Travel Insurance

Insurance Product Information Document

Company: Millstream Underwriting Limited on behalf of AWP P&C SA. Millstream Underwriting Limited are authorised and regulated by the Financial Conduct Authority
(FCA). Millstream Underwriting Limited, Registered in England No. 3896220, Registered Office: 52-56 Leadenhall Street, London, EC3A 2EB. AWP P&C SA, registered office: 7
Rue Dora Maar, 93400 Saint-Ouen, France. Registration no: 519490080 RCS, authorised by L’Autorité de Contrôle Prudentiel et de Résolution in France and subject to limited
regulation by the Financial Conduct Authority (FCA) and the Prudential Regulation Authority. Details of the Temporary Permissions Regime, which allows EEA-based firms to
operate in the UK for a limited period while seeking full authorisation, are available on the FCA website.

Product: Love Holidays – Premier Insurance Policy

This document only provides a basic summary of policy cover. The full terms and conditions of the contract are shown on the
policy document, which you should read carefully to ensure you have the cover you need.
What is this type of Insurance?
This is travel insurance which offers a choice of cover levels, on a single trip or annual multi-trip basis, to cover you while travelling, for
various events such as: medical emergencies; delayed or missed departures; cancelling or cutting short your journey; delayed possessions
and lost or stolen possessions.

What is insured?
Cancelling / cutting short your journey - Loss of Claims where you cannot provide sufficient
pre-paid travel and accommodation expenses. supporting evidence.
Emergency medical expenses - hospital fees, Taking part in activities where there is an increased
repatriation, in-patient benefit, funeral and dental risk of injury, unless we have agreed otherwise and
costs incurred if taken ill or injured on your journey. any appropriate premium has been paid.
Loss of passport - costs to obtain temporary
documents on your journey plus reimbursement
of the remaining value of lost passport.
Delayed personal possessions - costs to replace Claim circumstances you were aware of before
essential items temporarily lost by the transport your policy was issued or journey was booked
provider on your outward journey. (whichever is the later) and which could reasonably
Personal possessions - Items lost, stolen or have been expected to be the reason for a claim,
damaged on your journey. unless we agreed to it in writing.
Personal money - Money, traveller’s cheques and Claims that are caused as a direct or indirect result
travel tickets lost, stolen or damaged on your journey. of something you are claiming for such as loss of
Personal accident - Compensation if you die, lose earnings as a result of being delayed in returning.
your sight or limb or are unable to ever work again Claims arising from an epidemic or pandemic,
following an accident on your journey. except for the cover described under the Emergency
medical expenses, Cancelation or Curtailment
Missed departure - Extra transport or
Sections .
accommodation costs to continue your journey, if
you miss your outbound or return transport.
Delayed departure - A benefit after a major
delay to outbound or return transport at the
departure point. Alternatively the costs to
abandon your journey on the outbound leg only.
Personal liability - Costs for damage you cause to
a third party or their property (including your Cover is only available to residents of the UK,
journey accommodation if not owned by you, a Channel Islands or Isle of Man.
family member or friend).
Legal expenses - Legal costs and representation, to
pursue a compensation claim against a negligent
third party responsible for your death, injury or illness.
Hijack - A benefit if you are hijacked during your
journey.

There are General Conditions that you have to

meet for cover to apply.

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You can select 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 on your insurance confirmation.
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

Answer any pre-sale questions as truthfully and accurately as possible.

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 will need to pay your policy premium in full in order for cover to apply. All cover will end if payment is incomplete or
rejected, or if the policy is cancelled.

You have 14 days from the date of receiving your policy documents, to ensure that they meet your requirements.
If you wish to cancel the contract during this period, you should contact your sales agent at Love Holidays.
Your premium will be refunded in full, although if you have travelled, made a claim or intend to make a claim, we will recover
the costs for providing these services.

Ref: Love Holidays - IPID

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