Travelcover for Schools - Travel Insurance - Group Policy
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Travelcover for Schools Travel Insurance Group Policy
Contents
Insurance agreement 03 The Cover 21
Important Information 04 Section A. Injury 22
Contact Us 05 Section B. Travel 24
Information for Travellers 05 Section B1 – Medical & other
Eligibility 06 expenses 24
Policy Definitions 06 Section B2 –Personal Belongings
& Business Equipment 28
Our Regulators 06
Section B3 – Money 31
Complaints Procedures 07
Section B4 – Disruption 35
Data Protection 08
Section B5 – Serious disruption 40
The Personal Information You
Provide 08 Section B6 – Personal liability 45
Financial Services Compensation Section B7 – Winter Sports 47
Scheme 09 Section B8 – Passenger Protection 47
General Policy definitions 09 Section B9 – Assistance 48
Policy conditions 13 Section C. Legal Expenses 51
Policy Exclusions 16 Section D. – Crisis Management 55
Claims provisions 18 About Chubb 57
Notification of a Claim 18
Information Chubb may need
about a Claim 18
Fraudulent Claims 18
Co-operation 19
Currency 19
Paying Claims 19
2Insurance agreement
Thank you for choosing this Policy The Group Policyholder should
which is underwritten by Chubb check over this Policy wording and
European Group SE. Group Policy Schedule carefully to
ensure they are correct and meet the
This Policy pays benefits in accordance Group Policyholder’s requirements,
with this Policy wording and has been and notify Marsh immediately, if
made available to Insured Persons anything is incorrect, as this could
and Policyholders through the affect Policy cover in the event of a
Group Policyholder. The Group Claim. The Group Policyholder
Policyholder (as specified in the should keep these documents in a
Group Policy Schedule) and Chubb safe place and should make them
agree that the Group Policyholder available to the Insured Persons and
shall pay the Premium as agreed. Policyholders, telling them where the
The Group Policy Schedule and this documents can be viewed. The Group
Policy wording constitute the full terms Policyholder must tell Chubb if either
and conditions of the insurance with their insurance needs or any of the
Chubb. The Group Policyholder information they have given Chubb
acknowledges that Chubb has changes. A change in circumstances
offered this Policy and calculated the may affect Policy cover, even if the
Premium using the information which Group Policyholder does not think a
they have asked for and the Group change is significant, and Chubb may
Policyholder has provided, and that need to change this Policy. Chubb
any change to the responses provided will update this Policy and issue a new
by the Group Policyholder may result Group Policy Schedule each time a
in a change in the terms and conditions change is agreed.
of this Policy and/or a change in the
Premium.
3Important Information
Contact Us
If you need details in smartphone with a
Large Print, Braille, or compatible operating
Audio please call us on system, tablet, laptop
0345 841 0056 for details. or PC with an internet
connection.
If you have a hearing
or speech impairment To use the Next
and would like to speak Generation Text service,
to Chubb and have a just dial 18001 and then
textphone available, you our number - once the
can do so by using the call is connected, a Text
Action on Hearing Loss Relay Operator will
Next Generation Text join the call to relay the
service. This is available message. Our responses
24 hours a day, seven will then appear as text
days a week and allows on your textphone,
customers to contact smartphone, tablet,
us via a Text Relay laptop or PC. For the
Operator who will relay Next Generation Text
instructions and other service, please call:
requests verbally to us. 18001 0345 841 0056.
To use the Next
Generation Text service,
you must have access to a
textphone or a
4Information for Travellers Pre-Travel Information
During the Period of Insurance you
Important Phone Numbers may call Chubb Assistance:
Please make a note of the following
phone numbers or add them to your From outside the UK on
mobile; you may need them in an +44 (0) 20 3282 0107
emergency or if you need to make
a claim. If during the Period of From within the UK on
Insurance you require medical or 020 3282 0107
personal assistance or advice during
a Journey, you should in the first For pre-travel information on:
instance call Chubb Assistance. • Business and social customs
• Political situations
Chubb Assistance • Medical advice and medical facilities
Medical Emergency and Referral overseas
Services and Personal Assistance • Health precautions, including
Services vaccinations
• Visa and entry permit requirements
From outside the UK on • Currency
+44 (0) 20 3282 0107 • Banking hours
• Time zones
From within the UK on • Climate
020 3282 0107 • Driving restrictions
in respect of: Helpful hints for your insurance
• Medical Expenses; • Do take copies of your policy docs
• Medical advice, referral or on your journey
treatment; • Do report any loss or theft to the
• Emergency repatriation; hotel or local police and get a report
• Local payment of hospital bills; or from them
• Replacement of essential • Do keep valuables safe (e.g. in a
maintenance medication or drugs safety deposit box)
• Don’t leave valuables lying around
Claims or in view of other people
From outside the UK on • Do leave yourself enough time to get
+44 (0) 1444 335 170 to the airport, park, and get through
security
From within the UK on • Remember to allow time for delays
01444 335 170 in traffic or travel
• Do contact us if you have a change in
health that may lead to you having to
cancel or alter your journey
• Do contact us for advice before
5incurring costs that you would seek Foreign, Commonwealth &
to subsequently claim for under this Development Office (FCDO)
policy. If the FCDO issue advice against all
travel or all but essential travel to your
Immunisations Journey’s destination after you have
You may need extra immunisations booked your trip, this insurance does
when travelling abroad. Check whether not cover any expenses which under
you do before travelling by visiting the terms of any relevant contract, law
www.nhs.uk/healthcareabroad or see a or regulation are recoverable (whether
copy of the health advice for travellers successful or not) from the tour
information leaflet which is available at operator, travel provider, airline, hotel
your local Post Office. or other service provider, or otherwise
from a compensation scheme.
EHIC
If you intend to travel to Europe (all EU
countries plus Iceland, Liechtenstein, Eligibility
Norway and Switzerland) you should
obtain a Global Health Insurance Card The categories of Insured Persons are
(GHIC) and take it with you when you described in the Schedule of Benefits.
travel. European Health insurance
Cards (EHIC) will still be valid until the
card expires at which point you should Policy Definitions
apply for the new GHIC replacement.
Certain words in this Policy have a
Both the EHIC or GHIC will allow you specific meaning. They have this
to benefit from the reciprocal health specific meaning wherever they
arrangements, which exist with these appear in this Policy and are shown
countries and, if you have a valid Claim by using bold text and capital letters.
for Medical Expenses under this Policy, All General Policy definitions are
Chubb will not deduct the Excess applicable to this Policy as a whole,
where the cost of your Claim has been and are detailed on pages 9 to 13 in this
reduced by your using your EHIC or Policy document. Definitions that are
GHIC. relevant only to individual Sections
are located and contained in the
You can get more information about the appropriate Section.
EHIC and GHIC, and how to apply for
GHIC:
Online at: www.nhs.uk/ghic Our Regulators
By phone: 0300 330 1350
By post: Forms available online Chubb European Group SE (CEG) is a
Societas Europaea, a public company
registered in accordance with the
corporate law of the European Union.
Members’ liability is limited. CEG
6is headquartered in France and a. In the event of a complaint relating
governed by the provisions of the to a sale:
French insurance code. Risks falling Marsh Limited, Education Practice
within the European Economic Area
are underwritten by CEG, which is Postal Address
authorised and regulated by the French Marsh Limited
Prudential Supervision and Resolution Education Practice
Authority (4 Place de Budapest, CS 4 Milton Road
92459, 75436 Paris Cedex 09, France). Haywards Heath
Registered company number: 450 327 West Sussex
374 RCS Nanterre. Registered office: La RH16 1AH
Tour Carpe Diem, 31 Place des Corolles,
Esplanade Nord, 92400 Courbevoie, T +44 (0) 1444 458 144
France. Fully paid share capital of E schools.uk@marsh.com
€896,176,662.
b. In the event of a complaint relating
CEG’s UK branch is registered in to a claim:
England & Wales. Registered address: The Customer Relations Manager,
100 Leadenhall Street, London EC3A Chubb
3BP. Authorised by the Prudential
Regulation Authority and with deemed
variation of permission. Subject to Postal Address
regulation by the Financial Conduct Chubb European Group SE
Authority and limited regulation by PO Box 682
the Prudential Regulation Authority. Winchester
Details of the Temporary Permissions SO23 5AG
Regime, which allows EEA-based firms
to operate in the UK for a limited T 0800 519 8026 (calls are free
period while seeking full authorisation, from a UK landline or mobile)
are available on the Financial Conduct T +44 (0) 141 285 2999
Authority’s website (FS Register (International)
number 820988). E customerrelations@chubb.com
Complaints Procedures
c. The Financial Ombudsman
Chubb is dedicated to providing a Service (FOS) may be approached
high quality service and wants to for assistance if there is still
maintain this at all times. If the Group dissatisfaction with the final decision
Policyholder, a Policyholder or from Marsh Limited or Chubb.
an Insured Person feels that a first The FOS’s contact details are given
class service has not been offered or a below. A leaflet explaining the
complaint must be made regarding this procedure is available on request.
Policy please contact:
7Postal Address: details of assets, claims history) where
Financial Ombudsman Service this is relevant to the risk Chubb is
Exchange Tower insuring, services Chubb is providing
London or to a Claim the Policyholder or the
E14 9SR Insured Person is reporting.
T +44 (0) 800 023 4567 (calls are Chubb is part of a global group, and
free from a UK landline or Policyholders’ or Insured Persons’
mobile) personal information may be shared
T +44 (0) 300 123 9 123 (calls with its group companies in other
charged at the same rate as 01 or countries as required to provide
02 numbers on a mobile) coverage under this policy or to store
E complaint.info@financial- Policyholders’ or Insured Persons’
ombudsman.org.uk information. Chubb also uses a
www.financial-ombudsman.org.uk number of trusted service providers,
who will also have access to the
The existence of these Complaints Group Policyholder, Policyholders’
Procedures does not reduce the and Insured Persons’ information
Insured Person's statutory rights including personal information subject
relating to this Policy and does not affect to Chubb's instructions and control.
the Insured Person's right to take legal
action against Chubb. Policyholders and Insured Persons
have a number of rights in relation to
their personal information, including
Data Protection rights of access and, in certain
circumstances, erasure.
The Personal Information You
Provide This Section represents a condensed
Chubb uses personal information explanation of how we use personal
which the Group Policyholder, the information. For more information,
Policyholders or the Insured Persons Chubb strongly recommends the
supply to Chubb or, where applicable, Group Policyholder, Policyholders
to the Group Policyholder's insurance and Insured Persons read its user-
broker, in order to write and administer friendly Master Privacy Policy, available
this Policy, including any Claims arising here: https://www.chubb.com/uk-en/
from it. footer/privacy-policy.aspx. The Group
Policyholder, Policyholders and
This information will include basic Insured Persons can ask us for a
contact details such as Policyholders’ paper copy of the Privacy Policy at
or Insured Persons’ names, addresses, any time, by contacting Chubb at
and policy number, but may also mailto:dataprotectionoffice.europe@
include more detailed information chubb.com.
about Policyholders or Insured
Persons (for example, their age, health,
8Financial Services Compensation Air Sports
Scheme Air sports including but not limited
to: ballooning; bungee-jumping;
In the unlikely event of Chubb gliding; hang-gliding; micro lighting;
being unable to meet our liabilities, parachuting; paragliding (including
Policyholders who are located in the beach paragliding); or parascending.
UK, Channel Islands, Isle of Man or
Gibraltar (or who have risks located Aggregate Limit
in these jurisdictions) may be entitled The maximum amount that Chubb
to compensation under the Financial will pay for all Claims relating to cover
Services Compensation Scheme. under each section where stated in the
Further information can be obtained Group Policy Schedule.
from Chubb or from the Financial
Services Compensation Scheme at the Associate Company
following address: A company or organisation of the
Group Policyholder, the name of
Financial Services Compensation which has been advised to and accepted
Scheme by Chubb.
PO Box 300
Mitcheldean Benefit Amount
GL 17 1DY The maximum amount Chubb will pay
based on the level of cover stated in the
Tel 0800 678 1100 or 020 7741 4100 Schedule of Benefits, and this Policy.
Website: www.fscs.org.uk
On-Line Form: https://claims.fscs.org. Bodily Injury
uk/ Injury to an Insured Person which
happens while this Policy is in force;
which is caused only by an Accident
General Policy Definitions and on its own leads to death or
disablement, within 24 months of the
Certain words in this Policy have a Accident.
specific meaning. They have this specific
meaning wherever they appear in this Business
Policy, the Group Policy Schedule, The business of the Group
Schedule of Benefits, endorsements or Policyholder as declared to Chubb.
memoranda and are shown by using
bold text and capital letters. Business Equipment
Equipment used primarily for Business
Accident / Accidental purposes, which is the property of the
A sudden, external and identifiable Group Policyholder, or for which the
event that happens by chance and Insured Person is responsible and
could not be expected, or unavoidable which is taken on or acquired during a
exposure to severe weather. Journey by them.
9Child / Children Due to
Any person under 18 years of age or Directly or indirectly caused by, arising
under 23 years of age if in Full Time from or in connection with.
Education.
Effective Time
Chubb The time during a Period of Insurance
Chubb European Group SE. when an Insured Person is covered,
as detailed in the Group Policy
Chubb Assistance Schedule.
The assistance services arranged by
Chubb. Employee(s)
Any person(s) under a contract of
Claim service or apprenticeship or under
A single loss or a series of losses Due to a work experience scheme with the
one cause insured by this Policy. Group Policyholder.
Communicable Disease Excess
Means an illness or disease that may The first amount of a Claim, expressed
be transmitted directly or indirectly by as a monetary amount or a percentage
one person to another due to a virus, of the loss, which the Policyholder or
bacteria or other microorganism. Group Policyholder must bear.
Director Full Time Education
Any person holding the position of A programme of learning provided by
director or company secretary with a recognised educational body, which
the Group Policyholder but not non- leads to a qualification by examination
executive director unless otherwise or assessment which is either:
agreed in writing with Chubb. a. full-time study; or
b. a mixture of study and work
Doctor experience as long as at least two
A doctor or specialist who is registered thirds of the total time for the course
or licensed to practice medicine or is spent on study.
dentistry under the laws of the country
in which they practice other than: Group Policy Schedule
a. the Insured Person; or The document issued to the Group
b. a Partner or member of the Policyholder by Chubb, detailing the
immediate family of the Insured Insured Person's cover and other
Person; or important information.
c. an Employee or Director of the
Group Policyholder; Group Policyholder
unless approved by Chubb. The person, firm, company or
organisation named as the Group
Policyholder in the Group Policy
Schedule.
10Group Journey Immediate Family Member
All Journeys organised for a common An Insured Person’s Partner or
trip or purpose and authorised by the fiancé(e) or the grandchild, child,
Group Policyholder or Participating brother, sister, parent, grandparent,
School during the Period of grandchild, stepbrother, step-sister,
Insurance. step-parent, parent-in-law, son-in-law,
daughter-in-law, sister-in-law, brother-
Hijack in-law, aunt, uncle, nephew, niece, of
The unlawful seizure or taking control an Insured Person, or anyone noted as
of an aircraft or conveyance in which next of kin on any legal document and
the Insured Person is travelling. not any Person Insured.
Hospital In-patient
An establishment which: An Insured Person's Hospital Stay
a. exists primarily for the diagnosis, as a resident bed patient, for which a
medical care and treatment of sick or clinical case record has been opened
injured people on an In-patient basis and which is necessary for the medical
under the supervision of Doctor(s) care, diagnosis and treatment of injury
one or more of whom is available for or illness covered by this Policy and
consultation at all times; and not merely for any form of nursing,
b. provides (where appropriate) recovery, rehabilitation, rest, or
facilities for major surgery within extended-care.
the confines of the establishment Insured Person
or in facilities controlled by the Any person or category of persons
establishment; or shown in the Group Policy Schedule.
c. provides full-time nursing service by
and under the supervision of nursing Journey
staff; Any trip (or in respect of individual trip
This does not include a special unit or a travel, 'the declared trip'), other than a
place existing primarily: period of Secondment over 12 months
a. for the treatment of psychiatric undertaken by an Insured Person with
disease or sub-normality; the authorisation of the Participating
b. for the care of the aged, drug addicts School during the Period of Insurance
or alcoholics; or and including:-
c. as a health hydro or nature cure a. an additional period of up to 31 days
clinic, a long-term nursing or long- necessary to complete the trip in
term convalescent home, extended which the Insured Person is taking
care facility, rest-home or hospice. part (by return to the official place
of dispersal of the trip or by return
Hospital Stay to the Insured Person's United
Admission to a Hospital as an In- Kingdom address) subject to the
patient on the advice of, and under Insured Person being delayed in
the regular care and attendance of a the course of the trip by unforeseen
Doctor. circumstances beyond their control
11and provided all reasonable action is is the subject of a Claim under this
taken to minimise delay; and Policy.
b. any trip undertaken by an Insured
Person to travel directly from the Participating School
Insured Person's United Kingdom A school within the jurisdiction of the
home address to the place of official Group Policyholder stated in the
assembly at the commencement Group Policy Schedule and which has
of the trip and travel directly from been declared to Chubb by the Group
the official place of dispersal to the Policyholder.
Insured Person's United Kingdom
home address upon completion of Period of Insurance
the trip. The period between and inclusive of
the dates shown From: and To: in the
Kidnap Group Policy Schedule commencing
The illegal abduction and holding at 00.01 hours on the earliest date
hostage of the Insured Person for shown and expiring at 24.00 hours on
the purpose of demanding payment of the latest date shown. Both dates and
extortion/ransom monies as a condition times refer to local standard time at the
of release. A kidnap in which more than address of the Group Policyholder as
one Insured Person is abducted shall shown in the Group Policy Schedule.
be considered a single kidnap.
Personal Belongings
Marsh Personal articles which are the property
Marsh Limited - Education Practice of the Insured Person, or for which
4 Milton Road, Haywards Heath they are responsible and are taken on or
West Sussex, RH16 1AH acquired during the Journey.
Parent or Legal Guardian Policyholder
A person with parental responsibility, Any person or category of persons
or a legal guardian, both being in described as an Insured Person in the
accordance with the Children Act Group Policy Schedule or, in respect
2004 and any statutory amendment of Insured Persons under the age of 18
modification or re-enactment of it. years, the Parent or Legal Guardian
of such Insured Person.
Partner
a. An Insured Person's spouse; or Premium
b. an Insured Person's civil Partner, The amount stated in the Group Policy
registered pursuant to the Civil Schedule in respect of the specified
Partnership Act 2004; or Period of Insurance or any amount
c. someone of either sex with whom an which subsequently becomes due as
Insured Person is living as though a result of alteration, adjustment or
they are their spouse or civil partner renewal of this Policy.
at the time of the occurrence which
12Pupil sub-Sections of this Policy. These are
Any person in Full-Time Education shown in the appropriate Sections or
who is enrolled to attend classes at a sub-Sections.
Participating School.
Acquisitions
Secondment If during the Period of Insurance
A posting made by the Policyholder the Group Policyholder acquires
that requires a Director or Employee or creates a subsidiary or Associate
to live and work outside of the United Company either directly or through
Kingdom for a temporary and specified one of its own subsidiaries, cover
period not exceeding 12 months. under this Policy automatically
extends to include such subsidiary
United Kingdom or Associate Company from the
England, Scotland, Wales and Northern date of its acquisition or creation,
Ireland, including the Isle of Man and provided that the revised underwriting
the Channel Islands, for the purposes of information does not vary by more
this insurance. than 20% from the information upon
which the Premium at inception or last
War renewal (whichever occurred last) was
Armed conflict between nations, calculated. Underwriting information
invasion, act of foreign enemy, civil war, for the purposes of this Condition shall
or taking power by organised military mean the numbers of Insured Persons.
force.
If the revised underwriting information
Winter Sports varies by more than 20% Chubb
Skiing (including skiing outside the agrees to provide cover from the date
area of the normal compacted snow of creation or acquisition of such
or ski-slope, i.e. off-piste, but only subsidiary or Associate Company,
whilst accompanied by a guide or ski for a period of 30 days during which
instructor), tobogganing and snow- time the Group Policyholder shall
boarding. provide any additional information
as Chubb may require and pay such
NOTE: Definitions relevant only to additional Premium as may become
the individual Sections are located due. Otherwise, Chubb agrees to
and contained in the appropriate provide cover for such subsidiary or
Section. Associate Company from the date that
the revised underwriting information is
provided.
Policy Conditions
Arbitration
In addition to these Policy Conditions If any difference arises as to the
there may be Specific Conditions amount to be paid under this Policy
relevant to individual Sections and (liability being otherwise admitted)
13such difference shall be referred 30 days’ notice in writing and cover
to an arbitrator to be appointed by for all Insured Persons will cease
the parties in accordance with the from the end of the notice period. The
relevant statutory provisions. Where Group Policyholder is responsible
any difference is to be referred to for informing all Insured Persons
arbitration in accordance with this of cancellation. Provided no Claims
Condition, the making of an award shall have been made during the Period of
be a condition to any right of action Insurance a pro-rata return Premium
against Chubb. will be paid.
Assignment Changing Cover
Subject to the Policy Conditions headed a. The Group Policyholder may,
‘Claims provisions’, the benefits during the Period of Insurance,
under this Policy may not be assigned add or delete Insured Persons
by the Group Policyholder or the from this Policy. The Group
Policyholder and Chubb shall not Policyholder may not make any
be bound to accept or be affected by other changes to this Policy except
any notice or any trust, charge, lien, where specifically agreed in writing
purported assignment or other dealing by Chubb.
with or relating to this Policy. b. Chubb reserves the right to make
changes, add to the Policy terms
Bank Charges and/or to change the total amount
Chubb shall not be liable for any payable for this insurance for legal,
charges applied by the receiving bank regulatory or taxation reasons. If
for any transactions made in relation to this happens, Chubb will write
a Claim. to the Group Policyholder with
details of the changes at least 30
Cancellation days before they make them. It
The Group Policyholder may cancel is the responsibility of the Group
this policy at any time. Policyholder to inform Insured
Persons of such changes. Any
This Policy could be cancelled if the changes Chubb make will be the
Group Policyholder, a Policyholder, same for all Insured Persons
or an Insured Person if applicable, under this Policy. Chubb will not
have knowingly provided incomplete, make changes that only apply to a
false or misleading information that particular Insured Person.
Chubb has asked for during the Policy
application process, at any time whilst Choice of Law
this Policy is in force, or in respect of a Unless agreed otherwise in writing any
Claim. dispute concerning the interpretation
of this Policy shall be governed by and
In respect of policies on a pre-paid construed in accordance with the Law
annual basis, the Group Policyholder of England and Wales and the English
may cancel this Policy by giving Chubb Courts alone shall have jurisdiction
14in any dispute unless the Group such certificates, information or
Policyholder is registered within evidence; and
Scotland, Northern Ireland, or the b. at the base rate established by the
Isle of Man, in which case the Law of Bank of England on such date.
Scotland, Northern Ireland, or the Isle
of Man (as applicable) and the Scottish, Disclosure
Northern Irish, or Isle of Man courts (as In the event of a fraudulent breach of
applicable) alone shall have jurisdiction the duty of fair presentation by the
in any dispute. Communication of and Group Policyholder, an Insured
in connection with this Policy shall be Person or a Policyholder;
in the English language. a. If the breach is before this Policy
is entered into, Chubb may avoid
Contracts (Rights of Third Parties) this Policy and refuse all Claims,
Act and need not return any of the
A person who is not a party to this Premiums paid by the Group
Agreement including specifically any Policyholder.
Insured Person or Policyholder has b. If the breach is in relation to a
no right under the Contracts (Rights of variation of this Policy, Chubb may
Third Parties) Act 1999 to enforce any treat this Policy as if the variation
term of this Policy except where such was never made and need not return
rights exist apart from the operation of any of the Premiums paid in respect
the Contracts (Rights of Third Parties) of the variation, in respect of the
Act 1999. Group Policyholder.
Hijack / Kidnap It is agreed that in the event of a breach
If an Insured Person is the victim of the duty of fair presentation by the
of Hijack or Kidnap the insurance Group Policyholder, an Insured
provided by this Policy for such Person or a Policyholder, which is not
Insured Person shall continue for a fraudulent, Chubb irrevocably waives
period not exceeding 12 months from all and any rights and remedies it has/
the date of the Hijack or Kidnap until may have as a result of the breach of
such time as the Insured Person has the duty of fair presentation including,
returned to their place of residence. for the avoidance of doubt, any remedy
that would have been available under
Interest the Insurance Act 2015. It is for Chubb
No sum payable by Chubb under to show that a breach was fraudulent.
this Policy shall carry interest unless
payment has been unreasonably For the purposes of this clause, the
delayed by Chubb following receipt of phrase “duty of fair presentation” shall
all the required certificates, information have the same meaning as given to it in
and evidence necessary to support the Insurance Act 2015.
the Claim. Where interest becomes
payable by Chubb, it will be calculated:
a. From the date of final receipt of
15Providing Information to Insured 4. Any expenses which are recoverable
Persons (whether successful or not) by an
The Group Policyholder must provide Insured Person, Policyholder,
a copy of the Insurance Product Group Policyholder or
Information Document (IPID) to all Participating School from:
Insured Persons and must also make a. any tour operator, travel provider,
this Group Policy wording and Group airline, hotel or other service
Policy Schedule available too, stating provider under the terms of any
where the documents can be viewed. contract or any relevant law or
regulation; or
Other Taxes and Costs b. any compensation scheme;
Chubb is required to notify Insured 5. Devaluation of currency or shortages
Persons and the Group Policyholder due to error or omission during
that other taxes or costs may exist monetary transactions;
which are not imposed or charged by 6. Any illegal act of an Insured
Chubb. Person;
7. Misuse of alcohol or solvents by an
NOTE: Conditions relevant only to Insured Person;
the individual Sections are located 8. Drugs ingested by an Insured
and contained in the appropriate Person except for drugs that are
Section. properly prescribed;
9. The Insured Person driving a
vehicle of any kind whilst the alcohol
Policy Exclusions level in their blood exceeds the legal
limit of the country where they are
Chubb will not be liable for payment of driving;
any benefit for Bodily Injury, loss or 10. Air travel, unless the Insured
expense Due to: Person is travelling as a fare-paying
1. The Insured Person's needless passenger in a fixed wing aircraft,
self-exposure to danger except in an which is provided by a licensed
attempt to save human life; airline or air charter company;
2. War, whether declared or not, in the 11. Participation in:
United Kingdom; a. Air Sports; or
3. Any actual or suspected b. motor cycling, other than in
Communicable Disease which respect of mopeds or scooters
results in restrictions impacting a hired during a Journey; or
Journey being introduced or made c. quad biking; or
by any travel or accommodation d. go-karting; or
provider or any government or e. racing or speed or endurance
governmental body. This Policy tests of any kind, other than on
Exclusion does not apply to Claims foot, rowing or yachting in a boat
under Section B1: Medical and other up to 10 metres in length and
Expenses within coastal waters;
f. paid manual work.
1612. Participation in: subject to United Nations resolutions
a. mountaineering or rock climbing or trade or economic sanctions or
involving the use of ropes or other laws of the European Union,
guides; or United Kingdom, or United States
b. hiking, trekking or of America.
mountaineering above 4,000
metres; or Applicable to US Persons only :
c. pot-holing; or Policy cover for a Journey involving
d. caving necessitating the use of travel to/from/through Cuba will
caving equipment; or only be effective if the US Person’s
e. diving involving the use of travel has been authorised by a
external breathing equipment general or specific licence from
(e.g. scuba diving); or OFAC (US Treasury’s Office of
f. jet skiing, white water rafting, Foreign Asset Control). For any
snow mobiling or snow tubing; Claim from a US Person relating
(This Policy Exclusion does not to Cuba travel, Chubb will require
apply to any Journey undertaken verification from the US Person of
within the United Kingdom such OFAC licence to be submitted
where the activity forms part of the with the Claim. US Persons shall be
Participating School’s organised deemed to include any individual
trip itinerary); wherever located who is a citizen
13. Participation in competitive Winter or ordinarily resident in the United
Sports (including, but not limited States (including Green Card
to ski or bob racing, mono skiing ski Holders) as well as any corporation,
jumping, ski boarding, ice hockey or Partnership, association, or other
the use of bobsleighs or skeletons); organisation, wherever organised or
14. Participation in Winter Sports, doing business, which is owned or
other than skating or curling (this controlled by such persons.
Policy Exclusion does not apply if
the Winter Sports Extension is NOTE: Exclusions relevant only to the
stated as ‘Included’ in the Group individual Sections are located and
Policy Schedule). contained in the appropriate Section.
15. Chubb will not pay any Claims
which would result in them being in
breach of United Nations resolutions
or trade or economic sanctions or
other laws of the European Union,
United Kingdom, or United States
of America. An Insured Person
should contact Chubb Customer
Services Team on 0800 519 8026
for clarification of Policy cover for
travel to countries which may be
17Claims provisions
Notification of a Claim Claim and any sums paid by
Chubb in respect of the Claim are
On the happening of any occurrence to be refunded; and
likely to give rise to a Claim under this b. in addition, Chubb may by notice
Policy notice shall be given to Marsh to the Group Policyholder
Limited, Education Practice within 60 treat the Policy as having been
days or as soon as reasonably possible terminated with effect from the
after the date of the occurrence. Please time of the “fraudulent act”,
quote the Policy Number. which means the behaviour that
makes a Claim fraudulent.
Postal Address: 2. If Chubb does treat this Policy as
The Claims Section having been terminated:
Marsh Limited a. it may refuse all liability to the
Education Practice Group Policyholder under the
4 Milton Road Policy in respect of a relevant
Haywards Heath event occurring after the time
West Sussex of the fraudulent act (“relevant
RH16 1AH event” refers to whatever triggers
Chubb's liability under the
T +44 (0) 1444 335 170 Policy);
E epg.claims@marsh.com b. it need not return any of the
Premiums paid under the Policy;
however
Information Chubb may need about c. such termination does not affect
a Claim the rights and obligations of the
parties to the Policy with respect
The Group Policyholder, an Insured to a relevant event occurring
Person or a Policyholder shall at before the time of the fraudulent
its own expense provide Chubb act.
such certificates, information and 3. Where a Policyholder or an
evidence as Chubb may from time to Insured Person makes a fraudulent
time reasonably require in the form Claim under this Policy, paragraphs
prescribed by Chubb in order to action 1 and 2 above apply to the Claim as if
a relevant Claim. Chubb will need to the cover provided for that Insured
be sent any medical certificates or other Person were provided under an
documents, which they ask for. Chubb individual contract between Chubb
will not pay for these. and that Insured Person, such that:
a. Chubb's rights under paragraphs
1 and 2 above are exercisable only
Fraudulent Claims in relation to the cover provided
for that Insured Person; and
1. If the Group Policyholder, makes a b. the exercise of any of those
fraudulent Claim under this Policy: rights does not affect the cover
a. Chubb is not liable to pay the provided under the Policy for
18anyone else. to meet with external third parties,
4. Accordingly: approved by Chubb, to substantiate
a. where a Policyholder or an their Claim.
Insured Person makes a
fraudulent Claim under this Chubb may insist on a post-mortem
Policy: examination if the law allows them to
i. Chubb is not liable to pay ask for one. Chubb will pay for this.
the Claim and any sums paid
by Chubb in respect of the
Claim are to be refunded by Currency
the ultimate recipient of such
sums; Claims involving foreign currency
ii. in addition, Chubb may will be converted into the currency
by notice to the Group in which the Premium and Benefit
Policyholder and the relevant Amounts /indemnity limits are
Policyholder or Insured stated, at the selling rate of exchange
Person treat the Policy as published in the Financial Times on the
having been terminated day nearest to the date of the incident
in respect of that Insured giving rise to the Claim.
Person with effect from the
time of the fraudulent act;
b. if Chubb does treat the Policy Paying Claims
as having been terminated in
respect of the relevant Insured In the event of a Claim Chubb will
Person, paragraph 2 shall apply deal with it based on the cover details
as if it referred to that Insured shown in this Policy wording and
Person instead of the Group Group Policy Schedule sent to the
Policyholder. Group Policyholder, which is in force
at the time of the occurrence leading to
the Claim.
Co-operation
All benefit payments on valid Claims
The Insured Person shall as soon as will be paid in GBP (£) and will be
possible after the occurrence of any paid into the Insured Person's or the
Accidental Bodily Injury: Policyholder's bank account.
1. obtain and follow the advice of a
Doctor; and Chubb will deal with all Claims as
2. the Insured Person must agree to follows:
a medical examination if Chubb 1. Chubb will pay the Benefit Amount
ask for it. Chubb will pay for this for Accidental death to the estate of
and, where agreed, offer reasonable the deceased Insured Person and
transportation costs. the receipt given to Chubb by the
The Insured Person may be required personal representatives shall be a
19full discharge of liability by Chubb Guardian’s receipt shall be a full
in respect of the Claim for such discharge of all liability by Chubb
Benefit Amount. in respect of the Claim for such
2. If the Insured Person is age 18 Benefit Amount or reimbursement.
years or over Chubb will pay 4. Other than Sections and sub-
the Benefit Amount or assessed Sections of this Policy where the
percentage or reimbursement to Benefit Amount is payable to the
the Insured Person and their Group Policyholder for the benefit
receipt shall be a full discharge of all of the Group Policyholder, any
liability by Chubb in respect of the Benefit Amount paid by Chubb
Claim for such Benefit Amount, to the Group Policyholder for the
reimbursement or the assessed benefit of a Policyholder or other
percentage. specified person(s) must be paid by
3. If the Insured Person is under age the Group Policyholder to such
18 years Chubb will pay the Benefit Policyholder or specified person(s)
Amount or assessed percentage or to the extent that they have suffered
reimbursement to the Parent or Bodily Injury, loss or expenses
Legal Guardian (Policyholder) or are otherwise entitled to benefit
of such minor, for the benefit of from this Policy.
that minor. The Parent or Legal
20The Cover
The cover provided by this Policy will apply only if a Benefit Amount
is stated in the relevant Section in the Group Policy Schedule.
21Section A. Injury
If during a Period of Insurance the time of sustaining Bodily Injury
and whilst on a Journey an Insured will be taken into account by Chubb in
Person has an Accident which assessing the level of Benefit Amount
causes Bodily Injury, Chubb will pay payable for Permanent Disability.
the Benefit Amounts stated in the
Schedule of Benefits for Items 1, 2, 3, 4 Disappearance
and 5 below. If an Insured Person disappears
and it is reasonable for the Police or
1. Accidental death registration authorities to believe that
Where Bodily Injury results in the Insured Person has died as a result
Accidental death Chubb will pay of Bodily Injury, Chubb will pay the
the Benefit Amount stated in the death Benefit Amount. The payment
Schedule of Benefits. This Benefit will be subject to a signed undertaking
Amount will only become payable given by the Insured Person's Legal
on production of the final death Representatives that if the Insured
certificate. Person is later found to be alive,
2. Where Bodily Injury results in the death Benefit Amount shall be
permanent Loss of Sight in Both refunded to Chubb.
Eyes Chubb will pay the Benefit
Amount stated in the Schedule of Exposure
Benefits. If an Insured Person suffers Bodily
3. Where Bodily Injury results in Injury as a result of unavoidable
permanent Loss of Sight in One exposure to severe weather conditions,
Eye Chubb will pay the Benefit Chubb will consider it as having been
Amount stated in the Schedule of caused by an Accident.
Benefits.
4. Where Bodily Injury results in Payment of Benefit under multiple
permanent Loss of Limb (one or Items
more) Chubb will pay the Benefit The total amount payable under Items
Amount stated in the Schedule of 2, 3, 4 and 5 stated above will not
Benefits. exceed the Maximum Benefit Amount
5. Where Bodily Injury results in stated in the Schedule of Benefits in
Permanent Total Disablement respect of any one Accident.
Chubb will pay the Benefit Amount
stated in the Schedule of Benefits.
Section A – Definitions
Section A – Specific Provisos Loss of Limb
a. In respect of a leg (lower limb):
Known conditions i. physical severance or total loss of
Any contributory degenerative functional use above the level of
condition or disablement (as the ankle (talo-tibial joint); or
determined by a Doctor) known by an ii. the permanent total loss of use of
Insured Person to be in existence at an entire foot or leg.
22b. In respect of an arm (upper limb): training, education or experience.
i. permanent physical severance b. If the Insured Person was not in
of the four fingers at or above gainful employment at the date of
the metacarpal phalangeal joints the Accident:
(where the fingers join the palm A form of Permanent Disability
of the hand); or calculated on a medical assessment
ii. the permanent total loss of by Chubb or an independent
functional use of an entire hand medical expert appointed by
or arm. Chubb, which results in the Insured
Person's inability to perform,
Loss of Sight in Both Eyes without assistance from another
Permanent blindness which, based on person, at least 2 of the following
medical evidence, the Insured Person activities of daily living:
will never recover from, and which • eating;
results in their name being added (on • getting in and out of bed;
the authority of a qualified ophthalmic • dressing and undressing;
specialist) to the Register of Blind • toileting;
Persons maintained by the Government • walking 200 metres on level
of the United Kingdom. ground.
Loss of Sight in One Eye
Permanent blindness which, based on Section A – Exclusions
medical evidence, the Insured Person
will never recover from, in an eye to Chubb will not be liable for payment of
the degree that, after correction using any benefit for Bodily Injury, loss or
spectacles, lenses or surgery, objects expense Due to:
that should be clear from 60 feet away 1. Any illness or disease not directly
can only be seen from 3 feet away or resulting from Bodily Injury;
less. 2. Suicide, attempted suicide or
deliberate self-inflicted injury by the
Permanent Disability Insured Person regardless of the
Disablement which has lasted for at state of their mental health;
least 24 months which, in the opinion 3. Repetitive stress (strain) injury or
of a Doctor, is beyond the hope of syndrome or any gradually operating
recovery. cause;
4. Post-traumatic stress disorder
Permanent Total Disablement or a related syndrome or any
a. If the Insured Person was in gainful psychological or psychiatric
employment at the date of the condition diagnosed before a
Accident: Journey begins.
A Permanent Disability which
stops the Insured Person from
carrying out gainful employment
for which they are fitted by way of
23Section B. Travel
Section B1 – Medical & other emergency that may potentially
expenses give rise to a Claim.
b. Where it is reasonable and
Chubb Assistance is available practical to do so, the Group
whenever an Insured Person is on a Policyholder, the Policyholder
Journey covered by this Section B1. or the Insured Person must
make arrangements for In-
The number to call in an emergency patient treatment and/or
is +44 (0) 20 3282 0107. day surgery only with the
involvement and/or agreement of
If during the Period of Insurance an Chubb Assistance.
Insured Person becomes ill or sustains c. Chubb shall cease to cover the
injury during a Journey Chubb will Insured Person if they elect
pay the Group Policyholder or to remain in the country where
the Policyholder up to the Benefit Medical Expenses were first
Amounts stated in the Schedule of incurred after Chubb Assistance
Benefits for any one Journey for the has deemed it to be appropriate
following: to repatriate the Insured Person.
1. Medical Expenses outside the 2. Coma outside of the United
United Kingdom Kingdom
Reasonable and necessary costs If the Insured Person remains
incurred outside of the United in a Coma outside of the United
Kingdom for immediate medical, Kingdom up to a maximum of 730
surgical or other remedial attention days.
or treatment given or prescribed
by a Doctor, Hospital, or nursing 3. Hospital Confinement outside of
home, ambulance charges, dental the United Kingdom
and optical expenses incurred in an Admission to a Hospital outside the
emergency or as a result of injury, United Kingdom for a continuous
suicide or attempted suicide. Dental period of 24 hours or more on the
expenses are restricted to those advice of and under the constant
incurred only for the immediate supervision of a Doctor. The
and direct relief of pain for the amount payable will be doubled for
duration of the Journey. Expenses Hospital Confinement on a public
associated with pregnancy are or bank holiday in the country
covered if incurred in an emergency where the Insured Person has been
as a result of complications (where admitted.
such complications are diagnosed
by a Doctor who specialises in 4. Hotel Confinement outside of the
obstetrics). United Kingdom
a. Chubb Assistance must be Following a payment for hospital
informed immediately or as soon confinement outside of the United
as reasonably possible of any Kingdom, a daily amount for which
24the Insured Person is advised by the ii. the Group Policyholder
Doctor to remain in their hotel after or the Policyholder will
being discharged from Hospital. reimburse Chubb in respect of
all costs incurred in the event
5. Supplementary Travel, Childcare of repatriation services being
and Accommodation Expenses provided by Chubb Assistance
Reasonable additional costs in good faith to any person not
necessarily incurred for: insured under this Policy.
a. travel and accommodation of
up to three relatives, friends or 7. On-going treatment as an In-
close business associates who, on patient following repatriation
medical advice from a Doctor, If in the 52 weeks immediately
are advised to travel to or remain following repatriation to the
with the Insured Person whilst United Kingdom, the Insured
outside of the United Kingdom; Person requires on- going medical
and treatment as an In-patient for the
b. the care of Children as a result same injury or illness, Chubb will
of the Insured Person's Partner pay the Policyholder in respect
who, on the medical advice of a of reasonable Medical Expenses
Doctor, is required to travel to or necessarily incurred and arranged
remain with the Insured Person by Chubb Assistance. The Insured
as a result of the Insured Person Person will normally be admitted to
sustaining injury or becoming ill a NHS hospital or local equivalent for
during a Journey outside of the treatment. Private treatment will be
United Kingdom. considered only where it is deemed
necessary e.g. where, in the opinion
6. Repatriation Expenses of Chubb Assistance, a NHS hospital
Reasonable costs necessarily or local equivalent cannot facilitate
incurred in repatriating the Insured the Insured Person or provide the
Person to the most suitable Hospital treatment within a reasonable period
or to the Insured Person's normal of time.
residence in the United Kingdom
at the earliest opportunity provided 8. Search and Rescue Expenses
that such repatriation is: If an Insured Person is reported
a. medically necessary; and as missing outside of the United
b. organised by Chubb Assistance Kingdom and it becomes necessary
provided that: for the rescue or police authorities
i. the Group Policyholder, the to instigate a search and rescue
Policyholder or the Insured operation where:
Person must not make or a. it is known or believed that the
attempt to make arrangements Insured Person may have
without the involvement sustained injury or suffered
and/or agreement of Chubb illness; or
Assistance; and b. weather or safety conditions are
25such that it becomes necessary to Chubb in the event of a Claim.
to do so in order to prevent the
Insured Person from sustaining 9. Repatriation of Mortal Remains
injury or suffering illness, Reasonable additional costs in the
Chubb will pay the Group event of death to repatriate the
Policyholder or the Policyholder Insured Person's body or ashes
in respect of the necessary and and Personal Belongings and/or
reasonable costs incurred by Business Equipment to the United
Chubb Assistance and/or levied Kingdom or their country of origin
by recognised rescue or police or domicile and for funeral expenses
authorities in searching for such incurred provided that such
Insured Person and for bringing repatriation is organised by Chubb
them to a place of safety provided Assistance.
that:
a. all reasonable local safety advice 10. Petcare as a result of
and precautions have been Hospitalisation
obtained and followed; The costs incurred for additional
b. Chubb Assistance is informed domestic cattery and kennel fees for
immediately or as soon as pets owned by an Insured Person
reasonably possible of any whilst the Insured Person is on
emergency that may potentially a Journey outside of the United
give rise to a Claim; Kingdom, if the Insured Person
c. where it is reasonable and is admitted to Hospital as an In-
practical to do so, the Group patient, which results in a delayed
Policyholder, the Policyholder return for more than 24 consecutive
or the Insured Person makes hours at the end of the original pre-
arrangements for search and booked Journey.
rescue only with the involvement
and/or agreement of Chubb 11. Medical Expenses in the United
Assistance; Kingdom
d. expenses are only payable for the Reasonable and necessary costs
Insured Person's proportion of incurred in the United Kingdom
the search and rescue operation; for medical treatment deemed
e. costs will only be covered up necessary by a Doctor, if an
to the point where the Insured Insured Person has an Accident
Person is recovered by search which causes injury whilst on a
and rescue or at the time where Journey either within or outside the
the search and rescue authorities United Kingdom.
advise that continuing the search
is no longer viable; 12. Funeral Expenses
f. a written statement from the Reasonable and necessary costs
appropriate rescue authorities approved by Chubb Assistance
involved in the search and/or for funeral expenses incurred
rescue is obtained and provided for the burial or cremation of an
26Insured Person outside of the 15. Childcare expenses as a result of
United Kingdom or their country Hospital Stay or death
of origin or domicile and the cost of Chubb will pay up to the Benefit
transporting the Insured Person's Amount shown in the Schedule of
Personal Belongings and/or Benefits for reasonable additional
Business Equipment. costs necessarily incurred for
childcare expenses as a direct result
13. Dental Expenses on return to the of a Hospital Stay or death of an
United Kingdom Insured Person during a Journey
Chubb will pay up to the Benefit outside of the United Kingdom.
Amount shown in the Schedule Chubb shall only be liable for
of Benefits for reasonable and expenses incurred during the first 14
necessary costs incurred with the days following the Hospital Stay or
prior consent of Chubb in the death.
United Kingdom or the Insured
Person's country of origin or
domicile for dental treatment Section B1 – Definition
deemed necessary by a Doctor
(this includes doctors/specialists Coma
in dentistry, see definition on page An extended period of unconsciousness
10 for full details), if an Insured from which an Insured Person cannot
Person has an Accident which be aroused even with the most painful
causes injury whilst on a Journey stimuli and assessed by a Doctor as
outside the United Kingdom or the scoring less than 9 on the Glasgow
Insured Person’s country of origin Coma Scale (GCS).
or domicile.
14. Emergency Dental Expenses in Section B1 – Exclusions
the United Kingdom
Chubb will pay up to the Benefit Journeys not covered:
Amount shown in the Schedule 1. any Journey taken against the
of Benefits for reasonable and advice of a Doctor;
necessary costs for unforeseeable 2. where the purpose of the Journey
emergency dental expenses for is to receive medical treatment or
the relief of pain incurred within advice; or
the United Kingdom or the 3. where the purpose of the Journey
Insured Person’s country of is directly or indirectly related to
origin or domicile and where the a medical condition or situation
Journey is more than 100 miles known to exist by the Insured
(160 kilometres) from their normal Person.
residence and is for a duration
of more than 3 consecutive days For Journeys that are covered, Chubb
involving an overnight stay or an air shall not be liable for:
flight. 1. any expenses which are recovered
27from any national insurance the Schedule of Benefits for any one
programme in connection with any Journey.
Claim;
2. any expenses incurred 52 weeks 3. Personal Belongings Delay
after the time of the incurring of the If access is denied to all or part of
first expense for the treatment of the Insured Person's Personal
psychiatric or mental disorders; or Belongings Chubb will reimburse
3. any expenses incurred 52 weeks the Policyholder in respect of sums
after: paid for the purchase of reasonable
a. emergency repatriation to the and essential items of replacement
United Kingdom in respect of clothing or toilet requisites. Any
expenses of on-going medical Benefit Amount paid under this
treatment as an In-patient; or extension will be deducted from
b. the time of the incurring of the any subsequent Benefit Amount
first expense in respect of other payable under Personal Belongings
expenses. in respect of the same loss.
4. The Excess as stated in the Schedule
of Benefits per Claim. 4. Loss or Delay of Home Keys or
Car Keys
If access is denied to the Insured
Section B2 –Personal Belongings & Person's home keys (including
Business Equipment safe and alarm keys) or car keys
(including leased or hired vehicles)
1. Business Equipment for more than 4 hours after the
If during the Period of Insurance Insured Person's disembarkation
the Group Policyholder sustains inside the United Kingdom on
loss of or damage to Business completion of the final leg of their
Equipment during a Journey Journey as a result of loss or theft
undertaken by an Insured of such keys occurring outside of
Person, Chubb will pay the Group the United Kingdom, or delay of
Policyholder in respect of such Personal Belongings containing
loss or damage up to the Benefit such keys, Chubb will pay the
Amount stated in the Schedule of Policyholder up to the Benefit
Benefits for any one Journey. Amount stated in the Schedule
of Benefits for reasonable and
2. Personal Belongings necessary costs incurred for:
If during the Period of Insurance a. having such keys or spare keys
an Insured Person sustains loss couriered to the Insured Person;
of or damage to their Personal or
Belongings during a Journey, b. reasonable costs of travel to
Chubb will pay the Policyholder obtain spare keys; or
in respect of such loss or damage c. locksmiths charges in gaining
up to the Benefit Amount stated in access and/or replacing locks
28damaged in gaining access to destruction of any article of
the Insured Person's home or Personal Belongings the basis
car and the reprogramming of of settlement shall be the cost of
remote control car keys. replacing the article as new provided
that:
5. Repatriation of Personal a. the replacement article is
Belongings substantially the same but not
Chubb will pay up to the Benefit better than the original article
Amount for reasonable and when new; and
necessary costs approved by b. the receipt for the replacement
Chubb Assistance of repatriating item is provided.
the Insured Person’s Personal 3. In the event of total loss or
Belongings in the event that the destruction of any article of
Insured Person is required to be Business Equipment the basis
repatriated for medical reasons of settlement shall be the market
to the United Kingdom or their value of the article at the date of loss
country of origin or domicile. taking into account wear, tear and
depreciation.
6. Repatriation of Business
Equipment
Chubb will pay up to the Benefit Section B2 – Specific Proviso
Amount for reasonable and
necessary costs approved by The Insured Person shall take all
Chubb Assistance of repatriating reasonable precautions for the safety
the Insured Person’s Business of their Personal Belongings and
Equipment in the event that the all reasonable steps to recover any
Insured Person is required to be property which is lost or stolen.
repatriated for medical reasons
to the United Kingdom or their
country of origin or domicile. Section B2 – Definition
Valuables
Section B2 – Basis of settlement Valuables means cameras and other
photographic equipment, telescopes
1. On the happening of any loss or and binoculars, Audio/Video
damage Chubb shall be entitled: equipment (including radios, cassette/
a. to take and keep possession compact disc players, ipods, mp3
of any article and to deal with and mp4 players, camcorders, DVD,
salvage in a reasonable manner; video, televisions, and other similar
and/or audio and video equipment), mobile
b. at its own option to repair or phones, satellite navigation equipment,
replace any article for which it is computers and computer equipment
liable. (including PDAs, personal organisers,
2. In the event of total loss or laptops, notebooks, netbooks and
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