Association of British Insurers General Business Code of Practice
IMPORTANT NOTICE
Under the Association of British Insurers General Business Code of Practice we have to bring to your attention some of the important features of your travel insurance policy.
INSURANCE POLICY
This contains full details of the cover provided plus the conditions and exclusions which apply to it. You must read the insurance policy carefully.
CONDITIONS AND EXCLUSIONS
These are conditions and exclusions which apply to individual sections and general conditions, exclusions and warranties which apply to the whole policy.
HEALTH
If you or any other person on whom the travel plans depend have ever had treatment for any heart or circulatory condition, a stroke or high blood pressure, and breathing condition (including asthma), any type of cancer, any type of diabetes, any psychological condition, any existing injury or other serious or re-occurring medical condition requiring long term prescribed medication or if you are receiving or awaiting investigation for any medical condition you must advise our Medical Referral Helpline as per the policy terms to see if additional cover is available. Insurers reserve the right to impose terms. You will receive confirmation in writing of their decision. The helpline number to call is 0845 1300198
PROPERTY CLAIMS
These are settled on an indemnity basis - not on a "new for old" or replacement cost basis.
POLICY LIMITS
Most sections of the policy have limits on the amount the insurer will pay under that section. Some sections also include inner limits e.g. for any one item, or for valuables in total.
POLICY EXCESS
Claims under most sections of the policy will be subject to an excess. Where there is an excess, you will be responsible for paying the first part of the claim.
TELLING US ABOUT RELEVANT FACTS
You must tell Insurers or ourselves before you travel about anything which may affect your cover. This information must be complete and adequate. If you are not sure whether something is relevant you should tell us anyway. You should keep a record of any information you give us. If you do not tell Insurers about something that may be relevant, your cover may be refused and Insurers may not cover any related claims. If unsure please call 0845 1300198 for advice.
COMPLAINTS
The Insurance policy includes a Complaints Procedure which tells you what steps you can take if you wish to make a complaint.
HAZARDOUS HOLIDAY ACTIVITIES
The policy may not cover you when you take part in certain hazardous activities e.g. paragliding. The contract will be subject to English Law unless otherwise agreed.
PLEASE ENSURE YOU READ YOUR INSURANCE POLICY CAREFULLY
Issued by Fogg Travel Insurance Services Limited - Independent Intermediaries.