Docstoc

wording

Document Sample
wording Powered By Docstoc
					                                      WIZZ AIR TRAVEL INSURANCE POLICY WORDING
This document is only valid when issued in conjunction with a Wizz Air certificate of insurance and provided the appropriate insurance premium has been paid.




                            TABLE OF BENEFITS                                        GENERAL INFORMATION ABOUT THIS INSURANCE
The following cover is provided for each insured person. It is important that       Insurance providers
you refer to the terms and conditions of the policy for full details of cover.      This insurance is provided by Wizz Air and underwritten by Chartis
                                                                                    Insurance UK Limited. Wizz Air is an appointed representative of Chartis
                                                                                    Insurance UK Limited which is authorised and regulated by the Financial
  Section   Benefit                                     Single Trip     Excess*
                                                                                    Services Authority, FSA number 202628. This information can be checked by
                                                        and Annual
                                                         Multi-Trip                 visiting the FSA website (www.fsa.gov.uk/register).
                                                      Sum insured to:               Wizz Air Hungary Airlines Ltd, Airport Business Park C2, Lõrinci út 59, 2220
                                                                                    Vecsés, Hungary.
    A       Cancelling your trip                          £3,000          £50

    B       Medical and other expenses outside           £200,000         £50       Your travel insurance
            the UK                                                                  This policy wording along with your certificate of insurance forms the basis
    C       Hospital benefit                           £10 for every      Nil
                                                                                    of your contract of insurance. Together, these documents explain what you
                                                         24 hours                   are covered for. The policy wording contains conditions and exclusions
                                                        up to £500                  which you should be aware of. You must keep to all the terms and conditions
                                                                                    of the insurance, otherwise any claims you make may not be paid.
    D       Cutting your trip short                       £3,000          £50
                                                                                    Please read this policy wording to make sure that the cover meets your needs
    E1      Missed departure                               £500           £50       and please check the details outlined within your certificate of insurance to
                                                                                    make sure that the information shown is correct.
    E2      Missed connection                              £300           £50

    F1      Travel delay                               £20 for every      Nil
                                                                                    Law
                                                      12 hours delay                This insurance will be governed by English Law, and you and we agree to
                                                        up to £300                  submit to the exclusive jurisdiction of the courts of England and Wales,
                                                                                    unless you reside in Scotland, Northern Ireland or the Isle of Man, in which
    F2      Abandoning your trip                          £3,000          £50       case the law applicable to that jurisdiction will apply and its courts will have
    G1      Personal belongings and baggage               £1,000          £50       exclusive jurisdiction.
            Including: single article limit/pair or        £150
            set of items limit
                                                                                    Your right to cancel the policy within 14 days of purchase
            Including: valuables and                                                If this cover is not suitable for you and you want to cancel your policy, you must
                                                           £200
            electronic/other equipment limit                                        contact us by e-mailing wizzairuktravelinsurance@chartisinsurance.com or
                                                                                    phoning 0207 954 7898 or by writing to Wizz Air Travel Insurance, PO Box
    G2      Delayed baggage                                £135           Nil       2157, Shoreham by Sea, West Sussex BN43 9D within 14 days of buying your
                                                                                    policy or the date you receive your policy documents. In line with the
    G3      Personal money                                 £500           £50
                                                                                    conditions below we will refund the premium you have paid within 30 days of
            Including: cash limit                          £250                     the date you contact us to ask to cancel the policy.
    G4      Passport and travel documents                  £200           Nil       If you are a Single Trip policyholder, we will not refund your premium if you
                                                                                    have travelled or made a claim before you asked to cancel the policy within
    H       Personal accident                            £10,000          Nil
                                                                                    the 14-day period.
     I      Personal liability                          £1,000,000       £150       If you are an Annual Multi-Trip policyholder and you have travelled or made
                                                                                    a claim before you asked to cancel the policy within the 14-day period, we
     J      Legal expenses                               £10,000         £150
                                                                                    will only refund a proportionate amount of your premium.
    K       Hijack                                     £30 for every      Nil
                                                         24 hours                   Your right to cancel the policy outside the 14 day cooling off period
                                                       up to £1,000                 If you decide this cover is no longer suitable for you and you want to cancel
                                                                                    your policy after the 14 day cooling off period, you must contact us by
  Winter Sports cover is only available if you pay the appropriate extra premium.
                                                                                    e-mailing wizzairuktravelinsurance@chartisinsurance.com, by writing to
    L1      Winter sports equipment                        £300           £50       Wizz Air Travel Insurance, PO Box 2157, Shoreham by Sea, West Sussex
            Including: single article limit                £150                     BN43 9DH or by phoning 0207 954 7898. In line with the conditions below
                                                                                    we will refund a proportion of the premium you have paid within 30 days of
    L2      Winter sports equipment hire               £15 per day        Nil       the date you contact us to ask to cancel the policy.
                                                       up to £200
                                                                                    If you are a Single Trip policyholder and you have not travelled or made a
    L3      Lift pass                                      £100           £50       claim before you asked to cancel the policy, you will be entitled to a refund
                                                                                    of the premium paid, subject to deduction of 30% of the premium initially
    M       Ski pack                                       £150           Nil
                                                                                    paid to represent the period during which you have been on risk for
    N       Piste closure                              £20 per day        Nil       cancellation cover.
                                                       up to £200                   If you are an Annual Multi-Trip policyholder and you have not made a claim
    O       Avalanche cover                                £100           £50       before you asked to cancel the policy, you will be entitled to a refund,
                                                                                    subject to a deduction for the time for which you have been covered on a
                                                                                    pro rata basis.
* Excess When claiming under certain sections listed in the table above, you        Our right to cancel the policy
have to pay the first part of a claim. The excess will apply to each person
claiming, and to each incident and to each section of the policy which a            We have the right to cancel this policy by giving at least 30 days notice in
claim is made under.                                                                writing to the policyholder at their last known address. A pro rata refund of
                                                                                    the premium paid will be made to the policyholder from the date we cancel
                                                                                    the policy.

                                                                                                                                                                         1
    Financial Services Compensation Scheme (FSCS)                                           •    The activity is not part of a competition or tournament; and
    We are covered by the FSCS. If we are unable to meet our financial                      •    The activity is not on a professional basis.
    obligations you may be entitled to compensation from the scheme,                    If you have any questions or if you wish to take part in an activity not shown
    depending on the type of insurance and the circumstances of the claim.              in the following tables, please contact Wizz Air Insurance on 0207 954 7898
    For insurance required by law, 100% of your claim is covered, without any           or e-mail wizzairuktravelinsurance@chartisinsurance.com before taking
    upper limit. For all other types of insurance, 90% of your claim is covered,        part to make sure that cover is provided.
    without any upper limit.
    Further information about compensation scheme arrangements is available              Amateur athletics, angling, archery, badminton, banana boating, basket-
    at www.fscs.org.uk and on 0207 892 7300, or 0800 678 1100.                           ball, boardsailing, bowling, bridge walking (supervised by a fully trained
                                                                                         guide), bungee jumps (three jumps), cave tubing or river tubing,
    If you have any questions                                                            cricket, curling, cycling, fell walking, gymnastics, handball, husky
    If you have any questions about the cover provided under this policy or you          sledge driving, jogging (not including marathons), mountain biking (not
    would like more information, please contact 0207 954 7898 or e-mail                  including downhill racing and extreme terrain), netball, orienteering, para-
    wizzairuktravelinsurance@chartisinsurance.com                                        sailing, parascending (over water), rambling, ringos, roller blading (inline
                                                                                         skating and skateboarding), running (not including marathons),
                                                                                         safari trekking in a vehicle or on foot (only as part of an officially organ-
     IMPORTANT THINGS YOU NEED TO KNOW                                                   ised tour and not including the personal use of firearms), sand boarding,
     ABOUT YOUR POLICY BEFORE YOU TRAVEL                                                 scuba diving (qualified, maximum depth 30 metres) under 14 days, sleigh
                                                                                         rides (as part of an officially arranged excursion), snorkelling, squash, surf-
    Health conditions                                                                    ing, swimming, swimming with dolphins (as part of an officially arranged
    This policy contains conditions relating to your health, the health of people        excursion), table tennis, tennis, ten pin bowling, trekking (under 2,000
    travelling with you and the health of others who might not be travelling with        metres altitude), triathlons, volleyball, wake boarding, water polo, water-
    you but on whose health the trip may depend (this would include a relative           skiing and white or black water rafting (grades 1 to 4).
    or a close business associate). In particular, we do not cover medical
    problems which you or they had before the cover started.                            Cover is provided for the activities listed in the table below, however, no cover
    If you are an Annual Multi-Trip policyholder and after you have paid your           is available under section H (Personal accident) and section I (Personal liability).
    insurance premium you are diagnosed with a medical condition or if you
    receive in-patient medical treatment or if you are placed on a waiting list for      Baseball, camel or elephant riding (supervised by a fully trained guide),
    investigation or medical treatment, you must contact us by phoning 0207 954          canoeing, canopy walking or tree top walking, conservation or charity
    7898 immediately. By making such a declaration, this will enable us to decide        work (educational and environmental – working with hand tools only),
    whether we can continue to provide cover for your change in circumstances            cycle touring, dragon boat racing, dune and wadi bashing, football, go
    under the existing terms of the policy. We have the right to alter the terms of      karting, golf, hiking (over 2,000 metres but under 6,000 metres altitude),
    cover in line with the change in risk by adding further terms and conditions to      hockey, horse riding (not polo, hunting, jumping), hot-air ballooning (offi-
    your policy or by excluding cover for the newly diagnosed condition.                 cially organised pleasure rides only), jet boating, jet skiing, kayaking, kite
    If we are no longer able to provide cover for the newly diagnosed condition,         surfing (over water), mud buggying, paintballing (wearing eye protection),
    you will be entitled to make a claim under section A (Cancelling your trip)          passenger (in private or small aircraft or helicopter), rowing, trekking (over
    for your unused costs if you decide you no longer wish to travel on the              2,000 metres but under 6,000 metres altitude), windsurfing and yachting
    planned trip. Alternatively, you will be entitled to cancel your policy, in          (not racing or crewing) inside territorial waters and zip lining.
    which case, we will refund a proportionate amount of your premium.
    Please see general exclusion number 1 on page 4 for further details.

    Health agreements                                                                    COVER OPTIONS AVAILABLE
    If you are travelling to a country in the European Union, you should take a         Trip options and durations
    European Health Insurance Card (EHIC) with you. Application forms to
                                                                                        Single Trip
    obtain an EHIC are available from your local post office or you can
    download an application form from the following website: www.ehic.org.uk.           This provides cover for one trip for up to 90 days.
    This entitles European citizens to benefit from the health agreements which         Annual Multi-Trip
    exist between countries in the European Union.
                                                                                        This gives you cover to travel as many times as you like within the period of
    If you are travelling to Australia or New Zealand and you need medical              insurance provided no single trip lasts longer than 31 days. Cover is provided
    treatment, you should enrol with Medicare or the equivalent scheme of these         for up to 17 days in total for winter sports within the period of insurance.
    countries. Further information is available from the following website:
                                                                                        Adults are entitled to travel independently. Children under 18 years of age
    www.hic.gov.au
                                                                                        are only entitled to travel separately to the main insured person if they are
    If you present your EHIC to the treating doctor or hospital if you need             travelling with a relative, guardian or person with a legal duty of care.
    medical treatment within the European Union or you enrol with Medicare
                                                                                        Cover under Annual Multi-Trip policies is only provided in the United
    when travelling to Australia or New Zealand, this will save you paying the
                                                                                        Kingdom if you stay in pre-booked accommodation for at least two nights
    policy excess under section B (Medical and other expenses outside of the
                                                                                        away from where you usually live.
    United Kingdom) if your medical costs are reduced as a result of using your
    EHIC or Medicare being involved.                                                    Please note:
                                                                                            •    If you have arranged a Single Trip policy, it does not matter how long
    Residency                                                                                    you buy cover for. It ends when you return to the United Kingdom.
    You and all other persons insured on this policy must have your main home
                                                                                            •    If you travel for longer than the trip duration limits, cover will cease
    in the United Kingdom and have a UK National Insurance number and be
                                                                                                 on the final day of the trip limit unless your trip cannot be completed
    registered with a doctor in the United Kingdom at the time you buy or renew
                                                                                                 within the period of insurance due to reasons beyond your control
    this policy.
                                                                                                 which fall within the conditions of this insurance.
    Channel Island residents must have their main home in the Channel Islands
    and be registered with a local doctor.                                              Age limits
                                                                                        All persons must be 64 years of age or under at the date of buying this policy.
    Sports and activities
    You may not be covered when you take part in certain sports or activities.          The main applicant must be 18 years of age or over at the date of buying this
    For certain activities, cover under section H (Personal accident) and section       policy.
    I (Personal liability) will not apply. If you intend to take part in a sport or
                                                                                        Policy options
    activity during your trip, please note that cover is available for the activities
    listed in the two following tables provided:                                        Individual

        •   You follow the safety guidelines for the activity concerned and             One person aged 18 years or over.
            where applicable you use the appropriate and recommended safety             Couple
            equipment;                                                                  An individual and his or her partner provided they live together. A partner
        •   The activity is not the main purpose of your trip;                          would include a civil partner.

2
Family                                                                               If you have to return to the United Kingdom under section D (Cutting your
An individual and his or her partner provided they live together and up to           trip short) or section B (Medical and other expenses outside of the United
four of their dependent children (which can include fostered or adopted              Kingdom) the Medical Emergency Assistance Company must authorise this.
children) under 18 years of age at the date of buying this policy.                   If they do not, we may provide no cover or we may reduce the amount we
                                                                                     pay for your return to the United Kingdom.
Upgrades
                                                                                     If you need to make a claim
The following upgrade is available by paying an additional premium:
                                                                                     You must register a claim by contacting the following company:
Winter sports cover
                                                                                             Wizz Air Claims Department
For Single Trip policies you can buy cover for the duration of your trip.                    Travel Guard
Please see page 9 for a full list of winter sports activities which can be covered           PO Box 60108, London SW20 8US
by paying an additional premium. If the winter sport you intend to take part in              Phone: 0845 603 9892
is not shown in the list, please check that cover will be provided by contacting             Fax: 01273 376 935
0207 954 7898 or e-mail wizzairuktravelinsurance@chartisinsurance.com                        E-mail: uk.claims@travelguard.com
                                                                                     Please note: All claims must be notified as soon as it is reasonably practical
Geographical areas
                                                                                     after the event which causes the claim. If our position is prejudiced by the
Europe                                                                               late notification of a claim then this may affect our acceptance of a claim.
The continent of Europe, including all countries west of the Ural Mountains,         The Wizz Air Claims Department are open Monday to Friday between
islands in the Mediterranean, Madeira, Turkey, the Azores and Iceland.               9am and 5pm. A claim form will be sent to you as soon as you tell them
Worldwide                                                                            about your claim.
Anywhere in the world apart from the following countries: Afghanistan,               To help us prevent fraudulent claims, we store your personal details on
Cuba, Liberia or Sudan.                                                              computer and we may transfer them to a centralised system. We keep this
Please note: No cover is provided for claims arising as a direct result of the       information in line with the conditions of the Data Protection Act.
situation highlighted by the Foreign and Commonwealth Office where you
have travelled to a specific country or to an area where, prior to your trip
                                                                                     Fraud
commencing, the Foreign and Commonwealth Office have advised against                 This contract of insurance is based on mutual trust. We provide cover and
all (but essential) travel.                                                          we assume that any claims you make are genuine. Our experience in
                                                                                     handling claims enables us to detect many of those which are fraudulent and
Period of insurance                                                                  this includes those which are exaggerated. We investigate every claim and if
Cover under section A (Cancelling your trip) starts at the time you book the         we believe that a fraudulent claim is being made we will inform the police.
trip or pay the insurance premium, whichever is later and ends as soon as            This may result in criminal prosecution.
you start your trip.
                                                                                     Customer service
Cover under all other sections starts when you leave your home address in
                                                                                     Every effort is made to ensure you receive a high standard of service. If you
the United Kingdom (but not earlier than 24 hours before the booked
                                                                                     are not satisfied with the service you have received, please contact:
departure time) or from the start date shown on your certificate of insurance,
whichever is the later.                                                              In relation to sales and administration matters:
Cover ends when you return to your home address in the United Kingdom (but                   The Customer Services Manager
not later than 24 hours after your return to the United Kingdom) or at the end               Wizz Air Travel Insurance
of the period shown on your certificate of insurance, whichever is earlier.                  PO Box 2157, Shoreham by Sea
                                                                                             West Sussex BN43 9DH
If you have arranged a One-Way trip, cover ends 24 hours after you first
                                                                                             Phone: 0207 954 7898
leave immigration control in your final country of destination or at the end
                                                                                             E-mail: wizzairuktravelinsurance@chartisinsurance.com
of the period shown on your certificate of insurance, whichever is earlier.
                                                                                     In relation to claims matters:
Cover cannot start after you have left the United Kingdom. Unless you have
arranged a One-Way trip, each trip must begin and end in the United                          The Customer Care Manager
Kingdom.                                                                                     Wizz Air Claims Department
                                                                                             Travel Guard
                                                                                             PO Box 2157, Shoreham by Sea
 IMPORTANT CLAIM INFORMATION                                                                 West Sussex BN43 9DH
                                                                                             Phone: 0845 603 9892
Medical and other emergencies                                                                E-mail: uk.claims@travelguard.com
The Medical Emergency Assistance Company, Travel Guard, will provide                 To help us deal with your comments quickly, please quote your certificate of
immediate help if you are ill, injured or die outside the United Kingdom.            insurance/claim number and the policyholder/insured person’s name.
They provide a 24-hour emergency service 365 days a year. The contact                We will do our best to resolve any difficulty directly with you, but if we are
details are as follows:                                                              unable to do this to your satisfaction you may be entitled to refer any dispute
                                                                                     to the Financial Ombudsman Service who will review your case. This will
  Phone:       +44 (0) 1273 400 610                                                  not affect your right to take legal action against us. The address is:

               +44 (0) 1273 376 935                                                          The Financial Ombudsman Service
  Fax:
                                                                                             South Quay Plaza
  Email:       uk.assistance@travelguard.com                                                 183 Marsh Wall
                                                                                             London E14 9SR
Please advise the Medical Emergency Assistance Company that you have                         Phone: 0845 080 1800
arranged your insurance policy with Wizz Air and have the following                          E-mail: complaint.info@financial-ombudsman.org.uk
information available when you contact them so that your case can be dealt
with swiftly and efficiently:
    •    Your name and address;
                                                                                      GENERAL DEFINITIONS
    •    Your contact phone number abroad;                                           Wherever the following words or phrases appear in the policy wording they
    •    Your policy number shown on your certificate of insurance; and              will always have the meanings shown under them. Please also refer to the
                                                                                     section details on pages 6, 8 and 9 for further definitions.
    •    The name, address and contact phone number of your GP.
Please note: This is not a private medical insurance. If you go into hospital        Certificate of insurance
abroad and you are likely to be kept as an inpatient for more than 24 hours          The document showing details of the cover and which should be read with
or if your outpatient treatment is likely to cost more than £500, someone            this policy.
must contact the Medical Emergency Assistance Company for you
immediately. If they do not, we may provide no cover or we may reduce the            Channel Islands
amount we pay for medical expenses.                                                  Jersey, Guernsey, Alderney, Sark, Herm, Jethou, Brecqhou and Lihou.

                                                                                                                                                                       3
    Close business associate                                                          5. If you try to make a fraudulent claim or if any fraudulent means or
    Any employee whose level of responsibility in the business is such that if           devices are used when trying to make a claim, this policy may become
    both you and they were absent from the business for a period of ten full             void and the premium you have paid may be forfeited. Any benefits
    working days or more this would have a detrimental impact on the running             already paid to you must be repaid in full.
    of the business.                                                                  6. You must agree to have a medical examination if we ask. If you die, we
                                                                                         are entitled to have a post-mortem examination.
    Doctor
                                                                                      7. You must pay us back any amounts that we have paid to you which are
    A registered medical practitioner who is not you or related to you, who is
                                                                                         not covered by the insurance.
    currently registered with the General Medical Council in the United
    Kingdom (or foreign equivalent) to practice medicine.                             8. After a claim has been settled, any salvage you have sent into the Wizz
                                                                                         Air Claims Department will become our property.
    Home
    An insured person’s usual place of residence within the United Kingdom or
    Channel Islands.                                                                   GENERAL EXCLUSIONS
    Insured person                                                                    General exclusions apply to all sections of this policy. We will not cover the
    The person or persons shown on the certificate of insurance.                      following.

    Manual labour                                                                     1. Any claim arising as a result of the following.
    Work involving physical labour (which does not include office and clerical            a. The claim relates to a medical condition or an illness related to a
    work, bar and restaurant work, music performance and singing, or fruit                   medical condition which you or any person who your trip depends
    picking which doesn’t involve machinery).                                                on (this would include a relative or a close business associate) knew
                                                                                             about before you bought this insurance. If you are an Annual Multi-
    Pair or set of items                                                                     Trip policyholder, you must make sure you tell us about any change
    Items of personal property which are substantially the same, complementary               in the state of health of yourself, anyone travelling with you, a
    or designed to be used together.                                                         relative or close business associate occurring after you have bought
                                                                                             this policy but before you travel. Please refer to the Health
    Partner                                                                                  conditions section on page 2 for further details.
    A person who is either an insured person’s husband or wife, civil partner,            b. You are travelling against the advice of a medical practitioner.
    fiancé or fiancée, boyfriend or girlfriend and who permanently lives at the
    same address.                                                                         c. You are travelling with the purpose of receiving medical treatment
                                                                                             abroad.
    Policyholder                                                                          d. You or any person who your trip depends on are receiving or waiting
    The person who has paid for this policy and is shown on the certificate of               for hospital investigation or treatment for any undiagnosed condition
    insurance.                                                                               or set of symptoms at the time of taking out this insurance and/or at
                                                                                             the time of commencing travel.
    Relative
                                                                                          e. You or any person who your trip depends on have been given a
    Your or your partner’s parent, brother, sister, child, grandparent, grandchild,
                                                                                             terminal prognosis at the time of taking out this insurance and/or
    step-parent, step child, stepbrother, stepsister or next of kin.
                                                                                             before commencing travel.
    Trip                                                                              2. Any claim relating to an incident which you were aware of at the time
    Your holiday or journey starting from the time that you leave your home in           you took out this insurance and which could reasonably be expected to
    the United Kingdom or Channel Islands or from the start date shown on your           lead to a claim.
    certificate of insurance, whichever is the later, until arrival back at your      3. Any claim relating to any diagnosed psychological or psychiatric
    home address in the United Kingdom or Channel Islands.                               disorder, anxiety or depression which you or any person whose
    Valuables and electronic/other equipment                                             condition may give rise to a claim, have suffered from, required
                                                                                         medication for or needed treatment for in the two years before you
    Photographic, audio, video, electronic, electrical equipment (including cds,
                                                                                         bought this insurance.
    dvds, video and audio tapes and electronic games), MP3 players, computer
    equipment, binoculars, antiques, jewellery, watches, furs, silks, precious        4. You are not covered under this policy for any trip in, to or through the
    stones and articles made of or containing gold, silver or precious metals.           following countries: Afghanistan, Cuba, Liberia or Sudan.
                                                                                      5. You are not covered under this policy if you are on any official
    War                                                                                  government or police database of suspected or actual terrorists,
    Military action, either between nations or resulting from civil war or               members of terrorist organisations, drug traffickers or illegal suppliers of
    revolution.                                                                          nuclear, chemical or biological weapons.
    We, us, our                                                                       6. Any claim arising out of war, civil war, invasion, revolution or any
                                                                                         similar event.
    Wizz Air Limited as an appointed representative of Chartis Insurance UK
    Limited.                                                                          7. Any claim arising from civil riots, blockades, strikes or industrial action
                                                                                         of any type (except for strikes or industrial action which were not public
    You, your, yourself                                                                  knowledge when you booked your trip).
    An insured person.                                                                8. Loss or damage to any property, or any loss, expense or liability arising
                                                                                         from ionising radiation or contamination by radioactivity from any
                                                                                         nuclear fuel or from any nuclear waste from burning nuclear fuel or the
     GENERAL CONDITIONS                                                                  radioactive, toxic, explosive or other dangerous properties of any
                                                                                         explosive nuclear equipment or any part of it.
    The following conditions apply to all sections of this insurance.
                                                                                      9. Any claim if you already have a more specific insurance covering this
    1. You must tell us if you know about anything which may affect our                  (for example, if an item you are claiming for under section G1 (Personal
       decision to accept your insurance (for example, if you are planning to            belongings and baggage) is a specified item on your household contents
       take part in a dangerous activity while you are on holiday). If you are not       insurance policy).
       sure whether to tell us, let us know anyway.
                                                                                      10. Any claim arising from using a two-wheeled motor vehicle as a driver or
    2. You must take all reasonable steps to avoid or reduce any loss which               passenger if you are not wearing a crash helmet, or the driver does not
       may mean that you have to make a claim under this insurance.                       hold an appropriate driving licence.
    3. You must give the Wizz Air Claims Department all the documents they            11. Any indirect losses, costs, charges or expenses (meaning losses, costs,
       need to deal with any claim. You will be responsible for the costs                 charges or expenses which are not listed under the headings ‘What you
       involved in doing this. For example, in the event of a cancellation claim          are covered for’ in sections A to O, for example, loss of earnings if you
       you will need to supply proof that you were unable to travel, such as a            cannot work after you have been injured or the cost of replacement
       medical certificate completed by your doctor.                                      locks if your keys are stolen).
    4. You must help us get back any money that we have paid from anyone or           12. Any claim arising from the tour operator, airline or any other company,
       from other insurers (including the Department for Work and Pensions) by            firm or person becoming insolvent, or being unable or unwilling to fulfil
       giving us all the details we need and by filling in any forms.                     any part of their obligation to you.

4
13. Any claim arising as a direct result of the situation highlighted by the         What you are not covered for under section A
    Foreign and Commonwealth Office where you have travelled to a                    1. The excess of £50 which will apply for each trip that you have booked
    specific country or to an area where, prior to your trip commencing, the            and for each insured person.
    Foreign and Commonwealth Office have advised against all (but
    essential) travel.                                                               2. Cancelling your trip because of a medical condition or an illness related
                                                                                        to a medical condition which you knew about before you bought this
14. Any claim arising from you being involved in any deliberate, malicious,             insurance and which could reasonably be expected to lead to a claim.
    reckless, illegal or criminal act.
                                                                                        This applies to you, a relative, business associate or a person who you
15. Motor racing, rallying or vehicle racing of any kind.                               are travelling with, and any person you were depending on for the trip.
16. Any claim involving you taking part in manual labour or in any sport or          3. You not wanting to travel.
    activity unless the activity has been authorised by us. Please see the
                                                                                     4. Any extra costs resulting from you not telling the holiday company as
    Sports and activities section on page 2 for further details.
                                                                                        soon as you know you have to cancel your trip.
17. Any claim relating to winter sports unless you have paid the necessary
                                                                                     5. You being unable to travel due to your failure to obtain the passport or
    premium to extend your policy to provide cover for this.
                                                                                        visa you need for the trip.
18. Any claim arising from
                                                                                     6. Airport taxes and associated administration fees shown in the cost of
    •   your suicide or attempted suicide; or                                           your flights.
    •   you injuring yourself deliberately or putting yourself in danger             7. Costs which have been paid for on behalf of a person who has not taken
        (unless you are trying to save a human life).
                                                                                        out insurance cover with Wizz Air.
19. Any claim arising directly or indirectly from using alcohol or drugs
    (unless the drugs have been prescribed by a doctor) or you are affected          Claims evidence required for section A
    by any sexually transmitted disease or condition.
20. Any costs which you would have been liable to pay had the reason for                 •   Certificate of insurance
    the claim not occurred (for example, the cost of food which you would                •   Proof of travel cost (confirmation invoice, travel tickets, unused
    have paid for in any case).                                                              excursion, tour or activity tickets)
21. Any claim arising as a result of you failing to get the inoculations and             •   Cancellation invoice or letter confirming whether any refund
    vaccinations that you need.                                                              is due
22. Any claim arising from you acting in a way which goes against the                    •   A medical certificate which we will supply for your doctor to
    advice of a medical practitioner.                                                        complete
                                                                                         •   An official letter confirming: redundancy, emergency posting
 SECTIONS OF COVER                                                                           overseas, the need for you to remain in the United Kingdom
                                                                                         •   Summons for jury service

 SECTION A – CANCELLING YOUR TRIP
                                                                                     Please note: We may request other evidence to support your claim
What you are covered for under section A                                             dependent upon the circumstances.
We will pay up to £3,000 for:
    •   travel and accommodation expenses which you have paid or have                 SECTION B – MEDICAL AND OTHER EXPENSES
        agreed to pay under a contract and which you cannot get back;
                                                                                      OUTSIDE OF THE UNITED KINGDOM
    •   the cost of excursions, tours and activities which you have paid for
        and which you cannot get back; and                                           Please note: If you are admitted into hospital as an inpatient for more than
    •   the cost of visas which you have paid for and which you cannot get           24 hours someone must contact the Medical Emergency Assistance
        back.                                                                        Company on your behalf immediately (please see the Medical and other
Please note: If payment has been made using frequent flyer points, airmiles,         emergencies section on page 3 for further details).
loyalty card points or the like, settlement of your claim will be based upon
the lowest available published flight fare for the flight originally booked if       What you are covered for under section B
they are non-transferable.                                                           We will pay up to £200,000 for the necessary and reasonable costs as a
                                                                                     result of you becoming ill, being injured or dying during your trip. This
We will provide this cover if the cancellation of your trip is necessary and
                                                                                     includes:
unavoidable as a result of the following.
                                                                                     1. Emergency medical, surgical and hospital treatment and ambulance costs.
1. You dying, becoming seriously ill or being injured.
                                                                                     2. Up to £200 for emergency dental treatment as long as it is for the
2. The death, serious illness or injury of a relative, close business associate,
                                                                                        immediate relief of pain only.
   a person who you have booked to travel with or a relative or friend living
   abroad who you had planned to stay with. The incident giving rise to the          3. The cost of your return to the United Kingdom earlier than planned if this
   claim must have been unexpected and not something you were aware of                  is medically necessary and the Medical Emergency Assistance Company
   when you took out this insurance.                                                    approve this.
3. You being made redundant, as long as you are entitled to payment under            4. If you cannot return to the United Kingdom as you originally planned
   the current redundancy payments law and that, at the time of booking your            and the Medical Emergency Assistance Company approve this, we will
   trip, you had no reason to believe that you would be made redundant.                 pay for:
4. You or a person who you have booked to travel with being called for jury              •   Extra accommodation (room only) and travel expenses (economy
   service (and your request to postpone your service has been rejected) or                  class unless a higher grade of travel is confirmed as medically
   attending court as a witness (but not as an expert witness).                              necessary and authorised by the Medical Emergency Assistance
                                                                                             Company) to allow you to return to the United Kingdom; and
5. If the police or relevant authority need you to stay in the United Kingdom
   after a fire, storm, flood, burglary or vandalism to your home or place of            •   Extra accommodation (room only) for someone to stay with you and
   business within seven days before you planned to leave on your trip.                      travel home with you if this is necessary due to medical advice; or
6. If you are a member of the armed forces or police, fire, nursing or                   •   Reasonable expenses for one relative or friend to travel from the
   ambulance services which results in you having to stay in the United                      United Kingdom to stay with you (room only) and travel home with
   Kingdom due to an unforeseen emergency or if you are posted overseas                      you if this is necessary due to medical advice.
   unexpectedly.                                                                     5. Up to £5,000 for the cost of returning your body or ashes to the United
7. If after the time you booked your trip the Foreign and Commonwealth                  Kingdom or up to £2,000 for the cost of the funeral and burial expenses
   Office advises against all (but essential) travel to your intended destination.      in the country in which you die if this is outside the United Kingdom.
8. If you become pregnant after the date you arranged this insurance cover           Please note: If the claim relates to your return travel to the United Kingdom
   and you will be more than 26 weeks pregnant at the start of or during             and you do not hold a return ticket, we will deduct from your claim an
   your trip. Or, if you become pregnant after the date you arranged this            amount equal to your original carriers published one way airfare (based on
   insurance cover and your doctor advises that you are not fit to travel due        the same class of travel as that paid by you for your outward trip) for the
   to complications in your pregnancy.                                               route used for your return.

                                                                                                                                                                     5
    What you are not covered for under section B                                             •   travel and accommodation expenses which you have paid or have
    1. The excess of £50 for each insured person and for each incident. The                      agreed to pay under a contract and which you cannot get back;
       excess will be reduced to nil if your medical expenses have been                      •   the cost of excursions, tours and activities which you have paid for
       reduced by you using the European Health Insurance Card (please refer                     either before you left the United Kingdom or those paid for locally
       to the Health agreements section on page 2 for further details).                          upon your arrival overseas and which you cannot get back; and
    2. Any medical treatment that you receive because of a medical condition                 •   reasonable additional travel costs to return back to the United
       or an illness related to a medical condition which you knew about at the                  Kingdom if it is necessary and unavoidable for you to cut short
       time of taking out this insurance and/or at the time of commencing travel                 your trip.
       and which could reasonably be expected to lead to a claim.
                                                                                         Please note: If payment has been made using frequent flyer points, airmiles,
    3. Any costs relating to pregnancy, if you are more than 26 weeks pregnant           loyalty card points or the like, settlement of your claim will be based upon
       at the start of or during your trip.                                              the lowest available published flight fare for the flight originally booked if
    4. Any treatment or surgery which the Medical Emergency Assistance                   they are non-transferable.
       Company thinks is not immediately necessary and can wait until you
                                                                                         We will provide this cover if the cutting short of your trip is necessary and
       return to the United Kingdom. The decision of the Medical Emergency
                                                                                         unavoidable as a result of the following.
       Assistance Company is final.
                                                                                         1. You dying, becoming seriously ill or being injured.
    5. The extra cost of a single or private hospital room unless this is medically
       necessary.                                                                        2. The death, serious illness or injury of a relative, close business associate,
                                                                                            a person who you are travelling with or a relative or friend living abroad
    6. Any search and rescue costs (costs charged to you by a government,
       regulated authority or private organisation connected with finding and               who you are staying with.
       rescuing an individual. This does not include medical evacuation costs            3. If the police or relevant authority need you to return home to the United
       by the most appropriate transport).                                                  Kingdom after a fire, storm, flood, burglary or vandalism to your home
    7. Any costs for the following:                                                         or place of business.
        •   telephone calls (other than the first call to the Medical Emergency          4. If you are a member of the armed forces or police, fire, nursing or
            Assistance Company to notify them of the medical problem);                      ambulance services which results in you having to return home to the
                                                                                            United Kingdom due to an unforeseen emergency or if you are posted
        •   taxi fares (unless a taxi is being used in place of an ambulance to
                                                                                            overseas unexpectedly.
            take you to or from a hospital); or
        •   food and drink expenses (unless these form part of your hospital             What you are not covered for under section D
            costs if you are kept as an inpatient).                                      1. The excess of £50 for each insured person and for each incident.
    8. Any medical treatment and associated costs you have to pay when you               2. Cutting short your trip because of a medical condition or an illness
       have refused to come back to the United Kingdom and the Medical                      related to a medical condition which you knew about at the time of
       Emergency Assistance Company considered you were fit to return home.
                                                                                            taking out this insurance and/or at the time of commencing travel and
    9. Any treatment or medication of any kind that you receive after you return            which could reasonably be expected to lead to a claim. This applies to
       to the United Kingdom.                                                               you, a relative, business associate or a person who you are travelling
                                                                                            with, and any person you were depending on for the trip.
    Claims evidence required for section B
                                                                                         3. Any claims where the Medical Emergency Assistance Company have not
        •    Certificate of insurance                                                       been contacted to authorise your early return back to the United Kingdom.
        •    Proof of travel (confirmation invoice, travel tickets)                      4. You being unable to continue with your travel due to your failure to
        •    Invoices and receipts for your expenses                                        obtain the passport or visa you need for the trip.
                                                                                         5. The cost of your intended return travel to the United Kingdom if we have
    Please note: We may request other evidence to support your claim                        paid additional travel costs for you to cut short your trip.
    dependent upon the circumstances.                                                    Please note: We will calculate claims for cutting short your trip from the day
                                                                                         you return to the United Kingdom or the day you go into hospital as an
     SECTION C – HOSPITAL BENEFIT                                                        inpatient. Your claim will be based solely on the number of complete days
                                                                                         you have not used.
    What you are covered for under section C                                             If you have to cut short your trip and you do not return to the United
    We will pay a benefit of £10 for each complete 24-hour period that you are           Kingdom we will only be liable for the equivalent costs which you would
    kept as an inpatient, up to £500 in total if, after an accident or illness that is   have incurred had you returned to the United Kingdom.
    covered under section B (Medical and other expenses outside of the United
    Kingdom) of this insurance, you go into hospital overseas as an inpatient.           Claims evidence required for section D
    Please note: This benefit is only payable for the time that you are kept as an
    inpatient abroad and ceases if you go into hospital upon your return to the              •   Certificate of insurance
    United Kingdom. This amount is meant to help you pay any extra expenses                  •   Proof of travel cost (confirmation invoice, flight tickets)
    such as taxi fares and phone calls.
                                                                                             •   Invoices and receipts for your expenses
    Claims evidence required for section C                                                   •   An official letter confirming: the need for your return to the
                                                                                                 United Kingdom, emergency posting overseas
        •    Certificate of insurance
                                                                                         Please note: We may request other evidence to support your claim
        •    Proof of travel (confirmation invoice, travel tickets)
                                                                                         dependent upon the circumstances.
        •    Proof of your hospital admission and discharge dates and times

                                                                                          SECTION E1 – MISSED DEPARTURE
    Please note: We may request other evidence to support your claim
    dependent upon the circumstances.
                                                                                          DEFINITION RELATING TO THIS SECTION
     SECTION D – CUTTING YOUR TRIP SHORT                                                 Public transport
                                                                                         Bus, coach, ferry, sea vessel or train which operates according to a published
    Please note: If you need to return home to the United Kingdom earlier than           timetable.
    planned, you must contact the Medical Emergency Assistance Company
    immediately (please see the Medical and other emergencies section on                 What you are covered for under section E1
    page 3 for further details).                                                         We will pay up to £500 for the reasonable extra costs of travel and
                                                                                         accommodation you need to arrive at your booked holiday destination if you
    What you are covered for under section D                                             cannot reach the final international departure point on the outward or return
    We will pay up to £3,000 for:                                                        trip from or to the United Kingdom because:

6
    •   public transport services (please refer to the definition of ‘public       What you are not covered for under sections F1 and F2
        transport’ on the previous page) fail due to poor weather conditions,      1. The excess of £50 for each insured person and for each incident (this
        a strike, industrial action or mechanical breakdown; or                       only applies if you are claiming under section F2).
    •   the vehicle in which you are travelling is directly involved in an         2. Any claims where you have not checked in for your trip at the final
        accident or suffers a mechanical breakdown (this would not include            international departure point at or before the recommended time.
        your vehicle running out of fuel, oil or water or suffering a flat tyre,   3. Any claims where you have not obtained written confirmation from the
        puncture or flat battery).                                                    appropriate transport company or authority stating the reason for the
                                                                                      delay and how long the delay lasted.
 SECTION E2 - MISSED CONNECTION                                                    Claims evidence required for sections F1 and F2

What you are covered for under section E2                                              •   Certificate of insurance
We will pay up to £300 for the reasonable extra costs of travel and                    •   Proof of travel (confirmation invoice, flight tickets)
accommodation you need to enable you to continue with your pre-booked                  •   An official letter confirming the cause and length of the delay
journey in accordance with your itinerary should you miss a flight                     •   Official confirmation that your pre paid expenses cannot be
connection due to:                                                                         refunded (for claims under section F2)
    •   The airline with whom you are booked to travel being unable to
        deliver you in sufficient time to your connecting airport to meet your     Please note: We may request other evidence to support your claim
        connecting flight due to poor weather conditions, a strike, industrial     dependent upon the circumstances.
        action or mechanical breakdown.

What you are not covered for under sections E1 and E2                               SECTION G1 – PERSONAL BELONGINGS AND BAGGAGE
1. The excess of £50 for each insured person and for each incident.
                                                                                   What you are covered for under section G1
2. Any claims where you have not allowed enough time to reach your final
                                                                                   We will pay up to £1,000 for items which are usually carried or worn by
   booked international departure point at or before the recommended time.
                                                                                   travellers for their individual use during a trip. We will pay for items owned
3. Any claims where you have not obtained written confirmation from the            (not borrowed or rented) by you which are lost, stolen or damaged during
   appropriate transport company or authority stating the reason for the           your trip.
   delay and how long the delay lasted.
                                                                                   Please note:
4. Any claims relating to your own vehicle suffering a mechanical
                                                                                       •   Payment will be based on the value of the property at the time it was
   breakdown if you are unable to provide evidence that the vehicle was                    lost, stolen or damaged. An allowance may need to be made for
   properly serviced and maintained and that any recovery or repair was                    wear, tear and loss of value depending on the age of the property.
   made by a recognised breakdown organisation.
                                                                                       •   The maximum amount we will pay for any one item, pair or set of
Claims evidence required for sections E1 and E2                                            items is £150. Please refer to the definition of ‘pair or set of items’
                                                                                           on page 4.
    •   Certificate of insurance                                                       •   The maximum amount we will pay for valuables and
    •   Proof of travel (confirmation invoice, flight tickets)                             electronic/other equipment in total is £200. Please refer to the
                                                                                           definition of ‘valuables and electronic/other equipment ’ on page 4.
    •   Invoices and receipts for your expenses
                                                                                       •   The maximum we will pay for property which is lost or stolen from
    •   An official letter confirming the reason for your late arrival and
                                                                                           an unattended motor vehicle is £100 for each insured person as long
        the length of the delay
                                                                                           as the property was kept in a locked boot, a locked and covered
                                                                                           luggage compartment or a locked glove compartment and there is
Please note: We may request other evidence to support your claim
                                                                                           evidence of forced and violent entry to the vehicle.
dependent upon the circumstances.

                                                                                    SECTION G2 – DELAYED BAGGAGE
 SECTION F1 – TRAVEL DELAY
                                                                                   What you are covered for under section G2
Please note: You are entitled to claim under section F1 or F2 but not both
                                                                                   We will pay up to £135 for buying essential items if your baggage is delayed in
sections.
                                                                                   reaching you on your outward international journey for more than 24 hours.
What you are covered for under section F1                                          Please note: You must get written confirmation of the length of the delay
We will pay a benefit of £20 for every 12 hour period, up to £300 in total, if     from the appropriate airline or transport company and you must keep all
your final international departure from or to the United Kingdom by aircraft,      receipts for the essential items you buy.
sea vessel, coach or train is delayed for more than 12 hours due to poor           If your baggage is permanently lost we will take any payment we make for
weather conditions, a strike, industrial action or mechanical breakdown. We        delayed baggage from your overall claim for baggage.
will pay a benefit for each complete 12 hour period that you are delayed, as
long as you eventually go on the holiday.
                                                                                    SECTION G3 – PERSONAL MONEY

 SECTION F2 – ABANDONING YOUR TRIP                                                 What you are covered for under section G3
                                                                                   We will pay up to £500 for the loss or theft of the following if you can
What you are covered for under section F2                                          provide evidence you owned them and evidence of their value (this would
We will pay up to £3,000 if it is necessary for you to cancel your trip if your    include receipts, bank statements or cash-withdrawal slips):
final international departure from the United Kingdom by aircraft, sea vessel,         •   Cash; and
coach or train is delayed for more than 24 hours due to poor weather                   •   Travellers cheques (if these cannot be refunded by the provider).
conditions, a strike, industrial action or mechanical breakdown. We will pay
                                                                                   Please note: The maximum amount we will pay for cash carried by one
the following costs which you have already paid for and cannot get back:
                                                                                   person, whether jointly owned or not, is £250 (or £50 for children under 16
    •   travel and accommodation expenses;                                         years of age).
    •   excursions, tours and activities; and
    •   visas.                                                                      SECTION G4 – PASSPORT AND TRAVEL DOCUMENTS
Please note: If payment has been made using frequent flyer points, airmiles,
loyalty card points or the like, settlement of your claim will be based upon       What you are covered for under section G4
the lowest available published flight fare for the flight originally booked if     We will pay up to £200 for the cost of replacing the following items
they are non-transferable.                                                         belonging to you if they are lost, stolen or damaged during your trip:

                                                                                                                                                                     7
        •   Passport;
        •   Travel and admission tickets; and                                                   Please note: If you are unable to provide any of the reports
                                                                                                referred to above, you may still be eligible to make a claim
        •   Visas.                                                                              dependent upon the circumstances which have prevented you
    Please note: The cost of replacing your passport includes the necessary and                 from obtaining the necessary documentation. Please contact the
    reasonable costs you pay overseas associated with getting a replacement                     Wizz Air Claims Department to discuss why you have been
    passport to allow you to return back to the United Kingdom (this would                      unable to obtain the relevant reports and to obtain a claim form
    include travel costs to the local Embassy as well as the cost of the emergency              so your claim can be considered.
    passport itself). A claim for the lost or stolen passport would be calculated
    according to its expiry date – depending upon how many years there were             Please note: We may request other evidence to support your claim
    left to run on the original passport, an unused pro-rata refund would be made       dependent upon the circumstances.
    of its original value.
                                                                                        Important information:
    What you are not covered for under sections G1, G2, G3 and G4
    1. The excess of £50 for each insured person and for each incident (this                •   You must act in a reasonable way as if uninsured to look after
       does not apply if you are claiming under section G2 or G4).                              your property and not leave it unattended or unsecured in a
    2. Property you leave unattended in a public place.                                         public place;
    3. Any claim for loss or theft to personal belongings and baggage, personal             •   You must carry valuables and money with you when you are
       money or passports and travel documents which you do not report to the                   travelling. When you are not travelling, keep your money and
       police within 24 hours of discovering it and which you do not get a                      passport with you at all times or leave them in a locked safety
                                                                                                deposit box;
       written police report for.
                                                                                            •   You must report all losses, thefts or delays to the relevant
    4. Any claim for loss, theft, damage or delay to personal belongings and
                                                                                                authorities and obtain a written report from them within 24 hours
       baggage which you do not report to the relevant airline or transport
                                                                                                of the incident; and
       company within 24 hours of discovering it and which you do not get a
       written report for. In the case of an airline, a property irregularity report        •   You must provide the Wizz Air Claims Department with all the
       will be required. If the loss, theft or damage to your property is only                  documents they need to deal with your claim, including a police
                                                                                                report, a property irregularity report, receipts for the items being
       noticed after you have left the airport, you must contact the airline in
                                                                                                claimed as applicable.
       writing with full details of the incident within seven days of leaving the
       airport and get a written report from them.
    5. Any loss or theft of your passport which you do not report to the consular
       representative of your home country within 24 hours of discovering it
                                                                                         SECTION H – PERSONAL ACCIDENT
       and get a written report for.
    6. Any loss, theft or damage to valuables and electronic/other equipment             DEFINITIONS RELATING TO THIS SECTION
       which you do not carry in your hand luggage while you are travelling.
    7. Money, passports and travel documents which you do not carry with you            Accident
       unless they are being held in locked safety deposit facilities.                  A sudden, unexpected and specific event, external to the body, which occurs
                                                                                        at an identifiable time and place.
    8. Claims arising due to an unauthorised person fraudulently using your
       credit or debit cards.                                                           Loss of sight
    9. Claims where you are unable to provide receipts or other reasonable              Physical loss of one or both eyes or the loss of a substantial part of the sight
       proof of ownership wherever possible for the items being claimed.                of one or both eyes. A substantial part means that the degree of sight
    10. Breakage of fragile objects or breakage of sports equipment while being         remaining after the accident is 3/60 or less on the Snellen scale after
        used (unless your claim is for damage to winter sports equipment and the        correction with spectacles or contact lenses. (At 3/60 on the Snellen scale a
        appropriate premium for winter sports cover has been paid).                     person can see at 3 feet something that a person who has not suffered loss of
                                                                                        sight should be able to see at 60 feet.)
    11. Damage due to scratching or denting unless the item has become
        unusable as a result of this.                                                   Permanent total disablement
    12. Shortages due to variations in exchange rates.                                  The inability of an insured person to continue in any occupation for which
                                                                                        they are fitted by way of training, education or employment which in all
    13. If your property is delayed or held as a result of Customs, the police or
                                                                                        probability will continue for the rest of their life.
        other officials legally holding it.
    14. Loss of jewellery (other than wedding rings) while swimming or taking           What you are covered for under section H
        part in dangerous activities.                                                   We will pay up to £10,000 to you or your executors or administrators if you
    15. Losses caused by mechanical or electrical breakdown or damage caused            are involved in an accident during your trip which solely and independently
        by leaking powder or fluid carried within your baggage.                         of any other cause results in one or more of the following within 12 months
                                                                                        of the date of the accident.
    16. Loss, theft or damage to contact or corneal lenses, sunglasses,
        prescription glasses or spectacles, dentures, hearing aids, artificial limbs,       •   Complete loss of limb (meaning permanent loss by physical
        paintings, household equipment, mobile phones, bicycles and their                       separation at or above the wrist or ankle or permanent and total loss
        accessories, motor vehicles and their accessories, marine craft and                     of use of a limb). A limb means an arm, hand, leg or foot;
        equipment or items of a perishable nature (meaning items that can decay             •   Loss of sight in one or both eyes;
        or rot and will not last for long, for example, food).                              •   Permanent total disablement; or
                                                                                            •   Death.
    Claims evidence for sections G1 to G4
                                                                                        Please note: We will only pay for one personal accident benefit for each
                                                                                        insured person during the period of insurance shown on your certificate of
        •    Certificate of insurance
                                                                                        insurance.
        •    Loss or theft of property or money – police report
                                                                                        If you are under 16 years of age a reduced benefit of £1,000 will apply.
        •    Loss, theft or damage by an airline – property irregularity report,
             flight tickets and baggage check tags                                      What you are not covered for under section H
        •    Delay by an airline – written confirmation of the length of delay          1. Any claim arising from illness which develops or worsens during your
             from the airline, flight tickets, baggage check tags, receipts for            trip and results in your death or disablement.
             emergency purchases
                                                                                        Claims advice for section H
        •    Loss or theft of a passport – police report, consular report, receipts
             for additional expenses to get a replacement passport overseas
                                                                                            •   Please phone the Wizz Air Claims Department on 0845 603 9892
        •    Proof of value and ownership for property and money                                to ask for advice


8
                                                                                  6. The costs of following up a claim for bodily injury, loss or damage
 SECTION I – PERSONAL LIABILITY                                                      caused by or in connection with your trade, profession or business,
                                                                                     under contract or arising out of you possessing, using or living on any
What you are covered for under section I                                             land or in any buildings.
We will pay up to £1,000,000 if, within your trip, you are legally liable
                                                                                  7. Any claims arising out of you owning, possessing or using mechanically-
for accidentally:
                                                                                     propelled vehicles, watercraft or aircraft of any description, animals,
    •    injuring someone; or                                                        firearms or weapons.
    •    damaging or losing someone else’s property.                              8. Any claim reported more than 180 days after the incident took place.

What you are not covered for under section I                                      Important information:
1. The excess of £150 for each insured person and for each incident.
2. Any liability arising from an injury or loss or damage to property:                •   We will have complete control over any legal representatives
    a. owned by you, a member of your family or household or a person                     appointed and any proceedings;
       you employ; or                                                                 •   You must follow our advice or that of our agents in handling any
    b. in the care, custody or control of you or of your family or household              claim; and
       or a person you employ.                                                        •   You must get back all of our expenses where possible. You must
3. Any liability for death, disease, illness, injury, loss or damage:                     pay us any expenses you do get back.

    a. to members of your family or household, or a person you employ;
    b. arising in connection with your trade, profession or business;             Claims advice for section J
    c. arising in connection with a contract you have entered into;
                                                                                      •   Please phone the Wizz Air Claims Department on 0845 603 9892
    d. arising due to you acting as the leader of a group taking part in an               to ask for advice as soon as you need to make a claim
       activity;
    e. arising due to you owning, possessing, using or living on any land or
       in buildings, except temporarily for the purposes of the trip; or           SECTION K – HIJACK
    f.   arising due to you owning, possessing or using mechanically-
         propelled vehicles, watercraft or aircraft of any description, animals   What you are covered for under section K
         (other than horses, domestic cats or dogs), firearms or weapons.         We will pay a benefit of £30 for every 24 hour period, up to £1,000 in total,
                                                                                  if the aircraft or sea vessel in which you are travelling is hijacked for more
Important information:                                                            than 24 hours.
                                                                                  Please note: You must get written confirmation from the appropriate
    •    You must give the Wizz Air Claims Department notice of any
                                                                                  transport company stating how long the hijack lasted.
         cause for a legal claim against you as soon as you know about it,
         and send them any documents relating to a claim;                         Claims evidence required for section K
    •    You must help the Wizz Air Claims Department and give them all the
         information they need to allow them to take action on your behalf;           •   Certificate of insurance
    •    You must not negotiate, pay, settle, admit or deny any claim                 •   Proof of travel (confirmation invoice, flight tickets)
         unless you get the Wizz Air Claims Department’s permission in
                                                                                      •   An official letter confirming the length of the hijack
         writing; and
    •    We will have complete control over any legal representatives
                                                                                  Please note: We may request other evidence to support your claim
         appointed and any proceedings, and we will be entitled to take
                                                                                  dependent upon the circumstances.
         over and carry out in your name your defence of any claim or to
         prosecute for our own benefit any claims for indemnity, damages
         or otherwise against anyone else.                                         WINTER SPORTS COVER

Claims advice for section I                                                       Please note: The following sections only apply if you have paid the
                                                                                  appropriate premium for winter sports cover and this is shown on your
                                                                                  certificate of insurance.
    •    Do not admit liability, offer or promise compensation
    •    Give details of your name, address and travel insurance
    •    Take photographs and videos, and get details of witnesses if you can      DEFINITIONS RELATING TO WINTER SPORTS COVER
    •    Tell the Wizz Air Claims Department immediately about any
         claim that is likely to be made against you and send them all the        Winter sports
         documents that you receive                                               Bigfoot skiing, cat skiing or boarding, cross country skiing, glacier skiing,
                                                                                  glacier walking (up to 4,000 metres), heli-skiing, ice hockey, ice skating, kite
                                                                                  snowboarding, langlauf, mono skiing, off piste skiing or snowboarding
                                                                                  (except in areas considered to be unsafe by resort management), skiing, ski
 SECTION J – LEGAL EXPENSES                                                       mountaineering, ski randonee, ski touring, snowboarding, speed skating and
                                                                                  tobogganing.
What you are covered for under section J
We will pay up to £10,000 for legal costs and expenses arising as a result of     Winter sports equipment
dealing with claims for compensation and damages resulting from your              Skis, poles, ski boots and bindings, ski helmets, snowboards, snowboard
death, illness or injury during your trip.                                        boots and bindings.

What you are not covered for under section J
1. The excess of £150 for each insured person and for each incident.
                                                                                   SECTION L1 – WINTER SPORTS EQUIPMENT
2. Any claim which we have not agreed to accept beforehand in writing.            What you are covered for under section L1
3. Any claim where we or our legal representative believe that an action is       We will pay up to £300 for winter sports equipment owned or hired by you
   not likely to be successful or if we believe that the costs of taking action   which is lost, stolen or damaged during your trip.
   will be greater than any award.                                                Please note:
4. The costs of making any claim against us, our agents or representatives, or        •   An allowance will be made for wear, tear and loss of value on claims
   against any tour operator, accommodation provider, carrier or any person               made for winter sports equipment owned by you as follows.
   who you have travelled with or arranged to travel with.                                Up to 12 months old – 90% of the purchase price
5. Any fines, penalties or damages you have to pay.                                       Up to 24 months old – 70% of the purchase price

                                                                                                                                                                     9
             Up to 36 months old – 50% of the purchase price
                                                                                         SECTION M – SKI PACK
             Up to 48 months old – 30% of the purchase price
             Up to 60 months old – 20% of the purchase price                            What you are covered for under section M
             Over 60 months old – 0%                                                    We will pay up to £150 for the unused percentage of your ski pack which
                                                                                        you have already paid for and cannot get back if you become ill or are
         •   The maximum amount we will pay for any one item, pair or set of
                                                                                        injured during your trip and cannot take part in the winter sports activities as
             items is £150. Please refer to the definition of ‘pair or set of items’    planned. A ski pack includes ski school fees or ski tuition fees, your lift pass
             on page 4.                                                                 and winter sports equipment that you have hired.
         •   You must bring any damaged winter sports equipment you own back            Please note: Your claim will be based on the number of complete days you
             to the United Kingdom for inspection.                                      have not used. You must get written confirmation of the nature of your illness
                                                                                        or injury from the treating doctor in the resort along with confirmation of
                                                                                        how many days you were unable to ski.
      SECTION L2 – WINTER SPORTS EQUIPMENT HIRE
                                                                                        Claims evidence required for section M
     What you are covered for under section L2
                                                                                            •    Certificate of insurance
     We will pay up to £15 for every 24 hour period, up to £200 in total, for the
                                                                                            •    Proof of travel (confirmation invoice, travel tickets)
     cost of hiring winter sports equipment if winter sports equipment owned
                                                                                            •    Invoices and receipts for your prepaid ski pack
     by you is:
                                                                                            •    An official letter from the treating doctor in the resort to confirm
         •   delayed in reaching you on your outward international journey for                   your inability to take part in the planned winter sports activities
             more than 12 hours; or
         •   lost, stolen or damaged during your trip.                                  Please note: We may request other evidence to support your claim
                                                                                        dependent upon the circumstances.
     Please note: You must keep all receipts for the winter sports equipment that
     you hire. You must bring any damaged winter sports equipment back to the
     United Kingdom for inspection.                                                      SECTION N – PISTE CLOSURE
                                                                                        Please note: This section only applies between 1 December and 15 April for
                                                                                        travel to the Northern hemisphere or between 1 May and 30 September for
      SECTION L3 - LIFT PASS
                                                                                        travel to the Southern hemisphere.
     What you are covered for under section L3                                          What you are covered for under section N
     We will pay up to £100 for the loss or theft of your lift pass. Claims would       We will pay up to £20 for every 24 hour period, up to £200 in total if, as a result
     be calculated according to the expiry date of the lift pass – depending upon       of not enough snow, too much snow or high winds in your booked holiday
     how many days there were left to run on the original lift pass, an unused pro-     resort, all lift systems are closed for more than 12 hours. We will pay for either:
     rata refund would be made of its original value.                                       •   the cost of transport to the nearest resort; or
                                                                                            •   a benefit for each complete 24-hour period that you are not able to
     What you are not covered for under sections L1, L2 and L3                                  ski and there is no other ski resort available.
     1. The excess of £50 for each insured person and for each incident (this           Please note: You must get written confirmation from the management of the
        does not apply if you are claiming under section L2).                           resort stating the reason for the closure and how long the closure lasted.
     2. Any claim for loss or theft which you do not report to the police within        Claims evidence required for section N
        24 hours of discovering it and which you do not get a written police
        report for.                                                                         •    Certificate of insurance
     3. Any claim for loss, theft, damage or delay to winter sports equipment               •    Proof of travel (confirmation invoice, flight tickets)
        which you do not report to the relevant airline or transport company                •    An official letter confirming the cause and length of the closure
        within 24 hours of discovering it and which you do not get a written                •    Receipts for your travel expenses if you travel to the nearest resort
        report for. In the case of an airline, a property irregularity report will be
        required. If the loss, theft or damage to your winter sports equipment is       Please note: We may request other evidence to support your claim
        only noticed after you have left the airport, you must contact the airline      dependent upon the circumstances.
        in writing with full details of the incident within seven days of leaving
        the airport and get a written report from them.                                  SECTION O – AVALANCHE COVER
     4. Winter sports equipment you have left unattended in a public place
        unless the claim relates to skis, poles or snowboards and you have taken        What you are covered for under section O
        all reasonable care to protect them by leaving them in a ski rack between       We will pay up to £100 for the necessary and reasonable travel and
                                                                                        accommodation expenses that you pay or agree to pay overseas if you are
        8am and 6pm.
                                                                                        prevented from arriving at or leaving your booked ski resort for more than 12
     5. Claims where you are unable to provide receipts or other reasonable             hours from the scheduled arrival or departure time because of an avalanche.
        proof of ownership wherever possible for the items being claimed.               Please note: You must get written confirmation from the appropriate
                                                                                        authority stating the reason for the delay and how long the delay lasted.
     Claims evidence required for sections L1 to L3
                                                                                        What you are not covered for under section O
         •   Certificate of insurance                                                   1. The excess of £50 for each insured person and for each incident.
         •   Loss or theft – police report
                                                                                        Claims evidence required for section O
         •   Loss, theft or damage by an airline – property irregularity report,
             flight tickets and baggage check tags                                          •    Certificate of insurance
         •   Delay by an airline – written confirmation of the length of delay              •    Proof of travel (confirmation invoice, flight tickets)
             from the airline, flight tickets, baggage check tags, receipts for the
                                                                                            •    An official letter confirming the cause and length of the delay
             hire of winter sports equipment
                                                                                            •    Invoices and receipts for your extra travel and accommodation
         •   Proof of value and ownership
                                                                                                 expenses

     Please note: We may request other evidence to support your claim                   Please note: We may request other evidence to support your claim
     dependent upon the circumstances.                                                  dependent upon the circumstances.

10
SUMMARY OF IMPORTANT CONTACT DETAILS

Helpline prior to travel
Phone: 0207 954 7898
E-mail: wizzairuktravelinsurance@chartisinsurance.com
Phone lines are open Monday to Friday between 9am
and 5pm

Medical Assistance – Travel Guard
Phone: +44 (0) 1273 400 610
Fax: +44 (0) 1273 376 935
Phone lines are open 24 hours a day, 7 days a week

Claims – Wizz Air Claims Department
Travel Guard, PO Box 60108, London SW20 8US
Phone: 0845 603 9892
Fax: 01273 376 935
E-mail: uk.claims@travelguard.com
The claims department are open Monday to Friday
between 9am and 5pm

Wizz Air
Website to arrange bookings with Wizz Air –
www.wizzair.com




                                                        AHT0239 [WIZZ AIR STANDALONE POLICY WORDING] DEC 09
                                                                                                              11

				
DOCUMENT INFO