Travel Insurance
Insurance Product Information Document
This policy is underwritten by Inter Partner Assistance S.A. Inter Partner Assistance S.A is authorised and
Inter Partner Assistance S.A. is part of the AXA Group
Company: Inter Partner Assistance S.A. Product: Leisure Guard Premier Cover
The information provided in this document is a summary of the key features and exclusions of the policy and does not form part of
the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents.
What is this type of insurance?
Travel Insurance will provide protection against losses typically suffered whilst on holiday. A Single Trip travel insurance policy will provide
cover for one trip. An Annual Multi-trip policy will provide cover for multiple holidays taken within a year period. Each holiday individually
must not last longer than the trip limit you have chosen.
What is insured? What is not insured?
Who is covered Any claims arising from a sport or other activity
Each person travelling on a trip who is named on which is not shown in the list of covered activities
unless you have declared it to us and we have
agreed to cover it.
Cutting short a trip
We will pay up to £5,000 per person for your unused Your inability to travel due to your failure to hold,
and irrecoverable costs if you have to cancel or cut obtain or produce a valid passport or any required
short your holiday as a result of one of a number of visa in time for the booked trip.
covered scenarios.
You drinking too much alcohol or alcohol abuse
Medical emergency and repatriation expenses where it is reasonably foreseeable that such
Should you become unwell whilst on a trip, we consumption could result in an impairment of your
will pay up to £10,000,000 per person for your
hospital and ambulance costs, limited to £250 for
Any amount recoverable from any other source
emergency dental treatment
such as your airline, accommodation provider,
Baggage ATOL bond or debit/credit card provider.
We will cover you up £2,000 per person if your
Under all sections, any claim arising from a reason
personal belongings are lost or stolen.
not listed in the ‘what is covered’ section.
The following limits also apply:
- Up to £250 for any one article
- Up to £250 for the total of all valuables
Personal Money
If your personal money is lost, damaged or stolen
the following limits apply:
- Up to £350 for cash
- Up to £75 for cash if under the age of 18 Are there any restrictions on cover?
- Up to £200 for all other personal money, ! You cannot claim more than the sum insured
this includes additional accommodation and shown in your policy documents.
transport to obtain a replacement passport if
yours is lost, stolen or damaged. ! You are only covered for trips which last up to or
less than your maximum trip duration.
Missed departure
We will pay up to £1,000 for your additional ! This cover is only available to UK residents who
transport and accommodation costs if you miss are registered with a GP in the UK.
your public transport as a result of one of a number ! You can only purchase this insurance before you
of covered scenarios. travel.
Optional covers
• Winter Sports
• Cruise Cover
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Where am I covered?
This product provides cover to travel anywhere within your selected area of travel as listed on your policy schedule.
What are my obligations?
• When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on
the policy.
• You must take reasonable steps to prevent loss, theft or damage to your property.
• You must not travel against the advice of a medical practitioner or your public transport provider.
• You must not travel with the intention of receiving medical treatment.
• If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss.
• We recommend that you check that you do not have any other insurance policies that may cover the same events and
• If you need to make a change to your policy during the year you will need to pay a £10 administration fee as well as any
additional premium.
When and how do I pay?
You can pay your premium as a one-off payment when you purchase this insurance.
When does the cover start and end?
For Single Trip policies - Cover in case you need to cancel your trip starts from the day you purchase a Policy. The remaining
cover starts when you start your trip and ends when you return to your home.
For Annual Multi-trip policies - Cover will start on the day you select when you purchase the Policy and will end one year later.
There will be no cover for any claims arising from events that happen before the start date of your Policy.
How do I cancel the contract?
Depending on when you cancel your policy, the following premium refunds will be made:
•
claim.
Where cancellation of your policy is due to your inability to travel:
•
travelled, made a claim or intend to make a claim.
•
not made a claim or intend to make a claim.
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Gadget Insurance
Insurance Product Information Document
Company: Product: Optional TIGA Gadget
- Add-on Insurance Policy
This document is a summary of the policy and does not contain the full terms and conditions of the cover which can be found in the policy document. It
is important that you read the policy document along with your schedule carefully.
What is this type of insurance?
This product is designed to protect multiple types of portable electronic devices if they are lost, accidentally or maliciously damaged or stolen.
The portable electronic devices (gadgets) include: mobile phones, smart phones, laptops (including custom built), tablets, digital cameras, games
consoles, video cameras, camera lenses, Bluetooth headsets, Bluetooth speakers, satellite navigation devices, e-readers, head/ear phones, smart
What is insured? What is not insured?
Accidental Damage - If your gadget is damaged The excess which is payable for any claim. The amount is
accidentally we will repair your gadget. Where your
gadget is beyond economical repair we will replace Any loss, theft or accidental damage if the gadget is left
your gadget with a refurbished device of the same
deliberately leave your gadget where you can’t see it.
Loss - If you have accidentally left your gadget
somewhere and you no longer have it we will replace Any theft of loss where the manufacturer security, such
your gadget with a refurbished device of the same as Apples Find My, is not switched on at the time of the
incident and throughout the claims process.
Any theft or loss unless it is reported to the appropriate
Malicious Damage - If your gadget is maliciously local police authorities within 24 hours of discovering it
damaged by someone else we will repair your gadget is gone and you have a Police Crime Reference number.
Where your gadget is beyond economical repair we will Any claim that happens while you are not on a trip.
replace your gadget with a refurbished device of the
Any claim where proof of usage cannot be given if you
are claiming for a device which has a SIM.
Theft - If your gadget is stolen we will replace Any claim involving theft or loss unless reported to
your gadget with a refurbished device of the same your network provider (if applicable) within 24 hours of
discovering it has gone and getting a blacklist placed on
the IMEI of the gadget.
Theft of the gadget from an unoccupied premises or
vehicle, unless there is evidence of violent or forcible
entry.
Any claim for loss of data or accessories.
Any claim for cosmetic damage.
Any claim where you leave your gadget somewhere
unattended for example - where your gadget is left in a
coach or bus while you are sightseeing or at the side of
a pool.
Are there any restrictions on cover?
! Cover is only available to residents of the UK, Channel
Islands or Isle of Man.
! The most we will pay for any one claim will be the
replacement value of your gadget and it will not
exceed the maximum liability shown in the policy
documentation.
! Replacement gadgets are issued with 12 months
warranty, repairs with 3 months warranty.
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Where am I covered?
Cover will apply whilst you travel in the area that you have chosen for your travel insurance. The area you have chosen will be shown
or all but essential travel. For further details, visit gov.uk/foreign-travel-advice.
What are my obligations?
• You must take reasonable care to protect your gadgets against accident, theft or loss.
• You must give us accurate and complete answers to all questions we may ask you.
In the event of a claim you will need to provide the following:
Proof of purchase.
Proof that your gadget has been in use before the event giving rise to the claim.
Photographic ID.
Proof of Address.
A Police report in the event of theft, loss or malicious damage by a third party.
Proof of travel.
Travel insurance documents.
When and how do I pay?
The premium can be paid using one of the payment options given to you by the provider of this insurance.
When does the cover start and end?
How do I cancel the contract?
This policy cannot be cancelled on its own but only along with the main travel insurance you bought it with. If you wish to cancel, please
see the cancellation section within your main travel insurance policy.
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