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SECTION OF COVER |
UP TO LIMIT OF (£) per Insured Person |
PAGE(S) WITH FURTHER DETAILS |
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Personal Assistance Services |
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Transfer of Emergency funds |
£2,000 |
2,3 |
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Home Emergency Repairs |
£500 |
3 |
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| 1 |
Cancellation
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£15,000 |
9,10 |
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| 2 |
Curtailment |
£15,000 |
10,11 |
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| 3 |
Travel Delay |
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Up to 6 hours |
£200 |
11 |
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Each subsequent 6 hours |
£100/£500 |
11 |
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Abandonment |
£15,000 |
11 |
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| 4 |
Catastrophe Cover |
£1,000 |
11 |
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| 5 |
Missed Departure |
£1,000 |
12 |
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| 6 |
Involuntary Denial of Boarding |
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12 |
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Up to 6 hours |
£200 |
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Over 6 hours |
£500 |
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| 7 |
Personal Accident |
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12,13 |
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Death (18 to 65) |
£100,000 |
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Death (under 18 or over 65) |
£10,000 |
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Loss of Limbs |
£100,000 |
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Loss of Sight |
£100,000 |
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Permanent Total Disablement |
£100,000 |
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Medical Emergency Expenses |
£15,000,000 |
13,14 |
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Search & Rescue |
£150,000 |
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Repatriation of Body |
£2,500 |
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Emergency Dental Treatment |
£1,000 |
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Cost of Transfer to Hospital (UK) |
£500 |
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Cost for Business Colleague to Join Insured |
£750 |
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Cost of Person to join or stay with Insured |
£1,500 |
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| 9 |
Hospital Benefit |
£100 per day/£1,500 |
14 |
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| 10 |
Convalescence |
£250 per day/£1,500 |
14 |
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| 11 |
Personal Property |
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14,15 |
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Personal Baggage |
£2,500 |
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Single Article Limit |
£750 |
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Valuables |
£750 |
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Delayed Baggage |
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Up to 6 hours |
£500 |
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Over 6 hours |
£1,000 |
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Personal Money |
£1,000 |
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Cash |
£500 |
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| 12 |
Loss of Passport/Driving Licence Expenses |
£500 |
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| 13 |
Personal Public Liability |
£5,000,000 |
16 |
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| 14 |
Hijack |
£100 per day/£1,500 |
16 |
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| 15 |
Mugging Benefit |
£100 per day/£1,500 |
16,17 |
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| 16 |
Legal Expenses |
£100,000 |
17,18 |
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| 17 |
Kennel & Cattery Costs |
£250 |
18 |
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| 18 |
Winter Sports (Upon payment of the appropriate premium) |
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Ski Equipment |
£2,000 |
18,19 |
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Single Article Limit |
£500 |
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Delayed Equipment |
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Up to 6 hours |
£500 |
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Over 6 hours |
£500 |
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Ski Hire |
£100 per day/£1,000 |
19 |
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Unused Ski Pack |
£500 |
19,20 |
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Piste Closure |
£100 per day/£1,000 |
20 |
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Avalanche Delay |
£50 per day/£500 |
20 |
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Golf Cover (Upon payment of the appropriate premium) |
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Loss of Green Fees |
£1,000 |
20 |
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Golf Equipment Hire |
£10 per day/£1000 |
21 |
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Golf Equipment |
£2,000 |
21 |
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Single Article Limit |
£500 |
21 |
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Delayed Equipment |
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Up to 6 hours |
£500 |
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Over 6 hours |
£1,000 |
21 |
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Hole in One |
£250 |
21 |
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| 20 |
20 Business Travel (Upon payment of the appropriate premium) |
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Staff Replacement |
£3,000 |
21 |
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Business Equipment |
£1,000 |
22 |
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| 21 |
Wedding Cover (Upon payment of the appropriate premium) |
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Wedding Rings |
£100 (each ring) |
23 |
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Wedding Gifts |
£1,000 |
23 |
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Wedding Attire |
£1,500 |
23 |
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Wedding Photography, Video Recording |
£750 |
23 |
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POLICY SUMMARY |
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This Policy summary is to help you understand the insurance that your Policy provides. It details 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 schedule, and any endorsements,
applying to your policy. An Important Notice, and Important Notes are detailed on pages 4, 8 and 9 of your
Policy Wording. The levels of cover and excesses which apply to your insurance are detailed in the Summary of
Cover on pages i and ii of your Policy Wording. This Policy Summary does not form part of the Policy Wording.
Insurer –This insurance policy is arranged by Optimum Underwriting Limited and administered by
FirstAssist Insurance Services Limited on behalf of the insurer, Great Lakes Reinsurance (UK) PLC.
Optimum Underwriting Limited, FirstAssist Insurance Services Limited and Great Lakes Reinsurance (UK)
PLC are authorised and regulated by the Financial Services Authority. You can check this information on
the FSA’s Register by visiting the FSA’s website 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. |
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Principal Exclusions and Limitations |
Policy Reference |
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Medical Health Requirements |
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Cover does not apply if you or any person on whom your travel plans depend Medical Health
have a medical condition, illness, or injury which you or they knew about before Requirements you bought this insurance, or which develops before you book any trip to which Clause this insurance applies. It is very important that you refer to the of the Policy Wording, as you may be able to obtain cover for such medical conditions by contacting the Preferential Hotline. If you have any queries regarding cover, you should contact us. |
Medical Health Pages 7 and 8
Requirement Clause on pages 7 and 8 |
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Hazardous Holiday Activities and Pursuits |
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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 the appropriate premium has been paid). |
Page 28, General Exclusions Pages 24 and 25 |
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Personal Property |
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Cover is provided for loss, damage, or theft of your Baggage, including Delayed Baggage and Personal Money. 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, valuable items, and cash within the overall limit. The Summary of Cover provides full details of these limits. |
Section 11, Pages 14 and 15 Summary of Cover Page i |
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Excesses |
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No excesses are applicable to this policy. |
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Duration of Cover |
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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 12 months. The limit for Winter Sports
cover (if additional premium has been paid) will be shown on your policy
schedule. |
Important Notes Page 8 |
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If you change your mind |
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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 claim. If you wish to cancel your insurance you should telephone Preferential
Direct Limited on 0870 607 7277 or write to them at the address shown in
your policy. |
‘Cooling off’ Period Page 4 and Important Note 3) on Page 8 |
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MAKING A CLAIM –If you wish to make a claim, please telephone the appropriate number below:
If you require emergency medical or travel expenses whilst abroad – +44 (0)208 763 4859 Any other claims (apart from Legal Expenses) or to obtain a claim form:
Telephone: 01702 423385 Fax: 01702 351957
Or write to: Preferential Member Services, 6th Floor, Central House, Clifftown Road, Southend-on-Sea, Essex SS1 1AB. Please quote your policy number.
If your claim is under the Legal Expenses section then please contact: FirstAssist Insurance Services Limited, Marshall’sCourt, Marshall’sRoad, Sutton, Surrey SM1 4DU. Telephone: 020 8652 1313 |
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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, then:
a) If you wish to register a complaint, please contact Preferential Direct Limited
• In writing: The General Manager, Preferential Direct Limited, PO Box 5317, Southend-on-Sea, Essex SS1 1WY.
• Byphone: 01702 423330
b) If you are still dissatisfied please contact us:
• In writing: FirstAssist Insurance Services Limited, Customer Relations Office, 1 Drake Circus, Plymouth, Devon PL1 1QH.
• By phone: 0870 060 0190
c) If we cannot resolve your complaint to your satisfaction, you may be entitled to refer it to the Financial Ombudsman Service:
• In writing: The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London
E14 9SR. |
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THE FINANCIAL SERVICES COMPENSATION SCHEME (FSCS)–Great Lakes Reinsurance (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 claim will be met. Further information can be obtained from us or the Financial Services Compensation Scheme. |
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The law and language applicable to the policy
Both you and we can choose the law that will apply to this policy. This policy is governed by the law which applies to the part of the United Kingdom, Channel Islands or the Isle of Man in which you normally live.
The language used in this policy and any communications relating to it will be in English.
For your protection, calls may be recorded and may be monitored.
Preferential Direct Limited, Registered in England No. 3375210.
Registered Office: 12 Mill Street, Maidstone, Kent ME15 6XU.
Optimum Underwriting Limited, Registered in England No. 3805719.
Registered Office: Somers, Cranbrook Road, Benenden, Kent TN17 4ET.
FirstAssist Insurance Services Limited. Registered in England and Wales No. 04617110.
Registered Office: Marshall’s Court, Marshall’s Road, Sutton, Surrey SM1 4DU.
Great Lakes Reinsurance (UK) PLC. Registered in England and Wales No. 2189462.
Registered Office: Plantation Place, 30 Fenchurch Street, London, EC3M 3AJ.
Preferential Direct Limited, Optimum Underwriting Limited, FirstAssist Insurance Services Limited
and Great Lakes Reinsurance (UK) PLC are all authorised and regulated
by the Financial Services Authority. |
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