GARDA TRAVEL CLUB Annual Travel Insurance Group Policy 2022 2023
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GARDA TRAVEL CLUB | ANNUAL TRAVEL INSURANCE GROUP POLICY
GARDA TRAVEL CLUB
Annual Travel Insurance Group Policy
2022 - 2023
Policy Number: WHIIL/B1/Garda/2022
HEALTH NOTICE
If You or any person who is traveling has a Medical Condition then You must declare that
condition to Our Medical Screening Line on +353 1 533 7354 for each and every Holiday
Please refer to the list of Automatically Accepted Medical Conditions which do not require
completion of the Medical Declaration.
TRAVEL ASSISTANCE
If an Insured Person needs medical assistance or advice during a Holiday
they should call the Emergency Assistance Service on +44 1733 224 892.
1 by the Central Bank of Ireland.
Blue Insurance Limited is regulated 03/22
SCHEDULE OF BENEFITS
CATEGORY A CATEGORY B CATEGORY C
Section / Description AGED AGED AGED
UNDER 69YRS 70-79YRS UNDER 18YRS
Section 1: Personal Accident
A Death: €10,000 €5,000 €5,000
B Loss of one or more limbs €20,000 €5,000 €5,000
C Loss of sight in one or both eyes €20,000 €5,000 €5,000
D Permanent Total Disablement €20,000 €5,000 €5,000
Maximum Limit: €20,000
Section 2: Medical Expenses
A Medical Expenses (not applicable to holidays in Ireland):
€10,000,000 €10,000,000 €10,000,000
Dental Expenses – for pain relief only: €500 €500 €500
Excess: €100 €100 €100
B Emergency Repatriation Expenses: Unlimited Unlimited Unlimited
Excess: € Nil € Nil € Nil
C Hospital Benefit (Per day) €30 €30 €30
Maximum payable: €420 €420 €420
D Other Travel Expenses €7,500 €7,500 €7,500
Excess: €100 €100 €100
Section 3: Personal Belongings
Personal Belongings: €2,000 €2,000 €2,000
Maximum any one article: €380 €380 €380
Maximum for Valuables: €380 €380 €380
Excess: €90 €90 €90
Delayed Belongings:
For each 24 hours delay: €50 €50 €50
Maximum payable €200 €200 €200
Section 4: Money
A Money: €500 €500 €100
Maximum in cash: €350 €350 €100
B Fraudulent use of Credit Cards: €500 €500 €500
C Emergency Replacement of Passport, Visa, Travel Documents or Driving Licence:
i) Loss of Passport, €500 €500 €500
ii) loss of visa, travel documents or driving licence: €250 €250 €250
Excess: €90 €90 €90
Section 5: Disruption
A i) Cancellation, Alteration or Curtailment: €4,500 €4,500 €4,500
ii) Cancellation due to airline strike €200 €200 €200
Excesses:
Loss of deposit: €30 €30 €30
Other claims: €90 €90 €90
B Delayed departure:
i) After each 12 hour period: €30 €30 €30
Maximum payable: €200 €200 €200
ii) Abandonment of Holiday after 24 hour delay €4,500 €4,500 €4,500
C Missed departure: €500 €500 €500
Excess: €90 €90 €90
D Hijack (Per day) €100 €100 €100
Maximum payable: €1,000 €1,000 €1,000
E Catastrophe €750 €750 €750
F End Supplier Failure €4,500 €4,500 €4,500
G Missed cruise connection: €750 €750 €750
Excess: €90 €90 €90
Section 6: Personal Liability
Limit of Liability: €2,000,000 €2,000,000 €2,000,000
Excess: €100 €100 €100
Section 7: Legal Expenses
Legal Expenses €30,000 €30,000 €30,000
Section 8: Winter Sports (max age 65 years)
A (i) Lost or damaged Winter Sports Equipment: €400 N/A €400
Excess: €90 N/A €90
(ii) Ski hire (Per day): €50 N/A €50
Maximum Payable: €300 N/A €300
B Unused ski pass or tuition fees following Accident or illness; or loss of ski pass (Per day): €50 N/A €50
Maximum Payable: €300 N/A €300
C Piste closure - lack of snow (Per day) €50 N/A €50
Maximum Payable: €500 N/A €500
D Piste closure (avalanche) €500 N/A €500
Excess: €90 N/A €90
E Additional expenses (avalanche) €100 N/A €100GARDA TRAVEL CLUB | ANNUAL TRAVEL INSURANCE GROUP POLICY
INSURER Data Protection
This Policy is underwritten by White Horse Insurance Ireland Blue Insurance Limited and its associated companies
dac. White Horse Insurance Ireland dac is registered in are committed to protecting Your privacy and personal
Ireland No 306045. White Horse Insurance Ireland dac’s information at all times and ensure that all personal data
Registered Office is Rineanna House, Shannon Free Zone, processed by Blue Insurance Limited in the course of
Shannon, County Clare, Republic of Ireland. administering Your policy is done so in compliance with the
relevant data protection legislation.
White Horse Insurance Ireland dac is regulated by the
Central Bank of Ireland. This can be checked by visiting their To administer Your policy Blue Insurance Limited will process
website - www.centralbank.ie and store information about You provided by the Garda
Holiday Club and/or You. This notice applies to anyone who
Claims is insured under this Travel Insurance policy and whose
personal information may be processed for the provision
To make a claim other than any claim for medical of insurance and related services. Personal information
emergencies please contact: may be used by Blue Insurance Limited for the purposes of
White Horse Insurance Ireland dac by either: arranging Your policy; including but not limited to customer
service, analysis, complaints handling and the detection and
Telephone: +353 1 533 7392 prevention of crime. The information You have supplied will
also be passed to the Underwriter for fulfilment of Your
Email: claims@white-horse.ie
insurance contract and for claims purposes. Please refer
Write: White Horse Insurance Ireland dac, to the Data Protection section contained further within the
Rineanna House, policy wording for further details on how the Underwriter
Shannon Free Zone, Shannon, County processes Your data.
Clare,
Republic of Ireland. You have various rights in relation to personal information
that is held by Blue Insurance Limited, including the right
To make a claim for a medical emergency please contact the to request access to Your personal information, the right
Emergency Assistance Service on +44 1733 224 892. to correct inaccurate personal information, or the right to
request the deletion or suppression of personal information.
Important COVID Policy Notice Please note that some of the above rights are subject to
This insurance policy is not designed to insure known or limitations in order for Blue Insurance Limited to comply with
publicly announced events. Restricted cover for COVID is legal or regulatory obligations.
provided under Section 5 - Disruption point A and Section This notice explains certain aspects of how Blue Insurance
2 - Medical Expenses and Other Travel Expenses only. Limited use Your information and what rights You have in
relation to Your personal information, however You can
Understanding This Policy obtain more information about how Blue Insurance Limited
This is Your travel insurance policy wording. The policy use Your data by reviewing the full Privacy Policy
wording contains details of the insurance cover We (https://www.blueinsurance.ie/PrivacyPolicy/IE/). Your data
provide. Please read the policy carefully to ensure that it will be treated in accordance with their Privacy Policy.
meets Your needs, the policy document outlines the cover,
what is not covered, conditions and exclusions and is the Travel Schedule
basis on which We settle all claims. In return for having Master Policy Number: WHIIL/B1/Garda/2022
accepted Your premium We will in the event of Bodily
Injury, Death, Serious Illness, loss, theft, damage or other Intermediary: Blue Insurance Limited, Plaza 255,
events happening within the Period of Insurance provide Blanchardstown Corporate Park 2, Blanchardstown, Dublin
insurance in accordance with the operative sections of Your 15.
policy. Each section of the policy details the cover provided. Insured: The Chairman of the Garda Travel Club.
This policy provides cover for specific reasons only as per
each section under “What This Policy Covers” and should be Address: 6th Floor, Phibsboro Tower, Dublin 7.
read together with “What This Policy Does Not Cover”, “Policy Business Description: Club for arranging holidays and
Conditions”, “Claims Conditions” and “Special Conditions”. travel insurance for members.
You should take time to read and understand the general
policy exclusions and policy conditions which apply to all Period of Insurance: From: 1st March 2022 To: 28th
sections of this policy. Any endorsements are all part of the February 2023.
policy. Premium: As agreed between the Insured, the Intermediary
and White Horse Insurance Ireland dac for specific periods.
Arranged by Premiums will be inclusive of 5% Government Levy or any
This exclusive travel insurance has been organised by Blue amendment thereof.
Insurance Limited. Plaza 255, Blanchardstown Corporate
Park 2, Blanchardstown, Dublin 15.
Blue Insurance Limited is regulated by the Central Bank of
Ireland.
3GARDA TRAVEL CLUB | ANNUAL TRAVEL INSURANCE GROUP POLICY
Category Definition of Insured Persons IMPORTANT CONDITIONS
A Any Member of the Garda Travel Club, under RELATING TO HEALTH
age 70 at the time the Holiday is booked.
Medical Screening Phone Number: +353 1 533 7354
B Any Member of the Garda Travel Club, under Quoting Reference: Garda Annual 2022
age 80 at the time the Holiday is booked. Please note certain medical conditions will incur an
C Any Child of a person described in Categories additional premium.
A or B. This insurance is designed to cover You for unforeseen
events, Accidents, Serious Illness or Bodily Injuries
Category Holiday occurring during Your Period of Insurance.
A Whilst travelling to, participating in and To ensure You are fully protected under this insurance
travelling from a Holiday. contract, You must contact Medical Screening within 14
B Whilst travelling to, participating in and days of each and every Holiday booking that You make to
travelling from a Holiday. declare Your Medical Condition(s).
C Whilst accompanying a person described in If You have any Medical Condition(s) or if the Medical
Categories A or B. Condition is not listed as an Automatically Accepted
Medical Condition, You must contact the Medical Screening
Maximum Holiday Duration Company on +353 1 533 7354 to declare ALL Your Medical
Conditions to ensure that the cover will meet Your needs.
i. Persons aged up to 69 years (at the time the
Holiday is booked) - 35 days any one Holiday.
Exclusions
ii. Persons aged 70 - 79 years (at the time the
Holiday is booked) - 31 days any one Holiday. PLEASE NOTE that cover cannot be offered for any Medical
Condition if You;
iii. Persons aged up to 69 years (at the time the
Holiday is booked) are able to extend their - have an undiagnosed Medical Condition;
Holiday duration to either 45 days or 60 days - are awaiting the results of medical tests or investigations;
(per Holiday) upon payment of an additional - are travelling against the advice of a Qualified Medical
Premium. Practitioner;
iv. Winter Sports Holidays – Persons under 66 - are travelling for the purpose of obtaining medical
years (at the time the Holiday is booked) - 21 treatment;
days total in any one Period of Insurance
- are on a Hospital or clinic waiting list;
- have been diagnosed with a terminal condition;
Please also note there is no cover for claims arising from
INTRODUCTION any psychological condition (including anxiety, stress,
All Insured Persons should take time to read all parts of depression, psychiatric or eating disorders, phobias).
the Policy to make sure it meets their needs and that they
understand the terms, conditions and exclusions. If the Relating to the Health of Non-
Insured Person wishes to change anything or if there is Travellers
anything they do not understand, they should contact the
Garda Travel Club. This insurance policy excludes cover for any claims arising
directly or indirectly from a Medical Condition (unless
The parts of this Policy are; shown in the Automatically Accepted Medical Conditions
• Schedule of Benefits list) of any person on whom travel depends unless the
person’s Qualified Medical Practitioner can state that,
• Introduction
on the date of booking a Holiday that he/she would have
• Important Conditions Relating to Health seen no substantial likelihood of the patient’s condition
• Policy Definitions deteriorating to such a degree to cause a necessary
• Sports and Activities cancellation or Curtailment claim. If the Qualified Medical
• What this Policy covers Practitioner will not confirm this, any claim arising from a
• What this Policy does not cover Medical Condition will be excluded.
• Policy Conditions All claims arising from a terminal prognosis, any set of
• Claims Notification and Conditions symptoms where a diagnosis has not been made and any
• Complaints procedures Medical Condition for which a non-traveller is on a waiting
list for or has knowledge of the need for surgery, treatment
• Data Protection Notice
or investigation at a Hospital, clinic or nursing home at the
time the Holiday is booked are automatically excluded.
4GARDA TRAVEL CLUB | ANNUAL TRAVEL INSURANCE GROUP POLICY
AUTOMATICALLY ACCEPTED (provided no malignancy)
I. Impetigo, Indigestion, Influenza (full recovery made),
MEDICAL CONDITIONS Ingrowing Toe-nail (Acronyx), Inguinal Hernia, Insomnia,
Please see the following lists for Medical Conditions which Intercostal Neuralgia (no admissions), Intertrigo, Irritable
do not require screening. Bowel Syndrome (IBS) (provided definite diagnosis made
and no ongoing investigations)
Part (I) K. Keinboeck’s Disease, Keratoconus, Knee Injury
Collateral/ cruciate ligaments, Knee Replacement (no
The following Medical Conditions (listed A to W) are
subsequent arthritis and never any dislocation of a joint
automatically covered provided that the Insured Person
replacement), Kohlers Disease
has no more than FIVE of these conditions simultaneously
L. Labyrinthitis, Laryngitis, Learning Difficulties, Leptothrix,
A. Abnormal Smear Test, Achilles Tendon Injury, Acne, Leucoderma, Lichen Planus, Ligaments (injury), Lipoma
Acronyx (Ingrowing Toe-nail), Adenoids, Allergic M. Macular Degeneration, Mastitis, Mastoidectomy
Rhinitis, Alopecia, Anal Fissure/Fistula, Appendectomy, (resolved must be all clear prior to travel if flying),
Astigmatism, Athlete’s Foot (Tinea Pedis), Attention Deficit Menopause, Menorrhagia, Migraine (provided definite
Hyperactivity Disorder diagnosis made and no ongoing investigations),
B. Bell’s Palsy (Facial Paralysis), Benign Prostatic Miscarriage, Mole(s), Molluscum Contagiosum, Myalgic
Enlargement, Bladder Infection (no ongoing treatment, Encephalomyelitis (ME) (if the only symptom is fatigue
no Hospital admissions), Blepharitis, Blindness, Blocked and no Hospital admissions), Myxoedema
Tear Ducts, Breast Fibroadenoma, Breast Cyst(s), Breast N. Nasal Infection, Nasal Polyp(s), Nettle Rash (Hives),
Enlargement/Reduction, Broken Bones (other than head Neuralgia (no Hospital admissions), Nosebleed(s),
or spine) - (no longer in plaster), Bunion (Hallux Valgus), Nystagmus
Bursitis,
O. Osgood-schlatter’s Disease, Osteochondritis,
C. Caesarean Section, Candidiasis (oral or vaginal), Carpal Otosclerosis, Overactive Thyroid
Tunnel Syndrome, Cartilage Injury, Cataracts, Cervical
P. Parametritis, Pediculosis, Pelvic Inflammatory Disease,
Erosion, Cervicitis, Chalazion, Chicken Pox (fully resolved),
Photodermatosis, Piles, Pityriasis Rosea, Post Viral
Cholecystectomy, Chronic fatigue syndrome (if only
Fatigue Syndrome (if the only symptom is fatigue
symptom is fatigue and no Hospital admissions),
and no Hospital admissions), Pregnancy (provided
Coeliac Disease, Cold Sore (Herpes Simplex), Common
no complications), Prickly Heat, Prolapsed Uterus
Cold(s), Conjunctivitis, Constipation, Corneal Graft,
(womb), Pruritis, Psoriasis (no Hospital admissions or
Cosmetic Surgery, Cyst Breast, Cyst Testicular, Cystitis (no
consultations)
ongoing treatment, no Hospital admissions), Cystocele
(fully recovered, no Hospital admissions), R. Repetitive Strain Injury, Retinitis Pigmentosa, Rhinitis
(Allergic), Rosacea, Ruptured Tendons
D. Dilation and Curettage (D & C), Deaf Mutism, Deafness,
Dental Surgery, Dermatitis (no Hospital admissions S. Salpingo-oophoritis, Scabies, Scalp Ringworm (Tinea
or consultations), Deviated Nasal Septum, Diarrhoea Capitis), Scheuermann’s Disease (provided no respiratory
and/or Vomiting (resolved), Dilatation and Curettage, issues), Sebaceous Cyst, Shingles (Herpes Zoster),
Dislocations (no joint replacement or Hospital Sinusitis, Skin Ringworm (Tinea Corporis), Sleep Apnoea
admissions), Dry Eye Syndrome, Dyspepsia, (no machine used to assist breathing), Sore Throat,
Sprains, Stigmatism, Stomach Bug (resolved), Strabismus
E. Ear Infections (resolved must be all clear prior to
(Squint), Stress Incontinence (no urinary infections)
travel if flying), Eczema (no Hospital admissions or
consultations), Endocervical Polyp, Endocervicitis, T. Talipes (Club Foot), Tendon Injury, Tennis Elbow,
Endometrial Polyp, Epididymitis, Epiphora (Watery Eye), Tenosynovitis, Termination of Pregnancy, Testicles
Epispadias, Epistaxis (Nosebleed), Erythema Nodosum, Epididymitis, Testicles Hydrocele, Testicles Varicocele,
Essential Tremor Testicular Cyst, Testicular Torsion (Twisted Testicle),
Throat Infection(s), Thrush, Thyroid Overactive,
F. Facial Neuritis (Trigeminal Neuralgia), Facial Paralysis
Thyroid Deficiency, Tinea Capitis (Scalp Ringworm),
(Bell’s Palsy), Femoral Hernia, Fibroadenoma, Fibroid
Tinea Corporis (Skin Ringworm), Tinea Pedis (Athlete’s
Uterine, Fibromyalgia, Fibromyositis, Fibrositis, Frozen
Foot), Tinnitus, Tonsillitis, Tooth Extraction, Toothache,
Shoulder
Torn Ligament, Torticollis (Wry Neck), Trichomycosis,
G. Gall Bladder Removal, Ganglion, Glandular Fever (full Trigeminal Neuralgia, Turner’s Syndrome, Twisted
recovery made), Glaucoma, Glue Ear (resolved must Testicle
be all clear prior to travel if flying), Goitre, Gout, Grave’s
U. Umbilical Hernia, Underactive Thyroid, Undescended
Disease, Grommet(s) inserted (Glue Ear), Gynaecomastia
Testicle,Urethritis (fully recovered, no Hospital
H. Haematoma (external), Haemorrhoidectomy, admissions), URTI (Upper Respiratory Tract infection)
Haemorrhoids (Piles), Hallux Valgus (Bunion), Hammer (resolved, no further treatment), Urticaria, Uterine
Toe, Hay Fever, Hernia (not Hiatus), Herpes Simplex Polyp(s), Uterine Prolapse
(Cold Sore), Herpes Zoster (Shingles), Hip Replacement
V. Varicocele, Varicose Veins - legs only, never any ulcers
(no subsequent arthritis and never any dislocation of
or cellulitis (if GP has confirmed that client is fit to travel),
a joint replacement), Hives (Nettle Rash), Housemaid’s
Vasectomy, Verruca, Vitiligo
Knee (Bursitis), HRT (Hormone Replacement Therapy),
Hyperthyroidism (Overactive Thyroid), Hypospadias, W.Warts (benign, non-genital), Womb Prolapse (uterus),
Hypothyroidism (Underactive Thyroid), Hysterectomy Wry Neck (Torticollis).
5GARDA TRAVEL CLUB | ANNUAL TRAVEL INSURANCE GROUP POLICY
Part (II) POLICY DEFINITIONS
If the Insured Person has no more than FIVE of the Medical Whenever the following words or phrases appear in bold
Conditions listed simultaneously on Our ‘Automatically font and start with a capital letter, they will have the meanings
Accepted Conditions List’ (listed A to W above), the Insured as described below
Person will be automatically accepted for cover, provided
that the Insured Person does NOT have more than ONE of €
the following Medical Conditions and You must NOT have means Euro
ANY other Medical Condition(s).
Abroad
Arthritis (Juvenile, Osteoarthritis, means outside Ireland
Rheumatoid or Psoriatic Arthritis, Reiter’s
Syndrome, Rheumatism): Accident & Accidental
means a sudden identifiable violent external event which
• There must have been NO Hospital admissions within the
happens by chance and which could not be expected, or
last 12 months.
unavoidable exposure to severe weather.
• Must NOT affect the back more than any other area of the
body. Accommodation
• No more than 2 medications. means Accommodation of a standard up to but not
• No mobility aids (other than walking stick or frame). exceeding that in which the Insured Person was or would
• There must have been NO dislocations of any joint have been staying during the course of the Holiday.
replacements.
• Must NOT be awaiting surgery.
Bodily Injury
means injury which is caused solely by Accidental means
• Must have NO lung problems/respiratory disorders.
and which independently of Illness or any other cause,
Asthma (Wheezing): occurs within 12 months from the date of the Accident.
• There must have been NO Hospital admissions EVER.
Business Equipment
• Must have been diagnosed prior to age 50.
means any articles used primarily for business purposes,
• Must be controlled with no more than 2 medications (NO which are the property of the Insured Person or their
nebuliser, NO home oxygen). employer including office equipment which is portable by
• Must have been a non-smoker for at least 12 months. design including, but not restricted to, personal computers,
• Must always be able to walk 200 yards on the flat without telephones and calculators.
becoming short of breath.
Child/Children
Diabetes Mellitus (Sugar Diabetes):
means the offspring of the Principle Insured Person or the
• Type 2 (Non-Insulin-Dependent Diabetes Mellitus) only. offspring of their Partner, including a step child(ren), a legally
• Controlled by diet alone or by no more than 1 medication adopted or fostered child(ren) or a child(ren) for whom the
(no Insulin). Principle Insured Person or their Partner is the Parent or
• There must have been NO Hospital admissions or Legal Guardian each of whom must:
diabetic complications EVER. 1. be over 3 months and under 18 years of age (or under
• Must have been a non-smoker for at least 12 months. 23 years of age if still in Full-time education) on the time
Hypercholesterolaemia (High/Raised the Holiday is booked;.
2. be dependent on the Principle Insured Person or
Cholesterol): their Partner even if he or she does not live with either
• No more than 1 medication. of them; and
• Must NOT be the inherited (genetic) form. 3. not be married.
• Must have been a non-smoker for at least 12 months. If the Insured Person is aged under 18 years of age then
Hypertension (High Blood Pressure, White cover will apply if they are travelling:
Coat Syndrome): a) in the company of an adult (i.e. someone not defined
• No more than 2 medications. as a Child under this Policy) known to their parent(s)
(other than on an organised school, college or
• There must have been no change in treatment within the university trip); or
last 6 months.
b) as an unaccompanied minor on a scheduled air
• Must have been a non-smoker for at least 12 months. service which operates an unaccompanied minor
Hypotension (Low Blood Pressure): scheme, and then only if they are travelling with the
• Must NOT be associated with any underlying condition. intention of joining, or being subsequently joined by,
another adult insured under this Policy.
Osteoporosis (Osteopaenia, Fragile Bones): If the Insured Person is aged 18 or over but under 23 and in
• There must have been no broken bones within the last 5 Full Time Education then they are covered to travel alone.
years.
• There must have been NO vertebral (backbone) fractures. Close Business Associate:
means any person whose absence from business for one
or more complete days at the same time as the absence
the Insured Person prevents the proper continuation of
that business.
6GARDA TRAVEL CLUB | ANNUAL TRAVEL INSURANCE GROUP POLICY
Close Relative: • Eurotunnel;
• Excursions;
means Partner, mother, father, sister, brother, daughter,
• Hotels;
son, grandparent, grandchild, parent-in-law, son-in-law,
• Railway journeys including the Eurostar;
daughter-in-law, sister-in-law, brother-in-law, aunt, uncle,
• Safaris;
niece, nephew, step parent, step child, step sister, step
• Scheduled airlines;
brother, foster child, legal guardian, next of kin or fiancé/
• Theme parks such as Disneyland Paris;
fiancée.
• Villa’s Abroad & cottages.
Complications of Pregnancy Costs resulting from the insolvency of the booking agent or
means toxaemia, gestational hypertension, pre-eclampsia, consolidator is not included.
ectopic pregnancy, hydatidiform mole, (molar pregnancy), Event
post partum haemorrhage, retained placenta membrane,
placental abruption, hyperemesis gravidarum, placenta means all instances of loss arising out of and directly
praevia, per vaginal bleeding, miscarriage or threatened occasioned by one sudden, unexpected, unusual and
miscarriage, medically necessary emergency Caesarean specific event occurring at an identifiable time and place.
section, medical necessary termination and premature
births. This definition is only applicable if the complication
Excess
occurs more than 8 weeks (or 16 weeks in the case of a means the amount of each and every claim that the Insured
known multiple pregnancy) prior to the expected delivery Person must pay, as shown in the Schedule, for each section
date. of the Policy.
COVID Full Time Education
means COVID-19, coronavirus disease, severe acute means a programme of learning provided by a recognised
respiratory syndrome coronavirus SARS-COV-2) or any educational body, which leads to a qualification by
mutation or variation of these. examination or assessment which is either:
full-time study; or
Curtailment/Curtail/Curtailed
means either: a mixture of study and work experience as long as at least
two thirds of the total time for the course is spent on study.
a) abandoning or cutting short the Holiday by immediate
direct early return to Ireland in which case claims will Hijack / Hijacked
be calculated from the day You returned to Ireland means unlawful seizure or taking control of an aircraft or
and based on the number of complete days of Your conveyance in which the Insured Person is travelling as a
Holiday You have not used; or; passenger.
b) by attending a Hospital Abroad as an In-patient or
being confined to Your Accommodation Abroad on Holiday
the orders of a Qualified Medical Practitioner, in means trip(s) involving travel and Accommodation, devoted
either case for a period in excess of 48 hours. Claims entirely to pleasure, rest, or relaxation, where travel begins
will be calculated from the day You were admitted and ends in Ireland.
to Hospital or confined to Your Accommodation
and based on the number of complete days for The maximum duration of any one Holiday is as follows:
which You were hospitalised or confined to Your 1. Persons aged up to 69 years (at the time the Holiday is
Accommodation. booked) - 35 days any one Holiday.
Please note that in respect of travel expenses, We will pay for 2. Persons aged 70 - 79 years (at the time the Holiday is
Your additional travel costs only and not for the loss of Your booked) - 31 days any one Holiday.
pre-booked travel arrangements. If You have not purchased
3. The maximum number of days for Winter Sports
a return flight then no cover exists for You to claim for the
Holidays (cover for which is limited to those aged under
cost of Your return flight.
66 at the time the Policy was issued) in any one Period
Death of Insurance is 21 days.
means death caused by Bodily Injury. Hospital
means any establishment which is registered or licensed
Due To as a medical or surgical Hospital in the country in which
means directly or indirectly, caused by or resulting from, in it is located and where the Insured Person is under the
connection with. constant supervision of a Qualified Medical Practitioner.
End Supplier Failure Hospital Confinement
means the insolvency of any travel arrangements booked means any continuous period of 24 hours or more during
in Ireland (not forming part of an inclusive Holiday and not which time the Insured Person has been confined to
bonded or insured already) including: Hospital.
• Camper rental; Illness
• Caravan sites / campsites / mobile homes;
• Car ferries; means any disease, infection or Bodily Injury which is
• Car hire; unexpectedly contracted by You prior to Your Holiday or
• Coach journeys; unexpectedly manifests itself for the first time during Your
• Cruises; Holiday.
7GARDA TRAVEL CLUB | ANNUAL TRAVEL INSURANCE GROUP POLICY
Incidental Basis Loss of Sight
means that the sport or activity You are taking part in on means when the degree of sight remaining after correction
Your Holiday is on a strictly amateur basis and is not the is 3/60 or less on the Snellen Scale (which means the
specific reason for You going on Your Holiday. Insured Person is only able to see at 3 feet that which
they should normally be able to see at 60 feet) and White
In-patient Horse Insurance Ireland dac is satisfied that the condition is
means an Insured Person whose Hospital Confinement permanent and without expectation of recovery.
is as a resident bed patient, for whom a clinical case record
has been opened and whose confinement is necessary Maximum Limit
for the medical care, diagnosis and treatment of an Illness means the maximum amount shown in the Schedule of
or Bodily Injury covered by this Policy and not merely for Benefits payable for any Insured Person for all Bodily
any form of nursing, convalescence, rehabilitation, rest or Injury arising from any one Accident.
extended-care.
Medical Condition(s)
Insured means any disease, Bodily Injury or Illness.
means the person, firm, company or organisation named in
the Schedule. Money
means coins, bank notes, postal or money orders, signed
Insured Person / You / Your travellers cheques and other cheques, letters of credit, travel
means any person or category of persons described under tickets, petrol coupons or other prepaid coupons which
this heading in the Schedule. belong to or are in the custody and control of an Insured
Person and are intended for travel, meals, Accommodation
Ireland; Irish and personal expenditure only.
means the Republic of Ireland.
Nuclear, Chemical or Biological Weapons
Irrecoverable or Agents
means that We will only cover costs that You have not means the use of any nuclear weapon or device or the
already recovered or which You are not entitled to recover emission, discharge, dispersal, release or escape of any solid,
from another third party. liquid or gaseous Chemical Agent and/or Biological Agent.
Legal Expenses Out-patient
means: means an Insured Person whose treatment for an Illness
1. fees, expenses, costs/expenses of expert witnesses or Bodily Injury does not necessitate confinement in a
and other disbursements reasonably incurred by the Hospital.
Legal Representatives in pursuing a claim or legal
proceedings for damages and/or compensation against Parent or Legal Guardian
a third party who has caused Accidental Bodily Injury means a person with parental responsibility, or a legal
to or Illness of an Insured Person or in appealing or guardian, both being in accordance with the law of Ireland.
resisting an appeal against the judgement of a court,
tribunal or arbitrator; and/or Partner
2. costs for which an Insured Person is legally liable means an Insured Person who is:
following an award of costs by any court or tribunal or 1. The Principle Insured Person’s spouse.
an out of court settlement made in connection with any
2. The Principle Insured Person’s civil partner registered
claim or legal proceedings.
pursuant to the Civil Partnership and Certain Rights and
Legal Representatives Obligations of Cohabitants Act 2010; or
means the solicitor, firm of solicitors, lawyer, advocate or 3. The Principle Insured Person’s cohabiting Partner
other appropriately qualified person firm or company (as defined in the Civil Partnership and Certain Rights
appointed to act on behalf of the Insured Person. and Obligations of Cohabitants Act 2010) i.e. an adult
of the same or opposite sex who has lived with The
Loss of Hearing Principle Insured Person’s in an intimate relationship
means total deafness confirmed by audiometer and sound for five years, or for two years where there is a Child or
threshold tests. Children of the relationship.
4. someone of either sex with whom the Principle
Loss of Limb Insured Person has been living for at least three
means in respect of: months as though they were the Principle Insured
Person’s spouse or civil partner.
a) an arm – amputation or complete and permanent loss
of use - at or above the wrist; Period of Insurance
b) a leg – amputation or complete and permanent loss of means the period between and inclusive of the dates shown
use - at or above the ankle (talo-tibial joint). ‘from’ and ‘to’ in the Policy Schedule commencing at 00.00
hours on the earliest date shown and expiring at midnight
on the latest date shown for which White Horse Insurance
Ireland dac has accepted the appropriate Premium. Both
dates refer to local standard time at the address of the
Insured as shown in the Policy Schedule.
8GARDA TRAVEL CLUB | ANNUAL TRAVEL INSURANCE GROUP POLICY
Permanent Total Disablement Travelling Companion
means disablement which: means a person(s) with whom the Insured Person has
booked to travel or is travelling with on the same booking
1. has lasted for at least 12 months; and
invoice.
2. which in the professional medical opinion of a Qualified
Medical Practitioner is beyond hope of recovery; and Unattended
3. will in all probability continue for the remainder of the means when the Insured Person cannot see or are not
Insured Person’s life; and close enough to their Personal Belongings, Valuables,
4. will prevent the Insured Person from engaging in or Money, property or vehicle to stop it being damaged or
giving attention to business profession or occupation of stolen
any and every kind for the remainder of their life.
Valuables
Personal Belongings
means jewellery, gold, silver, precious metal(s), precious
means personal articles which are the property of the or semiprecious stone articles, watches, telescopes, items
Insured Person; or property, other than Business made of leather (including designer footwear, handbags or
Equipment, for which they are responsible; and which are purses), binoculars, sunglasses, reading/prescription glasses,
taken on or acquired during the Holiday. furs, cameras, camcorders, photographic audio video
Premium computer television or telecommunications equipment
(including mobile phones, mobile phone accessories, smart
means the amount specified or referred to in the Schedule phones, personal digital assistant(s), blackberries, iPods,
in respect of the specified Period of Insurance which is iPads, laptops, tablets, personal organizer’s, notebooks,
payable by the Principle Insured Person to White Horse netbooks, kindles, eBooks, eReaders, CD’s, DVD’s, memory
Insurance Ireland dac; any additional Premium payable for cards, speakers or headphones, Nintendo DS, games
additional or extended cover. console, computer games and associated equipment).
Principle Insured Person War
means the Insured Person who applies for this insurance means armed conflict between nations, invasion, act of
on their own behalf and on behalf of others – typically their foreign enemy, hostilities (whether war declared or not), civil
Partner and/or Children. war, rebellion, revolution, insurrection or military or usurped
power.
Public Transport
means any publicly licensed aircraft, sea vessel, train or We/Us/Our
coach on which You are booked to travel. means White Horse Insurance Ireland dac Registered in
Ireland No 306045. Registered Office, Rineanna House,
Qualified Medical Practitioner Shannon Free Zone, Shannon, County Clare, Republic Of
means a practicing member of the medical profession, Ireland.
a doctor or specialist, registered or licensed to practice
medicine under the laws of the country in which they Winter Sports
practice who is neither: means the following:
1. an Insured Person; or 1. skiing (including skiing outside the area of the normal
2. a relative of the Insured Person or any person who compacted snow ski slope i.e. ‘off-piste’);
the Insured Person is travelling with unless approved 2. tobogganing;
by Us.
3. snow boarding;
Rearrangement Costs 4. ice skating (other than on an indoor rink);
means all reasonable costs incurred in transporting the 5. ski or ski bob racing;
original Insured Person to complete the Curtailed Holiday 6. mono skiing;
provided that such costs shall be limited to economy fare 7. ski jumping;
travel and other essential expenses in transportation of the
8. ski boarding;
original Insured Person to the point at which the original
Holiday was Curtailed. The Holiday must be continued 9. ice hockey; or
within six months of the original Curtailment. 10. the use of bobsleighs or skeletons.
Ski Equipment
means skis (including bindings), ski boots, ski poles,
snowboards, snowboard bindings and snowboard boots.
Terrorism
means an act, including but not limited to the use of force
or violence and/or the threat thereof, of any person or
group(s) of persons, whether acting alone or on behalf of
or in connection with any organisation(s) or government(s),
committed for political, religious, ideological or ethnic
purposes or reasons including the intention to influence any
government and/or to put the public, or any section of the
public, in fear.
9GARDA TRAVEL CLUB | ANNUAL TRAVEL INSURANCE GROUP POLICY
SPORTS AND ACTIVITIES - GRADE 1 • PADI Advanced Open Water – 30 metres*
• BSAC Ocean Diver – 20 metres
The Insured Person is covered under the Personal • BSAC Sports Diver – 30 metres*
Accident and Medical Expenses Sections for the following • BSAC Dive Leader – 30 metres*
activities automatically, provided that the activity is on an
White Horse Insurance Ireland dac must agree with any
Incidental Basis.
equivalent qualification. If the Insured Person does not hold
Archery professional administrative a qualification, White Horse Insurance Ireland dac will only
Badminton or clerical duties only) cover the Insured Person to dive to a depth of 18 metres.
Baseball Orienteering
Basketball Paintballing + The Insured Person will not be covered under this policy
Beach Games Parascending/Parasailing if the Insured Person travels by air within 24 hours after
Bungee Jump (1) (over water) participating in Scuba Diving.
Camel/Elephant Riding+ Pony Trekking – wearing a * For the purposes of diving under Sports and Activities:
Canoeing (Grade 1-3) – Life helmet Grade 1.
jacket and helmet must be Quad biking up to 50cc
worn (wearing a crash helmet, no + Cover under Section 6 - Personal Liability for those
Clay Pigeon Shooting+ racing)+ sports and activities marked with a + is excluded.
Cricket Racquetball
Cycling (excluding Mountain Rambling (under 2,000
Biking) - a helmet must be metres altitude)
SPORTS AND ACTIVITIES - GRADE 2
worn in any country where it River Canoeing (Up to Grade Cover in respect of Sports and Activities Grade 2 only
is required by law. 3) – Life jacket and helmet operates if the appropriate extension has been chosen and
Dinghy Sailing+ must be worn the appropriate additional Premium has been paid.
Fell Walking Roller Skating The Insured Person can be covered under the Personal
Fencing Roller Blading Accident and Medical Expenses Sections for the following
Fishing Rounders activities provided that the activity is on an Incidental Basis
Flying as a fare paying Rowing (unless stated otherwise below) and subject to an additional
passenger in a fully licensed Running – sprint/long Premium being paid and shown on the Policy Schedule.
passenger carrying aircraft distance
Football Safari (Ireland/UK Medical Excess increased to €320
Golf organised) Personal Accident Sum insured reduced by 50%
Hiking (under 2,000 metres Sail Boarding Personal Liability Cover is Excluded
altitude) Sailing within territorial Boxing Training (no contact) Rambling/Trekking between
Hockey waters + 2,001m and 4,200m
Bungee Jump (up to 3
Horse Riding (up to 7 days, Scuba Diving* down to Safari (non-Ireland/UK
additional)
no Polo, Hunting, Jumping) – 30 metres if qualified organised)
Black Water Rafting (Grade 1
wearing a helmet and not diving alone or Scuba Diving* (non-
to 4) Life jacket and Helmet
Ice Skating (Rink) accompanied by a qualified Incidental Basis/
must be worn
Jet Boating + instructor (see notes below) down to 50m if qualified
Camel/Elephant Riding/
Jet Skiing+ Skate Boarding and not diving alone or
Trekking (non-Incidental
Jogging Snorkelling accompanied by a qualified
Basis)
Kayaking (Grades 1 to 3) – Squash instructor (see notes below)
Cycle Touring
Life jacket and helmet must Surfing (under 14 days) Sea Canoeing – Life jacket
Go Karting (specific use)
be worn Tennis and Helmet must be worn
Horse Riding – wearing a
Manual Work (bar and Tour Operator Safari Sea Fishing (non-Incidental
helmet (no Polo, Hunting,
restaurant work amateur Track Events Basis)
Jumping)
musicians and singers, Trekking (under 2,000 Surfing
Hot Air Ballooning –
chalet maids, au pair/ nanny, metres altitude) Tandem Skydive (up to 2
organised pleasure rides
retail work, fruit picking and Volleyball jumps maximum)
only (non-Incidental Basis)
occasional light manual War Games + (with eye Triathlon (non iron man)
Jet Skiing (non-Incidental
work at ground level but protection) White Water Rafting (Grade
Basis)
excluding the use of power Water Polo 4) – Life jacket and Helmet
Martial Arts (Training only)
tools or machinery)**+ Water Skiing must be worn
Mountain Biking
Marathon Running White Water Rafting (Grades Waterskiing/Windsurfing/
Parascending/Parasailing
Motorcycling up to 125cc 1 to 3) Snorkelling (non-Incidental
(over water, non-Incidental
(with the appropriate Irish Windsurfing Basis)
Basis)
motorcycle licence, wearing Winter Sports (non-
a crash helmet, no racing) + Incidental Basis) Scuba diving – scuba diving to the following depths.
Netball Yachting (racing/crewing Provided the Insured Person is diving under the
Non manual work (Including inside territorial waters)+ direction of an accredited dive marshal, instructor or
guide. Alternatively, if qualified, within the guidelines of
* Scuba diving – scuba diving to the following depths. the relevant diving or training agency or organization
Provided the Insured Person is diving under the and not diving alone:
direction of an accredited dive marshal, instructor or • PADI Open Water – 18 metres
guide. Alternatively, if qualified, within the guidelines of • PADI Advanced Open Water – 30 metres
the relevant diving or training agency or organization • BSAC Ocean Diver – 20 metres
and not diving alone: • BSAC Sports Diver – 35 metres*
• PADI Open Water – 18 metres • BSAC Dive Leader – 50 metres*
10GARDA TRAVEL CLUB | ANNUAL TRAVEL INSURANCE GROUP POLICY
White Horse Insurance Ireland dac must agree with any
equivalent qualification. If the Insured Person does not hold
WHAT THIS POLICY COVERS
The cover provided by these sections or sub-sections
a qualification, White Horse Insurance Ireland dac will only
will apply only to losses occurring during a Period of
cover the Insured Person to dive to a depth of 18 metres.
Insurance and if a benefit amount is shown in the
The Insured Person will not be covered under this policy relevant section or sub-sections in the Schedule.
if the Insured Person travels by air within 24 hours after
participating in Scuba Diving. Section 1: Personal Accident
* For the purposes of diving under Sports and Activities: If an Accident occurs during the Holiday that causes Bodily
Grade 2. Injury to an Insured Person which results in:
a) Death
SPORTS AND ACTIVITIES - GRADE 3 b) Loss of Limb one or more
Cover in respect of Sports and Activities Grade 3 only c) Loss of sight in one or both eyes
operates if the appropriate extension has been chosen and d) Permanent Total Disablement
the appropriate additional Premium has been paid. White Horse Insurance Ireland dac will pay the Insured
The Insured Person can be covered under the Personal Person the amounts shown in the Schedule of Benefits.
Accident and Medical Expenses Sections for the following
activities provided that the activity is on an Incidental Basis Special Conditions
(unless stated otherwise below) and subject to an additional 1. White Horse Insurance Ireland dac will not pay more
Premium being paid and shown on the Policy Schedule. than one of the benefits a) to d) in respect of any one
Insured Person for Bodily Injury arising from the same
Medical Excess increased to €650
Event.
Personal Accident Sum insured reduced by 50%
Personal Liability Cover is Excluded 2. White Horse Insurance Ireland dac will not pay more
than the Maximum Limit for benefits a) to d) as shown
Abseiling motorcycle licence, wearing in Section 1 Personal Accident of the Schedule of
a crash helmet, no racing) Benefits for any one Insured Person arising from the
American Football
Paragliding same Event.
Canoeing (Grade 4) – Life
Rambling/Trekking between 3. The Maximum Limit payable in respect of Death of
jacket and Helmet must be
4,201m and 6,000m an Insured Person under 18 years of age (or under 23
worn
(professionally organised years of age if in Full Time Education) shall not exceed
GAA Football (non
trips with experienced €10,000.
Incidental Basis)
operators, maximum age
GAA Hurling (non 4. If the Insured Person was already disabled before the
45 years)
Incidental Basis) Accident or already had a condition which is gradually
Rugby
Gliding getting worse, White Horse Insurance Ireland dac may
Sand Yachting
Kayaking (Grade 4) – Life reduce its payment. Any reduced payment will be
Yachting (racing/crewing)
jacket and Helmet must be based on White Horse Insurance Ireland dac’s medical
outside territorial waters –
worn assessment of the difference between: a) the disability
Life jacket must be worn
Motorcycling over 125cc after the Accident; and b) the extent to which the
Zip Lining/Trekking (safety
(non-Incidental Basis – disability is affected by the disability or condition before
harness must be worn)
with the appropriate Irish the Accident.
5. Any contributory degenerative condition or disablement
SPORTS AND ACTIVITIES - GRADE 4 (as determined by a Qualified Medical Practitioner)
Cover in respect of Sports and Activities Grade 4 only known by the Insured Person to be in existence at
operates if the appropriate extension has been chosen and the time of sustaining Bodily Injury will be taken into
the appropriate additional Premium has been paid. account by White Horse Insurance Ireland dac in
assessing the level of benefit payable.
The Insured Person can be covered under the Personal
Accident and Medical Expenses Sections for the following Section 2: Medical Expenses and
activities provided that the activity is on an Incidental Basis
(unless stated otherwise below) and subject to an additional
Other Travel Expenses
Premium being paid and shown on the Policy Schedule. Important COVID Notice: Restricted cover for COVID is
provided under ‘Section 2: Medical Expenses and Other
Medical Excess increased to €650 Travel Expenses’. This insurance policy provides cover for
Personal Accident Sum insured reduced by 50% medical expenses and other travel expenses including
Personal Liability Cover is Excluded COVID whilst Abroad for specific reasons only. Please note
Canyoning Parachuting that even if You claim for a reason that is unforeseen or out
Parasailing/Parascending of Your control, there is no cover under this insurance policy
Hang Gliding
(over land, non-Incidental unless the reason is listed under the following sections (A
High Diving under 5m
Basis) to D): A. Medical Expenses Incurred Outside Ireland, B.
(excluding cliff diving)
Rock Climbing (under Emergency Repatriation Expenses, C. Overseas Hospital
Horse Jumping – wearing a
2,000m) Confinement or D. Other Travel Expenses.
helmet (no Polo, Hunting)
Rock Scrambling (under
Kite Surfing
4,000m)
Micro Lighting
11GARDA TRAVEL CLUB | ANNUAL TRAVEL INSURANCE GROUP POLICY
Special provision applicable to Section 2 the sum insured shown in the Schedule of Benefits less the
deduction of any Excess.
Other than in the case of a medical emergency where
immediate action is required to avert serious health or life C. Overseas Hospital Confinement
threatening consequences, the Insured Person must first
contact the Emergency Assistance Service (+44 1733 224 After admission to a Hospital as an In-Patient for a
892) for advice and assistance prior to incurring any costs continuous period of 24 hours or more on the advice of
described hereafter. and under the constant supervision of a Qualified Medical
Practitioner. White Horse Insurance Ireland dac will pay the
Failure to seek such prior advice and assistance may result Insured Person the Benefit Amount shown in the Schedule
in White Horse Insurance Ireland dac declining to pay for any of Benefits for each complete twenty-four hour period of
costs incurred. such Hospital Confinement up to the maximum benefit
If the Insured Person becomes ill, suffers Bodily Injury shown in the Schedule of Benefits.
or Complications of Pregnancy during a Holiday, White
Horse Insurance Ireland dac will pay the Insured Person up D. Other Travel Expenses
to the amounts shown in the Schedule of Benefits less the All reasonable additional costs necessarily incurred following
deduction of any Excess amount shown in the Schedule of the Death, Bodily Injury or Illness of an Insured Person
Benefits for any one Holiday in respect of: for:
A. Medical Expenses Incurred Outside 1. travel and Accommodation of up to two relatives, or
friends of the Insured Person who on medical advice
Ireland from a Qualified Medical Practitioner are advised to
All reasonable costs necessarily incurred outside Ireland travel to or remain with the Insured Person.
for Hospital, nursing home, ambulance, surgical or other 2. funeral expenses incurred in the burial or cremation of
diagnostic or remedial treatment given or prescribed by a the Insured Person Abroad.
Qualified Medical Practitioner. 3. transporting the Insured Person’s body or ashes for
For medical expenses incurred in the United States of burial in Ireland.
America (USA), White Horse Insurance Ireland dac will only
pay for reasonable and necessary emergency treatment, Section 3: Personal Belongings
surgical, Hospital and transportation costs in accordance If the Insured Person sustains loss of or damage to Personal
to the negotiated rate with the provider, if one exists. If no Belongings during a Holiday White Horse Insurance Ireland
negotiated rate with a provider exists, then White Horse dac will pay the Insured Person in respect of such loss or
Insurance Ireland dac will pay a maximum amount of 150% damage up to the amount shown in the Schedule of Benefits
of the USA Medicare rate. less the deduction of any Excess amount shown in the
Schedule of Benefits for any one Holiday provided that:
Dental treatment is provided for the immediate relief of
pain (to natural teeth only) up to a limit of €500 provided 1. any item that is lost or stolen, the Insured Person must,
that such treatment is necessarily incurred by reason of a as soon as possible and in any Event within 48 hours
medical or dental emergency. of the loss or theft being discovered notify the loss to
the Police or other appropriate authorities and obtain a
White Horse Insurance Ireland dac will normally arrange written loss report
for the Insured Person to be admitted to a Hospital
for treatment in a public ward. Private treatment will be 2. on the happening of any loss or damage White Horse
considered only where it is deemed necessary e.g. where, in Insurance Ireland dac shall be entitled:
the opinion of White Horse Insurance Ireland dac, treatment a) to take and keep possession of any article and to deal
in a public ward cannot be facilitated or cannot provide the with salvage in a reasonable manner
treatment within a reasonable period of time. b) at its own option to repair or replace any article for
which it is liable
White Horse Insurance Ireland dac will only pay for any one
loss under this Section for expenses up to one year from 3. in the Event of total loss or destruction of any article of
the date of Bodily Injury or commencement of Illness up Personal Belongings the basis of settlement shall be
to the sum insured shown in the Schedule of Benefits less the cost of replacing the article as new provided that:
the deduction of any Excess provided that other than in the a) the replacement article is substantially the same but
case of an emergency where immediate action is required not better than the original article when new
to avert serious health or life threatening consequences, b) proof of purchase/ownership is provided for articles
the Insured or the Insured Person must first contact the valued in excess of €200
Emergency Assistance Service for advice and assistance to c) the receipt for the replacement item is provided
be taken prior to incurring any costs. d) if an Insured Person cannot evidence their ownership
of a Personal Belonging, then a deduction will be
B. Emergency Repatriation Expenses made for wear, tear and depreciation in the value of
All reasonable costs necessarily incurred in repatriating the that Personal Belonging.
Insured Person to the most suitable Hospital or to the
Insured Person’s home address in Ireland provided that
Delayed Belongings
such repatriation is medically necessary and organised by If access is denied to all or part of the Insured Person’s
the Emergency Assistance Service. Personal Belongings for more than the number of hours
shown in the Schedule of Benefits during any stage of a
White Horse Insurance Ireland dac will only pay for any one Holiday (other than the final return stage to Ireland) for any
loss under this Section for expenses up to one year from reason outside the Insured Person’s control, White Horse
the date of Bodily Injury or commencement of Illness up to Insurance Ireland dac will reimburse the Insured Person in
12GARDA TRAVEL CLUB | ANNUAL TRAVEL INSURANCE GROUP POLICY
respect of sums paid for the purchase of essential items of This insurance policy provides cover for cancellation and
replacement clothing or toilet requisites up to the amount Curtailment of Your Holiday for specific reasons only.
shown in the Schedule of Benefits. Any amounts paid under Please note that even if You claim for a reason that is
this Delayed Belongings benefit will be deducted from any unforeseen or out of Your control, there is no cover under
subsequent amounts payable under this section in respect this insurance policy unless the reason is listed under the
of the same loss. “A. (i) Cancellation, Curtailment or Alteration of Itinerary
Expenses” section below.
Section 4: Money A. (i) Cancellation, Curtailment or Alteration
A. of Itinerary Expenses
If the Insured Person sustains loss or damage to Money If an Insured Person is forced to:
during a Holiday, White Horse Insurance Ireland dac will pay
i) cancel any part of a planned Holiday prior to the
the Insured Person in respect of such loss up to the amount
commencement of that Holiday: or
shown in the Schedule of Benefits less the deduction of any
Excess amount shown in the Schedule of Benefits for any ii) Curtail or alter the itinerary or any part of a
one Holiday planned Holiday:
as the direct and necessary result of:
provided that in respect of:
a) the death, Bodily Injury, Illness or Complications of
the Money that is lost or stolen, the Insured Person must
Pregnancy of:
within 48 hours of the loss or theft being discovered notify
the loss to the Police or other appropriate authorities and i) the Insured Person
obtain a written loss report. ii) the Insured Person’s Travelling Companion
iii) any person with whom the Insured Person has
B. Fraudulent Use of Credit, Debit or arranged to reside temporarily
Charge Cards iv) the Insured Person’s Close Relative
If during a Period of Insurance the Insured Person sustains v) the Insured Person’s Close Business Associate
financial loss directly as a result of a credit, debit or charge b) You or Your Travelling Companion receiving a
card being lost or stolen during a Holiday and subsequently diagnosis of COVID within 14 days of the start of the
being used fraudulently by any person other than:- Holiday or in the case of being admitted to Hospital
i) the Insured Person; or with a COVID diagnosis within 28 days of the start
of the Holiday as certified by a Qualified Medical
ii) a member of the Insured Person’s family. Practitioner following a medically approved test
White Horse Insurance Ireland dac will pay the Insured showing a positive result for COVID.
Person an amount equivalent to such loss provided that c) Your Close Relative being admitted to Hospital
the terms and conditions under which such card has been with a COVID diagnosis at the time of the Holiday
issued have been fully complied with for such loss up to as certified by a Qualified Medical Practitioner
the amount shown in the Schedule of Benefits for any one following a medically approved test showing a positive
Holiday. result for COVID.
d) Jury service attendance or being called as a witness at
C. Emergency Replacement of Passport, a Court of Law of the Insured Person or the Insured
Visa, Travel Documents or Driving Licence Person’s Travelling Companion.
If during a Holiday the Insured Person sustains loss or theft e) Redundancy (which qualifies for payment under the
of or damage to: current Irish redundancy payment legislation and
at the time of booking the Holiday there was no
1. their passport, visa or other essential travel documents
reason to believe anyone would be made redundant)
White Horse Insurance Ireland dac will pay the Insured
of Insured Person or Insured Person’s Travelling
Person in respect of fees charged and any reasonable
Companion.
additional travel or Accommodation expenses incurred
in replacing them; or f) the Insured Person or any person whom the Insured
Person is travelling or has arranged to travel with
2. their Driving Licence or International Driving Licence
are a member of the Armed Forces, Garda, Police,
White Horse Insurance Ireland dac will pay the Insured
Fire, Nursing or Ambulance Services or employees
Person in respect of fees charged by the appropriate
of a Government Department and they have their
authorities in obtaining any official temporary driving
authorised leave cancelled or are called up for
licence or replacement licence up to the amounts
operational reasons, provided that such cancellation
shown in the Schedule of Benefits for any one Insured
or Curtailment could not reasonably have been
Person.
expected at the time when the Insured Person
Section 5: Disruption applied for this insurance or at the time of booking
any Holiday;
Important COVID Notice: Restricted cover for COVID is g) Burglary at the Insured Person’s Home within 48
provided under ‘Section 5: Disruption’. Cover for COVID is hours of the Insured Person’s departure or the
provided under “A. (i) Cancellation, Curtailment or Alteration police requesting the Insured Person to return to
of Itinerary Expenses” section specifically under points b) their home Due To serious damage to the Insured
and c) only, there is no cover for COVID under any other Person’s home caused by fire, aircraft, explosion,
section of Section 5: Disruption. storm, flood, subsidence, malicious persons or theft;
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