Key Facts of Insurance

PERSONAL TRAVEL INSURANCE

Policy Summary

This policy summary does not contain the full terms and conditions of the cover. Full terms and conditions can be found in the policy document.

Insurer

The insurer of this policy is Europ Assistance Holding Irish Branch. Benefits and services under this policy are provided by Europ Assistance Holdings Limited.

Type of insurance and cover provided

This is a policy of personal travel insurance which provides cover, subject to certain terms and conditions, for losses as a result of specified events which may occur before or during a trip including cancellation, loss of baggage and medical expenses.

Statement of demands and needs

This product meets the demands and needs of those who wish to recover the cost of emergency medical expenses and other specified losses that could occur while you are traveling. You will not receive advice or recommendation from us in relation to this policy. You will need to make your own decision as to whether it suits your needs.

Eligibility requirements

To be eligible for this insurance, the following requirements must be met:

• you must habitually reside in the United Kingdom (i.e. have your main home in the United Kingdom and have not spent more than 6 months abroad in the year prior to purchasing the policy); and
• at the commencement of the Period of Insurance not be more than 79 years of age.

Significant features and benefits

Your policy includes the following benefits which are explained in detail in the policy document:

Cover	Limits of Cover	Excess
Personal Assistance Services	£250 (€350)	Nil
Medical Emergency & Repatriation	£5,000,000 (€7,000,000)	£35 (€40)
Emergency Dental Treatment	£200 (€350)	£35 (€40)
Additional Accommodation & Travelling Costs	£750 (€1,000)	Nil
Hospital Daily Benefit	£25 (€35) per complete day of inpatient treatment: up to £250 (€350)	Nil
Cancellation & Curtailment	£3,500 (€5,000)	£35 (€40)
Travel Delay	£20 (€25) for the first full 12 hour delay, then £10 (€14) for each subsequent full 12 hours: maximum £60 (€75)	Nil
Missed Departure on the Outward Journey	£350 (€500)	Nil
Personal Luggage:	£1,500 (€2,100)	£35 (€40)
Single article, or Pair or Set of articles	£350 (€500)	£35 (€40)
Valuables	£350 (€500)	£35 (€40)
Luggage Delay	In excess of 24 hours: £100 (€140)	Nil
Money & Passport	£750 (€1,050)	£35 (€40)
Cash	£300 (€425)	£35 (€40)
Personal Liability	£2,000,000 (€2,750,000)	Nil
Personal Accident:
Death	£25,000 (€36,000)	Nil
Loss of one or more Limbs, or total and irrecoverable Loss of Sight in one or both eyes	£25,000 (€36,000)	Nil
Permanent Total Disablement	£25,000 (€36,000)	Nil
Legal Protection	£25,000 (€36,000)	£35 (€40)
Optional Winter Sports Cover:
Skis, ski equipment	£500 (€700)	£35 (€40)
Ski pass	£250 (€350)	£35 (€40)
Ski equipment delay	£30 (€40) per day up to a maximum of £300 (€400)	Nil
Piste closure	£20 (€25) per day up to a maximum of £200 (€400)	Nil
Avalanche or landslide	£30 (€40) per day up to a maximum of £150 (€200)	Nil

Certain sections of your policy carry an excess (unless additional premium has been paid), that is the amount of any claim that you have to pay yourself

Significant or unusual exclusions and limitations

There are some situations which you are not covered for. These generally involve anything you already know about or that is caused by deliberate or careless acts on your part. Full details of these are given in the policy document.

The most significant exclusions of this policy are set out below. There may be other exclusions that are significant to you, so you need to check the policy document for full details.

• The policy contains restrictions regarding Preexisting Medical Conditions unless declared and accepted by the insurers in writing prior to travel will invalidate any subsequent claim. Some Preexisting Medical Conditions affecting Close Relatives will also not be covered. Please refer to the definition of a Pre-existing Medical Condition in the policy document.
• The policy excludes participating in, or practising for, certain sports and activities. Please refer to the Optional Winter Sports Cover, Optional Special Sports and Activities sections and points 15, 16, 17 and 18 the General Exclusions section.
• No cover is given under Sections 2, 3, 4, 5 and 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.

Duration of cover

This policy of insurance will run for the period shown on your booking confirmation

Your right to cancel

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

Making a claim under your policy

In the event of a medical emergency please phone 0870 737 5646 or +44 1444 442631.

To obtain a claim form, log onto the www.eaclaims.co.uk website or, alternatively, phone Travel Claims 0870 737 5651.

Return the completed claim form to the Claims Department, Europ Assistance, Sussex House, Perrymount Road, Haywards Heath, West Sussex, RH16 1DN.

Making a complaint

If you wish to register a complaint, please contact us:

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

We are covered by the Financial Ombudsman Service. If you have complained to us and we have been unable to resolve your complaint, you may be entitled to refer it to this independent body at South Quay Plaza, 183 Marsh Wall, London, E14 9SR. Telephone: 0845 080 1800.

Financial Services Compensation Scheme

Europ Assistance Holdings Limited is covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the FSCS, if Europ Assistance Holdings Limited is unable to meet its obligations. Insurance advising and arranging is covered for 100% of the first £2,000 and 90% of the remainder of the claim, without any upper limit. More information can be obtained from the www.fscs.org.uk website.

Europ Assistance Holding Irish Branch is regulated by l'Autorité de Contrôle des Assurances et des Mutuelles (ACAM), the French Regulator. No compensation scheme is available in the unlikely event that Europ Assistance Holding Irish Branch is unable to pay claims against it.

CONTINENTAL MOTOR BREAKDOWN

Policy Summary

This policy summary does not contain the full terms and conditions of the cover. Full terms and conditions can be found in the policy document.

Insurer

The insurer of this policy is Europ Assistance Insurance Limited. Benefits and services under this policy are provided by Europ Assistance Holdings Limited.

Type of insurance and cover provided

This is vehicle breakdown insurance providing roadside assistance in the United Kingdom and Continental Europe.

Eligibility requirements

To be eligible for this insurance, the following requirements must be met:

• each insured person for whom the appropriate premium has been paid must be habitually resident in the United Kingdom (i.e. have their main home in the United Kingdom and have not spent more than 6 months abroad in the year prior to purchasing the policy);
• the vehicle gross weight and dimensions must not exceed 3,500kg (or, subject to payment of the appropriate Minibus Additional premium, 4,600kg): length 7 m; height 3m; width 2.25m
• the vehicle must be less then 10 years old at the commencement of the Trip (or 10 years and over when the appropriate additional premium has been paid).

Significant features and benefits

Your policy includes the following benefits which are explained in detail in the policy document:

Cover	Limits of Cover	Excess
Cover Prior to Departure	£750 (€1,000)	Nil
Roadside Assistance	£250 (€350)	Nil
Replacement Parts	Cost of location and transport	Nil
Break-in Emergency Repairs	£175 (€225)	Nil
Vehicle Out of Use	£1,505 (€2,100)	Nil
Camping Trips	Hire costs / B&B - total £500 (€750)	Nil
Missed Motorail Connection	Storage Costs / Second class Rail Ticket / Hire car £450 (€650)	Nil
Alternative Driver	Repatriation or qualified alternative driver	Nil
Repatriation	Up to current market value of the vehicle in UK	Nil
Caravan Denial of Access	Emergency accommodation £400 (€500)	Nil
Motoring Legal Protection	£1,000 Defence costs £25,000 (€36,000) Pursuing claims	Nil
Customs Regulations (following vehicle write-off)	Supervision of disposal costs or Duty due to paid	Nil

Significant or unusual exclusions and limitations

There are some situations which you are not covered for. These generally involve anything you already know about or that is caused by deliberate or careless acts on your part. Full details of these are given in the policy document.

The most significant exclusions of this policy are set out below. There may be other exclusions that are significant to you, so you need to check the policy document for full details.

• Traveling outside of the geographical areas – see the definition of Geographical Limits in the Meaning of Words section;
• Exceeding the defined trips limits for the period of insurance purchased – see the definition of a Trip in the Meaning of Words section;
• Vehicles being used by You for Hire or Reward – see point 4 in the General Exclusions section;
• The cost of replacement parts or other materials – see Section 2;
• Any winching costs or the use of specialist off-highway-recovery equipment – see Section 2.

Duration of cover

This policy of insurance will run for the period shown on your booking confirmation.

Your right to cancel

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

Making a claim under your policy

In the event of an emergency please phone 0870 737 5652 or +44 1444 442 637

To obtain a claim form, log onto the www.eaclaims.co.uk website, phone 0870 737 5651

Return the completed claim form to the Claims Department, Europ Assistance, Sussex House, Perrymount Road, Haywards Heath, West Sussex, RH16 1DN.

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

We are covered by the Financial Ombudsman Service. If you have complained to us and we have been unable to resolve your complaint, you may be entitled to refer it to this independent body at South Quay Plaza, 183 Marsh Wall, London, E14 9SR. Telephone: 0845 080 1800.

Financial Services Compensation Scheme

Europ Assistance Insurance Limited and Europ Assistance Holdings Limited are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the FSCS, if Europ Assistance Insurance Limited and / or Europ Assistance Holdings Limited are unable to meet their obligations. General insurance and insurance advising and arranging are covered for 100% of the first £2,000 and 90% of the remainder of the claim, without any upper limit. More information can be obtained from the www.fscs.org.uk website.

about our insurance services

1 The Financial Services Authority

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

2 Whose products do we offer?

	We offer products from a range of insurers.
	We can only offer products from a limited number of insurers for accident, assistance, damage to property, general liability, legal expenses, miscellaneous financial loss and sickness. Ask us for a list of insurers we offer insurance from.
	We only offer products from a single insurer.

3 Which service will we provide you with?

	We will advise and make a recommendation for you after we have assessed your needs.
	You will not receive advice or a recommendation from us. 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.

4 What will you have to pay for our services?

	A fee.
	No fee.

You will receive a quotation which will tell you about any other fees relating to any particular insurance policy.

5 Who regulates us?

BAI (UK) Limited ( Brittany Ferries) is an appointed representative of Europ Assistance Holdings Limited, Sussex House, Perrymount Road, Haywards Heath, West Sussex RH16 1DN, which is authorised and regulated by the Financial Services Authority. Europ Assistance Holdings Limited’s FSA Register number is 311883.

Europ Assistance Holdings Limited’s permitted business is advising customers on non-investment contracts, making arrangements with a view to transactions in 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.

6 What to do if you have a complaint?

If you wish to register a complaint, please contact us:

…in writing	Customer Services Brittany Ferries Millbay Plymouth PL1 3EW
… by phone	Telephone 08709 010 500
… by email	Customer.Services@brittanyferries.com

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.

7 Are we covered by the Financial Services Compensation Scheme (FSCS)?

We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.

Insurance advising and arranging is covered for 100% of the first £2,000 and 90% of the remainder of the claim, without any upper limit.

Further information about compensation scheme arrangements is available from the FSCS.