TRAVEL INSURANCE
Sporting Pathways Ltd are happy to recommend to you the
following insurance that has been arranged for us by Global
Travel Insurance Services Ltd and which is underwritten by AXA
Insurance UK plc. Both companies are Authorised and Regulated
by the Financial Services Authority (FSA).
This insurance has been specifically designed so that it covers all
of the holidays that we feature, protecting you in full if you have to
cancel and providing you with the very best and most effective
protection if you are unfortunate enough to require medical
attention whilst away from home.
Don’t take unnecessary risks by insuring your holiday anywhere
else as we cannot accept any responsibility or provide assistance
if problems arise as a result of inadequate cover. We are
confident that this policy is best for you.
A full policy wording will be sent to you with your confirmation of
booking. Full details are also available upon request.
This insurance will automatically be included for you. If you
do not wish to be included in this insurance, your must state
this on the booking form and must provide us with details of
your alternative insurance at the time of booking.
This insurance is only available to persons who are permanently
resident and domiciled in the UK and is valid for holiday between
01/01/2010 and 31/12/2012.
INSURANCE PRODUCT SUITABLITY
This insurance is suitable for persons whose Demands and
Needs are those of a traveller whose -
1 Individual round trip starts and finishes in the UK and is of no
more than 4 months duration.
2 Age is 90 years or less and is a permanent resident of the
United Kingdom.
As this description contains the Key Features of the cover
provided it constitutes provision of a statement of demands and
needs.
If you would like more information or are unsure of any details
contained herein, you should ask Global Travel Insurance
Services Ltd for further advice.
SUMMARY OF COVER
Main policy limits only, please see the policy document for other
limits that may apply
Section Limit
Cancellation & Curtailment £3,000
Personal Accident £15,000
Medical & Other Expenses £3,000,000
Hospital Benefit £300
Personal Luggage Money
& Valuables £2,000
Loss of Passport £200
Travel Delay
(a) £60
(b) £3,000
Missed Departure £500
Personal Liability £2,000,000
Legal Expenses £25,000
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POLICY EXCESSES:
An excess of £50 applies to each and every claim each insured
person under the Cancellation & Curtailment, Medical & Other
Expenses and Personal Luggage Money & Valuables sections.
Increased Excess
For person’s aged 65 or over the Cancellation & Curtailment and
the Medical & Other Expenses excess is doubled.
Increased Excess for Pre Existing Medical Conditions
There is no need to advise us of your pre existing health
conditions. Provision for the acceptance of all pre existing health
conditions
Has been made by the application of increased
excesses in the event of claims arising.
For claims arising from the treatment of any pre existing illness
the excess is further increased as follows –
Under the Cancellation & Curtailment section - double the
normal excess.
Under the Medical & Other Expenses section
For persons aged under 65 years the excess is increased to £250.
For persons aged 65 to 90 years the excess is increased to £500.
EMERGENCY ASSISTANCE:
There is a 24-hour emergency assistance service included in the
policy so that any insured person may seek assistance in medical
emergencies whilst on holiday. Full details are contained in the
policy document.
MAIN HEALTH EXCLUSIONS:
We will not pay for claims arising Where You or any person upon
whose health the trip depends
1. are undergoing tests for the presence of a medical condition
receiving or on a waiting list for or have knowledge of the need for
treatment at a hospital or nursing Home.
2. have received a terminal prognosis.
3. suffer from any psychiatric disorder, anxiety state and/or
depression suffered by You for which You have previously
received treatment or have been diagnosed prior to the date of
booking or of issue of the insurance.
4. are expected to give birth before or within 14 weeks of date of
return to the UK.
5. are travelling against the advice of a Medical Practitioner or
for the purpose of obtaining medical treatment abroad.
6. suffer from a medical condition diagnosed or for which
hospital treatment was received within 12 months prior to the date
of booking.
INSURANCE PRODUCT DISCLOSURE
Cancellation Rights
The Insurer provides a Money Back Guarantee enabling you to
cancel the insurance within 14 days of issue should the policy not
meet your requirements. No refund of premium is provided for
cancellations after this time.
Claims
Claims are handled by Towergate Chase Parkinson who act on
behalf of the Insurers and not the customer in relation to any
claim. The telephone number is 0870 906 3144.
General Queries
If you have any query regarding the cover provided you may
contact Global Travel Insurance on 01903 203933 for advice.
Applicable Law
The law applicable to this insurance contract is Scottish Law.
PREMIUMS
Premium rates can be found through’ tgic’ link on our web site.
www.sportingpathways.net
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