Travel Insurance
Insurance Product Information Document
Company: AWP P&C SA, registered office: 7 Rue Dora Maar, 93400 Saint-Ouen, France. Registration no. 519490080 RCS,
authorised and regulated by L’Autorité de Contrôle Prudentiel et de Résolution in France. Authorised by the Prudential
Regulation Authority (PRA). Subject to regulation by the Financial Conduct Authority and limited regulation by the PRA.
Details about the extent of our regulation by the PRA are available from us on request.
Product: Annual multi-trip travel insurance policy
This document provides a basic summary of the cover provided by the policy. The full terms and conditions are shown in the
policy document, which you should read carefully to make sure you have the cover you need.
What is this type of insurance?
This is travel insurance. It covers you for various events while you are travelling, such as medical emergencies, delayed or missed departures,
cancelling your trip or cutting it short and delayed, damaged, lost or stolen possessions.
What is insured? What is not insured?
3 Cancelling or cutting short your trip: loss of 7 Claims where you cannot provide enough
pre-paid travel and accommodation expenses. supporting evidence.
3 Emergency medical expenses: hospital fees, 7 Taking part in activities where there is an increased
repatriation (returning you home), inpatient risk of injury, unless we have agreed otherwise.
benefit, funeral costs and dental costs if taken ill 7 More than the maximum benefit limits (and
or injured during your trip. sub-limits when these apply) shown in each section.
* Loss of passport: costs to get temporary 7 The policy excess that applies.
documents on your trip plus a refund of the value 7 Circumstances you knew about before taking out
of the period remaining on the lost passport. the policy or booking your trip (whichever is later)
3 Delayed personal possessions: costs to replace and which could reasonably have been expected to
essential items temporarily lost by the transport be the reason for a claim, unless we agreed to it in
provider on your outward trip. writing.
* Personal possessions: items lost, stolen or 7 Claims caused as a direct or indirect result of
damaged during your trip. something you are claiming for, such as loss of
* Personal money: money, traveller’s cheques earnings as a result of being delayed in returning
and travel tickets lost, stolen or damaged during home.
your trip. 7 Claims arising from an epidemic or pandemic,
except for the cover described under the Cancelling
3 Personal accident: compensation if you die, or cutting short your trip and Emergency medical
lose your sight, lose a limb or cannot work again
expenses sections and when chosen the winter-
following an accident during your trip.
sports section.
3 Missed departure: extra transport or
accommodation costs to continue your trip
if you miss your outward or return transport.
3 Delayed departure: a benefit after a major delay Are there any restrictions on cover?
to outward or return transport at the departure
point, or the costs to abandon your trip before ! Cover is only available to people who live in the
you leave your outward departure point. UK, the Channel Islands or the Isle of Man.
3 Personal liability: costs for injury or damage you ! We are unable to cover claims relating to existing
cause to a person or their property. medical conditions.
* Legal expenses: legal costs and representation ! Your policy contains a limit on the age of the
to claim compensation from a third party insured people and certain covers may be
responsible for your death, injury or illness. restricted according to age.
^ End supplier failure: cover if the booked airline ! There is a limit on the length of trip that can be
covered.
(or other travel provider) fails financially.
Optional cover
! The policy contains general conditions that you
have to meet for cover to apply.
Depending on the level of cover you have, you can
also get winter-sports cover and business cover. You ! General exclusions apply to the whole policy and
each section contains exclusions specific to that
will need to pay an extra premium for these.
section.
* T here are three levels of cover available -- bronze, silver and gold. Items ! Independent travel is allowed, however insured
marked with an asterisk above are not available with bronze cover. children must travel with at least one adult aged
^ End supplier failure is only available on gold cover. 18 or over and with the full knowledge and
consent of their insured parent/guardian.
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Where am I covered?
3 You can choose the area of cover that is most appropriate for your travel plans. Cover will not apply if you travel outside the
area that you have chosen. The area you have chosen will be shown in your insurance confirmation email.
You will not be covered if you do not follow any advice or recommendation made by any of the following: the Foreign,
Commonwealth and Development Office( FCDO) or the World Health Organization (WHO) or any government or other
official authority at any destination you are travelling from, through or to. For further details on FCDO travel advice, visit
gov.uk/foreign-travel-advice
What are my obligations?
• Answer any questions as truthfully and accurately as possible.
• Read your policy carefully to make sure you have the cover you need.
• Tell us as soon as possible if there are any changes to your circumstances that may affect your cover, or if it is likely you will
need to make a claim.
• You should take reasonable care to protect yourself and your property against accident, injury, loss and damage, and to keep
any claim to a minimum.
When and how do I pay?
You will need to pay your premium in full for cover to apply. All cover will end if you do not pay the premium in full or if the
policy is cancelled.
You can pay the premium using one of the payment options given to you by the person who sold you this insurance.
When does the cover start and end?
Your policy provides cover during the period shown on your insurance confirmation email.
How do I cancel the contract?
You have 14 days, from the date of receiving your policy documents, to make sure the insurance meets your needs.
If you want to cancel the contract during this 14-day period, you should write to Allianz Assistance, 102 George Street,
Croydon, CR9 6HD, phone 020 8603 9653, or email
[email protected].
We will refund your premium in full, as long as you have not travelled or made a claim, and you do not intend to make a claim.
You may still cancel the contract after this 14-day cancellation period but you will not get a refund.
Ref: 7363TVL 12/23 IPID
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