AIB Holiday Travel Insurance - Policy Document
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AIB Holiday Travel Insurance Policy Document
Contents 04 Key benefits 05 The information you provide 05 Important information about COVID-19 06 PART I 06 1.1 Definitions 08 1.2 Holidays covered 09 1.3 Holidays not covered 09 1.4 Persons insured 10 1.5 When cover operates for a holiday 10 1.6 Claims conditions 10 1.7 Making a claim 11 1.8 Health declaration 12 PART II 12 1. Medical emergency and referral services 13 2. Non-insured facilitation services 15 PART III 15 Section 1. Cancellation, curtailment or rearrangement 16 Section 2. Travel delay 17 Section 3. Missed departure 17 Section 4. Compassionate return 18 Section 5. Pet care 18 Section 6. Personal accident 19 Section 7. Medical and additional expenses 21 Section 8. Hospital benefit 21 Section 9. Personal property 24 Section 10. Money 25 Section 11. Loss of passport / driving license expenses 26 Section 12. Hijack 26 Section 13. Personal liability 28 Section 14. Overseas legal advice and expenses 31 Section 15. Winter sports 32 Section 16. Car Hire Excess Cover 35 PART IV 35 4.1 General exclusions 37 4.2 General conditions 38 4.3 Claim provisions 39 4.4 Ending or changing your cover 40 4.5 Automatic ending of cover 41 Complaints procedures 41 European Online Dispute Resolution Platform
Welcome to your AIB Holiday Travel Insurance PLEASE NOTE: Terms in bold have meanings given to them in the Definitions Sections which appear in Parts I and III of the Policy. AIB Holiday Travel Insurance This is Your Holiday Travel Insurance Policy which, together with Your Policy Schedule and the information supplied in Your application, is a contract between You and Us. Please check both carefully to be sure that cover meets Your needs. If You have any questions, please contact Us on 1800 242467. In return for payment of the premium, We agree to insure the You during the Period of Insurance in the manner and to the extent provided, and subject to the Policy Terms, Conditions and Exclusions. The Policy Schedule shows the cover You have chosen and the Policy Document shows the most We will pay for each benefit. Michael Delaney Head of General Insurance AIB Insurance Services Limited AIB | Holiday Travel Insurance | 06/21 3
Key benefits
This is a summary table of cover and full terms and conditions are contained in the
policy wording.
Section Benefit Amounts / Limit of Liability Excess
applicable per person applicable
per person
1. Cancellation, Curtailment
Up to: €3,000 €65
& Rearrangement
2. Travel Delay For the first full 12 hours delay : €25
(Holidays Abroad Only) For each subsequent full 12 hours delay : €10
Up to : €150 Nil
3. Missed Departure
Up to : €500 €65
(Holidays Abroad Only)
4. Compassionate return
Up to €300 Nil
5. Pet Care Fees -
Up to : €150 Nil
(Holidays Abroad Only)
6. Personal Accident If you are aged If you are
aged under 16* 16* or over
1. Death; or €2,500 €30,000
2. Loss of sight; or €2,500 €30,000 Nil
3. Loss of limb; or €2,500 €30,000
4. Permanent total disability €2,500 €30,000
*at the time of the physical injury
7. Medical and Additional 1. A. Medical expenses : Unlimited €65
Expenses B. Emergency repatriation expenses : Unlimited
(Holidays Abroad Only) 2. Accompanying traveller expenses : Unlimited €65
3. Cremation, burial or transportation charges up to: €10,000 €65
4. Emergency dental treatment up to : €300 €65
8. Hospital Benefit
€25 for each full 24 hours you remain a €500 Nil
(Holidays Abroad Only)
hospital in patient, up to :
9. Personal Property 1. Loss, damage or theft €65
Repair and replacement costs – up to : €500
Single article limit : €250
Valuables in total : €250
2. Delayed baggage – up to : €100 Nil
3. mobility aid lost / damaged: €500
4. Essential Medication Courier Costs – up to : €300
10. Money Money
If you are aged under 16*in total – up to : €50
If you are aged 16* or over in total – up to : €500 €65
*at the time of loss or theft
11. Loss of Passport/Driving
Up to : €500 Nil
Licence Expenses
4 AIB | Holiday Travel Insurance | 06/21Section Benefit Amounts / Limit of Liability Excess
applicable per person applicable
per person
12. Hijack
€50 for each full 24 hours you are held hostage €500 Nil
(Holidays Abroad Only)
– up to :
13. Personal Liability Up to : €2,500,000 Nil
14. Overseas Legal Advice &
Expenses Up to : €30,000 Nil
(Holidays Abroad Only)
Important information about of assets, claims history) where this is
COVID-19 relevant to the risk We are insuring,
This Policy does not cover and We will services We are providing or to a claim
not (under any sections) pay for Claims You are reporting.
of any kind directly or indirectly arising
from, relating to or in any way connected We are part of a global group, and Your
with the Coronavirus Disease 19 (COVID- personal information may be shared with
19) (or any mutation or variation thereof) Our group companies in other countries
and / or its outbreak. This exclusion as required to provide coverage under
applies to all sections of cover except Your policy or to store Your information.
for Section 7 – Medical Expenses and We also use a number of trusted service
Repatriation provided You are not providers, who will also have access to
travelling in, to or through any area to Your personal information subject to
which the Department of Foreign Affairs Our instructions and control.
has allocated a security status of ‘Avoid
non-essential travel’ or ‘Do not travel’. To You have a number of rights in
the extent that any term or condition in relation to Your personal information,
the Policy may be inconsistent with this including rights of access and, in certain
exclusion, this exclusion shall prevail. circumstances, erasure.
This section represents a condensed
The information You provide explanation of how We use Your personal
We use personal information which information. For more information, We
You supply to Us in order to write and strongly recommend You read Our user-
administer this Policy, including any friendly Master Privacy Policy, available
claims arising from it. here: https://www.chubb.com/ie-en/
footer/privacy-policy.aspx. You can
This information will include basic contact ask Us for a paper copy of the Privacy
details such as Your name, address, and Policy at any time, by contacting Us at
policy number, but may also include mailto:dataprotectionoffice.europe@
more detailed information about You chubb.com.
(for example,Your age, health, details
AIB | Holiday Travel Insurance | 06/21 5PART I a) under 18 years old (or under 23 years
old if still in full-time education) on the
1.1 Definitions date You purchase cover; and
The following words and phrases will b) dependent on You or Your Partner
always have the same special meaning even if he or she does not live with
wherever they appear in the Policy in either of You; and
bold type and starting with a capital c) unmarried.
letter. Additional Definitions appear in
specific sections or Part III. Chubb Assistance
The third Party provider with whom We
€ have contracted to provide;
euro a) The telephone advice, information
and counselling services; and or
Abroad b) the travel assistance and emergency
outside Ireland. medical and repatriation services.
Accident Claim(s)
a sudden identifiable violent external single loss or a series of losses Due To
event that happens by chance and which one cause covered by this Policy.
could not be expected; or, unavoidable
exposure to severe weather conditions. Doctor
a Doctor or specialist, registered or
Cancellation, Curtailment and licensed to practise medicine under the
Rearrangement Costs laws of the country in which they practise
costs for unused travel and/or who is neither:
accommodation (including ski hire, ski 1. a Person Insured; or
school and ski lift passes) which a Person 2. a relative of a Person Insured unless
Insured has paid or is contracted to pay approved by Us.
and which cannot be recovered from
any other source. Curtailment costs Due To
include reasonable additional travel and directly or indirectly caused by, arising or
accommodation expenses provided that: resulting from, in connection with.
a) such travel is of a standard no greater
than the class of transport on the Europe
outbound journey; and Andorra, Austria, Belarus, Belgium,
b) the standard of accommodation is not Bosnia-Herzegovina, Bulgaria, Canary
superior to that of the Journey. Islands, Channel Islands, Croatia, Czech
Republic, Denmark, Estonia, Finland,
Child, Children France, Germany, Greece, Hungary,
Your offspring and the offspring of Your Iceland, Ireland (annual cover only)
Partner, extending to include a step child Isle of Man, Italy, Latvia, Liechtenstein,
or children and a legally adopted child or Lithuania, Luxembourg, Macedonia,
children, each of whom must be: Madeira, Mediterranean Islands
6 AIB | Holiday Travel Insurance | 06/21(including Majorca, Menorca, Ibiza, son-in-law, daughter-in-law, sister-in-
Corsica, Sardinia, Sicily, Malta, Gozo, law, brother-in-law, aunt, uncle, nephew,
Crete, Rhodes and other Greek Islands, niece or anyone noted as next of kin on
Republic of Cyprus), Moldova, Monaco, any legal document.
Morocco, Netherlands, Norway, Poland,
Portugal, Romania, Russian Federation Ireland; Irish
(West of Urals), Serbia and Montenegro, the island of Ireland and its islands except
Slovakia, Slovenia, Spain, Sweden, Northern Ireland; pertaining to Ireland.
Switzerland, Tunisia, Turkey, Ukraine,
United Kingdom and Vatican City. Parent or Legal Guardian
Albania, although in Europe, is excluded. A person with parental responsibility,or a
legal guardian, both being in accordance
Excess with Irish Law.
the first €65 of any Claim which each
Person Insured must pay except for; Partner
a) a loss of deposit only Claim when the a. Your spouse; or
Excess is the first €10 of any Claim; or b. someone of either sex with whom
b) a Claim for medical and additional You have been living with for 3
expenses in European Union months as though they were Your
countries when there is no Excess spouse or civil partner.
where a reduction is obtained using a
European Health Insurance Card. Period of Insurance
Annual multi-trip
Hijack period of cover between and inclusive of
the unlawful seizure or taking control of the dates shown as Effective From: and
an aircraft or other means of transport in To: on the Policy Schedule commencing
which the Person Insured is travelling as at 00.01 or any later time the Policy
a passenger. Schedule is issued on the earlier date
shown and finishing at 24.00 on the later
Hijackers date shown.
the perpetrators of a Hijack.
Single trip
Holiday, Holidays period of cover commencing at 00.01
trip(s) devoted entirely to pleasure, rest, or any later time the Policy Schedule is
or relaxation, where travel begins and issued and ending either when You arrive
ends in Ireland. at Your return destination in Ireland, or
at the end of the trip duration shown
Immediate Family Member on Your Policy Schedule, whichever is
Your Partner or fiancé(e) or Your or Your sooner. Dates refer to Local Standard
Partner’s child (including fostered and Time at Your address as shown in the
adopted children), brother, sister, parent, Policy Schedule.
grand-parent, grandchild, stepbrother,
step-sister, step-parent, parent-in-law,
AIB | Holiday Travel Insurance | 06/21 7Person(s) Insured Travelling Companions
You, Your Partner and Child(ren) if they friends, associates or companions
are shown as insured on the Policy accompanying You on a Holiday.
Schedule.
War
Public Transport armed conflict between nations, invasion,
an air, land or water vehicle operated act of foreign enemy, civil war, hostilities
under licence for the transport of fare- (whether war be declared or not),
paying passengers. rebellion, revolution, insurrection, military
or usurped power.
Rearrangement Costs
In the event of a Cancellation of a We, Us, Our
Holiday(s), the additional costs incurred in Chubb European Group SE; of or
excess of the Cancellation costs which a pertaining to Chubb European Group SE.
Person Insured has paid or is contracted
to pay in re-arranging a Holiday(s). Winter Sports
Rearrangement costs include reasonable skiing on-piste, and off-piste when
additional travel and accommodation accompanied by or under the instruction
expenses provided that: of a qualified local guide, tobogganing,
a) such travel is of a standard no greater snow boarding and ice skating (other
than the class of transport on the than on an indoor rink) but excluding
outbound journey; and competitive winter sports (including,
b) the standard of accommodation is but not limited to, ski or ski bob racing,
not superior to that of the Holiday(s). mono skiing, ski jumping, ski boarding,
The rearrangement of a Holiday(s) ice hockey, or the use of bobsleighs or
has to booked and fully paid no later skeletons).
than 6 months after the original date
of Commencement of the Cancelled You; Your
Holiday(s). the Policyholder shown in the Policy
Schedule; of or pertaining to the
Sedgwick Policyholder shown in the Policy
Sedgwick Travel Claims, Merrion Hall Schedule.
Strand Road, Sandymount, Dublin 4.
Specially Designated List 1.2 Holidays covered
means names of a person, entities, The type of Policy You have chosen,
groups, corporate specified on a list single trip or annual multi-trip, is shown
who are subject to as trade or economic on the Policy Schedule.
sanctions or other such similar laws
or regulations of the United States of A. Single trip Policy
America , United Nations, European A single trip Policy covers a Holiday
Union or United Kingdom. Abroad only, during the Period of
Insurance. Winter Sports cover is
8 AIB | Holiday Travel Insurance | 06/21included if shown as covered on the d. involving travel to areas where
Policy Schedule. the Department of Foreign Affairs
allocates a security status of ‘Avoid
B. Annual multi-trip Policy non-essential travel’ or ‘Do not travel’.
An annual multi-trip Policy covers all If You are not sure whether there is a
Holidays during the Period of Insurance travel warning for Your destination,
provided they meet the following please check their website www.dfa.
conditions: ie.
i. no individual Holiday Abroad
continues for more than 31
consecutive days; and 1.4 Persons Insured
ii. no more than 90 days in total are There is no insurance under the policy
spent on Holidays Abroad in any unless all of the following conditions are
Period of Insurance; and met:
iii. each Holiday in Ireland includes at A. each Person Insured must be resident
least 2 nights spent in accommodation in Ireland for a minimum of 180 days
that is booked before the Holiday per calendar year;
begins. B. Children travelling without You or
iv. Up to 21 days Winter Sports cover is Your Partner will only be insured
included in any Period of Insurance, under a family annual multi-trip Policy,
if shown as covered on the Policy and then only if they are travelling:
Schedule. i) in the company of an adult (i.e.
someone not defined as a Child
under this policy) You or Your
1.3 Holidays not covered Partner know, or on an organised
We will not cover any Holiday school, college or university trip;
a. which involves You travelling ii) as an unaccompanied minor on
specifically to obtain medical, dental a scheduled air service which
or cosmetic treatment; operates an unaccompanied minor
b. when You have been advised not to scheme, and then only if they
travel by Your Doctor or You have are travelling with the intention
received a terminal prognosis; of joining, or being subsequently
c. where, on the date it is booked joined by, another adult insured
(or commencement of the Period under this Policy.
of Insurance if later), You or Your
Travelling Companion are aware
of any reason why it might be
cancelled or Curtailed, or any other
circumstance that could reasonably
be expected to result in a Claim under
this Policy;
AIB | Holiday Travel Insurance | 06/21 91.5 When cover operates for a 1.6 Claims Conditions
Holiday We have the right to refuse to pay any
Insurance cover for Cancellation Claim if:
under Part III Section 3 – Cancellation, A. You make a fraudulent
Curtailment and Rearrangement begins: misrepresentation when answering
A. Annual Multi-Trip: when a Holiday Our questions. You have a duty to
is booked, if this Policy is in force at answer honestly and with reasonable
the time of booking (refer to Policy care all questions posed by Us; or
schedule for dates of cover). B. the Claim is Due To any reason
B. Single Trip: when You purchase this specified as not being covered in Your
Policy. Policy Schedule under the Section
C. Insurance under all other Sections entitled “Your declaration to us”.
operates for a Holiday that takes
place during the Period of Insurance
and includes travel directly to and 1.7 Making a claim
from the home of each Person A. Medical emergency only
Insured provided the return home is Please contact Chubb Assistance on +353
completed within 24 hours of: (0)1 440 1762. See also Part II 1 and Part
i. return to Ireland; or III Section 7 MEDICAL AND ADDITIONAL
ii. departure from pre-booked EXPENSES. Contacting Us first may delay
accommodation following a treatment.
Holiday within Ireland which is
covered under an annual multi-trip B. Other Claims
Policy. Sedgwick Travel Claims
If the return of a Person Insured from Merrion Hall
a Holiday is unavoidably delayed Due Strand Road
To a Claim, he or she will continue Sandymount
to be insured without any additional Dublin 4
premium for the period of the delay.
D. If there is a change to this Policy it T 1800 719 420
will begin on the Effective From date or +353 (0)1 440 1757
shown on the subsequent Policy F +353 (0)1 661 5249
Schedule that is issued to record the (09.00-17.00 Mon - Friday)
change in cover. E travel@ie.sedgwick.com
E. Dates refer to Local Standard Time at W https://aib.chubbinsured.com/
Your address as shown in the Policy
Schedule. To make a Claim please phone or write to
Sedgwick Travel Claims within 30 days
of the incident, or as soon as possible
afterwards and provide Your name,
address and Policy number. You can print
off and use a claim form from the Web
Site at www.aib.ie/travel
10 AIB | Holiday Travel Insurance | 06/21Reporting lost or stolen property in Your Policy Schedule under the section
A. money, valuables or Personal Property entitled “Your Declaration to Us”. We
You must notify the local Police within also told You that You need to be able to
24 hours of discovery and provide Us provide this confirmation before You book
with a copy of their written report. any Holiday, and that if You can’t, You
B. travellers’ cheques must contact Us.
You must notify the local branch or
agent of the issuing company.
C. any property lost or stolen from a
hotel
You must notify the hotel
management (in addition to the
local Police).
1.8 Health Declaration
Please read the following carefully as it
may affect the cover We provide and Your
ability to Claim under Your Policy.
No person to be insured:
i. is receiving or on a waiting list for
treatment in a hospital or nursing
home;
ii. is waiting for investigation or referral,
or the results of any investigation,
medical treatment or surgical
procedure, for any condition, whether
diagnosed or undiagnosed
iii. is choosing not to take prescribed
medication, or the correct dose of
prescribed medicine;
iv. is travelling against the advice of a
medically qualified Doctor;
v. is travelling to obtain medical, dental
or cosmetic treatment;
vi. is travelling with a terminal condition;
vii. is due to give birth within 12 weeks of
the date the trip ends.
At the time You applied for this Policy,
You confirmed the above statements We
asked You to confirm, and which appear
AIB | Holiday Travel Insurance | 06/21 11PART II A. Medical Referral
provision of the names and addresses
1. Medical emergency and referral of local Doctors, hospitals, clinics and
services dentists when consultation or treatment
IMPORTANT: This is not Private Medical is required, arrangements for a Doctor
Insurance. If You require medical to call, and, if necessary, for a Person
treatment You must contact Chubb Insured to be admitted to hospital.
Assistance immediately. If You do not do
this, We may reject Your Claim or reduce B. Repatriation
its payment. if the Doctor appointed by Chubb
Assistance believes treatment in Ireland
If You require medical treatment in is preferable, transfer will be arranged by
Australia You must access the benefits regular scheduled transport services, or
provided under the reciprocal health care by air or road ambulance services if more
agreement between the Australian and urgent treatment and/or specialist care is
Republic of Ireland governments. If You required during the journey.
do not do this, We may reject Your Claim
or reduce its payment. C. Payment of Bills
If a Person Insured is admitted to hospital
Chubb Assistance Abroad, the hospital or attending
Medical Emergency and Referral / Doctor(s) will be contacted and payment
Non-Insured Facilitation Services : of their fees up to the Policy limits will
be guaranteed so a Person Insured does
T +353 (0) 1 440 1762 not have to make the payment from their
own funds.
Assistance services are only available
during a Holiday Abroad. Chubb D. Drug Replacement
Assistance will provide a Person Insured assistance with the following:
with the following services, in an i. replacement of lost drugs or other
emergency, when he or she is on Holiday essential medication; or
Abroad. Please make sure You have ii. lost or broken prescription glasses
details of this Policy, including the Policy or contact lenses, which are
number and Period of Insurance when a unobtainable Abroad
call is made. iii. sourcing and delivery of compatible
blood supplies
If the Policy covers a service or item under Chubb Assistance will not pay for the
any of the Sections in Part III (e.g. medical replacement costs of any item or the costs
expenses if You have to consult a Doctor) of sourcing and delivering blood supplies.
You will be able to recover the payment. E. Transmission of urgent messages
to relatives or business associates
You must contact Chubb Assistance
before incurring any costs covered under F. Unsupervised Children
this Section. i. organisation of an accompanying
12 AIB | Holiday Travel Insurance | 06/21Child’s return home, with a suitable B. Message Relay
escort when necessary, if the Child transmission of urgent messages to
is left unsupervised because You or relatives or business associates if
Your Partner (if shown as insured on medical or travel problems disrupt a
the Policy Schedule) are hospitalised Holiday travel schedule.
or incapacitated.
ii. medical advice and monitoring, until C. Tracing Personal Property
You or Your Partner returns home, if tracing and re-delivery of Personal
a Child who has been left in Ireland Property that has been lost or
becomes ill or suffers injury. misdirected in transit if the Carrier has
failed to resolve the problem. (PLEASE
2. Non-insured facilitation services NOTE: the Person Insured must have
Chubb Assistance will provide a Person his or her Personal Property tag number
Insured with the following services, in an available).
emergency, when he or she is on Holiday
Abroad. D. Replacement Travel Documents
assistance with the replacement of lost or
You will be responsible for paying fees stolen tickets and travel documents, and
and charges for non-insured facilitation referral to suitable travel offices. Chubb
services provided e.g. You will be Assistance will not pay for any item.
responsible for paying a translator for
his or her services, but You will not be E. Lost Credit Cards
charged by Chubb Assistance for locating giving advice on how to contact the
the translation service appropriate Card Issuers if credit or
charge cards are lost or stolen. Data
A. Transfer of Emergency Funds Protection legislation prevents Chubb
transfer of emergency funds up to €250 Assistance from contacting the Card
per trip if access to normal financial/ Issuers directly.
banking arrangements is not available
locally. F. Emergency Translation Facility
a translation service if the local provider
In order to reimburse Chubb Assistance, of an assistance service does not speak
the Person Insured must authorise English.
Chubb Assistance to debit his or her
credit or charge card with the amount G. Legal Help
of the transfer, or make alternative referral to a local English-speaking
arrangements to deposit the funds in Lawyer, Embassy or Consulate if legal
Chubb Assistance’s account in the UK. advice is needed, and arrangement of
If the emergency transfer is necessitated payment of reasonable emergency legal
by theft or loss of personal money, a expenses or bail, against a guarantee of
Claim may be made under the Policy. repayment.
AIB | Holiday Travel Insurance | 06/21 13H. Unsupervised Children, on a Holiday PART III
and at home
i. organisation of an accompanying SECTION 1. Cancellation,
Child’s return home, with a suitable Curtailment or Rearrangement
escort when necessary, if the Child Maximum payable €3,000 per Person
is left unsupervised because You or Insured
Your Partner (if shown as insured on
the Policy Schedule) are hospitalised A. Cover
or incapacitated. We will pay Cancellation, Curtailment or
ii. medical advice and monitoring, until Rearrangement Costs up to €3,000 if it
You or Your Partner return home, if becomes necessary to cancel, curtail or
a Child who has been left in Ireland rearrange a Holiday Due To:
becomes ill or suffers injury. i. the death, serious injury, sudden
illness or complications in pregnancy
(as diagnosed by a Doctor who
specialises in obstetrics) of the Person
Insured, his or her Immediate Family,
Travelling Companions or any person
on whom the Holiday depends;
ii. the compulsory quarantine on
the order of a treating Doctor of
the Person Insured or a Travelling
Companion
provided that such Cancellation,
Curtailment or Rearrangement is
confirmed as medically necessary by the
treating Doctor;
iii. a Public Transport being cancelled or
curtailed because of adverse weather,
industrial action, strike, riot, civil
commotion or mechanical breakdown
or derangement;
iv. jury service or subpoena of a
Person Insured or hijacking of the
conveyance in which he or she is
travelling;
v. unemployment of a Person Insured
which qualifies for payment under
any applicable statute;
vi. serious damage making a Person
Insured’s home uninhabitable;
vii. the presence of a Person Insured
being required by the Police following
14 AIB | Holiday Travel Insurance | 06/21a burglary or attempted burglary at occupation would normally require a
his or her home. Court attendance;
viii. civil commotion in any country vi. if a Person Insured was unemployed
included in the itinerary of the or knew they might become
Holiday. unemployed at the time a booking
was made;
B. Exclusions vii. if any other adverse financial situation
(General Exclusions apply as well) necessitates cancellation, curtailment
We will not pay; or rearrangement of a Holiday;
i. Cancellation, Curtailment or viii. the Excess;
Rearrangement where such ix. additional travel and accommodation
Cancellation, Curtailment or expenses for Curtailment and
rearrangement has not been Rearrangement Costs where
confirmed as medically necessary by the means of transport and/or
a Doctor; accommodation used is of a standard
ii. Cancellation, Curtailment or superior to that of the outbound
Rearrangement Costs where journey or Holiday;
such Cancellation, Curtailment or x. any loss, charge or expense Due To:
rearrangement results from a medical a) a delay in notifying the tour
condition affecting You or Your operator, travel agent, or transport
Immediate Family if: or accommodation provider that it
a. The condition was diagnosed is necessary to cancel a booking;
before You bought this Policy; and b) disinclination to go on a Holiday;
b. At the time You bought this Policy, or
the diagnosed condition could c) prohibitive regulations by any
reasonably have been expected to government or public authority;
result in d) civil commotion known to have
i. death, serious injury or sudden been in existence at the time the
illness Holiday was booked or at the time
ii. or a sudden deterioration in You purchased the policy
health. xi. a charge or expense paid for or
NOTE: This exclusion applies to to be discharged with any kind of
Immediate Family even if they are not promotional voucher;
insured on the policy. xii. if You, or any other Person Insured
iii. if a strike or industrial action is public were aware of any reason, either at
knowledge when this Policy is taken the time a Holiday was booked or at
out or a Holiday is booked; the time You purchased the Policy,
iv. if an aircraft, sea vessel or train is why that Holiday might have to be
withdrawn from service on the orders cancelled;
of the recognised regulatory authority xiii. Any costs of excursions, tours and
in any country; activities.
v. if a Person Insured is called as
an expert witness or if his or her
AIB | Holiday Travel Insurance | 06/21 15SECTION 2. Travel delay b) provide Us with written details
Maximum payable €150 / €3,000 per from the airline, shipping
Person Insured company, coach or train operators
describing the length of, and
Cover under this Section does not apply reason for, the delay;
to a Holiday in Ireland. iv. if an aircraft, sea vessel, coach
or train is taken out of service on
A. Cover the instructions of a Civil Aviation
If a Person Insured is delayed for at Authority, Port Authority or similar
least 12 hours on the outbound or return authority;
journey because the scheduled departure v. if a strike or industrial action could be
of Public Transport is affected by a reasonably expected when a Holiday
strike, riot or civil commotion, industrial is booked;
action, adverse weather, mechanical vi. a charge or expense paid for or
breakdown/derangement, or grounding to be discharged with any kind of
of an aircraft due to mechanical or promotional voucher;
structural defect, We will pay: vii. any costs of excursions, tours and
i. a €25 benefit for the first full 12 hours activities.
delay and a €10 benefit for each
subsequent full 12 hours delay up to a
maximum benefit of €150; or SECTION 3. Missed departure
ii. up to €3,000 for Cancellation, Maximum payable €500 per Person
Curtailment or Rearrangement Costs Insured
if a Holiday is abandoned after a
delay of at least 24 hours of the Cover under this Section does not apply
scheduled departure from Ireland. to a Holiday in Ireland.
B. Exclusions A. Cover
(General Exclusions apply as well) We will pay:
We will not pay: up to €500 for necessary and reasonable
i. the Excess if a Holiday is abandoned; accommodation and travel expenses to
ii. additional travel and accommodation enable a Person Insured to reach his or
expenses for Curtailment or her scheduled destination if he or she
Rearrangement Costs where arrives too late at the airport, sea port,
the means of transport and/or coach or train station to commence a
accommodation used is of a standard booked journey from or to Ireland Due
superior to that of the outbound To:
journey or Holiday; i. the car he or she is using for travel
iii. if a Person Insured does not: breaking down or being involved in
a) check-in before the scheduled an accident; or
departure time shown on his or ii. the Public Transport he or she is using
her travel itinerary; or for travel failing to arrive on schedule.
16 AIB | Holiday Travel Insurance | 06/21B. Exclusions A. Cover
(General Exclusions apply as well) We will pay Compassionate Return
We will not pay: costs up to the amount specified above
i. accommodation and travel expenses if a Person Insured wishes to return to
where the means of transport and/or Ireland on compassionate grounds due
accommodation used is of a standard to the:
superior to that of the booked journey i. death as a direct result of an
or Holiday; Accident or sudden and unexpected
ii. if the Person Insured does not provide deterioration in health of;
original written: ii. serious injury caused by Accident
(a) evidence from a motoring and resulting in hospital confinement
organisation or garage that the car expected to last seven consecutive
used for travel is roadworthy and days or more of;
properly maintained; or iii. the sudden and unexpected
(b) details from the operators of the deterioration of health resulting
Public Transport used for travel of in hospitalisation and terminal
the length of, and reason for, the prognosis, expected to result in
delay; death prior to the Person Insured’s
iii. the Excess; scheduled date of return to Ireland of;
iv. if the Person Insured has not allowed a close friend, immediate neighbour or
sufficient time for the journey; member of the Person Insured’s family;
v. for a missed departure caused by provided that where a claim is covered
strike, industrial action, riot or civil under both this Section and Section 1.
commotion that could be reasonably CANCELLATION, CURTAILMENT OR
expected when the Holiday was REARRANGEMENT as a result of the
booked. same cause or event, We will deduct
any amount payable under Section 1.
CANCELLATION, CURTAILMENT OR
SECTION 4. Compassionate REARRANGEMENT from any amount
return payable under this Section.
Maximum payable €300 per Person
Insured B. Exclusions
(General Exclusions apply as well)
NOTE: Where cover applies under We will not pay Compassionate Return
both this section and Section 1 costs where the cause of the Person
CANCELLATION, CURTAILMENT OR Insured returning to Ireland is the death
REARRANGEMENT, We will reduce or hospitalisation of any person that, at
any payment under this section by the the time of departing on Holiday, the
amount paid under Section 1). Person Insured knew:
i. had received a terminal prognosis; or
Cover under this Section only applies to ii. was seriously ill or injured and
Holidays Abroad. bedridden or, in hospital, nursing
home or care home; or
iii. was not expected to survive until after
AIB | Holiday Travel Insurance | 06/21 17the Person Insured returned from the italic type and commence with a capital
Holiday. letter: Additional Definitions appear in
specific sections and General Definitions
detailed in PART I apply as well.
SECTION 5. Pet care
Maximum payable €150 per Person Bodily Injury
Insured physical injury which is caused by an
Accident and which independently of any
Cover under this Section only applies to other cause within 24 months of the date
Holidays Abroad. of the Accident directly results in death,
Loss of Sight, Loss of Limb or Permanent
A. Cover Total Disability.
If a Person Insured is injured or becomes
ill during a Holiday Abroad, and is; Loss of Limb
i. delayed from returning to Ireland as amputation or total and permanent loss
a direct result of their being a hospital of use of one or more hands at or above
in-patient during a Holiday. the wrist or of one or more feet above
ii. is repatriated to Ireland and directly the ankle (talo-tibial joint).
admitted to hospital as an in-patient.
and has a valid Claim under Part III Loss of Sight
Section 7 MEDICAL AND ADDITIONAL 1. in both eyes - when the Person
EXPENSES, for such Medical or Insured’s name has been added to
Repatriation costs, We will reimburse the the NCBI register of Blind Persons on
Person Insured for additional pet care the authority of a qualified ophthalmic
fees incurred up to a maximum of €150 specialist.
for each Holiday. 2. in one eye - when the degree of sight
remaining after correction is 3/60
B. Exclusions or less on the Snellen Scale (which
(General Exclusions apply as well) means the Person Insured is only
We will not pay pet care fees for able to see at 3 feet that which they
time spent by a Person Insured in an should normally be able to see at 60
institution not recognised as a hospital in feet) and We are satisfied that the
the country of treatment. condition is permanent and without
expectation of recovery.
SECTION 6. Personal accident Permanent Total Disability
Maximum payable €30,000 per Person a disability which has lasted for at least
Insured 12 months from which We believe the
Person Insured will never recover and
DEFINITIONS which stops the Person Insured from
The following words and phrases will carrying out gainful employment of any
have the same special meaning in this and every kind.
Section wherever they appear in bold
18 AIB | Holiday Travel Insurance | 06/21A. Cover and Norway) We advise You to obtain a
If a Person Insured receives a Bodily European Health Insurance Card (EHIC) to
Injury during a Holiday We will pay up to: take with You when You travel. For more
i. €30,000 for death; or information about the EHIC, contact Your
ii. €30,000 for Loss of Sight or Loss of local Post Office or the Department of
Limb; or Health:
iii. €30,000 for Permanent Total
Disability. Department of Health and Children
50-58, Miesian Plaza
B. Exclusions Baggot St. Lower
(General Exclusions apply as well) Dublin
We will not pay: DO2 XWI4
i. more than €2,500 if the Person health.gov.ie
Insured is under 16 years of age at the
time of the Bodily Injury; Please visit website below for further
ii. more than one benefit for the same information website: https://www2.hse.
Bodily Injury; ie/services/ehic/ehic.html
iii. if death, loss or disability is Due To a
disease or any physical defect, injury A. Cover
or illness which existed before the If a Person Insured is injured or
Holiday. becomes ill (including becoming ill
Due to complications of pregnancy (as
diagnosed by a Doctor who specialises
SECTION 7. Medical and in obstetrics) provided that if travelling
additional expenses within 12 weeks of the expected date
Maximum payable per Person Insured - of delivery the Person Insured provides
unlimited a medical certificate - which must be
dated no earlier than 5 days before the
Cover under this Section does not apply outbound travel date - issued by a Doctor
to a Holiday in Ireland. or midwife confirming the number of
weeks of pregnancy and that they are fit
See Part II for services provided by Chubb to travel) during a Holiday Abroad, We
Assistance which are relevant to this will pay:
Section. i. Medical Expenses
All reasonable costs that it is medically
You must contact Chubb Assistance necessary to incur outside of Ireland
before incurring any costs covered under for hospital, ambulance, surgical
this Section. or other diagnostic or remedial
treatment, given or prescribed by a
Reciprocal Health Declaration Doctor, and including charges for
If You intend travelling to countries staying in a hospital;
within the European Economic Area (all ii. Emergency Dental Treatment
EU countries plus Iceland, Liechtenstein, All medically necessary and
AIB | Holiday Travel Insurance | 06/21 19reasonable cost to provide emergency v. for medical treatment that a Person
dental treatment for the relief of pain Insured travelled Abroad to obtain;
only up to €300, outside of Ireland. vi. for medication a Person Insured is
iii. Emergency Repatriation Expenses taking before and which he or she
All reasonable costs that it is medically will have to continue taking during a
necessary for Chubb Assistance to Holiday;
incur to return You to Your home in vii. Any expenses incurred following Your
Ireland; or to move You to the most decision not to move hospital or return
suitable hospital in Ireland if it is to the Ireland after the date when, in
medically necessary to do so. the opinion of Chubb Assistance, You
iv. Accompanying Traveller Expenses should do so;
All necessary and reasonable viii. for surgery, medical or preventative
accommodation (room only) and travel treatment which can be delayed in
expenses incurred with the consent of the opinion of the Doctor treating a
Chubb Assistance, by any one other Person Insured and Chubb Assistance,
person if required on medical advice until he or she returns to Ireland;
to accompany You or to escort a Child ix. any additional costs for single or
home to Ireland. private room accommodation;
v. Cremation, burial or transportation x. additional travel and hotel expenses
charges incurred which have not been
If You die Abroad We will pay up to authorised in advance by Chubb
€10,000 Assistance;
a. For cremation or burial charges xi. cremation or burial costs in Ireland;
in the country in which he or she xii. the Excess, except where the Person
died; or Insured has obtained a reduction
b. To transport his or her body or in the cost of medical expenses in
ashes back to Ireland. European Union countries by using a
European Health Insurance Card.
B. Exclusions
(General Exclusions apply as well) NOTES: All original receipts must be kept
We will not pay: and provided to support a Claim.
i. any amount recovered under a
National Health Service reciprocal
agreement. SECTION 8. Hospital benefit
ii. for any treatment not confirmed as Maximum benefit €500 per Person
medically necessary; Insured
iii. any expenses incurred in the Person
Insured’s country of residence; Cover under this Section does not apply
iv. any additional travelling expenses not to a Holiday in Ireland.
authorised by Chubb Assistance if a
Person Insured has to return home A. Cover
earlier than planned or be repatriated If a Person Insured is a hospital in-
from a Holiday; patient during a Holiday and has a Claim
20 AIB | Holiday Travel Insurance | 06/21under Part III Section 7 MEDICAL AND similar kind and its contents, and any
ADDITIONAL EXPENSES, We will pay a article worn or carried by a Person
benefit of €25 for each full 24 hours he or Insured that is not excluded under B.
she spends in hospital up to a maximum Exclusions.
of €500 for each Holiday.
Repair and Replacement Costs
B. Exclusions the cost of repairing partially damaged
(General Exclusions apply as well) property, or, if property is totally lost or
We will not pay for time spent in an destroyed or uneconomical to repair, the
institution not recognised as a hospital in cost of replacing property as new less a
the country of treatment. deduction for wear, tear or depreciation.
NOTE: We will pay a reasonable
SECTION 9. Personal property proportion of the total value of a set or
Maximum payable €1,500 per Person pair to repair or replace an item that is
Insured part of a set or pair.
See Part II for services provided by Chubb Valuables
Assistance which are relevant to this cameras and other photographic
section. equipment, telescopes and binoculars,
Audio/Video equipment (including
DEFINITIONS radios,cassette/compact disc players,
The following words and phrases will Ipods, mp3 and mp4 players, camcorders,
have the same special meaning in this DVD, video, televisions, and other similar
Section wherever they appear in bold audio and video equipment), mobile
italic type and commence with a capital phones, satellite navigation equipment,
letter: Additional Definitions appear in computers and computer equipment
specific Sections and General Definitions (including PDAs, personal organisers,
detailed in PART I apply as well. laptops, notebooks, netbooks and
the like), computer games equipment
Mobility Aid(s) (including consoles, games and
any crutch, walking stick, walking frame, peripherals), jewellery, watches, furs,
wheeled walking frame, walking trolley, precious and semi-precious stones and
evacuation chair, wheelchair, powered articles made of or containing gold, silver
wheelchair or mobility scooter or other precious metals.
constructed specifically to aid persons
suffering from restricted mobility but A. Cover
excluding any golf buggy or golf trolley i. If Personal Property is lost, damaged
or any item covered under Personal or stolen during a Holiday, We will pay
Property. Repair and Replacement Costs up to
€1,500.
Personal Property ii. if any Mobility Aid owned by the
any suitcase, trunk or container of a Person Insured or for which they are
AIB | Holiday Travel Insurance | 06/21 21responsible, necessarily taken by the b) otherwise lost or damaged
Person Insured on Holiday or hired by during the Holiday
or loaned to the Person Insured whilst ii. following discovery by the
on Holiday, is lost, damaged or stolen Person Insured that they
during such Holiday, We will pay accidentally omitted to take
Repair and Replacement Costs up to them on Holiday.
€500.
iii. We will also reimburse the: B. Exclusions
a) cost of essential items of clothing (General Exclusions apply as well)
and toiletries up to €100 that a i. We will not pay:
Person Insured has to purchase a) the Excess;
because Personal Property is lost b) more than €250 for a single item,
or misplaced for at least 12 hours pair or set, or part of a pair or set;
by an airline or other Carrier. c) more than €250 for golf clubs,
b) reasonable and necessary costs up bags and accessories
to €500, incurred by d) more than €250 for Valuables
i. a Person Insured during a in total and will only pay if the
Holiday, in hiring, Mobility Valuables are attended by a
Aids; and/or Person Insured or are in a safety
ii. Chubb Assistance in couriering deposit box at the time they are
Mobility Aids to the Person lost, damaged or stolen;
Insured to replace those taken e) unless a loss or theft is reported
by them on Holiday and which to the Police (and the hotel
have been: management if the loss or theft
i. misplaced for at least 12 occurs in a hotel) within 24 hours
hours by an airline or other of discovery and We are provided
Carrier. with a copy of the original written
ii. suffered loss or damage Police report and report to the
insured under Cover ii. of hotel management as applicable;
this Section; f) for loss, theft or damage to:
c) reasonable and necessary costs I. Personal Property more
up to €300, incurred by Chubb specifically insured or
Assistance to courier essential recoverable under any other
medication, dentures, hearing insurance policy;
aids, prescription glasses, contact II. Personal Property left
or corneal lenses to the Person unattended in a public place;
Insured: III. Personal Property left in an
i. to replace those taken by the unattended vehicle unless it
Person Insured on Holiday and was in the locked boot of the
which have: vehicle or in the luggage space
a) been misplaced for at least at the rear of a locked estate
12 hours by an airline or car or hatchback under a top
other carrier cover and out of view, and
22 AIB | Holiday Travel Insurance | 06/21there is evidence of forced atmospheric or climatic conditions;
entry; h) for delay, detention, seizure or
IV. Personal Property in the confiscation by customs or other
custody of an airline or other officials;
Carrier unless the loss or ii. We will not pay any Claim where:
damage is reported in writing a) Personal Property Mobility Aids
to the airline or other Carrier essential medication, dentures,
within 24 hours of discovery hearing aids, prescription glasses,
and We are provided with a contact or corneal lenses have
copy of the original written been lost or misplaced by an
airline or Carrier report; airline or other Carrier unless
V. Personal Property Due To We are provided with original
leaking powder or fluid carried written confirmation from such
within Your luggage; airline or other Carrier or the tour
VI. dentures, hearing aids, representative that were delayed
prescription glasses, for at least 12 hours after the
sunglasses, prescription Person Insured arrived at his or
sunglasses, contact or corneal her destination;
lenses (except as described in b) Mobility Aids have been lost or
A iii c); damaged unless such loss or
VII. household goods, samples or damage is insured under Cover
merchandise, bonds, securities ii of this section and the Person
or documents of any kind; or Insured has complied fully with
VIII.antiques, musical instruments, the relevant terms and conditions
pictures, typewriters, sports of cover;-
equipment whilst being used c) Personal Property, Mobility Aids,
(except for Winter Sports essential medication, dentures,
equipment if Winter Sports hearing aids, prescription glasses,
cover is shown as covered on contact or corneal lenses have
the Policy Schedule) vehicles been lost or misplaced on a
or their accessories, watercraft journey returning a Person Insured
and ancillary equipment, glass, to Ireland.
china or similar fragile items d) any mobility scooter is lost or
and pedal cycles; damaged by theft or attempted
g) for depreciation in value, normal theft or malicious persons, whilst
wear and tear, denting or left unattended unless, it has
scratching, (other than denting been locked in a secure room
or scratching of hired Mobility or, any key required to operate
Aids for which the Person the mobility scooter has been
Insured is legally responsible), removed and any manufacturers
damage by moth or vermin, security devices employed or,
electrical, electronic or mechanical it is otherwise secured from
derangement, or damage due to unauthorised removal;
AIB | Holiday Travel Insurance | 06/21 23e) mobility scooter tyres and/or bankers card being lost or stolen
accessories are damaged unless during a Holiday and subsequently
the Mobility scooter is damaged at being used fraudulently by any
the same time. person other than:
f) hired Mobility Aids are damaged a) a member of the Person Insured’s
unless their condition has been family; or
inspected prior to hire and any b) the Person Insured’s employer
defects noted. where the card is issued on the
Person Insured’s behalf;
provided that the Person Insured has
SECTION 10. Money fully complied with all the terms and
Maximum payable €500 per Person conditions under which such card has
Insured been issued.
See Part II for services provided by B. Exclusions
Chubb Assistance which are relevant to (General Exclusions apply as well)
this Section. We will not pay;
i. the Excess;
DEFINITIONS ii. more than €50 if the carrier is under
The following words and phrases will 16 years old;
have the same special meaning in this iii. for delay, detention, seizure or
Section wherever they appear in bold confiscation by customs or other
italic type and commence with a capital officials;
letter. Additional Definitions appear in iv. unless a loss or theft is reported to the
specific sections and General Definitions Police (and the hotel management
detailed in PART I apply as well. if the loss or theft occurs in a hotel)
within 24 hours of discovery and
Money We are provided with a copy of the
coins, banknotes, traveller’s cheques, original written Police report and
postal or money orders, travel tickets report to the hotel management as
and pre-paid vouchers and non- applicable;
refundable pre-paid entry tickets. v. for traveller’s cheques:
a) unless the loss or theft is reported
A. Cover immediately to the local branch or
i. We will pay up to €500 if Money agent of the issuing company; or
which is held by a Person Insured for b) if the issuing company provides a
his or her personal use is lost or stolen replacement service;
during a Holiday whilst: vi. for depreciation in value or shortage
a) being carried by a Person Insured; due to any error or omission.
or vii. for more than €500 in total in for
b) left in a safety deposit box. any one Claim in respect of loss of
ii. We will pay up to €500 if a Person or damage to Money or fraudulent
Insured sustains financial loss directly misuse of lost or stolen credit, charge
as a result of a credit, charge or or bankers cards.
24 AIB | Holiday Travel Insurance | 06/21SECTION 11. Loss of passport / SECTION 12. Hijack
driving license expenses Maximum payable €500 per Person
Maximum payable €500 per Person Insured
Insured
See Part II for services provided by
See Part II for services provided by Chubb Assistance which are relevant to
Chubb Assistance which are relevant to this Section.
this Section.
A. Cover
A. Cover If a Person Insured is held hostage by
We will pay up to €500 to cover Hijackers whilst travelling to or from a
additional travel and accommodation Holiday, We will pay a benefit of €50
costs incurred by a Person Insured during for each full 24 hours he or she is held
a Holiday to obtain a new passport or hostage up to a maximum benefit of
driving licence following the loss or theft €500 for each Holiday.
of his or her original documents during a
Holiday. B. Exclusions
(See General Exclusions)
B. Exclusions
(General Exclusions apply as well)
We will not pay; SECTION 13. Personal liability
i. for delay, detention, seizure or Limit of Liability €2,500,000 per Person
confiscation by customs or other Insured
officials;
ii. unless a loss or theft is reported to the See Part II for services provided by
Police (and the hotel management Chubb Assistance which are relevant to
if the loss or theft occurs in a hotel) this Section.
within 24 hours of discovery and
We are provided with a copy of the A. Cover
original written Police report and If the Person Insured becomes legally
report to the hotel management as liable to pay damages in respect of:
applicable; i. accidental Bodily Injury (which shall
iii. for a passport or driving licence stolen include death illness or disease) to any
from an unattended vehicle, unless it person; and/or
was in the locked boot of the vehicle ii. accidental loss of or damage to
or in the luggage space at the rear of material property
a locked estate car or hatchback occurring during the Period of Insurance
under a top cover and out of view, arising out of the Holiday. We will
and there is evidence of forced entry. indemnify the Person Insured for all
damages payable payable in respect
of each occurrence or a series of
occurrences arising directly or indirectly
from one source or original cause up to
AIB | Holiday Travel Insurance | 06/21 25the Limit of Liability for this Section of temporarily occupied by a Person Insured
€2,500,000. in the course of the Holiday.
iii. liability in respect of Bodily Injury
We will also pay in connection with such loss or damage caused directly
liability: or indirectly in connection with
i. all costs and expenses recoverable by ownership, possession of or use
a claimant from a Person Insured; by the Person Insured of: a. the
ii. all costs and expenses incurred with ownership, possession or use of:
Our written consent; i) mechanically propelled vehicles,
iii. solicitors’ fees for representation at or;
any coroner’s inquest or fatal accident ii) Aero spatial device or any airborne
inquiry or in any Court of Summary craft or waterborne craft or vessel,
Jurisdiction; or;
except that in respect of occurrences iii) firearms (other than sporting
happening in or claims or legal guns); or
proceedings brought or originating in the iv) animals and vicarious liability for
United States of America and Canada or the acts of a minor in connection
any other territory within the jurisdiction with the above
of either such country, Costs and iv. liability in respect of Bodily Injury
Expenses described in i., ii. and iii. above loss or damage caused directly or
are deemed to be included in the Limit of indirectly in connection with
Liability. a. the ownership, possession or use
of the Person Insured of any land
B. Exclusions or buildings, immobile property
(General Exclusions apply as well) or caravans other than temporary
We will not provide indemnity for any accommodation occupied by a
liability: Person Insured in the course of a
i. in respect of Bodily Injury to any Holiday; or
person who is: b. Any wilful or malicious act; or
a) under a contract of service with a c. the carrying on of any trade
Person Insured when such injury business or profession;
arises out of and in the course of d. activities or volunteer work
their employment by the Person organised by, or under the
Insured; auspices of, a charitable,
b) A member of the Person Insured’s voluntary, not for profit, social or
family similiar organisation when liability
ii. in respect of loss of or damage to for such activities or work should
property in the care custody or reasonably be included within the
control of a Person Insured. organisation’s own Public Liability
policy.
However this Exclusion shall not apply in v. any liability assumed by the Person
respect of loss of or damage to buildings insured under any contract or
and their contents not belonging to but agreement unless such liability would
26 AIB | Holiday Travel Insurance | 06/21have attached in the absence of such iii. the Person Insured shall observe,
contract or agreement; fulfil and be subject to the terms,
vi. punitive or exemplary damages; Exclusions and Provisions of this
vii. War Section.
C. Provisions applying to this Section
i. no admission, offer, promise or SECTION 14. Overseas legal
indemnity shall be made without advice and expenses
the consent of Us which shall be Maximum payable €30,000 per Person
entitled to take over and conduct Insured
in the Person Insured’s name the
defence or settlement of any claim or Cover under this Section does not apply
to prosecute in the Person Insured’s to a Holiday in Ireland.
name for its own benefit any claim for
indemnity or damages or otherwise See Part II for services provided by Chubb
and shall have full discretion in the Assistance which are relevant to this
conduct of any proceedings and Section.
in the settlement of any claim and
the Person Insured shall give all DEFINITIONS
information and assistance as We The following words and phrases will
may require. Every letter, claim, have the same special meaning in this
writ, summons and process shall section wherever they appear in bold
be forwarded to Us on receipt. italic type and commence with a capital
Written notice shall be given to Us letter. Additional Definitions appear in
immediately the Person Insured specific sections and General Definitions
shall have notice of any prosecution detailed in PART II apply as well.
or inquest in connection with any
circumstances which may given rise to Legal Expenses
liability under this Section. a. fees, expenses, costs/expenses
ii. We may at any time pay to the Person of expert witnesses and other
Insured in connection with any claim disbursements reasonably incurred
or series of claims the Limit of Liability by the Legal Representatives in
for this Section (after deduction of any pursuing a claim or legal proceedings
sum(s) already paid as compensation) for damages and/or compensation
or any lesser amount for which such against a third party who has caused
claim(s) can be settled and upon accidental Bodily Injury to or illness
such payment being made We shall of a Person Insured or in appealing
relinquish the conduct and control or resisting an appeal against the
of and be under no further liability judgment of a Court, tribunal or
in connection with such claim(s) arbitrator.
except for the payment of costs and b. costs for which a Person Insured
expenses recoverable or incurred is legally liable following an award
prior to the date of such payment. of costs by any court or tribunal or
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