Lloyds Bank Travel Insurance Your policy booklet - June 2016 edition
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Lloyds Bank
Travel Insurance
Your policy booklet
June 2016 editionHelpful phone numbers We recommend that you save the following telephone numbers into your mobile phone: Emergency medical assistance or repatriation 01633 439 016 Customer Services 0800 731 4044 All claims 0800 731 4044
Contents
Policy summary 2 Section E – Baggage 45
Section F – Personal money, passport
Your policy and documents 48
Introduction 12 Section G – Personal liability 50
Definitions 13 Section H – Delayed departure 52
General conditions applicable to the Section I – Missed departure 55
whole policy 17
Section J – Ski equipment 57
What is not covered – applicable to all
sections of the policy 19 Section K – Ski equipment hire 59
Important conditions relating to health 22 Section L – Ski pack 61
Sports and activities covered 24 Section M – Piste closure 62
How to contact us in an emergency 28 Section N – Legal expenses and assistance 63
Reciprocal health agreements 29 Section O – Travel disruption cover 65
Section P – Extended kennel and/or
Making a claim cattery fees 74
Claims conditions 32 Making a complaint 75
Cover available
Section A – Cancellation or
curtailment charges 33
Section B – Emergency medical and
other expenses 37
Section C – Hospital benefit 41
Section D – Personal accident 43
1Policy summary
This policy summary contains key information Conditions
that you should read. It does not contain full
details and conditions of your insurance – these • It is essential that you refer to the Important
are located in your policy wording. conditions relating to health section in the
policy wording as failure to comply with
This insurance is underwritten by AXA
these conditions may jeopardise your claim
Insurance UK plc.
or cover.
Types of insurance and cover • If you are travelling to Australia and you
require medical treatment you must enrol
Travel insurance for single or annual multi with a local Medicare office.
trips – Please refer to your schedule for your
selected cover. Special conditions apply to each section of your
policy – Please refer to the policy wording for
Additional covers may also be included –
full details.
your schedule will show if you selected
these options.
Significant features and benefits
Age eligibility War risks, civil commotion and terrorism –
cover for these events is provided under
Annual multi trip: Section B – Emergency medical and other
This policy is not available to anyone aged 76 expenses, Section C – Hospital benefit and
or over. If you are aged under 18 you are only Section D – Personal Accident (unless caused
insured when travelling with one or more of by nuclear, chemical or biological attack).
the insured adults (or accompanied by another Please see paragraph 1. in What is not covered
responsible adult). – applicable to all sections of the policy in the
If you reach any of the ages mentioned above policy wording for full details.
during the period of insurance, cover will • The table shows the maximum benefits you
continue until the next renewal date but not can claim for each insured person (unless
after that. otherwise stated). Some sections are
Single trip: optional and these are marked* – your policy
schedule will show if you selected any of
This policy is not available to anyone aged
these options.
76 years or over at the departure date
of the trip.
2Policy summary (continued)
Significant features and benefits (continued)
Cover Offered Limits
Section A – Cancellation or curtailment charges
Cancellation or curtailment charges Either £3,000 or £5,000**
Section B – Emergency medical and other expenses
Emergency medical and other expenses up to £10,000,000
Emergency dental treatment up to £1,000
Section C – Hospital benefit
Hospital benefit £1,000 (£50 per day)
Section D – Personal accident
Personal accident (subject to age) up to £25,000
Section E – Baggage
Baggage up to £2,500
Single article limit up to £500
Total for all valuables up to £500
Emergency replacement of baggage up to £250
Section F – Personal money, passport and documents
Personal money and documents £300 cash (£50 if under
16 years) and £200 other
money and documents
Passport up to £600
Section G – Personal liability
Personal liability up to £2,000,000
Section H – Delayed departure
Delayed departure £250
£30 for first 12 hours
(reduced to 6 hours
for trips of three or less
nights)
£25 for each subsequent
12 hours
Either £3,000 or £5,000**
Abandonment of trip
(after 12 hours delay)
3Policy summary (continued)
Significant features and benefits (continued)
Cover Offered Limits
Section I – Missed departure
Missed departure up to £1,000
Section J – Ski equipment*
Ski equipment up to £500
Single article limit up to £250
Hired ski equipment up to £200
Section K – Ski equipment hire*
Ski equipment hire £300 (£30 per day)
Section L – Ski pack*
Ski pack up to £500
Lost lift pass up to £150
Section M – Piste closure*
Piste closure £300 (£30 per day)
Section N – Legal expenses and assistance
Legal expenses and assistance up to £25,000
Section O – Travel disruption cover
Before you reach your destination: Either £3,000 or £5,000**
Cancellation or abandonment of your trip after 12 hours delay or (including excursions up
to £250)
Additional expenses to reach your destination
Delayed departure compensation (to help pay for meals £250
and refreshments)
£30 for first 12 hours
(reduced to 6 hours
for trips of three or less
nights)
£25 for each
subsequent 12 hours
Missed departure expenses up to £1,000
4Policy summary (continued)
Significant features and benefits (continued)
Cover Offered Limits
Section O – Travel disruption cover (continued)
While you are at your destination: Either £3,000 or
Alternative accommodation if your booked accommodation £5,000** (including up
cannot be used or abandonment of trip to £250 for excursions
and £200 for taxis and
hire cars)
On the way home: Either £3,000 or
Additional expenses to return home or if you have to stay £5,000** (including up
longer abroad to £200 for taxis and
£200 for emergency
replenishment of your
prescription medication
if your supplies run out)
Delayed departure compensation (to help pay for meals £250
and refreshments)
£30 for first 12 hours
(reduced to 6 hours
for trips of three or less
nights)
£25 for each
subsequent 12 hours
Missed departure expenses up to £1,000
Section P – Extended kennel and/or cattery fees
Extended kennel and/or cattery fees up to £250
* This indicates optional covers. Your policy schedule will show any optional cover you have chosen.
**See your schedule for your selected cover.
5Policy summary (continued)
Significant or unusual limitations or • Climbing on or jumping from vehicles,
what is not covered buildings or balconies regardless of the
height.
• The standard excesses and any increased
amount you have agreed to pay will be • Wilful self inflicted injury, suicide, drug use or
shown in your policy wording or on your solvent abuse.
policy schedule. • You drinking too much alcohol or you are
• You must obtain the prior authorisation of suffering from alcohol dependence or
the Emergency Medical Assistance Service directly or indirectly from the symptoms of
or us before incurring any medical expenses alcohol withdrawal resulting in a claim.
(including any out-patient treatment) over • Unlawful actions and any criminal
£500. If this is not possible because the proceedings brought against you.
condition requires emergency treatment
you or someone on your behalf must • Travel to a country, specific area or event
contact the Emergency Medical Assistance which the Travel Advice Unit of the Foreign
Service as soon as possible. and Commonwealth Office (FCO) has
advised against all travel or all but essential
• Under annual multi trip policies there is no travel (except where cover is provided under
cover for trips over 60 days. subsections 1.c) and 5.c) of What is covered
• Any trip that has already begun when you under Section O – Travel disruption cover).
purchase this insurance will not be covered,
except where you renew an existing Lloyds What is not covered under Section A –
Bank Travel Insurance annual multi trip policy Cancellation or curtailment charges
which fell due for renewal during the trip. • Redundancy caused by misconduct,
resignation, voluntary redundancy, entering
• Deductions for wear and tear will be made.
into a compromise agreement, or where
you received a warning or notification of
What is not covered applicable to all
redundancy before you purchased this
sections of the policy
insurance or at the time of booking any trip.
• War risks, civil commotion, terrorism,
(except under Section B – Emergency • Any circumstances known to you before you
medical and other expenses, Section purchased this insurance or at the time of
C – Hospital benefit, Section D – Personal booking any trip that could reasonably be
accident unless caused by nuclear, expected to give rise to a claim.
chemical or biological attack), sonic bangs, • The cost of Air Passenger Duty (APD)
radioactive contamination. whether irrecoverable or not.
• There are a number of sports, activities and
winter sports that are not covered – Please
see paragraphs 4, 5, and 6 in What is not
covered – applicable to all sections of the
policy in the policy wording.
6Policy summary (continued)
What is not covered under Section B – • Business equipment, business goods,
Emergency medical and other expenses samples or tools used in connection with
• Treatment or surgery which in the opinion of your occupation.
the Emergency Medical Assistance Service
can wait until your return to your home area. What is not covered under
Section F – Personal money, passport
• Medication, which prior to departure is and documents
known to be required. • Personal money or your passport or visa,
• Expenses incurred as a result of a tropical left unattended at any time unless in a hotel
disease where you have not had the NHS safe, safety deposit box or in your locked
recommended inoculations and/or not accommodation.
taken the NHS recommended medication. • Loss or theft of traveller’s cheques where
you have not complied with the issuing
What is not covered under Section C – agent’s conditions.
Hospital benefit
• Hospitalisation, compulsory quarantine • Any additional travel and accommodation
or confinement to your accommodation expenses incurred because you were unable
as a result of a tropical disease where you to board the public transport on which
have not had the NHS recommended you were booked to return to the United
inoculations and/or not taken the Kingdom or continue your trip as a result of
NHS recommended medication. the accidental loss of, theft of or damage to
your passport and/or visa.
What is not covered under Section E –
Baggage What is not covered under Section G –
Personal liability
• Valuables left unattended at any time unless
in a hotel safe, safety deposit box or in your • Pursuit of any trade, business or profession,
locked accommodation. or the ownership, possession or use of
mechanically propelled vehicles, aircraft or
• Baggage contained in an unattended motor watercraft.
vehicle overnight between 9pm and 9am
(or at any time between 9am and 9pm What is not covered under Section H –
unless it is locked out of sight in a secure Delayed departure
baggage area) – Please see the definition • Strike, industrial action or air traffic control
of secure baggage area in the Definitions in delay existing or publicly announced by the
the policy wording. date you purchased this insurance or at the
• Contact or corneal lenses, hearing aids, time of booking any trip.
dental or medical fittings, ski equipment, • The cost of Air Passenger Duty (APD)
golf equipment and other items are whether irrecoverable or not.
excluded – see your policy wording
for the full list.
7Policy summary (continued)
• Claims arising directly or indirectly from • A deduction for wear, tear and depreciation
volcanic eruptions and/or volcanic ash will be made on ski equipment – see table in
clouds – Please see Section O – Travel Section J – Ski equipment.
disruption cover in the policy wording where
cover for these events is included. What is not covered under Section O –
Travel disruption cover
• Any costs incurred by you which are
recoverable from the public transport • Claims arising within the first 7 days after
operator or for which you receive or you purchased this insurance or the date
are expected to receive compensation, you booked any trip (whichever is the
damages, refund of tickets, meals, later) which relate to an event which was
refreshments, accommodation, transfers, occurring or you were aware could occur at
communication facilities or other assistance. the time you purchased this insurance or
booked the trip (whichever is the later).
What is not covered under Section I – • Any claims arising whilst you are on a
Missed departure day-trip.
• Strike or industrial action existing or being
• Strike, industrial action or the Travel Advice
publicly announced by the date you
Unit of the Foreign and Commonwealth
purchased this insurance or at the time of
Office (FCO) or other regulatory authority
booking any trip.
issuing a directive prohibiting all travel or all
• Your failure to arrive at the departure point but essential travel to the country or specific
in time to board any connecting public area or event to which you were travelling,
transport after your departure on the initial existing or being publicly announced by the
international outbound and return legs of date you purchased this insurance or at the
the trip. time of booking any trip.
• Claims arising directly or indirectly from • Denied boarding due to your drug use,
volcanic eruptions and/or volcanic ash alcohol or solvent abuse or your inability
clouds – Please see Section O – Travel to provide a valid passport, visa or other
disruption cover. documentation required by the public
transport operator.
What is not covered under Winter sports
Sections J and K • The cost of Air Passenger Duty (APD)
whether irrecoverable or not.
• Ski equipment contained in or stolen from
an unattended motor vehicle overnight • Any costs incurred by you which are
between 9pm and 9am (or at any time recoverable from the providers of the
between 9am and 9pm unless it is locked accommodation, their booking agents (or
out of sight in a secure baggage area) – the administrators of either) or for which
Please see the definition of secure baggage you receive or are expected to receive
area in the Definitions in the policy wording. compensation or reimbursement.
8Policy summary (continued)
• Any costs incurred by you which are
recoverable from the public transport
operator or for which you receive or
are expected to receive compensation,
damages, refund of tickets, meals,
refreshments, accommodation, transfers,
communication facilities or other assistance.
• For subsection 4. only of What is covered,
your reluctance to travel or make or attempt
to make alternative arrangements to
reach your destination where reasonable
alternative travel facilities were available
and no severe weather warnings for the area
concerned or notices of road closures on
your planned route had been issued.
• Your passport or visa left unattended at any
time unless in a hotel safe, safety deposit
box or in your locked accommodation.
What is not covered under Section P –
Extended kennel and/or cattery fees
• Claims arising from your bodily injury or
illness that is not covered under Section B –
Emergency medical and other expenses.
9Policy summary (continued)
Duration Renewals which include a medical
This is an annually renewable or single trip
condition
policy – Please refer to your schedule for your If you have advised us of a medical condition
selected cover. and we have agreed in writing to cover you,
your policy will not automatically renew. We will
Automatic renewals on annual multi contact you at least 21 days before the expiry
trip policies date to advise what to do next, but you will have
to contact us if you wish to renew.
By purchasing this policy you have provided
us with the consent to set up a continuous
Cancellation period
payment authority. This means we are
authorised to automatically renew your policy You are free to cancel this policy at any time.
and apply for renewal payments from your If you wish to cancel within 14 days of the
account every year, even if your card has policy start date or the receipt of the policy
expired, until you instruct us to stop. We will documents whichever is the later, you may do
contact you at least 21 days before the end of so by contacting us on 0800 731 4044 or writing
your period of insurance. If you still meet our to us for a full refund providing you have not
eligibility criteria, we will seek to automatically travelled and no claim has been made. If you
renew your policy by using the latest details cancel after the first 14 days of receipt of the
you provided to us. You will also be provided documents, no premium refund will be made.
with a renewal invitation which you should See General conditions applicable to
check to ensure all your details are still correct the whole policy in the policy wording for
and relevant. Your renewal invitation will have full details.
information on how you can make changes to
your details or tell us if you do not wish to renew Claim notification
your insurance before your renewal date.
To make a claim, contact: 0800 731 4044.
How to opt-out
Making a complaint
Call us after you have purchased the policy on
If your complaint relates to a claim on your
0345 307 3801.
policy, you should contact the department
dealing with your claim.
If the complaint is still not resolved, you can
approach the Financial Ombudsman Service.
Referral to the Financial Ombudsman Service
will not affect your right to take legal action.
10Policy summary (continued)
Full details of addresses and contact numbers
can be found within the ‘Making a complaint’
section of the policy wording.
Financial Services Compensation
Scheme (FSCS)
We are covered by the Financial Services
Compensation Scheme (FSCS). You may be
entitled to compensation from the scheme
in the unlikely event we cannot meet our
obligations to you. This depends on the type of
insurance and the circumstances of the claim.
Further information about the compensation
scheme arrangements is available from the
FSCS (www.fscs.org.uk).
11Introduction
This is your travel insurance policy. It contains travelling with one or more of the insured adults
details of what is covered, conditions and what (or accompanied by another responsible adult).
is not covered, for each insured person and is If you reach any of the ages mentioned above
the basis on which all claims will be settled. It is during the period of insurance, cover will
validated by the issue of the schedule which we continue until the next renewal date but not
recommend be attached to the policy. after that.
In return for having accepted your premium we
Single trip
will in the event of bodily injury, death, illness,
disease, loss, theft, damage, legal liability or If single trip cover is selected, this policy is not
other specified events happening within the available to anyone aged 76 or over.
period of insurance provide insurance in
accordance with the operative sections of your Policy excess
policy as referred to in your schedule. Under most sections of the policy, claims will be
The schedule and any endorsements are all subject to an excess. This means that you will
part of the policy. Your policy is evidence of the be responsible for paying the first part of each
contract of insurance. and every claim per incident claimed for under
each section by each insured person.
United Kingdom residents
Helplines
This policy is only available to you if you are
permanently resident in the United Kingdom Please ensure you always carry the helpline
and registered with a medical practitioner in numbers with you when you are travelling.
the United Kingdom.
Policy information or advice
The law applicable to this policy
If you would like more information or if you
You and we can choose the law which applies feel this insurance may not meet your needs,
to this policy. We propose that the law of please phone our customer helpline
England and Wales applies. Unless we and you on 0800 731 4044.
agree otherwise, the law of England and Wales
will apply to this policy. AXA Insurance
AXA Insurance UK plc is authorised by the
Age eligibility
Prudential Regulation Authority and regulated
Annual multi trip by the Financial Conduct Authority and
the Prudential Regulation Authority under
This policy is not available to anyone aged 76 or
registration number 202312. This can be
over if annual multi trip cover is selected. If you
checked on the Financial Services Register by
are aged under 18 you are only insured when
visiting the FCA website at www.fca.org.uk.
12Definitions
These definitions apply throughout your policy direct early return to your home in which
booklet. Where we explain what a word means, case claims will be calculated from the day
that word will appear highlighted in bold print you returned to your home and based on
and have the same meaning wherever they the number of complete days of your trip
are used in the policy. We have listed the you have not used, or
definitions alphabetically.
b) you attending a hospital outside your
Baggage home area as an in-patient or being
– means luggage, clothing, personal effects, confined to your accommodation abroad
and other articles (but excluding valuables, due to compulsory quarantine or on the
ski equipment, personal money and
orders of a medical practitioner, in either
documents of any kind) which belong to you
case for a period in excess of 48 hours.
(or for which you are legally responsible) which
are worn, used or carried by you during any trip. Claims will be calculated from the day you
were admitted to hospital or confined to
Bodily injury your accommodation and based on the
– means an identifiable physical injury caused number of complete days for which you
by sudden, unexpected, external and visible were hospitalised, quarantined or confined
means including injury as a result of your to your accommodation.
unavoidable exposure to the elements.
Curtailment claims under paragraph b)
Close business associate will only be paid for the ill/injured/
– means any person whose absence from quarantined/confined insured person,
business for one or more complete days at the but where we or the Emergency Medical
same time as your absence prevents the proper Assistance Service agree for another
continuation of that business. insured person (including any children
Close relative travelling with them) to stay with
you, we will also pay for that insured
– means mother, father, sister, brother,
person’s proportion only of any travel
wife, husband, civil partner, daughter, son,
grandparent, grandchild, parent-in-law, son-in- and accommodation costs and expenses
law, daughter-in-law, sister-in-law, brother-in-law, (including excursions up to £250) they
step parent, step child, step sister, step brother, have incurred, but not used by remaining
foster child, legal guardian, domestic partner or with you.
fiancé/fiancée.
Home
Curtailment/curtailing/curtail (cutting
– means your normal place of residence in the
your trip short)
United Kingdom.
– means either
a) you abandoning or cutting short the trip
after you leave your home by immediate
13Definitions (continued)
Home area Period of insurance
For residents of the United Kingdom excluding – means if annual multi trip cover is selected:
Channel Islands and the Isle of Man, your the period of 12 months for which we have
home area means the United Kingdom accepted the premium as stated in the
excluding Channel Islands and the Isle of Man. schedule. During this period any trip not
For residents of the Channel Islands and the exceeding 60 days is covered, but limited to
Isle of Man, your home area means either the 24 days in total in each period of insurance for
particular Channel Island on which you live or the winter sports (if you have paid the appropriate
Isle of Man depending on where your home is. winter sports premium to include this cover).
Under these policies Section A – Cancellation
Medical condition cover shall be operative from the date stated in
– means any disease, illness or injury. the schedule or at the time of booking any trip
(whichever is the later date) and terminates on
Medical practitioner commencement of any trip.
– means a registered practising member of the – means if single trip cover is selected: the
medical profession recognised by the law of period of the trip and terminating at its
the country where they are practising, who is completion, but not in any case exceeding the
not related to you or any person who you are period shown in the schedule. Under these
travelling with. policies Section A – Cancellation cover shall be
Package operative from the time you pay the premium.
– means the pre-arranged combination of at For all other sections of the policy, including
least two of the following components when Section A – curtailment cover, whichever cover
sold or offered for sale at an inclusive price and is selected, the insurance starts when you leave
when the service covers a period of more than your home to start the trip and ends at the
24 hours or includes overnight accommodation: time of your return to your home.
a) transport However any trip that had already begun
when you purchased this insurance will not be
b) accommodation covered, except where this policy replaces or
c) other tourist services not ancillary to you renew an existing annual multi trip policy
transport or accommodation (such as car which fell due for renewal during the trip.
hire or airport parking) and accounting for The period of insurance is automatically
a significant proportion of the package extended for the period of the delay in the
event that your return to your home area is
as more fully described under The Package unavoidably delayed due to an event insured by
Travel, Package Holidays and Package Tour this policy.
Regulations 1992.
14Definitions (continued)
Personal money Terrorism
– means bank notes, currency notes and – means an act, including but not limited
coins in current use, traveller’s and other to the use of force or violence and/or the
cheques, postal or money orders, pre-paid threat thereof, of any person or group(s) of
coupons or vouchers, travel tickets, event and persons, whether acting alone or on behalf of
entertainment tickets, phonecards, money or in connection with any organisation(s) or
cards and credit/debit or pre-pay charge cards governments, committed for political, religious,
all held for private purposes. ideological or similar purposes including the
intention to influence any government and/or
Public transport to put the public, or any section of the public,
– means any publicly licensed aircraft, sea in fear.
vessel, train, coach or bus on which you are
booked or had planned to travel. Trip
– means any holiday, business or pleasure
Secure baggage area trip or journey made by you within the area
– means any of the following, as and where of travel shown in the schedule which begins
appropriate: and ends in your home area during the period
a) the locked dashboard, boot or luggage of insurance but excluding one way trips or
compartment of a motor vehicle journeys.
However any trip that had already begun
b) the locked luggage compartment of a
when you purchased this insurance will not be
hatchback vehicle fitted with a lid closing
covered, except where you renew an existing
off the luggage area, or of an estate car
Lloyds Bank Travel Insurance annual multi trip
with a fitted and engaged tray or roller
policy which fell due for renewal during the trip.
blind cover behind the rear seats
If annual multi trip cover is selected any such
c) the fixed storage units of a locked trip not exceeding 60 days is covered, but
motorised or towed caravan limited to 24 days in total in each period of
d) a locked luggage box, locked to a roof rack insurance for winter sports (provided you have
which is itself locked to the vehicle roof. paid the appropriate winter sports premium to
include this cover).
Ski equipment If any trip exceeds 60 days (or 24 days in the
– means skis (including bindings), ski boots, case of winter sports) there is no cover under
ski poles and snowboards. this policy for any additional days over the
60 day period (or 24 day period in respect of
winter sports trips).
15Definitions (continued)
In addition any trip solely within your home We/us/our
area is only covered where you have – means AXA Insurance UK plc. Registered in
pre-booked at least two nights accommodation England No. 78950. Registered Office: 5 Old
in a hotel, motel, holiday camp, bed and Broad Street, London, EC2N 1AD.
breakfast, holiday cottage or similar
accommodation rented for a fee. Each trip You/your/insured person
under annual multi trip cover is considered – means each person travelling on a trip whose
to be a separate insurance, with the terms, name appears in the policy schedule.
definitions, what is not covered and conditions
contained in this policy applying to each trip.
Where we have agreed to cover your medical
condition, this applies to each trip during the
period of insurance.
Unattended
– means when you are not in full view of and
not in a position to prevent unauthorised
interference with your property or vehicle.
United Kingdom
– means England, Scotland, Wales, Northern
Ireland, the Isle of Man and the Channel Islands.
Valuables
– means jewellery, gold, silver, precious metal
or precious or semiprecious stone articles,
watches, furs, cameras, camcorders, portable
satellite navigation systems, photographic,
audio, video, computer, television and
telecommunications equipment and other
electronic entertainment devices (including
but not limited to mobile phones, MP3 or 4
players, tablets, ebooks, CDs, DVDs, tapes,
films, cassettes, cartridges and headphones)
computer games and associated equipment,
telescopes and binoculars.
16General conditions applicable to the whole policy
You must comply with the following conditions AXA Insurance
to have the full protection of your policy. PO Box 147
If you do not comply we may cancel the policy Ipswich
as detailed under this section or refuse to deal IP1 2AN
with any relevant claims or reduce the amount
Cancellation outside the statutory period
of any relevant claim payments.
You may cancel this policy at any time after the
1. Dual insurance cancellation period by contacting us on
0800 731 4044 or by writing to the address
If at the time of any incident which results
above/shown in your schedule. If you cancel
in a claim under this policy, there is another
after the cancellation period no premium
insurance covering the same loss, damage,
refund will be made.
expense or liability we will not pay more than
our proportional share (not applicable to Non payment of premiums
Section D – Personal accident). Where we have been unable to collect a
premium payment we will contact you in
2. Reasonable precautions writing to request payment within 7 days. If we
At all times you must take all reasonable do not receive payment by this date we will
precautions to avoid injury, illness, disease, loss, write to you again notifying you that payment
theft or damage and take and cause to be taken has not been received and give you a further
all practicable steps to safeguard your property 7 days to pay the outstanding amount. If
from loss or damage and to recover property payment is not received by that date we will
lost or stolen. cancel the policy with immediate effect and
notify you in writing.
3. Cancellation We reserve the right to cancel the policy by
Statutory cancellation rights providing 21 days’ notice by registered post
You are free to cancel this policy at any time. to your last known address on the following
If you wish to cancel within 14 days of the grounds:
policy start date or the receipt of the policy a) If you make a fraudulent claim as set out in
documents whichever is the later, you may do paragraph 4. Fraudulent claims below.
so by contacting us on 0800 731 4044 or writing
b) If you are or have been engaged in
to us for a full refund providing you have not
criminal or unlawful activities.
travelled and no claim has been made. If you
cancel after the first 14 days of receipt of the c) If any policy in your name is added to the
documents, no premium refund will be made. Insurance Fraud Register.
See General conditions applicable to the whole
In each case no refund of premium will be
policy in the policy wording for full details.
made.
17General conditions applicable to the whole policy
(continued)
4. Fraudulent claims 5. Automatic renewals on annual
Throughout your dealings with us we expect
multi trip policies
you to act honestly. If you or anyone acting By purchasing this policy you have provided
for you: us with the consent to set up a continuous
a) knowingly provides information to us as payment authority. This means we are
part of your application for your policy authorised to automatically renew your policy
that is not true and complete to the best of and apply for renewal payments from your
your knowledge and belief; or account every year, even if your card has
expired, until you instruct us to stop. We will
b) knowingly makes a fraudulent or contact you at least 21 days before the end of
exaggerated claim under your policy; or your period of insurance. If you still meet our
c) knowingly makes a false statement in eligibility criteria, we will seek to automatically
support of a claim; or renew your policy by using the latest details
you provided to us. You will also be provided
d) submits a knowingly false or forged with a renewal invitation which you should
document in support of a claim; or check to ensure all your details are still correct
e) makes a claim for any loss or damage and relevant. Your renewal invitation will have
caused by your wilful act or caused with information on how you can make changes to
your agreement, knowledge or collusion. your details or tell us if you do not wish to renew
your insurance before your renewal date.
Then
a) we may prosecute fraudulent claimants; How to opt-out
Call us after you have purchased the policy on
b) we may make the policy void from the date
0800 731 4044.
of the fraudulent act;
If you have advised us of a medical condition
c) we will not pay any fraudulent claims; and we have agreed in writing to cover you,
d) we will be entitled to recover from you the your policy will not automatically renew. We will
amount of any fraudulent claim already contact you at least 21 days before the expiry
paid under your policy since the start date; date to advise what to do next, but you will have
to contact us if you wish to renew.
e) we may inform the Police of the
circumstances.
18What is not covered –
applicable to all sections of the policy
We will not pay for claims arising directly or 3. Sonic bangs
indirectly from:
Loss, destruction or damage directly
occasioned by pressure waves caused by
1. War risks, civil commotion
aircraft and other aerial devices travelling at
and terrorism
sonic or supersonic speeds.
War, invasion, acts of foreign enemies,
hostilities or warlike operations (whether 4. Winter sports
war be declared or not), civil war, rebellion,
Your participation in winter sports unless the
terrorism, revolution, insurrection, civil
appropriate winter sports premium has been
commotion assuming the proportions of or
paid, in which case cover will apply under those
amounting to an uprising, military or usurped
sections shown as covered for winter sports in
power but this exclusion shall not apply to
your schedule for:
losses under:
a) the winter sports specified in the list on
Section B – Emergency medical and other
page 27 and
expenses,
Section C – Hospital benefit and b) any other winter sports shown as covered
in your schedule
Section D – Personal accident
unless such losses are caused by nuclear, for a period of no more than 24 days in total in
chemical or biological attack, or the each period of insurance under annual multi
disturbances were already taking place trip policies and for the period of the trip under
at the beginning of any trip. single trip policies.
2. Radioactive contamination 5. Professional sports or entertaining
Ionising radiation or contamination by Your participation in or practice of any
radioactivity from any nuclear fuel or from any professional sports or professional entertaining.
nuclear waste, from combustion of nuclear
fuel, the radioactive, toxic, explosive or other 6. Other sports or activities
hazardous properties of any nuclear assembly Your participation in or practice of any other
or nuclear component of such assembly. sport or activity, manual work, driving any
motorised vehicle or racing unless:
a) specified in the list on pages 24 – 26 or
b) shown as covered in your schedule.
19What is not covered (continued)
7. Suicide, drug use or solvent abuse 10. Unlawful action
Your wilfully self-inflicted injury or illness, Your own unlawful action or any criminal
suicide or attempted suicide, sexually proceedings against you.
transmitted diseases, solvent abuse, drug use
(other than drugs taken in accordance with 11. Additional loss or expense
treatment prescribed and directed by a medical
Any other loss, damage or additional expense
practitioner, but not for the treatment of drug
following on from the event for which you are
addiction) and putting yourself at needless risk
claiming, unless we provide cover under this
(except in an attempt to save human life).
insurance. Examples of such loss, damage
or additional expense would be the cost of
8. Alcohol abuse
replacing locks after losing keys, costs incurred
You drinking too much alcohol or alcohol in preparing a claim or loss of earnings following
abuse where it is reasonably foreseeable bodily injury, illness or disease.
that such consumption could result in an
impairment of your physical abilities and/ 12. Armed Forces
or judgment resulting in a claim. We do not
Operational duties of a member of the
expect you to avoid alcohol on your trips or
Armed Forces (other than claims arising
holidays, but we will not cover any claims
from authorised leave being cancelled due
arising because you have drunk so much
to operational reasons, as provided for under
alcohol that your judgement is seriously
sub section 4. of Section A – Cancellation or
affected or you are suffering from alcohol
curtailment charges).
dependence or directly or indirectly from the
symptoms of alcohol withdrawal and/or you
need to make a claim as a result.
13. Travelling against FCO or
WHO advice
9. Jumping from vehicles, buildings, Your travel to a country, specific area or event
bridges, scaffolding or balconies when the Travel Advice Unit of the Foreign
& Commonwealth Office (FCO) or regulatory
You climbing on or jumping from a vehicle,
authority in a country to/from which you are
building, bridge, scaffolding, balcony or
travelling has advised against all, or all but
climbing or moving from any external part
essential travel (other than claims arising
of any building to another (apart from stairs,
from you not being able to travel and use your
ramps or walkways) and falling regardless of
booked accommodation or curtailing the
the height, unless your life is in danger or you
trip before completion, as provided for under
are attempting to save human life.
subsections 1.c) and 5.c) of What is covered
under Section O – Travel disruption cover).
20What is not covered (continued)
14. Child travel restriction
You being aged under 18 under annual multi
trip cover unless you travel with one or more
of the insured adults ( or are accompanied by
another responsible adult).
If you reach the age mentioned above during
the period of insurance, cover will continue
until the next renewal date but not after that.
15. Unauthorised access to
controlled or restricted areas or the
unauthorised use of swimming pools
You gaining access to controlled or restricted
areas and/or the unauthorised use of
swimming pools outside of the specified
opening times.
21Important conditions relating to health
You must comply with the following conditions • Stroke
to have the full protection of your policy.
• Cancer
1. It is a condition of this policy that you will
not be covered under: • High cholesterol
• section A – Cancellation or • Diabetes
curtailment charges, ii) Any medical condition you have
• section B – Emergency medical and for which you have taken or been
other expenses, prescribed drugs or medication
or for which you have received, or
• section C – Hospital benefit and are waiting to receive, treatment
• section D – Personal accident (including surgery, tests or
investigations) within the last
For any claims arising directly or indirectly from: twelve months.
a) Any medical condition which falls under
b) Any medical condition affecting you,
either i) or ii) below unless you have
a close relative or a close business
consulted us on 0800 731 4044 or visited
associate that you are aware of, that could
us at www.lloydsbanktravelinsurance.co.uk
reasonably be expected to result in a claim
and we have agreed, in writing, to cover
on this policy.
you:
c) Any medical condition you are aware of
i) Any medical condition which falls
at the time of purchasing this insurance for
into any of the following categories
which you have not had a diagnosis.
which you:
d) Any medical condition you have which a
– have or have had, at the time of
medical practitioner has advised you not
purchasing this insurance and for
to travel (or would have done so had you
which you have ever received, or
sought his/her advice), but despite this
are waiting to receive, treatment
you still travel.
(including surgery, tests or
investigations): e) Any medical condition for which you are
not taking the recommended treatment
• Cardiovascular condition (any
or prescribed medication as directed by a
condition relating to the heart,
medical practitioner.
arteries, veins or blood pressure)
• Respiratory condition (any condition
relating to the lungs or breathing)
22Important conditions relating to health (continued)
f) Any surgery, treatment or investigations
for which you intend to travel outside of
your home area to receive (including any
expenses incurred due to the discovery
of other medical conditions during and/
or complications arising from these
procedures).
g) Your travel against any health
requirements stipulated by the carrier,
their handling agents or any other public
transport provider.
If your health changes after the start date of
your policy and the date your travel tickets or
confirmation of booking were issued, you must
telephone our customer helpline on 0800 731
4044 to make sure your cover is not affected.
You should also refer to What is not covered –
applicable to all sections of the policy.
23Sports and activities covered
The following lists detail the sports and activities that this policy will cover without charge when you
are participating on a recreational and non-professional basis during any trip. Any involvement in
these sports and/or activities is subject to your compliance with local laws and regulations and the
use of recommended safety equipment (such as helmet, harness, knee and/or elbow pads and eye
protection). If you are participating in any other sports or activities not mentioned, please phone our
customer helpline on 0800 731 4044 as we may be able to offer cover for an additional premium. Details
of those sports and activities for which you have purchased cover will be added to your schedule.
Covered as standard without charge
No cover under Section G – Personal liability for those sports or activities marked with *.
abseiling (within organisers 2,500 metres above sea *clay pigeon shooting
guidelines) level climbing (on climbing
*administrative, clerical or body boarding wall only)
professional occupations (boogie boarding) cricket (amateur)
aerobics bowls croquet
amateur athletics breathing observation cross country running
(track and field) bubble (bob) (non-competitive)
archaeological digging bungee jumping/ curling (amateur)
(use of hand tools only) swoop within organisers
cycling (wearing a helmet
archery guidelines and wearing
and no racing) up to 2,500
assault course appropriate gear (One
metres above sea level
jump only)
badminton dancing (including
*camel riding
banana boating/donuts/ instruction)
inflatables behind power *Camp America –
deep sea fishing
boat counsellor
*dinghy sailing (no racing)
baseball (amateur) canoeing (up to grade
2 rivers) *driving motorised vehicles
basketball (amateur) (excluding Quad bikes)
capoeira – no contact –
beach games for which you are licenced
dance movement only
billiards/snooker/pool to drive in the United
*caring for children Kingdom (other than
bmx riding (wearing a (au pair/nanny) in races, motor rallies
helmet and no racing,
*catamaran sailing or competitions) and
stunts or obstacles) up to
(if qualified and no racing) wearing a helmet if driving
24Sports and activities covered (continued)
a motorbike, moped or Great Wall of China indoor skating/
scooter, or wearing a gymnastics skateboarding (wearing
seatbelt when travelling in a pads and helmets)
handball (amateur)
motorised vehicle where a javelin throwing (amateur)
seatbelt is available for use. helicopter rides (as a
fare paying passenger in *jet boating (no racing)
elephant riding/trekking
licensed aircraft) *jet skiing (no racing)
extreme frisbees
*hobie catting (if qualified jogging
(amusement park rides)
and no racing) *karting (wearing a helmet
falconry
horse riding (wearing a and no racing)
fell walking/running (up helmet and excluding kayaking
to 2,500 metres above sea competitions, racing, (up to grade 2 rivers)
level) jumping and hunting)
korfball (amateur)
fencing (training only) hot air ballooning
Lapland – up to 2 nights
fishing (organised pleasure
maximum including
fives rides only)
children’s charities
flying as a fare paying *hovercraft driving/
mountain biking
passenger in a fully passenger
(no racing)
licensed passenger hurling (amateur only
netball (amateur)
carrying aircraft and not main
purpose of trip) octopush
flying fox (cable car)
husky/horse/reindeer orienteering
football (amateur only
and not main sledging or sleigh riding as * paint balling/war games
purpose of trip) an activity as a passenger (wearing eye protection)
only with a local driver and parasailing/parascending –
freefall/sky diving simulator
not on snow over water
frisbee/ultimate frisbee
hydro zorbing pedalos
(including competitions)
indoor climbing pilates
GAA football (amateur)
(on climbing wall)
*glass bottom boats/ pony trekking
in-line skating/roller
bubbles *power boating (no racing
blading (wearing pads and
*go karting (within and non-competitive)
helmets)
organisers guidelines) *quadbiking
golf racquetball/racketball
25Sports and activities covered (continued)
rambling *shooting/small bore *tall ship crewing
refereeing (amateur only) target/rifle range shooting (no racing)
(within organisers ten pin bowling
ringos
guidelines)
roller skating/blading/in tennis
skateboarding (wearing
line skating (wearing pads trampolining
pads and helmets)
and helmets) tree canopy walking
sledging/sleigh riding as
rounders (amateur) trekking/hiking/walking/
a passenger (pulled by
rowing (no racing) horse or reindeer) with a hill walking up to 2,500
running (non-competitive maximum of 2 nights for metres above sea level
and not a marathon of Lapland trips tug of war
any type) snorkelling volleyball
safari trekking/tracking softball (amateur) wake boarding
in the bush (must be
spear fishing water polo (amateur)
organised tour)
(without tanks) water skiing/water
*sailing/yachting (if
*speed sailing (no racing) ski jumping
qualified or accompanied
by a qualified person and squash whale watching
no racing) *students working as white water canoeing/
sail boarding/wind surfing counsellors or university kayaking/touring/rafting
exchanges for practical up to grade 2 rivers
sand boarding/sand
course work (non manual) wicker basket tobogganing
dunes/surfing/skiing
surfing (including on board wind surfing/sailboarding
*sand yachting (no racing)
surf simulators)
scuba diving up to depth wind tunnel flying
swimming (pads and helmets
of 30 metres (if qualified or
accompanied by qualified swimming with dolphins to be worn)
instructor and not diving swimming/bathing zip lining/trekking (safety
alone, not involved in cave with elephants harness must be worn)
diving and not involved in Sydney harbour bridge yoga
air travel until more than (organised and walking *zap cats
24 hours have elapsed after across clipped onto a
your last dive) zorbing/hydro zorbing/
safety line)
sphering
sea canoeing/kayaking table tennis
(within sight of land)
26Sports and activities covered (continued)
Covered if the appropriate winter sports premium has been paid
airboarding kick sledging *sledging/sleigh riding as a
big foot skiing ski – biking passenger (pulled by horse
or reindeer)
blade skating ski – blading
snow biking
dry slope skiing ski boarding
snow blading
glacier skiing/walking *ski-doing
snow boarding on piste**
husky dog sledding ski run walking
(organised, snow boarding – off piste
ski-touring
noncompetitive with a guide**
skiing alpine
with experienced local snow bobbing
driver) skiing – big foot
*snow go karting
ice cricket (wearing skiing – cross country
*snow mobiling
appropriate batting pads/ skiing on piste**
snow scooting
gloves/spiked shoes) skiing – mono
snow shoe walking
ice fishing skiing – Nordic
*snowcat driving
*ice go karting (within skiing – off piste
organisers guidelines) snow tubing
with a guide**
ice skating tandem skiing
sledging/tobogganing
*ice windsurfing on snow telemarking
** A piste is a recognised and marked ski run within the resort boundaries.
27How to contact us in an emergency
International Emergency Medical
Assistance Service
Available to you 24 hours a day,
365 days a year
+44 1633 439 016 from anywhere
in the world
You should contact the Emergency Medical
Assistance Service when you are abroad:
a) if you are ill or have an accident which
means that you need to be admitted to
hospital as an in-patient; or
b) to arrange transport home if this is
considered medically necessary; or
c) to arrange transport home if you are
told about the illness or death of a close
relative or a close business associate
at home.
It is very important that you call the Emergency
Medical Assistance Service as soon as possible.
If you cannot make the call yourself, because
the condition requires emergency treatment,
you or someone on your behalf should contact
the Emergency Medical Assistance Service
within 24 hours of hospitalisation or as soon as
possible after that.
28Reciprocal health agreements
State in-patient and out-patient acting on your behalf is being pressured to sign
treatment – EU, EEA or Switzerland for excessive treatment or charges, please call
the Emergency Medical Assistance Service for
If you are travelling to countries within
guidance.
the European Union (EU), the European
Economic Area (EEA) or Switzerland you State out-patient treatment –
are strongly advised to obtain a European EU, EEA, Switzerland
Health Insurance Card (EHIC). You can apply
for an EHIC either online at www.ehic.org.uk For out-patient treatment in a state run
or by telephoning 0300 330 1350. The EHIC hospital or clinic while within the EU, EEA or
entitles you to certain free or reduced costs Switzerland, you have a right to state provided
health services in the EU, EEA or Switzerland. emergency treatment as set out above. If you
need out-patient treatment, but no medically
Details of the countries where you can use suitable state facility is available, then if the
the EHIC are shown at the end of this section expenses are equal to or less than £500, you
together with information on how to replace should pay the private hospital/clinic yourself
your EHIC if it is lost or stolen while you are and claim back the medical expenses from us
abroad. If you find yourself in an emergency on your return to your home area. However,
during your visit in Europe dial 112. The if the expenses are greater than £500, you or
European emergency number is valid in all someone on your behalf should contact the
EU/EEA member states and is free of charge. Emergency Medical Assistance Service as soon
You can use it to reach emergency services as possible and get their authorisation before
such as an ambulance or police from any you pay the expenses or they arrange for the
telephone or mobile phone free of charge. If medical expenses, covered by the policy, to be
you are admitted to a state hospital or clinic paid direct to the hospital/clinic.
as an in-patient while within the EU, EEA or
Switzerland, you have a right to state provided Countries where you can use the
emergency treatment if you have an EHIC. EHIC
You must take reasonable steps to minimise The European Economic Area (EEA) is a free
your claim which means that you should take trade zone between countries of the European
all reasonable steps to use your EHIC before Union (EU), Iceland, Norway and Liechtenstein.
incurring private medical treatment costs in a The regulations on access to healthcare in the
state run hospital or clinic, where you have a EEA also apply in Switzerland. Specific guidance
right to state provided emergency treatment on how to access healthcare in the countries
under your EHIC. If you are in doubt, please listed below is available online at
call the Emergency Medical Assistance Service www.ehic.org.uk
for guidance. If at any time you or someone
29Reciprocal health agreements (continued)
Austria Finland Latvia Portugal
Belgium France Liechtenstein Romania
Bulgaria Germany Lithuania Slovakia
Croatia Greece Luxembourg Slovenia
Cyprus Hungary Malta Spain
Czech Republic Iceland Netherlands Sweden
Denmark Ireland Norway Switzerland
Estonia Italy Poland
Details of how you can replace your arises, then a medical practitioner must agree
EHIC while abroad in each case that prompt treatment is needed
before your trip ends, if treatment is to be
If your EHIC is lost or stolen while you are provided under the reciprocal agreement.
abroad, you should apply for a Provisional You will also need to show your UK passport.
Replacement Certificate (PRC). Someone else
You will however have to pay the same charges
can do this on your behalf if necessary. The PRC
as New Zealanders for treatment at a doctor’s
will provide you with the same cover as an EHIC
surgery or for prescribed medication.
until you return home.
To apply for a PRC, call the Overseas Healthcare State in-patient and out-patient
Team on 00 44 191 218 1999 (Monday to
treatment – Australia
Friday, 8am-5pm). You will need to provide
your name, address, date of birth and If you need medical treatment in Australia
your National Insurance or NHS number you must enrol with a local MEDICARE office.
(CHI in Scotland or Health and Care Number You do not need to enrol when you arrive, but
in Northern Ireland). you must do this after the first occasion you
receive treatment. In-patient and out-patient
State in-patient and out-patient treatment at a public hospital will then be
treatment – New Zealand available free of charge. Details of how to enrol
and the free treatment available can be found
United Kingdom citizens on a short term visit by visiting the MEDICARE website on
to New Zealand are eligible for treatment www.medicareaustralia.gov.au. or by emailing
(medical, hospital and related) on the same medicare@medicareaustralia.gov.au.
basis as citizens of New Zealand. If the Alternatively please call AXA Assistance for
treatment relates to an existing medical guidance.
condition that you have, or a new condition
30Reciprocal health agreements (continued)
If you are admitted to hospital you must
contact the Emergency Medical Assistance
Service as soon as possible and get their
authorisation in respect of any treatment NOT
available under MEDICARE.
Private treatment – Worldwide
If you are admitted to a private hospital or
clinic and no medically suitable state facility
is available, you or someone on your behalf
should contact the Emergency Medical
Assistance Service as soon as possible before
knowingly incurring any expenses over £500.
The Emergency Medical Assistance Service will
then arrange for the medical expenses covered
by the policy to be paid direct to the hospital/
clinic.
If at any time you or someone acting on
your behalf is being pressured to sign for
excessive treatment or charges, please call
the Emergency Medical Assistance Service for
guidance.
Contact the Emergency Medical Assistance
Service on telephone number:
+44 1633 439 016
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