INSURANCE SUMMARY 2016:
Tangney Tours Ltd are an Appointed Representative of Global Travel Insurance Services Ltd who are authorised and regulated by the Financial Conduct Authority. This insurance is underwritten by
URV, Branch Office of Union Reiseversicherung AG for the United Kingdom. Union Reiseversicherung AG are authorised in Germany by BaFin and regulated in the United Kingdom by the Financial Conduct Authority and are members of the Financial Services Compensation Scheme. Administered in the United Kingdom and Ireland by Travel Insurance Facilities plc who are regulated by the Financial Conduct Authority.
This insurance has been specifically designed so that it covers all of the holidays that we feature, protecting you in full if you have to cancel and providing you with the very best and most effective
protection if you are unfortunate enough to require medical attention whilst away from home. Don’t take unnecessary risks by insuring your travel anywhere else as we cannot accept any
responsibility or provide assistance if problems arise as a result of inadequate cover. We are confident that this policy is best for you. A full policy wording will be sent to you with your
confirmation of booking. Full details are also available upon request.
This insurance is only available to persons who are permanently resident and domiciled in the UK and is valid for travel between 01/01/2016 and 30/12/2016
Insurance Product Suitability
This insurance is suitable for persons whose Demands and Needs are those of a traveller whose Individual round trip starts and finishes in the UK and is of no more than 90 days duration, and is
a permanent resident of the United Kingdom. As this description contains the Key Features of the cover provided it constitutes provision of a statement of demands and needs.
If you would like more information or are unsure of any details contained herein, you should ask Global Travel Insurance Services Ltd for further advice.
Summary of Cover
Main policy limits only, please see the policy document for other limits that may apply.
Cancellation or Curtailment up to £3,000: If you have to cancel or cut short your trip due to illness, injury, redundancy, jury service, the police requiring you to remain at or return to your
home due to serious damage to your home, you are covered against loss of travel and accommodation costs.
Personal Accident up to £15,000: A cash sum for accidental injury resulting in death, loss of sight, loss of limb or permanent total disablement.
Medical & Other Expenses up to £5,000,000: Including 24 HOUR MEDICAL EMERGENCY SERVICE.
a. The cost of hospital and other emergency medical expenses incurred abroad, including additional accommodation and repatriation expenses. Limit £250 for emergency dental treatment
and £5,000 burial/cremation/transfer of remains. Limit £2,500 for transfer of remains to your home if you die in the UK.
b. Hospital Benefit up to £300: An additional benefit of £15 per day for each day you spend in hospital abroad as an in-patient.
Personal Luggage, Money & Valuables up to £2,000: Covers accidental loss, theft or damage to your personal luggage subject to a limit of £200 for any one article, pair or set and an overall limit
of £200 for valuables such as cameras. Jewellery, furs, etc. Luggage and valuables limited to £1500. Delayed luggage, up to £75. Money, travel tickets and travellers cheques are covered up to £500 against accidental loss or theft (cash limit £250).
No cover is provided for loss or theft of unattended property, valuables or money or for loss or theft not reported to the Police within 24 hours of discovery.
Passport Expenses up to £200: If you lose your passport or it is stolen whilst abroad you are covered for additional travel and accommodation costs incurred in obtaining a replacement.
Delayed Departure up to £60: If your outward or return trip is delayed for more than 8 hours at the final departure point to/from UK due to adverse weather conditions, mechanical breakdown or
industrial action, you are entitled to £20 for the first 8 hours and £10 for each further 12 hours delay up to a maximum of £60.
Personal Liability up to £2,000,000: Covers your legal liability for injury or damage to other people or their property, including legal expenses (subject to the laws of England and Wales).
Cancellation or Curtailment: The first £50 of each and every claim per Insured Person claimed for under this Section is excluded, increased to £100 where You are aged 66 to 75 years and to £150 where You are aged 76 and over.
Medical and Other Expenses: The first £50 of each and every claim per Insured Person claimed for under this Section is excluded.
Where You are aged 66 to 75 years the first £100 of each and every claim per Insured Person claimed for under this Section is excluded.
Where You are aged 76 years and over the first £200 of each and every claim per Insured Person claimed for under this Section is excluded.
No excess will apply if you use an EHIC to pay for medical expenses.
Other Sections: An excess of £50 applies to each and every claim each insured person under the Personal Luggage Money & Valuables and Delayed Departure (b) sections, and £250 under the
Personal Liability section.
There is no requirement for You to disclose any pre existing health conditions. In place of a “health screening system” We have introduced for all Insured Persons the following conditions. You must
also refer to the Exclusions in Sections 1, 2 and 3.
1. No Trip is booked or undertaken against medical advice or for the purpose of obtaining medical treatment.
2. If Your health changes after the date of issue of Your policy You must contact Us to make sure that Your cover is not affected..
3. If You have a medical condition, You must obtain at least verbal confirmation from Your usual General Medical Practitioner that there is no reason why You should not travel.
4. If You suffer from a terminal illness or any psychiatric illness, special provision is made to provide limited cover as follows if You are travelling to Lourdes.
a. Under Section 3 Medical & Other Expenses, cover will be provided to You subject to You
i. Having obtained and supplied to Us Your EHIC details prior to departure.
ii. Having obtained and supplied to Us prior to departure written confirmation of fitness to undertake the intended journey having due consideration for Your state of health, means of transportation and duration of journey from Your regular registered Medical Practitioner.
iii. For Terminal Illness, having obtained prior to departure and supplied to Us written confirmation of a prognosis greater than 28 days on the intended date of return to the UK.
b. A limit of £5,000 shall apply in respect of any Repatriation Expenses.
c. The Hospital Benefit section of the policy is inoperative.
d. The Cancellation & Curtailment section is inoperative.
e. The Policy Excess applying to the Medical and Other Expenses sections is increased to £1,500 reduced to £500 where an EHIC is utilised.
There is a 24-hour emergency assistance service included in the policy so that any insured person may seek assistance in medical emergencies whilst on holiday. Full details are contained in the
Main Health Exclusions
We will not pay for claims arising directly or indirectly from the following circumstances existing on the date of applying for this insurance:
a. From any terminal illness suffered by You (or any person upon whose health the Trip depends). See Special Provision for Sick Pilgrims above
b. From any reoccurrence of any psychiatric disorder, anxiety state and/or depression suffered by You (or any person upon whose health the Trip depends)
c. Where You are travelling against the advice of a Medical Practitioner.
Insurance Product Disclosure
Cancellation Rights: The Insurer provides a Money Back Guarantee enabling you to cancel the insurance within 14 days of issue should the policy not meet your requirements. No refund of
premium is provided for cancellations after this time.
Claims: Claims are handled by Travel Claims Facilities who act on behalf of the Insurers and not the customer in relation to any claim. The telephone number is: 01732 853 361.
General Queries: If you have any query regarding the cover provided you must contact Global Travel Insurance on 01903 235042 for advice.
Applicable Law: The law applicable to this insurance contract is English Law.
Complaints: If you wish to register a complaint about our service please contact us in writing at the above address. If you cannot settle your complaint with us, you may be entitled to refer it to
the Financial Ombudsman Service.
Financial Security: These insurance arrangements are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we
cannot meet our financial obligations although this depends on the type of business and the circumstances of the claim. Insurance advising and arranging is covered up to 90% of the claim,
without any upper limit. Further information about compensation scheme arrangements is available from the FSCS.