make a cancellation claim if
you
have
booked and paid for a trip that
you
have not yet made.
Alternatively
you
can cancel
your
policy and
we
will
send
you
a pro-rata refund.
We
reserve the right not to extend the policy where the
booked trip could be detrimental to
your
well being.
Failure to contact
us
could leave
you
with no right to
make a claim, and may mean that
you
travel with
insufficient cover.
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