Key Facts Summary of Cover - Worldtrekker™

Previous Key Facts - only download these documents if you have bought your Travel Insurance on or between the dates shown

Key Facts / Summary of Cover PDF
Key Facts documentation for polices purchased on or after the 15th June 2007

Key Facts / Summary of Cover PDF
 Key Facts documentation for polices purchased before the 15th June 2007

 


key facts
Key Facts / Summary of Cover PDF
Key Facts / Summary of Cover documentation for Worldtrekker policies purchased on or after the 15th June 2008

 

PREFERENTIAL WORLDTREKKER TRAVEL INSURANCE 2008/2009
SUMMARY OF COVER ( PER PERSON) PER TRIP
Section Cover Benefits Limit (£) Excess
1
Cancellation
£2,000
£50
2 Curtailment £2,000 £50
3
Disaster Recovery
£2,000
 £50
4
Medical Emergency Expenses
£5,000,000
£75
5
Hospital Benefit
£10 per 24hrs up to £1,000
 ---
6 Mugging Benefit £25 per 24hrs up to £500  
7* Personal Property
Single Item Limit
Valuables Limit
Loss of Travel Documents
Delayed Baggage
Money and Cash
Cash Limit
Cash Limit if under 18		 £1,000
£200
£200
£250
£150
£250
£150
£50		 £50




£50
8 Missed Departure £500 £50
9 Hijack £50 per 24hrs up to £500 ---
10 Personal Accident
Permanent Total Disablement
Loss of limb(s)/eye(s)
Death
Death if under 18
£10,000
£10,000
£5,000
£2,500		  
11 Student Loan Repayment £5,000  
12 Personal Liability £2,000,000  
13 Legal Expenses £10,000  
14* Winter Sports Equipment
Ski Equipment
Single Item Limit
Hired Ski Equipment
Ski Hire
£500
£350
£150
£10 per day up to £200 		£75
15* Ski Pack Up to £100 per week up to £300  
16* Piste Closure Up to £20 per day up to £300  
  * only operative if selected and any additional premiums paid.

PLEASE NOTE
Pages (i) and (ii) are here 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 and 7 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) and (ii) 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 Limited 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 page 6
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 4, 5 and 10, 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, racing, speed or endurance tests, or other dangerous activities (unless agreed
by us and the appropriate premium has been paid).

Worldtrekker™ Standard covers the following hazardous pursuits:-

Archery, Badminton (amateur), Basketball (amateur), Beach Games, Black Water Rafting (Grade 1-4), Canoeing, Clay Pigeon Shooting, Cycling (low use), Dingy Sailing, Fishing, Soccer (amateur), Golf (amateur), Hiking (under 2000 metres altitude), Jet Boating, Jet Skiing, Jogging, Marathon Runner (amateur), Martial arts (non-contact training only), Motor Cycling under 125cc (with helmet & license), Netball (amateur), Orienteering, Paintballing, Parascending (over water), Pony Trekking, Racquetball, Rambling (under 2000 metres altitude), River canoeing, Roller Blading (line skating/skateboarding), Rounders, Rowing, Running, Sprint/Long Distance (amateur), Scuba Diving (incidental/down to 15m), Safari (Ireland/UK organised. No firearms), Snorkelling, Squash (amateur), Tennis (amateur), Tour Operator Safari (UK/Ireland organised. No firearms), Track Events, Trekking (under 2000 metres), Triathalon, Volleyball (amateur), War Games (no weapons), Water Polo (amateur), Waterskiing (amateur), Windsurfing (amateur), Yachting (racing/crewing) – inside territorial coastal waters. Get Your Worldtrekker™ Standard Travel Insurance Quote

 

Worldtrekker™ Sports covers the following hazardous pursuits:-

Activities listed in Worldtrekker™ Standard, plus:-

Baseball (amateur), Boxing Training (no contact), Bungee Jump (up to three jumps maximum), Camel/Elephant riding/trekking, Cricket (amateur), Cycle Touring, Flying (private/small aircraft), Flying as a passenger (private aircraft), Go Karting (specific use), Hockey, Horse Riding (no Polo, Hunting, Jumping), Hot Air Ballooning (non-incidental), Jet Skiing (non-incidental), Kayaking, Backpacker Manual Labour (ground level only, no machinery), Motorcycling (over 125cc to 300cc. Licensed. No racing.), Parascending (over water, non incidental), Rambling/trekking between 2001m and 5000m (no treks greater than ‘strenuous’ grade. No ropes or guides.), Safari (non-UK organised. No firearms), Scuba Diving (non incidental/down to 30m), Sea Canoeing, Sea Fishing (non incidental), Surfing (amateur). Get Your Worldtrekker™ Sports Travel Insurance Quote

 

Worldtrekker™ Extreme covers the following hazardous pursuits:-

Activities listed in Worldtrekker™ Standard and Worldtrekker™ Sports, plus:-

Abseiling, American Football (amateur), Mountain biking, Paragliding, Parascending (over land, rock), Rugby (amateur), Sand Yachting, White/Black water rafting (grade 4 to 6), Yachting (racing/crewing) – outside territorial waters (no air sea rescue). Get Your Worldtrekker™ Extreme Travel Insurance Quote

Worldtrekker™ Ultra covers the following hazardous pursuits:-

Activities listed in Worldtrekker™ Standard, Worldtrekker™ Sports and Worldtrekker™ Extreme, plus:-

Horsejumping (no Polo, Hunting) and Parasailing. Get Your Worldtrekker™ Ultra Travel Insurance Quote

 
Personal Property
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 the 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.
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.
Duration of Cover
All trips must start and end in 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 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 claim. If you wish to cancel your insurance you should telephone
Preferential Direct Limited on 01702 423386 or write to them at the address shown in your
policy.
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. SS1
1AB. 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 Ltd, PO Box 3517, Southend-on-Sea, Essex. SS1 1WY.
b) If you are still 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.

THE FINANCI AL SERVICES COMPENSATION SCHEME (FSCS) – UK Underwriting Limited and 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 claim will be met. Further information 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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