ESSEX POLICE FEDERATION - TRAVEL INSURANCE POLICY Effective from 1 January 2022 to 31 December 2022
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ESSEX
POLICE FEDERATION
TRAVEL INSURANCE POLICY
Effective from 1 January 2022 to 31 December 2022
Scheme Reference PWESF22CICTABLE OF CONTENTS
CONTENTS PAGE
24 HR Medical Emergency and Repatriation Service Information 4
Reciprocal Health Agreements
Territorial Limits 5
How to Make a Claim
Insureres for this Policy
Definitions 6
Section 1: Cancellation or Curtailment 7
Section 2: Emergency Medical Expenses 8
Section 3: Hospital Stay Benefit 9
Section 4: Personal Accident
Section 5: Travel Delay and Abandonment
Section 6: Missed Departure
Section 7: Highjack 10
Section 8: Baggage
Section 9: Personal Money
Section 10: Loss of Passport
Section 11: Public Liability 11
Section 12: Catastrophe Cover
Section 13: Legal Expenses
Section 14: Ski Equipment 12
Section 15: Ski Pack 13
Section 16: Piste Closure
Section 17: Journey Disruption Cover
Activities List 16
General Conditions 20
General Exclusions
How to Make a Complaint 22
How we use your Personal Information 23
Policy Cancellation and Refunds 24
2Arranged exclusively for members of the Essex Police Federation and their families
Valid for travel commencing no later than 31st December 2022.
Provided you have paid the appropriate premium as shown on your schedule, you are covered in accordance with the full
wording shown herein up to the limits indicated below. The limits apply per person for each separate trip. The excesses apply
for each person and each section of each claim.
DESCRIPTION OF COVER LIMITS EXCESS*
1. Cancellation or curtailment £5,000 £50 (£20**)
2. Emergency Medical Expenses £10,000 £50
- including emergency repatriation
- including relatives additional expenses
- including emergency dental treatment £350
3. Hospital stay benefit (amount per 24 hours) £500 (£20) Nil
4. Personal accident - loss of sight, limb(s) or permanent total disablement £20,000 Nil
- maximum payable in the event of death £5,000 Nil
- maximum payable in the event of death if under 16 £2,000
5. Travel delay (a) £ after 12 hours delay (b) each 12 hours thereafter (c) max (a) £25 (b) £15 (c) £100 Nil
- abandonment (after 24 hours) £5,000 £50
6. Missed departure £5,00 Nil
7. Hijack (amount per 24 hours) £1,000 (£100) Nil
8. Baggage and valuables - overall limit £1,500 £50
- maximum per item, pair or set £250
- total limit for all valuables £250
- emergency purchases £150 Nil
9. Personal money £500 £50
- cash limit (£50 for under 18’s) £300
10. Loss of passport £250 Nil
11. Public liability £2,000,000 £100
12. Catastrophe cover £500 Nil
13. Legal expenses - max per person/overall limit £25,000/£50,000 £100
14. Ski equipment - overall limit £400 £50
- maximum per item or pair owned or borrowed £250 £50
- maximum per item or pair hired £150 Nil
15. Ski pack £250 £50
16. Piste closure (amount per 24 hours) £200 (£20) Nil
17. Journey or disruption cover
- extended cancellation or curtailment £5,000 £50
- extended travel delay (a) after 12 hrs delay (b) £ each 12 hrs thereafter (c) max (a) £25 (b) £15 (c) £100 Nil
- abandonment £100 £50
- extended missed departure £500 £50
- accommodation cover £5,000 £50
ANNUAL MULTI-TRIP POLICY FEATURES
Maximum age at start/renewal of cover (applicable to all covered individuals) 69 years
Maximum period per trip 31 days (extensions for trips over 31 days ara available for 60 days
members aged under 65 years upon request to a maximum of 60 days.
An additional charge will be made)
Business trip for subscribing members only Clerical and administrative work only
Home country trips (min of one night using pre-booked paid accommodation or internal flight) Yes
Family members can travel seperately Yes
Wintersports - up to maximum total of 17 days (under 65’s only)
*Maximum excess of £100 per policy incident **loss of deposit claims only
3IMPORTANT CONDITIONS RELATING TO HEALTH
In respect of travel to all destinations, you are not covered for any directly or indirectly related claim if at the time this insurance
was arranged and each time you make arrangements for a trip, you or your travelling companions insured under this policy or
any non-travellers upon whose health your travel plans depend;
i. have been given a terminal diagnosis, or
ii. are on a waiting list for surgery, treatment or investigation at a hospital clinic or nursing home or are awaiting the results of
any tests or investigations, or
iii. have any medical condition for which a diagnosis has not yet been received, or
iv. are planning to travel against the advice of a medical practitioner or travelling specifically to seek, or you know you will need,
medical treatment while you are away, or
v. have any medical condition for which the recommended treatment or prescribed medication as directed by a medical
practitioner, is not being taken.
For ALL insured persons aged 65 or over, or if you are aged under 65 and are travelling outside of Europe (as defined on page
3), please answer the following questions.
At the time of taking out the policy:
1. Are any of you suffering from or have suffered from any form of cancer that has required any treatment in the past 24
months? Yes No
2. Have any of you been treated for breathing difficulties (other than stable well-controlled asthma) or any heart related
condition (including angina and hypertension) and are still taking medication or receiving follow up consultations? Yes No
3. Do any of you have any other medical conditions that have required specialist referral to a consultant or hospital treatment
within the last 24 months? Yes No
If you have answered ‘Yes’ to any of questions 1 to 3 there is no cover for claims related directly or indirectly to these
conditions. However cover may be available by contacting Voyager Insurance Services Ltd on 01483 806 816 (9.00 am-5.30
pm Mon–Fri), please quote Essex Police Federation. In most cases, cover can be provided. If special terms are necessary we
will explain them to you and confirm them in writing. Please note calls may be recorded.
IMPORTANT
You must tell us if at any time during the period of insurance and each time you make arrangements for a trip there is a change
in the health of you or your travelling companions insured under this policy or any non-travellers upon whose health your
travel plans depend, so that we may reassess your coverage relating to any trips you have booked or may wish to book in the
future. Please contact Voyager Insurance Services Ltd on 01483 806 816
1. Are you aware of any existing medical conditions affecting any non-travellers whose state of health is likely to cause you to
cancel or amend your travel plans? If so, please contact Voyager Insurance Services Ltd on 01483 806 816 to see what cover
may be available.
2. Are you planning to take part in any hazardous activities (please see general exclusions 13–16 on page 15). If so, please
contact Philip Williams & Co on 01925 604421
24 HR MEDICAL EMERGENCY AND REPATRIATION SERVICE An acute condition means: A disease, illness or injury that is
likely to respond quickly to treatment which aims to return
The nominated emergency service referred to in this you to the state of health you were in immediately before
policy is operated by Healix International: suffering the disease, illness or injury, or which leads to your
Phone: +44 (0)203 819 7170 full recovery.
E-mail: internationalhealthcare@healix.com
Our nominated emergency service will advise and assist you Payment for medical treatment abroad
should you be injured in an accident or fall ill. Our nominated This is not a private medical insurance. If you go into hospital
emergency service will also arrange transport to your home abroad and you are likely to be kept as an in-patient for more
country when this is considered to be medically necessary. than twenty four (24) hours or if your outpatient treatment
You must contact them if you are admitted to hospital or wish is likely to cost more than £500, someone must contact our
to return home by any means other than originally booked nominated emergency service for you as soon as reasonably
or require treatment that will cost more than £500 (or the possible. If they do not, we may not provide cover or we
equivalent in local currency). may reduce the amount we pay for your in-patient or
outpatient treatment.
In the case of a medical emergency please contact our In the event that you require in-patient hospital treatment
nominated emergency service, Healix International, on and/or evacuation/repatriation, it is imperative that our
Phone: +44 (0)203 819 7170 nominated emergency service is contacted and authorisation
E-mail: internationalhealthcare@healix.com. obtained prior to such treatment and/or evacuation/
They are open 24 hours a day, 7 days a week, 365 days a year. repatriation taking place.
Your travel insurance policy is not a private medical insurance Failure to contact our nominated emergency service and
policy and does not cover private medical treatment, private obtain authorisation may prejudice the claim and could mean
hospital costs or other related expenses incurred unless these that some or all of the costs involved may not be paid. You
have been specifically agreed and authorised by our nominated should not attempt to find your own solution and then expect
emergency service. full reimbursement from us without prior approval first having
This policy is only designed to cover you for emergency been obtained from our nominated emergency service.
treatment. Emergency treatment means unforeseen and If you have to return to the United Kingdom, Channel Islands
unplanned treatment that is needed for the sudden onset of an or Isle of Man under Section 1 - Cancellation or Curtailment
acute condition, which for medical reasons and in the opinion of or Section 2 - Emergency Medical Expenses our nominated
our nominated emergency service cannot be delayed until you emergency service must authorise this. If they do not,
return to the United Kingdom, Channel Islands or Isle of Man and we may not provide cover or we may reduce the amount we
could be undertaken in the United Kingdom, Channel Islands pay for your return to the United Kingdom, Channel Islands or
or Isle of Man if you were to return home. The decision of our Isle of Man.
nominated emergency service is final.
4SPECIAL NOTICE insurance-card-ghic/. This will give you the right to access
state provided healthcare during a temporary stay in the
Foreign, Commonwealth & Development Office (FCDO) Advice European Union. Please note that a GHIC does not replace
This insurance policy will not cover you to travel to a travel insurance. In the event of liability being accepted for a
specific country or to an area where, prior to your trip medical expenses claim which has been reduced by the use of
commencing, the Foreign, Commonwealth & Development a EHIC or GHIC we will not apply the deduction of excess under
Office (FCDO) have advised against all (or all but essential) Section 2 - Emergency Medical Expenses.
travel. This exclusion does not apply where your destination
is within Europe and where the Foreign, Commonwealth Australia or New Zealand
& Development Office (FCDO) have advised against all (or If you require medical treatment in Australia you must enrol
all but essential) travel solely due to the Coronavirus risk. with a local MEDICARE office. You do not need to enrol on
It is your responsibility to check the latest advice from the arrival but you must do this after the first occasion you receive
FCDO prior to commencing your trip, which you can find at treatment. Inpatient and out-patient treatment at a public
www.gov.uk/foreign-travel-advice. hospital is then available free of charge. Details of how to enrol
and the free treatment available can be found by visiting the
Claims arising from alcohol MEDICARE website on www.humanservices.gov.au/medicare
We do not expect you to avoid alcohol during your trip, but or by emailing medicare@humanservices.gov.au.
we will not cover any claim arising from excessive alcohol If you require medical treatment in New Zealand, there are
consumption by which we mean where you have drunk so reciprocal agreements, but a person may not enrol with a
much alcohol that a medical practitioner has stated that your Primary Health Organisation (PHO). They should get the same
alcohol consumption has caused or actively contributed to your health subsidies as a New Zealand citizen visiting a general
injury or illness, the results of a blood test at the time of injury practitioner as a casual patient, if the medical practitioner
or illness shows that your blood alcohol level exceeds 0.19% has decided the condition needs prompt attention. For more
that is approximately 1.5 litres of beer or four 175ml glasses information, please go to www.health.govt.nz or email info@
of wine; a witness report of a third party that has advised that health.govt.nz
you have notably impaired your faculties and/or judgement. Alternatively please call our nominated emergency service
Please refer to general exclusions 11, 12 and 13 on page 21. for guidance.
Claims for reimbursement of costs If you are admitted to hospital contact must be made with our
This insurance policy will only respond to claims for nominated emergency service as soon as possible and their
irrecoverable costs once those principally responsible for authority obtained in respect of any treatment NOT available
reimbursing the cost have been exhausted. For example under MEDICARE or a Primary Health Organisation (PHO).
transport and accommodation costs – You should, in the first
instance, contact your tour operator, airline, accommodation PERIOD OF INSURANCE
provider, credit or debit card providers to source a refund,
as in most instances, either as a result of the Package Travel If you have paid the appropriate annual multi-trip travel
& Linked Arrangement Regulations 2018; EU Transport insurance premium and you are under 70 years old, the overall
Regulations; Consumer Credit Act; or Debit card charge backs, period of insurance shall start from 1st January 2022 and shall
a refund is legally due. expire on 31st December 2022. This insurance then covers an
unlimited number of holiday/leisure trips starting within that
period, except that no cover exists at all for a trip if it is intended
IMPORTANT INFORMATION to be for longer than 31 days (unless you have paid to extend
We draw your attention to the exclusions detailed in the this to 60 days and it has been agreed by us and confirmed in
‘General Exclusions’ section, in particular, exclusions 36 and 37, writing). Wintersports are covered up to a total of 17 days in
as this policy will NOT provide cover for any claims directly or each period of insurance provided you are aged under 65.
indirectly related to a pandemic and/or epidemic, including but Except as stated below, cover for each separate trip under this
not limited to Coronavirus. insurance starts when you leave your home or place of business
Please note: general exclusion 36 applies to all sections of in your home country at the start of your trip and finishes as
cover, whilst general exclusion 37 applies to all sections soon as you return to your home or place of business in your
of cover with the exception of Section 1 - Cancellation or home country for any reason.
Curtailment and Section 2 - Emergency Medical Expenses For cancellation only (Section 1), cover starts from 1st January
provided that you have received the recommended number 2022 or the date you book your trip, whichever is the later.
of doses of an approved Coronavirus vaccine 14 days prior personal money (Section 9) will be covered from the time of
to your trip commencing. This vaccination requirement shall collection but not more than 72 hours before you travel.
not apply where you were ineligible for vaccination, or unable If you are going on a one-way trip all cover will finish 48 hours
to receive the vaccine for medical reasons, and this is shown after your arrival in the country of final destination. If your
in your medical records. You should also refer to general return is unavoidably delayed for an insured reason, cover will
exclusion 3. be extended free of charge for the period of delay.
Please be aware: There is no cover under this policy if (having
no symptoms of or you not testing positive for Coronavirus) TERRITORIAL LIMITS
you are advised to quarantine or you choose to self-isolate due You are covered to travel anywhere in the world outside your
to a person you have come into contact with testing positive home country. Trips wholly within your home country are also
for Coronavirus. insured but only if they include a minimum of one night away
from home using pre-booked paid accommodation or involve
RECIPROCAL HEALTH AGREEMENTS an internal flight.
EU, EEA or Switzerland
If you are travelling to countries within the European Union
(EU), the European Economic Area (EEA) or Switzerland and
you possess a European Health Insurance Card (EHIC) or
Global Health Insurance Card (GHIC) then this must be used.
You can apply for a GHIC online at www.nhs.uk/using-the-
nhs/healthcareabroad/ apply-for-a-free-uk-global-health-
5HOW TO MAKE A CLAIM OUR REGULATOR
For all claims other than medical emergencies please notify the Voyager Insurance Services Ltd and Philip Williams & Co are
claims handlers either by contacting the telephone number below authorised and regulated by the Financial Conduct Authority.
or via their website. Please quote: Essex Police Federation and the These details can be checked on the Financial Services Register
Scheme Reference PWESF22CIC by visiting the FCA’s website at www.fca.org.uk/register or
Claims Settlement Agencies Ltd by contacting them on 0800 111 6768 (freephone) or 0300 500
Tel: 01702 553443 8082 from the UK, or +44 207 066 1000 from abroad.
Email: info@csal.co.uk
To download a claim form please visit www.csal.co.uk IMPORTANT INFORMATION
308 London Road, Hadleigh, Benfleet, Essex, SS7 2DD Under European Union (EU) travel regulations, you are entitled to claim
The fastest and easiest way to make a claim is online at compensation from your carrier if any of the following happen:
www.submitaclaim.co.uk/esx 1. Denied boarding and cancelled flights
The process should take approximately 10-15 minutes If you check in on time but you are denied boarding because
to complete (depending on the type of claim), but before there are not enough seats available or if your flight is
continuing you should ensure you have your Police Federation cancelled, the airline operating the flight must offer you
details, insurance details, trip dates, supporting documentation financial compensation.
and details of the incident. 2. Long delays
Please note: All claims must be notified as soon as it is reasonably If you are delayed for two hours or more, the airline must
practical after the event which causes you to submit a claim. offer you meals and refreshments, hotel accommodation and
Late notification of a claim may affect our acceptance of a communication facilities. If you are delayed for more than five
claim or result in the amount we pay being reduced. hours, the airline must also offer to refund your ticket.
We will ask the claimant to complete a claim form and to provide 3. Luggage
at their own expense all reasonable and necessary evidence If your checked-in luggage is damaged or lost by an EU
required by us to support a claim. If the information supplied airline, you must claim compensation from the airline within 7
is insufficient, we will identify the further information which is days. If your checked-in luggage is delayed, you must claim
required. If we do not receive the information we need, we may compensation from the airline within 21 days of its return.
reject the claim. For further details about claims, please refer to 4. Death or injury
‘General conditions’ on page 20. If you are injured in an accident on a flight by an EU airline, you
may claim damages from the airline. If you die as a result of
To help us prevent fraudulent claims, we store your personal these injuries your family may claim damages from the airline.
details on computer and we may transfer them to a centralised Full details are available at http://europa.eu/youreurope/
system. We keep this information in line with the conditions citizens/travel/passenger-rights/index_en.htm
of the UK Data Protection Act 2018 which incorporates the
General Data Protection Regulation (EU)2016/679. FINANCIAL SERVICES COMPENSATION SCHEME
Please do not send in any documentation until you have a We are covered by the Financial Services Compensation
completed claim form to go with it. The claim form lists the Scheme. You may be entitled to compensation from the
additional documentation necessary to support your claim. scheme if we are unable to meet our obligations to you under
Always make sure that any loss or theft of valuables or any this contract. If you are entitled to compensation under the
items are reported to the police within 24 hours of discovering scheme, the level and extent of the compensation would
the loss or as soon as possible after that, and a written report depend on the nature of this contract. Further information
obtained in the country where the incident occurred. If your can be obtained from the Financial Services Compensation
baggage is damaged or lost in transit whilst “checked-in” Scheme, 10th Floor, Beaufort House, 15 St Botolph Street,
you must report it to the handling agents or airline as soon as London, EC3A 7QU. Tel: 0800 678 1100 or 020 7741 4100 and
possible on collection and obtain a Property Irregularity Report. on their website at www.fscs.org.uk.
These reports (if applicable to your claim), together with all
available receipts and any other requested documentation,
must be submitted with your claim form. CHOICE OF LAW AND JURISDICTION
This policy will be governed by English Law and you, the
INSURERS beneficiaries and we agree to submit to the courts of England
and Wales to determine any dispute arising under or in
This insurance is underwritten by Chaucer Insurance Company connection with it, unless agreed to the contrary by you and us
DAC. Chaucer Insurance Company DAC are authorised and before the commencement date. The Terms and Conditions of
regulated by the Central Bank of Ireland and registered in the this policy will only be available in English and all communication
Republic of Ireland. Registered office: 38 & 39 Baggot Street relating to this policy will be in English.
Lower, Dublin 2, D02 T938, Ireland.
This insurance is arranged by Voyager Insurance Services INTEREST
Limited. Registered Office: Bankside 300 Peachman Way,
Broadland Business Park, Norwich, Norfolk, United Kingdom, No sum payable under this policy shall carry interest.
NR7 0LB. Company No: 03251842. Authorised and regulated by
the Financial Conduct Authority (FCA). Firm Reference number: RIGHTS OF THIRD PARTIES
305814. On behalf of Philip Williams Financial Management The Contracts (Rights of Third Parties) Act 1999 or any
Limited. Registered Office: 35 Walton Road, Stockton Heath, amendment thereto shall not apply to this policy. Only you and
Warrington, England, WA4 6NW. Company No: 03338645. we can enforce any terms of this policy which may be varied or
Authorised and regulated by the FCA. cancelled without consent of any third party.
Firm Reference number: 11181168.
You can check these details on the Financial Services Register
by visiting the FCA’s website on www.fca.org.uk/register or
by contacting them on 0800 111 6768.
6DEFINITIONS Ill/Illness means a condition, disease, set or symptoms
or sickness leading to a significant change in your health,
Listed below are certain words that appear throughout the as diagnosed and confirmed by a doctor during the
policy. In all cases they will be shown in bold and will have the period of insurance.
meanings shown below. Irrecoverable costs means any costs where you are
Accident/accidental means a sudden, unexpected, unusual, not entitled to a refund by any other means, and/or costs
specific, violent, external event, which occurs at a single that are not compensated elsewhere, and/or costs that
identifiable time and place and independently of all other are already accepted or offered by your transport and/
causes, resulting directly, immediately and solely in physical or accommodation provider, even if this is a credit note or
bodily injury which results in a loss. alternative travel arrangements.
Baggage means personal belongings, including clothing worn, Loss of limb(s) means
and personal luggage owned by you that you take with you a) In the case of a lower limb, loss by physical severance at or
or buy on your trip but excluding valuables and the items above the ankle, or
specifically excluded in Section 8 - Baggage. b) Permanent and total loss of and/or total and irrecoverable
Beneficiary means subscribing member, their cohabiting loss of use of an entire leg or foot which lasts twelve (12)
partner and any number of their dependant children aged calendar months and at the expiry of that period being beyond
under 23 years, all normally residing together in their family hope of improvement, or
home. You must be resident in the United Kingdom, Channel c) In the case of an upper limb, loss by physical severance
Islands or Isle of Man and registered with a medical practitioner of the entire four fingers through or above the meta carpo
in your home country. phalangeal joints or permanent and total loss of and/or total
Bodily Injury means an identifiable physical injury caused by and irrecoverable loss of use of an entire arm or hand which
sudden, unexpected, external and visible means including lasts twelve (12) calendar months and at the expiry of that
injury as a result of unavoidable exposure to the elements. period being beyond hope of improvement.
Breakdown means that the vehicle in which you are travelling Loss of sight means
stops as a result of mechanical or electrical failure due to any a) Permanent and total loss of sight in both eyes where your
cause other than lack of fuel, oil or water. name has been added to the Register of Blind Persons on the
Business colleague means any person that you work closely authority of a qualified ophthalmic specialist; or
with whose absence for a period of one or more complete b) Permanent and total loss of sight, if the degree of sight
days necessitates the cancellation or curtailment of the trip as remaining after correction is 3/60 or less on the Snellen Scale
certified by a director of the business. (seeing at least three feet what you should see at sixty feet),
Business trip means a trip for business purposes involving which lasts twelve (12) calendar months and at the expiry of
clerical and administrative work and excluding manual work. that period being beyond hope of improvement.
Clerical and administrative work means duties involving Manual work means work that is not clerical or
routine documentation and administrative tasks. administrative work.
Coronavirus means Covid-19, including any related and/or Medical practitioner means a registered practising member of
simlar conditions howsoever called, or any mutation of these. the medical profession registered in the country where you are
Curtailment/curtail means the cutting short of your trip by your treated who is not related to you or any person with whom you
early return home or your repatriation to a hospital or nursing are travelling.
home in your home country. Payment will be made on the Mugging means a violent, threatening attack by a third party
number of full days of your trip that are lost from the day you are causing actual bodily harm.
brought home. Non-traveller means your relatives or business colleagues
Domestic flight means a flight where the departure and arrival who are not travelling with you, and people with whom you
take place within the United Kingdom or the Channel Islands. have arranged to stay.
Epidemic means a widespread occurrence of an infectious Pandemic means an epidemic that has spread across
disease in a community at a particular time. a large region.
Europe means Albania, Andorra, Armenia, Austria, Azerbaijan, Permanent total disablement means Irrecoverable disablement
Azores, Belarus, Belgium, Bosnia-Herzegovina, Bulgaria, arising from accidental bodily injury, which permanently and
Croatia, Cyprus, Czech Republic, Denmark (including Faroe totally incapacitates you for a continuous period of twelve
Islands), Estonia, Finland, France (including Corsica), Georgia, (12) months from carrying out at least two (2) of the following
Germany, Gibraltar, Greece (including Greek Isles), Guernsey activities of daily living:
(including Alderney, Sark and Herm) Hungary, Iceland, Ireland, a) Transfer and Mobility – the ability to move from one room to
Italy (including Aeolian Islands, Sardinia, Sicily), Jersey, Kosovo, an adjoining room or from one side of a room to another or to
Lapland, Latvia, Liechtenstein, Lithuania, Luxembourg, get in and out of a bed or chair,
Macedonia, Madeira, Malta, Moldova, Monaco, Montenegro, b) Dressing – putting on and taking off all necessary items
Netherlands, Northern Ireland, Norway (including Jan Mayen, of clothing,
Svalbard Is), Poland, Portugal, Romania, Russia (west of Ural c) Toileting – getting to and from the toilet, transferring on and
mountains), San Marino, Serbia, Slovakia, Slovenia, Spain off the toilet and associated personal hygiene,
(including Balearic and Canary Islands), Sweden, Switzerland, d) Eating – all tasks of getting food into the body once it has
Ukraine, United Kingdom (including England, Northern Ireland. been prepared, and at the expiry of that period being beyond
Scotland, Wales and Isle of Man) and Vatican City. hope of improvement sufficient to carry out at least three of
Expert witness means a person who testifies in a court of law the previously described activities of daily living ever again.
because they have specialist knowledge in a particular field or Personal money means cash, being banknotes and coins,
area of expertise, entitling that person to testify about their travellers’ cheques and postal orders, travel tickets and
opinion on the meaning of facts. accommodation vouchers carried by you for your personal use.
Family means subscribing member, their cohabiting parter and Public transport means buses, coaches, ships and or
any number of their dependant children aged under 21 years, all ferries, domestic flights or trains that run to a published
normally residing together in their family home. scheduled timetable.
Home means your normal place of residence in the United Relative means husband or wife or civil partner (or named
Kingdom, Channel Islands or Isle of Man. partner with whom you are living at the same address),
Home country means whichever one of the United Kingdom, parent, grandparent, parent-in-law, brother, sister, child,
Channel Islands or Isle of Man is your usual place of residence.
7grandchild, brother-in-law, sister-in-law, son-in-law, daughter- there is a contract to pay that cannot be recovered from
in-law or fiancé(e). anywhere else if:
Repatriation means returning you to your home, a hospital, 1. cancellation of the trip is necessary and unavoidable or
nursing home or funeral director in the United Kingdom, the 2. the trip is curtailed before completion as a result of any of
Channel Islands or Isle of Man. the following events:
Ski equipment means skis, snowboards, ski-poles, bindings, ski a.
boots and snowboard boots. 1. your death,
Travelling companion means a person with whom you are 2. you suffering bodily injury,
travelling with and on the same booking, or with whom you have 3. your illness,
arranged to meet at your trip destination with the intention of 4. your contracting disease,
spending a proportion of your trip with, who may have booked 5. you testing positive for Coronavirus within 14 days of
independently and therefore not included on the same booking your trip departure date, (for cancellation of your trip),
and may have differing inbound and outbound departure times 6. you being admitted to hospital due to testing positive
or dates. for Coronavirus since you purchased your policy or
Terrorism means an act, including but not limited to the use booked your trip, whichever is the later (for cancellation
of force or violence and/or threat thereof, of any person or of your trip),
group(s) of persons, whether acting alone or on behalf of 7. you testing positive for Coronavirus during your trip (for
or in connection with any organisation(s) or governments, curtailment of your trip),
committed for political, religious, ideological or similar purposes 8. you suffering complications of pregnancy.
including the intention to influence any government and/or to b. The death, bodily injury, illness disease, or complications of
put the public, or any section of the public, in fear. pregnancy of: your relative or that of a travelling companion, a
Trip means any holiday, leisure or business trip which starts business colleague or a person with whom you intend to stay.
and ends in your home country for which you have paid the Please note: there is no cover if this is related to a pandemic
appropriate premium. and/or epidemic, included but not limited to Coronavirus, as
Unattended means out of your immediate control and this excluded - see General Exclusions 36 and 37 on page 21.
supervision such that you are unable to prevent loss, theft or c. receipt of a summons for jury service, being subpoenaed as a
damage occurring. court witness, called to court as a witness (but not as an expert
Unexpectedly means at the time of purchase of this insurance witness) or being placed in compulsory quarantine.
policy there was no reasonable chance or knowledge of a d. unexpected requirement for emergency and unavoidable
circumstance that would lead to a claim, including information duty as a member of the police, fire, nursing, ambulance or
publicised in mainstream media/medical outlets. coastguard services resulting in cancellation of previously
Utilisation of nuclear, chemical or biological weapons of mass agreed leave.
destruction means the use of any explosive nuclear weapon Please note: there is no cover if this is related to a pandemic
or device; or the emission, discharge, dispersal, release or and/or epidemic, including but not limited to Coronavirus, as
escape of: fissile material emitting a level of radioactivity, this is excluded - see General Exclusions 36 and 37 on page 21.
or any pathogenic (disease producing) micro-organism(s) e. redundancy, provided that you are entitled to payment
and/or biologically produced toxin(s) (including genetically under the current redundancy payments legislation and that
modified organisms and chemically synthesised toxins), or at the time of booking your trip you had no reason to believe
any solid, liquid or gaseous chemical compound which, when that you would be made redundant. You must have had 2 years
suitably distributed; which is capable of causing incapacitating continuous employment with that employer.
disablement or death amongst people or animals. f. your presence being required to make your property safe
Valuables means watches, furs, jewellery, photographic and secure following fire, flood or burglary that causes serious
equipment, binoculars, telescopes, spectacles, sunglasses, damage at your home within 48 hours prior to your departure,
musical instruments, unset precious stones. electronic or whilst you are away.
equipment and its media, but cover is excluded for mobile g. your car becoming unusable as a result of theft, fire or
telephones, computers and/or accessories (including games accident within 7 days prior to your departure. This only applies
and games consoles [but not including handheld games if you are planning to go on a self-drive trip in the car.
consoles], PDA’s, personal organisers, laptops and electronic
You are not covered for
navigation equipment) and televisions.
a. the amount of the excess shown in the benefits table.
*Please note that exclusions may apply for valuables that
b. anything not included in You are covered above.
are lost, damaged or stolen whilst as checked-in baggage. It
c. any claims because of a medical condition or an illness related
is therefore important that you store your valuables in your
to a medical condition which you knew about and which could
carry-on or hand luggage and they are under your supervision
reasonably be expected to lead to claim, unless the medical
at all times.
condition/illness was declared to Voyager Insurance Services
We, us and our means Chaucer Insurance Company DAC.
Ltd and accepted for cover in writing.
Winter sports means cross country skiing (Nordic skiing),
d. any claim where you did not comply with the ‘Important
glacier skiing, recreational racing, snowmobiling, mono skiing,
conditions relating to health’ on page 3.
off piste skiing or snowboarding (providing local safety
e. any directly or indirectly related claims if any of the following
guidelines and warnings are observed), on piste skiing or
apply to you or a travelling companion, at the policy start date
snowboarding, snowblading and sledging.
and each time you make arrangements for a trip
You and your means the beneficiary.
1. you/they were travelling against the advice of a medical
practitioner or in order to get medical treatment abroad.
SECTION 1 CANCELLATION OR CURTAILMENT 2. you/they have been diagnosed as having a
Cover under this section starts from the date shown in terminal illness
your documentation or the date travel is booked, whichever 3. you/they are on a waiting list for surgery, treatment or
is the later. investigation at a hospital or are awaiting the results of
You are covered up to the amount shown in the benefits hospital tests or investigations
table for your proportionate share of the unused travel f. any claims arising directly from Coronavirus:
and accommodation costs (including unused pre booked 1. for cancellation of your trip, if you do not have an official
excursions up to a value of £150) that have been paid or where positive test result confirming your diagnosis within
814 days of your trip departure date or you do not have to hospital due to testing positive for Coronavirus since you
evidence of your admittance to hospital due to testing purchased your policy or booked your trip, whichever is the
positive for Coronavirus since you purchased your policy later. Failure to do so will affect the assessment of your claim.
or booked your trip, whichever is the later; Please also refer to the general exclusions and conditions.
2. for curtailing your trip, if you do not have an official
positive test result confirming your diagnosis, unless
agreed by our nominated emergency service; SECTION 2 EMERGENCY MEDICAL EXPENSES
3. if you are advised to quarantine or you choose to self- PLEASE NOTE: THIS IS A TRAVEL INSURANCE POLICY AND
isolate due to a person you have come into contact with NOT PRIVATE MEDICAL INSURANCE. THIS MEANS THERE
having Coronavirus; IS NO COVER FOR ANY MEDICAL EXPENSES INCURRED IN
4. if a medical professional advises you not to travel as you PRIVATE MEDICAL FACILITIES IF WE HAVE CONFIRMED THAT
have underlying health conditions that place you ‘at a MEDICALLY CAPABLE PUBLIC FACILITIES ARE AVAILABLE.
higher risk’ from Coronavirus; You are covered up to the amount shown in the benefits table
5. where you have travelled to a specific country or to an for the reasonable and necessary costs incurred as a result of
area where, prior to your trip commencing, the Foreign, your unforeseen bodily injury, illness (including with symptoms
Commonwealth & Development Office (FCDO) have of or testing positive for Coronavirus), death or complications
advised against all (or all but essential) travel. This arising as a direct result of pregnancy during your trip
exclusion does not apply where your destination is in respect of:-
within Europe and where the Foreign, Commonwealth & a. emergency medical, surgical and hospital treatment and
Development Office (FCDO) have advised against all (or transportation. At the sole discretion of our nominated
all but essential) travel solely due to the Coronavirus risk. emergency service, who reserve the right to make the final
6. as a result of local government restrictions or directives decision as to whether or not it is medically necessary, this
prohibiting or restricting entry (for example, self- also includes the cost of repatriation to your home country,
isolation, quarantine or lockdown measures) to your by whatever means deemed medically necessary. The cost of
intended destination or on your return home; emergency dental treatment to natural teeth is covered up to
7. any costs of Coronavirus testing unless you are admitted the amount shown in the benefits table provided that it is for
to hospital as an in-patient as a result of an accident or the immediate relief of pain only.
illness that is covered under Section 2 - Emergency b. additional travel and accommodation expenses (on a bed and
Medical Expenses. breakfast basis) to enable you to return home if you are unable
g. any costs incurred in respect of visas obtained in connection to travel as originally planned.
with your trip. c. additional travel and accommodation expenses (on a bed and
h. disinclination to travel. breakfast basis) for;
i. claims arising from your anxiety, stress, depression or any i. a travelling companion to stay with you and accompany
other mental or nervous disorder unless you provide a medical you home, or
certificate from a registered mental health professional stating ii. a relative or friend to travel from your home country to
that this necessarily prevented you from travelling. stay with you and accompany you home.
j. failure to obtain the necessary passport, visa, vaccinations d. returning your remains to your home or for a funeral in the
and inoculations or permit for your trip. country where you die, up to the equivalent cost of returning
k. the cost of your unused original tickets where our nominated your remains to your home country.
emergency service or we have arranged and paid for you to e. with the prior agreement of our nominated emergency
come home following curtailment of the trip. If however you service, your necessary additional travel expenses to return
have not purchased a return ticket, we reserve the right to home following the death, injury or illness of a travelling
deduct the cost of an economy flight from any additional costs companion or of your relative or business colleague in your
we have incurred which are medically necessary to repatriate home country.
you to your home. Please note: there is no cover under e. if this is related to
Please note that curtailment claims will be calculated from the a pandemic and/or epidemic, including but not limited to
day you return to your home country or you are hospitalised as Coronavirus as this is excluded - see General Exclusions 36 and
an in-patient so that you lose the benefit of accommodation 37 on page 21.
you have paid for, or being confined to your accommodation.
You are not covered for
Your claim will be based solely on the number of complete
a. the amount of the excess shown in the benefits table in
nights’ accommodation lost. In respect of travel expenses, we
respect of each claim unless a recovery can be made under the
will pay for any additional costs but not for the loss of your pre-
terms of the EHIC or any other reciprocal agreement.
booked arrangements.
b. any claim because of a medical condition or an illness related
l. no cover for the resumption of your trip once it has been
to a medical condition which you knew about and which could
curtailed. There is no further cover once you have returned to
reasonably be expected to lead to a claim, unless the medical
your home country.
condition/illness was declared to Voyager Insurance Services
Conditions Ltd and accepted for cover in writing.
It is a requirement of this insurance that if you; c. any claim where you did not comply with the ‘Important
a. (for cancellation) become aware of any circumstances which conditions relating to health’ on page 3.
make it necessary for you to cancel your trip, you must advise d. any directly or indirectly related claims if any of the following
your tour operator or travel agent in writing within 48 hours. The apply to you or your travelling companion, at the policy start
maximum amount we will pay will be limited to the applicable date and each time you make arrangements for a trip.
cancellation charges at that time. 1. you/they were travelling against the advice of a medical
b. (for curtailment) wish to return home differently to your practitioner or in order to get medical treatment abroad.
original plans and claim any additional costs under this 2. you/they have been diagnosed as having a terminal
insurance, you must contact our nominated emergency service illness.
and obtain their agreement to the new arrangements. 3. you/they are on a waiting list for surgery, treatment or
c. provide (at your own expense) a positive official test result investigation at a hospital or are awaiting the results of
confirming your diagnosis of Coronavirus within 14 days of hospital tests or investigations
your trip departure date or evidence that you were admitted e. any treatment or surgery;
9i. which is not immediately necessary and can wait until you SECTION 3 HOSPITAL STAY BENEFIT
return home.
ii. which in the opinion of our nominated emergency service You are covered for the amount shown in the benefits table
is considered to be cosmetic, experimental or elective. for each night spent receiving in-patient hospital treatment
iii. carried out in your home country or more than 12 months outside of your home country that is covered under Section
after the expiry of this insurance. 2 - Emergency Medical Expenses.
f. any costs of Coronavirus testing unless you are admitted to Please also refer to the exclusions and conditions relating
hospital as an in-patient as a result of an accident or illness that to Section 2 - Emergency Medical Expenses and the general
is covered under Section 2 - Emergency Medical Expenses. exclusions and conditions.
g. any expenses incurred after the date which, in the opinion
of our nominated emergency service, you should be moved to SECTION 4 PERSONAL ACCIDENT
an alternative facility or repatriated to your home country, but
despite which advice, you decide not to be moved or repatriated. You are covered for the amount shown in the benefits table if
h. any expenses related to treatment or services provided by a you have an accident whilst you are on your trip which is the
health spa, convalescent or nursing home or any rehabilitation sole and independent cause of your death, permanent total
centre unless agreed by our nominated emergency service. disablement, loss of sight or loss of limb(s) within 12 months
i. any expenses incurred in England, Scotland, Wales or Northern of the accident.
Ireland that are funded by, or are recoverable from, the health If you are aged under 16 at the date of the accident, the amount
authority in your home country. you are covered for in the event of your death is shown in the
j. any expenses for treatment not related to the injury or illness benefits table.
which necessitated your admittance to hospital. Payment under this section in respect of all the consequences
k. normal pregnancy, without any accompanying bodily injury, of an accident shall be limited in total to the amount shown in
illness or complication. This section is designed to provide cover the benefits table.
for unforeseen events, accidents and illnesses and normal In the event of your death within 12 months of the accident, the
childbirth would not constitute an unforeseen event. total payment will be limited to the amount shown for death.
l. exploratory tests unless they are normally conducted as a You are not covered for
direct result of the condition which required referral to hospital. a. claims arising out of manual work.
m. claims related to manual work. b. a “permanent total disablement” claim if at the date of the
n. the additional costs of accommodation in a single or private accident you are over the age of 65 years and are not in full
room, unless it is medically necessary or there is no alternative. time paid employment.
o. the costs of medication or treatment that you knew at c. the contracting of any disease, illness and/or medical condition.
the time of your departure would need to be continued during d. the injection or ingestion of any substance.
your trip. e. any event which directly or indirectly exacerbates a
p. the cost of work involving the use of precious metals in any previously existing physical bodily injury.
dental treatment. f. more than one of the benefits relating to the same injury.
q. the provision of dentures, crowns or veneers.
r. the cost of your unused original tickets where our nominated Special condition relating to Section 4 - Personal Accident
emergency service or we have arranged and paid for you to The death benefit will be paid to the deceased person’s estate.
come home following curtailment of the trip. If however you Please also refer to the general exclusions and conditions.
have not purchased a return ticket, we reserve the right to
deduct the cost of an economy flight from any additional costs SECTION 5 TRAVEL DELAY AND ABANDONMENT
we have incurred which are medically necessary to repatriate
you to your home. Travel delay
You are covered up to the amounts (a), (b) and (c) shown
Please note that it is essential under the terms of this in the benefits table if the arrival of the public transport on
insurance that: which you are booked to travel is delayed by at least 12 hours.
a. in the event of any illness, injury, accident or hospitalisation (a) for the first complete 12 hour period of delay and (b) for
involving anyone insured under this policy where the anticipated each subsequent complete 12 hour period, up to the maximum
costs are likely to exceed £500 (or the equivalent in local payable (c).
currency) you must notify our nominated emergency service. If
is not possible to notify them in advance because the condition Abandonment
requires immediate treatment to save life or limb our nominated However if you are delayed on your outward journey from your
emergency service must be contacted as soon as possible. home country such that you will arrive at your destination more
Failure to do so will affect the assessment of your claim. than 24 hours after the original scheduled arrival time and you
b. wherever possible you must use medical facilities that choose to abandon your trip instead of a payment for delay
entitle you to the benefits of any reciprocal health agreement you are covered for the cost of the trip, up to the maximum
such as the EHIC or GHIC in Europe and MEDICARE in Australia claimable under Section 1 - Cancellation or Curtailment.
or the reciprocal health agreement in New Zealand. You are not covered
Important note on mobile phones a. for a claim caused by a strike if it had started or been
Mobile phones are convenient, but expensive. Even if you ask announced before you arranged this insurance or booked your
someone to call you back on your mobile phone, you may still trip, whichever is the later.
have to pay the bill for the international element. You will also b. if you fail to check-in on time.
be charged for calls made on a mobile phone via a freephone c. if transport services are withdrawn as the result of a
number. For these reasons we ask that wherever possible you recommendation or instruction from the Civil Aviation
contact us from a landline. If it is absolutely essential that you Authority, Port Authority or similar body.
do use a mobile phone, then we will consider reimbursing the d. for the amount of the excess shown in the benefits table in
charges to a maximum of £50, if we believe they have been respect of each claim for abandonment.
necessarily incurred. e. to claim under this section if you have claimed under Section
6 - Missed Departure, from the same cause.
Please also refer to the general exclusions and conditions. Please also refer to the general exclusions and conditions.
10SECTION 6 MISSED DEPARTURE e. loss or theft of or damage to valuables whilst they are
unattended unless locked in a hotel safe (or equivalent facility)
You are covered up to the amount shown in the benefits table or locked in your private accommodation.
for necessary additional travel and accommodation expenses f. breakage of fragile articles unless caused by fire or by an
(on a bed and breakfast basis) that you incur in reaching your accident to the aeroplane, ship or vehicle in which they are
destination if you arrive at any departure point shown on your being carried.
pre-booked itinerary too late to board the public transport on g. loss or theft of or damage;
which you are booked to travel as a result of; i. to household goods, bicycles, waterborne craft and
a. the failure of public transport, or their fittings of any kind.
b. a road traffic accident or vehicle breakdown delaying the ii. to motor vehicles, trailers or caravans or any fixtures,
vehicle in which you are travelling. fittings or accessories therein or thereon.
You are not covered iii. to watersports and ski equipment.
a. for a claim caused by a strike if it had started or been iv. to contact lenses, dentures and hearing aids.
announced before you arranged this insurance or booked your v. to baggage in transit unless reported to the carrier as
trip, whichever is the later. soon as possible and a written Property Irregularity
b. to claim under this section if you have claimed under Section Report is obtained.
5 - Travel Delay, from the same cause. vi. mobile telephones, computers and/or accessories
c. for any claim for more than the cost of the original booked trip. (including games and games consoles [but not including
handheld games consoles], PDA’s, personal organisers,
Conditions laptops and electronic navigation
It is a requirement of this insurance that you must: equipment) and televisions.
a. have planned to arrive at your departure point in advance
of your earliest scheduled check-in time and provide a written PLEASE NOTE THAT THESE ITEMS CAN OFTEN BE INSURED
report from the carrier, police or relevant transport authority ON A HOUSEHOLD POLICY ALL RISK SECTION WHERE
confirming the delay and stating its cause. THE FULL VALUE MAY BE COVERED WORLDWIDE 365 DAYS
b. obtain a report from repairers if your claim is because of A YEAR.
breakdown or accident to your car. vi. to baggage sent by post, freight or any other
form of unaccompanied transit.
Please also refer to the general exclusions and conditions. vii. to sports clothes and equipment whilst in use.
viii. caused by moth or vermin or by gradual wear and tear
SECTION 7 HIJACK in normal use.
You are covered up to the amounts shown in the benefits table ix. caused by any process of cleaning, repairing or restoring.
if the aircraft on which you are travelling as a passenger or the x. caused by leakage of powder or fluid from containers
crew of the aircraft are hijacked. carried in your baggage.
You are not covered for claims arising from you, your family h. mechanical or electrical breakdown.
or your business connections having been or being engaged in i. loss, theft or damage to business equipment, business goods,
illegal activities that could reasonably be expected to increase samples, tools of trade and any other items used in connection
the risk of hijack. with your business, trade, profession or occupation.
Please also refer to the general exclusions and conditions. Please also refer to the special exclusions and conditions
shown below and to the general exclusions and conditions.
SECTION 8 BAGGAGE
You are covered up to the amounts shown in the benefits SECTION 9 PERSONAL MONEY
table, after making reasonable allowance for wear, tear Cover under this section starts at the time of collection from
and depreciation for the loss or theft of, or damage to your the bank, or 72 hours prior to departure, whichever is the later.
baggage and your valuables, subject to the total limit for all
valuables and the maximum amount per item, pair or set as You are covered up to the amount shown in the benefits table
shown in the benefits table. for loss or theft of personal money, subject to the cash limit as
We may at our option replace, reinstate or repair the lost or shown in the benefits table.
damaged baggage. You are not covered for
You are also covered up to the amount shown in the benefits a. the amount of the excess shown in the benefits table in
table in respect of emergency purchases for the cost of respect of each claim.
buying necessary items (for example clothing, medication and b. loss or theft from an unattended motor vehicle at any time.
toiletries) if you are deprived of your baggage for more than c. more than the amount shown in the benefits table in respect
12 hours after arrival at your outbound destination. You must of cash carried by you whoever it may belong to.
provide receipts for the items that you buy. If your baggage d. any loss resulting from shortages due to error, omission or
is permanently lost, any amount that we pay for emergency depreciation in value or variations in exchange rates.
purchases will be deducted from the total claim. e. loss or theft of personal money whilst unattended unless
locked in a hotel safe (or equivalent facility) or locked in your
You are not covered for private accommodation.
a. the amount of the excess shown in the benefits table in
respect of each claim, except for emergency purchases. Please also refer to the special exclusions and conditions
b. more than the amount shown in the benefits table for any shown below and to the general exclusions and conditions.
one item, pair or set in respect of baggage and valuables.
c. any additional value an item may have because it forms part SECTION 10 LOSS OF PASSPORT
of a pair or set. You are covered up to the amount shown in the benefits table
d. baggage stolen from an unattended motor vehicle between following loss or theft of your passport for any additional
the hours of 8 p.m. and 8 a.m. or, if the theft occurs at any other necessary travel and accommodation costs, including the cost
time of day, unless the vehicle is being used for travel between of any emergency passports, visas or permits incurred to enable
different points of overnight accommodation. you to continue your trip or return to your home country.
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