Travel Insurance Policy Summary

The purpose of this Policy Summary is to help you understand the insurance by setting out the significant features, benefits, limitations and exclusions. You still need to read the Policy Wording for a full description of the terms of the insurance, including the policy definitions. This Policy Summary does not form part of the Policy Wording.

Insurance Provider
This insurance is underwritten by Chartis Insurance UK Limited.

Purpose of the Insurance

The purpose of this travel insurance policy is to provide cover for losses arising as a result of specified events that occur before or during a trip, including: emergency medical expenses, theft or loss of baggage and cancellation. The cover provided is subject to certain limits and excesses, as set out in the Schedule of Benefits (see the final five pages of this Policy Summary).

Significant Features, Conditions and Exclusions

The cover provided is subject to certain conditions and exclusions. The table below sets out the significant features of the cover and the conditions and exclusions that apply. To ensure the policy is suitable for you, you are advised to read the Policy Wording which sets out all of the features, conditions and exclusions. Significant Features Emergency Medical Expenses The following limits and excesses apply per person, per incident: Budget cover: Up to 5,000,000 (200 excess) Standard cover: Up to 10,000,000 (75 excess) Premier cover: Up to 15,000,000 (60 excess) Premier Plus cover: Up to 20,000,000 (50 excess) Backpacker cover: Up to 5,000,000 (100 excess) Conditions and Exclusions The cover provided includes: emergency medical, surgical and hospital treatment and ambulance costs; additional accommodation and travel expenses if you cannot return to the United Kingdom as scheduled; and repatriation to the United Kingdom if it is medically necessary. Significant Conditions: If you need inpatient medical treatment, you must contact the Medical Emergency Assistance Company, Travel Guard, immediately on phone number +44 (0) 1273 400 610; and Additional accommodation and travel expenses and repatriation costs must be approved in advance by Travel Guard. Significant Exclusions: Cover is not provided if: - the claim relates to any heart condition, any circulatory condition, any respiratory condition or any cancerous condition which you knew about when you bought this insurance unless the condition has been declared to and accepted by us in writing; - the claim relates to you having a medical condition for which you are taking prescribed medication or you have seen a hospital specialist or needed inpatient treatment within the last 12 months unless the condition has been declared to and accepted by us in writing when you bought this insurance; - you are travelling against medical advice or with the intention of receiving medical treatment; Policy Wording Reference Pages 23 and 24, Section B1

Page 15, Medical and Other Emergencies

Pages 7 and 8, Health Conditions Page 20 and 21, General Exclusions, numbers 1 and 22

Significant Features

Conditions and Exclusions - you are receiving or waiting for hospital investigation or treatment for any undiagnosed condition or set of symptoms when you buy this insurance and/or at the time of commencing travel or you have been given a terminal prognosis; or - the claim relates to pregnancy or childbirth if you are more than 26 weeks pregnant at the start of or during your trip. If you are an Annual Multi-Trip policyholder and after you have paid your insurance premium you are diagnosed with a heart condition, a circulatory condition, a respiratory condition, cancer or if you receive in-patient medical treatment or if you are placed on a waiting list for investigation or medical treatment, you must contact us on 0845 604 3761. We have the right to alter the terms of cover in line with the change in risk.

Policy Wording Reference

Cancellation and Cutting Your Trip Short (By paying a reduced premium, cover under this section can be deleted) The following limits and excesses apply per person, per trip: Budget cover: Up to 2,000 (100 excess) Standard cover: Up to 3,000 (75 excess) Premier cover: Up to 4,000 (60 excess) Premier Plus cover: Up to 6,000 (50 excess) Backpacker cover: Up to 2,000 (100 excess)

Cover is provided for loss of travel and accommodation expenses you have paid or have agreed to pay under contract, and which you cannot get back, if it is necessary and unavoidable for you to cancel or cut short your trip for specified reasons, including: you dying, becoming seriously ill or being injured; and the death, injury or serious illness of a relative, business associate or a person with whom you have booked to travel, or a relative or friend with whom you plan to stay during your trip. Significant Conditions: If it is necessary for you to cut short your trip and return to the United Kingdom, you must contact Travel Guard immediately. Significant Exclusions: Cover is not provided if: - the reason for cancellation or curtailment relates to a medical condition or illness which you knew about when you purchased this insurance and which could reasonably be expected to lead to a claim unless declared to us and accepted for cover in writing.

Pages 22, 23, 26 and 27, Sections A and C

Page 15, Medical and Other Emergencies Pages 7 and 8, Health Conditions Page 20, General Exclusions, number 1

Significant Features Your Personal Belongings and Baggage (By paying a reduced premium, cover under this section can be deleted) The following limits and excesses apply per person, per incident (please see the Table of Benefits for the limit for any one item/set or pair of items and for valuables and electronic/other equipment): Budget cover: Up to 1,500 (100 excess) Standard cover: Up to 1,500 (75 excess) Premier cover: Up to 2,000 (60 excess) Premier Plus cover: Up to 3,000 (50 excess) Backpacker cover: Up to 1,500 (100 excess)

Conditions and Exclusions Cover is provided for loss, theft or damage to personal belongings and baggage owned by you (not borrowed or rented) during your trip. Significant Conditions: In the event of a claim an allowance may be made in respect of wear and tear and loss of value; and In the event of a claim you must provide receipts or other proof of ownership wherever possible for the items being claimed. Significant Exclusions: Cover is not provided if: - you do not report the loss or theft of belongings or baggage to the police within 24 hours of discovering it and do not obtain a written police report; - you leave your belongings or baggage unattended in a public place; - the loss, theft or damage occurs whilst your belongings or baggage are in the custody of the airline or transport company unless you report this to the carrier within 24 hours of discovering it and get a written report (a property irregularity report will be required if the loss, theft or damage takes place whilst in the care of an airline); or - the loss, theft or damage to valuables and electronic/other equipment occurs whilst not being carried in your hand luggage while you are travelling on public transport or on an aircraft.

Policy Wording Reference Pages 29, 30 and 31, Section F1 Page 17, General Definitions Pair or set of items Page 18, General Definitions Valuables and electronic/other equipment

Significant Features Your Personal Money (By paying a reduced premium, cover under this section can be deleted) The following limits and excesses apply per person, per incident (please see the Table of Benefits for cash limits for persons 17 years of age or under): Budget cover: Up to 200 (125 cash limit, 100 excess) Standard cover: Up to 500 (200 cash limit, 75 excess) Premier cover: Up to 500 (250 cash limit, 60 excess) Premier Plus cover: Up to 500 (350 cash limit, 50 excess) Backpacker cover: Up to 500 (150 cash limit, 100 excess)

Conditions and Exclusions Cover is provided for cash and travellers cheques lost or stolen during your trip. Significant Conditions: In the event of a claim, you must be able to provide evidence of ownership and value (for example, receipts, bank statements or cash-withdrawal slips). Significant Exclusions: Cover is not provided if: - you do not report the loss or theft of personal money to the police within 24 hours of discovering it and do not obtain a written police report; or - if, at the time of loss or theft, the personal money was not carried with you or held in a locked safety deposit facility.

Policy Wording Reference Pages 30 and 31, Section F3

Limitations Excluded Countries The geographical area which you are entitled to travel to is shown on your policy schedule. No cover is provided under this policy for any trip in, to or through Afghanistan, Cuba, Liberia or Sudan. No cover is provided for claims arising as a direct result of the situation highlighted by the Foreign and Commonwealth Office (FCO) where you have travelled to a specific country or to an area where, prior to your trip commencing, the FCO have advised against all (but essential) travel. To be eligible for cover all persons must be 74 years of age or under at the date of buying this insurance. For Backpacker policies, all persons must be 35 years of age or under at the date of buying this insurance. The person buying this insurance must be 18 years of age or over at the date of purchase. You and all other insured persons must have your main home in the UK, have a UK National Insurance number and be registered with a doctor in the UK at the time you buy or renew this policy. Residents of the Channel Islands and Isle of Man must have their main home in the Channel Islands or the Isle of Man respectively and be registered with a local doctor. You must contact the Travel Guard Customer Services Department by e-mailing [email protected] if you are planning to participate in a sport or activity which is not shown in the list of covered activities on pages 52 to 61 of the policy wording. Please note that if using a two-wheeled motor vehicle as a driver or passenger you must wear a crash helmet and the driver must hold a licence permitting him or her to drive the two-wheeled motor vehicle under the laws of the country in which you are travelling (if such a licence is required under the laws of that country). By paying an additional premium you are entitled to upgrade your policy to include Winter sports cover. Golf cover, Business cover, Wedding cover, Natural Catastrophe Cover or an Excess waiver. Please call the Travel Guard Customer Services Department on 0845 604 3761 for further details. This policy will be governed by English law and you and we agree to submit to the courts of England and Wales to determine any dispute arising under or in connection with it, unless you reside in Scotland, Northern Ireland or the Isle of Man, in which case the law applicable to that jurisdiction will apply and its courts will have exclusive jurisdiction, unless agreed to the contrary by us before the start date of your policy. The terms and conditions of this policy will only be available in English and all communication relating to this policy will be in English.

Policy Wording Reference Page 14, Geographical Areas and Pages 20 and 21, General Exclusions, numbers 4 and 13

Age Limits

Page 11, Age Limits

Residency

Page 9, Residency

Sports and Activities

Pages 9 and 52 to 61, Sports and Activities and Page 21, General Exclusions, number 10

Upgrades

Page 13, 'Upgrades' and Pages 39 to 50, Sections N to X

Law and Jurisdiction

Page 6, 'Law and Jurisdiction'

Period of Insurance
Cover for cancellation starts at the time you book the trip or pay the insurance premium, whichever is later. If you have arranged an Annual Multi-Trip policy, cover for cancellation starts at the time that you book the trip or the first day of the period of cover as shown on your policy schedule, whichever is later. For all types of policies cover for cancellation ends as soon as you start your trip. Cover under all other sections starts when you leave your home address in the United Kingdom (but not earlier than 24 hours before the booked departure time) or from the first day of the period of cover as shown on your policy schedule, whichever is the later. Cover ends when you return to your home address in the United Kingdom (but not later than 24 hours after your return to the United Kingdom) or at the end of the period of cover as shown on your policy schedule, whichever is earlier. If you have arranged a One-Way policy, cover ends 24 hours after you first leave immigration control in your final country of destination or at the end of the period of cover as shown on your policy schedule, whichever is earlier. Cover cannot start after you have left the United Kingdom. Unless you have bought a One-Way policy, each trip must begin and end in the United Kingdom. If you have purchased a Single Trip you are covered for one trip of up to 90 days if you are 64 years of age or under or up to 31 days if you are between 65 and 74 years of age. If you have purchased a Backpacker policy you are covered for one trip of up to a maximum of 12 months. The start and end dates of your trip are set out on your policy schedule. If you have purchased an Annual Multi-Trip policy, you are covered to travel as many times as you like within the period of cover provided no single trip lasts longer than the following durations if you are 64 years of age or under: Budget cover or Standard cover - 31 days Premier cover - 45 days Premier Plus cover - 62 days If you have purchased a Premier Annual Multi-Trip policy or a Premier Plus Annual Multi-Trip policy, cover is also provided for up to 17 days in total for winter sports within the period of cover. If you are between 65 and 74 years of age, the only Annual Multi-Trip policy available is Premier Plus which will provide cover to travel as many times as you like within the period of cover provided no single trip lasts longer than 31 days. Cover is only available for trips to Europe. Cover is only provided in the United Kingdom if you stay in accommodation which you have paid for in advance of the date you depart on your trip or if you have paid for public transport or air fares in advance of the date of departure to enable you to reach your destination in the United Kingdom. All trips within the United Kingdom must be for at least two nights away from where you usually live.

Cooling-Off Period and Your Right to Cancel Your Policy

If this cover is not suitable for you and you want to cancel your policy, you must contact Travel Guard within 14 days of buying your policy or the date you receive your policy documents. In line with the conditions below we will refund the premium you have paid within 30 days of the date you contact Travel Guard to ask to cancel the policy. If you are a Single Trip policyholder, we will not refund your premium if you have travelled or made a claim before you asked to cancel the policy within the 14-day period. If you are an Annual Multi-Trip or Backpacker policyholder and you have travelled or made a claim before you asked to cancel the policy within the 14-day period, we will only refund a proportionate amount of your premium. To obtain a refund, please write to Travel Guard Customer Services Department, PO Box 2157, Shoreham by Sea, West Sussex BN43 9DH, e-mail [email protected] or phone 0845 604 3761.

Claim Notification
You can make a claim for all sections apart from sections M1 and M2 by contacting: Travel Guard Claims Department, PO Box 60108, London SW20 8US Phone: 0845 603 9892 Fax: 01273 376 935 E-mail: [email protected]

You can make a claim under section M1 and M2 by contacting: IPP Claims Office, IPP House, 22-26 Station Road, West Wickham, Kent, BR4 0PR Phone: 020 8776 3752 E-mail: [email protected] Website: www.ipplondon.co.uk (a claim form may be downloaded from this site)

Your Right to Complain

Every effort is made to ensure you receive a high standard of service. If you are not satisfied with the service you have received, please contact: In relation to sales and administration matters: The Customer Services Manager, Travel Guard Sales Department, PO Box 2157, Shoreham by Sea, West Sussex BN43 9DH Phone: 0845 604 3761 E-mail: [email protected]

In relation to claims for all sections apart from sections M1 and M2: The Customer Care Manager, Travel Guard Claims Department, PO Box 2157, Shoreham by Sea, West Sussex BN43 9DH Phone: 0845 603 9892 E-mail: [email protected]

In relation to claims under section M1 and M2: The Claims Manager, IPP Claims Office, IPP House 22-26 Station Road, West Wickham, Kent BR4 0PR Phone: 020 8776 3752 E-mail: [email protected]

To help us to deal with your comments quickly, please quote your policy schedule/claim number and the policyholder/insured persons name. If you are still not satisfied with the outcome of your complaint, you may be entitled to refer the matter to the Financial Ombudsman Service. This will not affect your right to take legal action against us. The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London, E14 9SR Phone: 0845 080 1800 E-mail: [email protected]

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

Chartis Insurance UK Limited is covered by the FSCS. If we are unable to meet our financial obligations you may be entitled to compensation from the scheme, depending on the type of insurance and the circumstances of the claim. For this type of insurance, 90% of your claim is covered, without any upper limit. Further information about compensation scheme arrangements is available at www.fscs.org.uk and on 0207 892 7300 or 0800 678 1100.

Tables of benefits
* Excess When claiming under certain sections listed in the following tables, you have to pay the first part of a claim. The excess will apply to each person claiming, and to each incident and to each section of the policy under which a claim is made. ** Cover under section A, section F1 and/or section F3 can be deleted by paying a reduced premium.

Table of benefits for Single Trip and Annual Multi-Trip cover

Section Benefits

A
B1

Cancelling your trip** Medical and other expenses outside of the United Kingdom Emergency dental treatment Expenses within the United Kingdom Hospital benefit

Budget cover Standard cover Premier cover Premier Plus cover Sum insured Excess* Sum insured Excess* Sum insured Excess* Sum insured Excess* up to: up to: up to: up to: 2,000 100 3,000 75 4,000 60 6,000 50 5,000,000 Nil 5,000 Nil 200 Nil 100 Nil 10,000,000 200 10,000 15 for each 24 hours up to 1,000 Nil 3,000 600 600 20 for each full 12 hour delay up to 100 3,000 1,500 200 200 75 75 75 Nil 15,000,000 200 15,000 20 for each 24 hours up to 1,000 1,000 4,000 600 600 20 for each full 12 hour delay up to 200 4,000 2,000 250 300 60 60 60 Nil 20,000,000 500 20,000 25 for each 24 hours up to 2,000 1,000 6,000 1,000 1,000 35 for each full 12 hour delay up to 350 6,000 3,000 300 500 50 50 50 Nil

B2 B3

B4 C D1 D2 E1

Mugging benefit Cutting your trip short Missed departure Missed connection Travel delay

Nil 2,000 Nil Nil Nil

Nil 100 Nil Nil Nil

Nil 75 Nil Nil Nil

Nil 60 Nil Nil Nil

Nil 50 Nil Nil Nil

E2 F1

Abandoning your trip Personal belongings and baggage** Including: Single article limit Including: Valuables and electronic/other equipment limit Delayed baggage

Nil 1,500 125 125

Nil 100

75 75

60 60

50 50

F2

Nil

Nil

100 after 12 hours

Nil

150 for every 12 hour period (after the first 12 hours of delay) up to 300

Nil

150 for every 12 hour period (after the first 12 hours of delay) up to 450

Nil

Table of benefits for Single Trip and Annual Multi-Trip cover (continued)
Section Benefits Budget cover Standard cover Premier cover Premier Plus cover Sum insured Excess* Sum insured Excess* Sum insured Excess* Sum insured Excess* up to: up to: up to: up to: 200 125 75 150 Nil Nil Nil Nil 2,000,000 Nil Nil Nil Nil Nil 100 500 200 100 250 5,000 1,000 15,000 15,000 2,000,000 50,000 Nil Nil 25 per day up to 250 1,500 75 500 250 125 300 10,000 2,500 30,000 30,000 2,000,000 50,000 100 per day up to 1,000 200 25 per day up to 250 1,500 60 500 350 175 500 30,000 3,000 75,000 75,000 2,000,000 50,000 100 per day up to 1,000 1,000 25 per day up to 250 1,500 50 F3 Personal money** Including: Cash limit Including: Cash limit if 17 years of age or under Passport and travel documents Personal accident: Death benefit if between 18 and 64 years of age inclusive Death benefit if 17 years of age or under or if 65 years of age or over Loss of limb or sight Permanent total disablement Personal liability Legal expenses Hijack Uninhabitable accommodation Pet care Scheduled airline failure

F4 G

Nil Nil Nil Nil Nil 250 Nil Nil Nil Nil Nil

Nil Nil Nil Nil Nil 100 Nil Nil Nil Nil Nil

Nil Nil Nil Nil Nil 100 Nil Nil Nil Nil Nil

Nil Nil Nil Nil Nil 100 Nil Nil Nil Nil Nil

H I J K L M1

Table of benefits for Winter sports cover

Winter sports cover is only available if you pay the required extra premium unless you have purchased a Premier or Premier Plus Annual Multi-Trip policy, in which case, cover is automatically included for up to 17 days within the period of cover.
Section Benefits Budget cover Standard cover Premier cover Premier Plus cover Sum insured Excess* Sum insured Excess* Sum insured Excess* Sum insured Excess* up to: up to: up to: up to: 300 150 150 15 per day up to 150 200 20 per day up to 200 15 per day up to 150 15 per day up to 150 Nil Nil 100 Nil Nil Nil Nil 100 400 150 200 20 per day up to 200 500 20 per day up to 400 20 per day up to 300 25 per day up to 250 350 Nil 75 Nil Nil Nil Nil 75 1,000 N/A 400 20 per day up to 400 500 20 per day up to 400 20 per day up to 300 25 per day up to 250 350 Nil 60 Nil Nil Nil Nil 60 1,000 N/A 500 25 per day up to 500 500 25 per day up to 500 25 per day up to 500 50 per day up to 500 350 Nil 50 Nil Nil Nil Nil 50

N1

Winter sports equipment you own Including: Single article limit Hired winter sports equipment Winter sports equipment hire Lift pass Ski pack Piste closure Avalanche closure Physiotherapy in the United Kingdom

N2 N3 O P Q R

Table of benefits for Golf cover

Golf cover is only available if you pay the required extra premium.
Section Benefits Budget cover Standard cover Premier cover Premier Plus cover Sum insured Excess* Sum insured Excess* Sum insured Excess* Sum insured Excess* up to: up to: up to: up to: 2,000 500 50 per day up to 350 50 per day up to 350 100 Nil Nil 2,000 500 50 per day up to 350 50 per day up to 350 75 Nil Nil 2,000 500 50 per day up to 350 50 per day up to 350 60 Nil Nil 2,000 500 50 per day up to 350 50 per day up to 350 50 Nil Nil

S1 S2 T

Golf equipment Including: Single article limit Golf equipment hire Green fees

Table of benefits for Business cover

Business cover is only available if you pay the required extra premium.
Section Benefits Budget cover Standard cover Premier cover Premier Plus cover Sum insured Excess* Sum insured Excess* Sum insured Excess* Sum insured Excess* up to: up to: up to: up to: 1,000 500 1,000 500 500 300 1,500 100 100 100 Nil 1,000 500 1,000 500 500 300 1,500 75 75 75 Nil 1,000 500 1,000 500 500 300 1,500 60 60 60 Nil 1,000 500 1,000 500 500 300 1,500 50 50 50 Nil

U1

Business equipment Including: Single article limit Business samples Including: Single article limit Business money Including: Cash limit Replacing staff

U2 V

Table of benefits for Wedding cover

Wedding cover is only available if you pay the required extra premium.
Section Benefits Budget cover Standard cover Premier cover Premier Plus cover Sum insured Excess* Sum insured Excess* Sum insured Excess* Sum insured Excess* up to: up to: up to: up to: W1 W2 Ceremonial attire Wedding gifts Including: Single article limit W3 W4 Wedding rings Including: Single article limit Photographs and video recording 1,500 per person 1,000 per couple 500 500 250 750 100 100 1,500 per person 1,000 per couple 500 500 250 750 75 75 1,500 per person 1,000 per couple 500 500 250 750 60 60 1,500 per person 1,000 per couple 500 500 250 750 50 50

100 Nil

75 Nil

60 Nil

50 Nil

Table of benefits for Natural catastrophe cover

Natural catastrophe cover is only available if you pay the required extra premium. The following cover is provided for each insured person in the event your outward or return journey is disrupted for more than 24 hours due to a natural catastrophe. The sums insured in the table below will be reduced by 75% in certain circumstances please see page 48 of the Policy Wording for full details. No excess will apply to claims made under sections X1 to X8.
Section Benefits Budget cover Sum insured up to: 6,000 100 for each 24 hours 200 Standard cover Sum insured up to: 6,000 100 for each 24 hours 200 Premier cover Sum insured up to: 6,000 100 for each 24 hours 200 Premier Plus cover Backpacker cover Sum insured Sum insured up to: up to: 6,000 100 for each 24 hours 200 6,000 100 for each 24 hours 200

X1 X2 X3 X4 X5 X6 X7 X8

Cancellation Stranded at the United Kingdom departure point To reach your intended destination Stranded on an international connection

Cover for the following additional costs:

150 for each 24 150 for each 24 150 for each 24 150 for each 24 150 for each 24 hours up to 750 hours up to 750 hours up to 750 hours up to 750 hours up to 750

Stranded on your return journey 150 for each 24 150 for each 24 150 for each 24 150 for each 24 150 for each 24 home hours up to 750 hours up to 750 hours up to 750 hours up to 750 hours up to 750 Travel expenses to get home Car parking Kennel or cattery fees 2,000 2,000 2,000 2,000 2,000 50 for each 24 50 for each 24 50 for each 24 50 for each 24 50 for each 24 hours up to 250 hours up to 250 hours up to 250 hours up to 250 hours up to 250 50 for each 24 50 for each 24 50 for each 24 50 for each 24 50 for each 24 hours up to 250 hours up to 250 hours up to 250 hours up to 250 hours up to 250

Table of benefits for Backpacker cover

Section Benefits A B1 B2 B3 B4 C D1 D2 E1 E2 F1 Cancelling your trip** Medical and other expenses outside of the United Kingdom Emergency dental treatment Expenses within the United Kingdom Hospital benefit Mugging benefit Cutting your trip short Missed departure Missed connection Travel delay Abandoning your trip Personal belongings and baggage** Including: Single article limit Including: Valuables and electronic/other equipment limit Delayed baggage Personal money** Including: Cash limit Including: Cash limit if 17 years of age or under Passport and travel documents Personal accident: Death benefit Death benefit (if 17 years of age or under) Loss of limb or sight Permanent total disablement Personal liability Legal expenses Hijack Uninhabitable accommodation Pet care End supplier failure Sum insured up to: 2,000 5,000,000 200 Nil 10 for each 24 hours up to 500 500 2,000 500 500 10 for each full 12 hour delay up to 100 2,000 1,500 200 200 100 after the first 12 hours 500 150 75 250 5,000 1,000 15,000 15,000 2,000,000 25,000 100 per day up to 500 500 Nil 1,500 Excess*: 100 100 100 Nil Nil Nil 100 Nil Nil Nil 100 100

F2 F3

Nil 100

F4 G

Nil Nil Nil Nil Nil 100 Nil Nil Nil Nil Nil

H I J K L M2

This insurance is underwritten by Chartis Insurance UK Limited which is authorised and regulated by the Financial Services Authority (FSA number 202628). This information can be checked by visiting the FSA website (www.fsa.gov.uk/register).