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cover4travel TRAVEL INSURANCE 2008

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					                  cover4travel TRAVEL INSURANCE 2008                                                                           Significant Exclusions and Limitations                                                                       Policy Reference
                                       POLICY SUMMARY                                                                          Pre-Existing Medical Conditions
                                       Some important facts about Your insurance are summarised below. This summary            Restrictions in cover apply if a claim is made relating to a medical condition which is in existence prior Sections 2, 3 & 4
                                       does not describe all the terms and conditions of Your policy, so please take time to   to purchasing Your insurance and before You travel. It is very important that You refer to the advice
                                       read the policy document to make sure You understand the cover it provides.             on page 1 of Your policy. If You have any conditions to disclose You must call 0844 5734171.
                                       Insurer: AXA Insurance UK plc.                                                          Medical Treatment
                                       This policy is designed to offer protection for Your travel arrangements as described   In the event of any illness, injury or accident where costs are likely to exceed £300 or if You are
                                       in this policy summary.                                                                 admitted to hospital as an in-patient You must contact Primary Assist.                                     Sections 2, 3 & 4
                                                                                                                               If the cost of Your medical treatment is reduced by use of Your EHIC, Medicare or any other similar
SUMMARY OF COVER, LIMITS AND EXCESSES - COVER AND LIMITS ARE PER PERSON, UNLESS OTHERWISE                                      reciprocal agreement, the Excesses under Section 3 will not be applied.
                                                          SPECIFIED
                                                                                                                               Hazardous Holiday Activities & Dangerous Pursuits                                                            See Meaning of
                         (Sub limits may apply - please refer to policy section for full details)                              You may not be covered if You are planning to take part in dangerous sports or activities.                   Words on page 4 of
 This is to certify that We, in consideration of the premium specified on Your schedule, agree to indemnify You on this        Wintersports will only be covered if You have paid the appropriate premium. Please refer to the policy       Your policy for the
                                            Certificate of Insurance in respect of:                                            wording and call 0845 218 7171.
                                                                                                                               If Your activity does not appear on the list of Acceptable Sports & Leisure Activities, it is not covered.   list of Acceptable
Description of Cover                         Policy Limit - Up to:                        Excess                               However, We may be able to cover Your activity upon payment of an additional premium. Please call            Sports & Leisure
                                                                                                                               TPS (Insurance Admin Services) Ltd on 0845 218 7171 to discuss Your requirements.                            Activities
1. Personal Accident
i. Loss of one or more eyes or limbs         i. £25,000 (£2,500 for Children and          Nil                                   Personal Property & Personal Money
                                                                                                                                Cover does not apply on a new for old basis. Deductions will be made where wear and tear has
ii. Permanent Total Disablement              Adults aged 65 and over)                                                           occurred.
iii. Death                                   ii. £25,000 (Nil for Children and                                                  Cover is only provided up to the maximum amounts specified for individual items, pairs or sets,    Sections 9, 10 & 11
                                             £2,500 for adults aged 65 and over)                                                valuable items and cash. The policy wording provides full details of these limits.
                                             iii. £10,000 (£1,000 for Children and                                              The maximum payment for any item where proof of purchase and value is not available is limited to
                                             £2,500 for adults aged 65 and over)                                                £50, subject to a maximum of £200 in total.
                                                                                                                               Age Limit
2. (a) Hospital Benefit                      (a) £20 per 24 hours - Up to £600            (a) Nil                              The maximum age of any Insured Person outside Europe will be 69 and 79 for travel within Europe, at See Meaning of
   (b) Return to Home                        (outside UK)                                 (b) £35 per person, £70 per          the date of departure or your trip.                                                                 Words
                                             (b) £3,500                                   Family                               Children/Grandchildren are separately insured.                                                      Page 3
3. (a) Medical Expenses                      (a) £5,000,000 (outside the UK)              £35 per person or £70 per            Close Relative
   (b) Additional Expenses                   (b) £2,000 (within the UK)                   Family                               Means Your spouse, partner, fiancé(e), parent, parent-in-law, step-parent, son, son-in-law, step-son, See Meaning of
4. Loss of Deposit, Cancellation or          (i) £5,000 for Cancellation and              £35 per person or £70 per            daughter, daughter-in-law, step-daughter, grandparent, grandson, granddaughter, brother, brother-in- Words
                                                                                                                               law, step-brother, sister, sister-in-law or step-sister.                                              Page 3
Curtailment                                  Curtailment                                  Family
                                             (ii) £5,000 for additional expenses          £15 per person or £70 per            Family
                                             following Curtailment                        Family for loss of deposit           Family policies provide cover in respect of a maximum two parents or grandparents and their Children See Meaning of
                                                                                          £50 per person or £100 per           or Grandchildren. Cover for families shall apply where the appropriate premium has been paid and Words
                                                                                          Family for all claims arising from   where the Family members travel together. Adults insured on an annual multi-trip policy are entitled to
                                                                                          a medical condition                  travel independently of each other. Cover for Children/Grandchildren will only be provided if travelling Page 3
                                                                                                                               with an insured adult and all travellers are named on the policy schedule.
5. Catastrophe Benefit                       £750                                         Nil
                                             £100 (per household) & 3 hours labour        Nil                                  Residency                                                                                                See Important
6. HomePlan
                                                                                                                               To be eligible for this insurance policy, you must be a resident of the United Kingdom and registered Points to Help You
7. Delayed Travel                                                                                                              with a Medical Practitioner in the United Kingdom at the time the policy is purchased.                   - Page 1 and
   (i)     Holiday Abandonment               (i) £5,000                                   (i) £35 per person or £70 per
                                                                                                                                                                                                                                        Meaning of Words
   (ii)    Delayed Travel Benefit            (ii) £400                                        Family
                                                                                                                                                                                                                                        'You, Your(s),
                                                                                          (ii) Nil
                                                                                                                                                                                                                                        Insured Person' -
8. Missed Departure                          £600 (UK and European Holidays)              Nil                                                                                                                                           Page 3
                                             £1,000 (outside UK and Europe)                                                    This Insurance covers Holidays of up to 31 days duration, other than Wintersports Holidays, where cover is limited to a
9. Personal Property                         £1,750                                       £35 per person or £70 per            maximum of 17 days.
                                             Single article limit £300, Valuables limit   Family
                                             £200, spectacles and prescription                                                 CANCELLATION RIGHT
                                                                                                                               We hope You are happy with the cover this policy provides. However, You have the right to cancel it within 14 days of receiving
                                             sunglasses up to £75)                                                             the policy. See the enclosed policy document and the section headed "Premium Refund Guarantee". Please note that this right
10. Personal Money                           £500 (£250 for Children)                     £35 per person or £70 per            does not apply if Your policy is a short term insurance of less than one month in duration.
                                             Cash Limit £250 (£50 for Children)           Family                               MAKING A CLAIM
11. Wintersports                                                                                                               If You have a claim, please telephone Us on 0845 2187185 as soon as possible to tell Us about it.
i. Owned Wintersports Equipment              i. £350                                      £35 per person or £70
                                                                                          per Family
                                                                                                                               HOW TO MAKE A COMPLAINT
ii. Hired Wintersports Equipment             ii. £20 per person per day (up to £250)                                           We hope You will be pleased with the service we provide. However, if You have a complaint about Our service or about a claim,
iii. Replacement Equipment                   iii. £150                                    Nil for items iii and v              please call Us on 0845 218 7171. If You are still not satisfied, please write to Our Managing Director at:
iv. Ski Pack                                 iv. £20 per person per day (up to £200)                                           The Managing Director,
v. Piste Closure                             v. £200                                                                           TPS (Insurance Admin Services) Ltd,
vi. Delay Due to Avalanche                                                                                                     Claims Department,
                                                                                                                               PO BOX 132,
12. Optional Golf Cover*                                                                                                       Leeds,
i. Golf Equipment                            i. £1,500 (single article limit £300)        £35 per person or £70 per            LS10 9BT.
ii. Golf Equipment Hire                      ii. £20 per 24 hours (up to a maximum of     Family                               Email: complaints@tpsltd.com
                                                                                          Nil for items ii and iii             If You are still not happy with the response You have received, You have the right to ask the Financial Ombudsman Service to
iii. Golfing Fees                                £200)                                                                         review Your case.
                                             iii. £75 per day (up to a maximum of
                                                  £300)
                                                                                                                               COMPENSATION SCHEME
                                                                                                                               In the event that AXA Insurance UK plc is unable to meet their liabilities, You may be entitled to compensation from the
13.   Delayed Baggage                        £125 per 24 hours - Up to £250               Nil                                  Financial Services Compensation Scheme (FSCS).
14.   Passport / Driving Licence Indemnity   £500                                         Nil
15.   Personal Liability                     £2,000,000                                   Nil                                  Further information can be found in Your policy under the "Compensation Scheme".
16.   Legal Expenses                         £25,000                                      Nil