Key Facts Summary of Cover - Preferential Classic & Deluxe
Please find detailed here the Key Facts / Summary of Cover for our Classic and Deluxe Policy and downloadable PDF.
N.B For Key Facts / Summary of Cover documentation previous to 1st January 2009, please see bottom of page.
SUMMARY OF COVER (PER INSURED PERSON) PER TRIP
| Section of Cover | Deluxe up to Limit of (£) per Insured Person |
Classic up to Limit of (£) per Insured Person |
Excess (both) |
|
| 1 | Cancellation |
£5,000 | £1,000 | £75 (£35 Loss Deposit) |
| 2 | Curtailment | £5,000 | £1,000 | £75 |
| 3 | Travel Delay | £20 for first 12hrs £10 per 12 hours thereafter up to £100 |
Nil | |
| Abandonment | £5,000 after 12hours | Nil | £75 (abandonment only) | |
| 4 | Missed Departure | £1,000 Worldwide £500 Europe |
Nil | NIL |
| 5 | Personal Accident |
|||
| Permanent Total Disablement | £25,000 (Nil if under 16) | £5,000 (Nil if under 16) | NIL | |
| Loss of limb(s)/eye(s) | £25,000 | £5,000 | NIL | |
| Death Benefit | £25,000 | £5,000 | NIL | |
| Death Benefit if under 16 | £1,000 (£25,000 benefits increased to £50,000 whilst in flight only) |
£1,000 | NIL | |
| 6 | Medical Emergency Expenses | £10,000,000 | £2,000,000 | £75 |
| 7 | Hospital Benefit | £10 per 24 hour period Up to £500 |
Nil | NIL |
| 8 | PERSONAL PROPERTY - (upon payment of the appropriate premium) | |||
| Personal Baggage |
£1,500 | £1,000 | £75 | |
| Single Article Limit |
£250 | £150 | ||
| Valuables Limit |
£250 | £150 | ||
| Loss of passport or driving licence expenses |
£150 | £150 | NIL | |
| Delayed Baggage |
£200 | £150 | NIL | |
| Personal Money | £500 (£300 cash, £50 cash if under 18) |
£200 (£100 cash, £50 cash if under 18) |
£75 | |
| ENHANCED PERSONAL PROPERTY - (upon payment of the appropriate premium) | ||||
| Personal Baggage | £3000 | Nil | £75 | |
| Single Article Limit | £500 | Nil | ||
| Valuables Limit | £500 | Nil | ||
| Loss of passport or driving licence expenses |
£200 | Nil | NIL | |
| Delayed Baggage | £300 | Nil | NIL | |
| Personal Money | £2,000 (£500 cash, £50 cash if under 18) |
Nil | £75 | |
| 9 | Photographic Equipment (enhanced)-(upon payment of the appropriate premium) | £1,000 | Nil | £75 |
| Single Article Limit | £500 | Nil | £75 | |
| 10 | Golf Equipment (enhanced) - (upon payment of the appropriate premium) | £2,000 | Nil | £75 |
| Single Article Limit | £400 | Nil | £75 | |
| 11 | Personal Liability | £2,000,000 | £2,000,000 | NIL |
| 12 | Hijack | £50 per 24 hours Up to £2,000 |
Nil | NIL |
| 13 | Mugging | £100 per 24 hours Up to £2,000 |
Nil | NIL |
| 14 | Legal Expenses | £25,000 | £5,000 | |
| 15 | Business Travel Extension(upon payment of the appropriate premium) | |||
| (a) Staff Replacement | £3,000 | Nil | £75 | |
| (b) (i) Business Equipment | £1,000 | Nil | £75 | |
| (b) (ii) Laptop computers | £1,500 | Nil | ||
| 16 | WINTER SPORTS (Upon payment of the appropriate premium) | |||
| Winter Sports Equipment | £500 | Nil | £75 | |
| Single Article Limit | £350 | Nil | £75 | |
| Hired Equipment | £150 | Nil | £75 | |
| Ski Hire | £10 per day up to £200 | Nil | £75 | |
| 17 | Ski Pack | Up to £100 per week Up to £300 |
Nil | NIL |
| 18 | Piste Closure | Up to £20 per day Up to £300 |
Nil | NIL |
| WEDDING COVER (Upon payment of the appropriate premium) | ||||
| 19 | Wedding Rings | £100 (each ring) | Nil | £75 |
| 20 | Wedding Gifts | £1,000 | Nil | £75 |
| 21 | Wedding Attire | £1,500 | Nil | £75 |
| 22 | Wedding Photographs or Video Recording | £750 | Nil | £75 |
Excesses
Sections 1, 2, 3, 6, 8-10, 15, 16, 19-22
These sections of cover are subject to an excess applying to each claim. An excess means that you are responsible for the first sum, per person, per incident, when you claim. On this website, our Classic policy excess is set at £150 and Deluxe policy excess is set at £75. You will be given the option to alter your excess as you move through the online quote process and an appropriate increase or decrease of premium will be applied.
PLEASE NOTE
Pages (i) to (iv) are to help you understand the insurance that your Policy provides.They detail the key features, benefits, limitations, and exclusions, but you still need to read the Policy Wording for a full description of the terms of the insurance, (including the policy definitions), together with the Policy Schedule, and any endorsements, applying to your policy. An Important Notice, and Important Notes are detailed on pages 3, 7 and 8 of your Policy Wording. The levels of cover and excesses which apply to your insurance are detailed in the Summary of Cover above, which forms part of your Policy Wording, but, otherwise, pages (i) to (iv) do not form part of the Policy Wording.
Insurer- This insurance is arranged by UK Underwriting Limited on behalf of the insurer, AXA Insurance UK plc. UK Underwriting Ltd and AXA Insurance UK plc are authorised and regulated by the Financial Services Authority. You can check this information on the FSA’s Register at www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234.
Purpose of this Insurance – This is a travel policy that, subject to the terms, conditions and exclusions contained in the Policy Wording, will cover certain specific situations that you may encounter whilst travelling.
Period of Cover – As stated on your Policy Schedule.
Principal Exclusions and Limitations
Medical Health Requirements
Cover does not apply if you, your travelling companions, or any person on whom your travel plans depend have a medical condition, illness, or injury which you or they knew about before you bought this insurance, or which develops before you book any trip to which this insurance applies. It is very important that you refer to the Medical Health Requirement Clause on pages 6 and 7 of the Policy Wording, as you may be able to obtain cover for such medical conditions by contacting us. If you have any other queries regarding cover, you should also contact us.
War and Terrorism
War and terrorist activities, and the like, are covered under Sections 5, 6 and 7, except if involving chemical, biological, or nuclear events, but such activities are not covered under other sections of the Policy or under any sections if the event was already taking place at the start of any trip.
Hazardous Holiday Activities and Pursuits
You are not covered for anything caused directly or indirectly by participation in professional or organised sport, winter sports, racing, speed or endurance tests, or other dangerous activities (unless agreed by us and the appropriate premium has
been paid).
Personal Property, Photographic Equipment (enhanced) and Golf Equipment (enhanced)
Cover is provided for loss, damage, or theft of your Personal Baggage, including Personal Money and loss of certain documents. We may, however, take off an amount for wear and tear when settling a claim, depending on the age and condition of the property. Cover is only provided up to maximum amounts for individual items, page valuable items, and cash within the overall limit. The Summary of Cover provides full details of these limits.
Excesses
Certain sections of cover are subject to an excess applying to each claim. An excess means that you are responsible for the first sum per person per incident when you claim. The amount of any excess is detailed in the Policy Wording on the Summary of Cover page. You may remove the excesses upon payment of the appropriate premium.
Duration of Cover
All trips must start and end from the United Kingdom (including the Isle of Man and Channel Islands), and the policy must cover the whole duration of the trip, and cannot be effected once travel has commenced. If your insurance is under an Annual Multi-Trip Policy, a maximum duration for any one trip applies and this will be no longer than 93 days on a Classic Policy or 185 days
on a Deluxe Policy. (The limit for Winter Sports cover will be shown on your Policy Schedule if the appropriate premium has been paid).
If you change your mind
If, having examined your Policy Wording, you decide the insurance does not meet your needs, you can cancel the insurance within 14 days from the date you receive the Policy Wording, and we will refund the premium provided you
have not taken a trip to which the insurance applies, and you have not made a on claim. If you wish to cancel your insurance you should telephone Preferential Direct Limited on 0870 221 4008 or write to them at the address shown in your policy.
Residency
To be eligible for this insurance policy you must be a UK resident and registered
with a medical practitioner at the time the policy is purchased.
Family
Family policies provide cover in respect of a maximum two parents or grandparents
and their children or grandchildren. Cover for families shall apply where the appropriate premium has been paid and where the family members travel together.
Age Limit
Single Trip Classic Product – Maximum of 65 years
Single Trip Deluxe Product – Maximum of 80 years
Annual Multi Trip Classic Product – Maximum of 65 years
Annual Multi Trip Deluxe Product – Maximum of 75 years (reduced to maximum of
70 years if for a Longstay Trip)
N.B. Some age limits are dependent upon destination and duration of the trip
MAKING A CLAIM
If you wish to make a claim, contact us on: Telephone: 01702 423386 Fax: 01702 351957
Or Write to : Preferential Administration Services, 6th Floor, Central House, Clifftown Road,
Southend-on-Sea, Essex. SS11AB. Please quote your policy number.
If you require emergency medical or travel expenses whilst abroad call: +44 (0)870 942 0361
YOUR RIGHT TO COMPLAIN–Whilst every effort is made to maintain the highest service standards,
should there be an occasion when the service you receive falls below the standard you expect, or you are
otherwise dissatisfied, then please follow the procedure below in the sequence shown:
a) If you wish to register a complaint, please write to:
• The General Manager, Preferential Direct Limited, PO Box 5317, Southend-on-Sea, Essex SS1 1WY.
b) If you arestill dissatisfied please write to:
• The Head of Claims, UK Underwriting Limited, 2 Gibraltar House, Bowcliffe Road, Leeds LS10 1HB.
c) If we still cannot resolve your complaint to your satisfaction, you will be entitled to refer it to the
Financial Ombudsman Service please write to:
• The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR.
Your statutory rights are not affected if you choose to follow the complaints procedure above. For further information
about your statutory rights contact your local authority Trading Standards Service or Citizens Advice Bureau.
THE FINANCIAL SERVICES COMPENSATION SCHEME (FSCS)– AXA Insurance UK plc are covered by the FSCS. This provides compensation in case any of its members go out of business or into liquidation and are unable to meet any valid claims under its policies. The first £2,000 of a claim is protected in full. Above this threshold, 90% of the remainder of the claiinformation can be obtained from us or visit www.fscs.org.uk.
DATA PROTECTION ACT 1998
Please note that any information provided to us will be processed by us and our agents in compliance with the provisions of the Data Protection Act 1998, for the purpose of providing insurance and handling claims, if any, which may necessitate providing such information to third parties.
The law and language applicable to the policy
This policy is governed by English Law unless otherwise agreed by us in writing. The language used in this policy and any communications relating to it will be in English. For your protection, telephone calls may be recorded and may be monitored.
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PREVIOUS KEY FACTS DOCUMENTS - ONLY APPLICABLE IF YOU PURCHASED YOUR TRAVEL INSURANCE ON OR BETWEEN DATES SHOWN BELOW:-
