Key Facts of Insurance

POLICY SUMMARY AND KEY FACTS PERSONAL TRAVEL INSURANCE

COVER ONLY APPLIES WHERE YOU HAVE PAID THE APPROPRIATE PREMIUM

Europ Assistance Holdings Limited, Sussex House, Perrymount Road, Haywards Heath, West Sussex RH16 1DN

Europ Assistance Holding Irish Branch, 3rd Floor, St James House, Adelaide Road, Dublin 2, Ireland

INTRODUCTION

This document contains a summary of the policy terms and conditions and Key Facts. The full terms can be found in the policy document which you can request now or which will be made available when you pay the premium.

TYPE OF INSURANCE AND COVER PROVIDED

This policy of insurance provides cover for individuals travelling outside the UK. For those policies sold to residents of the Republic of Ireland any reference in this policy document to the “UK Area” should read the “Republic of Ireland”.

SIGNIFICANT FEATURES AND BENEFITS

The main features and benefits of the policy are detailed below:

KEY FACTS

THE FINANCIAL SERVICES AUTHORITY (FSA)

The FSA is the independent watchdog in the United Kingdom that regulates financial services. It requires us to give you this document. Use this information to decide if our services are right for you.

WHOSE PRODUCTS DO WE OFFER?

We only offer our own products for assistance and insurance.

WHICH SERVICE WILL WE PROVIDE YOU WITH?

You will not receive advice or a recommendation from us in relation to the products we offer. We may ask some questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed.

WHAT WILL YOU HAVE TO PAY FOR OUR SERVICES?

You will receive a quotation which will tell you about any payments in relation to any particular insurance policy.

WHO REGULATES US?

Europ Assistance Holdings Limited is authorised and regulated by the Financial Services Authority. Our FSA Register number is: 311883
Our permitted business is as follows: advising customers on non-investment contracts, making arrangements with a view to transactions in non-investment contracts, arranging non-investment insurance contracts, dealing as an agent in non-investment insurance contracts, assisting in the administration and performance of non-investment insurance contracts.

You can check this on the FSA’s register by visiting the FSA’s website www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234.

Europ Assistance Holding Irish Branch is authorised and regulated by the Commission de Controle des Assurances des Mutuelles et des Institutions des Prevoyance.
Our Register number is: 2002 04 02
Our permitted business is the provision of insurance.
You can check this by contacting the Commission at 54 rue de Chateadun 75436 Paris, France.

DURATION OF COVER

This is shown on your confirmation of booking.

REVIEWING COVER

You should review the cover provided immediately to ensure it remains adequate for your needs.

YOUR RIGHTS TO CANCEL

You have the right to cancel any policy of insurance within 14 days of the date of issue or receipt of the terms and conditions, whichever is later. We will refund to you any premium you have paid and will recover from you any payments we have made.

WHAT TO DO IF YOU HAVE A CLAIM UNDER THE POLICY?

If you take out a policy and then have a claim pursuant to the terms and conditions of the policy you should write, as appropriate, to the Claims Department, Europ Assistance Holdings Limited, Perrymount Road, Haywards Heath, West Sussex RH16 1DN.

WHAT TO DO IF YOU HAVE A COMPLAINT?

If you wish to register a complaint please contact us:
…in writing Write, as appropriate, to the Quality Department, Europ Assistance Holdings Limited, Perrymount Road, Haywards Heath, West Sussex RH16 1DN, or Quality Department, Europ Assistance Holding Irish Branch, Perrymount Road, Haywards Heath, West Sussex, RH16 1DN.
… by phone Telephone 0845 358 8008
If you cannot settle your complaint directly you may be entitled to refer it to the Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR.

DEMANDS AND NEEDS

This product meets the demands and needs of those who wish to ensure that they are covered for emergency medical expenses when they travel abroad, and either a) have no pre-existing medical conditions or b) have declared such conditions and had them accepted in writing.

Benefits	Significant or Unusual Exclusions or Limitations	Excess	Limit	Policy Reference
Personal Assistance Provides help to replace lost travel documents, or prescription medication, trace luggage or to transfer emergency funds.	The cost of any items or of blood (unless insured under another Section of this policy)	Nil	£250 (€ 350)	Section 1
Medical Emergency & Repatriation If you have a sudden and unforeseen accident or illness during your trip we will pay for your reasonable medical expenses and the costs of bring you back to the UK.	In the event of a claim you must contact us immediately or cover may be declined You must obtain our prior authorisation before incurring expenses of more than £500 Cosmetic surgery We will not pay claims arising from any pre-existing medical condition unless declared to us and accepted in writing by us Lower limits may apply if cover is provided for pre-existing conditions	£35 (€ 40)	£5,000,000 (€ 7,000,000)	Section 2
Emergency Dental Treatment We will pay for the cost of providing temporary treatment for the immediate relief of pain	Any self-inflicted damage, including damage caused by tooth-brushing Dental treatment involving the provision of dentures or artificial teeth or the use of precious metals Any damage to dentures when not being worn by you	£35 (€ 40)	£250 (€ 350)	Section 3
Additional Accommodation & Travelling Costs We will pay for the additional accommodation and travelling costs of anyone medically required to accompany you home	You must contact us first and we must make all travel arrangements Accommodation costs other than the cost of the room	Nil	Nil £750 (€ 1,000)	Section 4
Hospital Daily Benefit We will pay you a daily benefit per complete day of in-patient treatment up to a maximum amount.	Trips within the UK are not covered	Nil	£250 (€ 350)	Section 5
Cancellation, Curtailment & Trip Interruption We will pay for the costs of your trip if you have to cancel because of the unforeseen illness or death of a close relative, or if your presence is required in the UK because you are called up on jury service, subpoenaed as a witness in a court of law, or your home has been severely damaged, or you are made redundant, or you are compulsorily quarantined, or if you cancel after a 12-hour delay.	Claims arising from any pre-existing medical condition unless declared to us and accepted in writing by us Cancellation because of pregnancy or childbirth unless the cancellation is necessary due to certified medical complications Claims arising from any circumstances you knew about when booking the journey which indicated you might need to cancel. Failure of the provider of any part of the booked trip to supply the service or transport	£35 (€ 40)	£3,500 (€ 5,000)	Section 7
Missed Departure on the Outward Journey We will pay reasonable additional travelling and accommodation expenses necessarily incurred to reach your booked destination because of failure of public transport, or breakdown of or accident to the private vehicle in which you are travelling	Claims arising from strike or industrial action which was common knowledge before you made arrangements for your trip Additional costs where the public transport operator offered reasonable alternative arrangements. Claims due to you allowing insufficient time to reach your departure point	Nil	£350 (€ 500)	Section 8
Personal Luggage If your luggage is lost, stolen or damaged we will pay for the cost of replacement (less wear, tear and depreciation).	Limits apply per single item, pairs and sets and for valuables. Claims where you left items in an unattended motor vehicle if not locked out of sight and no forcible and violent means of entry were evident. Loss of valuables from checked-in luggage or unattended motor vehicles Losses not supported by a report from the police or Carrier. You must not leave your luggage unattended or beyond your reach in public areas	£35 (€ 40)	£1,500 (€ 2,100) Single Article £350 (€ 500) Valuables £350 (€ 500)	Section 9
Luggage Delay on the Outward Journey We will pay a benefit to purchase essential items if your luggage is delayed on your outward journey	Trips within the UK are not covered You must provide receipts and a report from the Carrier confirming the length of the delay	Nil	Over 24 hrs: £100 (€ 140)	Section 10
Money & Passport We will cover you for the loss of money you are carrying on your person or which you have left in a safety deposit box. If you lose your passport we will pay for reasonable travel and accommodation costs incurred in replacing it.	Losses not reported to the police or Carrier within 24 hours Losses not supported by a written report from the police or carrier Lower limits apply for under 16s	£35 (€ 40)	Money: £500 (€ 700) Cash: £300 (€ 425) Passport: £250 (€ 350)	Section 11
Personal Liability If you become legally liable for accidentally injuring any person or damaging their property, we will cover you against all sums which you become legally liable to pay and all costs awarded to the claimant or incurred in defending the claims	We will only pay if no other insurance is in force covering the loss We will not pay for injuries or death of your family or household We will not pay for property belonging to a member of your family or household We will not pay for losses arising directly or indirectly from the ownership or use of aircraft, vehicles, boats, animals or firearms We will not pay for losses arising from the transmission of a communicable disease Trips within the UK are not covered	£35 (€ 40)	£2,000,000 (€ 2,750,000)	Section 12
Personal Accident Covers you for loss of life, limb or sight that occurs during the trip after an accident.	Reduced benefits for under 16s and over 65s Injuries not caused by outward, violent and visible means are not covered	Nil	£25,000 (€ 36,000)	Section 13
Legal Protection If you suffer death, illness or injury during your trip and decide to take legal action in pursuit of compensation, we will pay for legal costs and additional travel expenses.	We will only pay where we consider that you are likely to obtain a reasonable settlement We will have complete control over the legal proceedings We will not pay for costs or expenses not authorised by us We will not pay for claims not reported within 90 days of the incident Trips within the UK are not covered We will not pay for claims against us, our agents a travel agent, tour operator or Carrier	Nil	£25,000 (€ 36,000)	Section 14
Optional Golf cover – Your policy can be extended to cover golfing on payment of an additional premium
Golf Equipment In addition to Section 9 we will pay if your golf equipment is lost, stolen or damaged	more than £50 (€ 70) per single item, up to a maximum of £150 (€ 200) in total for any one claim if you are unable to provide the original receipt , proof of purchase or an insurance validation which was obtained prior to the loss; Golf Equipment which is over three years old; Losses not supported by a report from the police or Carrier. damage to, loss or theft of Golf Equipment, which is being carried on a vehicle roof rack; damage to, loss or theft of Golf Equipment, if it has been left: unattended in a place to which the public have access; or left in an unattended motor vehicle; or in the custody of a person who does not have an official responsibility for the safekeeping of the property; any claim for damage to Golf Equipment whilst in use	£35 (€ 40)	Golf equipment: £1,000 (€ 1,250)	Section 15
Golf Equipment Hire If your own Golf Equipment is lost, stolen, damaged, misdirected or delayed in transit by more than 24 hours we will pay for the cost of hiring the necessary Golf Equipment for each 24 hour period you are without your own Golf Equipment.	Losses not supported by a report from the police or Carrier. damage to, loss or theft of Golf Equipment, which is being carried on a vehicle roof rack; damage to, loss or theft of Golf Equipment, if it has been left: unattended in a place to which the public have access; or left in an unattended motor vehicle; or in the custody of a person who does not have an official responsibility for the safekeeping of the property	Nil	£15 (€ 20) per day Maximum: £300 (€ 400)	Section 16
Non-refundable Golfing Fees We will pay for the proportionate value of any non-refundable Pre-paid green fees, or Golf Equipment hire fees, or Tuition hire fees which are not used due to you being involved in an Accident, or your sickness, or adverse weather conditions which causes the closure of the golf course.	We will not pay claims arising from any pre-existing medical condition unless declared to us and accepted in writing by us claims arising directly from a medical condition which is not substantiated by a report from the treating doctor confirming your inability to play golf;	Nil	£75 (€ 100) per day Maximum: £300 (€ 400)	Section 17
Optional Winter Sports cover – Your policy can be extended to cover winter sports on payment of an additional premium
Cancellation or Curtailment In addition to Section 6 cover includes financial loss from unused ski passes, ski-school fees and unused ski-pack if you are certified as unable to ski.	The following activities are NOT covered: bobsleigh, heli-skiing, ice hockey, luge, paraskiing, skeleton, ski jumping, ski racing, ski stunting, offpiste skiing, off-piste snowboarding The following activities are only covered on payment of an additional premium. Personal Accident and Personal Liability cover is not provided: Skidoo, Snow mobiling You must take reasonable precautions to secure the safety of your skis and ski equipment Trips in the Northern Hemisphere between 1 April and 31 October and trips in the southern hemisphere between 1 October and 30 April are NOT covered.	£35 (€ 40)	– Cancellation limit of £3,500 (€ 5,000)	Section 18
Skis, Ski Equipment and Ski Pass In addition to Section 9 we will pay if the ski equipment owned or hired by you, or your ski-pass is lost or damaged		£35 (€ 40)	Ski equipment: £500 (€ 700) Ski pass: £100 (€ 250)	Section 19
Luggage Delay In addition to Section 10 we will pay a benefit for the hire of replacement skis if your luggage is delayed on your outward journey		Nil	£30 (€ 40) per day Maximum: £300 (€ 400)	Section 20
Piste Closure We will pay a benefit if lack of snow prevents you from skiing for more than 24 hours		Nil	£20 (€ 25) per day Maximum: £200 (€ 250)	Section 21
Avalanche or Landslide If access to and from a ski resort is blocked we will pay a benefit toward reasonable extra travel and accommodation costs		Nil	£30 (€ 40) per day Maximum: £150 (€ 200)	Section 22

SIGNIFICANT EXCLUSIONS OR LIMITATIONS

The primary exclusions and limitations under this policy are:

• You must declare all Material Facts that are likely to affect this insurance. Failure to do so may prejudice entitlement to claim. Please refer to the definition of a 'Material Fact’ in the Meaning of Words.
• This policy contains restrictions regarding Pre-existing Medical Conditions which unless declared and accepted by the Insurers in writing prior to travel may invalidate any subsequent claim.
• Special Sports & Activities: This policy specifically excludes participating in or practising for certain sports and activities.
• We will not pay any claim arising directly or indirectly from your drug addiction or solvent abuse, excessive alcohol intake, or You being under the influence of alcohol or drug(s).
• We will not pay if the Insured Person travelling to a country or specific area or event to which the Foreign and Commonwealth Office has advised persons not to travel.
• No Section of this policy shall apply in respect of any person who has reached the age of 80 years at the commencement of the Period of Insurance.
• This policy contains strict limits on the length of time You can spend travelling abroad on each Trip. Please refer to the definition of the 'Trip’ in the Meanings of Words. TRAVELLING OR INTENDING TO TRAVEL IN EXCESS OF THE TRIP LIMITS WILL INVALIDATE ANY CLAIMS RELATING TO THAT PARTICULAR TRIP. Trips must commence and end in the UK Area and a return ticket must have been booked prior to departure.
• In the event of a medical emergency you must contact us as soon as possible. You MUST contact us before incurring expenses in excess of £500. If you are physically prevented from contacting us immediately, you or someone designated by you must contact us within 48 hours.
• Any claim under Sections 2, 3, 4, 5 or 6 arising directly or indirectly from pregnancy within 8 weeks (or 16 weeks in the case of a known multiple pregnancy) of the estimated date of delivery.
• If you use a motor vehicle, motor cycle, moped, scooter, sail or powered boat, or an aircraft, no liability cover will apply under this policy and you must ensure that you have cover for third party injury or property damage in place.
• While this policy provides cover for your Personal Luggage, if you are planning to take expensive items such as sophisticated photographic equipment, jewellery and other Valuables with you then you should check that you have adequate personal possessions cover, under a home contents insurance.
• Personal Property Claims are paid based on the value of the goods at the time that they are lost and not on a 'new for old basis’ or replacement cost basis; thus a deduction is made for wear, tear, and depreciation. Payment of any claims in respect of any one article or Pair or Set of articles will be limited to £50 unless satisfactory proof of ownership is submitted. Evidence of replacement value is not sufficient.
• Most Sections of your policy have limits on the amount the Insurer will pay under that Section. Some Sections also include other specific limits, for example: For any one item or for Valuables in total.
• Under most Sections of the policy, claims will be subject to an excess. This means that you will be responsible for paying the first part of the claim up to the amount of the excess per Insured Person each and every incident.
• Reasonable Care: You need to take all reasonable care to protect yourself and your property, as you would if you were not insured.
• We will not pay for any claim arising from any deliberately careless or deliberately negligent act or omission by You, nor for any claim arising or resulting from Your own illegal or criminal act.

POLICY SUMMARY AND KEY FACTS CONTINENTAL MOTOR BREAKDOWN

COVER ONLY APPLIES WHERE YOU HAVE PAID THE APPROPRIATE PREMIUM

Europ Assistance Holdings Limited, Sussex House, Perrymount Road, Haywards Heath, West Sussex RH16 1DN

Europ Assistance Holding Irish Branch, 3rd Floor, St James House, Adelaide Road, Dublin 2, Ireland

INTRODUCTION

This document contains a summary of the main policy terms and conditions and Key Facts. The full terms can be found in the policy document which you can request now or which will be made available when you pay the premium.

TYPE OF INSURANCE AND COVER PROVIDED

Motor breakdown insurance providing roadside assistance and vehicle recovery services in Europe.

SIGNIFICANT FEATURES AND BENEFITS

• Dedicated 24 hour telephone number for assistance 365 days a year
• Up to £750 (€ 1,000) for a hire car for your trip abroad should your vehicle breakdown and not be repaired within seven days prior to your departure.
• Up to £250 (€ 350) for roadside assistance abroad and if necessary, transportation of you and your vehicle to the nearest suitable repairer
• If the vehicle can not be repaired the same day whilst abroad, transportation of you and your vehicle to your original destination or a hire car to enable you to continue your trip
• Repatriation of you and your vehicle to your home if the vehicle can not be repaired by the end of your trip Up to £175 (€ 225) to secure your vehicle if broken in to Up to £25,000 (€ 36,000) legal expenses benefit to pursue compensation if you suffer a personal injury or death as a result of a road traffic accident

SIGNIFICANT EXCLUSIONS OR LIMITATIONS

Words in bold below refer to the relevant sections found in the full Policy Wording. Cover only applies to:

• Vehicles under 10 years old (or 10 years and over when the appropriate additional premium has been paid) – see Insured Vehicle
• Vehicles up to 3500kg (or, subject to payment of the appropriate Minibus additional premium, 4,600 kg), length 7m, height 3m, width 2.25m – see Insured Vehicle
• Vehicles carrying not more than the number of seats in the vehicle up to a maximum of 8 persons including the driver (or, subject to payment of the appropriate Minibus additional premium, an overall maximum of 19 including the driver) – see Insured Vehicle
• Countries within the specified geographical limits of the policy – see Geographical Limits

Cover does not include:

• Any claim for trips solely within the UK (or within Ireland if the policy is sold in Ireland) – see Section 1 Prior to departure benefits when the policy is purchased less than 10 days before your planned departure date – see Section 1
• The cost of replacement parts or other materials used in the repair – see Section 3 Vehicles which have not been maintained or are not in a roadworthy condition when cover is purchased - see General Exclusions
• The use of specialist off-highway-recovery equipment or winching costs – see General Exclusions
• A pre-booked journey exceeding 91 consecutive days – see Trip
• Legal expenses benefit when a claim is not notified to us within 90 days of the incident or for a claim made against Europ Assistance, a travel agent, tour operator or carrier – see Section 11

DURATION OF COVER

Please see the your confirmation of booking for the duration of cover. All benefits apply for the duration of each Trip.

REVIEWING COVER

You should review the cover provided by this policy of insurance on a regular basis to ensure it remains adequate for your needs.

YOUR RIGHTS TO CANCEL

You have the right to cancel this policy of insurance within 14 days of the date of issue or receipt of the terms and conditions, whichever is the later. We will refund to you any premium you have paid. After 14 days no part of your premium will be returned or refunded to you.

WHAT TO DO IF YOU HAVE A CLAIM UNDER THE POLICY?

If you require assistance, your first point of contact should be the emergency telephone number contained in the policy wording.

WHAT TO DO IF YOU HAVE A COMPLAINT?

If you wish to register a complaint please contact us:

…in writing	Quality Department, Europ Assistance Holdings Limited, Sussex House, Perrymount Road, Haywards Heath, West Sussex RH16 1DN
… by phone	Telephone 0845 3588008
… by email	quality@europ-assistance.co.uk

If you cannot settle your complaint directly you may be entitled to refer it to the Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR or telephone 0845 080 1800.

DEMANDS AND NEEDS

This product meets the demands and needs of those who wish to ensure that they are covered for roadside assistance and recovery in Europe.

KEY FACTS

THE FINANCIAL SERVICES AUTHORITY (FSA)

The FSA is the independent watchdog in the United Kingdom that regulates financial services. It requires us to give you this document. Use this information to decide if our services are right for you.

WHOSE PRODUCTS DO WE OFFER?

We only offer our own products for assistance and insurance.

WHICH SERVICE WILL WE PROVIDE YOU WITH?

You will not receive advice or a recommendation from us in relation to the products we offer. We may ask some questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed.

WHAT WILL YOU HAVE TO PAY FOR OUR SERVICES?

You will receive a quotation which will tell you about any payments in relation to any particular insurance policy.

WHO REGULATES US?

Europ Assistance Holdings Limited is authorised and regulated by the Financial Services Authority. Our FSA Register number is: 311883

Our permitted business is as follows: advising customers on non-investment contracts, making arrangements with a view to transactions in noninvestment contracts, arranging non-investment insurance contracts, dealing as an agent in noninvestment insurance contracts, assisting in the administration and performance of non-investment insurance contracts.You can check this on the FSA’s register by visiting the FSA’s website www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234.

Europ Assistance Holding Irish Branch is authorized and regulated by the Commission de Controle des Assurances des Mutuelles et des Institutions des Prevoyance. Our Registered number is: 2002 04 02

Our permitted business is the provision of insurance.

You can check this by contacting the Commission at 54 rue de Chateadun 75436 Paris, France.