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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *2K4X5X3A2Z-TPYU/7F7T9YJ* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: 2K4X5X3A2Z-TPYU/7F7T9YJ. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER 2K4X5X3A2Z-TPYU/7F7T9YJ LEVEL OF COVER Silver DATE OF ISSUE 07 October, 2025 COVER PERIOD 19 March, 2021 to Monday 20 July, 2020 EXCESS* £0 ADDRESS Flat 59 Callum crest West George W2 6TTYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Elliott White Tue 11 July, 2023 DESTINATIONS COVERED Zimbabwe OPTIONAL COVER ADDED Excess Waiver £197.09 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 27 May, 2022 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 07 October, 2025 TRAVEL INSURANCE COVID-19 LETTER: 2K4X5X3A2Z-TPYU/7F7T9YJ This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: 2K4X5X3A2Z-TPYU/7F7T9YJ Insured Persons: Elliott White (Tue 11 July, 2023) Insured Address: Flat 59 Callum crest West George , W2 6TT , United Kingdom Policy V alid: 19 March, 2021 to Monday 20 July, 2020 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *ZW-DS0KAI/J8ERZ9SSZSXLQ* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: ZW-DS0KAI/J8ERZ9SSZSXLQ. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER ZW-DS0KAI/J8ERZ9SSZSXLQ LEVEL OF COVER Silver DATE OF ISSUE Fri 12 May, 2023 COVER PERIOD 22/07/2025 to 18/02/2021 EXCESS* £0 ADDRESS Flat 0 Leigh lodge Lewischester OL4 8SNYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Jodie Clayton Tuesday 05 April, 2022 DESTINATIONS COVERED Gabon OPTIONAL COVER ADDED Excess Waiver £6,816.03 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 02 August, 2023 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 Fri 12 May, 2023 TRAVEL INSURANCE COVID-19 LETTER: ZW-DS0KAI/J8ERZ9SSZSXLQ This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: ZW-DS0KAI/J8ERZ9SSZSXLQ Insured Persons: Jodie Clayton (Tuesday 05 April, 2022) Insured Address: Flat 0 Leigh lodge Lewischester , OL4 8SN , United Kingdom Policy V alid: 22/07/2025 to 18/02/2021 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *ADASULAUEGDZZ_/L* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: ADASULAUEGDZZ_/L. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER ADASULAUEGDZZ_/L LEVEL OF COVER Silver DATE OF ISSUE 15/03/2025 COVER PERIOD 16/05/2025 to 10 November, 2022 EXCESS* £0 ADDRESS Studio 58r Edwards parkway North Grace L03 7AWYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Lynne Dean 17/04/19 DESTINATIONS COVERED Faroe Islands OPTIONAL COVER ADDED Excess Waiver £863.52 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 16/12/2023 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 15/03/2025 TRAVEL INSURANCE COVID-19 LETTER: ADASULAUEGDZZ_/L This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: ADASULAUEGDZZ_/L Insured Persons: Lynne Dean (17/04/19) Insured Address: Studio 58r Edwards parkway North Grace , L03 7AW , United Kingdom Policy V alid: 16/05/2025 to 10 November, 2022 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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ADASULAUEGDZZ_/L
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(?<=YOUR POLICY NUMBER IS:\* \*)[-\w_\/\.]+?(?=\*)
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10 November, 2022
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(?<=to )[-\w_\/\. ,]+?(?= EXCESS)
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16/05/2025
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(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)
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Travel
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(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)
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2024-02-02
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cover-4-you-travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *nqcpknkhwvirkakxjhj* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: nqcpknkhwvirkakxjhj. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER nqcpknkhwvirkakxjhj LEVEL OF COVER Silver DATE OF ISSUE 2024-04-02 COVER PERIOD Wednesday 29 March, 2023 to 02/02/2024 EXCESS* £0 ADDRESS Studio 70 Joshua fall Alanchester G6G 3GNYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Joe Holt Thu 24 December, 2020 DESTINATIONS COVERED Turks and Caicos Islands OPTIONAL COVER ADDED Excess Waiver £3,777.96 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD Friday 21 February, 2020 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 2024-04-02 TRAVEL INSURANCE COVID-19 LETTER: nqcpknkhwvirkakxjhj This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: nqcpknkhwvirkakxjhj Insured Persons: Joe Holt (Thu 24 December, 2020) Insured Address: Studio 70 Joshua fall Alanchester , G6G 3GN , United Kingdom Policy V alid: Wednesday 29 March, 2023 to 02/02/2024 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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02/02/2024
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Wednesday 29 March, 2023
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Travel
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(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)
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2024-02-02
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cover-4-you-travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *20XS70F/T-09S/I9* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: 20XS70F/T-09S/I9. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER 20XS70F/T-09S/I9 LEVEL OF COVER Silver DATE OF ISSUE Saturday 15 March, 2025 COVER PERIOD 2019-05-09 to 15 November, 2021 EXCESS* £0 ADDRESS 243 Jordan field Wyattmouth S6T 9YTYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Duncan Payne-Andrews Sat 13 May, 2023 DESTINATIONS COVERED South Africa OPTIONAL COVER ADDED Excess Waiver £5,775.20 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 04/09/24 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 Saturday 15 March, 2025 TRAVEL INSURANCE COVID-19 LETTER: 20XS70F/T-09S/I9 This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: 20XS70F/T-09S/I9 Insured Persons: Duncan Payne-Andrews (Sat 13 May, 2023) Insured Address: 243 Jordan field Wyattmouth , S6T 9YT , United Kingdom Policy V alid: 2019-05-09 to 15 November, 2021 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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20XS70F/T-09S/I9
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(?<=YOUR POLICY NUMBER IS:\* \*)[-\w_\/\.]+?(?=\*)
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15 November, 2021
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(?<=to )[-\w_\/\. ,]+?(?= EXCESS)
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2019-05-09
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(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)
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Travel
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(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)
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2024-02-02
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cover-4-you-travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *1T3BOZGX.9G0A* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: 1T3BOZGX.9G0A. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER 1T3BOZGX.9G0A LEVEL OF COVER Silver DATE OF ISSUE 29/03/23 COVER PERIOD 26/04/2024 to 25/01/2026 EXCESS* £0 ADDRESS 78 Berry curve Mooretown L52 1XDYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Dr Samuel Taylor Monday 13 June, 2022 DESTINATIONS COVERED Pitcairn Islands OPTIONAL COVER ADDED Excess Waiver £6,968.22 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 27 August, 2019 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 29/03/23 TRAVEL INSURANCE COVID-19 LETTER: 1T3BOZGX.9G0A This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: 1T3BOZGX.9G0A Insured Persons: Dr Samuel Taylor (Monday 13 June, 2022) Insured Address: 78 Berry curve Mooretown , L52 1XD , United Kingdom Policy V alid: 26/04/2024 to 25/01/2026 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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1T3BOZGX.9G0A
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(?<=YOUR POLICY NUMBER IS:\* \*)[-\w_\/\.]+?(?=\*)
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25/01/2026
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(?<=to )[-\w_\/\. ,]+?(?= EXCESS)
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26/04/2024
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(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)
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Travel
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(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)
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2024-02-02
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cover-4-you-travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *TTK/68YY/PE9* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: TTK/68YY/PE9. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER TTK/68YY/PE9 LEVEL OF COVER Silver DATE OF ISSUE 15/11/21 COVER PERIOD 04/07/2025 to 10/04/19 EXCESS* £0 ADDRESS 761 Karen field Lake Lynnestad N5U 6HWYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Harry Davison 2025-07-03 DESTINATIONS COVERED Kuwait OPTIONAL COVER ADDED Excess Waiver £1,665.88 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 2022-06-17 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 15/11/21 TRAVEL INSURANCE COVID-19 LETTER: TTK/68YY/PE9 This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: TTK/68YY/PE9 Insured Persons: Harry Davison (2025-07-03) Insured Address: 761 Karen field Lake Lynnestad , N5U 6HW , United Kingdom Policy V alid: 04/07/2025 to 10/04/19 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *EI.EI_NPN* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: EI.EI_NPN. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER EI.EI_NPN LEVEL OF COVER Silver DATE OF ISSUE 21/10/25 COVER PERIOD 06/03/20 to Mon 23 October, 2023 EXCESS* £0 ADDRESS Flat 11 Vincent neck Terenceview L46 9QQYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Katie Ali-Baker Wednesday 27 November, 2019 DESTINATIONS COVERED Latvia OPTIONAL COVER ADDED Excess Waiver £6,281.98 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 31/03/2021 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 21/10/25 TRAVEL INSURANCE COVID-19 LETTER: EI.EI_NPN This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: EI.EI_NPN Insured Persons: Katie Ali-Baker (Wednesday 27 November, 2019) Insured Address: Flat 11 Vincent neck Terenceview , L46 9QQ , United Kingdom Policy V alid: 06/03/20 to Mon 23 October, 2023 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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(?<=YOUR POLICY NUMBER IS:\* \*)[-\w_\/\.]+?(?=\*)
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Mon 23 October, 2023
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06/03/20
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Travel
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2024-02-02
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cover-4-you-travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *B.D8ZRGXKOG7X1* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: B.D8ZRGXKOG7X1. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER B.D8ZRGXKOG7X1 LEVEL OF COVER Silver DATE OF ISSUE 23/04/24 COVER PERIOD Monday 30 June, 2025 to 18/08/22 EXCESS* £0 ADDRESS Flat 14 Denis expressway North Patrick B1 3WNYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Dr Hilary Pritchard 10/08/2019 DESTINATIONS COVERED Cook Islands OPTIONAL COVER ADDED Excess Waiver £5,406.33 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 26/05/2025 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 23/04/24 TRAVEL INSURANCE COVID-19 LETTER: B.D8ZRGXKOG7X1 This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: B.D8ZRGXKOG7X1 Insured Persons: Dr Hilary Pritchard (10/08/2019) Insured Address: Flat 14 Denis expressway North Patrick , B1 3WN , United Kingdom Policy V alid: Monday 30 June, 2025 to 18/08/22 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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B.D8ZRGXKOG7X1
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18/08/22
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Monday 30 June, 2025
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Travel
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(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)
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2024-02-02
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cover-4-you-travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *jm-e_sjmlfmowwtuyph* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: jm-e_sjmlfmowwtuyph. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER jm-e_sjmlfmowwtuyph LEVEL OF COVER Silver DATE OF ISSUE Sun 20 July, 2025 COVER PERIOD 2023-02-11 to 24/08/2023 EXCESS* £0 ADDRESS Studio 2 Sam fork West Abdulmouth HS70 1GHYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Mr Luke Chapman 23/11/24 DESTINATIONS COVERED Guernsey OPTIONAL COVER ADDED Excess Waiver £1,867.34 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD Wed 12 March, 2025 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 Sun 20 July, 2025 TRAVEL INSURANCE COVID-19 LETTER: jm-e_sjmlfmowwtuyph This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: jm-e_sjmlfmowwtuyph Insured Persons: Mr Luke Chapman (23/11/24) Insured Address: Studio 2 Sam fork West Abdulmouth , HS70 1GH , United Kingdom Policy V alid: 2023-02-11 to 24/08/2023 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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24/08/2023
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2023-02-11
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(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)
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Travel
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(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)
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2024-02-02
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cover-4-you-travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *VDFUGM_M.E./.HVXVWJ* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: VDFUGM_M.E./.HVXVWJ. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER VDFUGM_M.E./.HVXVWJ LEVEL OF COVER Silver DATE OF ISSUE 08/05/2024 COVER PERIOD Sunday 02 January, 2022 to 18/03/2020 EXCESS* £0 ADDRESS Studio 76 Paul prairie South Joshua N2B 9QSYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Marie Barlow-Hammond Mon 15 June, 2020 DESTINATIONS COVERED Martinique OPTIONAL COVER ADDED Excess Waiver £8,592.32 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD Thursday 04 March, 2021 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 08/05/2024 TRAVEL INSURANCE COVID-19 LETTER: VDFUGM_M.E./.HVXVWJ This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: VDFUGM_M.E./.HVXVWJ Insured Persons: Marie Barlow-Hammond (Mon 15 June, 2020) Insured Address: Studio 76 Paul prairie South Joshua , N2B 9QS , United Kingdom Policy V alid: Sunday 02 January, 2022 to 18/03/2020 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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VDFUGM_M.E./.HVXVWJ
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(?<=YOUR POLICY NUMBER IS:\* \*)[-\w_\/\.]+?(?=\*)
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18/03/2020
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(?<=to )[-\w_\/\. ,]+?(?= EXCESS)
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Sunday 02 January, 2022
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(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)
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Travel
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(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)
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2024-02-02
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cover-4-you-travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *NEGH/PDCLF* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: NEGH/PDCLF. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER NEGH/PDCLF LEVEL OF COVER Silver DATE OF ISSUE 23/12/2021 COVER PERIOD 2019-03-02 to 18/01/24 EXCESS* £0 ADDRESS Studio 7 Dawn crescent South Louise G0 8FWYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Jean Brown 21/07/2023 DESTINATIONS COVERED United States Virgin Islands OPTIONAL COVER ADDED Excess Waiver £1,743.31 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 30/10/23 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 23/12/2021 TRAVEL INSURANCE COVID-19 LETTER: NEGH/PDCLF This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: NEGH/PDCLF Insured Persons: Jean Brown (21/07/2023) Insured Address: Studio 7 Dawn crescent South Louise , G0 8FW , United Kingdom Policy V alid: 2019-03-02 to 18/01/24 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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NEGH/PDCLF
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(?<=YOUR POLICY NUMBER IS:\* \*)[-\w_\/\.]+?(?=\*)
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18/01/24
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(?<=to )[-\w_\/\. ,]+?(?= EXCESS)
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2019-03-02
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(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)
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Travel
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(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)
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2024-02-02
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cover-4-you-travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *WXSNHQLTX* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: WXSNHQLTX. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER WXSNHQLTX LEVEL OF COVER Silver DATE OF ISSUE 17/05/2020 COVER PERIOD 26/01/2023 to Tuesday 08 March, 2022 EXCESS* £0 ADDRESS Studio 56 Holmes rapid East Kerry ML4A 9ERYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Miss Kate O'Neill 2021-07-15 DESTINATIONS COVERED Singapore OPTIONAL COVER ADDED Excess Waiver £6,280.49 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 30/08/21 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 17/05/2020 TRAVEL INSURANCE COVID-19 LETTER: WXSNHQLTX This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: WXSNHQLTX Insured Persons: Miss Kate O'Neill (2021-07-15) Insured Address: Studio 56 Holmes rapid East Kerry , ML4A 9ER , United Kingdom Policy V alid: 26/01/2023 to Tuesday 08 March, 2022 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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WXSNHQLTX
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Tuesday 08 March, 2022
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26/01/2023
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Travel
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2024-02-02
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cover-4-you-travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *VUA4795OB* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: VUA4795OB. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER VUA4795OB LEVEL OF COVER Silver DATE OF ISSUE 02/01/2024 COVER PERIOD 04/03/25 to 02/09/2019 EXCESS* £0 ADDRESS 54 Ellie square Kieranhaven ME03 2JHYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Arthur Murphy Sat 24 October, 2020 DESTINATIONS COVERED Congo OPTIONAL COVER ADDED Excess Waiver £6,778.68 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD Saturday 27 April, 2024 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 02/01/2024 TRAVEL INSURANCE COVID-19 LETTER: VUA4795OB This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: VUA4795OB Insured Persons: Arthur Murphy (Sat 24 October, 2020) Insured Address: 54 Ellie square Kieranhaven , ME03 2JH , United Kingdom Policy V alid: 04/03/25 to 02/09/2019 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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VUA4795OB
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02/09/2019
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04/03/25
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Travel
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2024-02-02
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cover-4-you-travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *405T9//EQU1* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: 405T9//EQU1. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER 405T9//EQU1 LEVEL OF COVER Silver DATE OF ISSUE Tuesday 19 May, 2020 COVER PERIOD 12/08/2025 to 10/09/19 EXCESS* £0 ADDRESS Flat 2 Lloyd well West Victoriamouth OL2 2PGYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Roger Atkinson Mon 30 December, 2024 DESTINATIONS COVERED Mexico OPTIONAL COVER ADDED Excess Waiver £9,111.01 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD Fri 25 March, 2022 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 Tuesday 19 May, 2020 TRAVEL INSURANCE COVID-19 LETTER: 405T9//EQU1 This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: 405T9//EQU1 Insured Persons: Roger Atkinson (Mon 30 December, 2024) Insured Address: Flat 2 Lloyd well West Victoriamouth , OL2 2PG , United Kingdom Policy V alid: 12/08/2025 to 10/09/19 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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405T9//EQU1
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10/09/19
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12/08/2025
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Travel
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(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)
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2024-02-02
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cover-4-you-travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *FMRPBKYP_FL_RHC* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: FMRPBKYP_FL_RHC. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER FMRPBKYP_FL_RHC LEVEL OF COVER Silver DATE OF ISSUE Wednesday 08 March, 2023 COVER PERIOD 17/02/2024 to 20 March, 2022 EXCESS* £0 ADDRESS Studio 12 Joseph valleys North Steven NR4H 6JTYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Laura Ellis 29 January, 2025 DESTINATIONS COVERED Cayman Islands OPTIONAL COVER ADDED Excess Waiver £1,365.46 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD Sat 22 June, 2024 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 Wednesday 08 March, 2023 TRAVEL INSURANCE COVID-19 LETTER: FMRPBKYP_FL_RHC This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: FMRPBKYP_FL_RHC Insured Persons: Laura Ellis (29 January, 2025) Insured Address: Studio 12 Joseph valleys North Steven , NR4H 6JT , United Kingdom Policy V alid: 17/02/2024 to 20 March, 2022 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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FMRPBKYP_FL_RHC
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(?<=YOUR POLICY NUMBER IS:\* \*)[-\w_\/\.]+?(?=\*)
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20 March, 2022
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(?<=to )[-\w_\/\. ,]+?(?= EXCESS)
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17/02/2024
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(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)
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Travel
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(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)
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2024-02-02
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cover-4-you-travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *ZWPQY/V5Z/0RKFFF6Z2MOVH* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: ZWPQY/V5Z/0RKFFF6Z2MOVH. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER ZWPQY/V5Z/0RKFFF6Z2MOVH LEVEL OF COVER Silver DATE OF ISSUE 06 December, 2024 COVER PERIOD 30 March, 2021 to 2021-09-26 EXCESS* £0 ADDRESS Studio 60C Robert flats Smithfort PA0E 6TLYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Miss Sharon Watkins Wed 02 July, 2025 DESTINATIONS COVERED Antarctica (the territory South of 60 deg S) OPTIONAL COVER ADDED Excess Waiver £6,295.75 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 29/08/23 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 06 December, 2024 TRAVEL INSURANCE COVID-19 LETTER: ZWPQY/V5Z/0RKFFF6Z2MOVH This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: ZWPQY/V5Z/0RKFFF6Z2MOVH Insured Persons: Miss Sharon Watkins (Wed 02 July, 2025) Insured Address: Studio 60C Robert flats Smithfort , PA0E 6TL , United Kingdom Policy V alid: 30 March, 2021 to 2021-09-26 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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ZWPQY/V5Z/0RKFFF6Z2MOVH
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(?<=YOUR POLICY NUMBER IS:\* \*)[-\w_\/\.]+?(?=\*)
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2021-09-26
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(?<=to )[-\w_\/\. ,]+?(?= EXCESS)
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30 March, 2021
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(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)
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Travel
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(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)
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2024-02-02
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cover-4-you-travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *TKS718Q* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: TKS718Q. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER TKS718Q LEVEL OF COVER Silver DATE OF ISSUE 27 September, 2024 COVER PERIOD Sun 04 April, 2021 to 22 September, 2025 EXCESS* £0 ADDRESS Flat 93M Donald vista Lake Joyceton NG3 0PEYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Miss Gillian Hughes 24/10/2025 DESTINATIONS COVERED Poland OPTIONAL COVER ADDED Excess Waiver £5,620.62 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 2021-11-05 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 27 September, 2024 TRAVEL INSURANCE COVID-19 LETTER: TKS718Q This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: TKS718Q Insured Persons: Miss Gillian Hughes (24/10/2025) Insured Address: Flat 93M Donald vista Lake Joyceton , NG3 0PE , United Kingdom Policy V alid: Sun 04 April, 2021 to 22 September, 2025 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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TKS718Q
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(?<=YOUR POLICY NUMBER IS:\* \*)[-\w_\/\.]+?(?=\*)
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22 September, 2025
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(?<=to )[-\w_\/\. ,]+?(?= EXCESS)
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Sun 04 April, 2021
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(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)
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Travel
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2024-02-02
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cover-4-you-travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *rfdjngfizz* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: rfdjngfizz. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER rfdjngfizz LEVEL OF COVER Silver DATE OF ISSUE Fri 01 November, 2019 COVER PERIOD 28/06/22 to 07/12/2022 EXCESS* £0 ADDRESS Flat 2 Jarvis falls East Janetville G9K 1BSYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Christian Howe-Johnson 10/03/19 DESTINATIONS COVERED Saint Kitts and Nevis OPTIONAL COVER ADDED Excess Waiver £6,152.24 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD Thursday 02 May, 2024 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 Fri 01 November, 2019 TRAVEL INSURANCE COVID-19 LETTER: rfdjngfizz This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: rfdjngfizz Insured Persons: Christian Howe-Johnson (10/03/19) Insured Address: Flat 2 Jarvis falls East Janetville , G9K 1BS , United Kingdom Policy V alid: 28/06/22 to 07/12/2022 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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07/12/2022
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28/06/22
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Travel
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2024-02-02
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cover-4-you-travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *28_J3YJDDE2V0EVC* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: 28_J3YJDDE2V0EVC. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER 28_J3YJDDE2V0EVC LEVEL OF COVER Silver DATE OF ISSUE Saturday 16 October, 2021 COVER PERIOD Thu 07 August, 2025 to 2019-07-31 EXCESS* £0 ADDRESS 37 Rosie street Osborneview L7 4TWYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Zoe Howells 05/12/2022 DESTINATIONS COVERED Guyana OPTIONAL COVER ADDED Excess Waiver £4,091.89 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 31/01/2020 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 Saturday 16 October, 2021 TRAVEL INSURANCE COVID-19 LETTER: 28_J3YJDDE2V0EVC This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: 28_J3YJDDE2V0EVC Insured Persons: Zoe Howells (05/12/2022) Insured Address: 37 Rosie street Osborneview , L7 4TW , United Kingdom Policy V alid: Thu 07 August, 2025 to 2019-07-31 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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28_J3YJDDE2V0EVC
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(?<=YOUR POLICY NUMBER IS:\* \*)[-\w_\/\.]+?(?=\*)
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2019-07-31
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(?<=to )[-\w_\/\. ,]+?(?= EXCESS)
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Thu 07 August, 2025
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(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)
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Travel
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(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)
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2024-02-02
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cover-4-you-travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *E8KGLZGNBXZM* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: E8KGLZGNBXZM. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER E8KGLZGNBXZM LEVEL OF COVER Silver DATE OF ISSUE 10/05/2019 COVER PERIOD Wed 17 April, 2024 to 18 August, 2021 EXCESS* £0 ADDRESS Flat 70 Hannah springs South Paulside W3 5ELYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Mrs Barbara Campbell 10/06/2025 DESTINATIONS COVERED Congo OPTIONAL COVER ADDED Excess Waiver £5,481.25 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 29/12/2025 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 10/05/2019 TRAVEL INSURANCE COVID-19 LETTER: E8KGLZGNBXZM This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: E8KGLZGNBXZM Insured Persons: Mrs Barbara Campbell (10/06/2025) Insured Address: Flat 70 Hannah springs South Paulside , W3 5EL , United Kingdom Policy V alid: Wed 17 April, 2024 to 18 August, 2021 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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Wed 17 April, 2024
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *Z-UULEAWZGRSTK.W* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: Z-UULEAWZGRSTK.W. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER Z-UULEAWZGRSTK.W LEVEL OF COVER Silver DATE OF ISSUE 04 March, 2021 COVER PERIOD 2022-02-06 to Sat 11 September, 2021 EXCESS* £0 ADDRESS 900 Wood rest North Jakeshire GL8A 3XHYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Kathleen Evans Sun 12 April, 2020 DESTINATIONS COVERED Qatar OPTIONAL COVER ADDED Excess Waiver £4,071.46 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 2020-09-19 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 04 March, 2021 TRAVEL INSURANCE COVID-19 LETTER: Z-UULEAWZGRSTK.W This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: Z-UULEAWZGRSTK.W Insured Persons: Kathleen Evans (Sun 12 April, 2020) Insured Address: 900 Wood rest North Jakeshire , GL8A 3XH , United Kingdom Policy V alid: 2022-02-06 to Sat 11 September, 2021 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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(?<=YOUR POLICY NUMBER IS:\* \*)[-\w_\/\.]+?(?=\*)
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Sat 11 September, 2021
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(?<=to )[-\w_\/\. ,]+?(?= EXCESS)
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2022-02-06
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(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)
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Travel
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(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)
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2024-02-02
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cover-4-you-travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *ILMGFMMPQLZKRXJAL* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: ILMGFMMPQLZKRXJAL. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER ILMGFMMPQLZKRXJAL LEVEL OF COVER Silver DATE OF ISSUE Thursday 05 September, 2019 COVER PERIOD 2024-04-10 to 23/05/2024 EXCESS* £0 ADDRESS 333 Hill square Jonestown W1U 4JQYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Antony Harrison 23 September, 2019 DESTINATIONS COVERED Turkmenistan OPTIONAL COVER ADDED Excess Waiver £4,551.51 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 03/04/23 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 Thursday 05 September, 2019 TRAVEL INSURANCE COVID-19 LETTER: ILMGFMMPQLZKRXJAL This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: ILMGFMMPQLZKRXJAL Insured Persons: Antony Harrison (23 September, 2019) Insured Address: 333 Hill square Jonestown , W1U 4JQ , United Kingdom Policy V alid: 2024-04-10 to 23/05/2024 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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ILMGFMMPQLZKRXJAL
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(?<=YOUR POLICY NUMBER IS:\* \*)[-\w_\/\.]+?(?=\*)
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23/05/2024
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(?<=to )[-\w_\/\. ,]+?(?= EXCESS)
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2024-04-10
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(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)
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Travel
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(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)
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2024-02-02
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cover-4-you-travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *ec/mvuw_besosx* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: ec/mvuw_besosx. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER ec/mvuw_besosx LEVEL OF COVER Silver DATE OF ISSUE 24 July, 2023 COVER PERIOD 18 September, 2021 to 23/02/2024 EXCESS* £0 ADDRESS Flat 5 Oliver shoals West Bethanyfurt NE7R 1NNYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.William Watson Sunday 01 November, 2020 DESTINATIONS COVERED Cote d'Ivoire OPTIONAL COVER ADDED Excess Waiver £6,832.41 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 06/04/2020 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 24 July, 2023 TRAVEL INSURANCE COVID-19 LETTER: ec/mvuw_besosx This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: ec/mvuw_besosx Insured Persons: William Watson (Sunday 01 November, 2020) Insured Address: Flat 5 Oliver shoals West Bethanyfurt , NE7R 1NN , United Kingdom Policy V alid: 18 September, 2021 to 23/02/2024 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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23/02/2024
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2024-02-02
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *T8ACL4Y1BIM* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: T8ACL4Y1BIM. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER T8ACL4Y1BIM LEVEL OF COVER Silver DATE OF ISSUE 2022-04-02 COVER PERIOD 11 February, 2020 to Friday 01 March, 2019 EXCESS* £0 ADDRESS Studio 18M Kathryn trail Lynneland BH7 8ADYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Kimberley Johnson Fri 29 March, 2024 DESTINATIONS COVERED Gibraltar OPTIONAL COVER ADDED Excess Waiver £9,361.34 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 11/02/22 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 2022-04-02 TRAVEL INSURANCE COVID-19 LETTER: T8ACL4Y1BIM This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: T8ACL4Y1BIM Insured Persons: Kimberley Johnson (Fri 29 March, 2024) Insured Address: Studio 18M Kathryn trail Lynneland , BH7 8AD , United Kingdom Policy V alid: 11 February, 2020 to Friday 01 March, 2019 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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Friday 01 March, 2019
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11 February, 2020
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Travel
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(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)
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2024-02-02
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cover-4-you-travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *LNJLGJN_LRUKRYN.MS-* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: LNJLGJN_LRUKRYN.MS-. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER LNJLGJN_LRUKRYN.MS- LEVEL OF COVER Silver DATE OF ISSUE 28/11/2023 COVER PERIOD 26 September, 2021 to 2025-06-11 EXCESS* £0 ADDRESS 6 Naomi mills South Derek TW6 5ZJYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Julia Haynes Sunday 26 April, 2020 DESTINATIONS COVERED Singapore OPTIONAL COVER ADDED Excess Waiver £7,775.60 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 21/05/2020 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 28/11/2023 TRAVEL INSURANCE COVID-19 LETTER: LNJLGJN_LRUKRYN.MS- This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: LNJLGJN_LRUKRYN.MS- Insured Persons: Julia Haynes (Sunday 26 April, 2020) Insured Address: 6 Naomi mills South Derek , TW6 5ZJ , United Kingdom Policy V alid: 26 September, 2021 to 2025-06-11 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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LNJLGJN_LRUKRYN.MS-
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2025-06-11
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26 September, 2021
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Travel
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(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)
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2024-02-02
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cover-4-you-travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *KX.-YQU9405.AKJ9VXZBF* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: KX.-YQU9405.AKJ9VXZBF. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER KX.-YQU9405.AKJ9VXZBF LEVEL OF COVER Silver DATE OF ISSUE 2021-07-20 COVER PERIOD 2019-05-19 to 2021-10-02 EXCESS* £0 ADDRESS Flat 01G Brown club South Jamesfort L9D 1HUYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Ms Debra Spencer Saturday 06 November, 2021 DESTINATIONS COVERED Guinea OPTIONAL COVER ADDED Excess Waiver £2,064.56 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 28/10/21 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 2021-07-20 TRAVEL INSURANCE COVID-19 LETTER: KX.-YQU9405.AKJ9VXZBF This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: KX.-YQU9405.AKJ9VXZBF Insured Persons: Ms Debra Spencer (Saturday 06 November, 2021) Insured Address: Flat 01G Brown club South Jamesfort , L9D 1HU , United Kingdom Policy V alid: 2019-05-19 to 2021-10-02 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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KX.-YQU9405.AKJ9VXZBF
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(?<=YOUR POLICY NUMBER IS:\* \*)[-\w_\/\.]+?(?=\*)
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2021-10-02
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(?<=to )[-\w_\/\. ,]+?(?= EXCESS)
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2019-05-19
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(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)
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Travel
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(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)
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2024-02-02
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cover-4-you-travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *JZFV/QTOHH-ZDTYXY_V-KZN* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: JZFV/QTOHH-ZDTYXY_V-KZN. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER JZFV/QTOHH-ZDTYXY_V-KZN LEVEL OF COVER Silver DATE OF ISSUE Sun 22 November, 2020 COVER PERIOD Monday 21 November, 2022 to 19/03/2023 EXCESS* £0 ADDRESS Studio 73 Hughes estate New Mathewbury N7F 5BBYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Edward O'Connor 27 February, 2024 DESTINATIONS COVERED New Caledonia OPTIONAL COVER ADDED Excess Waiver £7,133.78 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 28/05/2020 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 Sun 22 November, 2020 TRAVEL INSURANCE COVID-19 LETTER: JZFV/QTOHH-ZDTYXY_V-KZN This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: JZFV/QTOHH-ZDTYXY_V-KZN Insured Persons: Edward O'Connor (27 February, 2024) Insured Address: Studio 73 Hughes estate New Mathewbury , N7F 5BB , United Kingdom Policy V alid: Monday 21 November, 2022 to 19/03/2023 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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19/03/2023
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(?<=to )[-\w_\/\. ,]+?(?= EXCESS)
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Monday 21 November, 2022
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(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)
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Travel
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(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)
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2024-02-02
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cover-4-you-travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *2I1.0/X3_AY* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: 2I1.0/X3_AY. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER 2I1.0/X3_AY LEVEL OF COVER Silver DATE OF ISSUE 06/12/2025 COVER PERIOD 24/06/19 to 10/08/2024 EXCESS* £0 ADDRESS 921 Maria corner South Yvonne HG5 6ZEYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Matthew Bibi 2020-10-23 DESTINATIONS COVERED Barbados OPTIONAL COVER ADDED Excess Waiver £8,238.86 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 19/01/21 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 06/12/2025 TRAVEL INSURANCE COVID-19 LETTER: 2I1.0/X3_AY This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: 2I1.0/X3_AY Insured Persons: Matthew Bibi (2020-10-23) Insured Address: 921 Maria corner South Yvonne , HG5 6ZE , United Kingdom Policy V alid: 24/06/19 to 10/08/2024 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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cover-4-you-travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *D./-W43V1MLN-VO/HL* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: D./-W43V1MLN-VO/HL. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER D./-W43V1MLN-VO/HL LEVEL OF COVER Silver DATE OF ISSUE 03 June, 2021 COVER PERIOD Sunday 10 February, 2019 to 2022-09-19 EXCESS* £0 ADDRESS 17 Norman mission Jonesshire S3S 6ZRYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Miss Rosie Sheppard Thursday 27 February, 2020 DESTINATIONS COVERED Italy OPTIONAL COVER ADDED Excess Waiver £9,652.16 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 15 December, 2019 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 03 June, 2021 TRAVEL INSURANCE COVID-19 LETTER: D./-W43V1MLN-VO/HL This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: D./-W43V1MLN-VO/HL Insured Persons: Miss Rosie Sheppard (Thursday 27 February, 2020) Insured Address: 17 Norman mission Jonesshire , S3S 6ZR , United Kingdom Policy V alid: Sunday 10 February, 2019 to 2022-09-19 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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2022-09-19
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Sunday 10 February, 2019
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Travel
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2024-02-02
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *7VN.-J/1IB.8-7PG70* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: 7VN.-J/1IB.8-7PG70. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER 7VN.-J/1IB.8-7PG70 LEVEL OF COVER Silver DATE OF ISSUE 30 December, 2024 COVER PERIOD 23 August, 2023 to 2020-09-23 EXCESS* £0 ADDRESS 195 Palmer bypass Lake Nigelchester NP43 7LJYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Anthony Ward-Jackson Sunday 01 March, 2020 DESTINATIONS COVERED Hong Kong OPTIONAL COVER ADDED Excess Waiver £8,515.55 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD Mon 25 December, 2023 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 30 December, 2024 TRAVEL INSURANCE COVID-19 LETTER: 7VN.-J/1IB.8-7PG70 This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: 7VN.-J/1IB.8-7PG70 Insured Persons: Anthony Ward-Jackson (Sunday 01 March, 2020) Insured Address: 195 Palmer bypass Lake Nigelchester , NP43 7LJ , United Kingdom Policy V alid: 23 August, 2023 to 2020-09-23 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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7VN.-J/1IB.8-7PG70
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2020-09-23
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23 August, 2023
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(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)
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Travel
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(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)
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2024-02-02
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cover-4-you-travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *HNRNSRCOCS__S-SNLHNRXP* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: HNRNSRCOCS__S-SNLHNRXP. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER HNRNSRCOCS__S-SNLHNRXP LEVEL OF COVER Silver DATE OF ISSUE 17 February, 2019 COVER PERIOD 09/09/2022 to 2022-12-19 EXCESS* £0 ADDRESS 304 Ben inlet Cliffordhaven G89 0PQYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Rosemary Cook 15/11/25 DESTINATIONS COVERED Guernsey OPTIONAL COVER ADDED Excess Waiver £1,941.57 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 06/03/2020 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 17 February, 2019 TRAVEL INSURANCE COVID-19 LETTER: HNRNSRCOCS__S-SNLHNRXP This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: HNRNSRCOCS__S-SNLHNRXP Insured Persons: Rosemary Cook (15/11/25) Insured Address: 304 Ben inlet Cliffordhaven , G89 0PQ , United Kingdom Policy V alid: 09/09/2022 to 2022-12-19 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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Travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *NZY-GHU-GUTCTON* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: NZY-GHU-GUTCTON. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER NZY-GHU-GUTCTON LEVEL OF COVER Silver DATE OF ISSUE 13/11/19 COVER PERIOD Friday 24 March, 2023 to Monday 01 January, 2024 EXCESS* £0 ADDRESS 13 Moran garden New Dennis N94 7ANYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Dr Trevor Wall Fri 09 April, 2021 DESTINATIONS COVERED Cocos (Keeling) Islands OPTIONAL COVER ADDED Excess Waiver £3,202.61 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD Sunday 03 March, 2019 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 13/11/19 TRAVEL INSURANCE COVID-19 LETTER: NZY-GHU-GUTCTON This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: NZY-GHU-GUTCTON Insured Persons: Dr Trevor Wall (Fri 09 April, 2021) Insured Address: 13 Moran garden New Dennis , N94 7AN , United Kingdom Policy V alid: Friday 24 March, 2023 to Monday 01 January, 2024 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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NZY-GHU-GUTCTON
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(?<=YOUR POLICY NUMBER IS:\* \*)[-\w_\/\.]+?(?=\*)
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Monday 01 January, 2024
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(?<=to )[-\w_\/\. ,]+?(?= EXCESS)
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Friday 24 March, 2023
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(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)
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Travel
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(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)
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2024-02-02
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cover-4-you-travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *60SY.4TV0X* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: 60SY.4TV0X. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER 60SY.4TV0X LEVEL OF COVER Silver DATE OF ISSUE 2025-06-26 COVER PERIOD 17/01/2023 to Thu 21 September, 2023 EXCESS* £0 ADDRESS 7 Richardson landing Cooperton WD1V 4YWYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Ross Steele-Woods 2020-11-06 DESTINATIONS COVERED Ethiopia OPTIONAL COVER ADDED Excess Waiver £8,172.01 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 10/01/2022 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 2025-06-26 TRAVEL INSURANCE COVID-19 LETTER: 60SY.4TV0X This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: 60SY.4TV0X Insured Persons: Ross Steele-Woods (2020-11-06) Insured Address: 7 Richardson landing Cooperton , WD1V 4YW , United Kingdom Policy V alid: 17/01/2023 to Thu 21 September, 2023 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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60SY.4TV0X
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(?<=YOUR POLICY NUMBER IS:\* \*)[-\w_\/\.]+?(?=\*)
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Thu 21 September, 2023
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(?<=to )[-\w_\/\. ,]+?(?= EXCESS)
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17/01/2023
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(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)
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Travel
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(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)
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2024-02-02
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cover-4-you-travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *AIHN.YD_A* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: AIHN.YD_A. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER AIHN.YD_A LEVEL OF COVER Silver DATE OF ISSUE 25 November, 2021 COVER PERIOD 08/02/2024 to Tue 07 April, 2020 EXCESS* £0 ADDRESS Studio 84p Declan plain New Jeanborough B8 9XNYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Keith White 12/11/2021 DESTINATIONS COVERED Sri Lanka OPTIONAL COVER ADDED Excess Waiver £2,806.88 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 2023-10-15 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 25 November, 2021 TRAVEL INSURANCE COVID-19 LETTER: AIHN.YD_A This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: AIHN.YD_A Insured Persons: Keith White (12/11/2021) Insured Address: Studio 84p Declan plain New Jeanborough , B8 9XN , United Kingdom Policy V alid: 08/02/2024 to Tue 07 April, 2020 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *3S0LN1/2YKVPZ21B6K* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: 3S0LN1/2YKVPZ21B6K. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER 3S0LN1/2YKVPZ21B6K LEVEL OF COVER Silver DATE OF ISSUE 01/04/2022 COVER PERIOD 2020-03-25 to 24/10/25 EXCESS* £0 ADDRESS Flat 12 Cartwright gardens Port Mandyview N0 4GZYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Dr Jake Kent 31 May, 2020 DESTINATIONS COVERED Burundi OPTIONAL COVER ADDED Excess Waiver £2,973.83 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 19/07/21 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 01/04/2022 TRAVEL INSURANCE COVID-19 LETTER: 3S0LN1/2YKVPZ21B6K This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: 3S0LN1/2YKVPZ21B6K Insured Persons: Dr Jake Kent (31 May, 2020) Insured Address: Flat 12 Cartwright gardens Port Mandyview , N0 4GZ , United Kingdom Policy V alid: 2020-03-25 to 24/10/25 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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3S0LN1/2YKVPZ21B6K
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24/10/25
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2020-03-25
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Travel
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2024-02-02
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cover-4-you-travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *V-5PLM/7L3HTMX* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: V-5PLM/7L3HTMX. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER V-5PLM/7L3HTMX LEVEL OF COVER Silver DATE OF ISSUE 10/04/21 COVER PERIOD 28 May, 2021 to Wednesday 24 January, 2024 EXCESS* £0 ADDRESS Studio 72 Harris village Terenceside IP58 6LYYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Karen Porter-Marshall 2019-12-25 DESTINATIONS COVERED Montenegro OPTIONAL COVER ADDED Excess Waiver £1,634.14 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD Tuesday 28 May, 2019 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 10/04/21 TRAVEL INSURANCE COVID-19 LETTER: V-5PLM/7L3HTMX This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: V-5PLM/7L3HTMX Insured Persons: Karen Porter-Marshall (2019-12-25) Insured Address: Studio 72 Harris village Terenceside , IP58 6LY , United Kingdom Policy V alid: 28 May, 2021 to Wednesday 24 January, 2024 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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V-5PLM/7L3HTMX
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(?<=YOUR POLICY NUMBER IS:\* \*)[-\w_\/\.]+?(?=\*)
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Wednesday 24 January, 2024
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(?<=to )[-\w_\/\. ,]+?(?= EXCESS)
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28 May, 2021
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(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)
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Travel
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(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)
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2024-02-02
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cover-4-you-travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *ZF-BO/QBJHL* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: ZF-BO/QBJHL. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER ZF-BO/QBJHL LEVEL OF COVER Silver DATE OF ISSUE 01/10/2023 COVER PERIOD Friday 18 February, 2022 to 08/06/2022 EXCESS* £0 ADDRESS 78 Kenneth parkway New Staceyport YO9 0ZQYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Scott Gilbert Thursday 22 October, 2020 DESTINATIONS COVERED Australia OPTIONAL COVER ADDED Excess Waiver £8,791.94 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 18 March, 2021 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 01/10/2023 TRAVEL INSURANCE COVID-19 LETTER: ZF-BO/QBJHL This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: ZF-BO/QBJHL Insured Persons: Scott Gilbert (Thursday 22 October, 2020) Insured Address: 78 Kenneth parkway New Staceyport , YO9 0ZQ , United Kingdom Policy V alid: Friday 18 February, 2022 to 08/06/2022 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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ZF-BO/QBJHL
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(?<=YOUR POLICY NUMBER IS:\* \*)[-\w_\/\.]+?(?=\*)
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08/06/2022
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(?<=to )[-\w_\/\. ,]+?(?= EXCESS)
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Friday 18 February, 2022
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(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)
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Travel
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(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)
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2024-02-02
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cover-4-you-travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *U4-5CEP/Y/C29_8Z7523/HO* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: U4-5CEP/Y/C29_8Z7523/HO. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER U4-5CEP/Y/C29_8Z7523/HO LEVEL OF COVER Silver DATE OF ISSUE 23/01/24 COVER PERIOD Thursday 10 October, 2019 to 11/12/20 EXCESS* £0 ADDRESS 83 Eileen prairie Taylorside G08 5DGYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Vanessa Knight Wed 14 December, 2022 DESTINATIONS COVERED Sao Tome and Principe OPTIONAL COVER ADDED Excess Waiver £6,998.30 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 18/02/2021 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 23/01/24 TRAVEL INSURANCE COVID-19 LETTER: U4-5CEP/Y/C29_8Z7523/HO This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: U4-5CEP/Y/C29_8Z7523/HO Insured Persons: Vanessa Knight (Wed 14 December, 2022) Insured Address: 83 Eileen prairie Taylorside , G08 5DG , United Kingdom Policy V alid: Thursday 10 October, 2019 to 11/12/20 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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U4-5CEP/Y/C29_8Z7523/HO
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(?<=YOUR POLICY NUMBER IS:\* \*)[-\w_\/\.]+?(?=\*)
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11/12/20
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(?<=to )[-\w_\/\. ,]+?(?= EXCESS)
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Thursday 10 October, 2019
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(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)
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Travel
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(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)
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2024-02-02
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cover-4-you-travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *KDTG6/QLTLG2WBIJB3P9/2E* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: KDTG6/QLTLG2WBIJB3P9/2E. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER KDTG6/QLTLG2WBIJB3P9/2E LEVEL OF COVER Silver DATE OF ISSUE 05/08/2019 COVER PERIOD 2023-04-12 to 13/01/21 EXCESS* £0 ADDRESS Studio 97 Wells plains Chambersport M7 5ERYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Dr Kate Gray 29/11/2019 DESTINATIONS COVERED Andorra OPTIONAL COVER ADDED Excess Waiver £2,875.44 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 22/04/2025 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 05/08/2019 TRAVEL INSURANCE COVID-19 LETTER: KDTG6/QLTLG2WBIJB3P9/2E This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: KDTG6/QLTLG2WBIJB3P9/2E Insured Persons: Dr Kate Gray (29/11/2019) Insured Address: Studio 97 Wells plains Chambersport , M7 5ER , United Kingdom Policy V alid: 2023-04-12 to 13/01/21 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *mtd_fbpoh_eaxwf/b_/bj* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: mtd_fbpoh_eaxwf/b_/bj. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER mtd_fbpoh_eaxwf/b_/bj LEVEL OF COVER Silver DATE OF ISSUE 24/03/22 COVER PERIOD Monday 06 September, 2021 to Friday 17 December, 2021 EXCESS* £0 ADDRESS 6 Stevens station Lake Samantha DN48 1RZYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Mr Russell Oliver 02/06/24 DESTINATIONS COVERED Isle of Man OPTIONAL COVER ADDED Excess Waiver £9,096.44 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 14/01/2022 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 24/03/22 TRAVEL INSURANCE COVID-19 LETTER: mtd_fbpoh_eaxwf/b_/bj This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: mtd_fbpoh_eaxwf/b_/bj Insured Persons: Mr Russell Oliver (02/06/24) Insured Address: 6 Stevens station Lake Samantha , DN48 1RZ , United Kingdom Policy V alid: Monday 06 September, 2021 to Friday 17 December, 2021 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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Friday 17 December, 2021
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2024-02-02
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *W0Q-WEL.O2P1YH* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: W0Q-WEL.O2P1YH. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER W0Q-WEL.O2P1YH LEVEL OF COVER Silver DATE OF ISSUE 16/05/2023 COVER PERIOD 21 April, 2022 to Wed 15 September, 2021 EXCESS* £0 ADDRESS Flat 3 Reece fields Bethanchester L6B 4WWYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Dr Duncan Ball 20/05/2019 DESTINATIONS COVERED Bahamas OPTIONAL COVER ADDED Excess Waiver £9,519.12 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 24/10/24 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 16/05/2023 TRAVEL INSURANCE COVID-19 LETTER: W0Q-WEL.O2P1YH This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: W0Q-WEL.O2P1YH Insured Persons: Dr Duncan Ball (20/05/2019) Insured Address: Flat 3 Reece fields Bethanchester , L6B 4WW , United Kingdom Policy V alid: 21 April, 2022 to Wed 15 September, 2021 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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Wed 15 September, 2021
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21 April, 2022
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(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)
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Travel
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(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)
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2024-02-02
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cover-4-you-travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *UTJOCAGMDT* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: UTJOCAGMDT. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER UTJOCAGMDT LEVEL OF COVER Silver DATE OF ISSUE 05 June, 2022 COVER PERIOD 2025-02-19 to 08 March, 2020 EXCESS* £0 ADDRESS Studio 87p Lynch prairie New Meganshire WD4 4FUYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Mr Dominic Jones 18/03/24 DESTINATIONS COVERED Peru OPTIONAL COVER ADDED Excess Waiver £8,993.01 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD Thu 11 June, 2020 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 05 June, 2022 TRAVEL INSURANCE COVID-19 LETTER: UTJOCAGMDT This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: UTJOCAGMDT Insured Persons: Mr Dominic Jones (18/03/24) Insured Address: Studio 87p Lynch prairie New Meganshire , WD4 4FU , United Kingdom Policy V alid: 2025-02-19 to 08 March, 2020 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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2024-02-02
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *37.CKF3IMCGIOJRJJGC* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: 37.CKF3IMCGIOJRJJGC. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER 37.CKF3IMCGIOJRJJGC LEVEL OF COVER Silver DATE OF ISSUE 15 November, 2022 COVER PERIOD 22 September, 2022 to Sun 16 February, 2025 EXCESS* £0 ADDRESS Studio 63 Giles shoals West Nicolefurt GU4 7HTYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Dr Pamela Mason 2019-10-23 DESTINATIONS COVERED Trinidad and Tobago OPTIONAL COVER ADDED Excess Waiver £7,088.14 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD Tuesday 25 February, 2020 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 15 November, 2022 TRAVEL INSURANCE COVID-19 LETTER: 37.CKF3IMCGIOJRJJGC This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: 37.CKF3IMCGIOJRJJGC Insured Persons: Dr Pamela Mason (2019-10-23) Insured Address: Studio 63 Giles shoals West Nicolefurt , GU4 7HT , United Kingdom Policy V alid: 22 September, 2022 to Sun 16 February, 2025 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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37.CKF3IMCGIOJRJJGC
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(?<=YOUR POLICY NUMBER IS:\* \*)[-\w_\/\.]+?(?=\*)
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Sun 16 February, 2025
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(?<=to )[-\w_\/\. ,]+?(?= EXCESS)
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22 September, 2022
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(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)
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Travel
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(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)
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2024-02-02
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cover-4-you-travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *4C3N/KQJPPQ862* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: 4C3N/KQJPPQ862. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER 4C3N/KQJPPQ862 LEVEL OF COVER Silver DATE OF ISSUE Sat 07 May, 2022 COVER PERIOD 23 January, 2022 to 29/09/2020 EXCESS* £0 ADDRESS Studio 3 Denise parkway Ruthchester E4B 6PXYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Declan Stanley 16/01/20 DESTINATIONS COVERED Uzbekistan OPTIONAL COVER ADDED Excess Waiver £1,598.64 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 28 December, 2023 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 Sat 07 May, 2022 TRAVEL INSURANCE COVID-19 LETTER: 4C3N/KQJPPQ862 This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: 4C3N/KQJPPQ862 Insured Persons: Declan Stanley (16/01/20) Insured Address: Studio 3 Denise parkway Ruthchester , E4B 6PX , United Kingdom Policy V alid: 23 January, 2022 to 29/09/2020 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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4C3N/KQJPPQ862
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(?<=YOUR POLICY NUMBER IS:\* \*)[-\w_\/\.]+?(?=\*)
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29/09/2020
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(?<=to )[-\w_\/\. ,]+?(?= EXCESS)
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23 January, 2022
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(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)
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Travel
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(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)
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2024-02-02
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cover-4-you-travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *vlxm/gnvkizxi-_u-q//* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: vlxm/gnvkizxi-_u-q//. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER vlxm/gnvkizxi-_u-q// LEVEL OF COVER Silver DATE OF ISSUE 25/05/21 COVER PERIOD 2021-06-25 to Saturday 08 February, 2025 EXCESS* £0 ADDRESS Studio 3 Simpson overpass Katyland S75 7AEYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Mr Jamie Singh 2022-08-06 DESTINATIONS COVERED Palestinian Territory OPTIONAL COVER ADDED Excess Waiver £8,868.13 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 09/04/2024 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 25/05/21 TRAVEL INSURANCE COVID-19 LETTER: vlxm/gnvkizxi-_u-q// This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: vlxm/gnvkizxi-_u-q// Insured Persons: Mr Jamie Singh (2022-08-06) Insured Address: Studio 3 Simpson overpass Katyland , S75 7AE , United Kingdom Policy V alid: 2021-06-25 to Saturday 08 February, 2025 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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Saturday 08 February, 2025
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Travel
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2024-02-02
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *UFWOA1A* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: UFWOA1A. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER UFWOA1A LEVEL OF COVER Silver DATE OF ISSUE 06/05/23 COVER PERIOD 08/03/2019 to Sun 01 October, 2023 EXCESS* £0 ADDRESS Flat 0 Barlow ville South Howardside BD35 4JBYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Dr William Bell 14/07/2019 DESTINATIONS COVERED Libyan Arab Jamahiriya OPTIONAL COVER ADDED Excess Waiver £1,813.10 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD Fri 13 June, 2025 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 06/05/23 TRAVEL INSURANCE COVID-19 LETTER: UFWOA1A This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: UFWOA1A Insured Persons: Dr William Bell (14/07/2019) Insured Address: Flat 0 Barlow ville South Howardside , BD35 4JB , United Kingdom Policy V alid: 08/03/2019 to Sun 01 October, 2023 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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UFWOA1A
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(?<=YOUR POLICY NUMBER IS:\* \*)[-\w_\/\.]+?(?=\*)
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Sun 01 October, 2023
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(?<=to )[-\w_\/\. ,]+?(?= EXCESS)
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08/03/2019
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(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)
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Travel
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(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)
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2024-02-02
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cover-4-you-travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *CIH14N2Q672H* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: CIH14N2Q672H. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER CIH14N2Q672H LEVEL OF COVER Silver DATE OF ISSUE Monday 17 November, 2025 COVER PERIOD 29/10/22 to Wed 13 October, 2021 EXCESS* £0 ADDRESS Studio 78 Barber fork Thorntonstad EH37 3NUYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Mr Jake Chambers 06 August, 2025 DESTINATIONS COVERED Cocos (Keeling) Islands OPTIONAL COVER ADDED Excess Waiver £8,245.97 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 27/05/2019 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 Monday 17 November, 2025 TRAVEL INSURANCE COVID-19 LETTER: CIH14N2Q672H This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: CIH14N2Q672H Insured Persons: Mr Jake Chambers (06 August, 2025) Insured Address: Studio 78 Barber fork Thorntonstad , EH37 3NU , United Kingdom Policy V alid: 29/10/22 to Wed 13 October, 2021 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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CIH14N2Q672H
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(?<=YOUR POLICY NUMBER IS:\* \*)[-\w_\/\.]+?(?=\*)
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Wed 13 October, 2021
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(?<=to )[-\w_\/\. ,]+?(?= EXCESS)
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29/10/22
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(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)
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Travel
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(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)
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2024-02-02
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cover-4-you-travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *14/L45BQK* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: 14/L45BQK. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER 14/L45BQK LEVEL OF COVER Silver DATE OF ISSUE 19/10/19 COVER PERIOD 17/09/2023 to 21/01/2022 EXCESS* £0 ADDRESS 54 White station North Sharontown DD93 4GBYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Derek White 11 July, 2023 DESTINATIONS COVERED Armenia OPTIONAL COVER ADDED Excess Waiver £2,602.44 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 12/09/23 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 19/10/19 TRAVEL INSURANCE COVID-19 LETTER: 14/L45BQK This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: 14/L45BQK Insured Persons: Derek White (11 July, 2023) Insured Address: 54 White station North Sharontown , DD93 4GB , United Kingdom Policy V alid: 17/09/2023 to 21/01/2022 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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14/L45BQK
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(?<=YOUR POLICY NUMBER IS:\* \*)[-\w_\/\.]+?(?=\*)
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21/01/2022
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(?<=to )[-\w_\/\. ,]+?(?= EXCESS)
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17/09/2023
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(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)
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Travel
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(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)
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2024-02-02
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cover-4-you-travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *kmrudspvjpgg* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: kmrudspvjpgg. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER kmrudspvjpgg LEVEL OF COVER Silver DATE OF ISSUE 13/09/25 COVER PERIOD Mon 13 May, 2024 to Mon 31 March, 2025 EXCESS* £0 ADDRESS 418 Jessica vista West Leah E6 1JPYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Callum Lee Friday 25 July, 2025 DESTINATIONS COVERED French Polynesia OPTIONAL COVER ADDED Excess Waiver £1,857.40 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD Fri 27 March, 2020 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 13/09/25 TRAVEL INSURANCE COVID-19 LETTER: kmrudspvjpgg This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: kmrudspvjpgg Insured Persons: Callum Lee (Friday 25 July, 2025) Insured Address: 418 Jessica vista West Leah , E6 1JP , United Kingdom Policy V alid: Mon 13 May, 2024 to Mon 31 March, 2025 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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kmrudspvjpgg
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(?<=YOUR POLICY NUMBER IS:\* \*)[-\w_\/\.]+?(?=\*)
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Mon 31 March, 2025
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(?<=to )[-\w_\/\. ,]+?(?= EXCESS)
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Mon 13 May, 2024
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(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)
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Travel
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(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)
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2024-02-02
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cover-4-you-travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *FJV/80C2/4GT* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: FJV/80C2/4GT. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER FJV/80C2/4GT LEVEL OF COVER Silver DATE OF ISSUE 03/12/20 COVER PERIOD 08/02/24 to 2024-07-24 EXCESS* £0 ADDRESS Studio 17 Ellie plains Mathewfurt W4 1GYYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Miss Joan Robinson 2025-06-27 DESTINATIONS COVERED Brazil OPTIONAL COVER ADDED Excess Waiver £276.46 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 2022-11-06 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 03/12/20 TRAVEL INSURANCE COVID-19 LETTER: FJV/80C2/4GT This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: FJV/80C2/4GT Insured Persons: Miss Joan Robinson (2025-06-27) Insured Address: Studio 17 Ellie plains Mathewfurt , W4 1GY , United Kingdom Policy V alid: 08/02/24 to 2024-07-24 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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2024-07-24
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *V/JK25GR8TD_L7C/4KEX* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: V/JK25GR8TD_L7C/4KEX. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER V/JK25GR8TD_L7C/4KEX LEVEL OF COVER Silver DATE OF ISSUE 04/01/2022 COVER PERIOD 31/07/2020 to 10/10/2019 EXCESS* £0 ADDRESS Studio 42 Davies stravenue Amandaville DD26 0TBYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Mrs Jill Barrett 19/12/2022 DESTINATIONS COVERED Lithuania OPTIONAL COVER ADDED Excess Waiver £5,878.65 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 29/08/24 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 04/01/2022 TRAVEL INSURANCE COVID-19 LETTER: V/JK25GR8TD_L7C/4KEX This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: V/JK25GR8TD_L7C/4KEX Insured Persons: Mrs Jill Barrett (19/12/2022) Insured Address: Studio 42 Davies stravenue Amandaville , DD26 0TB , United Kingdom Policy V alid: 31/07/2020 to 10/10/2019 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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V/JK25GR8TD_L7C/4KEX
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10/10/2019
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31/07/2020
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(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)
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Travel
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(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)
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2024-02-02
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cover-4-you-travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *18VBENKA* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: 18VBENKA. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER 18VBENKA LEVEL OF COVER Silver DATE OF ISSUE Sun 26 March, 2023 COVER PERIOD Wed 21 May, 2025 to 27/01/2022 EXCESS* £0 ADDRESS 2 Christopher landing New Carly E9 1QGYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Elliott Brown 2021-04-12 DESTINATIONS COVERED Gabon OPTIONAL COVER ADDED Excess Waiver £2,680.83 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD Sunday 07 May, 2023 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 Sun 26 March, 2023 TRAVEL INSURANCE COVID-19 LETTER: 18VBENKA This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: 18VBENKA Insured Persons: Elliott Brown (2021-04-12) Insured Address: 2 Christopher landing New Carly , E9 1QG , United Kingdom Policy V alid: Wed 21 May, 2025 to 27/01/2022 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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18VBENKA
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(?<=YOUR POLICY NUMBER IS:\* \*)[-\w_\/\.]+?(?=\*)
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27/01/2022
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(?<=to )[-\w_\/\. ,]+?(?= EXCESS)
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Wed 21 May, 2025
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(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)
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Travel
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(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)
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2024-02-02
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cover-4-you-travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *2B.K3HIIN* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: 2B.K3HIIN. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER 2B.K3HIIN LEVEL OF COVER Silver DATE OF ISSUE 28 January, 2023 COVER PERIOD 29/09/2019 to Tuesday 06 August, 2024 EXCESS* £0 ADDRESS 809 Gerald meadow Port Josephineside N3U 7DYYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Ms Amelia Allen 07/10/2019 DESTINATIONS COVERED Saint Helena OPTIONAL COVER ADDED Excess Waiver £6,209.40 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 18 March, 2022 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 28 January, 2023 TRAVEL INSURANCE COVID-19 LETTER: 2B.K3HIIN This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: 2B.K3HIIN Insured Persons: Ms Amelia Allen (07/10/2019) Insured Address: 809 Gerald meadow Port Josephineside , N3U 7DY , United Kingdom Policy V alid: 29/09/2019 to Tuesday 06 August, 2024 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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2B.K3HIIN
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(?<=YOUR POLICY NUMBER IS:\* \*)[-\w_\/\.]+?(?=\*)
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Tuesday 06 August, 2024
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29/09/2019
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(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)
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Travel
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(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)
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2024-02-02
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cover-4-you-travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *q_l.gyqbnpgbuqwfms/xml* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: q_l.gyqbnpgbuqwfms/xml. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER q_l.gyqbnpgbuqwfms/xml LEVEL OF COVER Silver DATE OF ISSUE 2023-08-19 COVER PERIOD 07/11/22 to Sat 10 February, 2024 EXCESS* £0 ADDRESS 84 Denise mountains East Josephport B30 5DDYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Mrs Georgina Davey 05/10/2019 DESTINATIONS COVERED Jersey OPTIONAL COVER ADDED Excess Waiver £5,736.82 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 08/11/2025 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 2023-08-19 TRAVEL INSURANCE COVID-19 LETTER: q_l.gyqbnpgbuqwfms/xml This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: q_l.gyqbnpgbuqwfms/xml Insured Persons: Mrs Georgina Davey (05/10/2019) Insured Address: 84 Denise mountains East Josephport , B30 5DD , United Kingdom Policy V alid: 07/11/22 to Sat 10 February, 2024 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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(?<=YOUR POLICY NUMBER IS:\* \*)[-\w_\/\.]+?(?=\*)
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Sat 10 February, 2024
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(?<=to )[-\w_\/\. ,]+?(?= EXCESS)
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07/11/22
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(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)
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Travel
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(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)
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2024-02-02
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cover-4-you-travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *1JN-S89D3G/RZW9H/E55DE8J* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: 1JN-S89D3G/RZW9H/E55DE8J. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER 1JN-S89D3G/RZW9H/E55DE8J LEVEL OF COVER Silver DATE OF ISSUE 17 April, 2019 COVER PERIOD Thursday 30 September, 2021 to 2023-06-17 EXCESS* £0 ADDRESS 65 Palmer valley West Elliottland M0 9WPYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Carol Hall 2021-09-11 DESTINATIONS COVERED Faroe Islands OPTIONAL COVER ADDED Excess Waiver £7,556.47 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD Sun 15 December, 2024 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 17 April, 2019 TRAVEL INSURANCE COVID-19 LETTER: 1JN-S89D3G/RZW9H/E55DE8J This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: 1JN-S89D3G/RZW9H/E55DE8J Insured Persons: Carol Hall (2021-09-11) Insured Address: 65 Palmer valley West Elliottland , M0 9WP , United Kingdom Policy V alid: Thursday 30 September, 2021 to 2023-06-17 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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1JN-S89D3G/RZW9H/E55DE8J
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(?<=YOUR POLICY NUMBER IS:\* \*)[-\w_\/\.]+?(?=\*)
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2023-06-17
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(?<=to )[-\w_\/\. ,]+?(?= EXCESS)
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Thursday 30 September, 2021
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(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)
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Travel
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2024-02-02
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cover-4-you-travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *6LG0_M53VN37* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: 6LG0_M53VN37. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER 6LG0_M53VN37 LEVEL OF COVER Silver DATE OF ISSUE 2021-08-04 COVER PERIOD 04 November, 2024 to 26/12/2019 EXCESS* £0 ADDRESS Studio 4 Nicole villages West Yvonneport G2F 2DZYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Antony Riley-Howe 28/10/20 DESTINATIONS COVERED Uganda OPTIONAL COVER ADDED Excess Waiver £4,673.00 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD Wed 27 January, 2021 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 2021-08-04 TRAVEL INSURANCE COVID-19 LETTER: 6LG0_M53VN37 This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: 6LG0_M53VN37 Insured Persons: Antony Riley-Howe (28/10/20) Insured Address: Studio 4 Nicole villages West Yvonneport , G2F 2DZ , United Kingdom Policy V alid: 04 November, 2024 to 26/12/2019 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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26/12/2019
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04 November, 2024
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2024-02-02
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *2DCVUKRRZJP8F0* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: 2DCVUKRRZJP8F0. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER 2DCVUKRRZJP8F0 LEVEL OF COVER Silver DATE OF ISSUE 27/09/22 COVER PERIOD 19 November, 2019 to Mon 27 April, 2020 EXCESS* £0 ADDRESS 379 Leanne meadow Port Simonborough SN97 0TBYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Janet Knight 27/05/2019 DESTINATIONS COVERED South Africa OPTIONAL COVER ADDED Excess Waiver £7,468.14 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 18/04/2024 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 27/09/22 TRAVEL INSURANCE COVID-19 LETTER: 2DCVUKRRZJP8F0 This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: 2DCVUKRRZJP8F0 Insured Persons: Janet Knight (27/05/2019) Insured Address: 379 Leanne meadow Port Simonborough , SN97 0TB , United Kingdom Policy V alid: 19 November, 2019 to Mon 27 April, 2020 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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2DCVUKRRZJP8F0
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(?<=YOUR POLICY NUMBER IS:\* \*)[-\w_\/\.]+?(?=\*)
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Mon 27 April, 2020
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(?<=to )[-\w_\/\. ,]+?(?= EXCESS)
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19 November, 2019
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(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)
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Travel
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(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)
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2024-02-02
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cover-4-you-travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *pabg_jcgsklapk* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: pabg_jcgsklapk. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER pabg_jcgsklapk LEVEL OF COVER Silver DATE OF ISSUE 2021-12-13 COVER PERIOD 2024-08-19 to 2023-02-06 EXCESS* £0 ADDRESS Flat 6 Nicholson squares Port Jaynebury EC3V 0LLYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Tracey Lawson 05/11/2023 DESTINATIONS COVERED Sudan OPTIONAL COVER ADDED Excess Waiver £1,904.75 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD Monday 26 June, 2023 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 2021-12-13 TRAVEL INSURANCE COVID-19 LETTER: pabg_jcgsklapk This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: pabg_jcgsklapk Insured Persons: Tracey Lawson (05/11/2023) Insured Address: Flat 6 Nicholson squares Port Jaynebury , EC3V 0LL , United Kingdom Policy V alid: 2024-08-19 to 2023-02-06 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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2023-02-06
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2024-08-19
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Travel
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(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)
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2024-02-02
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cover-4-you-travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *4UL/ERC0* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: 4UL/ERC0. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER 4UL/ERC0 LEVEL OF COVER Silver DATE OF ISSUE 28 August, 2021 COVER PERIOD 14/09/22 to 2019-06-24 EXCESS* £0 ADDRESS 2 Rachael corner South Arthurburgh RG7B 2JYYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Mandy Stewart Tue 30 June, 2020 DESTINATIONS COVERED Nepal OPTIONAL COVER ADDED Excess Waiver £8,299.72 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD Tue 26 January, 2021 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 28 August, 2021 TRAVEL INSURANCE COVID-19 LETTER: 4UL/ERC0 This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: 4UL/ERC0 Insured Persons: Mandy Stewart (Tue 30 June, 2020) Insured Address: 2 Rachael corner South Arthurburgh , RG7B 2JY , United Kingdom Policy V alid: 14/09/22 to 2019-06-24 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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4UL/ERC0
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(?<=YOUR POLICY NUMBER IS:\* \*)[-\w_\/\.]+?(?=\*)
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2019-06-24
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(?<=to )[-\w_\/\. ,]+?(?= EXCESS)
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14/09/22
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(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)
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Travel
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(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)
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2024-02-02
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cover-4-you-travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *G.DVCHLJJMST_S.REVYZ* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: G.DVCHLJJMST_S.REVYZ. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER G.DVCHLJJMST_S.REVYZ LEVEL OF COVER Silver DATE OF ISSUE 13/10/19 COVER PERIOD 13/03/25 to 18 October, 2020 EXCESS* £0 ADDRESS Studio 97j Nicole ports Hallmouth BT43 5QLYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Mr Liam Cooke 14 March, 2019 DESTINATIONS COVERED Saint Vincent and the Grenadines OPTIONAL COVER ADDED Excess Waiver £7,141.61 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 25/08/2025 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 13/10/19 TRAVEL INSURANCE COVID-19 LETTER: G.DVCHLJJMST_S.REVYZ This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: G.DVCHLJJMST_S.REVYZ Insured Persons: Mr Liam Cooke (14 March, 2019) Insured Address: Studio 97j Nicole ports Hallmouth , BT43 5QL , United Kingdom Policy V alid: 13/03/25 to 18 October, 2020 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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G.DVCHLJJMST_S.REVYZ
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(?<=YOUR POLICY NUMBER IS:\* \*)[-\w_\/\.]+?(?=\*)
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18 October, 2020
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(?<=to )[-\w_\/\. ,]+?(?= EXCESS)
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13/03/25
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(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)
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Travel
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(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)
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2024-02-02
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cover-4-you-travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *KGIWCQAT* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: KGIWCQAT. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER KGIWCQAT LEVEL OF COVER Silver DATE OF ISSUE 19/04/25 COVER PERIOD 09/02/2025 to Sat 06 April, 2019 EXCESS* £0 ADDRESS 96 Thomas mountain Lake Cliffordberg RG76 8PYYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Dr Damien Evans 2025-07-14 DESTINATIONS COVERED Montserrat OPTIONAL COVER ADDED Excess Waiver £3,287.30 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 06/02/21 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 19/04/25 TRAVEL INSURANCE COVID-19 LETTER: KGIWCQAT This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: KGIWCQAT Insured Persons: Dr Damien Evans (2025-07-14) Insured Address: 96 Thomas mountain Lake Cliffordberg , RG76 8PY , United Kingdom Policy V alid: 09/02/2025 to Sat 06 April, 2019 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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Sat 06 April, 2019
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09/02/2025
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Travel
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2024-02-02
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cover-4-you-travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *DCT4I8VAP5P4D* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: DCT4I8VAP5P4D. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER DCT4I8VAP5P4D LEVEL OF COVER Silver DATE OF ISSUE Thursday 18 July, 2019 COVER PERIOD Sat 26 October, 2024 to 01 December, 2024 EXCESS* £0 ADDRESS 1 Denis harbors Leonland G8S 8QSYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Natasha Hilton 07 November, 2019 DESTINATIONS COVERED Malawi OPTIONAL COVER ADDED Excess Waiver £8,580.92 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 08/06/2024 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 Thursday 18 July, 2019 TRAVEL INSURANCE COVID-19 LETTER: DCT4I8VAP5P4D This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: DCT4I8VAP5P4D Insured Persons: Natasha Hilton (07 November, 2019) Insured Address: 1 Denis harbors Leonland , G8S 8QS , United Kingdom Policy V alid: Sat 26 October, 2024 to 01 December, 2024 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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DCT4I8VAP5P4D
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01 December, 2024
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Sat 26 October, 2024
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Travel
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2024-02-02
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cover-4-you-travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *loc_zj.dzendjcr-fszs* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: loc_zj.dzendjcr-fszs. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER loc_zj.dzendjcr-fszs LEVEL OF COVER Silver DATE OF ISSUE 16 April, 2020 COVER PERIOD 13/10/2021 to Sun 31 October, 2021 EXCESS* £0 ADDRESS Studio 6 Matthews gateway Port Shannon B9F 7XBYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Rosemary Baxter 26/08/24 DESTINATIONS COVERED Ukraine OPTIONAL COVER ADDED Excess Waiver £5,635.70 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 23/10/19 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 16 April, 2020 TRAVEL INSURANCE COVID-19 LETTER: loc_zj.dzendjcr-fszs This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: loc_zj.dzendjcr-fszs Insured Persons: Rosemary Baxter (26/08/24) Insured Address: Studio 6 Matthews gateway Port Shannon , B9F 7XB , United Kingdom Policy V alid: 13/10/2021 to Sun 31 October, 2021 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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Sun 31 October, 2021
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13/10/2021
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Travel
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(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)
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2024-02-02
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cover-4-you-travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *OS7ZSYF46GNUZ/9-/BVDA* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: OS7ZSYF46GNUZ/9-/BVDA. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER OS7ZSYF46GNUZ/9-/BVDA LEVEL OF COVER Silver DATE OF ISSUE 08/10/2023 COVER PERIOD 18/10/2024 to Thu 30 January, 2020 EXCESS* £0 ADDRESS Studio 3 Chandler coves Saundersbury M86 0HXYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Jenna Hill-Osborne 2025-04-06 DESTINATIONS COVERED Jamaica OPTIONAL COVER ADDED Excess Waiver £8,460.06 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 09/06/2024 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 08/10/2023 TRAVEL INSURANCE COVID-19 LETTER: OS7ZSYF46GNUZ/9-/BVDA This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: OS7ZSYF46GNUZ/9-/BVDA Insured Persons: Jenna Hill-Osborne (2025-04-06) Insured Address: Studio 3 Chandler coves Saundersbury , M86 0HX , United Kingdom Policy V alid: 18/10/2024 to Thu 30 January, 2020 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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OS7ZSYF46GNUZ/9-/BVDA
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(?<=YOUR POLICY NUMBER IS:\* \*)[-\w_\/\.]+?(?=\*)
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Thu 30 January, 2020
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(?<=to )[-\w_\/\. ,]+?(?= EXCESS)
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18/10/2024
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(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)
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Travel
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(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)
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2024-02-02
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cover-4-you-travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *jnlanr/b.x* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: jnlanr/b.x. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER jnlanr/b.x LEVEL OF COVER Silver DATE OF ISSUE Thu 27 February, 2025 COVER PERIOD 18/09/19 to 12/10/25 EXCESS* £0 ADDRESS 872 Barlow locks East Douglasshire G0 5YQYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Jacob Bolton-Bibi Mon 14 October, 2024 DESTINATIONS COVERED India OPTIONAL COVER ADDED Excess Waiver £9,873.81 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 15/06/19 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 Thu 27 February, 2025 TRAVEL INSURANCE COVID-19 LETTER: jnlanr/b.x This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: jnlanr/b.x Insured Persons: Jacob Bolton-Bibi (Mon 14 October, 2024) Insured Address: 872 Barlow locks East Douglasshire , G0 5YQ , United Kingdom Policy V alid: 18/09/19 to 12/10/25 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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jnlanr/b.x
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(?<=YOUR POLICY NUMBER IS:\* \*)[-\w_\/\.]+?(?=\*)
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12/10/25
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(?<=to )[-\w_\/\. ,]+?(?= EXCESS)
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18/09/19
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(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)
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Travel
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(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)
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2024-02-02
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cover-4-you-travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *ihepbzrvvxlldksdlpn* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: ihepbzrvvxlldksdlpn. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER ihepbzrvvxlldksdlpn LEVEL OF COVER Silver DATE OF ISSUE Friday 01 October, 2021 COVER PERIOD 29 April, 2024 to 03 October, 2022 EXCESS* £0 ADDRESS 96 Foster ranch Nataliemouth LE0V 7YXYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Emily Doherty 15/06/25 DESTINATIONS COVERED Estonia OPTIONAL COVER ADDED Excess Waiver £3,574.48 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 2020-07-15 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 Friday 01 October, 2021 TRAVEL INSURANCE COVID-19 LETTER: ihepbzrvvxlldksdlpn This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: ihepbzrvvxlldksdlpn Insured Persons: Emily Doherty (15/06/25) Insured Address: 96 Foster ranch Nataliemouth , LE0V 7YX , United Kingdom Policy V alid: 29 April, 2024 to 03 October, 2022 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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ihepbzrvvxlldksdlpn
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(?<=YOUR POLICY NUMBER IS:\* \*)[-\w_\/\.]+?(?=\*)
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03 October, 2022
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(?<=to )[-\w_\/\. ,]+?(?= EXCESS)
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29 April, 2024
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(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)
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Travel
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(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)
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2024-02-02
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cover-4-you-travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *XUJAYHDHN/KY* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: XUJAYHDHN/KY. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER XUJAYHDHN/KY LEVEL OF COVER Silver DATE OF ISSUE 28/02/2023 COVER PERIOD Thu 01 August, 2024 to 09 April, 2022 EXCESS* £0 ADDRESS 7 Jennings spurs East Elizabeth E87 6TFYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Christian Cook 06 February, 2019 DESTINATIONS COVERED Burkina Faso OPTIONAL COVER ADDED Excess Waiver £1,145.30 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD Mon 06 January, 2020 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 28/02/2023 TRAVEL INSURANCE COVID-19 LETTER: XUJAYHDHN/KY This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: XUJAYHDHN/KY Insured Persons: Christian Cook (06 February, 2019) Insured Address: 7 Jennings spurs East Elizabeth , E87 6TF , United Kingdom Policy V alid: Thu 01 August, 2024 to 09 April, 2022 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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XUJAYHDHN/KY
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09 April, 2022
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Thu 01 August, 2024
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Travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *o.qoivmflgkx/pt* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: o.qoivmflgkx/pt. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER o.qoivmflgkx/pt LEVEL OF COVER Silver DATE OF ISSUE 17/11/19 COVER PERIOD 13/04/19 to Thursday 22 May, 2025 EXCESS* £0 ADDRESS 23 Chapman parks South Diana E0U 1ESYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Terence McCarthy 20/03/21 DESTINATIONS COVERED Monaco OPTIONAL COVER ADDED Excess Waiver £7,557.17 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 2020-09-20 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 17/11/19 TRAVEL INSURANCE COVID-19 LETTER: o.qoivmflgkx/pt This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: o.qoivmflgkx/pt Insured Persons: Terence McCarthy (20/03/21) Insured Address: 23 Chapman parks South Diana , E0U 1ES , United Kingdom Policy V alid: 13/04/19 to Thursday 22 May, 2025 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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Thursday 22 May, 2025
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13/04/19
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Travel
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2024-02-02
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cover-4-you-travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *kldipc_lkvbd/gsifnn//* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: kldipc_lkvbd/gsifnn//. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER kldipc_lkvbd/gsifnn// LEVEL OF COVER Silver DATE OF ISSUE 20/02/25 COVER PERIOD 05/11/22 to 26 March, 2019 EXCESS* £0 ADDRESS Studio 90 Francis square Lake Vincentton NN61 9WUYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Miss Frances Evans Wednesday 13 October, 2021 DESTINATIONS COVERED Faroe Islands OPTIONAL COVER ADDED Excess Waiver £7,293.42 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 05/07/20 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 20/02/25 TRAVEL INSURANCE COVID-19 LETTER: kldipc_lkvbd/gsifnn// This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: kldipc_lkvbd/gsifnn// Insured Persons: Miss Frances Evans (Wednesday 13 October, 2021) Insured Address: Studio 90 Francis square Lake Vincentton , NN61 9WU , United Kingdom Policy V alid: 05/11/22 to 26 March, 2019 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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26 March, 2019
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05/11/22
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(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)
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Travel
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(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)
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2024-02-02
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cover-4-you-travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *y-qgwe_iafxjjrg* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: y-qgwe_iafxjjrg. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER y-qgwe_iafxjjrg LEVEL OF COVER Silver DATE OF ISSUE 27/07/2022 COVER PERIOD 2020-09-27 to Sat 18 November, 2023 EXCESS* £0 ADDRESS 5 Alison cape Matthewmouth G6 9USYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Stephen Kemp 29 April, 2021 DESTINATIONS COVERED Czech Republic OPTIONAL COVER ADDED Excess Waiver £2,340.04 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD Friday 08 May, 2020 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 27/07/2022 TRAVEL INSURANCE COVID-19 LETTER: y-qgwe_iafxjjrg This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: y-qgwe_iafxjjrg Insured Persons: Stephen Kemp (29 April, 2021) Insured Address: 5 Alison cape Matthewmouth , G6 9US , United Kingdom Policy V alid: 2020-09-27 to Sat 18 November, 2023 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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y-qgwe_iafxjjrg
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(?<=YOUR POLICY NUMBER IS:\* \*)[-\w_\/\.]+?(?=\*)
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Sat 18 November, 2023
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(?<=to )[-\w_\/\. ,]+?(?= EXCESS)
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2020-09-27
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(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)
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Travel
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(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)
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2024-02-02
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cover-4-you-travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *6IF/8EW1XVALSEG* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: 6IF/8EW1XVALSEG. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER 6IF/8EW1XVALSEG LEVEL OF COVER Silver DATE OF ISSUE Saturday 19 April, 2025 COVER PERIOD 11 October, 2023 to 30 October, 2025 EXCESS* £0 ADDRESS 1 Perkins branch Trevorfurt E62 9RUYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Nathan Brown 03/11/2024 DESTINATIONS COVERED French Polynesia OPTIONAL COVER ADDED Excess Waiver £3,961.74 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 04/03/2024 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 Saturday 19 April, 2025 TRAVEL INSURANCE COVID-19 LETTER: 6IF/8EW1XVALSEG This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: 6IF/8EW1XVALSEG Insured Persons: Nathan Brown (03/11/2024) Insured Address: 1 Perkins branch Trevorfurt , E62 9RU , United Kingdom Policy V alid: 11 October, 2023 to 30 October, 2025 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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6IF/8EW1XVALSEG
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30 October, 2025
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(?<=to )[-\w_\/\. ,]+?(?= EXCESS)
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11 October, 2023
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(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)
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Travel
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(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)
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2024-02-02
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cover-4-you-travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *g/eujkhn_ynijnm* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: g/eujkhn_ynijnm. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER g/eujkhn_ynijnm LEVEL OF COVER Silver DATE OF ISSUE 2020-09-27 COVER PERIOD Mon 27 January, 2020 to 14 October, 2019 EXCESS* £0 ADDRESS 36 Elaine flat Dayland L30 5XSYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Roy Johnson-Davies 15/10/2023 DESTINATIONS COVERED Pitcairn Islands OPTIONAL COVER ADDED Excess Waiver £8,408.19 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 12 June, 2019 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 2020-09-27 TRAVEL INSURANCE COVID-19 LETTER: g/eujkhn_ynijnm This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: g/eujkhn_ynijnm Insured Persons: Roy Johnson-Davies (15/10/2023) Insured Address: 36 Elaine flat Dayland , L30 5XS , United Kingdom Policy V alid: Mon 27 January, 2020 to 14 October, 2019 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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g/eujkhn_ynijnm
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(?<=YOUR POLICY NUMBER IS:\* \*)[-\w_\/\.]+?(?=\*)
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14 October, 2019
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(?<=to )[-\w_\/\. ,]+?(?= EXCESS)
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Mon 27 January, 2020
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(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)
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Travel
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(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)
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2024-02-02
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cover-4-you-travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *3S0X747HWRF* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: 3S0X747HWRF. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER 3S0X747HWRF LEVEL OF COVER Silver DATE OF ISSUE 2020-04-08 COVER PERIOD 2020-08-26 to Saturday 26 August, 2023 EXCESS* £0 ADDRESS Studio 0 Yvonne estate East Joyce SE2 6FGYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Stephanie Morris Saturday 19 October, 2024 DESTINATIONS COVERED Tonga OPTIONAL COVER ADDED Excess Waiver £6,114.83 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD Saturday 16 April, 2022 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 2020-04-08 TRAVEL INSURANCE COVID-19 LETTER: 3S0X747HWRF This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: 3S0X747HWRF Insured Persons: Stephanie Morris (Saturday 19 October, 2024) Insured Address: Studio 0 Yvonne estate East Joyce , SE2 6FG , United Kingdom Policy V alid: 2020-08-26 to Saturday 26 August, 2023 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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Saturday 26 August, 2023
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2020-08-26
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Travel
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2024-02-02
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *26TZ4G4MQK4RFV* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: 26TZ4G4MQK4RFV. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER 26TZ4G4MQK4RFV LEVEL OF COVER Silver DATE OF ISSUE Thu 01 August, 2019 COVER PERIOD Sunday 21 July, 2024 to 24/11/2019 EXCESS* £0 ADDRESS Studio 53 Clifford mountain New Dylanshire S8 6YFYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Nicholas Riley 29 June, 2023 DESTINATIONS COVERED Macao OPTIONAL COVER ADDED Excess Waiver £1,154.89 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 14/11/25 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 Thu 01 August, 2019 TRAVEL INSURANCE COVID-19 LETTER: 26TZ4G4MQK4RFV This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: 26TZ4G4MQK4RFV Insured Persons: Nicholas Riley (29 June, 2023) Insured Address: Studio 53 Clifford mountain New Dylanshire , S8 6YF , United Kingdom Policy V alid: Sunday 21 July, 2024 to 24/11/2019 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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26TZ4G4MQK4RFV
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24/11/2019
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Sunday 21 July, 2024
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(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)
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Travel
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2024-02-02
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cover-4-you-travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *NI-OXOQDSMCICTBBVDLRUE* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: NI-OXOQDSMCICTBBVDLRUE. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER NI-OXOQDSMCICTBBVDLRUE LEVEL OF COVER Silver DATE OF ISSUE 2021-01-26 COVER PERIOD 09/09/24 to Wednesday 29 July, 2020 EXCESS* £0 ADDRESS Flat 9 Jasmine lakes New Georgina B3E 8YEYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Dennis Cook 02/11/22 DESTINATIONS COVERED Reunion OPTIONAL COVER ADDED Excess Waiver £4,051.05 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 11 September, 2025 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 2021-01-26 TRAVEL INSURANCE COVID-19 LETTER: NI-OXOQDSMCICTBBVDLRUE This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: NI-OXOQDSMCICTBBVDLRUE Insured Persons: Dennis Cook (02/11/22) Insured Address: Flat 9 Jasmine lakes New Georgina , B3E 8YE , United Kingdom Policy V alid: 09/09/24 to Wednesday 29 July, 2020 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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NI-OXOQDSMCICTBBVDLRUE
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Wednesday 29 July, 2020
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09/09/24
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Travel
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(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)
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2024-02-02
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cover-4-you-travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *I0-9_KJ6DK.1/N.TF* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: I0-9_KJ6DK.1/N.TF. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER I0-9_KJ6DK.1/N.TF LEVEL OF COVER Silver DATE OF ISSUE 2020-09-11 COVER PERIOD 25 May, 2022 to 04 August, 2021 EXCESS* £0 ADDRESS Flat 77U Alexandra junction Baileyshire SY6 7SWYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Jeremy Smith Wed 18 March, 2020 DESTINATIONS COVERED Tonga OPTIONAL COVER ADDED Excess Waiver £243.15 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 2025-09-30 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 2020-09-11 TRAVEL INSURANCE COVID-19 LETTER: I0-9_KJ6DK.1/N.TF This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: I0-9_KJ6DK.1/N.TF Insured Persons: Jeremy Smith (Wed 18 March, 2020) Insured Address: Flat 77U Alexandra junction Baileyshire , SY6 7SW , United Kingdom Policy V alid: 25 May, 2022 to 04 August, 2021 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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I0-9_KJ6DK.1/N.TF
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(?<=YOUR POLICY NUMBER IS:\* \*)[-\w_\/\.]+?(?=\*)
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04 August, 2021
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(?<=to )[-\w_\/\. ,]+?(?= EXCESS)
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25 May, 2022
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(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)
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Travel
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(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)
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2024-02-02
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cover-4-you-travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *F22RFHDDHH391* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: F22RFHDDHH391. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER F22RFHDDHH391 LEVEL OF COVER Silver DATE OF ISSUE Fri 12 February, 2021 COVER PERIOD Sunday 16 May, 2021 to 26/10/2020 EXCESS* £0 ADDRESS 0 Kenneth prairie Port Dorothyville L7 5LGYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Sean Patel-Martin 30/12/2023 DESTINATIONS COVERED Uzbekistan OPTIONAL COVER ADDED Excess Waiver £1,132.46 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 2023-07-24 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 Fri 12 February, 2021 TRAVEL INSURANCE COVID-19 LETTER: F22RFHDDHH391 This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: F22RFHDDHH391 Insured Persons: Sean Patel-Martin (30/12/2023) Insured Address: 0 Kenneth prairie Port Dorothyville , L7 5LG , United Kingdom Policy V alid: Sunday 16 May, 2021 to 26/10/2020 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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F22RFHDDHH391
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(?<=YOUR POLICY NUMBER IS:\* \*)[-\w_\/\.]+?(?=\*)
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26/10/2020
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(?<=to )[-\w_\/\. ,]+?(?= EXCESS)
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Sunday 16 May, 2021
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(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)
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Travel
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(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)
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2024-02-02
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cover-4-you-travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *SDNMN_/RKCKZZSQNZFXFL* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: SDNMN_/RKCKZZSQNZFXFL. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER SDNMN_/RKCKZZSQNZFXFL LEVEL OF COVER Silver DATE OF ISSUE 12/01/2022 COVER PERIOD 2019-11-09 to 2022-10-30 EXCESS* £0 ADDRESS Studio 41K Stevenson field Lake Lucy L93 8ALYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.John Miller-Kay 15/05/2021 DESTINATIONS COVERED Zimbabwe OPTIONAL COVER ADDED Excess Waiver £9,564.55 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD Tue 05 March, 2024 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 12/01/2022 TRAVEL INSURANCE COVID-19 LETTER: SDNMN_/RKCKZZSQNZFXFL This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: SDNMN_/RKCKZZSQNZFXFL Insured Persons: John Miller-Kay (15/05/2021) Insured Address: Studio 41K Stevenson field Lake Lucy , L93 8AL , United Kingdom Policy V alid: 2019-11-09 to 2022-10-30 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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2022-10-30
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2019-11-09
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Travel
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2024-02-02
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cover-4-you-travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *rem-in-ab* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: rem-in-ab. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER rem-in-ab LEVEL OF COVER Silver DATE OF ISSUE 10/04/25 COVER PERIOD 22/01/2021 to Sunday 14 September, 2025 EXCESS* £0 ADDRESS 5 Quinn cape Carrollbury IP9 8BGYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.John Reid 27 May, 2023 DESTINATIONS COVERED Gibraltar OPTIONAL COVER ADDED Excess Waiver £1,045.27 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 25/01/23 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 10/04/25 TRAVEL INSURANCE COVID-19 LETTER: rem-in-ab This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: rem-in-ab Insured Persons: John Reid (27 May, 2023) Insured Address: 5 Quinn cape Carrollbury , IP9 8BG , United Kingdom Policy V alid: 22/01/2021 to Sunday 14 September, 2025 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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Sunday 14 September, 2025
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Travel
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2024-02-02
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *9LKPW4F56I9P.ORTDG-5D3B* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: 9LKPW4F56I9P.ORTDG-5D3B. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER 9LKPW4F56I9P.ORTDG-5D3B LEVEL OF COVER Silver DATE OF ISSUE 21/03/24 COVER PERIOD 16 May, 2019 to 04/03/2022 EXCESS* £0 ADDRESS 78 Reeves prairie East Janet M5 1DNYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Dr Liam Hart 13 October, 2023 DESTINATIONS COVERED Eritrea OPTIONAL COVER ADDED Excess Waiver £2,992.27 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 10/03/24 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 21/03/24 TRAVEL INSURANCE COVID-19 LETTER: 9LKPW4F56I9P.ORTDG-5D3B This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: 9LKPW4F56I9P.ORTDG-5D3B Insured Persons: Dr Liam Hart (13 October, 2023) Insured Address: 78 Reeves prairie East Janet , M5 1DN , United Kingdom Policy V alid: 16 May, 2019 to 04/03/2022 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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9LKPW4F56I9P.ORTDG-5D3B
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(?<=YOUR POLICY NUMBER IS:\* \*)[-\w_\/\.]+?(?=\*)
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04/03/2022
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16 May, 2019
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(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)
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Travel
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(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)
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2024-02-02
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cover-4-you-travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *Z8KVAV_9BMTPYWD8E5DI79* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: Z8KVAV_9BMTPYWD8E5DI79. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER Z8KVAV_9BMTPYWD8E5DI79 LEVEL OF COVER Silver DATE OF ISSUE Monday 08 August, 2022 COVER PERIOD 2023-10-27 to Sun 04 April, 2021 EXCESS* £0 ADDRESS 492 Clare canyon Campbellshire L96 9TLYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Dr David Holmes Sun 19 March, 2023 DESTINATIONS COVERED Vanuatu OPTIONAL COVER ADDED Excess Waiver £4,386.86 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD Sun 21 September, 2025 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 Monday 08 August, 2022 TRAVEL INSURANCE COVID-19 LETTER: Z8KVAV_9BMTPYWD8E5DI79 This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: Z8KVAV_9BMTPYWD8E5DI79 Insured Persons: Dr David Holmes (Sun 19 March, 2023) Insured Address: 492 Clare canyon Campbellshire , L96 9TL , United Kingdom Policy V alid: 2023-10-27 to Sun 04 April, 2021 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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Z8KVAV_9BMTPYWD8E5DI79
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(?<=YOUR POLICY NUMBER IS:\* \*)[-\w_\/\.]+?(?=\*)
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Sun 04 April, 2021
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(?<=to )[-\w_\/\. ,]+?(?= EXCESS)
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2023-10-27
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(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)
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Travel
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(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)
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2024-02-02
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cover-4-you-travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *1MH87POU4J* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: 1MH87POU4J. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER 1MH87POU4J LEVEL OF COVER Silver DATE OF ISSUE 20/12/2021 COVER PERIOD 01/06/2023 to 18/06/20 EXCESS* £0 ADDRESS Studio 98L Samantha fork Carlland G70 4PSYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Mr Allan Williams 2024-02-08 DESTINATIONS COVERED Myanmar OPTIONAL COVER ADDED Excess Waiver £5,001.62 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 22/06/2020 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 20/12/2021 TRAVEL INSURANCE COVID-19 LETTER: 1MH87POU4J This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: 1MH87POU4J Insured Persons: Mr Allan Williams (2024-02-08) Insured Address: Studio 98L Samantha fork Carlland , G70 4PS , United Kingdom Policy V alid: 01/06/2023 to 18/06/20 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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1MH87POU4J
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(?<=YOUR POLICY NUMBER IS:\* \*)[-\w_\/\.]+?(?=\*)
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18/06/20
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(?<=to )[-\w_\/\. ,]+?(?= EXCESS)
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01/06/2023
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(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)
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Travel
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(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)
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2024-02-02
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cover-4-you-travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *UQLHGTS5_JBYO* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: UQLHGTS5_JBYO. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER UQLHGTS5_JBYO LEVEL OF COVER Silver DATE OF ISSUE 2019-10-01 COVER PERIOD 2023-08-09 to 03/10/24 EXCESS* £0 ADDRESS Flat 98i Woodward track Walkerstad L5 6HHYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Mr Gavin Bolton Monday 07 October, 2024 DESTINATIONS COVERED Haiti OPTIONAL COVER ADDED Excess Waiver £2,711.25 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 21/02/20 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 2019-10-01 TRAVEL INSURANCE COVID-19 LETTER: UQLHGTS5_JBYO This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: UQLHGTS5_JBYO Insured Persons: Mr Gavin Bolton (Monday 07 October, 2024) Insured Address: Flat 98i Woodward track Walkerstad , L5 6HH , United Kingdom Policy V alid: 2023-08-09 to 03/10/24 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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UQLHGTS5_JBYO
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(?<=YOUR POLICY NUMBER IS:\* \*)[-\w_\/\.]+?(?=\*)
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03/10/24
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(?<=to )[-\w_\/\. ,]+?(?= EXCESS)
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2023-08-09
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(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)
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Travel
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(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)
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2024-02-02
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cover-4-you-travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *d_j-rtrcof* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: d_j-rtrcof. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER d_j-rtrcof LEVEL OF COVER Silver DATE OF ISSUE 16/07/2021 COVER PERIOD 14 June, 2021 to 08/01/2024 EXCESS* £0 ADDRESS Flat 84 Humphries junction New Julieberg SA8M 5JRYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Dr Judith Jones Wednesday 07 December, 2022 DESTINATIONS COVERED Malaysia OPTIONAL COVER ADDED Excess Waiver £8,411.04 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD Wed 17 April, 2024 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 16/07/2021 TRAVEL INSURANCE COVID-19 LETTER: d_j-rtrcof This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: d_j-rtrcof Insured Persons: Dr Judith Jones (Wednesday 07 December, 2022) Insured Address: Flat 84 Humphries junction New Julieberg , SA8M 5JR , United Kingdom Policy V alid: 14 June, 2021 to 08/01/2024 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *XEXN40-DA/D.6VG0I1* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: XEXN40-DA/D.6VG0I1. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER XEXN40-DA/D.6VG0I1 LEVEL OF COVER Silver DATE OF ISSUE Tuesday 08 July, 2025 COVER PERIOD 29 April, 2021 to 09/09/20 EXCESS* £0 ADDRESS 1 Allen keys Campbellhaven W82 0ZFYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Philip Richards 27/01/23 DESTINATIONS COVERED Solomon Islands OPTIONAL COVER ADDED Excess Waiver £6,744.50 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 2022-02-19 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 Tuesday 08 July, 2025 TRAVEL INSURANCE COVID-19 LETTER: XEXN40-DA/D.6VG0I1 This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: XEXN40-DA/D.6VG0I1 Insured Persons: Philip Richards (27/01/23) Insured Address: 1 Allen keys Campbellhaven , W82 0ZF , United Kingdom Policy V alid: 29 April, 2021 to 09/09/20 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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XEXN40-DA/D.6VG0I1
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09/09/20
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29 April, 2021
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Travel
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(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)
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2024-02-02
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cover-4-you-travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *6I5SXDE/HK5K3/R13L* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: 6I5SXDE/HK5K3/R13L. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER 6I5SXDE/HK5K3/R13L LEVEL OF COVER Silver DATE OF ISSUE 01/01/2025 COVER PERIOD 08/06/24 to Thursday 19 September, 2024 EXCESS* £0 ADDRESS 606 Bethan islands West Chelseamouth BN8 2ABYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Miss Cheryl Long 2025-08-14 DESTINATIONS COVERED Austria OPTIONAL COVER ADDED Excess Waiver £7,922.39 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD Monday 18 January, 2021 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 01/01/2025 TRAVEL INSURANCE COVID-19 LETTER: 6I5SXDE/HK5K3/R13L This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: 6I5SXDE/HK5K3/R13L Insured Persons: Miss Cheryl Long (2025-08-14) Insured Address: 606 Bethan islands West Chelseamouth , BN8 2AB , United Kingdom Policy V alid: 08/06/24 to Thursday 19 September, 2024 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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6I5SXDE/HK5K3/R13L
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Thursday 19 September, 2024
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08/06/24
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(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)
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Travel
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2024-02-02
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cover-4-you-travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *HEL0YRE* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: HEL0YRE. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER HEL0YRE LEVEL OF COVER Silver DATE OF ISSUE 08/10/2021 COVER PERIOD 2021-06-08 to Thursday 04 April, 2024 EXCESS* £0 ADDRESS 625 Rita port Reeston GU5H 0YLYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Kyle Savage 18/12/2025 DESTINATIONS COVERED El Salvador OPTIONAL COVER ADDED Excess Waiver £3,113.38 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 2024-08-18 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 08/10/2021 TRAVEL INSURANCE COVID-19 LETTER: HEL0YRE This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: HEL0YRE Insured Persons: Kyle Savage (18/12/2025) Insured Address: 625 Rita port Reeston , GU5H 0YL , United Kingdom Policy V alid: 2021-06-08 to Thursday 04 April, 2024 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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HEL0YRE
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Thursday 04 April, 2024
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2021-06-08
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(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)
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Travel
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(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)
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2024-02-02
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cover-4-you-travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *ICK/107QF4N2* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: ICK/107QF4N2. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER ICK/107QF4N2 LEVEL OF COVER Silver DATE OF ISSUE 18 May, 2024 COVER PERIOD 24/11/24 to 04/09/22 EXCESS* £0 ADDRESS Studio 95U Charlie lodge Barryview S26 7HSYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Mr Timothy Taylor Tuesday 20 July, 2021 DESTINATIONS COVERED Ecuador OPTIONAL COVER ADDED Excess Waiver £6,055.79 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD Mon 12 June, 2023 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 18 May, 2024 TRAVEL INSURANCE COVID-19 LETTER: ICK/107QF4N2 This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: ICK/107QF4N2 Insured Persons: Mr Timothy Taylor (Tuesday 20 July, 2021) Insured Address: Studio 95U Charlie lodge Barryview , S26 7HS , United Kingdom Policy V alid: 24/11/24 to 04/09/22 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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04/09/22
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(?<=to )[-\w_\/\. ,]+?(?= EXCESS)
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24/11/24
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(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)
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Travel
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(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)
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2024-02-02
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cover-4-you-travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *59H/J370A7RX* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: 59H/J370A7RX. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER 59H/J370A7RX LEVEL OF COVER Silver DATE OF ISSUE 30 January, 2025 COVER PERIOD Sat 12 August, 2023 to 23/10/2024 EXCESS* £0 ADDRESS Studio 46y Haynes flat New Wayneborough LE4 4NRYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Janice Morris-Howard 2022-02-10 DESTINATIONS COVERED Angola OPTIONAL COVER ADDED Excess Waiver £3,954.96 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 2022-12-07 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 30 January, 2025 TRAVEL INSURANCE COVID-19 LETTER: 59H/J370A7RX This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: 59H/J370A7RX Insured Persons: Janice Morris-Howard (2022-02-10) Insured Address: Studio 46y Haynes flat New Wayneborough , LE4 4NR , United Kingdom Policy V alid: Sat 12 August, 2023 to 23/10/2024 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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59H/J370A7RX
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(?<=YOUR POLICY NUMBER IS:\* \*)[-\w_\/\.]+?(?=\*)
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23/10/2024
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(?<=to )[-\w_\/\. ,]+?(?= EXCESS)
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Sat 12 August, 2023
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(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)
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Travel
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(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)
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2024-02-02
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cover-4-you-travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *lsnfgaxauesjwrhfh_uw/c* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: lsnfgaxauesjwrhfh_uw/c. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER lsnfgaxauesjwrhfh_uw/c LEVEL OF COVER Silver DATE OF ISSUE 2019-07-31 COVER PERIOD 2023-02-22 to Fri 30 October, 2020 EXCESS* £0 ADDRESS 5 Gerald heights Roseview NE5 2GYYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Mr Charlie Bates Monday 17 May, 2021 DESTINATIONS COVERED Turkey OPTIONAL COVER ADDED Excess Waiver £937.67 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 12 November, 2022 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 2019-07-31 TRAVEL INSURANCE COVID-19 LETTER: lsnfgaxauesjwrhfh_uw/c This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: lsnfgaxauesjwrhfh_uw/c Insured Persons: Mr Charlie Bates (Monday 17 May, 2021) Insured Address: 5 Gerald heights Roseview , NE5 2GY , United Kingdom Policy V alid: 2023-02-22 to Fri 30 October, 2020 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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Fri 30 October, 2020
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2023-02-22
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Travel
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2024-02-02
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cover-4-you-travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *eiw_ry/ncztchzdjsugsf* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: eiw_ry/ncztchzdjsugsf. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER eiw_ry/ncztchzdjsugsf LEVEL OF COVER Silver DATE OF ISSUE 15 March, 2024 COVER PERIOD Wed 22 November, 2023 to 12/04/2020 EXCESS* £0 ADDRESS Flat 42e Chapman viaduct Benville PL46 0HJYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Justin Nelson Thu 02 May, 2019 DESTINATIONS COVERED Oman OPTIONAL COVER ADDED Excess Waiver £2.16 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 02/07/2025 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 15 March, 2024 TRAVEL INSURANCE COVID-19 LETTER: eiw_ry/ncztchzdjsugsf This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: eiw_ry/ncztchzdjsugsf Insured Persons: Justin Nelson (Thu 02 May, 2019) Insured Address: Flat 42e Chapman viaduct Benville , PL46 0HJ , United Kingdom Policy V alid: Wed 22 November, 2023 to 12/04/2020 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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12/04/2020
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Wed 22 November, 2023
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Travel
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2024-02-02
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cover-4-you-travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *mozlyrxxkyldd-phbsp* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: mozlyrxxkyldd-phbsp. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER mozlyrxxkyldd-phbsp LEVEL OF COVER Silver DATE OF ISSUE Wednesday 05 February, 2020 COVER PERIOD Wed 08 January, 2025 to 2023-01-07 EXCESS* £0 ADDRESS Studio 95 Roy freeway West Paigefurt S76 4UDYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Kieran Butler 04/12/2020 DESTINATIONS COVERED Swaziland OPTIONAL COVER ADDED Excess Waiver £9,304.45 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 08/07/25 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 Wednesday 05 February, 2020 TRAVEL INSURANCE COVID-19 LETTER: mozlyrxxkyldd-phbsp This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: mozlyrxxkyldd-phbsp Insured Persons: Kieran Butler (04/12/2020) Insured Address: Studio 95 Roy freeway West Paigefurt , S76 4UD , United Kingdom Policy V alid: Wed 08 January, 2025 to 2023-01-07 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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2023-01-07
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Wed 08 January, 2025
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Travel
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(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)
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2024-02-02
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cover-4-you-travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *V5/0DN././Q17ZXAKKOU_F18O* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: V5/0DN././Q17ZXAKKOU_F18O. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER V5/0DN././Q17ZXAKKOU_F18O LEVEL OF COVER Silver DATE OF ISSUE 07/09/25 COVER PERIOD Thu 30 May, 2024 to 2025-12-12 EXCESS* £0 ADDRESS 61 Field drives Schofieldborough SN8H 3DHYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Reece Evans Thu 26 January, 2023 DESTINATIONS COVERED Mauritania OPTIONAL COVER ADDED Excess Waiver £86.93 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 2024-06-29 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 07/09/25 TRAVEL INSURANCE COVID-19 LETTER: V5/0DN././Q17ZXAKKOU_F18O This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: V5/0DN././Q17ZXAKKOU_F18O Insured Persons: Reece Evans (Thu 26 January, 2023) Insured Address: 61 Field drives Schofieldborough , SN8H 3DH , United Kingdom Policy V alid: Thu 30 May, 2024 to 2025-12-12 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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(?<=YOUR POLICY NUMBER IS:\* \*)[-\w_\/\.]+?(?=\*)
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2025-12-12
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(?<=to )[-\w_\/\. ,]+?(?= EXCESS)
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Thu 30 May, 2024
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(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)
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Travel
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(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)
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2024-02-02
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cover-4-you-travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *fiwiysljs-ufwmbfzish-* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: fiwiysljs-ufwmbfzish-. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER fiwiysljs-ufwmbfzish- LEVEL OF COVER Silver DATE OF ISSUE Fri 28 April, 2023 COVER PERIOD 04 November, 2024 to 17/03/2023 EXCESS* £0 ADDRESS Flat 29U Stevens place North Michellemouth BN70 8FJYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Joanna Wood 28/03/24 DESTINATIONS COVERED Nigeria OPTIONAL COVER ADDED Excess Waiver £3,571.96 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 2024-09-01 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 Fri 28 April, 2023 TRAVEL INSURANCE COVID-19 LETTER: fiwiysljs-ufwmbfzish- This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: fiwiysljs-ufwmbfzish- Insured Persons: Joanna Wood (28/03/24) Insured Address: Flat 29U Stevens place North Michellemouth , BN70 8FJ , United Kingdom Policy V alid: 04 November, 2024 to 17/03/2023 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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17/03/2023
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04 November, 2024
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(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)
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Travel
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(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)
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2024-02-02
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *gm_ahkvedbcomqvpu* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: gm_ahkvedbcomqvpu. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER gm_ahkvedbcomqvpu LEVEL OF COVER Silver DATE OF ISSUE 20 July, 2024 COVER PERIOD Saturday 20 May, 2023 to 16 January, 2025 EXCESS* £0 ADDRESS 0 Kieran vista Popestad M7 3FFYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Dylan Richards 26/11/2024 DESTINATIONS COVERED Afghanistan OPTIONAL COVER ADDED Excess Waiver £2,660.07 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 30/07/2023 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 20 July, 2024 TRAVEL INSURANCE COVID-19 LETTER: gm_ahkvedbcomqvpu This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: gm_ahkvedbcomqvpu Insured Persons: Dylan Richards (26/11/2024) Insured Address: 0 Kieran vista Popestad , M7 3FF , United Kingdom Policy V alid: Saturday 20 May, 2023 to 16 January, 2025 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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16 January, 2025
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Saturday 20 May, 2023
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Travel
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2024-02-02
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cover-4-you-travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *HBOKL.MRJHSILHAL* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: HBOKL.MRJHSILHAL. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER HBOKL.MRJHSILHAL LEVEL OF COVER Silver DATE OF ISSUE 2020-03-01 COVER PERIOD Fri 29 January, 2021 to 15/12/21 EXCESS* £0 ADDRESS Studio 9 Justin cape Craigshire G9C 8HLYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Dr Bradley Clark Sunday 07 May, 2023 DESTINATIONS COVERED Turkey OPTIONAL COVER ADDED Excess Waiver £4,015.60 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD Sunday 08 October, 2023 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 2020-03-01 TRAVEL INSURANCE COVID-19 LETTER: HBOKL.MRJHSILHAL This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: HBOKL.MRJHSILHAL Insured Persons: Dr Bradley Clark (Sunday 07 May, 2023) Insured Address: Studio 9 Justin cape Craigshire , G9C 8HL , United Kingdom Policy V alid: Fri 29 January, 2021 to 15/12/21 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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HBOKL.MRJHSILHAL
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15/12/21
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Fri 29 January, 2021
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Travel
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2024-02-02
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cover-4-you-travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *JN-T9_9SB/UV* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: JN-T9_9SB/UV. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER JN-T9_9SB/UV LEVEL OF COVER Silver DATE OF ISSUE 17/09/2023 COVER PERIOD 2023-02-28 to Sat 18 September, 2021 EXCESS* £0 ADDRESS Studio 38 Sylvia mill West Jodie S3E 7WSYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Jemma Patterson-Clarke 30/11/2023 DESTINATIONS COVERED Uganda OPTIONAL COVER ADDED Excess Waiver £5,916.54 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD Tuesday 12 February, 2019 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 17/09/2023 TRAVEL INSURANCE COVID-19 LETTER: JN-T9_9SB/UV This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: JN-T9_9SB/UV Insured Persons: Jemma Patterson-Clarke (30/11/2023) Insured Address: Studio 38 Sylvia mill West Jodie , S3E 7WS , United Kingdom Policy V alid: 2023-02-28 to Sat 18 September, 2021 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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JN-T9_9SB/UV
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Sat 18 September, 2021
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2023-02-28
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Travel
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(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)
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2024-02-02
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cover-4-you-travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *ODW/A5HT/DKB* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: ODW/A5HT/DKB. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER ODW/A5HT/DKB LEVEL OF COVER Silver DATE OF ISSUE 08/09/2019 COVER PERIOD 25/10/20 to 20/10/24 EXCESS* £0 ADDRESS Studio 8 Evans roads South Neilland N03 4HQYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Claire Lane 03 February, 2023 DESTINATIONS COVERED Mozambique OPTIONAL COVER ADDED Excess Waiver £92.36 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 03/05/19 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 08/09/2019 TRAVEL INSURANCE COVID-19 LETTER: ODW/A5HT/DKB This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: ODW/A5HT/DKB Insured Persons: Claire Lane (03 February, 2023) Insured Address: Studio 8 Evans roads South Neilland , N03 4HQ , United Kingdom Policy V alid: 25/10/20 to 20/10/24 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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20/10/24
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25/10/20
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Travel
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(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)
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2024-02-02
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cover-4-you-travel
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Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents *YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU* Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . *YOUR POLICY NUMBER IS:* *NNBK_VKUSJ* . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on *0203 137 8981*, or alternatively e-mail us at *directsales@coverforyou.co.uk* quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . *Coronavirus* Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING *TRAVEL MATE* CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. *Benefits with your CoverForYou policy* . *Important Information* Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. *Did you know?* The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, *The CoverForYou Support Team* This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: NNBK_VKUSJ. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER NNBK_VKUSJ LEVEL OF COVER Silver DATE OF ISSUE Wed 16 April, 2025 COVER PERIOD 15/06/2020 to 17/06/2020 EXCESS* £0 ADDRESS 9 Hunt course North Hazel SM6B 4WXYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Shane Austin 09/05/2021 DESTINATIONS COVERED Kenya OPTIONAL COVER ADDED Excess Waiver £9,806.57 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. *The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 16 November, 2025 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa 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. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü *Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. 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 ofa 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. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? 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. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 Wed 16 April, 2025 TRAVEL INSURANCE COVID-19 LETTER: NNBK_VKUSJ This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: NNBK_VKUSJ Insured Persons: Shane Austin (09/05/2021) Insured Address: 9 Hunt course North Hazel , SM6B 4WX , United Kingdom Policy V alid: 15/06/2020 to 17/06/2020 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea
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17/06/2020
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(?<=to )[-\w_\/\. ,]+?(?= EXCESS)
|
15/06/2020
|
(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)
|
Travel
|
(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)
|
2024-02-02
|
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